Fixed Indexed Annuity (FIA)

Secure Retirement 10-Year FIA

UP TO 25% NO-FEE BONUS!

Bonus-forward FIA with clean cap options, a fixed-rate baseline, and meaningful liquidity features designed for real retirement planning conversations.

Up to 25% No-Fee Bonus (Max Tier)

Up to 25% Cumulative Free Withdrawals

6% Nasdaq-100 cap / 5% S&P 500 cap (Max Tier)

3% Fixed (Max Tier)

Secure Retirement 10-Year FIA

Bonus + Simple Crediting + Strong Liquidity Features

Designed for simple positioning: clear tier choices (Growth / Boost / Max), recognizable index strategies, and benefits clients actually value – including cumulative free withdrawals and strong waiver features.

Term Length

10 Years

Defined surrender period.

Strong Liquidity

Up to 25%

Cumulative withdrawals.

High S&P Cap

Up to 7.5%

Dependent upon tier.

Max Bonus (Max Tier)

25%

Varies by issue age.

Why Advisors Use It

Tiered bonus options (Boost / Max) with clear vesting schedule.
Clean index cap story with recognizable indices (S&P 500 / Nasdaq-100).
Strong liquidity: Up to 25% cumulative free withdrawals.
Real waiver benefits for common retirement risks.

Advisor positioning

“A 10-year FIA with bonus tiers, simple index options, 5% free withdrawals after year one (cumulative up to 25%), plus strong waiver benefits.”

Index Caps (Max Tier)

6% Nasdaq-100 (1-yr P2P cap)

5% S&P 500 (1-yr P2P cap)

Fixed Rate (Max Tier)

3% fixed (1-year fixed)

Rates/caps subject to change; see rate sheet for current values.

Client-Friendly Liquidity & Benefits

Free withdrawals: after year 1, up to 5% of contract value or RMD each year.
Cumulative free withdrawals: unused free amounts accumulate up to 25% maximum.
Terminal illness: up to 100% (after year 1, eligibility applies).
Nursing home: up to 50% (after year 1, 90+ days, eligibility applies).
Critical illness: up to 25% (after year 1, eligibility applies).
Home health care: up to 25% annually for 5 years (after year 1, eligibility applies).

For agent use only. Not intended for use with the general public. All guarantees are backed by the claims-paying ability of the issuing insurance company. Withdrawals may be subject to surrender charges and other contract provisions. Index strategies are not investments in the market; caps/rates and product terms are subject to the contract and carrier rules. Refer to approved materials for full details.

Product Specs

Issue Ages

Growth: 0–85

Boost: 0–80

Max: 0–80

Premiums

Min: $5,000

Max: $1,000,000

Larger amounts considered w/ home office approval.

Additional Premiums

Allowed first 6 months

$2,000 minimum additional

Death Benefit

Contract value + fully vested bonus

No MVA or surrender charges upon death (per highlights).

Bonus Options & Vesting (Snapshot)

Bonus Tier	IA 0–70	IA 71–75	IA 76–80	IA 81–85
Growth (Non-Bonus)	0%	0%	0%	0%
Boost (Mid-Level)	12%	8%	5%	N/A
Max (High-Level)	25%	16%	10%	N/A

Market Value Adjustment (MVA) may apply to withdrawals that are subject to withdrawal charges; it does not apply after the withdrawal charge period.

Product Resources

Download approved product materials below.

Rate Sheet State Availability Product Highlights Brochure

Ready to Offer Secure Retirement?

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Agent use only.

For agent use only. Not intended for use with the general public or consumers. Product availability, features, and rates may vary by state and are subject to change without notice. Information provided on this website is for informational purposes only and does not constitute a solicitation or offer to sell insurance or annuity products in any jurisdiction where such solicitation or offer would be unlawful. Please contact EverVest directly to confirm the most current product details, availability, and rates. Main: 888-990-5501