5% Comp on a 5-Year Fixed Annuity
The new 5-5-5+1 opportunity available exclusively through EverVest.
Why 5-5-5+1?
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Rates, commission & 5-5-5+1 details.
| Category | Mesa Guard Fixed Annuity Detail | Advisor Note |
|---|---|---|
| Commission ages 0–80 | 5.00% | Commission age band based on owner’s age, or oldest owner if joint. |
| Commission ages 81–90 | 3.00% | Listed in the annuity commission schedule. |
| 5-5-5+1 positioning | 5% commission, 5-year Fixed Annuity, 5% bailout rate years 2–5, +1% premium bonus | Simple hook for the Mesa Guard advisor opportunity. |
| Effective Year 1 rate | 6.00% | Reflects the 5.00% base/published rate plus the 1.00% premium bonus. |
| Bailout rate years 2–5 | 5.00% | If the credited rate falls below 5.00% during years 2–5, the bailout rider may allow a penalty-free exit. |
| Free withdrawals | 5% annual free withdrawal | Optional 10% withdrawal rider is available with a crediting rate reduction. |
| Surrender charge schedule | 9%, 8%, 7%, 6%, 5% | Five-year surrender charge period. |
| Optional 10% withdrawal rider rate impact | 25 bps reduction | Applies when electing the 10% Withdrawal Rider or RMD Rider. |
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Licensed states
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Disclosures: Mountain Life Mesa Guard is a single premium deferred fixed annuity. Product and rider provisions, form numbers, availability, definitions, and benefits may vary by state. Rates shown are subject to change. Guarantees are based on the claims-paying ability of Mountain Life Insurance Company. Withdrawals may be subject to surrender charges, market value adjustment, ordinary income tax, and if taken before age 59½, a 10% IRS penalty. Annuity products are not bank products, are not deposits, are not insured by the FDIC or any other federal entity, have no bank guarantee, and may lose value. Neither Mountain Life nor its agents offer tax advice; clients should consult a qualified tax advisor.