What is the minimum guaranteed surrender value for Stellar Security® 5?

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.

What is the minimum premium amount for Stellar Security® 5?

The minimum premium amount is $5,000.

What is the maximum issue age for Stellar Security® 5?

The maximum issue age is 90 years.

What is the current interest rate for Stellar Security® 5?

The current interest rate is 3.95%.

What is the surrender charge schedule for Stellar Security® 5?

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.

What are the best rates available for Stellar Security® 5?

The best available rate is 3.95% for a 5 year term.

Stellar National Life

Stellar Security® 5

About this product

The Stellar Security® 5-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.

Available Rates

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

5 Years

3.95%

Available Guarantee Periods

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

$5,000.00 - $1,000,000.00

3.95%

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