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Fixed annuities allow you to protect assets from market volatility. These contracts with an insurance company often pay you an agreed-upon percent for a guaranteed number of years. Withdrawals may be subject to surrender charges during the early years of the contract, and funds withdrawn from any annuity prior to age 59 1/2 may be subject to a 10% IRS penalty.
Rates shown are for illustrative purposes only and are not intended to be a solicitation for a specific insurance product. Please consult a qualified professional to determine which strategies or investments may be suitable for you.
3-Year Guarantee Period (Minimum Premium: $100,000)
5-Year Guarantee Period (Minimum Premium: $100,000)
Rates effective 6/1/2023. Initial rates offered are subject to change. Please contact your TCU Investment Services Representative at (800) 756-6210 for more information.
The rate is as of June 1, 2023 for premiums of $100,000 or more and is subject to change. Products are offered through Delaware Life Insurance Company, www.delawarelife.com, which is unaffiliated with TCU Investment Services. Renewal rates may be different than those listed. Annuities are long-term financial vehicles designed for retirement purposes. Withdrawals in excess of the 10% penalty-free amount beginning in year two, will incur a surrender charge and market value adjustment, if applicable. Withdrawals before age 59½ are taxed as ordinary income and may be subject to a 10% federal tax penalty. The policy may not be available in all states, and product features may vary by state. Current yield applies when held for the entire guarantee period. Surrender value will not be less than the minimum value required by your state. Apex MYGA® has age eligibility requirements, minimum premium amounts, systematic withdrawal limits, and qualifying requirements for waiver of withdrawal and surrender charges. For complete details, including limitations and exclusions, ask your financial professional or refer to the Apex MYGA® product brochure. Delaware Life Insurance Company (Waltham, MA) is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. Guarantees are based on the claims paying ability of the underlying insurance company and are not FDIC insured. **CDs are FDIC insured. This communication is for informational purposes only. It is not intended to provide, and should not be interpreted as individualized investment, legal or tax advice. To obtain such advice, please consult with an appropriate professional. © 2023 Delaware Life Insurance Company APRATE23AD 2022110010 EXP 11/23
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. TCU Investment Services and Teachers Credit Union (TCU) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using TCU Investment Services, and may also be employees of TCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, TCU or TCU Investment Services. Securities and insurance offered through LPL or its affiliates are:
Your Credit Union ("TCU") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay TCU for these referrals. This creates an incentive for TCU to make these referrals, resulting in a conflict of interest. TCU is not a current client of LPL for advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more information.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Teachers Credit Union is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of Teachers Credit Union.