10% Guar Lifetime Income, 5-7 Year Surrender, Caps Up to 7%?

[Freddie]

Sorry - I am not trying to pimp anything but got this spam. This one sounds too good to be true:

S-T indexed annuities
5-7 year surrender charges
Caps to 7%
ROP - no charge to client
10% (!!) Guaranteed Lifetime Income with 100% Return of Ride charges at death
LTC & Terminal illness waivers
10% first year penalty free WD
mult interest crediting strategies
Full accumulation at death

Possible companies:
amer eq
amer general
amer investors
amer natl
annuity investors life
assurity
aviva
equitrust
forethought
fort dearborn
genworth
great american life
ing
legacy
lsw
lincoln benefit
lincoln fin group
loyl am
natl west life
n amer
old mut
oxford
rbc
reliance
sagicor
sun life
the standard

 

[ScottLFB]

You sure it's only one product and not a ad slick for multiple features? 10% income factor seems very steep for a 10-14yr product let alone only a 5-7yr product...