Aviva USA | Indexed Annuity - Compare Products and Strategies

Fixed Indexed Annuity

An Aviva indexed annuity credits interest based partly on a stock-market index. So you have greater upside potential as well as the protection of a guaranteed interest rate. Aviva also offers traditional fixed annuities.

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MultiChoice IncomeFiveSM, IncomeSevenSM and IncomeTenSM

A great choice for people with shorter timelines for needing access to income.

Download PDF: MultiChoice IncomeFive Guide (395k)
Download PDF: MultiChoice IncomeSeven Guide (508k)
Download PDF: MultiChoice IncomeTen Guide (849k)

MultiChoice IncomeEliteSM

Suited for people who want a longer timeframe and potentially greater accumulation of funds.

Download PDF: MultiChoice IncomeElite Guide (292k)

MultiChoice IncomePlusSM

Designed for people who want more potential growth in their account value.

Download PDF: MultiChoice IncomePlus Guide (196k)

MultiChoice IncomeXtraSM

Provides the most flexibility including premium, interest crediting and income options.

Download PDF: MultiChoice IncomeXtra Guide (681k)

Compare policies

Aviva fixed indexed annuities are available with both traditional and indexed crediting options, so you can choose the way interest is credited. This is a summary. Terms and conditions may vary by state. For details and to find out what’s right for you, contact your local Aviva agent.

 

MultiChoice IncomeFiveSM, IncomeSevenSM and IncomeTenSM

MultiChoice IncomeEliteSM

MultiChoice IncomePlusSM

MultiChoice IncomeXtraSM

Surrender charge period

5, 7, or 10 years

10 years

10 years

10 years

Maturity period

5, 7, or 10 years

10 years

10 years

10 years

Minimum initial premium amount

$5,000

$5,000

$5,000

$5,000

Early income option

Yes

Yes

Yes

Yes

Premium bonus

Not applicable

Not applicable

5% in first year

6% in first two years

Additional premium option

Yes

Not applicable

Yes

Yes

Liquidity

Yes, up to 20% free withdrawal

Yes, up to 10% free withdrawal

Yes, up to 20% free withdrawal

Yes, up to 20% free withdrawal

Checkbook access withdrawal

Yes

Yes

Yes

Yes

LifetimePaySM withdrawal

Yes

Yes

Yes

Yes

Guaranteed accumulated value floor

1% per year

1% per year

1% per year

1% per year

Death Benefit

Yes

Yes

Yes

Yes

Nursing Home waiver

Yes

Yes

Yes

Not applicable

Confinement waiver

Not applicable

Not applicable

Not applicable

Yes

Home health care waiver

Yes

Yes

Yes

Yes

Terminal Illness waiver

Yes

Yes

Yes

Yes

Withdrawal charges and MVA are imposed retroactively if the contract is surrendered within 12 months of a free withdrawal. Withdrawals may be subject to ordinary income tax and may be subject to a 10% IRS tax penalty if taken prior to age 59 1/2. Withdrawals may also forfeit potential interest credits and if taken during the withdrawal charge period may result in the loss of principal.

Aviva does not authorize its agents, employees or representatives to give legal, tax or accounting advice. The information contained herein is our understanding of the current laws as they relate to annuities. These laws are subject to change in the future. Please consult your personal advisor for any tax, legal or accounting advice to determine if a single premium immediate annuity or a deferred annuity is right for you.



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