Agents

  • Personal Choice Annuity
  • Effective 07/09/2018

    All Other CA, FL MN
    5 Year (Rate) 4.00% 3.90% 3.70%
    7 Year (Rate) 4.10% 4.00% 3.80%
    10 Year (Rate) 4.20% 4.10% 3.70%

    Minnesota contracts do not include Market Value Adjustments (MVA). All Annuitants 86-90 are required to purchase Death Benefit Rider in all states except Florida where it is an included feature. Nursing Home Rider/Terminal Illness Rider Not Available in California, Florida, and Pennsylvania. Pennsylvania plans are known as Choice Annuity.

  • Personal Choice Plus+
  • Effective 04/23/2018

    All Other CA, FL
    5 Year Fixed (Rate) 3.40% 3.30%
    Annual Point-to-Point Cap 6.25% 6.25%
    Monthly Averaging Cap 7.00% 7.00%
    Monthly Sum Cap 2.25% 2.25%

    *Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Special introductory cap in the state of Florida All Annuitants 86-90 are required to purchase Death Benefit Rider in all states except Florida ** Rates vary state and may change at anytime. Please consult an agent for more details.

  • Summit Bonus Index
  • Effective 07/22/2019

    Premium Bonus 7.00%
    Additional Premium Bonus with GLWB 1.00%
    Fixed Account 1.95%
    Annual Point-to-Point Cap 4.00%
    Monthly Averaging Cap 4.50%
    Daily Averaging Cap 4.50%
    Monthly Sum Cap 1.60%
    Income Rider (GLWB) Charge 1.05%

    Interest rates as of 07/22/2019 and are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Summit Bonus IndexSM has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction.

  • Guaranteed Income Annuity
  • Effective 4/15/2019

    10 Year
    Premium Bonus GLWB Rider:8.00%
    Legacy Rider:10.00% for issue ages under 76
    8.00% for issue ages 76-80
    3.00% for issue ages 81-85
    Accum Rider:10.00% for issue ages under 76
    8.00% for issue ages 76-80
    6.00% for issue ages 81-85
    1st Year Rate 1.65% (with subsequent purchase premium)
    Current Rate Guarantee 2 Yrs
    Index/Benchmark LIBOR
    Optional Riders and Cost GLWB Rider
    1.25%fee years 1-5, 1.60% fee 6-10 (10 year contract)

    Legacy Benefit Rider
    1.25% fee years 1-5, 1.60% fee years 6-10 (10 year contract)

    Accumulation Rider
    No Fee
  • S&P 500®/Goldman Sachs Motif Aging ofAmerica Dynamic Balance Index
  • Effective 02/01/2019

    Fixed Rate
    1st Year Rate 2.00%
    Current Rate Guarantee 1 Yr
    Goldman Sachs Motif
    Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
    1-year with point-to-point participation rate 58.50% 117.00% 58.50%
    3-year with point-to-point participation rate 100.00% 200.00% 100.00%
    S&P 500®
    Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
    1-year with point-to-point participation rate 40.00% 53.00% 40.00%
    1-year with point-to-point caps 6.00% 8.50% 6.00%
    Rider Fees
    Surrender Periods 5 Year 7 Year 10 Year
    Growth Rider 1.25% 1.25% 1.25%
    Income Multiplier 0.95% 0.95% 0.95%

    This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed index annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Motif Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Motif Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Motif Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. The Goldman Sachs Motif Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. “Motif” is a registered trademark of Motif Investing, Inc. (“Motif Investing”) and has been licensed for use by Motif Capital Management Inc. (“Motif Capital”) and sublicensed for certain purposes by Goldman Sachs. The Index and the FIA is not sponsored, endorsed, sold or promoted by Motif Investing, Motif Capital or their respective affiliates or make any representation regarding the advisability of investing in the Index or the FIA. Motif Capital’s only relationship to Goldman Sachs with respect to the Index is the licensing of the Motif trademark. MOTIF CAPITAL DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. MOTIF CAPITAL SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. MOTIF CAPITAL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY INVESTOR’S IN THE INDEX OR FIA, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL MOTIF CAPITAL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.

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