Issue Ages Non-Qualified: 0 – 90 | Qualified: 0 – 65

Minimum Premium $10,000

Maximum Premium $500,000 (home office approval need for higher amounts)

Withdrawal Privileges Policyholders are permitted to access unlimited withdrawals (minimum of $1,000) of their accumulated accounts for any reason after policy issue. Each withdrawal will be subject to a 1% redemption fee schedule.

Contract Year 1 2 3 4 5 30-Day Window 6-10 11
Withdrawal Charge 1% 1% 1% 1% 1% 0% 1% 0%

Up Front Sales Load 5% of initial premium

Window Period Upon the expiration of the guaranteed rate period there will be a 30-day window during which a partial or complete withdrawal can be made without a redemption fee. At the conclusion of the 30-day window any withdrawals of the remaining balance will be subject to a 1% redemption fee for an additional 5-year schedule.

Annuitization Available after 12 months for five years or longer. Not subject to a redemption fee.

Acknowledgement of Delivery Required with all cases.

Suitability Form Required with all cases at time of application.

(For agent use only. Annuity is underwritten by Bankers Life Insurance Company, which is the only entity financially obligated under the annuity. This annuity has limitations that may not be described here. For costs and complete details of the annuity, contact Bankers Life Insurance Company. Annuity form not available in all states. Approval does not imply endorsement of any insurer or product. Bankers and its representatives do not give legal or tax advice. This content reflects our understanding of tax rules and regulations in effect at the time of publication. Taxes must be paid on deferred earnings when accessed. You may be responsible for income taxes on amounts withdrawn, including a 10% penalty for withdrawals prior to age 591/2. In Texas, Bankers Life conducts business as Western Bankers Life Insurance.)

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