Annuities

Earn 8.00% first year!*

The PFA Flexible Premium Annuity pays a competitive interest rate, and has a minimum interest rate that is guaranteed as long as your contract stays in force.

• Minimum deposit to begin is $1,000
• Issue ages 18-85
• Interest accumulates on a tax-deferred basis
• Additional contributions can be made up to $25,000 per year
• Up to 10% of your account balance may be withdrawn each year with no penalty
• Avoids probate
• No administration fees
• Interest rate is subject to change, but not less than the minimum guaranteed rate
• Surrender term – 9 years
• Plans can be used to open a Traditional Qualified-IRA or Roth IRA

*Conditions apply. The first year declared interest rate is guaranteed for the first contract year only. After the first year, the interest rate is based on the 9-Year Flexible Premium Deferred Annuity Rate (currently this rate is 4.0%). The minimum guaranteed interest rate for the contract is 3.0%. Polish Falcons of America and its agents do not provide tax, legal or investment advice. Products may not be available in all states.

Earn 7.00% first year!*

The PFA Flexible Premium Annuity pays a competitive interest rate, and has a minimum interest rate that is guaranteed as long as your contract stays in force.

• Minimum deposit to begin is $1,000
• Issue ages 0-85
• Interest accumulates on a tax-deferred basis
• Additional contributions can be made up to $25,000 per year
• Up to 10% of your account balance may be withdrawn each year with no penalty
• Avoids probate
• No administration fees
• Interest rate is subject to change, but not less than the minimum guaranteed rate
• Surrender term – 5 years
• Plans can be used to open a Traditional Qualified-IRA or Roth IRA

*Conditions apply. The first year declared interest rate is guaranteed for the first contract year only. After the first year, the interest rate is based on the 5-Year Flexible Premium Deferred Annuity Rate (currently this rate is 4.0%). The minimum guaranteed interest rate for the contract is 3.0%. Polish Falcons of America and its agents do not provide tax, legal or investment advice. Products may not be available in all states.

Plan Options:

• 2 year surrender – current interest rate of 4.50%
• 3 year surrender – current interest rate of 4.75%

The PFA Safeguard CD Annuity offers a guaranteed fixed interest rate for a chosen period of 2 or 3 years. That means the interest rate will not change during that time.

• Minimum deposit is $5,000
• Issue ages 0-90
• No additional contributions are allowed during the accumulation period
• No administration fees
• Withdrawal of funds prior to maturity is subject to surrender charges

Current Crediting Rate: 3.00%

The PFA Starter Annuity pays a competitive interest rate, and has a minimum interest rate that is guaranteed as long as your contract stays in force.

• Minimum deposit to begin is $500
• Issue ages 18-90
• Interest accumulates on a tax-deferred basis
• Additional contributions can be made up to $25,000 per year
• Up to 10% of your account balance may be withdrawn each year with no penalty
• Avoids probate
• No administration fees
• Interest rate is subject to change, but not less than the minimum guaranteed rate
• Surrender term – 9 years

Annuities can be set up as Individual Retirement Accounts.

IRA – Contributions to an IRA are set aside on a pre-tax basis. The interest in your account grows tax-deferred, which means you only pay taxes when funds are withdrawn. In addition, deposits to an IRA may be tax-deductible depending on your circumstances. When you reach 59 ½ years of age, you can access your money without any IRS penalties.

Roth IRA – Contributions to a Roth IRA are made in after-tax dollars, which means you pay taxes up front. You can withdraw your contributions at any time, for any reason, without tax or penalty. Earnings in your account grow tax-free, and there are no taxes on qualified distributions.

We strongly suggest you seek the advice of a tax specialist before making a decision about an IRA, Roth IRA or regular annuity account.