I recorded a short video to answer your questions about the 30–50% premium bonus currently available.
I explain why it exists, how it works, and what to consider if you’re thinking about taking advantage of it.
Please note: We thought it would be over by the first week of October (stated in the video) - it IS EXTENDED but could end any day.
Why Clients Are Acting Now?
- Unusually High Bonuses: If eligible, receive a 30–50% premium bonus applied to your income base and death benefit.*
- Limited Window: These rates are tied to the current interest environment and could drop without notice.
- Principal Protection: Your money isn’t directly exposed to market losses — you’re protected while still positioned for potential growth.
- Meaningful Impact: A $100,000 contribution could add $30,000–$50,000 to the values used to calculate lifetime income and death benefits.*
What You’ll Learn in Your Appointment:
- How the bonus is credited and what it applies to*
- When income can start and how increasing income opportunities work over time*
- Trade-offs and eligibility details (withdrawal periods, crediting rates, etc.)
- Whether a flexible or long-term strategy fits best for your situation
Bonus Options Overview
Option 1
Flexible Income (Sooner Access)
- Around 30% Premium Bonus (1)
- Up to 250% Interest Bonus potential (5)
- Income available now or later (3)
- Increasing income opportunity to help offset inflation (7)
Option 2
Long-Term Growth Focus
- Around 50% Premium Bonus (1)
- Up to 150% Interest Bonus potential (5)
- Income available after 10 years (4)
- Increasing income opportunity to address rising costs (7)
Both Include:
- Index Lock — Secure a positive index value once per crediting period (6)
- Income Multiplier Benefit — Potentially double withdrawals if certain health criteria are met(8)
- Diversified Index Choices (2)
- Principal Protection
- SET MY APPOINTMENT
Fill Out The Form Below To Request Your Appointment:
Contact Info
Our Services
Our Company
We serve the greater Chicago area
Sycamore • St. Charles • Schaumburg • Skokie • Westchester
Elgin • Elk Grove • Glenview • Northbrook • and more
Our Office
4190 Euclid Avenue • Rolling Meadows, IL 60008
Satellite Offices
St. Charles
100 Illinois St.
Suite 200 (Regus)
St. Charles, IL 60174
Skokie
5250 Old Orchard Rd.
Suite 300 (Regus)
Skokie, IL 60077
Westchester
1 Westbrook Corporate Center
Suite 300 (Regus)
Westchester, IL 60154
*Backed by the claims paying ability of the carrier.
**Fixed Index Annuity products can provide a reasonable rate of return over time.
By contacting Mary T Deutsch IL Insurance License #17294050 / MTD Financial, Inc. IL Insurance License #3000098844, you may be offered information regarding the purchase of insurance products, including fixed index annuities and life.
- Premium and interest bonuses are credited only to the Protected Income Value (PIV). The PIV is available only through lifetime withdrawals and is not available as a lump sum. If you take withdrawals other than lifetime income, the PIV will be reduced proportionally. Withdrawals are subject to ordinary income tax and, if taken before age 59½, an additional 10% federal penalty. Bonus annuities may also include longer withdrawal charge periods, lower crediting rates, or other restrictions compared to annuities that do not offer a bonus.
- Diversifying allocations within a fixed index annuity does not ensure an interest credit in every period and no single allocation is guaranteed to be effective in all market environments.
- For the “income now or later” option, lifetime withdrawals can begin immediately or on any monthly anniversary, provided certain conditions are met and no excess withdrawals or additional premiums have been taken.
- For the “income after 10 years” option, lifetime withdrawals can begin on or after the 10th contract anniversary, provided certain age and withdrawal conditions are met.
- The Accelerated Interest Bonus option provides a 250% PIV interest bonus with a 50% accumulation value. The Balanced Interest Bonus option provides a 150% PIV interest bonus with a 100% accumulation value.
- Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been used.
- Increasing income potential is included through a built-in rider at no additional cost.
- The Income Multiplier Benefit requires meeting specific health conditions, such as confinement to an eligible care facility or the inability to perform at least two activities of daily living for 90 consecutive days, as certified by a physician. Enhanced withdrawals continue until the accumulation value is depleted, after which withdrawals revert to the standard amount.