Best Guaranteed Annuity Rates

RateTrack Annuity

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Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP
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RateTrack Annuity, the industry's first floating rate annuity, offers unprecedented potential for automatic interest rate increases as rates rise without incurring market risk.

Here are a few advantages:
  • Potential to receive higher interest rates automatically as rates rise during your client’s contract Guarantee Period
  • Interest that compounds tax free until withdrawal
  • Ability to access a portion of the funds without penalty
  • Ability to access some or all of the money in a health emergency
  • Death benefit
Interest Crediting
During the selected Guarantee Period, the annuity features a unique interest crediting structure comprised of a Guarantee Period Base Rate (set at issue for the length of the Guarantee Period), in addition to a floating rate, the 3 Month CME Term SOFR Reference Rate, which resets annually at the rate on the last business day preceding contract anniversary) subject to a cap (set at issue for the length of the Guarantee Period).
After the selected Guarantee Period, the interest rate will be determined and set on an annual basis but will be no less than the GMIR.

Free Withdrawal
The Owner may withdraw up to 10% of the initial premium in the 1st Contract Year and up to 10% of the prior contract anniversary Account Value each subsequent year, free of surrender charges. Please refer to the contract for more details.

Death Benefit
100% of Account Value, less any applicable premium tax.

Stretch Annuity Option (Available on Non-qualified and Inherited IRA Incoming Transfers)
The stretch annuity option on non-qualified incoming transfers allows the non-spousal beneficiary to take death distributions over his or her life expectancy.

Note: TSP funds would be accepted as a rollover.

Find out if the RateTrack Annuity is the right product for you.


Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
5 6.1% 3.46% 6.1%


No Riders for RateTrack Annuity annuity.


Nursing Home

Unavailable in states: CA, and MA

You are confined to a hospital or nursing facility for 90 or more consecutive days immediately preceding the withdrawal or surrender and continue to be confined at the time we receive your request. The confinement must begin after the issue date of the contract, and we require proof of confinement. This endorsement is form 6054 (5-11)

Terminal Illness

Unavailable in states: CA, and NJ

You have been diagnosed with a terminal illness by a licensed doctor and the terminal illness is first diagnosed after the issue date of the contract, and we require proof of the terminal illness. This endorsement is form 6055 (5-11)

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