Simulation & Edit Mode
Active Product: S.USA Select Choice Plus MYGA – Base + Return of Premium Rider (Option 2)
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.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 4.55% |
| 5 Years | 4.70% |
| 7 Years | 4.75% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $2,000.00 - $99,999.00 | 4.30% |
| $100,000.00 - $1,000,000.00 | 4.55% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 4.75% |
| Age | 55 - 62 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
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