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Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Strategic Growth Plus Annuity

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

The Security Benefit Strategic Growth Plus Annuity, issued by Security Benefit Life Insurance Company (SBL), is a modified single premium, deferred fixed index annuity contract which provides a combination of guarantees, bonus, flexible interest choices, and withdrawal options.
This annuity may be well suited for a consumer/individual who has a sum of money the consumer/ individual does not want to place in the market, yet would like the potential for accumulation without risk.

Rate Buy Up Feature
The Rate Buy Up Feature is available on each index crediting option. For a monthly charge, each Index Account using this feature in which the contract value is allocated, may provide the owner a higher interest credit rate through a higher cap, higher participation rate, and/or lower spread as applicable. At the end of the surrender charge period, if the total Buy Up Costs are greater than the total index interest credits (including non Buy Up Options), then the excess of the total Buy Up Costs over the total index interest credits will be credited to the contract’s Fixed Account. Please note: the refund of Buy Up Charges does not apply if an excess withdrawal is taken from the contract (an excess withdrawal is a withdrawal that exceeds the annual free withdrawal limit). Refer to the Rate Buy Up Feature Brochure for details. 
Available in states: AL, AK, AZ, AR, CA, 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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.5% Fixed
2-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread
Point to Point
Biennial
145% Participation
1-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread
Point to Point
Annual
105% Participation
2-Year S&P MARC 5% PTP Participation Rate with Spread
Point to Point
Biennial
185% Participation
1-Year S&P MARC 5% PTP Participation Rate with Spread
Point to Point
Annual
140% Participation
2-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread
Point to Point
Biennial
195% Participation
2-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread
Point to Point
Biennial
135% Participation
1-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread
Point to Point
Annual
135% Participation
1-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread
Point to Point
Annual
100% Participation
2-Year S&P 500 LV DRC 5% TR PTP Participation Rate with Spread
Point to Point
Biennial
100% Participation
1-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread
Point to Point
Annual
100% Participation
2-Year UBS Market Pioneers PTP Participation Rate with Spread
Point to Point
Biennial
175% Participation
1-Year UBS Market Pioneers PTP Participation Rate with Spread
Point to Point
Annual
130% Participation
2-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread
Point to Point
Biennial
215% Participation
2-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread
Point to Point
Biennial
150% Participation
1-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread
Point to Point
Annual
155% Participation
1-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread
Point to Point
Annual
110% Participation
2-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread
Point to Point
Biennial
140% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.65% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
65% Participation
3% Spread
2-Year S&P MARC 5% PTP Participation Rate with Spread
Point to Point
Biennial
125% Participation
1-Year S&P MARC 5% PTP Participation Rate with Spread
Point to Point
Annual
100% Participation
2-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread
Point to Point
Biennial
100% Participation
1-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread
Point to Point
Annual
80% Participation
1-Year UBS Market Pioneers PTP Participation Rate with Spread
Point to Point
Annual
100% Participation
0.5% Spread
2-Year UBS Market Pioneers PTP Participation Rate with Spread
Point to Point
Biennial
120% Participation
1-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread
Point to Point
Annual
70% Participation
2-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread
Point to Point
Biennial
100% Participation
2-Year S&P 500 LV DRC 5% TR PTP Participation Rate with Spread
Point to Point
Biennial
80% Participation
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
55% Participation
3% Spread
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 12% 12% 11% 11% 10% 9% 8% 7% 6% 4%