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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

SecureOption Focus

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Learn how an annuity can provide guaranteed income for life.

Highlights

Premium Type
Single Premium with Additional
Max age Qualified
88
Minimum Contribution
$10,000
Maximum Contribution
$2,000,000
Market value adjustment
Return of premium
Free withdrawal
10%
Launch date
11/22/2011
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, and Inherited IRA
Brochure
Open brochure
The SecureOption Focus is a limited pay fixed deferred annuity, which provides: 
  • Guaranteed protection of your purchase payments against loss. 
  • Access to your money in an emergency. 
  • Tax-deferred compounding to accumulate savings faster. 
  • Secure income that can be guaranteed to last a lifetime. 
  • The strength of a company known for keeping its promises. 
The SecureOption Focus annuity is available to anyone age 88 or younger. The minimum purchase payment is $10,000, and the maximum is $2 million. The minimum additional purchase payment amount is $1,000, allowed during the first six months only.

Access your money
Flexible withdrawals in a fixed annuity can be hard to come by, but with SecureOption Focus, you can access a portion of your annuity’s value without contract penalty. The minimum withdrawal amount is $250.

Free withdrawal amount
Access up to 10% of your annuity’s contract value (as of the prior contract anniversary). In the first contract year, you may withdraw up to 10% of your purchase payments. Not available upon contract surrender.

Return of purchase payment guarantee
If the unexpected happens and you need to surrender your contract, SecureOption Focus allows you to do so and receive your purchase payments back. With the return of purchase payment guarantee, if you surrender your contract and have taken no prior withdrawals, you are guaranteed to get back at least your total purchase payments. 
It’s important to note the impact withdrawals have on the return of purchase payment guarantee. If you’ve taken withdrawals (and a deferred sales charge did not apply), you will receive your total purchase payments less withdrawals at the time of contract surrender. If you have taken withdrawals and a deferred sales charge did apply, you’re guaranteed to receive back your total purchase payments less withdrawals and applicable charges. 

Death Benefit
Contract value 

Find out if the SecureOption Focus is the right product for you.

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MYGA Interest Rates

Term
Rate
Annual percentage yield (APY)
earned over the investment term
7 years 3.95%

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
7 4.7% 3.07% 3.84%
7 3.95% 3.29% 3.95%
7 3.95% 3.62% 3.95%

Riders

No Riders for SecureOption Focus annuity.

Waivers

Death

It’s also good to know that amounts payable as a death benefit go to your beneficiaries free from deferred sales charge.

Terminal Illness

Unavailable in states: CA

After the first contract anniversary, you can withdraw additional amounts if you are diagnosed with a terminal illness or condition with a life expectancy of 12 months or less.

Annuitization

Available after the first policy year.

Confinement

Unavailable in states: CA

After the first contract anniversary, you can withdraw additional amounts if you are confined to a healthcare facility with a minimum 90-day confinement (60 days in New York). The request must be made while confined or within 90 days following discharge.

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