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    • RBC Insurance


    Value Master SPDA

       (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-   Fitch:  A-  

    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+   ****   *****   *****   ****   *****   ***** 

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    A fixed Deferre --[ subscription required to view full text ]--
    * ***** ******** ******* **** * ********** ***** **** ******** **** *** * **-**** ********* ****** ******. **** **** ** **** ***** ** *** ********* **** ** ****** ** **** **** *** ******* ** ******. *** ******* **** *** ** ****** ** ***** **** *** ******* ******** **** *** ***** **** **** *.*%.

    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 ***** ** *** ****** ****
    *****************: **** ****** **** *****

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

    State Specific Notes

    The NON MVA --[ subscription required to view full text ]--
    *** *** *** ******* ** *** ******* ** ****** **: **, **, **, **, **, **, **, **, **, **
    ******** ******* *** ********* ** ** *** **.
    *********** ****** *** ********* ** **.
    *** ******* ** *** ******* ********.

    MVA Explanation
    Not available in TX PA IN MD OR SD UT VT WA

    An MVA is an adjustment made to the accumu --[ subscription required to view full text ]--
    ** *** ** ** ********** **** ** *** ************ ***** **** *********** ** ****** ** *** *******’* **** ********** ********** *** ***** ** *** ***** ** ******** ***** ** ** *** ******** ** *********** *****. *** *** ******** *** ****** ** ******** ***** **** *** **** *** ******* ** ********* ** *** **** *** ********** ** ****. ** *******, ** ******** ***** **** ********* ** **** **** */*%, *** *** **** ******** *** ************ *****. ** ******** ***** **** ********* ** **** **** ********* ** **** **** */*%, *** *** **** ******** *** ************ *****. *******, *** *** ** ****** **** ***** ****** *** ***** ** ** ******* ***** *** ******* ****, **** *** ******** ***********, ********** ********** ******* *** ******* *****, **** ******** ****** ** *%. (**** ******* *** ********* ** ***., ***., **., ***., **., *.*., *****, ****, **. *** ****.)

    Commissions
    Effective date of commission schedule: 06/14/2010
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    The Company may charge back 100% of commissions paid under this agreement.

    1. on premiums --[ subscription required to view full text ]--
      *** ******* *** ****** **** ***% ** *********** **** ***** **** *********.

      1. ** ******** **** *** ******** ***
      2. ** ******** *** *** **** ** * ******** **** ** ********* ** *** ***** ** ********** *** *** ******.

      ** ********, ** * ******** ** ********** *** *** ****** ** *** ***** ******** ****, *** ******* *** ****** **** * ******* ********** ** *********** **** ** ******** **** *** **** *** *** ********, ***** ****** ** *** ***** ** ******** *********** ** *** ***** ** *** ********* *****:

        **** ********* ************* ******* ********** *****
      *** ******* ******** ***** * ******:***%
      ****** * ******: **%      		 ***** ** ******:***% ***** * ******:***% ***** * ******:***%
      ****** * ******: **%


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