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Policy
PRODUCT POLICY TYPE
Variable Annuity
Annual Maintenance
ANNUAL MAINTENANCE
MAX ANNUAL MAINTENANCE
ANNUAL MAINTENANCE %
FEE WAIVER AMOUNT
Premium Tax / Distribution / Admin
PREM. TAX MIN
PREM. TAX MAX
DISTRIB. CURRENT
DISTRIB. MAX
ADMIN CURRENT
ADMIN MAX
Premium Tax Applicable
Subaccount Fees
MIN SUBACCOUNT FEE
AVG SUBACCOUNT FEE
MAX SUBACCOUNT FEE
TOTAL VAR. ACCT. EXP.
Notes
NOTES
Issuer charges an effective annual interest rate on a loan that will never be greater than an amount equal to 7.4% plus the total charges for riders have selected. The company also will credit the amount in the loan account with an effective annual interest rate equal to 3%. The net cost of a loan is the interest rate charged by the company less the interest rate credited. Thus, the highest net cost of a loan charged is 4.4%, plus the amount of any applicable rider charges.
SCRAP BOOK
Initial Sales
+ Add Initial Sale
Initial Sale #
1
Identity
INTERNAL NAME
*
MARKETING NAME
*
INCEPTION DATE
*
CLOSED DATE
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
Initial Sales Cases
+ Add Case
Case #
1
RANGE MIN
*
RANGE MAX
*
CHARGE %
CHARGE AMOUNT
*
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
SALES CHARGE TEXT
M&E Charges
+ Add M&E Charge
M&E Charge #
1
Identity
INTERNAL CASE NAME
*
MARKETING CASE NAME
*
INCEPTION DATE
*
CLOSED DATE
Charge Details
CURRENT CHARGE
MAX CHARGE
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
Income Phase
CURRENT CHARGE (INCOME PHASE)
MAX CHARGE (INCOME PHASE)
Flags
Income Phase Applicable
M&E Dep CDSC
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
M&E CHARGE TEXT
With base contract. For contract value - $100,000 or more; 1.25% - during income phase. Includes distribution Expenses.
M&E Charge #
2
Identity
INTERNAL CASE NAME
*
MARKETING CASE NAME
*
INCEPTION DATE
*
CLOSED DATE
Charge Details
CURRENT CHARGE
MAX CHARGE
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
Income Phase
CURRENT CHARGE (INCOME PHASE)
MAX CHARGE (INCOME PHASE)
Flags
Income Phase Applicable
M&E Dep CDSC
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
M&E CHARGE TEXT
With base contract. For contract value - $25,000 - $99,999; 1.25% - during income phase. Charge in excess of 0.60% is deducted monthly from contract value. Includes distribution Expenses.
M&E Charge #
3
Identity
INTERNAL CASE NAME
*
MARKETING CASE NAME
*
INCEPTION DATE
*
CLOSED DATE
Charge Details
CURRENT CHARGE
MAX CHARGE
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
Income Phase
CURRENT CHARGE (INCOME PHASE)
MAX CHARGE (INCOME PHASE)
Flags
Income Phase Applicable
M&E Dep CDSC
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
M&E CHARGE TEXT
With base contract. For contract value - $0 - $24,999; 1.25% - during income phase. Charge in excess of 0.60% is deducted monthly from contract value. Includes distribution Expenses.
CDSC / Surrender Charges
+ Add CDSC Charge
CDSC Charge #
1
Identity
INTERNAL CASE NAME
*
NAME
*
ME CASE NAME
PRODUCT POLICY TYPE
Variable Annuity
SHARE CLASS
— Select —
Class A
Class B
Class C
Class L
Class O
Class I
Class X
No Share Class
Dates & Rules
INCEPTION DATE
*
CLOSED DATE
YEAR CALCULATED ON
RIDER SELECT RULE
— Select —
Optional
Mandatory
Default
CHARGE BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
Charge Amounts
CDSC CHARGE AMOUNT
CDSC CHARGE %
UNLIMITED FROM YEAR
UNLIMITED CHARGE %
SURR YEARS
CDSC Charges by Year
YR 0-1
YR 1-2
YR 2-3
YR 3-4
YR 4-5
YR 5-6
YR 6-7
YR 7-8
YR 8-9
YR 9-10
YR 10-11
YR 11-12
YR 12-13
YR 13-14
YR 14-15
YR 15-16
YR 16-17
YR 17-18
YR 18-19
YR 19-20
Flags
CDSC Dep ME
Currently Applicable
App Dur Inc Phase
Is Terminated
Is Perpetual
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
DESCRIPTION
CDSC Charge #
2
Identity
INTERNAL CASE NAME
*
NAME
*
ME CASE NAME
PRODUCT POLICY TYPE
Variable Annuity
SHARE CLASS
— Select —
Class A
Class B
Class C
Class L
Class O
Class I
Class X
No Share Class
Dates & Rules
INCEPTION DATE
*
CLOSED DATE
YEAR CALCULATED ON
RIDER SELECT RULE
— Select —
Optional
Mandatory
Default
CHARGE BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
Charge Amounts
CDSC CHARGE AMOUNT
CDSC CHARGE %
UNLIMITED FROM YEAR
UNLIMITED CHARGE %
SURR YEARS
CDSC Charges by Year
YR 0-1
YR 1-2
YR 2-3
YR 3-4
YR 4-5
YR 5-6
YR 6-7
YR 7-8
YR 8-9
YR 9-10
YR 10-11
YR 11-12
YR 12-13
YR 13-14
YR 14-15
YR 15-16
YR 16-17
YR 17-18
YR 18-19
YR 19-20
Flags
CDSC Dep ME
Currently Applicable
App Dur Inc Phase
Is Terminated
Is Perpetual
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
DESCRIPTION
CDSC Charge #
3
Identity
INTERNAL CASE NAME
*
NAME
*
ME CASE NAME
PRODUCT POLICY TYPE
Variable Annuity
SHARE CLASS
— Select —
Class A
Class B
Class C
Class L
Class O
Class I
Class X
No Share Class
Dates & Rules
INCEPTION DATE
*
CLOSED DATE
YEAR CALCULATED ON
RIDER SELECT RULE
— Select —
Optional
Mandatory
Default
CHARGE BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
Charge Amounts
CDSC CHARGE AMOUNT
CDSC CHARGE %
UNLIMITED FROM YEAR
UNLIMITED CHARGE %
SURR YEARS
CDSC Charges by Year
YR 0-1
YR 1-2
YR 2-3
YR 3-4
YR 4-5
YR 5-6
YR 6-7
YR 7-8
YR 8-9
YR 9-10
YR 10-11
YR 11-12
YR 12-13
YR 13-14
YR 14-15
YR 15-16
YR 16-17
YR 17-18
YR 18-19
YR 19-20
Flags
CDSC Dep ME
Currently Applicable
App Dur Inc Phase
Is Terminated
Is Perpetual
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
DESCRIPTION
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SecureDesigns Variable Annuity (NY)
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GROUP
Security Benefit
COMPANY
First Security Benefit Life Insurance & Annuity Co of NY
TYPE
Variable Annuity
INCEPTION
Dec 29, 2004
‹
Overview
Product Information
Benefits & Guarantees
Financial
CUSIP
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Allocation Model
Investment Requirement
›
Policy
PRODUCT POLICY TYPE
Variable Annuity
Annual Maintenance
ANNUAL MAINTENANCE
MAX ANNUAL MAINTENANCE
ANNUAL MAINTENANCE %
FEE WAIVER AMOUNT
Premium Tax / Distribution / Admin
PREM. TAX MIN
PREM. TAX MAX
DISTRIB. CURRENT
DISTRIB. MAX
ADMIN CURRENT
ADMIN MAX
Premium Tax Applicable
Subaccount Fees
MIN SUBACCOUNT FEE
AVG SUBACCOUNT FEE
MAX SUBACCOUNT FEE
TOTAL VAR. ACCT. EXP.
Notes
NOTES
Issuer charges an effective annual interest rate on a loan that will never be greater than an amount equal to 7.4% plus the total charges for riders have selected. The company also will credit the amount in the loan account with an effective annual interest rate equal to 3%. The net cost of a loan is the interest rate charged by the company less the interest rate credited. Thus, the highest net cost of a loan charged is 4.4%, plus the amount of any applicable rider charges.
SCRAP BOOK
Initial Sales
+ Add Initial Sale
Initial Sale #
1
Identity
INTERNAL NAME
*
MARKETING NAME
*
INCEPTION DATE
*
CLOSED DATE
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
Initial Sales Cases
+ Add Case
Case #
1
RANGE MIN
*
RANGE MAX
*
CHARGE %
CHARGE AMOUNT
*
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
SALES CHARGE TEXT
M&E Charges
+ Add M&E Charge
M&E Charge #
1
Identity
INTERNAL CASE NAME
*
MARKETING CASE NAME
*
INCEPTION DATE
*
CLOSED DATE
Charge Details
CURRENT CHARGE
MAX CHARGE
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
Income Phase
CURRENT CHARGE (INCOME PHASE)
MAX CHARGE (INCOME PHASE)
Flags
Income Phase Applicable
M&E Dep CDSC
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
M&E CHARGE TEXT
With base contract. For contract value - $100,000 or more; 1.25% - during income phase. Includes distribution Expenses.
M&E Charge #
2
Identity
INTERNAL CASE NAME
*
MARKETING CASE NAME
*
INCEPTION DATE
*
CLOSED DATE
Charge Details
CURRENT CHARGE
MAX CHARGE
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
Income Phase
CURRENT CHARGE (INCOME PHASE)
MAX CHARGE (INCOME PHASE)
Flags
Income Phase Applicable
M&E Dep CDSC
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
M&E CHARGE TEXT
With base contract. For contract value - $25,000 - $99,999; 1.25% - during income phase. Charge in excess of 0.60% is deducted monthly from contract value. Includes distribution Expenses.
M&E Charge #
3
Identity
INTERNAL CASE NAME
*
MARKETING CASE NAME
*
INCEPTION DATE
*
CLOSED DATE
Charge Details
CURRENT CHARGE
MAX CHARGE
BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
FREQUENCY
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
DEDUCTED WHEN
— Select —
Daily
Bi-Monthly
Monthly
Quarterly
Semi-Annually
Annually
Contract Anniversary
Requested
Approved By Issuer
Others
Income Phase
CURRENT CHARGE (INCOME PHASE)
MAX CHARGE (INCOME PHASE)
Flags
Income Phase Applicable
M&E Dep CDSC
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
M&E CHARGE TEXT
With base contract. For contract value - $0 - $24,999; 1.25% - during income phase. Charge in excess of 0.60% is deducted monthly from contract value. Includes distribution Expenses.
CDSC / Surrender Charges
+ Add CDSC Charge
CDSC Charge #
1
Identity
INTERNAL CASE NAME
*
NAME
*
ME CASE NAME
PRODUCT POLICY TYPE
Variable Annuity
SHARE CLASS
— Select —
Class A
Class B
Class C
Class L
Class O
Class I
Class X
No Share Class
Dates & Rules
INCEPTION DATE
*
CLOSED DATE
YEAR CALCULATED ON
RIDER SELECT RULE
— Select —
Optional
Mandatory
Default
CHARGE BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
Charge Amounts
CDSC CHARGE AMOUNT
CDSC CHARGE %
UNLIMITED FROM YEAR
UNLIMITED CHARGE %
SURR YEARS
CDSC Charges by Year
YR 0-1
YR 1-2
YR 2-3
YR 3-4
YR 4-5
YR 5-6
YR 6-7
YR 7-8
YR 8-9
YR 9-10
YR 10-11
YR 11-12
YR 12-13
YR 13-14
YR 14-15
YR 15-16
YR 16-17
YR 17-18
YR 18-19
YR 19-20
Flags
CDSC Dep ME
Currently Applicable
App Dur Inc Phase
Is Terminated
Is Perpetual
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
DESCRIPTION
CDSC Charge #
2
Identity
INTERNAL CASE NAME
*
NAME
*
ME CASE NAME
PRODUCT POLICY TYPE
Variable Annuity
SHARE CLASS
— Select —
Class A
Class B
Class C
Class L
Class O
Class I
Class X
No Share Class
Dates & Rules
INCEPTION DATE
*
CLOSED DATE
YEAR CALCULATED ON
RIDER SELECT RULE
— Select —
Optional
Mandatory
Default
CHARGE BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
Charge Amounts
CDSC CHARGE AMOUNT
CDSC CHARGE %
UNLIMITED FROM YEAR
UNLIMITED CHARGE %
SURR YEARS
CDSC Charges by Year
YR 0-1
YR 1-2
YR 2-3
YR 3-4
YR 4-5
YR 5-6
YR 6-7
YR 7-8
YR 8-9
YR 9-10
YR 10-11
YR 11-12
YR 12-13
YR 13-14
YR 14-15
YR 15-16
YR 16-17
YR 17-18
YR 18-19
YR 19-20
Flags
CDSC Dep ME
Currently Applicable
App Dur Inc Phase
Is Terminated
Is Perpetual
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
DESCRIPTION
CDSC Charge #
3
Identity
INTERNAL CASE NAME
*
NAME
*
ME CASE NAME
PRODUCT POLICY TYPE
Variable Annuity
SHARE CLASS
— Select —
Class A
Class B
Class C
Class L
Class O
Class I
Class X
No Share Class
Dates & Rules
INCEPTION DATE
*
CLOSED DATE
YEAR CALCULATED ON
RIDER SELECT RULE
— Select —
Optional
Mandatory
Default
CHARGE BASIS TYPE
— Select —
Variable Account Value
Fixed Account Value
Account Value
Others
Purchase Payments
Benefit Base
Interest Bonus
Accumulation Value
Indexed Account Value
Earnings
Charge Amounts
CDSC CHARGE AMOUNT
CDSC CHARGE %
UNLIMITED FROM YEAR
UNLIMITED CHARGE %
SURR YEARS
CDSC Charges by Year
YR 0-1
YR 1-2
YR 2-3
YR 3-4
YR 4-5
YR 5-6
YR 6-7
YR 7-8
YR 8-9
YR 9-10
YR 10-11
YR 11-12
YR 12-13
YR 13-14
YR 14-15
YR 15-16
YR 16-17
YR 17-18
YR 18-19
YR 19-20
Flags
CDSC Dep ME
Currently Applicable
App Dur Inc Phase
Is Terminated
Is Perpetual
Availability
Exception
Alabama (AL)
Alaska (AK)
American Samoa (AS)
Arizona (AZ)
Arkansas (AR)
Bermuda (BERMUDA)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dist of Columbia (DC)
Florida (FL)
Georgia (GA)
Guam (GU)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IND)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
→
←
Not available in states
DESCRIPTION
Cancel