BAA Series Annuity Highlights (non state specific)
- 8, 10, or 12 year design
- Uncapped growth potential on a two year reset period
- Interest earned is as easy as A+B-C (S&P 500 + Fixed Interest - Fees)
- No market risk whatsoever
- This product cannot be sold by most advisors, even Aviva advisors
- Aviva is a solid A (AM Best) rated company
- 8 patents and 5 pending patents on these products
- Income, Bonus and Death Benefit optional riders for annual fee
- All rider fees waived if you don't earn interest
- Daily tracking of account value
- Annual statements
- 5% 1st yr free out, 10% per yr thereafter
- Free outs and death benefit based on daily value
- Optional 4% bonus for annual fee
- Income rider roll-up rate is minimum, rather than the maximum available
- Income is doubled if you qualify for nursing home exception
- RMD advanataged withdrawals with death benefit rider