Our Products
Solutions built around your life.
Guaranteed growth and lasting value — for every season of a Louisiana life.
01 — Annuities
Live Oak Legacy
Five ways to guarantee your growth.
The Live Oak Legacy suite brings fixed and flexible annuity strategies together under one name — each built for a different way Louisiana families and retirees like to grow and protect their money. Whether you're depositing once or over time, want a rate locked in stone or the freedom to walk away anytime, there's a Live Oak Legacy contract built for it.
Live Oak Legacy MYGA SPDA
One deposit, one guaranteed rate — locked for your entire chosen term, from 2 to 20 years. Our flagship annuity offers the simplicity of a CD with the tax-deferred growth of an annuity, and rate certainty from day one.
Live Oak Legacy SPDA
A single deposit with a strong first-year rate, followed by annual rate reviews backed by a guaranteed minimum. Built for clients comfortable with some rate movement in exchange for the chance to capture rising rates.
Live Oak Legacy FPDA
Make your first deposit, then keep adding to the same contract over time — anytime, in amounts as small as $1,000. The credited rate is declared annually and backed by a guaranteed minimum, so your account keeps growing as you fund it. Ideal for consolidating CD maturities, retirement contributions, or windfalls into one place without opening a new contract each time.
Live Oak Legacy FPDA + MMA Rider
Full access, always. Withdraw your entire account value at any time, with no surrender charges and no market value adjustment. Built for clients who value liquidity as much as growth.
Live Oak Legacy SPDA + SOFR Rider
A single deposit with a credited rate tied to SOFR, the benchmark short-term interest rate used across financial markets. Built for rate-aware clients who want their annuity to move with the market.
| Live Oak Legacy Product | Premium | Rate Type | Guarantee Periods | Full Liquidity | Optional Riders |
|---|---|---|---|---|---|
| MYGA SPDA | Single | Locked at issue | 2–20 years | — | Death/Terminal Illness Benefit, 10% Free Withdrawal, Nursing Home |
| SPDA | Single | Company-declared, annual | 2–20 years | — | Death/Terminal Illness Benefit, 10% Free Withdrawal, Nursing Home |
| FPDA | Flexible | Company-declared, annual | 2–20 years | — | Death/Terminal Illness Benefit, 10% Free Withdrawal, Nursing Home |
| FPDA + MMA Rider | Flexible | Company-declared, annual | — | ✓ Full account value, any time | None — full liquidity is built in |
| SPDA + SOFR Rider | Single | SOFR-indexed | 2–20 years | — | Death/Terminal Illness Benefit, 10% Free Withdrawal, Nursing Home |
Contract Features
General terms below apply to the MYGA SPDA, SPDA, FPDA, and SPDA + SOFR Rider contracts. The FPDA + MMA Rider does not offer optional riders or a separate free-withdrawal provision — see the product table above for its full-liquidity terms.
| Contract Feature | Details |
|---|---|
| Guarantee periods | 2 – 20 years |
| Issue ages | 0 – 80 (81+ by approval) |
| Minimum premium | $10,000 |
| Maximum premium | $1,000,000 (higher by approval) |
| Markets | Qualified & non-qualified |
| Free withdrawals | Accumulated interest; 10% free-withdrawal rider available |
| Riders | Death/Terminal Illness Benefit Rider · Nursing Home Rider · required minimum distributions accommodated |
Product specifications, riders, and availability shown are representative and subject to change. Guarantees are backed by the claims-paying ability of Louisiana Life and Annuity Insurance Company. Connect with an agent for current rates and state availability.
02 — Wealth & Securities
Stability beyond
the market.
For accredited investors: fixed-term investment certificates offered under SEC Regulation D — predictable performance and portfolio diversification, sheltered from market volatility.
Investment certificates are fixed-income security products with a stated term and a stated return — an alternative vehicle for investors who value stability over speculation.
Offerings are made pursuant to Regulation D, Rule 506(c), and are available to accredited investors only. Connect with our team to review current terms, durations, and rates.