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American Freedom Stars & Stripes 5

American Freedom Stars & Stripes 5

Offer your clients guaranteed growth with American Freedom Stars & Stripes 5. This fixed annuity offers a base interest rate that increases 0.15% in years two through five. This product accepts single purchase payments. For a complete product description, see the Product Overview in the Marketing Materials section below.

No MVA available in: IN, MN, MO and OH

Details

Issue Ages

Inherited non-qualified 0-75Non-qualified 0-89Inherited IRA 0-75Qualified 0-89

Tax Qualifications

Non-qualifiedQualifiedInherited non-qualified403(b) (Traditional and Roth)IRA (Traditional, Roth, SEP, SIMPLE and Inherited)457(b)

Purchase Payments

Subsequent allowed 60 days from issue only; Minimum: $2,000

Purchase Payment Minimums and Maximums

Minimum:

$10,000

Maximum:

$1 million for ages 0-85
$500,000 for ages 86+

Early Withdrawal Charges

5-year declining 9%, 8%, 7%, 6%, 5%

Market Value Adjustment

A market value adjustment will apply to withdrawals and surrenders during each five-year term

Free Withdrawal Allowance

After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment.During the first contract year, 10% of the purchase payment may be withdrawn without an early withdrawal charge or market value adjustment

Waivers

Terminal Illness WaiverExtended Care Waiver

Bonus Features

0.15% annual interest rate increase in years 2-5

Payout Options

Fixed period payoutLife payoutLife payout with payments for at least a fixed periodJoint and one-half survivor payout

Marketing Materials

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