Beacon Data Entry

CUSIP Basic Info

CUSIP Number *

CUSIP Name *

Inception Date *

Close Date

CUSIP Note

Scrap Book

The MasterDex X is a limited flexible premium deferred index annuity. The minimum single premium is $20,000 for qualified and non-qualified money. Additional premium payments can be made for $25 or more during the first three contract years only. 10% of the paid premium may be withdrawn in any year no premium is paid.  Surrender charges are ten years in duration, vary by state, and are waived in the event of annuitization, death, or entrance into an eligible nursing home. There is a premium bonus on all premium received in the first three contract years, which is vested over a 10-year period.  The Simple Income III Rider is an optional rider which, if elected at an extra cost, offers a simple bonus equal to the adjusted premium multiplied by a percentage.  The Flexible Annuity Option Rider allows the withdrawal of accumulation value (less any bonus or interest earned on the bonus) anytime after the first contract year for a period certain of 10 to 30 years.  The Flexible Withdrawal Rider is an optional rider which, if elected at an extra cost, allows access to a one-time lump-sum payment in any amount up to the accumulation value if admitted to an eligible nursing home, hospital, or assisted living care facility for at least 30 out of 35 consecutive days. An additional nursing home / hospital benefit and unemployment benefit  are also an option at no additional cost.  The bonus is subject to a 10-year vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11th contract year, when 100% will be vested. If you surrender your contract before the 11th contract year, you will lose the unvested bonus. During the first 10 contract years, we will apply a surrender charge and unvested bonus reduction if you partially or fully surrender your contract. The same would apply if you begin annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year (or for fewer than 10 years). These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (your premium). Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature.  Withdrawals and taxable distributions may be subject to ordinary income tax and if made prior to age 59 1/2, may also be subject to a 10% federal income tax penalty. Guarantees based on claims paying ability of insurer. Products / features may not be available in all states. This is an annuity contract issued by an insurance company and not a bank product protected by the FDIC. C52575/R91077-01/R91050-02

FG Retirement Pro

CUSIP Basic Info

Contribution / Waiver / Withdrawal