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The Guaranty 6 Annuity With Market Value Adjustment (MVA)

Annuity Glossary
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The Guaranty 6 Annuity with Market Value Adjustment Provision is a consumer-oriented Single Premium Deferred Annuity that is an attractive alternative to CDs and other taxable investments. The Guaranty 6 Annuity offers a 6 year interest rate declared monthly on new issues, and that rate is guaranteed for the full six years!

Beginning on the first day of the seventh policy year, your annuity will earn a portfolio interest rate, which may go up or down, but will never be less than the policy’s minimum guaranteed rate. The minimum guaranteed rate for all 2012 contracts throughout the life of the policy is 1.00% *.

There are no front end sales charges or annual fees, so 100% of your money works for you!

The Guaranty 6 Annuity gives you a multitude of flexible features to fit your personal needs.

Annuity Features

  • Liquidity
    • Your interest earnings are available when you need them. You may withdraw 100% of your interest earnings free of all charges, subject to a $100 minimum. If you desire we will make a monthly deposit directly into your bank account. Withdrawal of principal is subject to charges and a Market Value Adjustment in the first six policy years. You should not purchase this annuity if you may need to surrender it during the first six policy years.
  • Payout option
    • You may elect to annuitize at any time with a wide range of options from which to choose. Surrender charges are waived if you elect a payout option of five years or longer.
  • Death Benefits
    • The full account value will be paid to your designated beneficiary at the Owner’s death, without deduction of any charges or fees.
Approved States
AL AR AZ CA CO FL GA IA IL IN KS KY
LA MI MO MS MT NC ND NE NM NV OH OK
OR SC TN TX UT WA WY          

* Based on the 5 Year Constant Maturity Treasury (CMT) Rate reported by the Federal Reserve as of the last business day of the prior year. The minimum guaranteed rate will never be less than 1% or more than 3%.

All policies must be approved by the State Insurance Department or appropriate regulatory authority in the applicant's resident state.

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