A Good Plan Gets You Where You
Want to Go

Choosing a product that will advance you well down the road to retirement means weighing several factors—including how much time you have until you expect to retire; your anticipated monthly expenses vs. anticipated income; even how long you’re expected to live, and much more. An 1891 Financial Life representative can give you details and help you decide what’s right for you. For a preview, the chart here lets you see at a glance how the choices compare.

 

Immediate Income Products Income Options Guaranteed Income

Single Premium Immediate Annuity (SPIA)5

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3 Options:
Life
Period Certain (5, 10, 15, 20, or 25 Years)
Life and Period Certain

 Payments Guaranteed for Option Selected

Retirement Product Choices Single or Flexible
Premium Annuity?		 A Balance of Safety and Growth

Single Premium Fixed Indexed Annuity (SPIA)6

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Single Premium Annuity with the option to add additional premium in the first year.

 Allocate your money into two account options: an indexed account and a fixed rate account.
Account value will not go below your initial investment.

Retirement Product Choices Single or Flexible
Premium Annuity?		 Guaranteed Minimum
Interest Rate?

Non-Qualified Annuity

Funded with after-tax funds.

  • 3-Year Certificate1
  • 7-Year Certificate2
  • 10-Year Certificate2

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 Flexible Annuity - Add Premium Any Time

 Yes, this product has a guaranteed minimum interest rate.

IRA Annuity

  • 3-Year Certificate1
  • 7-Year Certificate2
  • 10-Year Certificate2

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 Flexible Annuity - Add Premium Any Time Yes, this product has a guaranteed minimum interest rate.

Roth IRA Annuity

Money in the account has already been taxed, so there are no taxes owed on qualifying withdrawals made in retirement.4

  • 3-Year Certificate1
  • 7-Year Certificate2
  • 10-Year Certificate2

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 Flexible Annuity - Add Premium Any Time Yes, this product has a guaranteed minimum interest rate.

5-Year Multi-Year Guaranteed Annuity (MYGA)3

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 Single Premium Annuity Yes, this product has a guaranteed interest rate for 5 Years!
Plus Riders Included! (see below)

MYGA Policy Riders

5-Year Multi-Year Guaranteed Annuity (MYGA) Riders3

  • Free Partial Withdrawal Rider.  Beginning in the second year, withdrawal charges will be waived on a withdrawn amount that is less than or equal to 10% of the accumulation value (as of the preceding certificate anniversary). A withdrawal charge will be applied only to amounts in excess of the 10% accumulation value each certificate year.
  • Terminal Illness/Nursing Home or Hospital Confinement Rider.  If you are diagnosed as terminally ill or are confined to a nursing home, the withdrawal charge will be waived on a single withdrawal of up to 100% of the accumulation value. Not available in CA.
  • Enhanced Death Benefit Rider. When the Owner dies the Death Benefit amount will be the Accumulation Value on the date of the death. Withdrawal Charges will be waived.

DISCLOSURE

Subject to change. Products/features may not be available in all states. Product descriptions above are not a statement of contract; please refer to the policy forms for full disclosure of all benefits and limitations.
123FPDA Plan Series. 1st year guaranteed interest rate; renewal rate based on market conditions. Not available in CA.
220FPDA Plan Series. 1st year guaranteed interest rate; renewal rate based on market conditions.
320MYGA Plan Series. Guaranteed interest rate for 5 years; renewal rate based on market conditions. Riders automatically included at no cost.
4Consult your tax advisor regarding your individual situation.
522SPIA Plan Series. Not available in CA.
624 FIA Plan Series. Not available in CA, OR.