BSMG National Rates
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FIXED INDEX ANNUITY
Week of October 27, 2025
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FEATURED INCOME RIDER – 8.5% Annual Income Credits
| Lifetime Income Plus Flex | Income starting at age 67* | Income starting at age 72* | RATINGS -BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
 | Single Life | $11,115 (7.80% withdrawal rate) | $15,355 (8.30% withdrawal rate) | 1.10% annual rider charge | |
| 11.12% cash flow*** | 15.36% cash flow*** | Not Available In: NY | |||
| Joint Life** | $10,402 (7.30% withdrawal rate) | $14,430 (7.80% withdrawal rate) | |||
| 10.40% cash flow*** | 14.43% cash flow*** | ||||
| *Income assumes 62 year old with $100,000 initial deposit **Joint Life income is based on the youngest spouse's age at time of income withdrawal *** Cash flow based on initial investment |
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3 YEAR
| Landmark 3 MVA | $150,000+ | $50,000 - $149,999 | RATINGS - BEST|S&P|COMDEX A++|AA|97 | ||
|---|---|---|---|---|---|
 | 1-YR PTP CAP (S&P 500®) | 6.75% | 6.50% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, PA, UT |
|
| 1-YR PTP CAP (iShares® US Real Estate) | 7.50% | 7.25% | |||
| FIXED RATE | 3.35% | 3.25% |
| Landmark 3 Non-MVA | $150,000+ | $50,000 - $149,999 | RATINGS - BEST|S&P|COMDEX A++|AA|97 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 6.25% | 6.00% | Free withdrawal: 10% all years Not Available: NY Rates Only Available In: AK, PA, UT |
|
| 1-YR PTP CAP (iShares® US Real Estate) | 7.25% | 6.75% | |||
| FIXED RATE | 3.20% | 3.10% |
5 YEAR
| Power 5 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 9.00% | 8.00% | Free withdrawal: 10% after 1 Year Not Available In: NY |
|
| 1-YR PTP PARTICIPATION RATE (S&P 500®) | 42% | 37% | |||
| 1-YR PTP VOLATILITY CONTROL (ML Strategic Balanced Index®) | 110% | 85% | |||
| FIXED RATE | 4.20% | 3.95% |
| OptiBlend 5 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
 | 1-YR PTP CAP (S&P 500®) | 8.50% | 7.50% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Lower In: CA |
|
| 1-YR PTP PARTICIPATION RATE (S&P 500®) | 55% | 45% | |||
| 1-YR PTP 10% RISK CONTROL TRIGGER (S&P 500®) | 9.50% | 8.25% | |||
| 1-YR PTP 10% RISK CONTROL 5-YR TRIGGER LOCK (S&P 500®) | 8.00% | 6.65% | |||
| FIXED RATE | 4.15% | 3.55% |
| Landmark 5 MVA | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A++|AA|97 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 9.25% | 8.75% | FREE WITHDRAWAL: 10% All Years Not Available: NY Rates Less In: AK, PA, UT |
|
| 1-YR PTP 5-YR CAP LOCK (S&P 500®) | 6.75% | 6.25% | |||
| 1-YR PTP RISK CONTROL (S&P 500®) | 70% | 65% | |||
| FIXED RATE | 4.00% | 3.80% |
7 YEAR
| Power 7 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 9.25% | 8.25% | FREE WITHDRAWAL: 10% after 1 Year Not Available In: NY |
|
| 1-YR PTP PARTICIPATION RATE (S&P 500®) | 42% | 37% | |||
| 1-YR PTP VOLATILITY CONTROL (ML Strategic Balanced Index®) | 110% | 85% | |||
| FIXED RATE | 4.25% | 4.00% |
| OptiBlend 7 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 9.50% | 8.25% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
| 1-YR PTP PARTICIPATION RATE (S&P 500®) | 58% | 50% | |||
| 1-YR PTP 10% RISK CONTROL TRIGGER (S&P 500®) | 9.75% | 8.50% | |||
| 1-YR PTP 10% RISK CONTROL 5-YR TRIGGER LOCK (S&P 500®) | 8.25% | 6.65% | |||
| FIXED RATE | 4.50% | 4.20% |
| American Legend 7 MVA | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A++|AA|97 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 10.00% | 9.50% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, PA, UT |
|
| 1-YR PTP 7-YR CAP LOCK (S&P 500®) | 7.25% | 7.00% | |||
| 1-YR PTP RISK CONTROL (S&P 500®) | 75% | 70% | |||
| FIXED RATE | 4.25% | 4.05% |
10 YEAR
| OptiBlend 10 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 9.65% | 8.50% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
| 1-YR PTP PARTICIPATION RATE (S&P 500®) | 60% | 55% | |||
| 1-YR PTP 10% RISK CONTROL TRIGGER (S&P 500®) | 10.00% | 8.75% | |||
| 1-YR PTP 10% RISK CONTROL 5-YR TRIGGER LOCK (S&P 500®) | 8.50% | 6.85% | |||
| FIXED RATE | 4.55% | 4.20% |
| Safe Return | $25,000+ | RATINGS - BEST|S&P|COMDEX A++|AA|97 | |||
|---|---|---|---|---|---|
| 1-YR PTP CAP (S&P 500®) | 8.00% | FREE WITHDRAWAL: 10% All Years Not Available: NY |
||
| 1-YR PTP PARTICIPATION RATE (iShares® US Real Estate) | 70% | ||||
| FIXED RATE | 4.25% | ||||
| VersaChoice 10 | $75,000+ | $20,000 - $74,999 | RATINGS - BEST|S&P|COMDEX A+|A+|88 | ||
|---|---|---|---|---|---|
 | 1-YR PTP CAP (S&P 500®) | 8.80% | 7.80% | FREE WITHDRAWAL: 10% After 1 Year Not Available In: NY Enhanced Liquidity Rider Available |
|
| 1-YR PTP RISK CONTROL (S&P 500®) | 120% | 95% | |||
| FIXED RATE | 3.10% | 2.85% |
FIXED MUTI-YR GTEE
Week of October 27, 2025
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3 YEAR
| Milestone Max MYGA 3 | Year 1-3 | Effective Yield | RATINGS - BEST| A- | ||
|---|---|---|---|---|---|
 | $75,000+ | 4.80% | 4.80% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CA, CT, ME, MT, NY, & VT |
|
| $25,000 - $74,999 | 4.55% | 4.55% |
| SecureGain 3 | Year 1 - 3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A++|AA|97 | ||
|---|---|---|---|---|---|
 | $100,000+ | 4.05% | 4.05% | FREE WITHDRAWAL: 10% All Years Surrender Length: 3 Years Not Available: NY Rates Different In: NJ |
|
| $25,000 - $99,999 | 3.70% | 3.70% |
| Guarantee Plus 3 | Year 1 - 3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|88 | ||
|---|---|---|---|---|---|
 | $100,000+ | 4.45% | 4.45% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $20,000 - $99,999 | 4.05% | 4.05% |
5 YEAR
| Milestone Max MYGA 5 | Year 1-5 | Effective Yield | RATINGS - BEST| A- | ||
|---|---|---|---|---|---|
| $75,000+ | 5.20% | 5.20% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CA, CT, ME, MT, NY, & VT |
|
| $25,000 - $74,999 | 4.95% | 4.95% |
| Focused Growth 5 | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
 | $100,000+ | 4.65% | 4.65% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $15,000 - $99,999 | 4.35% | 4.35% |
| Ultra-Premier 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|90 | ||
|---|---|---|---|---|---|
 | $25,000+ | 4.50% | 4.50% | Not Available: DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling |
| SecureGain 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A++|AA|97 | ||
|---|---|---|---|---|---|
| $100,000+ | 4.45% | 4.45% | FREE WITHDRAWAL: 10% All Years Surrender Length: 5 Years Not Available: NY Rates Different In: NJ |
|
| $25,000 - $99,999 | 4.10% | 4.10% |
| American Pathway VisionMYG | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| $100,000+ | 4.00% | 4.00% | Not Available In: N/A FREE WITHDRAWAL: 15% After 1 Year SURRENDER LENGTH: 10 Years Liquid on 5th Anniversary |
|
| $10,000 - $99,000 | 3.70% | 3.70% |
6 YEAR
| Palladium MYG 6 | First Year | Year 2-6 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A|75 | ||
|---|---|---|---|---|---|---|
 | $250,000+ | 9.40% | 4.40% | 5.23% | FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 10 Years Not Available In: UT & PR Rates Less In: NY |
|
| $100,000 - 249,999 | 9.25% | 4.25% | 5.08% |
|||
| $5,000 - $99,999 | 9.15% | 4.15% | 4.98% |
7 YEAR
| Milestone Max MYGA 7 | Year 1-7 | Effective Yield | RATINGS - BEST| A- | ||
|---|---|---|---|---|---|
| $75,000+ | 5.25% | 5.25% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CA, CT, ME, MT, NY, & VT |
|
| $25,000 - $74,999 | 5.10% | 5.10% |
| Ultra-Premier 7 | Year 1-7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|90 | ||
|---|---|---|---|---|---|
| $25,000+ | 4.65% | 4.65% | Not Available: DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling |
| Guarantee Plus 7 | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|88 | ||
|---|---|---|---|---|---|
| $100,000+ | 4.70% | 4.70% | Not Available In: CA, DE, FL, NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $20,000 - $99,999 | 4.40% | 4.40% |
| American Pathway VisionMYG | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| $100,000+ | 4.00% | 4.00% | Not Available In: N/A FREE WITHDRAWAL: 15% After 1 Year SURRENDER LENGTH: 10 Years Liquid on 7th Anniversary |
|
| $10,000 - $99,000 | 3.75% | 3.75% |
10 YEAR
| Focused Growth 10 | Year 1 - 10 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| $100,000+ | 4.35% | 4.35% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $15,000 - $99,999 | 4.05% | 4.05% |
