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Total Interest Annuity

The Total Interest Annuity allows clients with a 403(b) account or IRA to make ongoing contributions and earn a guaranteed interest rate. This product can be used for new contributions or for rollovers or transfers. The Total Interest Annuity helps to protect clients' retirement savings from market risk with a guaranteed interest rate.


Security Benefit Total Interest Annuity Rate Sheet (PDF)


Initial Interest Rate

For deposits received between February 11, 2019 through February 22, 2019.



Bonus Rate*

Only applies to deposits received within the first contract year.



2nd Year Rate**

For deposits received between January 1 and March 31, 2018.



Renewal Rate

For deposits received between January 1 and March 31, years prior to 2018.



*The Bonus Rate is an additional rate for Purchase Payments received in the first year of the contract (applies to each purchase payment for 12 months). In lieu of the Bonus Rate, for Texas contracts the first year Initial Interest Rate will include additional guaranteed interest equivalent to the current Bonus Rate for contributions received in the first year of the contract.


**The 2nd Year Rate applies to each Purchase Payment (contribution) for the 12-month period after the Initial Interest Rate 12-month period ends. The 2nd Year Rate is set on calendar quarters and applies to all purchases entering their second year during the quarter.


The Total Interest Annuity rates relate to contract form 5100. The contract is issued by Security Benefit Life Insurance Company and has limitations. The Total Interest Annuity is not available in New York.


All guarantees provided in the contract, including the minimum guaranteed interest rate, are provided by Security Benefit Life Insurance Company (SBL). Guarantees are subject to SBL's financial strength.


Rates may be changed at any time without notice, and the rates set forth herein may not be available at the time of purchase.


Call a representative for complete details or contact our Service Center at 800.888.2461.


Guarantees provided by annuities are subject to the financial strength of the issuing insurance company.  Annuities are not FDIC insured; are not obligations or deposits of, and are not guaranteed or underwritten by any bank, savings and loan or credit union or its affiliates; are unrelated to and not a condition of the provision or term of any banking service or activity.