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Surrender charges apply to withdrawals above the free withdrawal amount during the surrender charge period and are calculated as a percentage of the Account Value. The rate declines over time depending on the guarantee period selected. For example, the 5-Year option has surrender charges of 9%, 8%, 7%, 6%, and 5% respectively by contract year. No surrender charge or MVA applies to funds allocated to the Annual Interest Renewal Account or if qualified under a waiver for terminal illness or nursing home confinement. MVA may also apply depending on interest rate movements at the time of withdrawal. Florida contracts have specific restrictions limiting allocation to a maximum of two successive Guarantee Periods totaling no more than 10 years.

Waivers function similarly to built-in riders.

100% of Account Value, less applicable premium tax.

Includes waivers for Terminal Illness and Nursing Home confinement after the 3rd Contract Year (after year 1 in PA, TX; year 0 in CT). Not available in CA or NJ for terminal illness; not available in CA or MA for nursing home.

After the 1st Contract Year, up to 10% of the Account Value may be withdrawn annually without surrender charge or MVA

IRA, Roth IRA, SEP-IRA rollover, 403(b) rollover, and non-qualified.

The Advanced Choice annuity contract is issued as a single premium product, meaning only one initial premium is permitted. It can be purchased as a qualified or non-qualified plan, including IRA, Roth IRA, SEP-IRA, or 403(b) rollover. After the end of each selected guarantee period, clients are provided a 30-day window during which they may reallocate funds to a new term, make withdrawals, or roll over into the Annual Interest Renewal Account. The policy includes a Market Value Adjustment (MVA) for early withdrawals, a standard death benefit equal to the full account value, and waivers for qualifying health events. Product availability and certain features may vary by state.

30-day Window Period provided at the end of the Guarantee Period. If no action is taken, the Account Value is transferred to the 1-year Annual Interest Renewal Account at a declared interest rate.

Account Value minus applicable surrender charges and MVA, unless a waiver applies.

The Security Benefit Advanced Choice Annuity is a single premium deferred fixed annuity designed to provide guaranteed growth over a chosen term, while allowing for flexible access to funds and protection from market volatility. This annuity is available in 3-, 5-, and 7-year rate-to-term options, where the surrender period matches the length of the interest guarantee. Clients can choose the period that best aligns with their financial goals. Advanced Choice offers a Guaranteed Minimum Interest Rate (GMIR), potential for an interest rate bonus on larger contracts, and optional waivers for terminal illness and nursing home confinement. It is suited for conservative investors seeking predictable returns and partial liquidity without market exposure.