Both annuities offer one or two year index crediting strategies and a fixed account option, 10% withdrawals after the 1st year, require a $15,000 minimum premium. 

Surrender charges 10 years:12,12,11,10,9,8,7, 6,4,2. 

The bonus annuity offers a 10% premium bonus that has a surrender recapture of: 10,9,8,7,6,5,4,3, 2,1. 

Agent commission is 7%, but can go as high as 8.5% with production bonuses. 

Both offer the one or two year Safety Growth Strategy. The method brings back the potential home run in that the annuityowner participates in more of the index gain above 5%, but nothing below 5%. As examples, the current participation rate on the 1-year non-bonus option is 40%. If the index increased 10% next year the annuity would credit 2% (10%-5%=5% x 40%). But if the index increased 35% the annuity would credit 12% (35%-5%=30% x 40%). A traditional monthly cap method is also available. 

The rider provides a GLWB that guarantees income growth for 12 years at 10% simple interest PLUS a 55% persistency bonus after 12 years (Effectively, $100,000 into the bonus annuity provides an income account base of $302,500 in twelve years). compounded until the premium is doubled. Rider cost 0.95% (maximum 3%) on benefit base. 

The Secure LifeStyle annuities step a bit outside the box to offer a fresh story in these new normal times.