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A surrender charge applies only to amounts in excess of the free withdrawal and decreases based on the number of years that have elapsed since the premium payment was received. The surrender charge will vary based on the year and corresponding percentage of the amount withdrawn. For example, in a 10-year contract, charges start at 9% and reduce to 0.5% in year 10. The product also includes Market Value Adjustment (MVA), which can affect the surrender value based on interest rate changes but will never result in less than the Guaranteed Minimum Cash Surrender Value 

A surrender charge applies only to amounts in excess of the free withdrawal and decreases based on the number of years that have elapsed since the premium payment was received. The surrender charge will vary based on the year and corresponding percentage of the amount withdrawn. For example, in a 10-year contract, charges start at 9% and reduce to 0.5% in year 10. The product also includes Market Value Adjustment (MVA), which can affect the surrender value based on interest rate changes but will never result in less than the Guaranteed Minimum Cash Surrender Value.

RMD Free Withdrawal” and “10% Free Withdrawal Rider” (may reduce crediting rates).

In the unfortunate event of your passing, your beneficiaries receive the full contract value.

Waivers available for confinement in a qualified facility, terminal illness, or death.

After the first contract year… the Company will waive the Surrender Charge and any Market Value Adjustment on the first partial withdrawal. Waiver is limited to once per Contract Year and may not exceed 5% of the Accumulation Value as of the last Contract Anniversary.

Tax-qualified plans offered with this product include IRA rollovers and transfers, including Roth IRAs.

Secure Summit allows policyholders to select from multiple income options including life income and period certain options. It offers penalty-free access under specific conditions and includes optional riders for enhanced flexibility. The policy protects principal and interest from market fluctuations and enables beneficiaries to receive the full contract value upon the owner’s death, without surrender charges or market value adjustments.

At the end of the renewal period, you will automatically be rolled into a contract of the same term and guarantee period with a new rate. During the first 30 days of the renewal period, you may take a partial or full surrender without being subject to a surrender charge or Market Value Adjustment (MVA).

 Includes MVA. “Under no circumstances will the MVA result in an amount less than the Guaranteed Minimum Cash Surrender Value referenced in the contract schedule.

 is a single premium, tax-deferred, fixed annuity designed to help clients reach retirement goals while protecting against market downturns and declining interest rates. It offers guaranteed interest rates for fixed periods of 2, 3, 5, 7, or 10 years, with tax-deferred growth and estate planning benefits. The product ensures flexibility at renewal and provides a guaranteed income stream along with full value death benefits.

Mountain Life – Secure Summit (2-, 3-, 5-, 7- and 10-year terms)