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Teton Bonus 14 (Most States)

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The Teton Bonus Series is designed to help meet your long-term retirement savings needs. They include a withdrawal charge period. If you withdraw more than the free amount allowed during the withdrawal charge period, a withdrawal charge, market value adjustment and premium bonus recovery, if applicable, will be applied. These charges do not apply to free withdrawals, cumulative withdrawals, RMDs, nursing home-withdrawals, terminal illness withdrawals, home-health care withdrawals, income payments, or death benefits. (For more information see Certificate of Disclosure.)

Barclays Atlas 5 Boost/Spread - Spread decreases your interest rate. Your interest credit will never be less than zero.
The boost increases your interest credit.

Inherited IRAs
Inherited IRAs will be allowed on Teton subject to the following conditions: 
  • Inherited IRAs are not accepted for a deceased who passed in 2020 or later. 
  • When the beneficiary is younger than the decedent, maximum issue age of 65.
  • When the beneficiary is older than the decedent, the maximum age at death is 65. 
  • If the new SILAC IRA is Teton or Teton Bonus, additional premiums will not be accepted 
  • Distribution restrictions apply
Available in states: AL, AZ, AR, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MI, MS, NE, NH, NM, NC, ND, OK, RI, SD, TN, VT, VA, WV, WI, and WY
Fixed Index
Purpose Accumulation
Premium Bonus
14 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 5%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP
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Find out if the Teton Bonus 14 (Most States) is the right product for you.

Premium Notes

Minimum Premium 
  • $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.
The Teton Bonus series allows you to add an additional premium for the first policy year. All additional premiums will automatically be applied to the fixed interest strategy and can be reallocated at the end of the first year.

Note: we take TSP as a rollover to IRA.

Withdrawal Provisions

Free withdrawals
In 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.

Cumulative Free Withdrawals
If no withdrawals are taken in a given year, fully unused free withdrawals can be carried over to the next policy year. The maximum cumulative free withdrawal amount is 30% of your account value (as of the most recent policy anniversary). 

Allocation Accounts

Name Type Rates
1-Year Barclays Atlas 5 Boost Spread
2.75% Spread
1-Year S&P 500 RavenPack AI PTP Boost Spread
3.25% Spread
1-Year Nasdaq Generations 5 Boost Spread
3% Spread
1-Year Fixed Account
3.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
7% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
47% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Monthly sum
2.5% Cap
1-Year S&P 500 PTP Monthly Average Participation Rate
Point to Point
Monthly average
80% Participation
1-Year Barclays Atlas 5 PTP Participation Rate
Point to Point
165% Participation
1-Year S&P 500 RavenPack AI PTP Participation Rate
Point to Point
175% Participation
1-Year Nasdaq Generations 5 PTP Participation Rate
Point to Point
170% Participation
1-Year S&P 500 Duo Swift PTP Participation Rate
Point to Point
62% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Penalty 15% 14% 13% 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2%


Name Inbuilt Fee
Elevation Rider No



Beneficiary(s) will receive the full Account Value upon the death of the Owner.

Nursing Home

Unavailable in states: SD

Up to 100% of the Account Value can be withdrawn if the Owner is confined to a nursing home for at least 90 consecutive days and meets the eligibility requirement. Available after the 1st Policy Year.

Terminal Illness

Up to 100% of the Account Value can be withdrawn if the Owner is diagnosed with a Terminal Illness that results in the Owner having a life expectancy of 12 months or less and eligibility requirements are met. Available after the 1st Policy Year.


Unavailable in states: SD

After the first policy year, you can withdraw up to 20% of your annuity's contract value each year for 5 years if you need home health care services and meet the eligibility requirements.

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