You Dream It , We ’ ll Build It !
With 45 plus years of experience , our unique building process is smooth , enjoyable and personal , ensuring your new home is built on time and on budget .
We Offer :
• Unique Designs
• Exceptional Craftsmanship
• Quality Materials
814-833-6516 www . malenohomes . com
Rates effective October 24 , 2022
Earn more with higher rates !
FG Guarantee Platinum ® Single Premium Deferred Annuity Series
FG Guarantee Platinum 3 FG Guarantee Platinum 5 FG Guarantee Platinum 7
1
4.50 %
Additional Benefits :
• Tax-free interest earned for the duration of the three , five or seven-year term 4
• Penalty-free withdrawals of interest earned throughout the contract 5
• MYGAs are free from market risk
2
5.20 %
3
5.40 %
Contact us today for more information ! Lori Petruso Sobin & Peter Petruso
Petruso Financial Services
814-833-9891
www . petrusofinancialservices . com
“ F & G ” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York . Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company , Des Moines , IA .
Rates are as of October 24 , 2022 .
1
Three-year interest rate reflects a limited time interest rate . This rate is subject to change at any time at the company ’ s sole discretion . The initial interest rate is guaranteed for the first three years only . Additional restrictions apply .
2
Five-year interest rate reflects a limited time interest rate . This rate is subject to change at any time at the company ’ s sole discretion . The initial interest rate is guaranteed for the first five years only . Additional restrictions apply .
3
Seven-year interest rate reflects a limited time interest rate . This rate is subject to change at any time at the company ’ s sole discretion . The initial interest rate is guaranteed for the first seven years only . Additional restrictions apply .
4
When your client takes payouts or makes a withdrawal , your client pays ordinary income taxes on the interest earned .
5
Withdrawals in excess of the accumulated interest on the annuity will be subject to surrender charges and Market Value Adjustment .
There is a 30-day window at the end of each three , five or seven-year guarantee period where your client may withdraw all or part of the annuity value without application of surrender charges or Market Value Adjustment . A new guarantee period and surrender charge period will begin after the end of the previous ones . Optional provisions and riders may have limitations , restrictions and additional charges . Subject to state availability . Certain restrictions may apply . Information provided regarding tax or estate planning should not be considered tax or legal advice . Consult your own tax professional or attorney regarding your unique situation . Policy form numbers : FGL SPDA-MY-F-C ( 6- 04 ), FGL SPDA-MY-F ( 07-04 ); ICC14-1095 ( 06-14 ). Form number and availability may vary by state .
Fidelity & Guaranty Life Insurance Company
ADV 3140 ( 02-2022 ) Rev . 10-2022
48 724.942.0940 TO ADVERTISE ❘ icmags . com