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| FPDA | (non-qualified plan) |
| FPDA-IRA | (IRA, Roth IRA) (tax-qualified plan, 1st Yr. 2% Bonus) |
| FPDA-TSA | (TSA) (tax-qualified plan, 1st Year 2% Bonus) |
(Non-qualified) |
(IRA & TSA) |
|
|---|---|---|
| Current Interest Rate: | 1.05% | 1.05% |
| Balances of $5,000 and above: | +.10% | +.10% |
| Bonus Interest First Year: | None | 2.0% |
| Current Interest Guaranteed: | Monthly | Monthly |
| Minimum Guaranteed Rate: | 1.0% | 1.0% |
| Policy Fee: | See 1below | See 1below |
| Minimum Initial Premium: | $100 | $100 |
| Issue Ages: | 0 - 85 | 0 - 85 |
| Nursing Home Rider: | See Nursing Rider2 below | See Nursing Rider2 below |
| Withdrawal Privilege: | Penalty Free withdrawls3 below | Penalty Free withdrawls3 below |
| Surrender Penalty: | Penalty Free withdrawls3 below | Penalty Free withdrawls3 below |
| Year | Year | ||
|---|---|---|---|
| 1 | 9.0% | 6 | 4.0% |
| 2 | 8.0% | 7 | 3.0% |
| 3 | 7.0% | 8 | 2.0% |
| 4 | 6.0% | 9 | 1.0% |
| 5 | 5.0% | 10+ | 0.0% |
There is no policy fee while the account balance is greater than $3,000. An annual $24.00 fee is applied whenever the balance is less than $3,000 and there has not been at least $1,000 deposited during the preceding policy year.
The above plan will be issued with a Nursing Home Rider providing the owner's age is 75 or younger at the time of the issue. After the owner has had 60 consecutive days of confinement to a Nursing Home, additional partial withdrawals are available without a surrender charge.
Penalty free partial withdrawls are available once per policy year - up to 10% of the account value.
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