Lock-In Guaranteed Rates for Multiple Years!

A Great Way to Increase Yield – Set it and Forget it.

3.25% Each Year for 5 Years

This product provides guaranteed positive returns, safely eliminating market risk and volatility. It’s designed to ensure your client’s financial future.

What is a MYGA?

A multi-year guaranteed annuity (MYGA)¹ is a tax deferred retirement savings vehicle that provides fixed asset accumulation over 5 years, earning a fixed return. The 5-Year MYGA offers tax-deferred guaranteed account value growth. The tax deferred interest is compounded on an annual basis.

• Renews at competitive rate
• Funds grow tax-deferred
• Taxed only when money is withdrawn
• Safe and secure
• Our portfolio contains high quality investments

NCSF’s 5-Year MYGA Features

• Issue Ages 0-85²
• 3.25% 5- Year Interest Rate
• 1.00% Minimum Guaranteed Rate
• $5,000 – $250,000 Premium³

Choose One or More Riders

The 5-Year MYGA has these Riders Available⁴

• Enhanced Death Benefit Rider
  When an owner or a joint owner dies, the death benefit amount will be the accumulation value on the date of death, withdrawal charges will be waived.
• Terminal Illness/Nursing Home or Hospital Confinement Rider
  If you are diagnosed as terminally ill or confined to a nursing home, the withdrawal charge will be waived on a single withdrawal of up to 100% of the accumulation value.

Riders Beginning in the Second Certificate Year⁵

• Accumulated Interest Rider
  If you would like to withdraw the accumulated interest credited to your certificate, you can take it out without any withdrawal charge, you must take at least $100.
• Penalty Free Withdrawal Rider
  Withdrawal charges will be waived on a withdrawn amount that is less than or equal to 10% of the accumulation value (as of the preceding certificate anniversary). A withdrawal charge will be applied only to amounts in excess of the 10% accumulation value each certificate year.
• Required Minimum Distribution (RMD) Rider
  Withdrawal charges will be waived for required minimum distributions for the contract. The required minimum distribution (RMD) will be calculated as indicated under the internal revenue code.

Interest rates effective November 1, 2020 and subject to change. Products/features may not be available in all states.  1) 20MYGA Plan Series, Guaranteed interest rate for 5 years; minimum guaranteed interest rate 1% after year 5.  2) Call the Home Office for ages over 85.  3) No more than $250,000 in total NCSF annuity contributions per household.  4)  A rider will result in the reduction in the interest crediting rate. 5) Only one of these riders may be selected at a time

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