TODAY’S 1ST CHOICE
Today’s 1st Choice Annuity is a Single Premium Deferred Annuity that can be a powerful tool to help you prepare for retirement. Our Today’s 1st Choice product pays an attractive bonus on your single premium payment and allows you to earn an annual rate of return that is highly competitive and tax deferred. The power of tax deferral gives you the advantage of paying no taxes on your earnings until you withdraw your funds.
BENEFITS OF TODAY’S 1ST CHOICE ANNUITY
Bonus on Premium Payment
Guaranteed Rate of Return
Competitive Annual Rate of Return
Tax Deferred Growth
No Annual Fees
Liquidity - Free Withdrawals (Up to a 10% Annual Free Withdrawal)
Ability to Take Accumulated Value in Lump Sum After Maturity Period
Ability to Convert Funds into Income Payments
Low Premium Options
Issue Ages 0-85
Decreasing Surrender Charges
BONUS ON PREMIUM DEPOSIT1
Today’s 1st Choice Annuity offers a bonus on your single premium deposit! Today’s 1st Choice is credited with an initial premium bonus that accelerates your growth.
GUARANTEED RATE OF RETURN
Today’s 1st Choice Annuity offers a guaranteed rate of return for the life of the contract. This offers you peace of mind in knowing that your money is growing and is safe!
COMPETITIVE ANNUAL RATE OF RETURN
The interest crediting rate on the Today’s 1st Choice Annuity is guaranteed at the issue rate for the entire withdrawal charge period. Additionally, the crediting rate on the Today’s 1st Choice Annuity has the advantage of increasing.
TAX DEFERRED GROWTH
Tax Deferral is a powerful tool used to accumulate cash. You will not pay any taxes on your earnings until you withdraw your funds. This allows you to accumulate interest on funds that you may of otherwise had to pay in taxes. Most people can reduce the amount of taxes paid on the interest accumulated due to being in a lower tax bracket during their retirement years.
NO ANNUAL FEES
Today’s 1st Choice Annuity has no annual fees.
FREE PARTIAL WITHDRAW4
Free 10% withdrawal from your contract beginning in the second year.
Unlike some annuities, you are not required to withdraw your Accumulation Value over any income period. You are free to withdraw your full accumulation value with no surrender charges after the maturity period has expired.
OPTIONAL CASH PAYMENTS FOR LIFE
Today’s 1st Choice Annuity gives you flexibility in choosing a payment structure that is right for you in the event you choose to withdraw your funds in the form of payments for your retirement.
LOW PREMIUM OPTIONS
You can begin a Today’s 1st Choice Annuity for as little as $10,000. Single premium payments are accepted up to $250,000.
Today’s 1st Choice Annuity can be purchased from ages 0 - 85.
DECREASING SURRENDER CHARGES2
The surrender charges on the Today’s 1st Choice Annuity decrease over the life of the maturity period. The Today’s 1st Choice Annuity surrender charges decrease to zero over the 5 year maturity period.
FLEXIBLE INCOME OPTIONS
Today’s 1st Choice Annuity provides Annuitant multiple future income structures. Free Partial Withdrawals, beginning in the second policy year, the owner may withdraw up to 10% of the Accumulation Value.
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