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The Standard

Focused Growth Annuity 5 CA

A MYGA with a 5-year fixed rate and a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Moody's: A1		Standard & Poor's: A+

Rates
The interest rate is guaranteed for 5 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 15,000+	****	*****	*****	****	*****	*****
Band 100,000+	****	*****	*****	****	*****	*****

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The @companyName@'s @annuitynam --[ subscription required to view full text ]--
*** @***********@'* @***********@ ** * ****** ******* ******** ******* ******** * @*******************@-**** **** ********* **** * @*******@--**** ********* ****** ****** *** ****** ***** ********** *********. ******** **** ********* @*****************@ **** * @***********@ ** ***********, **** ****** *** *** ********** ******** ****** *** ***** ** ******** ****. *** ********** ******** ******** **** ** ******** **** *** ******* ******** **** ** ****** ** *** **** ** *** *******, ****** *** ********** ******* ******* **** * ********, ******** ** ******** ******* **** ** ******* ** *** ********-**** **** ******.

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:	******	******

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

Systematic Withdrawals

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

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

State Specific Notes

The nursing home wai --[ subscription required to view full text ]--
*** ******* **** ****** ** *** ********* ** ************* *** ***** ******** ********** ***** ** *** ******** ********* ******.

MVA Explanation

During the surrender-charge period, an M --[ subscription required to view full text ]--
****** *** *********-****** ******, ** *** ** ******* ** *********** ** ********** **** *** ******* ** ********* *******. *** *** ** ***** ** ******* ** *** ****** ** *.*. ********** *** *** ******** ** ******** *** *******'* ********* *****.

*** *** ** * *** ****** ******* **** ***** ******** *** ****** ********* ** *** *** **** *** **** ****. *** ******** ** ** *** ***** ******* *** ********* ******* ******* *** ***** *********** **** *** *******, *** ** ****, *** *** ****** *** ********* ******* ** ****** * ****** ******** **** ** *** ******* ******. *** ***** ******* *** ** *** **** ** ****** ************* ****** *** *********-******-**** *********** ******* ****** *** ********* ****** ******, *** *** *** **** ** ***** ********* ** ******* **** ******* * **** *********** ******** ****.

Commissions
Effective date of commission schedule: 03/01/2018
Commissions are ***** *** * *** * *** * ** ***** ***.