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American Freedom Liberty 5 No MVA

American Freedom Liberty 5

Offer your clients flexibility with American Freedom Liberty 5. This fixed-indexed annuity offers a bailout feature on indexed strategies, accepts additional purchase payments during the first contract year, and features early withdrawal charges that end after five years. For a complete product description, see the Product Overview in the Marketing Materials section below.

Rates

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: $2,000Subsequent purchase payments accepted in the first contract year

Purchase Payment Minimums and Maximums

Minimum:

$25,000

Subsequent:

$2,000

Maximum:

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

Early Withdrawal Charges

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

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.In the event a cap falls below its bailout cap, early withdrawal charges will be waived.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

Declared RateS&P 500 1-Year Point-to-Point with CapS&P 500 5-Year Cap Lock Annual Point-to-PointiShares 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 CapFirst Trust Barclays Edge Index 1-Year Point-to-Point with 5-Year Cap LockAvailable strategies may vary by state and distribution. Please view state approvals to learn more about availability.

Bailout Feature

For each indexed strategy, early withdrawal charges will be waived if the cap for that indexed strategy ever falls below its bailout rate

Guaranteed Minimum Surrender Value (GMSV)

100% of purchase payments, plus interest credited daily at a minimum guaranteed rate, minus the account value multiplied by the applicable early withdrawal charge rate

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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