| Product | Single Premium Deferred Annuity (Traditional IRA, Roth IRA or Annuity) |
Flexible Premium Deferred Annuity (Traditional IRA, Roth IRA or Annuity) |
| CURRENT RATE 1 | 3.50% guaranteed for first year. | 3.25% guaranteed for first year. |
| GUARANTEED RATE 2 |
1.25% guaranteed in subsequent years. (FL, LA, MN, NY, OR, TX and UT are currently at 3.50%; WA is currently at 3%; MS, NJ, PA, WY are currently at 1.50%.) . | |
| DESCRIPTION | Can be opened with a minimum initial contribution of $5,000. Ideal for rolling over large amounts from existing IRAs and pension or profit-sharing plans. | Allows you to make periodic contributions which can be tailored to your unique situation. Can be opened with a minimum contribution of $50. |
