Keystone 5
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Highlights
The Keystone 5 Index Annuity is a fixed indexed annuity with a 5-Year surrender charge period offering multiple index accounts and one traditional fixed account. The initial premium may be allocated among the individual strategies available with a minimum of $5,000 per strategy.
On each contract anniversary, you may reallocate your annuity value among the strategies then available so long as you notify the company at least two weeks before each contract anniversary of such reallocation. The minimum amount you may reallocate is $5,000 and $5,000 must remain in any one strategy. Reallocation will be subject to the available strategies at that time.
On each contract anniversary, you may reallocate your annuity value among the strategies then available so long as you notify the company at least two weeks before each contract anniversary of such reallocation. The minimum amount you may reallocate is $5,000 and $5,000 must remain in any one strategy. Reallocation will be subject to the available strategies at that time.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
5 Years |
|
Surrender schedule
|
9%8%7%6%5% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.9%
Fixed
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
11.5%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% |