Product Highlights:

Issue Ages:

0 through 90 (age last birthday)

Interest Rates:

Bonus interest, not to exceed 1 percent, may be payable in the first policy year. The guaranteed interest rate for the first policy year is the "current" interest rate. Thereafter, the interest rate will be based on the then-current rates, but never less than 1.5 percent for policies issued in 2011 (contractually based on the NAIC model index). For current rates, see the Interest Rate Bulletin on right.

Deposit Amounts:

Minimum premium of $2,000; Amounts over $500,000 require company approval.

Front-end and Handling Fees:

None

Withdrawal Provision:

Up to 10 percent of the account value may be withdrawn per policy year, with no surrender charges.

Surrender Charges:

Applicable to amounts above the 10 percent withdrawal provision, in decreasing amounts during the first nine policy years.

Nursing Home Provision:

Full account value may be withdrawn without penalty if annuitant is confined in a nursing home 30 days or longer.

Disability Provision:

No surrender charges for withdrawals if the annuitant becomes totally disabled from an accident or illness.