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Surrender charges apply as a declining percentage over a 5-year period: 9%, 9%, 8%, 7%, 6%, 0%. These charges reduce the withdrawal amount if the contract is surrendered early, excluding specific waivers like death or medical facility confinement. The surrender charge schedule helps discourage early withdrawal while aligning with the product’s long-term accumulation strategy.

Full Account Value no Surrender Charges applied.

50% free withdrawal after year 1 as Medical Facility Waiver.

Available for Traditional, Roth, and Inherited IRA accounts, as well as personal savings.

This annuity provides a guaranteed interest rate for a 5-year term, access to interest-only and partial withdrawals, and flexible ownership options including individuals, spouses, trusts, and entities. It offers non-MVA protection, waiver benefits under specific conditions, and a full account value death benefit, all issued under contract ICC23-NMVA357.

-Year Guaranteed Annuity is a single premium, deferred, fixed multi-year guaranteed annuity designed to offer safe accumulation and peace of mind through a competitive 5-year fixed interest rate. With liquidity features and death benefit guarantees, the product appeals to individuals seeking predictable returns, preservation of capital, and estate planning solutions within a tax-deferred vehicle.

Stellar Security® 5