Fixed Annuities
Tax-deferred and consumer-friendly retirement products to help you save and grow your wealth.
Investors Fixed Accumulator
Multi-Year Guaranteed Annuity (MYGA)
The Investors Indexed Accumulator is a tax-deferred, single premium deferred annuity primarily intended for customers seeking a long-term retirement savings vehicle.
Coverage Option
3, 4, 5, 6, or 7 year term
Return of Premium rider
Market Value Adjustment rider
Multiple annuity payment options
Your money accumulates tax-deferred until it is paid to you
Minimum premium $10,000
Maximum age at policy issue 85 years
Q1: What if I change my mind about this annuity after I purchase it?
Answer: Within 30 days from the delivery date of your annuity, you may cancel it for a full refund.
Q2: What if I need to take money from my annuity?
Answer: you can freely access an amount of your annuity annually after the first year (the free partial withdrawal amount) without paying a surrender charge or triggering a market value adjustment.
Q3: What can I do with the money in my annuity when the guarantee period ends?
Answer: You will have a 30 day period before your current guarantee period ends to make one of four choices: continue the contract and begin a subsequent guarantee period; continue the contract and begin a one year interest rate period; take a partial withdrawal and continue the contract with a subsequent guarantee period; or surrender the contract in full.
Q4: How does the market value adjustment work?
Answer: With a market value adjustment, we are able to better match our assets and liabilities, which allows us to give you a higher rate. Like with bonds in general, when bond yields decrease, the value of your contract increases, and vice versa.
Investors Indexed Accumulator
Fixed Indexed Annuity (FIA)
The Investors Indexed Accumulator is a tax-deferred, single premium deferred annuity with an S&P 500-linked crediting option, primarily intended for customers seeking equity-linked growth in a long-term retirement savings vehicle with downside protection.
Coverage Option
5, 7, or 10 year term
Multiple index strategies (Participation, Cap, and Trigger) and one fixed rate strategy
Market Value Adjustment rider
Multiple annuity payment options
Your money accumulates tax-deferred until it is paid to you
Several ways to access the value of your annuity
Death benefit payable to beneficiary
Maximum age at policy issue 85 years.
Answer: Within 30 days from the delivery date of your annuity, you may cancel it for a full refund.
Q2: What if I need to take money from my annuity?
Answer: You can freely access an amount of your annuity each year ( the free partial withdrawal amount) without paying a surrender charge or triggering a market value adjustment.
Q3: Can I get a guaranteed rate of interest?
Answer: You can select an allocation to the fixed rate strategy, which pays a guaranteed rate of interest each year. In the allocation to the index strategies, your credited interest is positive when the S&P 500 is positive for the year, and can never be less than zero, even in years when the S&P 500 declines.
Q4: How does the market value adjustment work?
Answer: With a market value adjustment, we are able to better match our assets and liabilities, which allows us to give you a higher rate. Like with bonds in general, when bond yields decrease, the value of your contract increases, and vice versa.
