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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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OrionShield 7

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Highlights

The OrionShield annuity is a single premium fixed indexed annuity product designed for clients who are: 
  • At or nearing retirement 
  • Looking for a growth opportunity for the assets that they can’t afford to lose 
  • Concerned about market losses and sudden swings 
Available in states: AL, AK, AZ, AR, 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, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
 Fixed Index
Purpose Accumulation
Term
 7 Years
Surrender schedule
 9%8%7%6%5%4%3%
Free withdrawal
 1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
 09/18/2023
Minimum contribution
 $25,000
Maximum contribution
 $2,000,000
Max Age Qualified
 85
Types of funds
 Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and 1035 Exchange
Brochure
 Open brochure

Find out if the OrionShield 7 is the right product for you.

Premium Notes

Annual Contract Fee 
None.

Withdrawal Provisions

Free Withdrawal amount
Beginning in the second contract year, 10% of the beginning Index Year Contract Value may be withdrawn without incurring any surrender charges or MVA. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.1% Fixed
1-Year S&P 500 PTP Higher Cap with 50% Participation Rate
Point to Point
Annual
50% Participation
12.25% Cap
1-Year S&P 500 PTP Cap with 100% Participation Rate
Point to Point
Annual
100% Participation
10.4% Cap
1-Year Russell 2000 PTP Monthly Average Participation Rate with Cap
Point to Point
Annual
Monthly average
100% Participation
9% Cap
3-Year Barclays Global Trailblazer PTP Participation Rate
Point to Point
Triennial
135% Participation
1-Year Barclays Global Trailblazer PTP Participation Rate
Point to Point
Annual
115% Participation
1-Year Fixed Account
Fixed
4.85% Fixed
1-Year S&P 500 PTP Higher Cap with 50% Participation Rate
Point to Point
Annual
50% Participation
14.5% Cap
1-Year S&P 500 PTP Cap with 100% Participation Rate
Point to Point
Annual
100% Participation
11.4% Cap
1-Year Russell 2000 PTP Monthly Average Participation Rate with Cap
Point to Point
Annual
Monthly average
100% Participation
10.25% Cap
3-Year Barclays Global Trailblazer PTP Participation Rate
Point to Point
Triennial
155% Participation
1-Year Barclays Global Trailblazer PTP Participation Rate
Point to Point
Annual
130% Participation

Surrender schedule

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

Riders

No Riders for OrionShield 7 annuity.

Waivers

Death

Surrender charges do not apply as a result of the death of the Annuitant.

Nursing Home

Unavailable in states: CA

If the Annuitant is confined to a Hospital or Nursing Facility for at least 30 consecutive days, partial withdrawals may be taken to help pay for expenses without incurring any surrender charges or MVA. Availability of the Nursing Home Waiver may vary by state and/or issue age.

Annuitization

Surrender charges do not apply under certain annuitization scenarios.

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