0.00% 

Minimum guaranteed interest rate varies between 1.0% and 3% (floating) annually depending upon the state. See below for specific state levels.  

3% Premium Bonus guaranteed on premiums received in the first policy year.

The fixed rate option establishes a fixed rate guaranteed for one year, but never less than the minimum guaranteed.  A new fixed rate, subject to the minimum guaranteed is declared each year.

The "Floating" minimum guarantee interest rate is set at issue with a minimum of 1% and a maximum of 3%.  The floating rate applies in the following states:
AL, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MO, MS, NC, NE, NH, NJ, NM, OH, RI, SC, TN, VA, WV 

Minimum premium is $10,000 ($2,000 per Option).
$2,000 minimum additional premium for first policy year.
Maximum premium is $5,000,000 (Premium in excess of $1,000,000 requires prior home office approval.) 

9 

0 - 85 

There are 9 years of surrender penalties:

Issue Age 0-80: 15%, 15%, 15%, 14.5%, 13.5%, 12.5%, 10%, 7%, 4%, 0%

Issue Age 81-85: 12.5%, 12.5%, 12%, 11%, 10%, 9%, 10%, 8%, 7%, 6%, 0%

Exception states: AK, CT, MA, TX & WA (applies to issue ages 0-85)are subject to the following surrender charge schedule: 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 0%.

Exception state: MN (applies to issue ages 0-85)are subject to the following surrender charge schedule: 8.2%, 8.2%, 7.2%, 6.2%, 5.2%, 4.1%, 3.1%, 2.1%, 0% 

Surrender charges do not reset for additional premiums. 

At the end of the first anniversary, 10% of the account value may be withdrawn without surrender penalty.  Systematic withdrawals are allowed as a specific amount or interest only on a repetitive basis, provided the minimum payment is $100.  Systematic payment frequency can be monthly, quarterly, semi-annual, or annual.

Withdrawal penalties are waived for full or partial withdrawal:
1.  Upon annuitization after the fifth policy year.
2.  Upon death.
3.  When the nursing home, terminal illness or unemployment 
waiver applies.

Nursing Home Waiver: When owner is confined to a licensed nursing home for more than 60 days beginning after the first year of the annuity.
(Not Available in AK, CT, MA, MN, MT, NV, NY, ND, OK, OR, SD, UT, VT, WA and WY.)

Terminal Illness Waiver: If, after the first year of the annuity, the owner is diagnosed by a licensed physician as having an illness or condition resulting in a life expectancy of less than one year.

Unemployment Waiver: If the owner is under age 65 and becomes unemployed any time after the annuity is issued, and remains unemployed for at least 30 days.

Death Benefit: No surrender charges will be deducted from the account value if the owner dies.

The Minimum Guaranteed Surrender Value ("MGSV") on a full surrender is 103% of premium, plus daily interest accruing at the MGSV accumulation interest rate, less any current surrender charges. That rate is between 1% and 3% depending on issue state, is set at issue and fixed for the life of the contract. MGSV is reduced by prior withdrawals and is adjusted for any reallocations. 

The are six interest crediting options that may be chosen:
 1 Year: S&P 500® monthly point-to-point
 2 Year: S&P 500® monthly point-to-point.
 3 Year: S&P 500® monthly point-to-point.
 S&P Monthly Average
 S&P Annual Pt-to-Pt
 
Fixed rate guaranteed for one-year and reset annually thereafter and guaranteed for an additional year.

Caps are declared and guaranteed for the index crediting period, subject to the minimums. 

Index credit for the crediting period selected is never less than zero.

Reallocation is allowed at the end of each crediting rate period into any of the available options, subject to the minimum amount per option.  Credited amounts are added to the account value at the end of each crediting period.

The fixed rate option guarantees a competitive interest rate for successive one-year periods. 

OMFN_Rates.pdf 

Issue age is last birthday for both owner and annuitant.

Rate protection on 1035 exchanges is 60 days

Age limit for Qualified is 18-85.

OM Income Advantage:
(Not Available in AK, CT, LA, MA, MN, MT, NY, ND, OK, OR, SD, UT, VT, WA and WY.)

-4% or 6% Roll Up during Accumulation Phase 
-10 bps or 30 bps respectively 
-Start, Stop, Start, Stop Income 
-Step Up Income Base during Withdrawal Phase any year Account Value is Greater than Income Base, Automatically 
-Increase Income Percentage as Ages increase when a Step Up Occurs during Withdrawal Phase. 
-Start Income after first year if over age 50


Guaranteed Withdrawal Percentages:
Annuitant’s Age    Single Annuitant    Joint Annuitant*
0-49                          N/A                        N/A
50-59                      4.00%                      3.00%
60-69                      5.00%                      4.00%
70-79                      6.00%                      5.00%
80-89                      7.00%                      6.00%
90+                         8.00%                     7.00%
*Based on the age of the younger annuitant
 

Old Mutual Financial Network sales support can be reached at:  800.445.6758 or by emailing them at:  sales-support@omfn.com
 

Commission 
Age     All Options       Renewals   (Except MA)
           (yrs. 1-3)                  
0-79          9.00%        0.00%            
80-85        4.50%        0.00% 

FOR CT, MA and WA:
Commission 
Age     All Options       
                       
0-79          7.25%                 
80-85        3.62%        


Performance Trail Option (PTO)
Age     All Options       Renewals   (Except MA)
           (yrs. 1-3)                  
0-79          6.75%        0.00%            
80-85        3.37%        0.00% 

FOR TX:
Commission 
Age     All Options       
                       
0-79          8.00%                 
80-85        4.00%

Full Commission will be paid on sales up to $1,000,000. $1,000,001 to $2,500,000: Choice of Reduced Commission with Trail or Level Commission;  $2,500,001 to $5,000,000: Level Commission; reduced choices pay for 8 years.  Sales that replace existing policies of the company will be paid at a reduced rate.  

Commission chargeback is 100% during the first year and 50% during the second year and shall apply to full surrenders or any partial surrender exceeding the free surrender amount.  There will be an adjustment in commissions to the SPIA level for policies that are annuitized in the first policy year.  There is no commission chargeback on death of a policyholder except where the premiums are in excess of $1,000,000.
 

New York
Oklahoma
Oregon
Puerto Rico
Utah
Vermont