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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

SecureLink Chronic Illness Access

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Highlights

The SecureLink Chronic Illness Access fixed indexed annuity is designed for clients who desire growth but may also be concerned about paying for care in the event of a chronic or terminal illness.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation & Legacy
Term
7 Years
Surrender schedule
9%8%7%6%5%4%3%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
10/01/2018
Minimum contribution
$20,000
Maximum contribution
$2,000,000
Max Age Qualified
75
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, 1035 Exchange, and Inherited IRA
Brochure
Open brochure

Find out if the SecureLink Chronic Illness Access is the right product for you.

Withdrawal Provisions

Withdrawals
Withdrawal Minimum $250 (or when applicable, RMD amount if less)
  • 10% of your prior Contract Anniversary value (1st contract year, 10% of Purchase Payment)
  • Required Minimum Distribution in excess of 10% (for IRA accounts). Free Withdrawal (Not available on surrender). You may withdraw a portion of your Contract Value free from any Surrender Charge or Market Value Adjustment. Set on each Contract Anniversary, it is the greater of: All withdrawals reduce your contract, surrender, and death benefit values.
Transfers
Available for 21 days following each contract anniversary (coinciding with the end of the applicable crediting period). Transfers will earn the renewal rate for the selected account option. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.1% Fixed
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
7.65% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.7% Cap
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year SG Climate Prepared PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year Fixed Account
Fixed
4.25% Fixed
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year SG Climate Prepared PTP Participation Rate
Point to Point
Annual
180% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
Accelerated Death Benefit Rider (ages 70 and under) Yes 0.75% annually
Accelerated Death Benefit Rider (ages 71-75) Yes 1.15% annually

Waivers

Death

Surrender Charge and MVA waived at Death.

Terminal Illness

Where one has a terminal condition directly resulting in a significantly reduced life expectancy. (This is typically 12 months or less. It may vary by state.)Withdrawal or surrender during the death benefit acceleration period for chronic/terminal illness.

Annuitization

Waiver of Surrender Charge and MVA

ADL

Chronic Illness, where one is either (a) unable to perform at least two of six activities of daily living, or (b) has severe cognitive impairment. Activities of daily living (ADLs) refer to basic functional abilities that ensure the ability for self-care and the ability to live independently without substantial assistance from another individual. The six ADLs are bathing, continence, dressing, eating, toileting, and transferring. Severe cognitive impairment is the deterioration or loss of intellectual capacity, requiring substantial assistance by another person to protect you from threats to health and safety.

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