The Buck Starts Here
Market-leading APYs unlock the full potential of your annuity. No matter what, the deposit flexibility and boosted rate will push your earning potential in one direction — upward.
Call your ISDA Financial Life rep, or the ISDA Home Office at 412-261-3550, for more details.
MEGA Flex 8
APY up to 6.00%
- Minimum Deposit: $5,000
- Maximum First Year Deposit: $1,000,000
- Surrender Period: 8 years
- Contract Rate: 2.65% minimum guaranteed
- Non-guaranteed interest rate years 2-8 is 5.25%
- Year 9 renewal interest rate is minimum contract guaranteed rate
- Free Withdrawals Without ISDA Surrender Charges*: 10% of cash value at 1st anniversary (contractual) / RMD for qualified plans / Death of annuitant / Annuitization 8-year minimum / Additional deposits do not reset penalty period / Nursing home**
MEGA Flex 5
APY up to 6.00%
- Minimum Deposit: $5,000
- Maximum First Year Deposit: $875,000
- Surrender Period: 5 years
- Contract Rate: 2.65% minimum guaranteed
- Non-guaranteed interest rate years 2-5 is 5.50%
- Year 6 renewal interest rate is minimum contract guaranteed rate
- Free Withdrawals Without ISDA Surrender Charges*: 10% of cash value at 1st anniversary (contractual) / RMD for qualified plans / Death of annuitant / Annuitization 5-year minimum / Additional deposits do not reset penalty period / Nursing home**
MEGA Flex 3
APY up to 3.00%
- Minimum Deposit: $5,000
- Maximum First Year Deposit: $875,000
- Surrender Period: 3 years
- Contract Rate: 2.65% minimum guaranteed
- Non-guaranteed interest rate years 2-3 is 3.00%
- Year 4 renewal interest rate is minimum contract guaranteed rate
- Free Withdrawals Without ISDA Surrender Charges*: 10% of cash value at 1st anniversary (contractual) / RMD for qualified plans / Death of annuitant / Annuitization 3-year minimum / Additional deposits do not reset penalty period / No nursing home
MEGA Flex 2
APY up to 3.00%
- Minimum Deposit: $5,000
- Maximum First Year Deposit: $1,000,000
- Surrender Period: 2 years
- Contract Rate: 2.65% minimum guaranteed
- Non-guaranteed interest rate year 2 is 3.00%
- Year 3 renewal interest rate is minimum contract guaranteed rate
- Free Withdrawals Without ISDA Surrender Charges*: 10% of cash value at 1st anniversary (contractual) / RMD for qualified plans / Death of annuitant / Annuitization 2-year minimum / Additional deposits do not reset penalty period / No nursing home
MEGA 2 Choice Flex
APY up to 3.00%
- Minimum Deposit: $5,000
- Maximum First Year Deposit: $1,000,000
- Surrender Period: 2 years
- Contract Rate: 2.65% minimum guaranteed
- Non-guaranteed interest rate year 2 is 3.00%
- Year 3 renewal interest rate is minimum contract guaranteed rate
- Free Withdrawals Without ISDA Surrender Charges*: RMD for qualified plans / Death of annuitant / Annuitization 2-year minimum / Additional deposits do not reset penalty period / 2nd year 0% surrender charge / No nursing home
* Withdrawals before age 59 1⁄2 may be subject to IRS early withdrawal penalty. Consult a tax advisor for specific tax consequences.
** Fraternal benefit waives the declining surrender penalty in case of nursing home confinement. Agents, see the ISDA Illustration Software report for details.