Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.50%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Enhanced Choice Index Plus 10

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 Enhanced Choice Index Plus is a single-premium, deferred index annuity offering multiple crediting strategies linked to index performance. Through a combination of indices, crediting options and enhanced product features, you can customize a retirement strategy that best aligns with your financial goals.
Legacy Max is an optional death benefit rider available to help maximize what you pass along to your heirs. It provides opportunities for guaranteed growth in declining markets, as well as performance-based growth in positive markets.
If the Legacy Max rider option is elected, 401k and Pension are not available.
If the Legacy Max rider option is elected, Enhanced Index Participation Rate and Enhanced Index Cap Rate strategies are not available.
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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.25% Fixed
1-Year S&P 500 DRC 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
235% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Enhanced Cap
Point to Point
Annual
13% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year BofA Global MegaTrends PTP Enhanced Participation Rate
Point to Point
Annual
160% Participation
1-Year BofA Global MegaTrends PTP Participation Rate
Point to Point
Annual
125% Participation
1-Year S&P 500 ESG DRC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
235% Participation
1-Year S&P 500 ESG DRC 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year S&P 500 DRC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
235% Participation

Surrender schedule

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