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Withdrawals above the Free Withdrawal Amount and full surrenders made during the initial Guarantee Period will be subject to a surrender charge and a Market Value Adjustment (MVA). These charges and adjustments may reduce previously credited interest and may reduce principal. During the 30-day Window Period following the end of the Guarantee Period, you may withdraw or surrender without a surrender charge or MVA. Surrender charges and MVA are also waived upon the owner’s death.

The death benefit is equal to the Contract Value as of the date of death. No MVA or surrender charge will apply.

An annual percentage of your Contract Value that you elect on your application.” RMD after first calendar year is treated as free (one RMD per contract year).

Single-premium individual deferred annuity; available for Non-Qualified and IRA (RMD references). 

You purchase the annuity with a single premium; interest is credited daily at a Guaranteed Interest Rate for the 5-year Guarantee Period, and at all times the contract credits at least a Minimum Guaranteed Interest Rate (MGIR). A Market Value Adjustment (positive or negative) and surrender charges can apply to withdrawals except during the 30-day window after the end of a Guarantee Period; within that window you may withdraw/surrender without MVA or surrender charge, renew to a new period, or keep the same period if available.  

ou will be notified of available Guarantee Periods and rates at least 30 days prior to each anniversary; you have a 30-day window after the period ends to renew, choose a new period, or withdraw/surrender without MVA or surrender charge. If you do nothing, the contract renews to the same period if available; otherwise to the next longest ending before the Maximum Contract Maturity Date.

Cash Surrender Value is the amount you will receive if you surrender your contract. The amount is equal to your Contract Value, plus or minus the Market Value Adjustment, less any applicable surrender charges and taxes.

 is a single premium individual annuity with Market Value Adjustment… [It] has a 5-year initial Guarantee Period and surrender charge schedule.

Nassau MYAnnuity 5X (NY) 10% Free Withdrawal

Nassau MYAnnuity 5X (NY)