A Promise of Steady, Reliable Growth

We believe that saving for retirement can happen predictably, simply and with less anxiety.

When structured with the help of an Advisor, funded and allowed to grow long-term, a Single Premium Deferred Annuity (SPDA) can provide income that you can’t outlive.

Make a one‑time lump‑sum payment—minimum $10,000 or more—using cash, a retirement account rollover, inheritance, CD, account transfer or from other sources, then allow your money to grow long-term at guaranteed minimum fixed rates. There’s no need to chase rates or stress over market performance. This annuity is a stable, secure method of wealth accumulation.

Your principal is protected from market volatility and grows tax-deferred, which can be advantageous if the annuity becomes a source of regular income for your retirement.

Start Building Guaranteed Retirement Growth Today

As of May 26, 2026, the initial fixed interest rate is 5.00%, guaranteed minimum for the first contract year; 4.25% guaranteed minimum for years 2–5 and 2.75% guaranteed minimum for year 6 and beyond. The interest rate will never fall below the guaranteed minimum rate stated in the contract. Interest is determined by the receipt date and compounds monthly.

The Advantages of Using Annuities for Retirement Savings

An SPDA offers you many advantages as you save.

• Simple Single Premium Payment-Your savings begin with a single premium payment. Your Advisor can provide you with a detailed illustration of the guaranteed growth you can expect in an SPDA.
• Account Consolidation and Organization-Organize your finances by consolidating retirement accounts into one account. SPDAs work well for large sums you want to protect, such as a retirement account, an inheritance, CD transfer, or a property sale.
• Tax Advantage-You won’t pay any taxes on your interest growth until you begin making withdrawals. This can be beneficial if your tax bracket is lower in retirement.
• Flexible Income Options-Decide when and how you receive income from the annuity after a deferral period. Payments can be set up for the rest of your life on an annual, semi-annual or monthly basis.
• Penalty‑Free Withdrawals-If you are age 59½ or older, you can withdraw up to 10% of the accumulated value each year without federal penalty or surrender charges. This flexible option begins after the first 12 months of the contract.
• Leaving a Legacy-If you pass away before income payments begin, your beneficiary will receive the remaining contract value. This may help avoid probate delays and simplify the transfer of assets to your heirs.

A SPDA offers simplicity, stability, and confidence—helping you protect what you’ve saved while planning for a dependable retirement income.

Have more questions, email us at info@womanslife.org or call 800-521-9292

Important Advisories

• Prospective members will be provided, at or prior to application, a copy of the Buyer’s Guide to Annuities and a Preliminary Contract Summary.
• Surrender charges and/or government penalties may apply to withdrawals.
• Up to 10% of the accumulated values may be withdrawn without surrender charges during any policy year except the first. Interest-only withdrawals in the first year.
• The deferral period is the time between annuity purchase and the start of income payments. During this period, funds accumulate on a tax-deferred basis. The length of the deferral period depends on the contract and age at purchase.
• Current rates are subject to change without notice.
• Withdrawals may be taxable. Distributions taken prior to age 59½ may be subject to a 10% federal tax penalty. Members should consult a qualified tax advisor regarding their specific situation.
• This annuity is not FDIC insured, not a deposit, not insured by any federal government agency, and not guaranteed by any bank or bank affiliate.

Single Premium Deferred Annuity ICC10 SPDA-5.

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