FlexGuard NY
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Highlights
FlexGuard - NY indexed variable annuity (a flexible premium deferred index-linked and variable annuity) offers you a choice of levels of downside protection and the opportunity to capitalize on market growth. It also offers the opportunity to select from various index crediting strategies and variable subaccounts that determine how your money may grow, as well as how long you want to invest.
Available in states:
NY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
7%7%6%5%4%3% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, Profit Sharing, IRA, Pension, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, 457 plan, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Find out if the FlexGuard NY is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 6-Year S&P 500 Tiered Participation Rate (10% tier) with 10% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 6-Year MSCI EAFE Tiered Participation Rate (20% tier) with 10% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 6-Year S&P 500 PTP Cap 20% Buffer Uncapped |
Point to Point
6-Year
|
|
| 3-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Triennial
|
120%
Cap
|
| 3-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Triennial
|
150%
Cap
|
| 1-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Annual
|
12.75%
Cap
|
| 1-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 6-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
6-Year
|
300%
Cap
|
| 3-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
Triennial
|
90%
Cap
|
| 3-Year MSCI EAFE PTP Cap 10% Buffer Uncapped |
Point to Point
Triennial
|
|
| 1-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap 10% Buffer |
Point to Point
Annual
|
17%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 7% | 7% | 6% | 5% | 4% | 3% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Return of Purchase Payments Death Benefit | Yes |
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