Product features vary by state, including but not limited to the Nursing Home Waiver and Terminal Illness Waiver.
View these tables to determine which RateTrack® features are available in each state. Surrender charge schedules are also listed below.
Not available for sale in New York.
| States | Base Product | Nursing Home and Terminal Illness Waivers |
|---|---|---|
| AK, AL, AR, AZ, CO, CT, DE, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MD, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY | No | Yes |
| CA | No | No |
| MA | No | Terminal illness waiver only |
| NJ | No | Nursing home waiver only |
Surrender Charge Schedule for all States
| Interest Rate Guarantee Period | During Initial and Subsequent Guarantee Period |
|---|
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| 5 Year | 9% | 8% | 7% | 6% | 5% | 0% | -- | -- |
| 7 Year | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 0% |