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Investors Insurance (Legacy)

RateMark 3

A MYGA with a 3-year fixed rate and a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : B++		Weiss: NR

Rates
The interest rate is guaranteed for 3 years Surrender charges last 10 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 3,000+	****	*****	*****	****	*****	*****

State Specified Minimum Interest Rate: ****

Policy Notes

The @companyName@'s @annuityname@ is a Flexible Premium, Multi Year Guaranteed Annuity with a @RateGuarante --[ subscription required to view full text ]--
*** @***********@'* @***********@ ** * ******** *******, ***** **** ********** ******* **** * @*******************@-**** ******** **** ********* *** * @*******@-**** ********* ****** ****** **** * ****** ***** ********** *********.

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***-************* *******
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• ******** ********** ***** (**% ********* ******-**** ****** *** ** ***).
• ******* ***** ***** ******* ***** (**** ******* ***** ** *****).

Product Riders
No Riders Available

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

The Annuity Value De --[ subscription required to view full text ]--
*** ******* ***** ***** ******* ***** ** ******** ** ********* **** ** ***** ********.

MVA Explanation

Upon surrender or withdrawal, a market value adjustme --[ subscription required to view full text ]--
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*******: ****** $***,*** ** ********* ** ****-**** **** *** ***** **** ***** *** ******* ***** ** $***,***. ** *** *** ******* ** * *% ******** **** **** ******, **** *********, *** ******* ***** **** ****** **: $***,*** * ***% = $***,***. ** *** *** ******* ** * *% ******** **** **** ******, **** *********, *** ******* ***** **** ****** **: $***,*** * **% = $***,***. ** *** *** ******* ** * **% ******** **** **** ******, **** *********, *** ******* ***** **** ****** **: $***,*** * **% = $***,***; *******, **** *** **% *****, *** ***** ****** ***** ** $***,***.

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Commissions
Effective date of commission schedule: 10/01/2011
Commissions are ***** *** * *** * *** * ** ***** ***.