Denali 10
The Denali 10 annuity is a secure choice for future planning. Promise of stable returns and excellent features caught our eye! Guaranteed lifelong income sure gives peace of mind.
A cherry on top? The flexibility to access funds in emergencies openly described in their brochure. All in all, Denali 10 garners our vote for a worry-free retirement!
Denali 10
About Product
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Barclays Atlas 5 Boost Spread (Most States) |
Boost
Annual
|
4.25%
Spread
|
| 1-Year S&P 500 RavenPack AI PTP Boost Spread (Most States) |
Boost
Annual
|
4.5%
Spread
|
| 1-Year Nasdaq Generations 5 Boost Spread (Most States) |
Boost
Annual
|
4.25%
Spread
|
| 1-Year Fixed Account (Most States) |
Fixed
|
4.75%
Fixed
|
| 1-Year S&P 500 PTP Monthly Average Participation Rate (Most States) |
Point to Point
Annual
Monthly average
|
105%
Participation
|
| 1-Year Barclays Atlas 5 PTP Participation Rate (Most States) |
Point to Point
Annual
|
205%
Participation
|
| 1-Year S&P 500 PTP Monthly Sum Cap (Most States) |
Point to Point
Annual
Monthly sum
|
3.25%
Cap
|
| 1-Year S&P 500 PTP Cap (Most States) |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year S&P 500 PTP Participation Rate (Most States) |
Point to Point
Annual
|
60%
Participation
|
| 1-Year S&P 500 RavenPack AI PTP Participation Rate (Most States) |
Point to Point
Annual
|
220%
Participation
|
| 1-Year Nasdaq Generations 5 PTP Participation Rate (Most States) |
Point to Point
Annual
|
210%
Participation
|
| 1-Year S&P 500 Duo Swift PTP Participation Rate (Most States) |
Point to Point
Annual
|
82%
Participation
|
| 1-Year Bloomberg Versa 10 PTP Participation Rate (Most States) |
Point to Point
Annual
|
100%
Participation
|
| 1-Year S&P 500 RavenPack AI PTP Boost Spread (Compact States) |
Boost
Annual
|
3%
Spread
|
| 1-Year Nasdaq Generations 5 Boost Spread (Compact States) |
Boost
Annual
|
2.75%
Spread
|
| 1-Year Barclays Atlas 5 Boost Spread (Compact States) |
Boost
Annual
|
2.75%
Spread
|
| 1-Year Nasdaq Generations 5 Boost Spread (Variation States) |
Boost
Annual
|
3.5%
Spread
|
| 1-Year S&P 500 RavenPack AI PTP Boost Spread (Variation States) |
Boost
Annual
|
3.75%
Spread
|
| 1-Year Barclays Atlas 5 Boost Spread (Variation States) |
Boost
Annual
|
3.5%
Spread
|
| 1-Year Fixed Account (Compact States) |
Fixed
|
4%
Fixed
|
| 1-Year Fixed Account (Variation States) |
Fixed
|
4%
Fixed
|
| 1-Year Fixed Account (Variation States)(TX Only) |
Fixed
|
4%
Fixed
|
| 1-Year Barclays Atlas 5 PTP Participation Rate (Variation States) |
Point to Point
Annual
|
185%
Participation
|
| 1-Year Nasdaq Generations 5 PTP Participation Rate (Compact States) |
Point to Point
Annual
|
165%
Participation
|
| 1-Year S&P 500 PTP Monthly Average Participation Rate (Variation States) |
Point to Point
Annual
Monthly average
|
95%
Participation
|
| 1-Year Bloomberg Versa 10 PTP Participation Rate (Compact States) |
Point to Point
Annual
|
80%
Participation
|
| 1-Year S&P 500 Duo Swift PTP Participation Rate (Compact States) |
Point to Point
Annual
|
65%
Participation
|
| 1-Year S&P 500 RavenPack AI PTP Participation Rate (Compact States) |
Point to Point
Annual
|
175%
Participation
|
| 1-Year S&P 500 PTP Participation Rate (Compact States) |
Point to Point
Annual
|
47%
Participation
|
| 1-Year S&P 500 PTP Cap (Compact States) |
Point to Point
Annual
|
7.25%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap (Compact States) |
Point to Point
Annual
Monthly sum
|
2.5%
Cap
|
| 1-Year Barclays Atlas 5 PTP Participation Rate (Compact States) |
Point to Point
Annual
|
165%
Participation
|
| 1-Year S&P 500 PTP Monthly Average Participation Rate (Compact States) |
Point to Point
Annual
Monthly average
|
85%
Participation
|
| 1-Year S&P 500 PTP Monthly Sum Cap (Variation States) |
Point to Point
Annual
Monthly sum
|
2.75%
Cap
|
| 1-Year S&P 500 PTP Cap (Variation States) |
Point to Point
Annual
|
8.5%
Cap
|
| 1-Year S&P 500 PTP Participation Rate (Variation States) |
Point to Point
Annual
|
55%
Participation
|
| 1-Year S&P 500 RavenPack AI PTP Participation Rate (Variation States) |
Point to Point
Annual
|
200%
Participation
|
| 1-Year Nasdaq Generations 5 PTP Participation Rate (Variation States) |
Point to Point
Annual
|
190%
Participation
|
| 1-Year S&P 500 Duo Swift PTP Participation Rate (Variation States) |
Point to Point
Annual
|
72%
Participation
|
| 1-Year Bloomberg Versa 10 PTP Participation Rate (Variation States) |
Point to Point
Annual
|
90%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 12% | 12% | 11% | 10% | 9% | 8% | 7% | 6% | 4% | 2% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Denali with Lifetime Withdrawal Benefit | Yes |
Waivers
Nursing Home
Unavailable in states: CA, and SD
After the first policy year, you can withdraw up to 100% of your annuity’s account value if you become confined to a qualified care facility for at least 90 consecutive days and meet the eligibility requirements. There is a waiting period of 1 year after policy issue date, and you cannot be confined at the time the policy is issued.
Terminal Illness
Unavailable in states: CA
After the first policy year, you can withdraw up to 100% of your annuity’s account value if you are diagnosed with a terminal illness that results in you have a life expectancy of 12 months or less and you meet the eligibility requirements. You cannot be confined at the time the policy is issued.
ADL
Unavailable in states: CA, and SD
Home Health Benefit. After the first policy year, you can withdraw up to 20% of your annuity’s account value each for 5 years if you need home health care services and meet the eligibility requirements.
Premium Notes
- $10,000 Qualified and Non-Qualified
- Additional premiums allowed 1st 12 months. (Minimum Additional Premium: $2,000). Additional premiums accepted as both, Lump Sum or Periodic payments.
Withdrawal Provisions
Free WithdrawalsIn the 1st Policy Year, Required Minimum Distributions can be withdrawn. After the 1st Policy Year, up to 5% of the Account Value or RMD can be withdrawn. One non-systematic free withdrawal allowed per year.
- A.M. Best B
- Fitch BBB-
- Comdex 32
