Guaranteed Interest Rates With a First-Year Bonus
The Safe Harbor Bonus Guarantee Annuity offers competitive fixed interest rates that lock in growth over the entire contract term. To enhance early accumulation, this product also provides a first-year interest rate bonus, allowing your retirement savings to get an immediate boost.

The bonus rate, combined with tax-deferred compounding, can significantly increase your total accumulation over time—without any risk of market loss.

Contract Term Flexibility From 3 to 20 Years
You can select a contract length that matches your retirement timeline and financial goals. Available terms include 3, 5, 6, 7, 10, 15, or 20 years, providing control over how long you want to lock in your guaranteed rate.

This flexibility is especially valuable for those aligning annuity maturity with retirement dates or anticipated income needs.

Penalty-Free Access to Accumulated Interest
Although designed for long-term growth, the Safe Harbor Bonus Guarantee Annuity provides penalty-free access to accumulated interest, giving you the ability to meet financial needs without sacrificing your entire investment. For many term options, Required Minimum Distributions (RMDs) are also available without penalty on qualified contracts.

Simple and Efficient Estate Planning
In the event of your passing, your beneficiaries will receive the full accumulation value—including interest earned—without surrender charges or probate delays. This ensures a smooth, tax-advantaged transfer of wealth to your loved ones.

Who Is This Annuity a Good Fit For?
The Safe Harbor Bonus Guarantee Annuity is ideal for:

• Individuals seeking principal protection and fixed returns

• Those who want tax-deferred accumulation without market volatility

• Retirees or pre-retirees looking for predictable growth with bonus incentives

• Families focused on efficient estate planning with a guaranteed death benefit

📄 Click here to request your personalized annuity quote.