Access & Performance
Fixed Annuity
Single Premium Deferred Annuity (SPDA)
JUMP TO:
Performance SPDA
Guaranteed growth with competitive rates
Performance SPDA offers strong crediting rates and predictable accumulation through multi-year guarantee periods. Designed for clients focused on maximizing growth, Performance SPDA includes a Market Value Adjustment (MVA) feature that helps support higher rates.
Highlights
- 3-, 5-, or 7-year surrender periods
- Competitive rates with premium bands ($25,000–$99,999 and $100,000+)
- Tax-deferred growth on earnings
- Free RMD withdrawals
- Nursing home and terminal illness waiver of surrender charges*
- Market Value Adjustment (MVA) applies to early withdrawals, which may be positive or negative
*Not available in California or if already confined to a care facility at issue.
Issue Ages
- 3-Year: age 0 – 100
- 5-Year: age 0 – 89
- 7-Year: age 0 – 89
Access SPDA
Access SPDA is designed for clients who want greater access to funds while still benefiting from guaranteed growth. Access SPDA does not include a Market Value Adjustment (MVA), making it a simpler more flexible solution.
Highlights
- No Market Value Adjustment (MVA)
- Flexible access to account value with surrender charge waivers available
- Competitive guaranteed rates for multi-year periods
- Tax-deferred growth on all earnings
- Free RMD withdrawals
- Nursing home and terminal illness waiver of surrender charges*
*Not available in California or if already confined to a care facility at issue.
Issue Ages
- 4-Year: age 0 – 100
- 6-Year: age 0 – 89
Marketing Materials
Get the primary SPDA marketing pieces below. For access to all marketing materials and forms, visit the Document Library at MyKuvare.com.
