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Total Interest Annuity


The current economic outlook may have you concerned about your retirement savings. Market risks and potential downturns could make it difficult to retire as you want. That's why you should ensure a portion of your retirement savings is guaranteed with the Total Interest Annuity.


Protect Your Principal

The Total Interest Annuity is not subject to market risk, meaning you earn at least a guaranteed minimum rate of interest regardless of what happens in the market. Your principal is guaranteed by Security Benefit Life Insurance Company, which has been helping people build financial security for more than 120 years.


Direct Your Contributions or Transfers

You can begin contributing to the Total Interest Annuity by setting up a payroll deferral through your employer’s 403(b) plan or automatic drafts from your bank account for an IRA. Contributions through your 403(b) plan are also tax deferred. There are annual contribution limits issued by the IRS. Once you reach 50 years old, federal tax laws allow you to participate in the CatchUp provision.


Interest Guaranteed

The Total Interest Annuity credits interest rates that are guaranteed for a year, regardless of market conditions. First year contributions earn an additional bonus interest rate.* The guaranteed minimum interest rate (GMIR) allows you to save for retirement with confidence, knowing that if future rates decline - you'll still earn at least the GMIR.


Start Today

If you're concerned about market volatility and the potential consequences to your retirement savings, you should consider having a portion of your savings guaranteed. Direct your contributions to the Total Interest Annuity today. Protect more of your retirement assets and discuss a rollover or in-service transfer to the Total Interest Annuity with your financial advisor.


Helpful Resources

All guarantees provided in the contract, including the Guaranteed Minimum Interest Rate, are provided by Security Benefit Life Insurance Company (SBL). Guarantees are subject to SBL's financial strength.


*In lieu of the Bonus Rate, for Texas contracts, the first year Current Interest Rate will include additional guaranteed interest equivalent to the current Bonus Rate. Guaranteed Minimum Interest Rates (GMIR) vary by state. If the contract's GMIR exceeds any of the rates disclosed above, the GMIR will prevail.


This web page relates to contract form 5100 (2-11). Product features and availability will vary by state. The contract is issued by Security Benefit Life Insurance Company and has limitations. Call our Service Center at 800.888.2461 for complete details.


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 and not a condition of the provision or term of any banking service or activity.

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Total Interest Annuity
Current Rates

Effective: March 11, 2019


Initial Interest Rate: 2.00%


Applies to each Purchase Payment (contribution for 12 months. (Renewal rates set quarterly.)


Bonus Rate: 2.00%


Additional rate for Purchase Payments (contributions) received in the first year of the contract (applies to each premium for 12 months).     


View renewal rates.


Guaranteed Minimum Interest Rate: 1.70%


Subsequent renewal rates will apply to Purchase Payments (contributions) for a rolling 12-month period after the Initial Interest Rate Ends. 

The rate lock is available for 60 days from the date of the client's signature.

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


View the complete rate sheet. (PDF)