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    • Life of the Southwest


    RetireMax Millennium Plus

       (RETIRED)

    A Fixed Annuity with a 1-year fixed rate and a 10-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Moody's:  A2   Standard & Poor's:  AA-  

    Rates
    The interest rate is guaranteed for 1 years
    Surrender charges last 10 years
    		 Last Rate Change: xx/xx/xxxx
    Next Rate Change: xx/xx/xxxx
      Previous Rates
    xx/xx/xxxx    		 Current Rates
    xx/xx/xxxx
      RateBonus Yield to
    Surrender    		 RateBonus Yield to
    Surrender
    Band 5,000+   ****   *****   *****   ****   *****   ***** 


    Premium Bonus
    - none -

    Policy Notes

    You’ve worked hard and steadily stashed away savings. But your retirement dream can turn into a nightmare if --[ subscription required to view full text ]--
    ***’** ****** **** *** ******** ******* **** *******. *** **** ********** ***** *** **** **** * ********* ** *** *** ** ********* **** *******. ** **** ********** ***** *****, ****** *** ****** ** ********** **** ****** **** ******** ***********. *** **’* ********* **** ****** ******** *** ******** *** ******** **** ******.
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    ********** **** *** **********
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    ***-******** ******
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    • *** **** ******** ** **** *******;
    • *** **** ******** ** **** *********** ********;
    • *** **** ******** ** *** ******** **** ***** ******* ** **** ** *****.

    *********® ********** **** *** ** ********* ** * ********* ** ************ *******.

    ************* **** ******
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    *% ********** ********
    ** ********* *** ******* **** ****** **** * *****-**** **** *% ****** **** *** ******** **** ********** ** *** ****** ****. **** ******, ***** ***** *** ***** **********. ****, ******** **** ** ******** ******** *** ******** *****. **** ** ***** **** ******, ** **** ***** *** ******* ******** **** ** **** ******, ***** ** ********** *** *** **** ** *** ******. *** ******* ******** **** ** ***** ** * ******* *********** ** ********** ********** ** **** ***** *** **** ** ******* *% *** *%. *** *** ******* ******* ********** ******** ****, ******* **** ***** ** ***.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    Commissions
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    ‡ First-year commissions are based on premiums received and credited during the first twelve months (first year) of the annuity contract. Renewal commissions are based on premiums received in subsequent years. Both first year and renewal commissions exclude premiums returned or not taken for any reason. If any employer requires the waiver of any amount of Withdrawal Charge as a condition to transacting business with that employer, LSW will reduce commissions --[ subscription required to view full text ]--
    ‡ *****-**** *********** *** ***** ** ******** ******** *** ******** ****** *** ***** ****** ****** (***** ****) ** *** ******* ********. ******* *********** *** ***** ** ******** ******** ** ********** *****. **** ***** **** *** ******* *********** ******* ******** ******** ** *** ***** *** *** ******. ** *** ******** ******** *** ****** ** *** ****** ** ********** ****** ** * ********* ** *********** ******** **** **** ********, *** **** ****** *********** ** ** ****** ***** ** *** ********** ******* ** *** ********** ****** ** ******, *** ***** ** ****** *** ********** ****. ***** **** *** ******* *********** ***** *** ***** ***********. ****** *********** **** *** ******* ** *** *********** ** ******* **** **** ** *** ******* ****** ** *** ***-****** ** ***-********.

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    **-** (****)


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