DELAWARE INSURANCE DEPARTMENT

QUESTIONS YOU SHOULD ASK YOUR AGENT OR THE COMPANY

• What is the guaranteed minimum interest rate?
• What charges, if any, are deducted from my premium?
• What charges, if any, are deducted from my contract value?
• How long is the term?
• What is the participation rate?
• For how long is the participation rate guaranteed?
• Is there a minimum participation rate?
• Does my contract have a cap?
• Is averaging used?
• How does it work?
• Is interest compounded during a term?
• Is there a margin, spread, or administrative fee? Is that in addition to or instead of a participation rate?
• Which indexing method is used in my contract?
• What are the surrender charges or penalties if I want to end my contract early and take out all of my money?
• Can I get a partial withdrawal without paying charges or losing interest? Does my contract have vesting?
• Does my annuity waive withdrawal charges if I am confined to a nursing home or diagnosed with a terminal illness?
• What annuity income payment options do I have?
• What is the death benefit?

1998 National Association of Insurance Commissioners