Woman’s Life Insurance Society

Intuitions® Flex Flexible Premium Deferred Annuity (M03-2800 FLEX)

The Intuitions Flex is a good selection for you if:

  • Want to start a retirement plan by making regular contributions with a low initial premium payment with or without an initial lump sum premium payment.
  • Want an interest guarantee on each premium payment.
  • Want earnings opportunities that reflect the current interest rate environment.

Special Features

Initial premium deposit: This plan may be started with an initial premium payment as follows:

  • Ages 0–24: $500 (or $25 monthly on an automatic bank draft)
  • Ages 25–49: $1,000 (or $50 monthly on an automatic bank draft)
  • Ages 50–85: $1,000 (or $100 monthly on an automatic bank draft)

We recommend making consistent premium payments to develop the savings habit and for maximum accumulated value. Premium payments may be made monthly by automatic bank draft or we will send you quarterly, semiannual, or annual reminders. Single payments, up to $500,000, may be made. The plan accommodates rollovers from qualified retirement plans or when money is moved from other financial instruments such as matured certificates of deposit. Credit card payment is available in some states for automatic or billed premium payments.

Interest crediting method: Initially, each premium payment earns interest based on the current rate in effect at the time of the premium payment. The interest rate for a premium payment is subject to change on each anniversary of the premium payment and may go up or down. (Interest earned on a premium payment is credited with interest at the same rate as the premium payment.) This unique interest crediting method allows you to capture multiple interest rate environments, which encourages larger and consistent premium deposits, especially in times of climbing rates. The interest rate can never fall below the guaranteed annual rate of 1%.

Surrender and withdrawal charges: Charges are imposed during the first eight policy years. Withdrawal and surrender charges gradually decrease in accordance with the following chart:

Certificate Year 1 2 3 4 5 6 7 8 9+
Surrender / Withdrawal Charge 7% 7% 6% 5% 4% 3% 2% 1% 0%

Special endorsements: This plan may be endorsed for both Traditional and Roth IRAs.

Trust your intuition. Trust Woman’s Life.®

For more information, request a free, no obligation needs analysis with a Woman’s Life representative.


This deferred annuity plan is not available in all states. Current interest rates are not guaranteed and could go up or down. However, the current interest rate can never go below the guaranteed minimum 1% rate. Distribution prior to age 59 ½ may be subject to 10% federal tax penalty. This deferred annuity plan is not FDIC insured, nor is it insured by any other agency of the United States. It is not a bank deposit. It is not guaranteed by a bank or any bank affiliate. It may lose value.