What is the minimum guaranteed surrender value for S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)?

This fixed multi-year guaranteed annuity offers guaranteed interest rates for 3-, 5-, or 7-year terms, with automatic renewal unless surrendered during a 30-day window. The Return of Premium (ROP) rider guarantees the full return of at least initial contribution if the contract is fully surrendered.

What is the minimum premium amount for S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)?

The minimum premium amount is $2,000.

What is the maximum issue age for S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)?

The maximum issue age is 85 years.

What is the current interest rate for S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)?

The current interest rate is 4.3%.

What is the surrender charge schedule for S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)?

Withdrawals during the guarantee period are subject to a declining surrender charge schedule unless qualifying under RMD provisions, the final 30-day window, or the ROP benefit. Charges begin at 9% in year 1 and reduce annually depending on the term. Full surrender at any time is allowed under the Return of Premium rider, which guarantees a refund of the initial premium minus prior withdrawals and applicable taxes. A Market Value Adjustment (MVA) may apply to non-qualified withdrawals exceeding the allowable amount, unless covered by rider provisions.

What are the best rates available for S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)?

The best available rate is 4.75% for a 7 year term.

S.USA Life Insurance Company, Inc.

S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)

About this product

S.USA Select Choice Plus MYGA – Option 2 adds a Return of Premium (ROP) rider to the base Select Choice Plus annuity, providing guaranteed access to at least the full initial premium in the event of a full contract surrender. This configuration is designed for conservative investors who prioritize refund flexibility alongside competitive fixed interest rates. With the ROP rider, policyholders can recover their original investment (less prior withdrawals and premium taxes) at any time, providing peace of mind and exit flexibility.

Available Rates

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

3 Years	4.55%
5 Years	4.70%
7 Years	4.75%

Available Guarantee Periods

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

$2,000.00 - $99,999.00	4.3%
$100,000.00 - $1,000,000.00	4.55%

Features
Maximum Issue Age	85 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