Woman’s Life Insurance Society

Intuitions® Five Single Premium Deferred Annuity (M03-2900 SPDA)

Intuitions® Five Single Premium Deferred Annuity

A Woman’s Life Insurance Society® Intuitions Five Single Premium Deferred Annuity can be a good selection if you plan to make a single lump-sum premium payment and want features such as a shorter surrender charge period and a longer-term interest rate guarantee, combined with tax deferred earnings and early withdrawal options.

When you’re ready, you can choose to receive benefits under several options – from a lump sum payment to a guaranteed income for life, no matter how long you live.

Special Features

Single premium: This plan requires a minimum premium of $10,000 and allows a maximum premium of $500,000. The plan accommodates rollovers from qualified plans and accepts money you move from other financial instruments such as matured certificates of deposit.

Principal guarantee: Your cash surrender value will not be less than the total amount of premium paid minus withdrawals.

Interest crediting method: The initial interest rate is guaranteed for the first five years. Thereafter, the interest rate is determined yearly and could go up or down. However, the interest rate can never fall below the guaranteed annual interest rate of 1.75%.

Surrender and withdrawal charges: With this plan, you have the option to access your money without surrender or withdrawal charges after the first five years. Charges are imposed during the first five certificate years. Withdrawal and surrender charges gradually decrease in accordance with the following chart:

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

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

Trust your intuition. Trust Woman’s Life.®

How much will you need to save for retirement? Use our Retirement Calculator to find out.

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

Make the Connection: Woman’s Life is a different kind of insurance provider – a better kind of different. We provide life insurance and annuity products to help you plan for a secure financial future while also supporting friends, neighbors, and families in need. Click here for more information about the Communities and Causes supported by active Woman’s Life Chapters.


This 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 1.75% rate. Distribution prior to age 59½ 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.

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