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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Enduris 10 FIA

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Highlights

Enduris FIA is a long-term contract designed to help achieve future financial milestones. Your funds grow tax deferred, are protected from market downturns and provide you the flexibility to distribute your premium dollars among the fixed interest or available S&P 500 indexed interest options. 
  • The Best Entry feature is designed to protect against early downward index movement.
    If the S&P 500 declines significantly shortly after issue, the Enduris annuity adjusts your index starting value to a new lower level, enhancing your growth potential during your first index option period. 
  • The Enhanced Participation (EPAR) Indexed Interest Options offer additional upside growth potential.
    The EPAR Indexed Interest Options offer you the chance to capture a greater percentage of growth if the S&P 500 Index performs well during the option period. 
Available in states: AL, AK, AZ, AR, 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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
10 Years
Surrender schedule
9%9%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
07/08/2024
Minimum contribution
$10,000
Maximum contribution
$1,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
Brochure
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Find out if the Enduris 10 FIA is the right product for you.

Premium Notes

Premium
You can purchase an Enduris FIA with a single minimum premium of $10,000 for both qualified and non-qualified funds.

Issue Ages
18 - 80 (Qualified and Non-Qualified funds)

Free Look Period
30 days 

Withdrawal Provisions

Market Value Adjustment (MVA)
The Enduris FIA comes with a Market Value Adjustment. The MVA applies only when the Surrender Charge applies. The MVA could increase or decrease the amount you receive from Surrender or a withdrawal in excess of the free amount, depending on certain market interest rates.

Free Partial Withdrawals
10% of the Account Value may be withdrawn each contract year, after the first contract year, without incurring Surrender Charges or MVA.

RMDs
The Contract Owner can access required IRS Required Minimum Distributions without incurring a Surrender Charge. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
5% Fixed
1-Year S&P 500 PTP Enhanced Participation Rate (EPAR)
Threshold Part Rate
Annual
25% Participation
2-Year S&P 500 PTP Enhanced Participation Rate (EPAR)
Threshold Part Rate
Biennial
25% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
12% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
20% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
50% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

No Riders for Enduris 10 FIA annuity.

Waivers

Death

Surrender Charges do not apply to the death benefits paid. The Death Benefit will not be reduced by any negative MVA.

Nursing Home

Surrender Charges and MVA will be waived if one of the following events occurs: 1. The Contract Owner becomes confined to a nursing home for at least 90 consecutive days on or after the Contract Date; 2. The Contract Owner is confined for a total of at least 90 days if there is no more than a 6-month break in the confinement and the confinements are for related causes.

Terminal Illness

Surrender Charges and MVA will be waived if the Contract Owner becomes terminally ill or injured in such a way that they are not expected to live more than 12 months.

Annuitization

Your Contract may be annuitized without Surrender Charge or MVA at any time after the third contract year.

Surrender Window

There are no surrender charges during the first 30 days beginning immediately at the end of the Initial Guarantee Period or any subsequent Guarantee Periods.

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