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Product Details
FIA Plus 10 Premium Bonus
Company social profile:
Product Name
FIA Plus 10 Premium Bonus
Annuity Type
FIA
Issuing Insurance Company and Ratings
Ibexis Life & Annuity Insurance Company
Ratings
Product Information
The FIA Plus 10 Premium Bonus is a single premium deferred annuity with a 10 and a Market Value Adjustment provision. The FIA Plus 10 Premium Bonus provides a one year Premium Bonus of 17.5%. However, the FIA Plus 10 Premium Bonus also adds innovative flexibility to allow contract owners to manage their risk preferences over time. Once a client has sufficient gains in their contract, they can choose to move their index allocations to lower Floors, which possess higher index-linked rates. The contract would not allow a client to choose a Floor where a full loss (down to the Floor amount) would pierce their initial premium. Contract gains determine Floor availability. The rates available in the Lower Floors are above and beyond what’s available in traditional accumulation based FIAs. Clients can make index and Floor selections each contract anniversary and there is no fee for any functionality available in FIA Plus 10 Premium Bonus.
Key Features
Premium Types: Single
Minimum Premium: 25,000
Maximum Premium: 1,500,000
Free Look Period: 30 Days
Rate Lock Period: 14 Days
Tax-Qualified: IRA, NonQual
Rates
Effective Date: 21/08/2025
Initial Guarantee Period: N/A
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Non-Qual, Qualified
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in AL CA GU NJ NY PR VI VT WI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $5,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $1,000
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): Owner: 82, Annuitant: 82
Premium Limits: Non-Qual, Qualified
State Restrictions: Not available in AL CA GU NJ NY PR VI VT WI
