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Withdrawals above the free 10% allowance, or full surrender within the guarantee term, are subject to a declining surrender charge schedule. Charges start at 9% and reduce annually by term length. A Market Value Adjustment (MVA) applies during the guarantee period, which may increase or decrease surrender values based on interest rate movements.

No administrative fees. The only potential charges are surrender fees and MVA adjustments during the guarantee period.

Beneficiaries receive the full account value, payable without reduction for surrender charges or MVA.

Includes waivers for terminal illness and nursing home confinement, subject to California approval.

Starting in year 2, policyholders may withdraw up to 10% of the prior year’s accumulation value annually without penalty. Required Minimum Distributions (RMDs) are also free of charge.

Available for both qualified and non-qualified plans.

Issued by Ibexis Life & Annuity Insurance Company, this MYGA Plus is offered only in California and must not be confused with the national MYGA Plus contract. It is available for both qualified and non-qualified accounts and requires a minimum premium of $10,000. Contracts are issued up to age 85, and higher credited rates apply to deposits of $100,000 or more. Beneficiaries receive the full account value as the death benefit, without reduction for surrender charges or MVA.

At the end of the guarantee period, contracts may renew into a new term at Ibexis’ then-current declared rate (not less than MGIR). Policyholders may also withdraw or annuitize without penalty.

Equals the accumulation value minus applicable surrender charges and MVA (if any) during the guarantee period. After the term ends, the full accumulation value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) that pays simple interest over guarantee periods of 3, 5, or 7 years. It is a California-specific product, designed with terms, surrender schedules, and credited rates that differ from the national MYGA Plus version. This annuity provides principal protection, guaranteed growth, and penalty-free annual withdrawals beginning in year two. No other state variations apply—these terms are exclusive to California.

Withdrawals above the 10% free allowance or full surrender during the guarantee period are subject to a declining surrender charge schedule, beginning at 9% in year one and reducing annually. An MVA applies and may adjust surrender values upward or downward.

None. The only potential costs are surrender charges and any MVA adjustment during the guarantee period.

Includes waivers for nursing home confinement and terminal illness, subject to state approval.

Beginning in year 2, policyholders may withdraw up to

 10% of the prior year’s accumulation value annually

 without penalty. Required Minimum Distributions (RMDs) are also penalty-free.

Available for both qualified and non-qualified funds. Issued as a single-premium deferred annuity.

Issued by Ibexis Life & Annuity Insurance Company, the MYGA Plus is available for both qualified and non-qualified accounts. Contracts are funded with a single premium and provide higher credited rates for deposits of $100,000 or more. Issue ages extend up to 85. Beneficiaries receive the full account value as the death benefit, payable without surrender charges or MVA.

At the end of the guarantee period, contracts may renew into a new guarantee period at Ibexis’ then-current declared rates (not less than MGIR). Policyholders may also withdraw or annuitize without penalty.

Equals the account value minus applicable surrender charges and MVA during the guarantee period. After maturity, the full accumulation value is available without penalty.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering simple interest creditingfor guarantee periods of 3, 5, or 7 years. It provides principal protection, predictable tax-deferred growth, and penalty-free access to a portion of funds beginning in year two. A Market Value Adjustment (MVA) applies during the guarantee period. At maturity, the accumulation value is available without penalty, with options to renew, withdraw, or annuitize.

Ibexis – MYGA Plus (3-, 5-, 7-Year Terms, Simple Interest, CA)

Ibexis MYGA Plus