Total Command Flex

Total Command Flex is a flexible premium deferred annuity that allows you to craft the features of the annuity to perfectly suit the needs of your client.

Unlike conventional annuities that require clients to buy a bundle of features they may not want or need, Total Command Flex gives you the power to mix and match. By adding only the features your client really needs, you can optimize the balance of liquidity and return – and matching the product with the needs of your client.

Most annuities require you to sell a “bundle” of features, even if they’re not something your client needs. Total Command Flex is designed as a high-value, long-term savings vehicle, and if your client needs liquidity options they can be added by contract rider at the cost of a slight decrease in credited interest rate.

The optional riders include:

• Terminal Illness/Nursing Home
• Account Value on Death
• 10% Free Withdrawal
• Preferred 10% Free Withdrawal
• Required Minimum Distribution
• Accumulated Interest Withdrawal
• 72(t) Withdrawal

With Total Command Flex, you can add only the features your client truly values and is willing to pay for.