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Loyalty 5 Annuity

In addition to the features available with the traditional SNPJ annuity, the Loyality Series annuity offers SNPJ members greater choices and more liquidity than ever before.

While the SNPJ Loyalty 5 annuity carries a five-year early withdrawal penalty, it offers a very competitive interest rate. A $2,000 minimum annuity deposit is required for non-members to become SNPJ members. 

SNPJ Loyalty Series annuities issued after January 1, 2023, also feature 3.0% guaranteed minimum interest, additional surrender options and additional deposits. Withdrawal penalties are waived for the following: 10% of the cash value in any penalty year, and withdrawals due to death, disability and nursing home expenses.

The SNPJ Loyalty Series annuity is approved in the following states: California, Colorado, Illinois, Indiana, Kansas, Michigan, Missouri, New Mexico, Ohio, Pennsylvania, West Virginia, and Wisconsin.