Flexible Premium Deferred Annuity

The Flexible Premium Deferred Annuity from Woman’s Life is a robust and flexible retirement product that caters specifically to the needs and aspirations of women. This fantastic annuity offers the potential of tax-deferred growth and a guaranteed minimum rate of return. You have the power to make premium payments at your convenience, whether systematically or occasionally, and you can start with as little as $1,000. With this annuity, you can gradually build assets for your retirement or consolidate funds from your other retirement plans.

What really sets this annuity apart are the additional perks that come with your membership in the Woman's Life Insurance Society. Not only does every dollar you invest work for you without any front-end loads or administrative charges, but you also get access to a range of lucrative member benefits like discounted health screenings, an accidental death benefit, and networking opportunities within local chapters. Plus, with the option to withdraw up to 10% of your accumulated value each year without any charges, you have flexibility for any unpredictable life events.

Flexible Premium Deferred Annuity

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About Product

Premium Type

Flexible Premium

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Yes

Minimum Contribution

$500

Maximum Contribution

$500,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, IRA Rollover, IRA Transfer, IRA-Roth, 457 plan, and TSP

Traditional Fixed Annuity Interest Rates

Surrender Years	First Year Yield	Term Guaranteed Yield	Term Current Yield
10	5%	3.2%	3.2%

A Flexible Premium Deferred Annuity from Woman’s Life Insurance Society lets you decide how much and how often to contribute. You can make premium payments systematically (such as monthly, quarterly, or annually) or periodically, when the opportunity arises.

Your money earns a competitive fixed interest rate on a tax-deferred basis. You won’t pay taxes on your earnings until distribution is made from your annuity.

When you’re ready to retire, benefits can be taken under several options – from a lump sum to a guaranteed income for the rest of your life, no matter how long you live.

Issue Age
0 - 85 (Traditional IRAs: 18-69, only rollover amounts can be accepted at issue ages 70 and above. ROTH IRAs: 18-85)

Minimum Contribution
$500 initial deposit or $25 per month Ages 0 – 24
$1,000 initial deposit or $50 per month Ages 25 - 49
$1,000 initial deposit or $100 per month Ages 50 and above
Additional Payments could be accepted as a Lump Sum or periodic payments.

Maximum Contribution
$500,000

Withdrawals
After the first certificate year, up to 10% of the accumulated value of the certificate in any one certificate year can be withdrawn without charge. Withdrawal charges are a percentage of the partial withdrawal and are the same percentage as the surrender charge. Withdrawal charges are imposed during the first ten certificate years only.
This annuity does not allow any withdrawals during the first certificate year (including RMD).

Principal guarantee
Cash surrender value will not be less than the total amount of premium paid minus previous withdrawals.

Security
A wide variety of attractive retirement income options, including payments for life or a specific number of years.

Notes
From TSP, P/S, 457 Def Comp, may have to identify pre tax funds and after tax to set up an IRA account and / or NQ account.

Fraternal Benefits Available to Social & Benefit Members
Woman’s Life Member Discount Program
Life Line Screening
Accidental Death Fraternal Benefit
Local Chapter Involvement

Fraternal Benefits Available to Benefit Members
Good Health Benefits
Woman’s Leadership Development Grant
Scholarship Opportunity