Best Guaranteed Annuity Rates

Single Premium Deferred Annuity

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Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, IRA Rollover, IRA Transfer, IRA-Roth, 457 plan, and TSP
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The Woman's Life Insurance Society single premium deferred annuity (SPDA) lets you make a single, one-time premium payment of $50,000 or more. Your money earns a competitive rate of return. The interest rate is subject to change annually, and it can never fall below the guaranteed minimum interest rate. All interest is tax-deferred; no taxes are due until distribution is made from the annuity. When you are ready to retire, benefits can be taken under several options – from a lump sum to income for life, regardless of how long you live. The Woman's Life Insurance Society SPDA is available as traditional or Roth IRAs and can be used for 401(k) rollovers.

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

Withdrawal charges are imposed during the first ten certificate years only. Withdrawal charges are a percentage of the partial withdrawal and are the same percentage as the surrender charge. After the first certificate year you can withdraw as much as 10% of the accumulated value each year without charge. You can arrange for withdrawal to be distributed on a monthly basis.
This annuity does not allow any withdrawals during the first certificate year (including RMD). 
Withdrawals from or surrender of annuities are subject to Federal Income Tax. In some circumstances a withdrawal may be subject to a penalty in addition to the Federal Income Tax.

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

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

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

Find out if the Single Premium Deferred Annuity is the right product for you.

Traditional Fixed Annuity Interest Rates

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


No Riders for Single Premium Deferred Annuity annuity.


Nursing Home

Unavailable in states: NJ, NY, OR, and PA

Surrender and withdrawal charges are waived for confinement to a nursing home of a member or spouse for more than 30 days duration.

Terminal Illness

Unavailable in states: NJ, and NY

Surrender and withdrawal charges are waived for terminal illness with less than 12 months life expectancy of the member or spouse.


After the first certificate year, surrender and withdrawal charges are waived for annuitization to a life income option.

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