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Keystone 5

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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. 
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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.9% Fixed
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
9.75% Cap
1-Year S&P 500 PTP Cap
Point to Point
9.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
60% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 8% 7% 6% 5%