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Current 1-Year Guarantee is Just Under 4.65% and CHANGES EACH YEAR! Also floats monthly; Guaranteed fixed interest for 1 year; Available ages 0-85; $300.00 Minimum Deposit; You can add money any time without extending the length of the surrender charge period; Includes a Terminal Illness Rider and Long-Term Care Waiver; Access to the account value starting year 1! Mark Kleeman - Senior Advisor LEADING FRATERNAL INSURANCE CO. Call 800-758-0449 for more information