Beginning on the first day of the fifth contract year, your annuity will earn a portfolio interest rate, which may go up or down, but can never earn less than the contract's minimum guaranteed rate of 3.0%.

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

The Choice 4 annuity gives you a multitude of flexible features to fit your personal needs.

For example, you may elect to leave your interest earnings to accumulate on a tax-deferred basis or, with a minimum account balance of $20,000, you can elect to receive monthly income checks, based upon the monthly nominal interest rate. You may start or stop these options at any time.

Guaranteed Income or Deferred Growth? It's your choice!

Annuity Features

• Liquidity
  • You may withdraw 100% of your interest earnings free of all charges (minimum of $100). If you desire, we will mail you a monthly check, based on the nominal interest rate and a minimum account balance of $20,000. Withdrawal of principal is subject to charges in the first four policy years only.
• Payout option
  • You may elect to annuitize at any time with a wide range of options to choose from. Surrender charges are waived if you elect a payout option of five years or longer.
• Death Benefits
  • The account value will be paid at the death of the Annuitant, without deduction of company penalties