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Product Details
WealthDefender Bonus 7 CA
Company social profile:
Product Name
WealthDefender Bonus 7 CA
Annuity Type
FIA
Issuing Insurance Company and Ratings
Ibexis Life & Annuity Insurance Company
Ratings
Product Information
The WealthDefender Bonus 7 CA is a single premium deferred annuity with a 7-year surrender charge period featuring: Multiple index options and one fixed interest rate option. It also has a First Year Premium Bonus of %. Fixed Interest Strategy: Initial premium may be allocated to the Fixed Interest Strategy and will earn a stated annual interest rate. Interest in the Fixed Interest Strategy is compounded and credited to the Fixed Interest Strategy daily. The Fixed Interest Strategy is offered in a 1-year index term. Index-Linked Strategy: Initial premium may be allocated to any of the five available Indexed Interest Strategies. Interest is credited at the end of the index term (1-year and 2-year terms offered) based on positive changes in an external index. Interest credits are subject to a Cap Rate or Participation Rate, which can be reset at the end of the Index Term. Interest can never be less than 0%. The Premium Bonus is equal to the initial premium multiplied by the Premium Bonus Percentage. The Premium Bonus may vary by Issue Age. Products with a Premium Bonus may have a lower cap rate or lower participation rate.
Key Features
Premium Types: Single
Minimum Premium: 25,000
Maximum Premium: 1,500,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Tax-Qualified: IRA, NonQual, Pension, IRA Transfer, IRA Rollover
Rates
Effective Date: 01/03/2026
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%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Flexible Premiums Not Accepted. Maximum Premium is set without prior company approval.
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
N/A
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: Flexible Premiums Not Accepted. Maximum Premium is set without prior company approval.
State Restrictions: Only available in CA
