A New Fixed Indexed Annuity with Guaranteed Growth Protection
Give clients a path to principal protection, tax-deferred growth potential, market-linked interest opportunities, and an optional rider designed to provide a guaranteed accumulation target at the end of the contract term.
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Protected growth with a stronger guarantee story.
This fixed indexed annuity is designed for clients who want protection from market loss, growth potential through multiple crediting strategies, and the option to add a guaranteed accumulation target for additional confidence.
Optional Guaranteed Growth Protection
When elected, the optional rider guarantees a minimum accumulation target at the end of the surrender charge period, reduced by withdrawals. Interest is credited based on the higher of index performance or the guaranteed accumulation amount.
A multi-year strategy tracks annual index values and credits interest at the end of the term based on the highest annual contract anniversary value.
Selected index strategies include caps guaranteed for the 5-year or 7-year surrender charge period, helping reduce renewal-rate uncertainty.
A strong fit for clients who want safety, growth potential, and clarity.
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Protected accumulation
Clients can participate in index-linked interest opportunities while remaining protected from direct market losses due to negative index performance.
Competitive crediting options
Includes a fixed rate, annual point-to-point caps, participation strategies, performance trigger options, and a multi-year high water mark option.
Guaranteed accumulation option
The optional rider can help clients stay on track by guaranteeing a minimum accumulation target at the end of the contract term.
Rate snapshot for quick producer review.
Rates shown are based on the current rate sheet provided. Always confirm current rates and state availability with EverVest before submitting business.
| Crediting Method | 5-Year | 7-Year | Notes |
|---|---|---|---|
| Fixed Rate | 4.00% | 4.00% | One-year fixed account option. |
| S&P 500 Annual Point-to-Point Cap | 9.25% | 9.50% | Annual cap strategy. |
| S&P 500 Annual Point-to-Point Participation | 50% | 50% | Participation strategy. |
| S&P 500 Annual Point-to-Point Performance Trigger | 6.00% | 6.00% | Performance trigger threshold currently 0.00%. |
| Proprietary Index Annual Point-to-Point Participation | 130% | 130% | Index-linked participation strategy. |
| Additional Proprietary Index Annual Point-to-Point Participation | 130% | 130% | Index-linked participation strategy. |
| High Water Mark Strategy | 150% | 150% | Tracked annually; interest credited at the end of the selected term. |
| S&P 500 Guaranteed Cap | 7.75% | 8.00% | Guaranteed for the selected term. |
| S&P 500 Dynamic Strategy Guaranteed Cap | 10.50% | 10.50% | Guaranteed for the selected term. |
| Nasdaq-100 Strategy Guaranteed Cap | 11.00% | 11.00% | First contract year includes an additional 1% bonus on the cap. |
| GAP Factor | 120% | 130% | Optional rider accumulation factor. |
| GAP Fee | 0.20% | 0.20% | Annual rider fee. |
Key details producers can review quickly.
Use this as a quick producer-facing overview. Full policy details, training, suitability requirements, state availability, and illustration support should be requested through EverVest.
| Feature | Details | Positioning |
|---|---|---|
| Issue Ages | 18-90 | Available for a broad retirement-focused age range. |
| Contract Options | 5-year and 7-year plans | Two surrender charge periods available. |
| Minimum Premium | $15,000 | Accessible starting premium level. |
| Maximum Premium | Up to $3,000,000; $2,000,000 for older ages | Suitability and other restrictions may apply. |
| Premium Types | Nonqualified, IRA, Roth IRA | Can support multiple funding scenarios. |
| Ownership | Single, joint, or trust ownership | Joint owners must be spouses. |
| Free Withdrawals | Interest only in year one; 10% annual free withdrawals starting year two | Helpful for clients who value future access. |
| Surrender Charges | 5-year: 9%, 8%, 7%, 6%, 5%; 7-year: 9%, 8%, 7%, 6%, 5%, 4%, 3% | Clearly defined charge schedules. |
| Market Value Adjustment | May apply during the surrender charge period | Can increase or decrease the amount received. |
| Death Benefit | Greater of accumulation value or cash surrender value | Can be paid as a lump sum or annuity. |
Why it can start a strong conversation.
Built-in flexibility matters.
Download product materials.
Use these resources to review the product structure, current rates, consumer-facing materials, rider details, and state availability. Product and carrier identity are intentionally not displayed in the page copy.
Product Overview
Review issue ages, premium rules, liquidity, surrender schedules, and rider overview.
Marketing Guide
Review producer-facing positioning, differentiators, specifications, and sales support notes.
Consumer Guide
Client-facing guide covering protected growth, liquidity, and accumulation concepts.
Growth Protection Flyer
Details the optional guaranteed accumulation rider, factors, fee, and hypothetical example.
Current Rate Sheet
View current fixed, indexed, guaranteed cap, high water mark, and rider rates.
State Availability
Check approved, non-compact, and not-approved states before discussing availability.
Request an illustration or get the full story.
Current rates, state availability, illustrations, training requirements, and full product details are available through EverVest. Contact us before presenting this opportunity so we can help confirm fit, availability, and next steps.
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Important Disclosures: This page is intended for producer-facing marketing use. Product availability, features, rider availability, rates, and benefits may vary by state and are subject to change. Please review the applicable product materials, policy, rider, disclosures, and state approval map before presenting to clients.
A fixed indexed annuity is not a security and is not an investment in the stock market. Index account interest is based, in part, on index performance. Past performance of an index is not an indication of future performance. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Not FDIC/NCUA insured • Charges may apply • Not bank/CU guaranteed • Not a deposit • Not insured by any federal agency • May go down in value when surrender charges or market value adjustments are applied.