What is the minimum guaranteed surrender value for Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)?

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.

What is the minimum premium amount for Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)?

The minimum premium amount is $5,000.

What is the maximum issue age for Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)?

The maximum issue age is 90 years.

What is the current interest rate for Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)?

The current interest rate is 5%.

What is the surrender charge schedule for Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)?

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 The charge is applied as a percentage of the amount withdrawn and protects the guaranteed interest structure offered by the carrier.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.

What are the best rates available for Polish Falcons of America – Safeguard CD Annuity (2- & 3-Year Terms, Withdrawal Rider)?

The best available rate is 5.50% for a 3 year term.

Polish Falcons of America

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

About this product

The Safeguard CD Annuity with the Withdrawal Rider is a single premium, fixed-rate annuity that guarantees interest for 2 and 3 year terms 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

2 Years	5.00%
3 Years	5.50%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$5,000.00 - $100,000.00

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage