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Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to the 7-year surrender schedule. Charges decline annually until reaching 0% after the term.

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the full contract value without the application of surrender charges. Once annuitized, remaining benefits follow the elected settlement option.

• Long-Term Care / Hospital Confinement Waiver:

 Waives surrender charges if the owner or annuitant is confined to a long-term care facility or hospital for at least 30 consecutive days.

 Waives surrender charges for qualifying diagnosis with life expectancy of 12 months or less.

Beginning immediately, owners may withdraw up to 10% of the contract value each contract year without surrender charges, subject to a $250 minimum. Free withdrawals are non-cumulative, and multiple withdrawals are allowed within the 10% limit. Systematic interest-only or 10% withdrawals are available monthly, quarterly, semiannually, or annually.

 funds. Passport MYGA accepts a range of funding types, including Non-Qualified assets, Traditional IRAs, Roth IRAs, and rollover IRA funds.

(Systematic withdrawals are not available for Roth IRA plans.)

An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement.

At the end of the 7-year guarantee period, surrender charges end and the contract enters an annually declared-rate period. The owner may:

• Continue the contract at annually declared renewal rates

• Annuitize under any available settlement option

• Take withdrawals or fully surrender the contract

(Passport MYGA does not use a 30-day renewal window or automatic term re-entry like Skyline; it converts to annual declared rates after the 7-year term.)

The surrender value equals the account value minus any applicable surrender charges and is never less than the minimum nonforfeiture benefit as required by state law.

 is a single-premium deferred fixed annuity that offers principal protection and tax-deferred interest growth, with the ability to lock in a guaranteed interest rate for a selected period of one, two, three, four, five, or seven years (availability varies by state). It includes a first-year 2% interest rate enhancement and a money-back guarantee feature (subject to surrender charges through year seven), making it a straightforward accumulation option for conservative, long-term savers.

Columbus Life – Passport MYGA