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Investments & Insurance Agency

 

MultiChoice IncomeXtra SM

A 10-year, 10% premium bonus fixed indexed annuity

MultiChoice IncomeXtra has a 10-year withdrawal charge schedule, liquidity options not seen anywhere else in the industry in a high bonus annuity, and has no forced annuitization—so there are no surprises at the end of the contract and you stay in control of your retirement income.

l 10% Premium Bonus for the first two contract years
l A 10-year withdrawal charge schedule
l 10% First Year Free Withdrawals
l Checkbook Access
l 20% Cumulative Free Withdrawals starting in Year 2
l 20% Home Health Care Waiver
l 100% Confinement & Terminal Illness Waivers
l 10 interest-crediting strategies; and the revolutionary
l LifetimePay and LifetimePay Plus Optional Income Riders

 

LifetimePay and LifetimePay Plus [forms MCAIR (Rev.10/06), MCAIR (Rev.9/07), MCAIRW (02/08) or state variation], optional riders for which an annual premium is charged, and MultiChoice IncomeXtra [form MCIX (01/08) or state variation], are issued by Aviva Life and Annuity Company, Des Moines, IA. Product features, limitations and availability vary by State; see the Product Disclosure for details. Bonus annuities may include lower caps, higher spreads or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature. Withdrawals in excess of the free amount are not credited with index interest for that term, are subject to withdrawal charges, premium bonus recapture charges and a market value adjustment, which are imposed retroactively if the contract is surrendered within 12 months of a free withdrawal & may result in the loss of principal if taken during the first 10 years of the contract. 20% Cumulative Withdrawal available if a free withdrawal was not taken in the previous contract year; waivers available after year 1; restrictions apply.

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