Foundations Annuity
Security Benefit Life
10%
Best Cap
10%
Free W/D
50
States
Foundations Annuity is a fixed index annuity that lets risk-averse clients participate in index market gains while protecting their principal from all losses. It's designed for people seeking growth without market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Morningstar Wide Moat Focus Barclays VC 7% Index ER | 2-Year | -- | 220% | -- |
| Morningstar Wide Moat Focus Barclays VC 7% Index ER | Annual | -- | 165% | -- |
| MSCI EAFE Index | Annual | 10% | 100% | -- |
| Nasdaq-100 Index | Annual | 10% | 100% | -- |
| Russell 2000 Index | Annual | 10% | 100% | -- |
| S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER | 2-Year | -- | 190% | -- |
| S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER | Annual | -- | 130% | -- |
| S&P 500 Index | Annual | 9.75% | 100% | -- |
| S&P 500 Index | Monthly | 10% | 100% | -- |
| S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index | 2-Year | -- | 100% | -- |
| S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index | Annual | -- | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 275% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 200% | -- |
| Fixed Account | Daily | -- | -- | 4.75% |
Key Features
Market Protection
100% downside protectionPrincipal is fully protected from market losses while still earning credits based on index performance
First-Year Bonus
1%Additional credits applied to your initial purchase payment
Free Withdrawals
10% of account valueAnnual penalty-free withdrawal available after first contract anniversary during surrender charge period
Index Options
7 index accounts + 1 fixed accountSeven different index account strategies plus one fixed account for diversification
Principal Preservation
100% guaranteedYour initial investment is guaranteed to never decrease due to market performance
Highlights
Earn a portion of stock market gains while being completely protected from market losses
1% bonus on first-year contributions plus 10% free annual withdrawals during surrender period
Seven different index strategies plus a fixed account option for flexible diversification
Potentially higher returns than CDs and bonds with the same safety guarantees
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Risk-averse clients seeking accumulation and growth without exposure to market downturns, particularly those comparing CDs and bonds.
Consider Alternatives If
Clients seeking maximum market upside without any caps or limitations, or those needing immediate access to their full account value.
Carrier Ratings
Free Comparison Report
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See year-by-year projections for your specific age, premium, and income goals.
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