Whole life insurance is an option for those looking for a guaranteed return on their investment and those who want to provide financial protection for their loved ones in the event of their death. This means that no matter what happens in the market, you will continually earn the same interest rate on your investment. This has been an issue in 2022, as inflation has soared to highs not seen in decades. This article will provide an overview of the different types of guaranteed interest accounts, their advantages, and tips for choosing the best option. l&duP{(We{{h&YF^9.4Uw`Nk{ These plans offer a set rate of return on your investment, so you can be sure that youll get your money back plus interest providing financial security. It is composed of different assets such as stocks, bonds, cash etc. Equitable Life Savings & Retirement Webinar Series welcomes Mackenzie Ivy Global Balanced. What is the procedure for Foreign Investors to invest in the Money Market Fund? Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. Can I Lose My Retirement Savings In A Stock Market Crash? Youll also want to consider the length of the plan. A guaranteed interest account, also known as a GIA, is a type of savings account that offers guaranteed interest rates for a set period of time. Clients may however invest directly in Eurobonds or US Treasuries if they would prefer to invest in US Dollars. axa guaranteed interest account. What are the advantages of investing in the Money Market Fund? ,vsKO*l! GIAs are also Tax-Free Savings Account (TFSA) eligible. Postponed Fixed Interest Date means the tenth Business Day following the originally scheduled Fixed Interest Date; Guaranteed Debt of any Person means, without duplication, all Indebtedness of any other Person referred to in the definition of Indebtedness contained in this Section guaranteed directly or indirectly in any manner by such Person, or in effect guaranteed directly or indirectly by such Person through an agreement (i) to pay or purchase such Indebtedness or to advance or supply funds for the payment or purchase of such Indebtedness, (ii) to purchase, sell or lease (as lessee or lessor) property, or to purchase or sell services, primarily for the purpose of enabling the debtor to make payment of such Indebtedness or to assure the holder of such Indebtedness against loss, (iii) to supply funds to, or in any other manner invest in, the debtor (including any agreement to pay for property or services without requiring that such property be received or such services be rendered), (iv) to maintain working capital or equity capital of the debtor, or otherwise to maintain the net worth, solvency or other financial condition of the debtor or (v) otherwise to assure a creditor against loss; provided that the term "guarantee" shall not include endorsements for collection or deposit, in either case in the ordinary course of business. 1. We will not limit or terminate allocations to the Guaranteed Interest Option unless so provided in the Data Pages. To make a contribution to your AXA Mansard Investments Fund, you can use any of the following channels: To access the statement of accounts for your AXA Mansard Investments Fund, log on to your www.axamansard.com account. ? Fixed annuities offer 3 percent guaranteed returns, higher than what you would get from a bank savings account. FDIC.gov (2022, Sept 13) Deposit Insurance At A Glance. Some guaranteed return investments, such as annuities, may have high fees and expenses that can eat away returns. A fixed annuity is an insurance product that can be used as an investment or retirement savings tool. ^8JC!T|sxQUSyjO?L3TNVA7>|oy>TW+[NU+e{zeUmFHH(IHHt7AzO7~2,/wS;CEu"'C% kV>oA;9l(~oy\+7: kir@'$,VUjo]Uyj&Q4=ijVxgu)_]`Md This is because the financial strength and credit of the life insurance company backs them. The amount of any Guaranteed Indebtedness at any time shall be deemed to be an amount equal to the lesser at such time of (x) the stated or determinable amount of the primary obligation in respect of which such Guaranteed Indebtedness is incurred and (y) the maximum amount for which such Person may be liable pursuant to the terms of the instrument embodying such Guaranteed Indebtedness, or, if not stated or determinable, the maximum reasonably anticipated liability (assuming full performance) in respect thereof. 1lJKaVqM8/!M-]skv])b No, you cannot lose money with a fixed annuity if the insurance company that issues the annuity is solvent. GoodFinancialCents partners with outside experts to ensure we are providing accurate financial content. can you get drunk off margarita mix. He was a financial planner for 16+ years having founded, Alliance Wealth Management, a SEC Registered Investment Advisory firm, before selling it to focus on his passion - educating the masses on the importance of financial freedom through this blog, his podcast, and YouTube channel. MVAs allow the account holder to receive a higher interest rate if market interest rates go up. Why is my money not reflecting in my account and what do I need to do? While a practicing financial advisor, Jeff was named to Investopedia's distinguished list of Top 100 advisors (as high as #6) multiple times and CNBC's Digital Advisory Council. You can stay in the Fund for as long as you desire. The most common investments offering a guaranteed rate of return include high-interest savings accounts, certificates of deposit, T-Bills, and government and corporate bonds. endstream endobj 91 0 obj <>stream AXA Mansard is a member of the AXA Group, the worldwide leader in insurance and asset management with 166,000 employees serving 107 million clients in 64 countries. They allow the investor to make contributions to the annuity over a certain period, often many years, before starting to receive the guaranteed income payments. Notice is hereby given to the general public that AXA Mansard has no affiliation Main Office: 602-364-3863. Some guaranteed return investments, such as CDs and bonds, may be considered low-risk, but they still carry some risk. However, even though these investment strategies are considered low risk, they can still lose value if the company defaults on the bond payments. 8WI_gu"CHf N.t`C]xoO87y3.3Jd! Is there a guaranteed return rate for the Equity Income Fund? Additionally, the interest earned on Treasury bonds is exempt from state and local income taxes. Non-Guaranteed Elements means the premiums, credited interest rates (including any bonus), benefits, values, dividends, non-interest based credits, charges or elements of formulas used to determine any of these, that are subject to company discretion and are not guaranteed at issue. My former role was training financial advisors, including for a Fortune Global 500 insurance company. Equitable Life call (800) 777-6510. 0000000516 00000 n Some longer-term plans are also available, offering over four percent returns. Here are 8 of the best guaranteed interest investments available today. We will credit your registered account number within 2-5 working days from when you send in the instruction (via the website, MyAXA App or *987#) and all outstanding documents are in place. U;jUKmph>Mdkbdj\]PLc{H.{O~>Pg>vIyVe)Rbt4Q~AEPZGwA)l40s%4*_VA[?2 IGKk8x#>X$vjcjJ 1e8Ag!fowJ+8+YEqibBvE First, youll want to look at the guaranteed interest rate being offered. Access to your Individual Investment and Insurance policy information such as account activity, balances, coverage and payment details. Find the highest interest rates for your savings ranging from 3 months to 5 years. Content is based on in-depth research & analysis. Any amount held in the Guaranteed Interest Option becomes part of the assets in our general account, which supports the guarantees of the Contract and other contracts. They can provide a steady income stream and be a good addition to a diversified portfolio. Jeff Rose, CFP is a Certified Financial Planner, founder of Good Financial Cents, and author of the personal finance Colin Graves is a personal finance writer and editor with a client list that includes some of the most prominent GoodFinancialCents has an advertising relationship with the companies included on this page. This makes them an attractive option for savers who want to know exactly how much interest they will earn over a set period of time. The Fund Manager will pay dividends (accrued interest) and distributes this on a quarterly basis. Separate Account Charges: This is what the AXA Variable Annuity calls the M&E or mortality and expense fee at 0.95%, and they add another 0.25% for a total fee of 1.20%. 47, if applicable). 'jGiy=+pOt(RJAt@9.f4V\XO&A@)h1cq*E4BU6VfAel(!'heNVbTi| VG4=ph/WQVY6;K6Z[dZ. The main risk of guaranteed return plans is that your money is locked into the investment for a set period of time. Our expert reviewers hold advanced degrees and certifications and have years of experience with personal finances, retirement planning and investments. Jeff Rose, CFP is a Certified Financial Planner, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Typically, a guaranteed interest account has terms of 5 years or more, and the interest rate is locked in for the entire term. Who Are Guaranteed Return Investments Designed For? Guaranteed Interest Option: An Investment Option that is part of Equitable's general account. Therefore, a guaranteed interest account may be the right choice if you want guaranteed growth with little risk. The income payments are typically received after the annuitant reaches a specific age, such as retirement age, and are guaranteed for a defined number of years or the remainder of the annuitants lifetime. I currently have a 403b with AXA that contains a Guaranteed Interest option that pays 3%. The Money Market Fund is a type of Mutual Fund. Mutual funds are not guaranteed. *The low interest rate environment has limited the return on the DIA. Its important to note that not all investment plans offer a guaranteed return. High-yield savings accounts offer a higher interest rate than traditional savings accounts. What do I need to do? Any person who With an annuity, you can choose to receive payments for a set period of time or the rest of your life. CDs typically have terms of six months to five years and often offer higher interest rates than savings accounts. What is the minimum initial amount I need to invest in the Equity Income Fund? All investment contributions made before 2pm on business days will reflect on your dashboard by the evening of the same day. The principal and interest on TIPS are adjusted for inflation, meaning that the value of the bond increases with the rate of inflation, protecting the investors purchasing power. Try our most frequently asked questions Chat with our advisor to get products tailored for you, Reach us through any of the following channels, You can also request for a call from one of our Agents, please provide your details below. A high-yield savings account may be a good option if you want a safe investment with a guaranteed return. They are considered a low-risk investment option as they are typically backed by the full faith and credit of the insurance company issuing the annuity. I have changed my name and want to effect this change on my AXA Mansard Investments Fund details. Examples include government bonds and annuities. Therefore, you may be penalized if you need access to your money before the end of the term. The interest rate on most high-yield savings accounts is can be subject to change as there is no locking-in period or fixed term, as with a CD. Deferred Interest Payment Date means the day falling five Payment Business Days following the Determination Date determined pursuant to paragraphs (i) or (ii)(b) of the definition of Determination Date. endobj It aims to optimize returns on free cash flow offering returns that outperform regular savings accounts. where you receive a more Who manages the AXA Mansard Equity Income Fund? Ideal for retirees, this investment provides guaranteed income with the interest earned deposited directly to your bank account on a monthly or annual basis the choice is yours. This means that the interest rate on your investment is locked in for the plans duration. Your funds can be liquidated at any time. A guaranteed income fund is an investment account that offers a guaranteed income stream in retirement. AlRA5N X>7OL:>ijM Rz} @sz+_Wh'LW A)&L_NLpV>Ip) ,GiXkvTvTtq-p Deferred Interest shall have the meaning set forth in Section 4.1. Guaranteed Distributions shall not include, nor shall coverage be provided under this Policy in respect of, any taxes, withholding or other charge imposed by any governmental authority due in connection with the payment of any Guaranteed Distribution to a Holder, any Relief Act Interest Shortfalls, any Prepayment Interest Shortfalls or any Net WAC Rate Carryover Amounts that may be incurred on or that may be payable to the Certificates; provided, further, however, that in no case shall Financial Security be required to pay hereunder any unscheduled principal related to Realized Losses allocated to the Certificates under this Policy until the Parity Date. As a result, you may incur penalties if you need access to your money before the end of the term. axa guaranteed interest accountone vote less political cartoon. If you continue without changing your 82 0 obj <> endobj Accreted Interest Interest accrued on a Loan that is added to the principal amount of such Loan instead of being paid as it accrues. How Does A Guaranteed Interest Account Work? Guaranteed Payment means, for each Lease that is a TRAC Lease included in the Series 2014-1 SUBI, the amount fixed by the related Obligor and the Titling Trust, at the inception of such Lease to be owed by the related Obligor to the lessor at the expiration of the term of such Lease. The Fund is managed by skilled and experienced Portfolio Managers at AXA Mansard Investments. Guaranteed funds are investment accounts that offer a guaranteed rate of return. Your funds can be liquidated at any time. Find the highest interest rates for your savings ranging from 2 to 10 years. Investment Options: The Variable Investment Options, the Guaranteed Interest Option and the Stable Value Fund (Separate Account No. Interest Option has the meaning given such term in Section 2.5(c). localiapstore repo reddit; amethyst wolf meaning; accident in west sussex today; axa guaranteed interest accounttexas rent relief status wotexas rent relief status wo You will be required to provide an estimate of repairs, picture of the damaged vehicle showing the plate number as well as third party details where applicable. However, annuities are expensive investments with high fees, and you may not get the full benefit if you pass away too early. corporate name 'Guaranty Trust Assurance'. Retrieved from You are advised to view the Equity Income Fund as a long term investment as it is very volatile but tends to outperform the money market fund in the long term. In addition, fixed-indexed annuities offer guaranteed returns with a premium bonus. j=U#j tY]PwMNgf| 3+0Sj`c"|_Y]=({=XdKcZ7{0)Y)TBq*Nz2&ar!]Ta#lWCgW*{ Cj!"BhP@K mPivEX[8}2hgA0hZ1b`+K!/:|;{A I affirm that I am aware and take cognizance of my rights under the relevant Data Protection Laws in Nigeria and other terms detailed in the Data Protection and Privacy Policy of AXA Mansard available on. What other investment options does AXA Mansard Investments offer? Anywhere! What does the AXA Mansard Money Market Fund invest in? Forgot your username or password? To check your AXA Mansard Investments account balance, simply log on to your www.axamansard.com account. These are annually compounded interest accounts with terms from 1 to 10 years, which you can invest in a GDA for as little as $500. So if youre looking for a guaranteed return on your investment, be sure to ask about the guarantee before investing any money. Alternatively, you can dial *987# and follow the prompts to retrieve your available balance. Alternatively, you can send an email request to clientservices@axamansard.com. Is there a guaranteed return rate for the Money Market Fund? You can stay in the Fund for whatever length of time you desire, the interests are accrued on a daily basis. The interest rate on Treasury bonds is guaranteed for the bonds term, typically 10 or 30 years and the interest is paid to the bondholder every six months. 92 0 obj <>stream Who can invest in the Equity Income Fund? By proceeding, I hereby consent to the collection, processing, use and the transfer of personal data to third parties (within or outside Nigeria), for the performance of this contract and any other data processing activities which may arise therefrom between myself and AXA Mansard (AXA Mansard). This is what would be the bond portion of my 403b and represents 40% of my account value. How do I go about it? The Fund assets are denominated in Naira, as such, capital inflows by foreign investors who subscribe to the Fund shall be converted to Naira at the exchange rate as advised by the Fund Managers Bankers. Momentum sm call (800) 821-7777. Equitable Life Savings & Retirement Webinar Series welcomes Mackenzie Global Strategic Income. Some institutions have a minimum balance requirement; If the balance falls below, the rate may decrease, or the account may be closed. Has market volatility given you cold feet about investing? Equity Income Funds are more suitable for investors who are willing to take higher risk to For a corporate account, we will require passport photographs and ID cards of the signatories as well as the incorporation/registration documents, Board Resolution and Utility Bill. axa guaranteed interest account. A guaranteed interest accounts main benefit is providing peace of mind in uncertain economic times. We may earn a commission when you click or make a purchase from links on our site. Of course, annuities are the best-guaranteed income plans, but other options, such as government bonds, are also available. We believe that investors in insurance linked securities (ILS) and collateralized reinsurance will need to play an increasingly important role in the reinsurance market. Sign in to submit an EZClaim, review coverage and access valuable health resources. The underlying assets include treasury bills, fixed deposits, and commercial paper with high credit rating No, there is no guaranteed return rate. Home; About Us; Crystal Palace Yorkies; Contact Us; axa guaranteed interest account The rate of interest is guaranteed and will not change, regardless of the stock markets performance or other economic conditions. Some guaranteed return plans have high fees, which can affect your earnings. Most high-yield savings accounts are FDIC-insured, which means your money is protected if the bank fails. On the AXA Mansard website www.axamansard.com, click on Forgot Password and follow the prompts to reset your password. hb```tfnW^e`e`c`a8 [nN5n_9K#n{)Uq]m]W#s?wgu7x)rQ8""4!+K3F!GGC^2 In addition, the interest rate on a bank-brokered CD is guaranteed for the term of the CD, which means that even if interest rates fall, the rate on your CD will not change. Additionally, these types of investments can be volatile in the short term. 497 1 d845658d497.htm SEPARATE ACCOUNT FP OF AXA EQUITABLE LIFE INSURANCE CO AXA Equitable Life Insurance Company . and is best suited to long term investors with a relatively high appetite for risk. GDAs are a great way to earn a competitive interest rate and safely grow your savings. The Guarantors obligations to the Secured Parties under this Guaranty Agreement are hereinafter collectively referred to as the Guarantors Obligations and, with respect to each Guarantor individually, the Guarantors Obligations. You can invest in annuities or government bonds, which offer a guaranteed rate of return. A minimum guaranteed interest rate is the lowest rate of return that an investment account can earn. We will credit your registered account number within 24 hours from when you send in the instruction (via the website, MyAXA App or *987#) and all outstanding documents are in place. Another option for guaranteed return plans is a fixed annuity. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Yes, some investments come with a guaranteed return. There is no guaranteed return rate for the Fund. Annuities are designed for long-term savings and provide a secure retirement income. What Are The Best Investments With Guaranteed Returns? The interest rates on TIPS are fixed and paid every six months, and the bond matures in 5, 10, or 30 years. However, you can invest in stocks or mutual funds that have the potential to provide you with a higher return. Our GIAs provide security of principal with a guaranteed rate of return. +]vA=(:r=CZrqCNY-> This rate is guaranteed for a specified period. For this reason, they are often best suited for long-term investment goals. w>Ft;k}a~jJ:q':5,Ag |YO~g|88I*khzgP=IUzp(hoz=+Z6.5wVxC~8V71BbSstbBSZ+Cyw3c-ig7 Fill in your information and follow the prompts. The Fund invests in money market securities which include Treasury Bills, Fixed Deposit and guaranteed Commercial Papers. A Guaranteed Interest Account (GIA) is an ideal account for saving toward a special purchase, creating an emergency fund, a guaranteed holding of your investment portfolio and even guarding against market volatility. zillow off grid homes for sale montana; what channels can i get on roku in canada; romeo community schools calendar; stuyvesant high school football; how loud is a starter pistol. When an investment is described as having a guaranteed return, the investor is promised a specific interest rate on their money. They are considered a low-risk investment option, as the principal investment is FDIC-insured up to $250,000 per depositor, per institution, in case of bank failure. Unit holders, upon subscription shall have the option of the accrued interest paid into their designated bank account or reinvested which means that the income will added back to the principal. What are the requirements to open a Money Market Fund account? Equitable Life Savings & Retirement Webinar Series features Global Equity Investing Using a First Principles Approach, CapIntel Partners with Canadian Financial Services Leader Equitable Life to Enhance Experience for Financial Advisors and Customers, Anytime. The higher the interest rate, the more money youll earn on your investment. But with so many options, its important to research, compare products and select an investment that fits your risk tolerance level and goals. This can provide a sense of security for anyone concerned about market fluctuations and who wants to ensure a steady return on their investment. There is no minimum withdrawal amount from the Fund. Fixed annuities are offering the highest interest rates right now. The primary benefit of an annuity is that it provides a reliable income stream during retirement. There is no guaranteed way to get a return of precisely ten percent. What Are The Best Investments With Guaranteed Returns? They are considered to be a low-risk investment option as they are issued by the U.S. government and are backed by the full faith and credit of the United States. How To Budget Your Money: The 50/30/20 Rule. Additional filters are available in search. These include annuities, government bonds, and bank savings accounts. With whole life insurance, the savings component (cash value) grows at a fixed rate over time, and you can use it to help cover expenses in retirement. sk %|jmsk!M2uJI]/R June 14, 2022; salem witch trials podcast lore <]/Prev 197628>> Treasury bonds can be a good option for anyone with a low-risk profile who wants a guaranteed rate of return. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. Our GIAs provide security of principal with a guaranteed rate of return. The minimum amount required to invest in the Money Market Fund is 2,000. Notable Features Accrued interest will be paid at the end of the 10-year period Policy year Policy year Easy Personal Loan by Anyone. Its also important to consider the depositors insurance coverage and the banks credit rating. For this reason, they are often best suited for long-term investment goals. What is the procedure for Corporate Organizations to invest in Money Market Fund? tE,-I1ka5CYqEya8*{ 4~vR0G_)i>00|7S5RIaLS^YoR{+u:*vnb0PXelysK+gp $z?! % The income may be guaranteed for a certain number of years or life. Ja RJmi//~SqSP@mT=n9JvZ Fqo.V)T5X};i?;gn1n5[Xl~AZDi J~-0Iv>a\JGD High Yield Savings Accounts. Guaranteed interest accounts work by allowing depositors to earn a fixed interest rate on their deposits over a certain period. As some of you know, 403bs are generally high fee, variable annuity accounts, and this is no exception. When will my investment contribution reflect on my dashboard? 8Kj+UO=DJ%/ws};Bmcccv7. -v;r3gwD!&r:.[!dA^H8f1S:U?+e&Iv;ad7}^LoWj;z4 ja{NP]y~##Q5qi8?{'B:c3BqkF`>Hm+K{2kZ'gtm;}tj\|j_'\6?.n|cI"yi$crIW:_()z o7-bX3L{G1(E17+]"'o,H!u DO[Q:x_1BL87|/") Financial Strength Ratings Ratings of the company's and its long term and short term debt. The face value of the bond is returned to the bondholder when the bond matures. When you make a payment/contribution to your AXA Mansard Investments Fund, there will be a confirmation email sent to your registered email address and your fund will reflect on your dashboard within 24 hours. Additional documents required include government issued proof of identification, passport photo, proof of address (utility bill) and signature. transferring the account value from any variable investment option to another variable investment option. Another investment option for a guaranteed return plan is a money market savings account. Need help? You can view/download your statement by following these pages on the dashboard - Investment > Dashboard > Statement. trailer @34B#B:^4`Z% 2 <> dA]@ Terms from 11 to 30 years are available and the minimum investment is $5,000. axa guaranteed interest account . His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. If you need assistance, please contact a customer service representative by calling 1-800-777-6510. %%EOF }dQ*4?Rh`q)|=y[:eUG!_r0X)]w;HK}d' Guaranteed Interest Option the Funding Account that is part of AXA Equitable 's general account and pays interest at guaranteed rates set by AXA Equitable. You agree to make regular payments into the account with a fixed annuity. You also have the option with this product to request the simple interest payout option, which entitles you to receive simple interest payments monthly or annually, the choice is yours. tailored approach based on your unique investment constraints and objectives. Box 1047 Charlotte, North Carolina 28201-1047 By toll-free phone: Monday through Friday, 8 AM to 7 PM, Eastern Time: 1-800-777-6510. Phoenix, AZ 85007-2624. The minimum amount required to invest in the Equity Income Fund is 10,000. You may be wondering about guaranteed return investments if youre looking for a safe and secure investment with a guaranteed return. 0000003753 00000 n Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services. The first question you may have is, what exactly is deemed a guaranteed return? They are considered a low-risk investment option, as the principal investment is FDIC insured. The minimum amount required after your initial investment is 1,000.00. Examples include Certificates of Deposit (CDs), High-Interest Savings Accounts, etc. The yearly guaranteed interest rate will never be less than the minimum interest rate. MyAXA app is available on the Google Play and App Stores. PURCHASE CONTRACTCONTINUATIONPURCHASE CONTRACT 101018 REVISION: 220 Page 123 of 210ITEMEAEADX-C9DX-C9CARRIAGE ADAPTORYOKE1034-9681-0031034-9606-004HQ0006-01-C-0001/HQ0006-01-C-0001HQ0006-01-C-0001/HQ0006-01-C-000102700271QUANTITY UM PART NUMBERVENDOR P/N DESCRIPTIONCUSTOMER / PRIME CONTRACT NUMBER PRIORITY RATING FUNDED UNIT PRICE FUNDED EXTENDED PRICE10101010Quantity OrderedQuantity OrderedItem Reference:Item Reference:Undefinitized price included in item 0165Undefinitized price included in item 0165Ship This Item Only To:Ship This Item Only To:See Attachment A120See Attachment A120,,VHA**W0**001VHA**W0**001PROJECT CCN TRUE MANUFACTURER675784675784Item Unit Value:Item Unit Value:$0.0000$0.0000Value Code:Value Code:$0.0000$0.0000$0.0000$0.000020-NOV-0920-NOV-09Scheduled Delivery DateScheduled Delivery Date. You can get a guaranteed return of four percent from a fixed annuity sold by financial institutions and insurance agencies like The Annuity Expert. Annuities can be an excellent option for guaranteed income in retirement. However, these accounts often have stricter requirements, such as minimum balance and monthly fees. This is because investors can get a better return on their investment elsewhere. We can defer payment or transfer of any portion of the Annuity Account Value in the Guaranteed Interest Option for up to six months while you are living, subject to any required written approval from the Insurance Supervisory Official in your jurisdiction. Guaranteed energy savings contract means a contract that includes all of the following: Guaranteed elements means the premiums, credited interest rates (including any bonus), benefits, values, non-interest-based credits, charges, or elements of formulas used to determine any of these elements, that are guaranteed and determined at issue.

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