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Surrender charges apply if a withdrawal exceeds 10% of account value during the penalty period. Charges are waived during the 30 days following the end of the guaranteed rate period. A market value adjustment (MVA) also applies to amounts withdrawn early, unless waived by a qualifying rider such as nursing home confinement. Rider election is required for any waiver. Charges vary by product and contract year.

Nursing Home Waiver, Free Partial Withdrawal Rider, Death Benefit Rider—all optional and add rider charges (15–30 bps depending on rider).

Beneficiary receives the surrender value or accumulated value (FL: Does not apply; CA: Does not apply to ages 65 and older).

Waiver of surrender charge under Nursing Home Rider after 90-day confinement, Available in all except SD and CA.

Owner can withdraw up to 10% of the accumulated value each contract year (available after the 1-year Penalty Free Waiting Period).

Single premium deferred annuity with a guaranteed interest rate.

The policy provides a fixed rate of return for a set term and permits annual withdrawals up to 10% of the account value after year one without penalties. It includes provisions for annuitization, beneficiary protection via death benefit, and waiver of surrender charges under specific conditions such as long-term care needs. The policy is issued by The Ohio State Life Insurance Company and is subject to regulatory variations and home office approval for higher premiums or advanced ages.

Withdrawal charges will be waived during the 30 days following the end of each guaranteed period.

Equals the accumulated value minus any applicable surrender charges and market value adjustment (MVA).

 MYGA products are single premium deferred annuities offering guaranteed interest rates over 3-, 5-, 7-, and 10-year terms, respectively. Designed for conservative investors seeking stable, tax-deferred growth, each product guarantees principal protection and predictable accumulation. The annuities provide flexible access through optional riders such as the Free Withdrawal Rider and the Nursing Home Waiver, and include a built-in death benefit feature to support estate and succession planning.

NexAnnuity Nex3, Nex5, Nex7, Nex10 MYGA