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RateTrackSM Plus Annuity


RateTrackSM Plus is a single premium fixed annuity with a Bonus and Income Benefit issued by Security Benefit Life Insurance Company (SBL).


RateTrack PlusSM is the first of its kind – a floating rate annuity with an Income Benefit that provides the ability to automatically participate in a rising interest rate environment during the contract’s Roll-up Term by automatically adjusting the Income Benefit’s Roll-up Rate.


RateTrackSM Plus offers:


  • Unique interest crediting structure
  • Built-in Income Benefit with the potential to benefit from Rising Rates
  • A bonus of 4% on the premium
  • 10% free annual withdrawals (available in the first year based on Purchase Payment amount and then the prior year contract anniversary Account Value beginning with the second contract year)
  • Guaranteed minimum interest rate for the duration of the contract
  • Nursing Home Waiver1
  • Terminal Illness Waiver1
  • Home Healthcare Doubler1

Helpful Resources


1 Availability varies by state.



Security Benefit refers to Security Benefit Life Insurance Company (SBL).


The Security Benefit RateTrack® Plus Annuity (RTP), form 5400 (03-17) and ICC17 5400 (03-17), a single premium deferred fixed annuity, and the Bonus Benefit with Guaranteed Lifetime Withdrawal Benefit Rider, form 5401 (03-17) and ICC17 (3-17), for which a charge applies, are issued by Security Benefit Life Insurance Company. Product features, limitations, and availability vary by state. 


Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Annuities are not FDIC or NCUA/NCUSIF 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.

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