0.00% 

Min. Guaranteed Interest 87.5% of the prem. paid, less withdrawals and rider charges, compounded at the applicable Minimum Guaranteed Contract Withdrawal Value Interest Rates, ranging from 1% to 3% per year.

Guaranteed Lifetime Income Account Value:	
Includes a 25% bonus applied to the initial premium received. (Not available in all states)
 

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

Premium Banding:
Low Band: $25,000 - $99,999
High Band: $100,000 - $249,999
Ultra Band: $250,000+
 

10 

0 - 85 

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

12%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 4%, 2%

For CT, DE, MN, SC, TX and UT:
10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%
 

10% of the beginning-of-year Contract Value after the first contract year can be withdrawn each year without incurring withdrawal charges.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

Death Benefit-Full Contract Value without any withdrawal charges. 
 

Premiums can be allocated to your choice of two strategies, a fixed interest strategy and 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
 

ForeThought_Rates.pdf 

Guaranteed Lifetime Annual Income Account: 
- Includes a 25% income bonus based on initial premium and applied to the Guaranteed Lifetime Income Account Value. 
- The income account grows at the rate of 5% at each contract anniversary for the first 10 years, or until the date you activate the benefit. The extra bonus may not be available in all states.

Guaranteed Lifetime Income Benefit:	
- Activate at any time after age 59 1/2 (and after the first contract year).
- Provides guaranteed annual income you can systematically withdraw for as long 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 Income Benefit Factor depends on the Guaranteed Lifetime Income option chosen:
- 5% level income benefit annually
- 4% income with a 2% annual cost of living increase*
- 4% level income benefit annually with spoisal continuation fo income upon death of owner.
- 3% income with a 2% annual cost of living increase and spousal continuation of income upon death of owner*
*Cost of living increases begin on the 2nd anniversary following the activation of the benefit and end once the Contract Value is depleted.

Nursing Home Waiver Rider: Confined to licensed nursing home for more than 60 days after 1st contract year.

Terminal Illness Waiver Rider: 

Death Benefit: Full contract vaulue without any withdrawal charges.

Increased Death Benefit Gurantee Rider: Guarantee death benefits equal to no less than initial premium paid, increasing by 5% of premium less withdrawals, at the end of each year, until the 10th contract anniversary, or until age 85, whichever comes first. Available at issue ony for ages 0-75. 

Commissions-
0-75: 7.00% 
76-85: 5.00%

** Commissions for CT, DE, MN, OR, SC, TX and UT are reduced by 1%

Commission Chargeback Policy:
All withdrawals in the first policy year are subject to commission charge backs including Required Minimum Distributions, full and particial withdrawals, and death in the first year, regardless of whether withdrawal charges are incurred.

Issues ages up to 80; 100% months 1-6, 50% months 7-12.

Issues ages 81+; 100% months 1-12.  

Alaska
Nevada
New York
Oregon
Puerto Rico
Washington