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Excelera Plus MYGIA 7 - Indexed Interest Crediting

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Excelera Plus is a fixed annuity tailored to help achieve long-term financial milestones. Your funds grow tax deferred, are protected from market downturns and you have the option to receive guaranteed income later in life. The Plus is the Best Interest Crediting feature unique to Excelera Plus.

With the Best Interest Crediting feature included in the Excelera Plus MYGIA, the interest credited is the greater of the guaranteed fixed interest and the indexed interest. Interest crediting will never be less than the guaranteed fixed interest rate but could be higher if the market performs well. It's that simple.
Both Fixed Interest Crediting Rate and Participation Rate are guaranteed for the term.

Please see the Guaranteed Fixed Interest Option
Available in states: AL, AZ, AR, CO, CT, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MI, MN, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY
Fixed Index
Purpose Accumulation
7 Years
Surrender schedule
Free withdrawal
Market value adjustment
Return of premium
Launch date
Minimum contribution
Qualified: $25,000
Non-Qualified: $50,000
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
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Find out if the Excelera Plus MYGIA 7 - Indexed Interest Crediting is the right product for you.

Premium Notes

Issue Age
18-85 (Qualified funds)
18-90 (Non-Qualified funds)

Min Premium
$25,000 for Qualified Contracts,
$50,000 for Non-Qualified Contracts

Max Premium
$1,000,000 (higher amounts will be considered and require company approval)

Withdrawal Provisions

Free Partial Surrenders
If the Contract is renewed for a second term, free partial surrenders up to 10% of the Accumulation Value may be taken each year.

Required Minimum Distribution
RMDs can be taken without incurring a Surrender Charge.

Renewal Process
Excelera Plus can be renewed for 1 additional term. If the Contract Owner takes no action, the contract will be renewed for the same Guarantee Period. Fixed Rates and Indexed Participation Rates may change at renewal.
No renewals are allowed at the end of the second Multi Year Guaranteed Period. Surrender Charges and MVA will no longer apply, and we will declare a fixed rate that can change in each future Contract Year. The Best Interest Crediting Option will no longer be available. 

Allocation Accounts

Name Type Rates
7-Year S&P 500 PTP Participation Rate
Point to Point
80% Participation

Surrender schedule

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


No Riders for Excelera Plus MYGIA 7 - Indexed Interest Crediting annuity.



Surrender charges do not apply to 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.

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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