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Surrender charges apply when withdrawals exceed the 10% annual free provision during the 9-year surrender period. These charges decline each contract year and are applied as a percentage of the withdrawal amount. They ensure the carrier can support the guaranteed interest rate structure. After year 9, all withdrawals and full surrenders may be taken without penalty. Surrender charges do not apply to death benefit payouts and may be waived for qualifying exceptions as defined by state law and contract provisions.

No optional riders are listed by PFA for this product. All features are built into the base contract.

None. There are no administrative fees or maintenance charges associated with this contract. Surrender charges apply to withdrawals exceeding the 10% annual penalty-free allowance during the 9-year surrender period.

Upon the death of the owner, the full account value is paid to the beneficiary without any surrender charges. Settlement options may be available depending on state requirements and carrier provisions.

The Starter Annuity provides a low minimum premium, guaranteed fixed interest, 10% free withdrawals annually, tax-deferred growth, no market exposure, and full principal protection. With no administrative fees and a long-term guarantee structure, it supports conservative growth and flexible access during the accumulation phase.

up to 10% of the account value per contract year

 to be withdrawn without penalty. Withdrawals in excess of this amount may be subject to surrender charges. Free withdrawal privileges continue for the duration of the surrender period.

Withdrawals exceeding the 10% annual free provision will incur surrender charges. IRS penalties may apply to taxable withdrawals taken before age 59½. Withdrawals reduce the account value and future potential interest accumulation.

, Traditional IRA, and Roth IRA contributions unless restricted by state rules.

This contract accepts an initial premium and begins crediting a fixed rate immediately. The interest rate is guaranteed for the initial period but may be reset annually thereafter, never falling below the carrier’s stated minimum guaranteed interest rate. The plan supports ongoing growth through annual compounding and offers penalty-free access to up to 10% of the account value each year. Early withdrawals in excess of this free amount may be subject to surrender charges. At the end of the 9-year surrender period, the annuity may be surrendered with no penalty or continued at the then-applicable renewal rate.

After the 9-year surrender period, the contract may be surrendered without penalty or renewed at the then-current renewal rate. Renewal rates are declared annually.

The surrender value equals the account value minus applicable surrender charges. The contract always pays at least the Minimum Guaranteed Surrender Value in compliance with state nonforfeiture regulations.

 is a long-term, fixed-rate deferred annuity designed for individuals beginning to save or building modest balances over time. It offers a guaranteed interest rate, low minimum premium, tax-deferred accumulation, and no exposure to market losses. With its 9-year surrender period and support for smaller contribution amounts, the Starter Annuity provides an accessible path to long-term conservative growth backed by Polish Falcons of America.

Surrender charges apply to withdrawals of principal made during the guarantee period. These charges decline each year but remain in effect until the end of the term. The charge is applied as a percentage of the amount withdrawn and protects the guaranteed interest structure offered by the carrier. Once the term ends, a 30-day window allows full penalty-free surrender. Surrender charges do not apply to death benefit payouts and may be waived under qualifying conditions unless restricted by state law.

The Withdrawal Rider allows the owner to receive periodic interest withdrawals rather than having interest accumulate in the policy. Interest must be withdrawn as credited and cannot exceed the current period’s credited amount. The rider does not permit systematic withdrawals of principal.

None. There are no administrative or policy fees. Surrender charges may apply to withdrawals that access principal before the end of the guarantee period.

The death benefit equals the full account value and is payable without surrender charges. Beneficiaries may elect a lump-sum payout or an available settlement option.

The product guarantees fixed interest for the full term, offers tax-deferred growth, provides market-loss protection, waives charges on death, and includes the ability to withdraw interest through the rider. Principal remains fully guaranteed throughout the duration of the contract.

No free withdrawals of principal are included. Any principal withdrawal during the term will typically incur a surrender charge. 

The Withdrawal Rider permits periodic interest withdrawals as credited. Withdrawals exceeding available interest or withdrawals of principal may be subject to surrender charges. IRS penalties may apply to taxable withdrawals prior to age 59½.

, Traditional IRA, Roth IRA, and SEP IRA funding unless restricted by state rules.

The contract begins crediting a fixed rate immediately upon issue and guarantees that rate for the full 2-year or 3-year term selected. Premiums cannot be added after issue. Under the Withdrawal Rider, the owner may elect periodic interest withdrawals, subject to rider provisions, without disturbing principal. Any withdrawal of principal during the term may be subject to surrender charges. At the end of the term, the owner has a 30-day penalty-free window to surrender or renew the contract at updated rates.

At the end of the guarantee period, the contract may be surrendered without penalty or renewed for a new term at then-current renewal rates.

The surrender value equals the account value minus any applicable surrender charges. The contract never pays less than the Minimum Guaranteed Surrender Value required by state nonforfeiture rules.

Safeguard CD Annuity with the Withdrawal Rider

 is a single premium, fixed-rate annuity that guarantees interest for 

 while allowing limited access to interest through periodic withdrawals. This version maintains the same short-term CD-style structure as the base product but includes an option to receive interest withdrawals rather than having all interest compound. Principal is fully protected, accumulation is tax-deferred, and administrative fees do not apply.

Surrender charges apply to withdrawals made before the end of the selected guarantee period. These charges are designed to protect the insurer from early termination and help support the guaranteed interest rate offered under the contract. The charge is applied as a percentage of the amount withdrawn and decreases each policy year until it reaches zero. Once the guarantee term ends, the contract may be surrendered without penalty during the 30-day window. Surrender charges do not apply to death benefit payouts and may be waived under qualifying exceptions if listed in the contract.

, which retains all credited interest inside the contract and does not permit systematic withdrawals. No optional riders are listed by PFA.

None, there are no administrative or contract fees. Surrender charges apply only when withdrawals exceed any permitted provisions during the term.

Upon the death of the owner, the beneficiary receives the full account value. Death claims are not subject to surrender charges and may be paid as a lump sum or under an available settlement option.

This product provides guaranteed interest for the full term, compounding growth, tax-deferred accumulation, strong principal protection, no market risk, and no administrative fees. Interest remains in the policy and compounds, maximizing accumulation value over the short-term period.

The Accumulated Interest version does not provide any free withdrawal allowances. Any withdrawal before the end of the term is subject to the surrender charge schedule.

, including Traditional IRA, Roth IRA, and SEP IRA, unless otherwise limited by state regulations.

This annuity accepts a single premium and immediately begins crediting a fixed rate for the entire term selected. The premium and rate remain locked for the duration of the 2-year or 3-year guarantee period. No additional premiums can be added after issue. The Accumulated Interest structure does not allow scheduled interest withdrawals; instead, all interest remains in the contract and compounds until maturity or surrender. Early withdrawals during the term may be subject to surrender charges and possible IRS penalties. At the end of the term, a penalty-free 30-day window allows full surrender or renewal at then-current rates.

At the end of the 2-year or 3-year term, the contract may renew at the current renewal rate or be fully surrendered with no penalty during the 30-day window.

The surrender value equals the account value minus any applicable surrender charges. The contract always pays no less than the Minimum Guaranteed Surrender Value required by state nonforfeiture regulations.

 offers a guaranteed fixed interest rate for a chosen period of 2 or 3 years, and the interest rate does not change during that time. The product requires a one-time deposit, does not allow additional contributions during the accumulation period, and applies surrender charges if funds are withdrawn prior to maturity.

Polish Falcons of America – Starter Annuity (9-Year Term)

Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)

Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Accumulated Interest)