Preserve Multi-Year Guaranteed Annuity

Your interest rate is locked in for your entire guarantee period (1, 2, 3, 4, 5, 6, 7, 8, 9, or 10 years) and does not change based on market conditions

Your earnings compound without annual tax liability, allowing faster accumulation. Taxes are only due when you withdraw funds.

You can withdraw up to 10% of your account value annually starting in year two without surrender charges or market value adjustments

Early withdrawals beyond the 10% penalty-free amount incur a surrender charge that decreases over time (starting at 7%, declining to 0.75% by year 10)

Choose from 1 to 10 year guarantee periods to match your retirement timeline and goals

Annuitize your account to receive guaranteed income payments for life, with various payout options including joint life and period-certain guarantees

30 days before your guarantee period ends, you can renew for another period at current competitive rates with a 30-day window free from surrender charges

Your named beneficiary receives your account value as a lump sum or income payments, bypassing probate

If confined to a nursing home for 90+ continuous days after owning the contract for at least one year, you can withdraw funds penalty-free to cover care expenses

If you're diagnosed with a critical illness (heart attack, stroke, life-threatening cancer) or deemed terminally ill, you can access funds penalty-free to cover expenses