Best Guaranteed Annuity Rates

Access SPDA 4

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Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
1st year: -100%
2nd+ year: 10%
Launch date
Types of funds
Non-Qualified, 401k, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, and TSP
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Access Single Premium Deferred Annuity (SPDA) allows for a single premium payment. The minimum premium you may make is $5,000. Interest rate guarantees are outlined below. The amount of interest to be credited is somewhat dependent on the amount of premium deposited. If the premium is less than $10,000, the interest rate guaranteed after December 31st of the year of issue is ½ % less than for premium deposits at the same time for a similar policy over $10,000. The annuity fund value will increase during the surrender period by interest credited at a conditionally guaranteed rate shown on the policy data pages. If the amount of the annuity fund value drops below the threshold shown on the data pages, then we will credit interest at the rate that has been determined by our Board of Directors for all monies on deposit at the end of the period ending December 31st of the prior calendar year or as may be redetermined by our Board of Directors once during the current calendar year. The crediting rate will never be less than the Basic Interest Rate.

Death Benefit
If you are the annuitant and die before we start to pay you income from your annuity, we pay the annuity fund value to your beneficiar y. If you are the owner of the deferred annuity but not the annuitant, death benefit proceeds may also be payable at your death. See the “Ownership” provision in your annuity contract for details. If you elect to take regular monthly income payments of principal and interest, we will issue you a supplemental contract. If you die after the payouts start, whether or not there is a death benefit payable to your beneficiary and how that benefit if any, would be paid, is dependent on the type of payout you chose.

Withdrawal Features
Free withdrawals for: 
  • Required Minimum Distributions 
  • 10% of accumulated value per year or accumulated interest, whichever is greater. 
Withdrawals in excess of free withdrawal provisions made during surrender charge period will incur surrender charge.

Guaranteed Minimum Interest Rate
If the Basic Interest Rate (BIR) at contract issuance is greater than the GMIR, the higher rate applies during the surrender charge period.

Note: TSP funds have to be rolled into an IRA.

Find out if the Access SPDA 4 is the right product for you.


MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
4 years 3.35%


No Riders for Access SPDA 4 annuity.



Surrender charges are waived upon the death of the annuitant only.

Nursing Home

Beginning at policy issue. Waiver applicable to annuitant only. The nursing home waiver does not include home health care.

Terminal Illness

12 month life expectancy. Waiver applicable to annuitant only.

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