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Shelton, CT 06484

(833) 637-4854

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You should consider the features of this fixed deferred annuity contract carefully before purchasing. This and other important information is contained in the prospectus, which can be obtained from You should read the prospectus carefully before purchasing.

The information provided is not intended as legal or tax advice. Please consult with your Financial Advisor before purchasing. This product may not be available in all states.

Fixed Contingent Deferred Annuities are issued by Merit Life Insurance Co . Guarantees are backed by the claims-paying ability of the issuing company. Merit CDAs have no cash value, surrender value, or death benefit.

Merit Life Insurance Co. is rated A- (Excellent) by AM Best. The rating is as of August 3, 2021 and is subject to change. For the latest Best’s Credit Rating, access Please note this rating does not apply to any investment product.

Banyan is available through wealth management firms that have entered into operating agreements with Merit. The prospectus outlines criteria for acceptable wealth management firm portfolios that are useable in relation to CDAs. Annuities may be continued if accounts are moved to Merit contracted wealth management firms. For a list of approved firms, please contact 833.637.4854. Please note Merit CDAs may be terminated for breach of the wealth management firm’s portfolio investment guidelines and/or if Merit’s operating agreement with a wealth management firm is terminated.

Securities transactions are effected through INTE Securities LLC, Member FINRA ( (  To view INTE Securities LLC, go to