American Landmark 3

Issue Ages

Inherited non-qualified 0-75Inherited IRA 0-75Qualified 0-90Non-qualified 0-90In Texas, contracts can only be issued up to age 85

Tax Qualifications

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

Purchase Payments

Subsequent purchase payments accepted in first two contract monthsIssued with single purchase payment

Purchase Payment Minimums and Maximums

Minimum:

$50,000

Subsequent:

$2,000

Maximum:

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

Early Withdrawal Charges

3-year declining 9%, 8%, 7%

Market Value Adjustment

A market value adjustment will apply to withdrawals or surrenders during the three-year term.

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge or market value adjustment.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment.

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

Declared RateS&P 500 1-Year Point-to-Point with CapiShares U.S. Real Estate 1-Year Point-to-Point with CapiShares MSCI EAFE 1-Year Point-to-Point with CapFirst Trust Barclays Edge Index 1-Year Point-to-Point with Par RateFirst Trust Barclays Edge Index 1-Year Point-to-Point with 3-Year Par Rate LockAvailable strategies may vary by state and distribution. Please view state approvals to learn more about availability.

Guaranteed Minimum Surrender Value (GMSV)

87.5% of purchase payments, plus interest credited daily at a minimum guaranteed rate, less withdrawals, not including amounts applied to pay early withdrawal charges or negative MVAs

Payout Options

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

All Annuities

Indexed

Fee-Based

Riders

Registered Index-Linked

Fixed

Marketing Materials

Illustration Software

Product Rates

Calculators

Submit Business

Training

Learning

Marketing Materials

Forms & Kitting