Personal Choice Plus+ Annuity

As the length of retirement increases, so does the need for a retirement solution that will help you enjoy this time in your life – the Personal Choice Plus+ Annuity gives you the power, options, and benefits you want. Personal Choice Plus+ Annuity offers you four interest crediting methods to choose from, giving you the power to choose how you want your investments to grow.
  • Fixed Interest Rate: Initial rate guaranteed for 5 years.
  • Annual Point to Point: Closest you can get to investing directly in the market without exposure to market losses.
  • Monthly Averaging: Potential to yield higher earnings when there are market increases.
  • Monthly Sum: This option offers the opportunity to earn the highest interest.
Our interest rates for Annual Point to Point, Monthly Averaging, and Monthly Sum are based on the S&P 500®. This is the best way to reap the benefits of the market with no risk.
With flexibility in settlement options and four optional riders, Personal Choice Plus+ Annuity offers you a custom solution to fuel your retirement.

Personal Choice Plus+ Rates

Effective 02/22/2021
All OtherCA, FL
5 Year Fixed (Rate)2.70%2.60%
Annual Point-to-Point Cap4.10%4.10%
Monthly Averaging Cap4.20%4.20%
Monthly Sum Cap1.75%1.75%
Optional Riders and Cost
Required Minimum Distribution0.16% fee
Preferred 10% Free Withdrawal0.08% fee
Death Benefit Feature0.35% fee*
Accumulated Interest Withdrawal0.08% fee

*Death Benefit Feature is required in California and Florida and is priced into the California and Florida rates. All California and 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 California and Florida ** Rates vary state and may change at anytime. Please consult an agent for more details.

LIBOR is designed to reflect the short term funding costs of major banks active in London, one of the world’s most important wholesale financial markets.