Multi-Select: Multi-Year Guaranteed Annuity

Retirement Income

Enjoy the stability of predictable growth for a time period you choose. Our Multi-Select® Annuity offers an interest rate that is guaranteed for a time period of your choice so the growth of your account is steady and predictable.

  • Interest Only Withdrawals during year one
  • 10% Free Withdrawal Provision after the first contract year
  • Waiver of Surrender/Withdrawal Charges for3:
    • Home Health Care Benefit
    • Terminal Illness Benefit
    • Nursing Home Benefit

Policy Features


Surrender/Withdrawal Charge Schedule

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

Surrender/withdrawal charges and a market value adjustment2 apply during the initial and renewal guarantee periods. The early surrender/withdrawal charge is 10% in the first year and reduces 1% each year thereafter. After the initial guarantee period, there is a 30-day window of time, beginning in the renewal period, in which you may withdraw all or part of your funds without any surrender/withdrawal charges. If you surrender or withdraw funds from your annuity during the renewal or subsequent guarantee periods, excluding the 30-day window, surrender/withdrawal charges and a market value adjustment will apply2. However, these charges will not be applied in the following cases:

Contribution Limits & Issue Ages

Product Minimum Maximum
All Ages 18-75 76-80 81-85
Multi-Select(All Durations) $20,000 $1,000,000 $750,000 $500,000

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