Product Single Premium Deferred Annuity

(Traditional IRA, Roth IRA, or Annuity) Flexible Premium
Deferred Annuity
(Traditional IRA, Roth IRA, or Annuity)
CURRENT RATE 1 4.25% guaranteed for first year. 4.00% guaranteed for first year.
GUARANTEED

RATE 2 1.50% guaranteed in subsequent years. (FL, LA, MN, NY, OR, TX, and UT are currently at 3.50%; WA is currently at 3%.) .

An annuity is a contract between you and the insurance company, where you make a lump-sum payment or series of payments over time. In return, the insurer agrees to make periodic payments to you beginning immediately or at a specified date. Annuities typically offer tax-deferred growth and may include a death benefit that will pay your beneficiary a guaranteed amount, usually at least your principal.

Three basic types of annuities

Regulatory and Health Care Reform Must Tap State Expertise.

WASHINGTON, D.C. (May 20, 2009) — The state-based insurance regulatory system has remained a constant in an otherwise erratic economic climate. That was the key message conveyed this week when state insurance regulators visited members of Congress to highlight the part of the regulatory system that has consistently worked.