Multi-Year Guaranteed Annuity
Future Flex Classic
Guarantee terms
1 yr
Free withdrawal
Not published
Market value adj.
Does not apply
Minimum premium
$500,000
Availability
49 jurisdictions (48 states + DC)
Surrender schedule
Not published
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Jul 29, 2026
Guaranteed rates by term
Published guaranteed rates are shown for their eligible premium bands. No $100,000 outcome or market comparison is calculated when that reference premium is outside every published band.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | Term-end value$100,000 is ineligible | Rate contextReference amount ineligible |
|---|---|---|---|---|---|
| 1-yearSchedule not publishedHighest | 4.60% | 4.60% | Flat throughout | Outside this premium band | Not comparable at $100,000 |
Rates are shown only as published evidence for their eligible premium bands. The $100,000 reference premium is outside every displayed band, so no ending value or market comparison is calculated at that amount.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · not published
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
The published contract data says a market value adjustment does not apply.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- The live contract data reports that a market value adjustment does not apply.
- Waivers are published for activities-of-daily-living events, medically related surrenders, nursing-home stays, required minimum distributions, and terminal illness.
What to confirm
- The rate is guaranteed for one year and can change at renewal, so this is not a multi-year rate lock despite appearing in the fixed-annuity catalog.
- The product is not filed in every jurisdiction and buyers should confirm the live premium band that applies to their deposit.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$500,000 minimum
$5,000,000 maximum · Fund type: $500,000–$5,000,000
Issue ages
annuitant: 0–95; owner: 18–95
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Not available
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Certain period · Joint life · Single life
Maximum annuitization age: 115 years
Fees and charges
None published
Contract versions
1
Most states · No MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Sep 4, 2026.
State availability
49 jurisdictions (excl. California, New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.