What is the minimum guaranteed surrender value for Polish Falcons of America – Starter Annuity (9-Year Term)?

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.

What is the minimum premium amount for Polish Falcons of America – Starter Annuity (9-Year Term)?

The minimum premium amount is $500.

What is the maximum issue age for Polish Falcons of America – Starter Annuity (9-Year Term)?

The maximum issue age is 90 years.

What is the current interest rate for Polish Falcons of America – Starter Annuity (9-Year Term)?

The current interest rate is 3%.

What is the surrender charge schedule for Polish Falcons of America – Starter Annuity (9-Year Term)?

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.

What are the best rates available for Polish Falcons of America – Starter Annuity (9-Year Term)?

The best available rate is 3.00% for a 9 year term.

Polish Falcons of America

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

About this product

The Starter Annuity 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.

Available Rates

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

9 Years

3.00%

Available Guarantee Periods

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

$500.00 - $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