As the length of retirement increases, so does the need for a retirement solution that will help you enjoy this time in your life – the Personal Choice Plus+ Annuity gives you the power, options, and benefits you want. Personal Choice Plus+ Annuity offers you four interest crediting methods to choose from, giving you the power to choose how you want your investments to grow.


  • Fixed Interest Rate: Initial rate guaranteed for 5 years and is compounded daily.
  • Annual Point to Point: Interest rate is based upon the change in market value over the policy year, letting you get as close you can get to investing directly in the market without exposure to losses
  • Monthly Averaging: Interest rate is based upon average of the 12 monthly closing values in the market over the policy year, having the potential to yield higher earnings during periods of significant market increases
  • Monthly Sum: Interest Rate based upon monthly changes in the market. Offers the opportunity to earn the highest interest and reap the benefits of the market with no risk.


Our interest rates for Annual Point to Point, Monthly Averaging, and Monthly Sum are based on the S&P 500®.

With flexibility in settlement options and four optional riders, Personal Choice Plus+ Annuity offers you a custom solution to fuel your retirement.

Personal Choice Plus+ Annuity
5 Years Fixed 3.05% 3.00%
Annual Point-to-Point 6.00% 6.00%
Monthly Averaging 6.00% 6.00%
Monthly Sum 2.25% 2.25%

Current Rates as of July 1, 2017** All Other: 3.05% Florida: 3.00% Optional Rider: Required Minimum Distribution - 0.16% Preferred 10% Free Withdrawal - 0.08% Death Benefit Feature - 0.35%* Accumulated Interest Withdrawal - 0.08%

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death  Benefit Feature.
Special introductory cap in the state of Florida
All Annuitants 86-90 are required to purchase Death Benefit Rider in all states except Florida
** Rates vary state and may change at anytime. Please consult an agent for more details.




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