0.00% 

5% Bonus applied to all premiums received in first 4 contract yrs.

Min. Guaranteed Interest is 87.5% of the prem. paid, less withdrawals, compounded at a range from 1% to 3% per year; varies by state. 

$25,000 minimum initial premium
$1,000,000 maximum initial premium (Home office approval required for premiums in excess of $1,000,000.)

Limited additional premium permitted:
-during first 4 contract years;
-subject to minimum remittance of $1,000;
-subject to cumulative maximum additional premium equal to amount of initial premium.

Low Band: $25,000 - $99,999 
High Band: $100,000 - $249,999 
Ultra Band: $250,000 plus

 

10 

0 - 85 

10-Yr: 10%,10%,10%,10%,9%,8%,7%,6%,4%,2%

All withdrawals in excess of the 10% free withdrawal amount eachcontract year will incur withdrawal charges. There are no withdrawal charges after the tenth contract year.

Withdrawals may be subject to federal and/or state income tax and, if taken prior to age 59½, an additional 10% federal penalty tax. 

Death Benefit
Full Contract Value without any withdrawal charges.

Return of premium guarantee from day one of contract. 10% of the beginning-of-year Contract Value after the first contract year can be withdrawn each year without incurring withdrawal charges. Systematic withdrawals may be specified by dollar amount or percentage of Contract Value with your choice of payout frequency. Waiver of withdrawal charges due to nursing home confinement and/or terminal illness. 

Premiums can be allocated to your choice of two strategies, a fixed interest strategy or one strategy based on the S&P 500® Index. Funds selected are locked in for one year. 

1. Fixed Account Strategy
2. Monthly Point-to-Point with Cap, no fees, 100% particpation.
 

ForeThought_Rates.pdf 

Strategy Term Extension Rider 
Nursing Home Waiver Rider 
Terminal Illness Waiver Rider

Guaranteed Lifetime Income Benefit:
Activate at any time after age 59½ (and after the first contract year). Provides a guaranteed annual income you can systematically withdraw for aslong as you live, even if the Contract Value falls to zero. Contract Value continues to receive positive indexed interest gains even after electing to begin the Guaranteed Lifetime Income Benefit.

Guaranteed Lifetime Annual Income:
Guaranteed Lifetime Annual Income based on the greater of the Contract Value or 105% of premium growing at 5%. 

Equal to your choice of the following 4 options available on the date you activate the benefit: 
– 5% level income benefit annually 
– 4% income with a 2% annual cost of living increase 
– 4% level income benefit annually with spousal continuation of income upon death of owner 
– 3% income with a 2% annual cost of living increase and spousalcontinuation of income upon death of owner 

Step Up Benefit: On each contract anniversary the Guaranteed Lifetime AnnualIncome is equal to the greater of the current Guaranteed Lifetime Annual Income or the income factor selected above multiplied by the Contract Value.


Cash and transfers must be received with application by Monday 5 PM to qualify for a Wednesday of the same week buy date (applies to all index-linked annuities).  

Commissions-
Mo. Pt-to-Pt w/ Cap, Fixed rate
         Initial Deposits             
0-75:        5.00%                        
76-85:      3.50%                       

*Commissions on Additional Deposits available ONLY during the first 4 years of the contract.

Commission Chargeback Policy:
All withdrawals in the first policy year are subject to commission charge backs including Required Minimum Distributions and death in the first year, regardless of whether withdrawal charges are incurred.
100% months 1-24 for withdrawals (ful & partial), 0% thereafter. 

Alaska
Arizona
Connecticut
Delaware
Florida
Iowa
Louisiana
Maryland
Massachusetts
Minnesota
Missouri
Montana
New York
Oregon
Puerto Rico
Texas
Utah
Vermont
Washington