Beginning on the first day of the seventh policy year, your annuity will earn a portfolio interest rate, which may go up or down, but will never be less than the policy’s minimum guaranteed rate. The minimum guaranteed rate for all 2010 contracts throughout the life of the policy is 1.00% *.

There are no front end sales charges or annual fees, so 100% of your money works for you!

The Guaranty 6 Annuity gives you a multitude of flexible features to fit your personal needs.

Annuity Features

• Liquidity
  
  • Your interest earnings are available when you need them. You may withdraw 100% of your interest earnings free of all charges, subject to a $100 minimum. If you desire we will make a monthly deposit directly into your bank account. Withdrawal of principal is subject to charges and a Market Value Adjustment in the first six policy years. You should not purchase this annuity if you may need to surrender it during the first six policy years.
    
• Payout option
  
  • You may elect to annuitize at any time with a wide range of options from which to choose. Surrender charges are waived if you elect a payout option of five years or longer.
    
• Death Benefits
  
  • The full account value will be paid to your designated beneficiary at the Owner’s death, without deduction of any charges or fees.