{"component": "clause", "props": {"groups": [{"snippet_links": [{"key": "general-account", "type": "clause", "offset": [33, 48]}, {"key": "interest-on", "type": "definition", "offset": [85, 96]}, {"key": "contract-value", "type": "clause", "offset": [97, 111]}, {"key": "allocated-to", "type": "definition", "offset": [112, 124]}, {"key": "the-fixed-account", "type": "clause", "offset": [125, 142]}, {"key": "annual-rate", "type": "definition", "offset": [149, 160]}, {"key": "at-least-equal-to", "type": "definition", "offset": [161, 178]}, {"key": "guaranteed-rate", "type": "definition", "offset": [183, 198]}, {"key": "page-3", "type": "clause", "offset": [212, 218]}], "samples": [{"hash": "agYTCsD8gDO", "uri": "/contracts/agYTCsD8gDO#fixed-account", "label": "Flexible Premium Deferred Variable Annuity Contract (SBL Variable Annuity Account Xvii)", "score": 21.0, "published": true}, {"hash": "8PhQjOUIOIW", "uri": "/contracts/8PhQjOUIOIW#fixed-account", "label": "Flexible Premium Deferred Variable Annuity Contract (SBL Variable Annuity Account Xvii)", "score": 21.0, "published": true}, {"hash": "9mtTZR4w7r5", "uri": "/contracts/9mtTZR4w7r5#fixed-account", "label": "Flexible Premium Deferred Variable Annuity Contract (SBL Variable Annuity Account Xvii)", "score": 20.0, "published": true}], "size": 23, "snippet": "An account that is part of SBL's General Account. SBL guarantees that it will credit interest on Contract Value allocated to the Fixed Account at an annual rate at least equal to the Guaranteed Rate set forth on page 3.", "hash": "9086c5e9c4a594363de8a0588ef1673c", "id": 1}, {"snippet_links": [{"key": "transfers-among-accounts", "type": "clause", "offset": [2, 26]}, {"key": "account-value", "type": "definition", "offset": [117, 130]}], "samples": [{"hash": "gZiEMiTPC4o", "uri": "/contracts/gZiEMiTPC4o#fixed-account", "label": "Group Contract (Sage Variable Annuity Account A)", "score": 18.0, "published": true}, {"hash": "f58kepsFqqs", "uri": "/contracts/f58kepsFqqs#fixed-account", "label": "Group Contract (Sage Variable Annuity Account A)", "score": 18.0, "published": true}], "size": 23, "snippet": "8 TRANSFERS AMONG ACCOUNTS...............................................10 SURRENDERING, OR WITHDRAWING PART OF THE ACCOUNT VALUE.................10 CHARGES................................................................11", "hash": "ac3b235b2dee11b005b24e2f4fb44658", "id": 2}, {"snippet_links": [{"key": "general-account", "type": "clause", "offset": [31, 46]}, {"key": "investment-performance", "type": "definition", "offset": [52, 74]}, {"key": "the-variable-account", "type": "clause", "offset": [78, 98]}, {"key": "no-impact", "type": "definition", "offset": [103, 112]}, {"key": "the-fixed-account", "type": "clause", "offset": [116, 133]}], "samples": [{"hash": "jLSFmTYpLlr", "uri": "/contracts/jLSFmTYpLlr#fixed-account", "label": "Flexible Premium Adjustable Death Benefit Variable Life Insurance Contract (Kansas City Life Variable Life Separate Account)", "score": 30.9657764435, "published": true}, {"hash": "2zrpQMWp5mr", "uri": "/contracts/2zrpQMWp5mr#fixed-account", "label": "Flexible Premium Adjustable Death Benefit Variable Life Insurance Contract (Kansas City Life Variable Life Separate Account)", "score": 30.9657764435, "published": true}, {"hash": "f9WjTskQBjZ", "uri": "/contracts/f9WjTskQBjZ#fixed-account", "label": "Flexible Premium Adjustable Death Benefit Variable Life Insurance Contract (Kansas City Life Variable Life Separate Account)", "score": 30.8042430878, "published": true}], "size": 14, "snippet": "An account that is part of our general account. The investment performance of the Variable Account has no impact on the Fixed Account.", "hash": "2817108b845b0ace52fd4270bf351c5b", "id": 3}, {"snippet_links": [{"key": "the-fixed-account", "type": "clause", "offset": [0, 17]}, {"key": "general-account", "type": "clause", "offset": [35, 50]}, {"key": "of-the-company", "type": "clause", "offset": [51, 65]}, {"key": "with-interest", "type": "definition", "offset": [97, 110]}, {"key": "in-addition-to", "type": "clause", "offset": [160, 174]}, {"key": "net-premiums", "type": "definition", "offset": [191, 203]}], "samples": [{"hash": "kzugFdjWzBG", "uri": "/contracts/kzugFdjWzBG#fixed-account", "label": "Life Insurance Policy (Nationwide Vli Separate Account 4)", "score": 20.0, "published": true}, {"hash": "9qDtsKd2L7R", "uri": "/contracts/9qDtsKd2L7R#fixed-account", "label": "Last Survivor Flexible Premium Variable Universal Life Insurance Policy (Nationwide Vli Separate Account 5)", "score": 18.0, "published": true}, {"hash": "5ZBnZH6McPe", "uri": "/contracts/5ZBnZH6McPe#fixed-account", "label": "Life Insurance Policy (Nationwide Vli Separate Account 5)", "score": 18.0, "published": true}], "size": 14, "snippet": "The Fixed Account is funded by the General Account of the Company. The Fixed Account is credited with interest as described under the Nonforfeiture Provisions. In addition to allocating your Net Premiums to one or more of the Subaccounts described above, you may direct all or part of your Net Premiums into the Fixed Account.", "hash": "dffc2a6ddc281ea448dcc46d1b1d1df2", "id": 4}, {"snippet_links": [{"key": "allocated-to", "type": "definition", "offset": [16, 28]}, {"key": "the-fixed-account", "type": "clause", "offset": [29, 46]}, {"key": "owner-will", "type": "clause", "offset": [52, 62]}, {"key": "duration-of-the", "type": "clause", "offset": [74, 89]}, {"key": "by-the-company", "type": "clause", "offset": [137, 151]}, {"key": "current-interest-rate", "type": "definition", "offset": [192, 213]}, {"key": "option-period", "type": "clause", "offset": [291, 304]}, {"key": "base-interest-rates", "type": "definition", "offset": [317, 336]}, {"key": "transfers-from", "type": "definition", "offset": [460, 474]}, {"key": "investment-divisions", "type": "definition", "offset": [479, 499]}, {"key": "fixed-account-options", "type": "definition", "offset": [508, 529]}, {"key": "at-any-time", "type": "clause", "offset": [530, 541]}, {"key": "prior-to-the", "type": "clause", "offset": [542, 554]}, {"key": "income-date", "type": "definition", "offset": [555, 566]}, {"key": "this-contract", "type": "clause", "offset": [597, 610]}, {"key": "a-fixed", "type": "clause", "offset": [741, 748]}, {"key": "following-the", "type": "definition", "offset": [787, 800]}, {"key": "excess-interest-adjustment", "type": "clause", "offset": [882, 908]}, {"key": "at-the-time", "type": "clause", "offset": [972, 983]}, {"key": "the-company-will", "type": "clause", "offset": [996, 1012]}, {"key": "within-one-year", "type": "clause", "offset": [1374, 1389]}, {"key": "credit-interest", "type": "definition", "offset": [1427, 1442]}, {"key": "year-fixed-account-option", "type": "clause", "offset": [1509, 1534]}, {"key": "not-available", "type": "definition", "offset": [1599, 1612]}], "samples": [{"hash": "2eb9HAxxBA0", "uri": "/contracts/2eb9HAxxBA0#fixed-account", "label": "Annuity Contract (Jackson National Separate Account - I)", "score": 21.7583847046, "published": true}, {"hash": "2XDm9lmkBOt", "uri": "/contracts/2XDm9lmkBOt#fixed-account", "label": "Annuity Contract (Jackson National Separate Account - I)", "score": 21.3832988739, "published": true}], "size": 11, "snippet": "For any amounts allocated to the Fixed Account, the Owner will select the duration of the Fixed Account Option from those made available by the Company. Such amounts will earn interest at the Current Interest Rate for the chosen duration, compounded annually during the entire Fixed Account Option period. Subsequent Base Interest Rates may be higher or lower than the Base Interest Rates previously declared by the Company. You may allocate Premiums, or make transfers from the Investment Divisions, to the Fixed Account Options at any time prior to the Income Date, subject to the provisions of this Contract. However, no Fixed Account Option period other than one year may be chosen which extends beyond the Income Date. Withdrawals from a Fixed Account Option may take place 30 days following the end of the corresponding Fixed Account Option period without being subject to an Excess Interest Adjustment. VA620 13 If the Owner does not specify a Fixed Account Option at the time of renewal, the Company will select the same Fixed Account Option period as has just expired, so long as such Fixed Account Option period is available and does not extend beyond the Income Date. If such Fixed Account Option period does extend beyond the Income Date, the Company will choose the longest Fixed Account Option period that will not extend beyond such date. If a renewal occurs within one year of the Income Date, the Company will credit interest up to the Income Date at the then Current Interest Rate for the 1-Year Fixed Account Option. If the same Fixed Account Option period as had just expired is not available and such Fixed Account Option period does not extend beyond the Income Date, the Company will choose the next shortest Fixed Account Option period available.", "hash": "aca58377e08699888cb0dc2d93ab9265", "id": 5}, {"snippet_links": [{"key": "the-fixed-account", "type": "clause", "offset": [0, 17]}, {"key": "comprised-of", "type": "definition", "offset": [21, 33]}, {"key": "guaranteed-period", "type": "definition", "offset": [47, 64]}, {"key": "dollar-cost-averaging", "type": "clause", "offset": [80, 101]}, {"key": "fixed-option", "type": "clause", "offset": [102, 114]}, {"key": "to-offer", "type": "definition", "offset": [134, 142]}, {"key": "premium-payments", "type": "definition", "offset": [144, 160]}, {"key": "fixed-interest-rate", "type": "definition", "offset": [236, 255]}, {"key": "interest-rates", "type": "definition", "offset": [261, 275]}, {"key": "one-year", "type": "clause", "offset": [327, 335]}, {"key": "transfer-date", "type": "definition", "offset": [374, 387]}, {"key": "guaranteed-minimum", "type": "clause", "offset": [443, 461]}, {"key": "annual-interest-rate", "type": "clause", "offset": [472, 492]}, {"key": "policy-data-page", "type": "definition", "offset": [506, 522]}, {"key": "policy-date", "type": "clause", "offset": [534, 545]}, {"key": "right-to-prohibit", "type": "clause", "offset": [562, 579]}, {"key": "allocated-to", "type": "definition", "offset": [614, 626]}, {"key": "will-provide", "type": "clause", "offset": [675, 687]}, {"key": "advance-written-notice", "type": "definition", "offset": [696, 718]}, {"key": "notification-to", "type": "clause", "offset": [773, 788]}, {"key": "in-effect", "type": "clause", "offset": [869, 878]}, {"key": "transfers-to", "type": "clause", "offset": [926, 938]}, {"key": "account-funds", "type": "definition", "offset": [949, 962]}, {"key": "at-the-end-of-the", "type": "clause", "offset": [1026, 1043]}, {"key": "current-interest-rate", "type": "definition", "offset": [1139, 1160]}, {"key": "amount-transferred", "type": "definition", "offset": [1326, 1344]}, {"key": "transfers-from", "type": "definition", "offset": [1383, 1397]}, {"key": "accrued-interest", "type": "clause", "offset": [1413, 1429]}, {"key": "the-investment", "type": "clause", "offset": [1561, 1575]}, {"key": "the-funds", "type": "clause", "offset": [1595, 1604]}, {"key": "annuity-commencement-date", "type": "definition", "offset": [1799, 1824]}, {"key": "in-section-11", "type": "clause", "offset": [1833, 1846]}, {"key": "completion-of", "type": "clause", "offset": [1964, 1977]}, {"key": "rate-applicable", "type": "clause", "offset": [2013, 2028]}, {"key": "date-of", "type": "clause", "offset": [2143, 2150]}, {"key": "completion-notice", "type": "definition", "offset": [2155, 2172]}, {"key": "policy-value", "type": "definition", "offset": [2243, 2255]}, {"key": "associated-with", "type": "definition", "offset": [2256, 2271]}, {"key": "most-recent", "type": "definition", "offset": [2633, 2644]}, {"key": "fifo-basis", "type": "definition", "offset": [2755, 2765]}], "samples": [{"hash": "6rWEj2uHsa0", "uri": "/contracts/6rWEj2uHsa0#fixed-account", "label": "Annuity Policy (Separate Account VA QQ)", "score": 20.3415470123, "published": true}], "size": 11, "snippet": "The Fixed Account is comprised of a one - year Guaranteed Period Option and the Dollar Cost Averaging Fixed Option that we may choose to offer. Premium payments applied to and any amounts transferred to the Fixed Account will reflect a fixed interest rate. The interest rates we set will be credited for increments of at least one year measured from each premium payment or transfer date. These rates will never be less than the Fixed Account Guaranteed Minimum Effective Annual Interest Rate shown on the Policy Data page. After the policy date, we reserve the right to prohibit premium payments and/or transfers allocated to the Fixed Account described in this section. We will provide 30 days advance written notice of this decision. We will also provide timely written notification to You once any such prohibition of premium payments and/or transfers is no longer in effect Even if we are prohibiting premium payments or transfers to the Fixed Account funds will still roll into a new one - year Guaranteed Period Option at the end of the expiring option\u2019s guaranteed period We will offer the one - year Guaranteed Period Option. The current interest rate we set for funds entering a Guaranteed Period Option (GPO) is guaranteed until the end of that option\u2019s Guaranteed Period. At that time, the premium payment made or amount transferred into the GPO, less any Withdrawals or transfers from that GPO, plus accrued interest will be rolled into a new one - year GPO or may be transferred to any Subaccount(s) within the Separate Account(s). You may choose the Investment Option(s) You want the funds transferred into by giving us a written notice within 30 days before the end of the expiring option\u2019s Guaranteed Period. However, any Guaranteed Period elected may not extend beyond the maximum Annuity Commencement Date defined in Section 11. In the absence of such election, the funds will be rolled into a new one - year GPO, You will be mailed a notice of completion of any rollover with the new interest rate applicable. The new GPO will be deemed as accepted if we do not receive a written rejection within 30 days from the postmark date of the completion notice. When funds are withdrawn or transferred from the one - year GPO, the Policy Value associated with the oldest premium payment or rollover is considered to be withdrawn/transferred first If the amount withdrawn/transferred exceeds the Policy Value associated with the oldest premium, the Policy Value associated with the next oldest premium payment or rollover is considered to be withdrawn/transferred next and so on until the Policy Value associated with the most recent premium payment or rollover is considered to be withdrawn/transferred (this is a \u201cFirst - In, First - Out\u201d or FIFO basis).", "hash": "203e212a540c1adb47e556b2a61e1538", "id": 6}, {"snippet_links": [{"key": "the-fixed-account", "type": "clause", "offset": [0, 17]}, {"key": "a-sub", "type": "clause", "offset": [48, 53]}, {"key": "the-guarantee", "type": "clause", "offset": [79, 92]}, {"key": "a-purchase", "type": "definition", "offset": [186, 196]}, {"key": "new-guarantee-period", "type": "definition", "offset": [226, 246]}, {"key": "the-variable-account", "type": "clause", "offset": [346, 366]}, {"key": "payments-and-transfers", "type": "clause", "offset": [506, 528]}, {"key": "allocated-to", "type": "definition", "offset": [529, 541]}, {"key": "most-recent", "type": "definition", "offset": [687, 698]}, {"key": "guarantee-periods", "type": "clause", "offset": [717, 734]}, {"key": "we-may-change", "type": "clause", "offset": [767, 780]}, {"key": "a-notice", "type": "definition", "offset": [904, 912]}, {"key": "prior-to-the", "type": "clause", "offset": [913, 925]}, {"key": "expiration-of", "type": "clause", "offset": [926, 939]}, {"key": "available-at", "type": "definition", "offset": [979, 991]}, {"key": "day-period", "type": "clause", "offset": [1037, 1047]}, {"key": "no-action", "type": "definition", "offset": [1099, 1108]}, {"key": "the-sub", "type": "clause", "offset": [1141, 1148]}, {"key": "period-of", "type": "clause", "offset": [1178, 1187]}, {"key": "the-day", "type": "definition", "offset": [1227, 1234]}, {"key": "notify-us", "type": "clause", "offset": [1281, 1290]}, {"key": "to-apply", "type": "clause", "offset": [1291, 1299]}, {"key": "a-portion", "type": "definition", "offset": [1565, 1574]}, {"key": "full-withdrawal", "type": "clause", "offset": [1653, 1668]}, {"key": "market-value-adjustment", "type": "definition", "offset": [1694, 1717]}, {"key": "minimum-amount", "type": "clause", "offset": [1837, 1851]}, {"key": "new-sub", "type": "definition", "offset": [1879, 1886]}, {"key": "credit-interest", "type": "definition", "offset": [1927, 1942]}, {"key": "one-year", "type": "clause", "offset": [2020, 2028]}, {"key": "the-interest-rate", "type": "clause", "offset": [2032, 2049]}, {"key": "initial-purchase-payment", "type": "definition", "offset": [2125, 2149]}, {"key": "issue-date", "type": "clause", "offset": [2159, 2169]}, {"key": "subsequent-purchase-payments", "type": "definition", "offset": [2198, 2226]}, {"key": "transfers-from", "type": "definition", "offset": [2285, 2299]}, {"key": "the-transfer", "type": "clause", "offset": [2309, 2321]}, {"key": "interest-rates", "type": "definition", "offset": [2335, 2349]}, {"key": "minimum-guaranteed-rate", "type": "definition", "offset": [2378, 2401]}, {"key": "data-page", "type": "definition", "offset": [2423, 2432]}, {"key": "start-date", "type": "clause", "offset": [2465, 2475]}, {"key": "transfer-amounts", "type": "definition", "offset": [2485, 2501]}, {"key": "investment-alternatives", "type": "definition", "offset": [2510, 2533]}, {"key": "contract-year", "type": "clause", "offset": [2565, 2578]}, {"key": "transfer-in", "type": "definition", "offset": [2624, 2635]}, {"key": "transfer-fee", "type": "definition", "offset": [2676, 2688]}, {"key": "subject-to-the", "type": "clause", "offset": [2704, 2718]}, {"key": "transfer-from", "type": "clause", "offset": [2847, 2860]}, {"key": "the-value", "type": "clause", "offset": [3049, 3058]}, {"key": "the-request", "type": "clause", "offset": [3130, 3141]}, {"key": "transfer-of-the", "type": "clause", "offset": [3147, 3162]}, {"key": "right-to-waive", "type": "clause", "offset": [3205, 3219]}, {"key": "transfer-restrictions", "type": "definition", "offset": [3224, 3245]}, {"key": "in-this-contract", "type": "clause", "offset": [3256, 3272]}, {"key": "contract-value", "type": "clause", "offset": [3274, 3288]}, {"key": "equal-to", "type": "definition", "offset": [3315, 3323]}, {"key": "sum-of", "type": "clause", "offset": [3328, 3334]}, {"key": "number-of-accumulation-units", "type": "clause", "offset": [3344, 3372]}, {"key": "account-values", "type": "definition", "offset": [3549, 3563]}, {"key": "valuation-period", "type": "definition", "offset": [3830, 3846]}, {"key": "at-the-end-of-the", "type": "clause", "offset": [3904, 3921]}, {"key": "net-investment-factor", "type": "definition", "offset": [3982, 4003]}, {"key": "the-valuation", "type": "clause", "offset": [4008, 4021]}, {"key": "accumulation-unit-values", "type": "definition", "offset": [4034, 4058]}, {"key": "transfers-to-a", "type": "clause", "offset": [4091, 4105]}, {"key": "withdrawals-or-transfers", "type": "clause", "offset": [4212, 4236]}, {"key": "the-closing", "type": "clause", "offset": [4436, 4447]}, {"key": "the-new-york-stock-exchange", "type": "clause", "offset": [4451, 4478]}, {"key": "valuation-dates", "type": "clause", "offset": [4494, 4509]}, {"key": "divided-by", "type": "clause", "offset": [4718, 4728]}], "samples": [{"hash": "3hk4vTchxEF", "uri": "/contracts/3hk4vTchxEF#fixed-account", "label": "Flexible Premium Deferred Variable Annuity Contract (Allstate Life Insurance Co)", "score": 26.8384666443, "published": true}], "size": 10, "snippet": "The Fixed Account is divided into Sub-accounts. A Sub-account is identified by the Guarantee Period and the date the Guarantee Period begins. You create a Sub-account when: / / you make a purchase payment; or / / you select a new Guarantee Period after the prior Sub-account expires; or / / you transfer an amount from an existing Sub-account of the Variable Account or the Fixed Account. A Sub-account continues until the end of the Guarantee Period. You must select the Guarantee Period for all purchase payments and transfers allocated to the Fixed Account. If you do not select a Guarantee Period for a purchase payment or transfer, we will assign the same period(s) as used for the most recent purchase payment. Guarantee Periods may be 1, 3, 5, 7, or 10 years. We may change the Guarantee Periods available for future purchase payments or transfers allocated to the Fixed Account. We will mail you a notice prior to the expiration of each Sub-account outlining the options available at the end of a Guarantee Period. During the 30 day period after a Guarantee Period expires you may: / / take no action and we will automatically renew the Sub-account value to a Guarantee Period of the same duration to be established on the day the previous Guarantee Period expired; or / / notify us to apply the Sub-account value to a new Guarantee Period(s) to be established on the day the previous Guarantee Period expired; or / / notify us to apply the Sub-account value to any Sub-account of the Variable Account on the day we receive the notification; or / / receive a portion of the Sub-account value or the entire Sub-account value through a partial or full withdrawal that is not subject to a Market Value Adjustment. In this case, the amount withdrawn will be deemed to have been withdrawn on the day the Guarantee Period expired. The minimum amount that can be allocated to a new Sub-account is $500. CREDITING INTEREST. We credit interest daily to money allocated to the Fixed Account at a rate which compounds over one year to the interest rate we guaranteed when the money was allocated. We will credit interest to the initial purchase payment from the issue date. We will credit interest to subsequent purchase payments from the date we receive them. We will credit interest to transfers from the date the transfer is made. The interest rates will never be less than the minimum guaranteed rate shown on the Annuity Data Page. TRANSFERS. Prior to the Payout Start Date, you may transfer amounts between Investment Alternatives. You may make 12 transfers per Contract Year without charge. Each transfer after the 12th transfer in any Contract Year may be assessed a $10 transfer fee. Transfers are subject to the following restrictions. / / The minimum amount that may be transferred into a Sub-account of the Fixed Account is $500. / / Any transfer from a Sub-account of the Fixed Account at a time other than during the 30 day period after a Guarantee Period expires will be subject to a Market Value Adjustment. / / If any transfer reduces the value of a Sub-account of the Fixed Account to less than $500, we will treat the request as a transfer of the entire Sub- account value. We reserve the right to waive the transfer restrictions contained in this Contract. CONTRACT VALUE. Your \"Contract Value\" is equal to the sum of: / / the number of Accumulation Units you hold in each Sub-account of the Variable Account multiplied by the Accumulation Unit Value for that Sub- account on the most recent Valuation Date; plus / / the sum of Sub-account values in the Fixed Account. ACCUMULATION UNITS AND ACCUMULATION UNIT VALUE. Amounts which you allocate to a Sub-account of the Variable Account are used to purchase Accumulation Units in that Sub-account. The Accumulation Unit Value for each Sub-account at the end of any Valuation Period is calculated by multiplying the Accumulation Unit Value at the end of the immediately preceding Valuation Period by the Sub-account's Net Investment Factor for the Valuation Period. The Accumulation Unit Values may go up or down. Additions or transfers to a Sub-account of the Variable Account will increase the number of Accumulation Units for that Sub- account. Withdrawals or transfers from a Sub-account of the Variable Account will decrease the number of Accumulation Units for that Sub-account. VALUATION PERIOD AND VALUATION DATE. A \"Valuation Period\" is the time interval between the closing of the New York Stock Exchange on consecutive Valuation Dates. A \"Valuation Date\" is any date the New York Stock Exchange is open for trading. NET INVESTMENT FACTOR. For each Sub-account of the Variable Account, the \"Net Investment Factor\" for a Valuation Period is (A) divided by (B), minus (C) where:", "hash": "5de3332d5ae6b51c0bd6f9adc61533fd", "id": 7}, {"snippet_links": [{"key": "the-fixed-account", "type": "clause", "offset": [0, 17]}, {"key": "general-account", "type": "clause", "offset": [43, 58]}, {"key": "the-general", "type": "clause", "offset": [80, 91]}, {"key": "and-guarantees", "type": "clause", "offset": [100, 114]}, {"key": "fixed-account-contract-value", "type": "clause", "offset": [147, 175]}, {"key": "annual-rate", "type": "definition", "offset": [182, 193]}, {"key": "at-least-equal-to", "type": "definition", "offset": [194, 211]}, {"key": "guaranteed-rate", "type": "definition", "offset": [216, 231]}, {"key": "page-3", "type": "clause", "offset": [255, 261]}, {"key": "current-interest", "type": "definition", "offset": [280, 296]}, {"key": "periods-of", "type": "clause", "offset": [332, 342]}, {"key": "one-year", "type": "clause", "offset": [343, 351]}, {"key": "guarantee-periods", "type": "clause", "offset": [368, 385]}, {"key": "applies-to", "type": "clause", "offset": [413, 423]}, {"key": "allocated-to", "type": "definition", "offset": [509, 521]}, {"key": "pursuant-to", "type": "clause", "offset": [540, 551]}, {"key": "received-by-the-company", "type": "definition", "offset": [576, 599]}, {"key": "an-exchange", "type": "clause", "offset": [608, 619]}, {"key": "day-of", "type": "clause", "offset": [667, 673]}, {"key": "the-year", "type": "definition", "offset": [692, 700]}, {"key": "new-guarantee-period", "type": "definition", "offset": [777, 797]}, {"key": "expiration-date", "type": "definition", "offset": [864, 879]}, {"key": "for-example", "type": "definition", "offset": [988, 999]}, {"key": "following-year", "type": "definition", "offset": [1138, 1152]}, {"key": "home-office", "type": "definition", "offset": [1278, 1289]}, {"key": "address-of-the-company", "type": "clause", "offset": [1294, 1316]}, {"key": "insurance-and-annuity", "type": "clause", "offset": [1362, 1383]}, {"key": "of-new-york", "type": "definition", "offset": [1392, 1403]}, {"key": "issue-date", "type": "clause", "offset": [1483, 1493]}, {"key": "determine-the", "type": "clause", "offset": [1526, 1539]}, {"key": "the-contract", "type": "definition", "offset": [1545, 1557]}, {"key": "the-joint", "type": "definition", "offset": [1669, 1678]}, {"key": "undivided-interest", "type": "clause", "offset": [1704, 1722]}, {"key": "the-entire-contract", "type": "clause", "offset": [1726, 1745]}, {"key": "the-owner", "type": "definition", "offset": [1751, 1760]}, {"key": "joint-ownership", "type": "definition", "offset": [1819, 1834]}, {"key": "page-9", "type": "clause", "offset": [1850, 1856]}], "samples": [{"hash": "awxymg0WaBE", "uri": "/contracts/awxymg0WaBE#fixed-account", "label": "Flexible Premium Deferred Variable Annuity Contract (Price T Rowe Var an Acct of Fir Sec Ben Lif Ins&ann Co of Ny)", "score": 18.0, "published": true}, {"hash": "36nCIngXg9a", "uri": "/contracts/36nCIngXg9a#fixed-account", "label": "Flexible Premium Deferred Variable Annuity Contract (Price T Rowe Var an Acct of Fir Sec Ben Lif Ins&ann Co of Ny)", "score": 18.0, "published": true}], "size": 8, "snippet": "The Fixed Account is part of the Company's general account. The Company manages the general account and guarantees that it will credit interest on Fixed Account Contract Value at an annual rate at least equal to the Guaranteed Rate. This Rate is shown on page 3. GUARANTEE PERIOD Current Interest, if declared, is fixed for rolling periods of one year, referred to as Guarantee Periods. The Guarantee Period that applies to any Fixed Account Contract Value: (1) starts on the date that such Contract Value is allocated to the Fixed Account pursuant to: (a) a Purchase Payment Received by the Company; or (b) an Exchange to the Fixed Account; and (2) ends on the last day of the same month in the year in which the Guarantee Period expires. When any Guarantee Period expires, a new Guarantee Period shall start for such Contract Value on the date that follows such expiration date. Such period shall end on the immediately preceding date in the year in which the Guarantee Period expires. For example, Contract Value exchanged to the Fixed Account on June 1 would have a Guarantee Period starting on that date and ending on June 30 of the following year. A new Guarantee Period for such Contract Value would start on July 1 of that year and end on June 30 of the following year. HOME OFFICE The address of the Company's Home Office is First Security Benefit Life Insurance and Annuity Company of New York, 70 West Red Oak \u2587\u2587\u2587\u2587, \u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587. \u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587 The Issue Date is the date the Company uses to determine the date the Contract becomes incontestable. The Issue Date is shown on page 3. Please see \"Incontestability\" on page 7. JOINT OWNER The Joint Owner, if any, shares an undivided interest in the entire Contract with the Owner. The Joint Owner, if any, is named on page 3. Please see \"Joint Ownership\" provisions on page 9.", "hash": "85b307be2aaaf80f9d3b24121ddeab4a", "id": 8}, {"snippet_links": [{"key": "fixed-allocation", "type": "definition", "offset": [8, 24]}, {"key": "minimum-allocation", "type": "definition", "offset": [29, 47]}, {"key": "the-fixed-account", "type": "clause", "offset": [51, 68]}, {"key": "minimum-guaranteed-interest-rate", "type": "definition", "offset": [111, 143]}, {"key": "guarantee-periods", "type": "clause", "offset": [152, 169]}, {"key": "periods-of", "type": "clause", "offset": [199, 209]}, {"key": "the-right", "type": "clause", "offset": [257, 266]}, {"key": "to-offer", "type": "definition", "offset": [267, 275]}, {"key": "contract-date", "type": "definition", "offset": [341, 354]}, {"key": "index-rate", "type": "definition", "offset": [442, 452]}, {"key": "the-us", "type": "clause", "offset": [505, 512]}, {"key": "treasury-strips", "type": "definition", "offset": [514, 529]}, {"key": "the-applicable", "type": "clause", "offset": [576, 590]}, {"key": "based-on", "type": "definition", "offset": [616, 624]}, {"key": "period-from", "type": "definition", "offset": [629, 640]}, {"key": "day-of", "type": "clause", "offset": [650, 656]}, {"key": "calendar-month", "type": "definition", "offset": [661, 675]}, {"key": "prior-to-the", "type": "clause", "offset": [687, 699]}, {"key": "rate-determination", "type": "clause", "offset": [724, 742]}, {"key": "applicable-maturity-date", "type": "definition", "offset": [834, 858]}, {"key": "following-the", "type": "definition", "offset": [904, 917]}, {"key": "last-day", "type": "definition", "offset": [918, 926]}, {"key": "the-guarantee", "type": "clause", "offset": [930, 943]}, {"key": "suitable-replacement", "type": "definition", "offset": [1037, 1057]}, {"key": "right-to-set", "type": "clause", "offset": [1148, 1160]}, {"key": "in-no-event-will", "type": "clause", "offset": [1210, 1226]}, {"key": "a-credit", "type": "definition", "offset": [1307, 1315]}, {"key": "premium-payment", "type": "clause", "offset": [1338, 1353]}, {"key": "the-accumulation-value", "type": "clause", "offset": [1365, 1387]}, {"key": "the-credit", "type": "definition", "offset": [1389, 1399]}, {"key": "pro-rata", "type": "definition", "offset": [1416, 1424]}, {"key": "variable-separate-account", "type": "definition", "offset": [1433, 1458]}, {"key": "guaranteed-interest-division", "type": "definition", "offset": [1489, 1517]}, {"key": "applicable-premium", "type": "definition", "offset": [1543, 1561]}, {"key": "equal-to", "type": "definition", "offset": [1585, 1593]}, {"key": "in-the-following-circumstances", "type": "clause", "offset": [1657, 1687]}], "samples": [{"hash": "6XBI6XaDYbH", "uri": "/contracts/6XBI6XaDYbH#fixed-account", "label": "Deferred Combination Variable and Fixed Annuity Contract (VOYA INSURANCE & ANNUITY Co)", "score": 29.0958251953, "published": true}, {"hash": "kcMJPBAHFMh", "uri": "/contracts/kcMJPBAHFMh#fixed-account", "label": "Deferred Combination Variable and Fixed Annuity Contract (Separate Account B of Golden American Life Insurance Co)", "score": 18.0, "published": true}, {"hash": "kPc2KR5NTpA", "uri": "/contracts/kPc2KR5NTpA#fixed-account", "label": "Deferred Variable and Fixed Annuity Contract (Golden American Life Insurance Co /Ny/)", "score": 18.0, "published": true}], "size": 7, "snippet": "MINIMUM FIXED ALLOCATION The minimum allocation to the Fixed Account in any one Fixed Allocation is [$250.00]. MINIMUM GUARANTEED INTEREST RATE - [3%.] GUARANTEE PERIODS We currently offer Guarantee Periods of [1,2,3,4,5,6,7,8,9 and 10] year(s). We reserve the right to offer Guarantee Periods of durations other than those available on the Contract Date. We also reserve the right to cease offering a particular Guarantee Period or Periods. INDEX RATE The Index Rate is the average of the Ask Yields for the U.S. Treasury Strips as reported by a national quoting service for the applicable maturity. The average is based on the period from the 22nd day of the calendar month two months prior to the calendar month of Index Rate determination to the 21st day of the calendar month immediately prior to the month of determination. The applicable maturity date for these U.S. Treasury Strips is on or next following the last day of the Guarantee Period. If the Ask Yields are no longer available, the Index Rate will be determined using a suitable replacement method. We currently set the Index Rate once each calendar month. However, we reserve the right to set the Index Rate more frequently than monthly, but in no event will such Index Rate be based on a period less than 28 days. CREDIT ADDED TO PREMIUM A Credit will be added to each Premium Payment applied to the Accumulation Value. The Credit will be applied pro rata to each Variable Separate Account Division, Fixed Allocation or Guaranteed Interest Division in the same ratio as the applicable Premium Payment. The Credit is equal to [4%] of the Premium Payment applied to the Accumulation Value. 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