Product Details
Product Name
Power Index 5 NY
Annuity Type
FIA
Issuing Insurance Company and Ratings
The United States Life Insurance of New York
Ratings
A.M. Best
A
3rd of 15
Standard & Poor's
A+
5th of 22
Fitch
A+
5th of 19
Product Information
The The United States Life Insurance Co. (NY)’s Power Index 5 NY is a Single Premium Deferred Index Annuity with a 5-Year Surrender Charge period.
Key Features
Premium Types: Single
Minimum Premium: 25,000
Maximum Premium: 2,000,000
Free Look Period: 20 Days
Rate Lock Period: 75 Days
Tax-Qualified: IRA, NonQual
Rates
Effective Date: 01/04/2026
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%
Effective Date: 01/04/2026
Next Change: N/A
Initial Guarantee Period: N/A
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Requires prior company approval if total of all contracts issued to the same owner and/or annuitant exceeds $1M.
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
Only available in NY
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 : $2,500
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): 85
Premium Limits: Requires prior company approval if total of all contracts issued to the same owner and/or annuitant exceeds $1M.
State Restrictions: Only available in NY