Enduris 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, 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
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
9%8%7%6%5%4% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
Qualified: $25,000 Non-Qualified: $50,000 |
|
Types of funds
|
Non-Qualified, and IRA |
Brochure
|
Open brochure |
Find out if the Enduris FIA is the right product for you.
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
|
30%
Participation
|
| 2-Year S&P 500 PTP Enhanced Participation Rate (EPAR) |
Threshold Part Rate
Biennial
|
30%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
11%
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
|
50%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
60%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% | 4% |
Riders
No Riders for Enduris FIA annuity.
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