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The maximum withdrawal charges for Bankers Premier 5 are as follows: 8%, 7%, 6%, 5.5%, 4.5%, 0%. A Market Value Adjustment (MVA) applies during the first 5 years. These charges apply if funds are withdrawn in excess of allowable penalty-free amounts during the surrender charge period.

Nursing Home Benefit • Terminal Illness Benefit • Total Disability Benefit • Home Health Care Benefit – 1st Year 10% of Accumulated Value, thereafter 50% • Available on Qualified & Non-Qualified policies.

Required Minimum Distributions (RMDs) or Accumulated Interest or Monthly Interest if > $100.

Qualified or Non-Qualified (not available as 403(b) or SIMPLE IRA).

This annuity is designed to offer a fixed rate for five years, with an MVA (market value adjustment) applicable during the surrender period. After five years, the contract becomes liquid. It can be issued to clients up to age 90 and used with both qualified and non-qualified funds, excluding 403(b) and SIMPLE IRA plans. The contract provides a death benefit equal to the accumulated value and includes several health-related waiver benefits. Penalty-free withdrawals are limited to RMDs, interest, or monthly interest exceeding $100.

 is a single premium, fixed annuity product that provides a guaranteed interest rate over a 5-year period. With a high initial yield of 6.00% (including bonus), it is intended for clients looking for safe, stable growth and deferring taxes on interest earnings. It is ideal for individuals who do not anticipate needing to access their funds within the first 5 years, as surrender charges and market value adjustments apply.

This annuity offers a guaranteed 5-year interest rate period with a minimum guaranteed rate for policyholders issued in 2025. It allows use with qualified or non-qualified funds, excluding 403(b) or SIMPLE IRAs. Policies can be issued up to age 90 for both annuitant and owner. Surrender charges apply for the first 5 years, with limited penalty-free withdrawals under certain conditions. The death benefit equals the accumulated value.

 is a single premium, multi-year guaranteed annuity product offering a fixed interest rate over a 5-year period. Designed for individuals looking for stability and predictable growth, it features competitive initial interest rates and a surrender charge schedule with market value adjustment (MVA). It is most suitable for clients not needing early liquidity, but who value interest rate protection and capital preservation.

Surrender charges are structured by year and product type. For example, Bankers 5 Premier Plus includes charges of 8.1%, 7.3%, 6.4%, 5.5%, and 4.5% in years 1 through 5, respectively, with no charge thereafter. An MVA applies during the surrender charge period. Charges vary depending on the selected product version and the age of the annuitant, with higher charges generally for younger ages and longer term.

Health Waiver Benefits: Nursing Home Benefit, Terminal Illness Benefit, Total Disability Benefit, Home Health Care Benefit. 1st Year 10% of Accumulated Value, thereafter 50%. Available on Qualified & Non-Qualified policies.

Required Minimum Distributions (RMDs) or Accumulated Interest or Monthly Interest if over $100.

The Bankers CA contracts are available to both qualified and non-qualified funds, with exclusions for SIMPLE IRAs and 403(b)s. Policies are issued up to age 90 (varying slightly by version), and premium submissions exceeding $1,000,000 require company pre-approval. These annuities include a Market Value Adjustment (MVA) provision and are designed with surrender charges that decrease over time. Upon death of the annuitant or owner, the policy pays out the Accumulated Value.

At the end of each Guarantee Period, the contract may be renewed for any Interest Rate Guarantee Period currently being offered at the time the renewal election is made, provided that the new Rate Guarantee Period does not extend past the attained age of 95.

Equals Accumulated Value minus applicable surrender charges and market value adjustment (MVA), if any.

 series offers single premium only, multi-year guarantee annuities designed for clients in California. These products provide guaranteed interest rates for set durations (3, 5, 7, or 9 years) and are best suited for individuals seeking enhanced rates with minimal need for liquidity during the guarantee period. Upon completion of the guarantee period, contracts can be renewed with available options without incurring new surrender charges.

Surrender charges apply to withdrawals during the guarantee period that exceed RMDs. These charges start high and decline each year based on your selected term, eventually reaching 0%. A Market Value Adjustment (MVA) may also apply, depending on interest rate changes at the time of withdrawal. Once the guarantee period ends, the contract becomes 100% liquid. No automatic extension of surrender charges applies. Policyholders can renew for a new term, transfer to another annuity product, or take full withdrawals without penalty.

Death Benefit equals Accumulation Value for policies issued at all ages in California.

Qualified or Non-Qualified (not available as 403(b) or SIMPLE IRA). Qualified only in CO, ME, SD & WY.

This annuity requires a minimum premium of $10,000 and offers competitive fixed rates locked in for your chosen term. It features no annual fees and no front-end loads. While penalty-free withdrawals are limited to Required Minimum Distributions (RMDs) during the contract term, the product becomes 100% liquid at maturity with no automatic renewal of surrender charges. After the term ends, you may renew for another guarantee period, withdraw your funds, or roll into another annuity. It is available exclusively in California and is suitable for individuals who do not anticipate needing access to their funds during the initial term.

At the end of the guarantee period, the contract becomes fully liquid. You may:

Accumulated Value minus any applicable surrender charges and Market Value Adjustment (MVA).

 is a single premium, multi-year guaranteed annuity (MYGA) designed to provide conservative growth through guaranteed interest rates of up to 5.25% for terms of 3, 5, 7, or 9 years. Issued by Liberty Bankers Life and Capitol Life Insurance Companies, this annuity is a solid choice for Californians seeking principal protection, tax-deferred accumulation, and dependable returns without market risk. It is especially attractive to those who can commit to the full term length without needing early liquidity.

Surrender charges apply during the initial guarantee period if withdrawals exceed the allowable limits, such as Required Minimum Distributions (RMDs). The Heritage Elite annuity does not allow any penalty-free withdrawals during the surrender charge period, except for RMDs after the first policy year. Withdrawals in excess of RMDs will be subject to declining surrender charges that vary by the length of the selected term, along with a Market Value Adjustment (MVA) where applicable. Once the guarantee period ends, the contract becomes fully liquid with no new surrender charges, and you may renew the policy or access your funds without penalty. Renewals are allowed within the Heritage Elite product line, provided they do not extend past the annuitant’s age 95.

No penalty-free withdrawals during the surrender charge period, except Required Minimum Distributions (RMDs)after the first policy year.

NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA (not available as 401(k), 403(b), or SIMPLE IRA).

The Heritage Elite annuity allows you to grow your retirement assets without market risk. After the selected guarantee period ends, the policyholder may renew for another term or choose other options without facing new surrender charges. It is available for both qualified and non-qualified funds, with varying issue age limits depending on the term selected. Health waiver benefits are not included.

At the end of each Guarantee Period, the contract may be renewed for any interest rate guarantee period currently offered, as long as the new term doesn’t extend past attained age 95. Renewals must remain within the Heritage Elite product line.

Accumulated Value minus applicable surrender charges and any Market Value Adjustment (MVA) during the surrender period.

is a single premium, multi-year guaranteed annuity (MYGA) designed to offer secure, tax-deferred growth through a fixed interest rate over a selected guarantee period. With no penalty-free withdrawals during the term (except RMDs), this annuity is best suited for individuals who do not need liquidity during the initial period and who value full control and access after surrender charges expire.

For Heritage Classic, surrender charges vary by term and decrease annually, ending at year 3 for the 3-year product and at year 9 for the 9-year product. For example, the 5-year term includes charges of 8.0%, 7.0%, 6.0%, 5.0%, and 4.5%, with 0% afterward. Withdrawals beyond the allowed 10% annual free withdrawal (after the first year) are subject to these charges along with a Market Value Adjustment (MVA) during the surrender charge period.

The health waiver benefits act similarly to built-in riders.

Nursing Home Benefit, Terminal Illness Benefit, Disability, Home Health Care Benefit.

(1st Year up to 10% accumulated value, thereafter up to 50%).

After the first contract year, you may withdraw up to 10% of the accumulated value as of the last contract anniversary date. Withdrawals in excess of the penalty-free amount are subject to Surrender Charges and MVA.

Heritage Classic offers flexibility through penalty-free withdrawals of up to 10% of the accumulated value after the first contract year and includes several health-related waiver benefits. It is structured to renew at the end of the chosen guarantee period, as long as the renewal doesn’t surpass age 95, and offers use with both qualified and non-qualified funds in most states (except CA & NY).

At the end of each Guarantee Period, the contract may be renewed for any Interest Rate Guarantee Period currently being offered, provided the new period does not extend past attained age 95. Renewals must be within the Heritage Classic products.

Withdrawals in excess of the penalty-free amount are subject to surrender charges and market value adjustment.

 is a single premium, multi-year guaranteed annuity (MYGA) designed to offer reliable growth and access to funds. It provides a fixed interest rate for a selected guarantee period of 3, 5, 7, or 9 years. This product is suitable for individuals seeking greater liquidity options and health-based withdrawal benefits while maintaining stable, long-term accumulation.

Starts at 8.2%, decreasing annually to 0% over the term.

 Nursing Home, Terminal Illness, Disability, Home Health Care.

 Interest withdrawals allowed after 30 days ($100 min).

Terms available for 3, 5, 7, and 9 years. Offers systematic withdrawals of interest after 30 days.

Accumulated Value minus surrender charge and MVA.

A MYGA product that emphasizes a higher first-year interest rate followed by lower guaranteed rates, suitable for maximizing early interest earnings.

Liberty Bankers – Bankers 5 Premier Plus CA (3-, 5-, 7-, 9-year terms)

Liberty Bankers – Bankers 5 Premier CA (3-, 5-, 7-, 9-year terms)

Liberty Bankers – Bankers CA (3-, 5-, 7-, 9-year terms)

Liberty Bankers – Bankers Elite CA (3-, 5-, 7-, 9-year terms)

Liberty Bankers – Heritage Elite (3-, 5-, 7-, 9-year terms)

Liberty Bankers – Heritage Classic (3-, 5-, 7-, 9-year terms)

Liberty Bankers – Heritage Premier Plus (3-, 5-, 7-, 9-year terms)