Annuity Rate Sheet
| | | MYGA |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
NOT
Approved |
Allianz
A/AA | Dominator Plus SPDA
4/01/2013 | 5yr
$25k- $99,999: 1.50%
$100K+: 1.50%
10yr
$25k-$99,999: 1.90%
$100k+: 2.00% | | $25k Q/NQ
Min Guar =
90% premium @3% | 10% of Premium per Year Starting Firs Year | 9 - 8.1 - 7.2 - 6.3 - 5.4 - 4.5 - 3.6 - 2.7 - 1.8 - 9 - 0 %
+/- MVA 30 day window after the 5 yr guar. period | 0-85
DB = AV | Yr 5
0-75: 3%
76-80: 2%
81+: 1%
Yr 10
0-75: 4%
76-80: 3%
81+ : 2% | Not Available:
MN, MO, NY, OR
|
|
American Equity
A- | Guarantee 5
5/1/2013 | 2.30% | Minimum Guarantee 1%
Interest Rates are .50% less in CA, DE, MN, PA, WA | $10,000 | Annually, Penalty-free withdrawal of interest credited that year. | 9%,8%,7%,6%,5%,0 | 0-80 | 0-75 3%
76-80 2% | AK, MO |
|
American Equity
A- | Guarantee 7
5/1/2013 | 2.70% | Minimum Guaranteed Interest Rate 1%
Interest Rate .50% less in CA, DE, MN, PA, WA | $10,000 | Annually, Penalty-free withdrawal of interest credited that contract year | 9%,8%,7%,6%,5%,4%,3%,0 | 0-80 | 0-75 3%
76-80 2% | AK, MO, OR, WA |
|
American General
A/A+ | AG Horizon Select
SPDA
5/1/13 | 5 yr: 1%
7 yr: 1%
10 yr: 1.75% | GMWV= 90%@1.5% | $5k
NQ/Q | 10% of Annuity Value per Year | 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 %
+/- MVA 30 window at end of guar. term | 0-85
DB= AV | Select 5: 0-80; 1.70% 81-85; 1.20% Select 7 & 10: 0-80: 3.50%
81-85: 2.50% Call for commissions in DE, NV, SC & TX | AK, MN, MO, NJ, NY, OH, OR, PA, UT, WA
5 & 7 yr = W/C Varies in TX
10 yr not avail in DE, NV, SC, TX as well |
|
American National
A/A+ | Palladium MYG
5/1/13 | 5 yr: 1.2%
6 yr: 1.2%
7 yr: 1.84%
8 yr: 1.9%
9 yr: 1.92%
10 yr: 1.9% | * Deposits over $100,000 receive an additional 10 basis points for the life of the contract. | $5,000
Q/NQ
1% min. guar.
| 10% after 1st year | (10) 8 - 8 - 8 - 7- 6 - 5 - 4 - 3 - 2 - 1 %
* surrender varies per selection | 0-85
| 5 yr:
0-79: 2.20%
80+: 0.200%
6, 7, 8 yr.
0-79: 1.70%
80-85: .40%
9 Yr: 0-79: 2.70% 80-85: 0.70% 10 yr: 0-79: 3.20%: 81+: 1.20% | NY, UT |
|
Athene
B++ | MaxRate MYGA 5&7
5/4/13 | 5 Year
2.5%
Enhanced Liquidity Option
2.3%
7 Year
3%
Enhanced Liquidity Option
2.75%
- 10 BPS in FL
- 30 BPS in CA
| Add. Premium
Up to 5 in 1st 6 Months | 5k Min
1Mil. Max.
Q-NQ | No free withdrawls | 5 Year
9, 8, 7, 6, 5
7 Year
9, 8, 7, 6, 5, 4, 3
30 Day window at end of guar. period | 0-80
DB=SV | 5 Yr.
0-75: 2.25%
76-80: 1.5%
7 Yr.
0-75: 2.5%
76-80: 1.7%
| New York |
|
Athene
B++ | 7 MYG
5/4/13
| Yr.1= 3.5%
Yrs.2-7= 2.5%
Eff. Yield= 2.64% | Available only in CA and DE
Add. Premium 1st 12 Mon.
Credited at current rate at time of premium | 5k Min. 1 Mil. max | 10% per year after 1st year | 7, 7, 7, 6, 5, 4, 3 | 0-80 Q/NQ
DB=AV | 0-75 2.75%
76-80 1.5% | Only Available in California & Delaware |
|
EquiTrust
B++
S&P: BBB+ | Certainty Select
5/1/13
| 5 year: 2.5%
6 year: 2.85%
8 yr: 3%
10 yr: 3.25% | | $10k | Interest beginning after 30 days | 5 year:
9 - 8.5 - 8 - 7.5 - 7 %
6 year:
9 - 8.5 - 8 - 7.5 - 7 - 6.5 %
8 year:
9 - 8.5 - 8 - 7.5 - 7- 6.5 - 6 - 5.5 %
10 year:
9 - 8.5 - 8 - 7.5 - 7 - 6.5 - 6 - 5.5 - 5 - 4.5 % | 0 - 90 | 5 - 6 - 8 - 10
Ages: 0-80 : 3.00%
Ages: 81-90 : 2.25%
| IN, MN, NY, OR, UT, WA
Certainty: IN, MN |
|
Fidelity & Guarantee Life
B++ AM Best | F&G Guarantee Platinum
5/1/13
| 3 Yr = 1.20%
5 yr = 1.60%
7 yr = 2.10%
5 yr= 1.45% in CT/NC/OK
|
| $5k NQ
$2k Q
MGIR = 1.15% | Accumulated interest | 3 yr = 9,8,7
5 yr = 9,8,7,6,5,0
7 yr= 9,8,7,6,5,4,3,0
(30 day free w/drawal window at end of guar. period)
Surrender charges repeat at the end of guar. period except in CT, NC, OK. | 1- 90
Q/NQ
DB = AV | 3 yr:
0-80: 1.5%
81-90: .75%
5 yr:
1- 80: 2.5%
81-90: 1.25%
7 yr:
0 - 80: 3.25%
81-90: 1.62%
| AL, MN, NY, OR, WA |
|
Great American Life Insurance
A/A+ | SecureGain 5 NEW!
5/1/13 | Premium over $100k: 1.6%
Premium under $100k: 1.5% | Minimum Guaranteed Interest Rate = 1% | $10,000 | 10% annually | 9,8,7,6,5,0 | 18-89 Q
0-89 NQ | 18-80 2.50%
81-89 1.50% | CT.
No MVA and Lower Rates in IN, MN, MO, OH, VA |
|
Great American Life Insurance
A/A+ | SecureGain 7
5/1/13 | Premium over $100k: 2.04%
Premium under $100k: 1.94% | Minimum Guaranteed Interest Rate = 1.00% | $10,000 | 10% free withdrawal | 9,8,7,6,5,4,3,0% | 18-85 Q
0-85 NQ | 18-80 3.50%
81-85 1.50% | CT.
No MVA in IN, MN, MO, OH, VA |
|
ING Annuity & Life
A/AA- | Guarantee Choice
5/1/13 | $15,000 Band
7 yr= 1.5%
10 yr= 1.5%
$75,000 Band
7yr
1st yr: 2.5%
yrs2-7 1.5%
10yr
1st yr: 2.5%,
yrs 2-10 1.5% | 5yr temporarily suspended | $15k
Q/NQ | interest after 30 days prior 12 months max
10% W/D after 1st yr with no surrender charge or MVA
30 day window @ end of guarantee period for no surrender charges
| 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 %
+MVA | 0-80
DB = AV | Option 1:
7 yr: 2.5%
10 yr: 3.25%
Option2:
7 yr: 1.5%
10 yr: 2%
+ 25bp trail yr 2+ | NY |
|
Lincoln Financial
A+/AA | MYGuarantee Plus
5/8/13
| <$100k
5yr: 1.05%
6yr: 1.15%
7yr: 1.4%
8yr: 1.45%
9yr: 1.5%
10yr: 1.55% | >$100k
5yr: 1.2%
6yr: 1.3%
7yr: 1.55%
8yr: 1.6%
9yr: 1.65%
10yr: 1.7% | $10,000 | 10% free withdrawal each year | 7,7,6,5,4,3,2,0% | 0-85 | 0-75:
5yr: 2.00%
6yr: 2.25%
7-10yr: 2.50%
76-80:
5yr: 1.30%
6yr: 1.50%
7-10yr: 1.60%
81-85:
5yr: 0.75%
6yr: 0.75%
7-10yr: 1.00% | IL,MN,MO |
|
| North American "A+" | NA Guarantee Choice
5/1/13 | High Band $200k+
3 yr: 1.4%
4 yr: 1.65%
5 yr: 1.9%
6 yr: 2.25%
7 yr: 2.5%
8 yr: 2.75%
9 yr: 3%
10 yr: 3.1%
Low Band - $200k
3 yr: 1.15%
4 yr: 1.4%
5 yr: 1.65%
6 yr: 2%
7 yr: 2.3%
8 yr: 2.55%
9 yr: 2.75%
10 yr: 3%
| 30 days to withdraw accumulation value at end of interest rate guarantee period. If no action taken, renew for same term. | $10,000 Non-Qualified $2,000 Qualified | May withdraw current year's interest after 30 days | 10%, 10%, 10%, 10%, 10%, 10%, 9%, 8%, 6%, 4%, 2% | 0-90 | 3 Year 0-80 = 1.50% 81-85 = 1.125% 86-90 = 0.75% 4 Year 0-80 = 2.00% 81-85 = 1.50% 86-90 = 1.00% All Other Terms 0-80 = 2.50% 81-85 = 1.875% 86-90 = 1.25% | AK, MN, MO, NV, OH, OR, UT, VA, WA |
|
Sentinel Security Life
B++ | Annuity 5, 7 & 10 Year
3/1/2013
Rate | 5 Year: 2.95%
7 Year: 3.20%
10 Year: 3.45% | -0.16% RMD
-0.08% 10% W/D
-0.05% 72(t) W/D
-0.08% Interest W/D
-0.15% TI/NH Waiver
-0.35% Death Benefit | $2,500 | See Additional Information | Issue Ages 0-59:
9%, 8%, 7%, 6%, 5%, 5%, 5%, 5%, 5%, 5%, 0%
Issue Ages 60-90:
8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% | 0-90 | 5 & 7 Year:
2.25% 0-80;
1.50% 81-90
10 Year:
2.75% 0-80;
2.00% 81-80 | ONLY IN:
AZ, CA, CO, FL, HI, ID, IA, KS, LA, MN, MT, NE, NV, NM, NC, ND, OK, OR, SD, TX UT, WA, WY |
| | Back To Top | [Print-friendly Version] | | FIXED ANNUITIES |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
NOT
Approved |
American General
A/A+ | Horizon MYG
5/1/13 | 1st yr rate: 4%
Base Rate: 1%
1st Year Interest Rate Bonus: 3% | GMWV= 90%@1.5% | $5k Q
$5k NQ | 10% free w/drawals | 10 Yrs
10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 % | 0 - 85 NQ/Q
DB= AV | 0 - 75: 6.00%
76 - 80: 3.00%
81- 85: 2.00%
DE, MN, MO, NV, OH, OP, PA, SC, TX, WA:
0-75: 5.00%
76-80: 2.50%
81-85: 1.50% | AK, NJ, NY, UT
Non MVA approved in:
MA,PA,OR,WA |
|
American General
A/A+ | HorizonPlus
5/1/13 | 1st yr rate: 5%
2-6 yrs: 1%
1st Year Interest Rate Bonus: 4%
| GMWV = 90%@1.5% | $5k Q
$5k NQ | 10% free w/drawls | 10 Yrs
9 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 % | 0 - 85 NQ
0 - 70 Q | 0 - 75: 2.75%
76 - 80: 1.70%
81 - 85: 1.20% | AK, MN, MO, NJ, NY, OH, OR, PA, UT, WA |
|
American National
A/A+ | Citadel 5 Diamond
SPDA
5/1/13 First Year: 1.00%
Base rate: 1.00% guaranteed for 2 years | Guaranteed Return of Premium * Deposits over $100,000 recieve additional 10 basis points for the life of the contract.
* 1% Min. Guar | Min:
$5,000
Q/NQ
Max:
$ 1mill | 10% of contract value as of
beginning of each policy year,
including first year.
min. w/d: $250 | 7 - 7 - 7 - 6 - 5 % | - annuitant: 0 - 85
- owner: no max age
- policy is owner driven | 0 - 80: 2.50%
81 - 85: 1.50%
based on age of annuitant | NY |
| |
American National
A/A+ | Citadel 7 Diamond FPDA (1st 3 yrs)
5/1/13
| First Year: 2%
Base Rate: 1% (guaranteed for 2 years) | Guaranteed Return of Premium * Deposits over $100,000 recieve an additional 10 basis points for
the life of the contract
* 1% Min Guar | Min.:
$5,000 NQ
$2,000 Q
Max.:
$1 mill | 10% of CV
starting in yr 1 | 7 - 7 - 7 - 6 - 5 - 4 - 2 % | -annuitant: 0 - 85
- owner: no max age
- policy is owner driven | 0 - 80: 3.00%
81 - 85: 2.00%
based on age of annuitant | NY |
|
EquiTrust
B+
S&P: BBB+ | Choice Four
5/1/13
| 1st yr rate:
6 yr: 2%*
9 yr: 2.5%*
*includes 0.0% 1st yr bonus if MVA rider added | Min 3% on 100% of premium | $10k | 6 yr = interst or 10% w/drawal
9 yr = interest | 9 yr:
12 - 11 - 10 - 9 - 8 - 7 - 6 - 4 - 2 - 0 %
6 yr:
12 - 11 - 10 - 9 - 8 - 8 - 0 % | 0 -85
DB = AV | 0 - 80: 5.50%
81 - 85: 4.125% | AK, CT, IN, MD, MA, MN, NY, OK, OR, TX, UT, VT, WA |
|
Great American Life
A/A+ | Secure American FPDA
5/1/13
| First Year: 2.45% Base Rate: 1.45%
| 1% annuitization bonus vests per yr (up to 10%) Monthly interest w/d from Cash Value available immediately. | $10k Add'l pay't min
$5k in 1st 3 yrs | 10% w/d begin in 1st yr | 7 years:
9 - 8 - 7 - 6 - 5 - 4 - 3 % | 18 - 89: Q
0 - 89: NQ | 1st yr:
0 - 70: 5.75%
71 - 80: 4.65%
81 - 89: 4.40% | AK, MA, NV, NH, NJ,
NY, PA, UT, WA |
|
Integrity Life Insurance
A+/AA+ | SPDA Series II
5/1/13
| Average Annual Rate
GRO
1yr 2.05%
3yr 1.33%
5yr 1.2%
7yr 1.14%
| Return Of Premium Available | $3,000 Q/NQ | 10% annually immediately | 7%,7,7,6,5,4,3,0 | 0-85 | 1 & 3 yr period
0-79 4%
80-85 2.25%
5 & 7 yr period
0-79 3%
80-85 1.25% | ME, NH, VT |
|
Integrity Life Insurance
A+/AA+ | Momentum Advantage SPDA
5/1/13 | (GRO) Average Annual Rate
4 Yr:1.18%
5 Yr:1.15%
7 Yr:1.65%
10 Yr:1.97% | Guaranteed Rate Option (GRO) | $20,000 Q/NQ | 10% Withdrawal immediately | 4yr = 8%,8,7,7
5yr = 8%,8,7,7,6
7yr = 8%,8,7,7,6,6,5
10yr = 8%,8,7,7,6,6,5,5,4,4, | 4 & 5 yr= 0-86
7 yr = 0-85
10 yr = 0-83 | 4 yr
0-79 2%
80-86 .5%
5 yr
0-79 2.5%
80-86 .5%
7 yr
0-79 3%
80-85 1%
10 yr
0-79 3.5%
80-83 1.5% | AK,ME,NH,SC,UT,VT,WA |
|
Reliance Standard Life
A/A | Apollo MVA Non MVA
4/01/2013 | 7 Year:
MVA:
First Year: 2.80%
Base Rate: 1.80% Blended Rate: 1.94%
Non MVA:
First Year: 2.65%
Base Rate: 1.65%
Blended Rate: 1.79% | 4% annuitization bonus after year 5 if annuitized for 10+ years | $5k
Q/NQ
Guar. Min: 1% | Systematic w/drawal of interest or 10% annual w/drawal beginning in the first year. 3 up to a maximum of 30% of the single premium, (Cumulative not available in WA.) | 9, 8, 7, 6, 5, 4, 2, 0 %
+/- MVA | annuitant: 0 - 85
owner: any age
DB = AV
If owner and annuitant are the same | 0 - 75: 5.25
76 - 80: 4.20%
81 - 85: 3.15%
Commissions reduced 1% for NQ annuities written in ME, SD, WV, WY | AL,MD, MN, MT, NY, OR, TX, UT, VT, WA
Non MVA approved: AL,MT.NY |
|
Reliance Standard Life
A/A | Eleos MVA
SPDA
4/01/2013 | MVA:
5 years
First Year 3.00%
Base Rate: 2.00% Blended Rate: 2.20%
| Non-MVA (SP):
5 years
First Year: 2.85%
Base rate: 1.85% Blended Rate: 2.05% | $10k
Q/NQ
Guar. Min: 1% | Systematic w/drawal of interest or 10% annual w/drawal beginning in the first year. | 5 yr:
8, 7, 6, 5, 4, 0%
+/- MVA | annuitant: 0 - 85
owner: any age
DB = AV
If owner and annuitant are the same | 0 - 75: 3.25%
76 - 80: 2.60%
81 - 85: 1,95% | AL,MD,MN,MT,NY,OR,TX,UT,VT,WA
NON MVA approved: AL,MO,MT,NY,UT |
| | Back To Top | [Print-friendly Version] | | FIXED INDEXED ANNUITIES |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
NOT
Approved |
Allianz
A/AA Flexible Premium First Year | Endurance Elite
4/2/2013 | Monthly Sum Cap
Nasdaq 100: 1.7% S&P 500: 1.6% Euro Stoxx 50: 1.7%
Annual Pt. to Pt. Cap
Nasdaq 100: 2.5% S&P 500: 2.5% Euro Stoxx 50: 2.75%
Blended Index: 2.5%
Monthly Average w/spread
Blended Index: 4%
Fixed Interest: 1.25% | Enhanced Withdrawal Benefit (EWB):
-10% bonus
-105%crediting
-10 yr certain or life payout | $10K Q/NQ
Min Guar= 87.5% of premium @ 1% | 10% Free Withdrawal after First Year | 6 yrs:
8.5, 8,7,6,5,4,0 | 0-80
DB = AV in Lump Sum
EWB over 5 yrs | Option A:
0-75= 4.5%
76-80= 3%
Call for Trail Options | NY, WA
Call for State variations |
|
| Allianz Preferred A/AA | Allianz 222
4/2/2013 | Monthly Sum Caps
Nasdaq 100: 2% S&P 500: 1.9% Euro Stoxx 50: 2%
Annual Pt. to Pt. Caps
Nasdaq 100: 3.25% S&P 500: 3.25% Euro Stoxx 50: 3.5%
Blended Index: 3.25%
Monthly Average w/spread- Blended Index: 4%
Fixed Interest: 1.35%
| 15% Protective Income Value (PIV) Bonus: 50% Interest Bonus on PIV: Increasing Lifetime Income Bonus: No Fee Rider | $20,000 Q/NQ | 10% Premium after First Year | 10%, 10%, 10%, 8.75%, 7.50%, 6.25%, 5.00%, 3.75%, 2.50%, 1.25%, 0% | 0-80 | Option A: 0-75 = 6.65% 76-80 = 4.75% Call for Trail Options | CA, CT, HI, NM, PA, WA |
|
Allianz Preferred
A/AA | Allianz 360
4/2/2013
FPDA (1st 3 yrs) | Monthly Sum Cap
Nasdaq 100: 1.7% S&P 500: 1.7% Euro Stoxx 50: 1.8%
Annual Pt. to Pt. Cap
Nasdaq 100: 2.5% S&P 500: 2.5% Euro Stoxx 50: 2.75%
Blended Index: 2.5%
Monthly Average w/spread
Blended Index: 4%
Fixed Interest: 1.5% | * 50% Interest Bonus Annually Income AND Account Value:
* 1.05% charge (1.00% in DE & MN)
* Withdrawal % Increases Each Year until Income Begins | $20K Q/NQ
Min Guar = 87.5% of prem @1.35% | 10% of Premium per Year after the Anniversay of the Last Deposit | 10 Yrs:
10, 10, 10, 8.75, 7.5, 6.25, 5, 3.75, 2.5, 1.25, 0 | 0-80
DB = AV | Option A:
0-75:6.65%
(3.325% yrs2-3)
76-80:4.75%
(2.375% yrs2-3)
Call for Trail Options | NY
call for state variations |
|
Allianz Preferred
A/AA | Allianz 365i
4/2/2013
FPDA First 3 Years | Monthly Sum Cap
Nasdaq 100: 1.6% S&P 500: 1.6% S&P 500 Select: 2.1%
EuroStoxx 50: 1.7%
Annual Pt. to Pt. Cap
Nasdaq 100: 2.5% S&P 500: 2.5% S&P 500 Select: 4.5%
Euro Stoxx 50: 2.75% Blended Index: 2.75%
Monthly Average w/spread: 4%
Fixed Interest: 1.1% | * 5% Premium Bonus * Income Maximizer Rider: 1.20% cost; 5% simple interest rollup + index gains
* call for payout illustration | $20k Q/NQ
Min Guar:
87.5% of premium @ 2.15% for 10 yrs,
then 1% thereafter | 10% of prem per yr after anniversary of last deposit | 10 Yrs:
10, 10, 10, 8.75, 7.5, 6.25, 5, 3.75, 2.5, 1.25, 0 | 0-80
DB = AV
BD rider available | Option A:
0-75: 6.65%
(3.325% yrs2-3)
76-80: 4.75%
(2.375% yrs2-3)
Call for Trail Options | NY
|
|
Allianz
A/AA
| Pro V1
4/2/2013
SPDA | Annual Pt. to Pt. w/spread
Barclay's Capital: 2.25%
PIMCO US Advantage Index: 2.25%
| Payout options:
1x10 on full accum
1x5 interest only | $10k Q/NQ | 10% of premium per yr starting immediately | 6 yrs
8.5, 8, 7, 6, 5, 4, 0 | 0-85 | 0-75 = 3.25%
76-80 = 2%
81-85 = 1%
Call for Trail Options | NY
-Call for state variations |
|
Allianz
A/AA | MasterDex 5 Plus
4/2/2013
FPDA (1st 5 y | Monthly Sum Cap
Nasdaq 100: 1.6% S&P 500: 1.6% FTSE 100: 1.7%
Annual Pt. to Pt. Cap
Nasdaq 100: 2.5% S&P 500: 2.5% FTSE 100: 2.5%
Blended Index: 2.5%
Monthly Average w/spread
Blended Index: 4%
Fixed Interest: 1.1% | 3% Premium Bonus First 5 yrs
(2% bonus in AL, CT, DE, IA, IN, KY, MS, MN, NJ, PA, UT, WA)
(FL ages 65-80= Masterdex 3 Plus with 2% bonus)
Monthly Average w/spread | $15k Q/NQ
min guar = 87.5% of prem @ 2-3% | 10% of prem per yr starting 12 months after the last deposit | 10 yr decreasing.
15% 1st 4 yrs,
then decreases .1786% per month
(variations in AL, CT, DE, IA, IN, KY, MS, CT, MN, NJ, PA, UT, WA) | 0 - 80
DB = AV | Option A:
0 - 75: 6.65%
76 - 80: 4.75%
Call for Trail Options | NY, OR
*call for state variations |
|
Allianz
A/AA | MasterDex X
4/2/2013
FPDA (1st 3 yrs) | Monthly Sum Cap
Nasdaq 100: 1.7% S&P 500: 1.7% S&P 500 Select: 2.2%
Euro Stoxx 50: 1.8%
Annual Pt. to Pt. Cap
Nasdaq 100: 2.75% S&P 500: 2.75% S&P 500 Select: 4.75%
Euro Stoxx 50: 3%
Blended Index: 2.75%
Monthly Average w/spread
Blended Index: 4%
Fixexd Interest: 1.1%
| New Simple Income III rider available
5% Prem Bonus 1st 3 yrs
(vested 10% per yr for 10 yrs) | $20k Q/NQ
Min guar = 87.5% of prem @ 2.5%
| 10% of Premium per Year Starting 12 Months after date of last deposit | 10 yrs:
10 - 10 - 10 - 8.75 - 7.5 - 6.25 - 5 - 3.75 - 2.5 - 1.25 % | 0 - 80
DB = AV | Option A:
1st yr premium:
0-75: 6.65%
76-80: 4.75%
Call for Tail Options | CT, NY
*call for state variations |
|
Allianz
A/AA | Endurance Plus
4/2/2013
FPDA (1st 3 yrs) | Monthly Sum Cap
Nasdaq 100: 2% S&P 500: 1.9% S&P 500 Select: 2.4%
FTSE 100: 2%
Annual Pt. to Pt. Cap
Nasdaq 100: 3.25% S&P 500: 3.25% S&P 500 Select: 5.25%
FTSE 100: 3.5%
Blended Index: 3.25%
Monthly Average w/spread
Blended Index: 4%
Fixed Interest: 1.35% | 20% Premium Bonus in 1st 3 yrs to Enhanced Withdrawal Benefit
1) EWB payout:
-10% for 10 yrs
-guar w/draw for life
2)accum value (no bonus or enhanced interest):
-lump sum after 10 yrs
-annuitized after 1 yr for 10-30 yrs | $10k Q/NQ
Min Guar =
90% prem @ 1.5%
| 10% prem per yr starting 12 months after the last deposit | 10 yrs:
10 - 10 - 10 - 8.75 - 7.5 - 6.25 - 5 - 3.75 - 2.5 - 1.25 % | 0 - 80
DB = AV
or EWB over 5 yrs | Option A:
0 - 75: 6.65%
76-80: 4.75%
Call for Trail Options | NY, WA
Call for state variations
|
|
Allianz
A/AA | MasterDex 10 Plus
4/2/2013
FPDA (1st 5 yrs) | Monthly Sum Cap
Nasdaq 100: 1.9% S%P 500: 1.9% FTSE 100: 1.9%
Annual Pt. to Pt. Cap
Nasdaq 100: 3.25% S&P 500: 3.25% FTSE 100: 3.5%
Blended Index: 3.25%
Monthly Averagw w/spread
Blended Index: 4%
Fixed Interest 1.45%
| 10% Premium Bonus First 5 Years
| $15k Q/NQ
Min Guar =
87.5% of prem @1-3%
| 10% of prem per yr starting 12 months after the last deposit | 5X10:
5yr deferral,
10 -30 yr payout
(includes interest payout) | 0 - 80
DB = AV | Option A:
yr 1:
0 - 75: 7.00%
76 - 80: 5.00%
Call for Trail Options | Not approved: CA, CT, FL, NV, NY, OR, PA, UT, WA |
|
American Equity
A- | Bonus Gold
5/1/2013 | Ann. Pt to Pt CAP 2.75%
Ann. Mo. Avg. CAP 2.75%
Mo. Pt to Pt Cap 1.7% 10 Yr US Treasury Bond 2.5%
Fixed Interest 1.25% | 10% Premium Bonus
MGIR 1.5%
Lifetime Income Benefit Rider | $5,000 Q/NQ | 10% of Contract Value Annually, starting yr 2. | 20,19.5,19,18.5,18,17.5,17,16,15,14,12,10,8,6,4,2,0% | 0-80 | 0-75 6%
76-80 4.5% | AK, AL, CT, DE, MN, NV, NY, OK, OR, TX, UT, WA |
|
American Equity
A- | Retirement Gold
5/1/2013 | Ann. Pt to Pt CAP 2.50%
Ann. Mo. Avg. CAP 2.50%
Mon. Pt to Pt. 1.45%
Fixed Interest 1.10% | 8% Premium Bonus
MGIR 1.5% | $5,000 Q/NQ | 10% of Contract Value Annually, starting in yr 2 | 12.5, 12, 12, 11, 10, 9, 8, 7, 6, 4% | 0-78 | 0-78 6.00% | AK, AL, CT, DE, FL, MN, NJ, NV, NY, OR, PA, SC, TX, UT, WA |
|
| American General A/A+ | AG Global Bonus Index
5/1/13 | Global Multiple Index Cap: 1.5%
Monthly Additive Cap: 1%
Participation Rate: 23%
Fixed Rate: 1.35%
| 5% Premium Bonus GMSV: 100% @ 1% | | 10% After the First Year | | 0-80 | 0-75 = 4.25% 76-80 = 2.20% | AK, CT, DE, MN, MO, NJ, NV, NY, OH, OR, PA, SC, TX, UT, VT & WA |
|
American General
A/A+ | Horizon Index 9 & 12
5/1/13
SPDA | 9 Year:
2% Bonus
2 yr Ann. Pt to Pt Cap: 6.8%
Monthly Additive Cap: 1.05%
Fixed Interest: 1.5%
12 yr:
4% Bonus
2 yr Ann. Pt to Pt Cap: 6.5%
Monthly Additive Cap: 1%
Fixed Interest: 1.45%
| GMWV: 87.5@1% | $5,000 Q / NQ
| 10% of Account Value Annually | 9 yrs:
10 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 2 - 0 %
12 yrs:
12 - 12 - 12 - 12 - 12 - 11 - 10 - 9 - 8 - 7 - 5 - 3 - 0 % | 0 - 75: Q / NQ
DB = AV | 9 yr:
0 - 75: 3.50% 76-80: 1.95% 81-85: 1.70%
12 yr::
0 - 75: 5.50% 76-80: 3.00% 81-85: 2.20% Call for CA, DE, MO, NV, OH, OR, PA, SC, TX, UT, WA | 9 Year is Unavailable in AK, MN, NY, & VT 12 Year is Unavailable in AK, CT, DE, FL, MN, NJ, NY, NV, OH, OR, SC, TX, UT, VT, WA
|
|
American General
A/A+ | Vision Advantage
(7, 9 yr) SPDA
5/1/13 5 yr:
Suspended
7 Year:
Fixed Interest = 1.1%
100% Par Annual Point-to-Point w/Cap: 2.1%
80% Par Annual Point-to-Point w/Cap: 2.2%
Adjustable Par Rate, no Cap: 20%
Monthly Average w/Spread: 5%
9 Year:
Fixed Interest: 1.55%
100% Par Annual Ppoint-to-Point w/Cap: 3%
80% Par Annual Point-to-Point w/Cap: 3.1%
Adjustable Par Rate, no Cap: 27%
Monthly Average w/Spread: 3.8%
GMWV: 87.5% @ 1.00% | | $15k
Q / NQ
| 10% of annuity value Yr 1+ | 5 yr:
9 - 7.5 - 6 - 4.5 - 3 %
7 yr:
9 - 8 - 7 - 6 - 5 - 4 - 3 %
9 yr:
10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 %
waived upon death, extended care | 0 - 85: 5 yr & 7 yr
0 - 80: 9 yr
DB = AV | 7 yr:
0 - 75: 4.50%
76 - 85: 3.00%
9 yr:
0 - 75: 5.50%
76 - 80: 4.00% | AK, CT, DE, MN, MO, NJ, NY, OH, OR, PA, UT, VT, WA
call for TX and state variations |
| |
American General
A/A+ | Vision Maximizer
5/1/13
SPDA | 3% Premium Bonus
100%PR Ann. Pt to Pt Cap: 2.6%
Monthly Avg w/spread: 4.4%
Ann Pt to Pt Par Rate: 24%
Fixed Interest: 1.35%
| Extended Care Rider Included
GMWV = 87.5% @ 1% | $20k
Q / NQ
| 10% of accumul value | 10 yrs
17 - 16 - 15 - 14 - 13 - 10 - 9 - 8 - 7 - 6 % | 0 - 75: Q / NQ
DB = AV
| 1 - 75: 7.00%
OK = 5.00% | AK, DE, FL, IL, MN, MO, MS, NJ, NV, NY, OH, OR, PA, SC, TX, UT, VT, WA |
|
American National
A/A+ | ANICO Equity Index Annuity
5/1/13 Declared Rate Trigger 2.5%
1% min guarantee | During the initial term, at the end of each year, if the index gain is either positive or zero, the specified interest will be credited to the contract annuity value for that year; if the index gain is negative, no interest will be credited. | 10,000 Q/NQ | 10% ater first year | 8%,8,7,6,4,2 | 0-85 | 0-79 = 4.75%
80-85 = 2.75% | MN, ND, OK, OR, WA |
| |
| American National A/A+ | ANICO Value-Lock Indexed Annuity
5/1/13
| 7 Year 50% Participation Rate
10 Year 100% Participation Rate
Uncapped Pt to Pt Strategy | Lock in gains once during term of the contract.
| $5,000 NQ $4,000 Q | After first year, 10% of Annuity Value | 12%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 0% | 0-80 | 0-75: 9.50% 76-80: 7.50% | MA, MN, ND, NJ,OR, VT |
|
American National
A/A+ | Strategy Index 10
5/1/13 | 100% Participation Rate
Annual Point-to-Point S&P 500 w/ Cap: 1.75% cap
Fixed Rate: 1.00% | | $4,000 Q
$5,000 NQ
min. guar. 1% | 10% of contract value or RMD after 1st year min. w/d: $250 | 9 - 9 - 8 - 7 - 6 - 5 - 4- 3 - 2 - 1 - 0 % | 0 - 85 | 0 - 75: 7.50%
76 - 80: 6.00%
81- 85: 4.50% | MA, MN, NY, OR, PA, UT, VT |
|
American National
A/A+ | Strategy Index 7
5/1/13 | 100% Participation Rate
Annnual Point-to-Point S&P 500 w/Cap: 1.75%
Fixed Rate: 1.00%
| | $4,000 Q
$5,000 NQ
Min guar. 1% | 10% of contract value or RMD after 1st year min. w/d: $250 | 7 - 7 - 6 - 5 - 4 - 3 - 2 - 0 % | 0 - 85 | 0 - 75: 4.50%
76 - 80: 3.50%
81- 85: 2.50% | MA, MN, NY, OR, PA, UT, VT |
|
Athene Annuity
B++ | Benefit 10
5/4/13 | Fixed Acct: 1.45% (Yrs 1-5)
S&P Ann. Pt to Pt Cap: 3.15%
S&P Mon. Pt to Pt Cap: 1.80%
Rates for MO, UT, PA
Fixed Acct: 1.15%
S&P Ann. Pt to Pt Cap: 2.65%
S&P Mon. Pt to Pt Cap: 1.55%
| Enhanced Benefit Rider 6.00% Vested Premium Bonus 8.00% Income Roll Up Rider Cost 1.40% with cost "True Up" every 5 years. 1. Lifetime Withdrawal (Single or Joint) with Early Income Bonus 2. ADL Triggered Withdrawal Benefits 3. Confinement Benefit 4. Terminal Illness Benefit 5. Enhanced Death Benefit | $10,000 | 10% Free Withdrawals after the First Year 5 X 5 Annuitization | 10 Year Walk A Way 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% | 30-80 | 0-75: 8.00% (6.00% First Year; 1.00% Renewal Years 2 & 3) 76-80: 5.50% (3.50% First Year; 1.00% Renewal Years 2 & 3) | AK, CA, HI, IL, IN, IA, MN, NY, OK, OR, WA |
|
Athene
B++ | Choice 10
5/4/13 | Fixed rate 1st Yr: 1.9%
Ann. Pt-to-Pt: 4.5%
Mon. Pt-to-Pt: 2.75%
Qrt. Pt-to-Pt: 2.35%
Mon. Avg.: 5.00% | Add. Premium 1st 12 Mon.
Credited at current rate
at time of payment | $5,000 Min.
$1 Mil. Max. | 10% per yr
after yr 1 | 10, 10, 9.5, 9, 8, 7, 6, 5, 4, 2
Less in Ca, TX, WA | 0-80 Q/NQ
0-58 NV | 0-75: 7%
76-80: 4%
CA, TX, WA,
0-75: 6%
76-80: 3%
call for trail options | CT, DE, MN, NJ, OK, OR, PA, UT |
|
Equitrust
B+
S&P: BBB+ | Market Twelve Bonus Index
SPDA
5/1/13
| 1 yr. Pt to Pt Cap: 3%
1 yr. Daily Avg Cap: 3%
1 yr. Monthly Avg Participation Rate: 20%
1 yr. Monthly Cap: 1.25%
2 yr. Monthly Avg Cap: 7%
Fixed Interest: 1%
| 12% Bonus
6% of Premium year 1
2% of AV years 2-4 | $30k Q/NQ
Min Guar =
87.5% of prem
@ 2.0%
| Interest only 1st yr;
10% of AV after yr 1 | 14 Years
(20,20,19,19,18,17,16,14,12,10,8,6,4,2,0%) | 0-75 | 0-75 8.50%
| AK, CT, DE,FL, MN, NY, OR, TX, UT, WA |
|
EquiTrust
B+
S&P: BBB+ | Market Booster Index Annuity
FPDA
5/1/13
| 1 Year Pt to Pt Cap: 3%
1 Year Daily Avg Cap: 3%
1 Year Monthly Avg Participation: 10%
1 Year Monthly Cap: 1%
Fixed Interest: 1%
| 7% Premium Bonus during first 5 years contains MVA | $10k NQ
$2k Q | 10% of prior anniversary account value after first year | 17.5 - 17.5 - 17.5 - 17.5 - 17.5 - 13 - 10 - 8 - 6 - 0 % | 0 - 80 | Year 1: 6.00%
Yrs 2-5: 3.00% (additional premium) | AK, CT, DE, FL, MN, NY, OR, TX, UT, WA |
|
EquiTrust
B+
S&P: BBB+ | Market Power Bonus Index
SPDA
5/1/13
| 1 Year Pt to Pt Cap: 3.25%
1 Year Daily Avg Cap: 3.5%
1 Year Monthly Avg Participation: 20%
1 Year Monthly Cap: 1.5%
2 Year Monthly Avg Cap 8%
Fixed Interest: 1.5%
| 10% Premium Bonus on premiums paid in first year | $20k
Q/NQ | 10% of Accumulation value after first policy year. | 20 - 20 - 19 - 19 - 18 - 17 - 16 - 14 - 12- 10 - 8 - 6 - 4 - 2 - 0 % | 0 - 75 | 8.50%
AK, IL, OH - 7.00%
| CT, DE, FL, MN, NY, OR, TX, UT, WA |
|
EquiTrust
B+
S&P: BBB+ | MarketTen Bonus Index
FPDA
5/1/13 | 1 Year Pt to Pt Cap: 3%
1 Year Daily Avg Cap: 3%
1 Year Monthly Avg Participation: 20%
1 Year Monthly Cap: 1.25%
2 Year Monthly Avg Cap: 7%
Fixed Interest: 1.15%
| 6% premium bonus on premiums paid during first 5yrs | $10k
Q/NQ | 10% of Accumulation value after first policy year. | 10 - 10 - 10 - 10 - 10 - 9 - 8 - 7 - 6 - 4 - 0% | 0 - 80 | Yrs 1: 6.00%
Yrs 2-5: 3.00% (additional premium) | CT, DE, MN, NY, NV, OR, TX, UT, WA |
|
Fidelity & Guarantee Life
AM Best B++ | Prosperity Elite 10
Enhancement & Protection Packages
5/1/13 | Annual Pt to Pt. 3%
Monthly Pt to Pt. 1.75%
2 Year Annual Pt to Pt. 8.5%
3 Year Annual Pt to Pt. 12.5%
Monthly Average 3.5%
Index Gain Option 2.75%
Fixed Interest 1.5% | Flexible Premium
Enhanced Package
5% Vested Bonus
Guaranteed Minimum Death Benefit
Protection Package
8% Vested Bonus
Enhanced Guaranteed Minimum Death Benefit
Enhanced Guaranteed Minimum Withdrawal Benefit Rider | $10,000 | 10% of account value beginning in the second contract year. | 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 0 | 0-85 NQ
18-85 Q | 0-79 = 6.50%
80-85 = 3.25%
MA,NV,OK,TX,UT
0-79 = 5.50%
80-85 = 2.75% | AK,CT,MD,MN,MS,NH,NY,OR,PA,WA |
|
Fidelity & Guaranty Life
B++ AM Best | FG Index-Choice 10
5/1/2013 | Monthly Pt to Pt: 1.6%
1 Year Annual Pt. to Pt.: 3%
2 yr Annual Pt to Pt: 6.25%
3 yr Annual Pt to Pt: 10%
Monthly Average: 3.25%
Index Declared Gain: 2.25%
Fixed. 1.5% | 3% Premium Bonus on premiums received in yr1 | 10k Q/NQ | 10% per yer beginning in year 2 | 14, 13, 12, 11, 10, 8, 6, 4, 2, 1, 0% | 0-85 NQ 18-85 NQ DB = AV | 0-79= 8.00%
80-85= 4.00%
CT, MA, TX, WA
0-79= 6.25%
80-85= 3.125% | NY, OK, OR, UT, VT |
|
Fidelity & Guaranty Life
B++ AM Best | FG Accumulator Plus 10
5/1/13 | 1 yr S&P Monthly Pt-to-Pt: 2.1%
S&P Monthly Average: 4.5%
S&P Annual Pt.-to-Pt.: 4.25%
Index Gain Option: 3.5%
Fixed Account: 2.25%
| | MIN: $10k
MAX: $1mill
MGSV: 87.5% of prem. plus interest between 1-3%
| 10% of prior anniversary account value after first year | 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 0% | 0-85: NQ
18-85: Q | (Years 1-3)
0-75: 6.00%
76-85: 3.00%
AK, MA, NV, OK, UT, TX
0-75: 5.00%
76-85= 2.50%
| AR,AZ,CT,ID,KS,MD,MI,MN,MO,MS,MT,NC,NH,NY, OR, VT,WA,WI |
|
Forethought
A-/not rated | Income 125
5/1/13 | 100% Participation
Ann. Reset
Mthly Pt-to-Pt Cap: 1%, 1.25%, 1.5%
Ann Pt-to-Pt Cap: 3%, 3%, 3%
Fixed Account: 1.25% | Bands Low: $25k - $99,999 High: $100k - $249,999 Ultra: $250k+
25% Income Bonus
Death benefit rider 1.1% | $25k Q/NQ | 10% after yr 1 | 12 - 12 - 11 - 10 - 9 - 8 - 7 - 6 - 4 - 2 - 0% | 0-85
DB=AV | 0-75: 6.50%
76-85: 4.5%
(Rates 1.00% less in AK, CT, DE, MN, OR, SC, TX, UT) | AK, NV, NY, OR, WA |
|
Forethought
A-/not rated | Bonus Advantage
5/1/13
| Fixed Acct: 1.00%
Ann. Pt to Pt Cap: 2.75%
Monthly Pt to Pt Cap: 1%
Monthly Average Cap: 2.75% | 5% Premium Bonus
5% Income Benefit = 0.95% | $25,000 | 10% After First Year | 10%, 10%, 9%, 9%, 8%, 7%, 6%, 5%, 4%, 2%, 0% | 55-80 | 0-75 = 6.50%
76-80 = 4.50% | CT, NY |
|
Forethought
A-/not rated | Index Bonus 115
5/1/13
| Mthly Pt-to-pt Cap: 1.00%, 1.25%, 1.5%
Annual Pt to Pt: 3%, 3.25%, 3.5%
Fixed Account: 1.25% | Bands Low: $25k-$99,999
High: $100,000-$249,999
Ultra: $250,000 plus
15% Income Bonus
GLIB Plus rider charge 0.95%
Death benefit rider 1.25% | $25,000 Q/NQ | 10% after yr 1 | 12 - 12 - 11 - 10 - 9 - 8 - 7 - 6 - 4 - 2 - 0% | 0-85
DB=AV
min guar = 3% of 87.5% of premium | 0 - 75: 7.50%
76 - 85: 5.00%
(Rates 1.00% less in AK, CT, DE, MN, OR, SC, TX, UT) | AK, DE, MO, NY, OR, UT, WA |
|
Great American Life
A/A+ | American Valor 10
5/1/13 | Ann. Pt-to-Pt Cap: 3%
Monthly Avg. w/ Cap: 3%
Fixed Acct: 1% | 2% premium bonus in the first 3 contract years.
Minimum Guarantee 100% @ 1%
IncomeSecure and IncomeSustainer Plus Available
New Inheritance Enhancer Death Benefit Rider
| $10,000 | 10% of accumulation value in first year. | 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0 | 18-85 | 0-75 = 5.00%
76-80 = 3.65%
81-85 = 1.65% | DE, NY |
|
Great American Life
A/A+ | Safe Outlook
5/1/13 | Annual Point to Point w/ Cap: 3.75%
Bailout Cap: 3.25%
Monthly Average w/ Cap: 4%
Bailout Cap: 3.5%
Fixed Interest: 1%
| Deposits under $100,000 decrease caps by .25%
Minimum Guarantee: 90% at 1% IncomeSecure and IncomeSustainer Plus Available | $10,000
Flexible Premium Additional Deposits: $2,000 Q $5,000 NQ | Free 10% withdrawal in year 1 | 9%, 8%, 7%, 6%, 5%, 4%, 0 | 0-85 | Option A
18-75 3.50%
76-80 2.60%
81-85 1.70%
Call for Trail Options | DE, NY |
|
Great American Life
A/A+ | American Legend II
5/1/13 | Annual Point-to-Point w/Cap: 4%
Monthly Average w/Cap: 4%
Monthly Sum w/Cap: 1.75%
Fixed Account: 1% | Guaranteed Minimum Interest Rate 100% @ 1%
IncomeSecure and IncomeSustainer Plus Available | $10,000 Add'l pay'ts
$2,000 Q
$5,000 NQ | 10% of Accumulation Value in 1st yr. | Age 0- 57:
12%, 11%, 10%, 9%, 8%, 7%, 6%
Age 58- 85:
9%, 8%, 7%, 6%, 5%, 4%, 3% | 0-85: Q
0-85: NQ | 0-75 = 4.75%
76-80 = 3.25%
Yr 81-85 = 2.25% | NY |
|
Great American Life
A/A+ | Safe Return
5/1/13 | Annual Point to Point w/Cap: 3.75%
Bailout Cap: 3.25%
Monthly Average w/ Cap: 4%
Bailout Cap: 3.5%
Fixed Interest: 1% | Guaranteed Return of Premium included
Minimum guarantee 100% @ 1%
IncomeSecure and IncomeSustainer Plus Available
New Inheritance Enhancer Death Benefit Rider
| $25,000 Q/NQ
Additional purchase payments accepted in first two months of contract. | 10% penalty free beginning first contract year. | 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% | 0-85 NQ
18-85 Q | 18-75 5.50%
76-80 4.50%
81-85 1.50% | DE, NY |
|
ING Annuity & Life
A/AA- | Secure Index 7 FIA
5/1/13 | $15k Band
Fixed Rate: 1.1%
Benchmark Strategy: 4%
Pt-to-Pt Cap: 2.75%
Monthly Cap: 1.15%
Perf. Trigger: 2.55% | $75k Band
Fixed Rate: 1.1%
Pt-to-Pt Cap: 4%
Benchmark Strategy: 5.5%
Monthly Cap: 1.55%
Perf. Trigger: 3%
| $15k
Q / NQ
min. add'l prem. $50 Min. Guar 1% on 100% of prem. | Interest after 30 days 10% 0f accumulated value after 1st yr. | 12 - 11 - 10 - 10 - 9 - 8 - 7 - 0 % | 0 - 80
DB = AV | 0-80: 4.5%
Call for trail options
| AL, NY, OR |
|
ING Annuity & Life
A/AA- | Secure Index Opportunities Plus SPDA
5/1/13 | 5% Premium Bonus
$15k Band
Fixed Rate: 1%
Pt-to-Pt Cap: 2%
Benchmark Strategy: 2.25%
Monthly Cap: .85%
Perf. Trigger: 1.5%
| 5% Premium bonus
$75k Band
Fixed Rate: 1%
Pt-to-Pt Cap 3%
Benchmark Strategy: 4%
Monthly Cap: 1.25%
Perf. Trigger: 2.5% | $15k
Q / NQ | Interest after 30 days 10% 0f accumulated value after 1st yr. | 10 - 10 - 10 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 0 % | 0-80
DB = AV | 0-80: 6.3%
MN, OR, WA
5.4%
Call for trail options
| AL, AK, CT, DE, NJ, NY, |
|
ING Annuity & Life
A/AA- | Secure Index 5 FIA
5/1/13 | $15k Band
Fixed Rate: 1%
(1% w/ROP)
Pt-to-Pt Cap 2%
(1.5% w/ROP)
monthly Cap: .75%
(0.65% w/ROP)
Benchmark Strategy: 2%
(1.25% wROP)
Perf. Trigger: 1.5%
(1% w/ROP)
| $75k Band
Fixed Rate: 1%
(1% w/ROP)
Pt-to-Pt Cap 2.75%
(2.25% w/ROP)
monthly Cap:1.15%
(1.05% w/ROP)
Benchmark Strategy: 3.5%
(2.75% w/ROP)
Perf. Trigger: 2.25%
(1.75% w/ROP) | $15k (min 75k in MN, NJ, WA)
Q / NQ
min.add'l prem $50 | Interest after 30 days 10& of accumulated value after 1st yr. | 8.0 - 7.5 - 6.5 - 5.5 - 4.5 - 0 % | 0 - 80
DB = AV | 0-80: 3.15%
Call for trail options
| AL, NY, OR |
|
ING Annuity & Life
A/AA- | Envoy 9
5/1/13 | $15,000 band
pt to pt cap 2.5%
fixed rate 1.25% | $75,000 band
pt to pt cap 3.5.%
fixed rate 1.25% | $15k
Q/NQ
| 10% of AV after 1st year | 9-9-9-9-8-7-6-5-4-0 | 0-80
DB=AV | 0-80: 5.4%
Call for trail options | AL, MA, MS, NV, NY, NJ, OR |
|
Lincoln Financial
A+/AA | OptiPoint 10
FPDA
5/8/13 | Fixed interest: 1.00%
Performance Triggered: 1.7%
2Yr Pt-to-pt Cap: 5%
2Yr Monthly Cap: 2.05% | Premium Bonus:
<$100k: 3.00%(Yrs 1-4)
>$100k: 4.00%(Yrs 1-4) | $2,000 Q
$5,000 NQ | 10% free withdrawal each policy year | 10,9,8,7,6,5,4,3,2,1,0% | 0-80 | 0-74: 6.00%
76-79: 4.00%
80: 1.75% | AK, MN, NY, |
|
Lincoln Financial
A+/AA | Lincoln New Directions 6
5/8/13
| Fixed Interest:
<$100k: 1.1%
>$100k: 1.25%
Performance Triggered:
<$100k: 1.85%
>$100k: 2.15%
2-Yr Pt-to-Pt Cap:
<$100k: 5%
>$100k: 5.25% | Fixed rate guaranteed for 6yrs
Min Guar 100% @ 1.75% | $10k
Q/NQ | 10% free w/drawal beginning in 1st yr | 9 - 8 - 7 - 6 - 4.75 - 3.5 - 0 % | 0-85
Q/NQ
DB=AV | 0-75: 3.5%
76-80: 2.75%
81-85: 1.75% | MN, NY, OR |
|
Lincoln Financial
A+/AA | Lincoln New Directions 8
5/8/13
| Fixed Interest:
<$100k: 1.15%
>$100k: 1.3%
Performance Triggered:
<$100k: 2%
>$100k: 2.25%
2-yr Pt-to-Pt:
<$100k: 5%
>$100k: 5.45% | Fixed rate guaranteed for 8yrs | $10k
Q/NQ | 10% free w/drawal beginning in 1st yr | 9 - 8 - 7 - 6 - 4.75 - 3.5 - 2 - 0.75 - 0 % | 0-85 Q/NQ
DB=AV | 0-75: 4.5%
76-80: 3.5%
81-85: 2.25% | MN, NY, OR |
|
Lincoln Financial
A+/AA | OptiChoice 9
5/8/13
| Fixed
<$100k: 1.10%
=>$100k: 1.10%
Performance Triggered
<100k: 1.85%
=>$100k: 1.85% | 1 year Monthly Cap
<$100k: 1.25%
=>$100k: 1.25%
1 year Monthly Avg. Spread
<$100k: 6.25%
=>$100k: 6.25% | $2k Q
$5k NQ | Up to 10% free w/d per policy year | 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1% | 0-80
DB=AV | 0-75: 7.0%
76-80: 5.25% | NY |
|
Lincoln Financial
A+/AA | OptiPoint 8
FPDA
5/8/13
| Fixed: 1.00%
Performance Triggered: 1.7%
2-Year Pt-to-Pt: 5%
2-year Monthly Cap: 2.05% | Bonus on all premium received in the first 3 policy years.
<$100K: 2%
=>$100K: 3%
| $2k Q
$5k NQ | 10% free w/drawals | 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 % | 0-85 DB=AV | 0-74: 5.00%
75-79: 3.25%
80-84: 1.50%
85: 0.65% | MN, NY, OR, UT |
|
Lincoln Financial
A+/AA | OptiChoice 5
5/8/13
| Fixed
<$100K: 1%
>$100K: 1%
Performance Triggered
<100K: 1.7%
>$100K: 1.7% | 1 year Monthly Cap
<$100K: 1.15%
>$100K: 1.15%
1 year Monthly Avg. Spread
<$100K: 6.65%
>$100K: 6.65%
| $2k Q
$5k NQ | Up to 10% free w/d per policy year | 9 - 8 - 7 - 6 - 5 % | 0-85
DB=AV | 0-75: 5.0%
76-80: 3.75%
81-85: 2.50% | NY |
|
North American Company for Life and Health
A+ | North American Freedom Choice 14 Year
5/1/13 | Premiums Higher Than $250k
S&P APTP: 6.45%
DJIA APTP: 6.5%
S&P Midcap 400 APTP: 6.2%
Russell 2000 APTP: 5.9%
NASDAQ-100 APTP: 6%
EUROSTOXX 50 APTP: 7.75%
S&P 500 MPTP: 3%
NASDAQ-100 MPTP:2.8%
Fixed: 3.05%
Premiums less than $250k
S&P APTP: 5.55%
DJIA APTP: 5.5%
S&P Midcap 400 APTP: 5.3%
Russell 2000 APTP: 5.1%
Nasdaq 100 APTP: 5.2%
Euro Stoxx 50 APTP: 6.65
S&P 500 MPTP: 2.7%
Nasdaq 100 MPTP: 2.55%
Fixed Interest: 2.7%
| 8 & 10 Year Terms also Available,
Call for Details | $10,000 NQ/ $2,000 Q | 5% AV after first year
10% option avail. w/lower caps
| 14 yrs
9%, 9%, 9%, 9%, 8%, 8%, 7%, 7%, 6%, 6%, 5%, 4%, 3%, 2%, 0% | 0-75 | 0-75: 5.50% | AK, AL, CT, DE, MN, MT, NV, OR, PA, UT, VT, VA, WA |
|
| North American Company for Life and Health A+ | NAC RetireChoice 14
5/1/13
| 14 Year Version
Monthly Average Participation rate only
S&P 500: 40%
DJIA: 45%
S&P Midcap 400: 30%
Annual Pt to Pt Caps
S&P 500: 3.1%
DJIA: 3%
S&P Midcap 400: 2.85%
Nasdaq 100: 2.85%
Afternoon London Gold Market Fixing Price: 3.25%
Biennial Pt tp Pt cap S&P 500: 6.6%
Monthly Pt to Pt Caps
S&P 500: 1.75%
Nasdaq 100: 1.7%
Inverse Performance Trigger
S&P 500: 2.8%
Fixed Account Rate: 1.6%
| 14 Year = 5.00% Premium Bonus For 0.60% on 14 year, double premium bonus, 10% free withdrawals after first year and increase free withdrawals to 20% if no withdrawals taken, 5% additional payout benefit after surrender charges over, return of premium after 3rd year less bonus) | $20,000 NQ/Q | 10% Withdrawals beginning in 3rd Year | 10 Year: 10%, 10%, 9%, 9%, 8%, 8%, 7%, 6%, 4%, 2%, 0% 14 Year: 10%, 10%, 10%, 10%, 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% | 0-75 (may vary by state) | 10 Year 0-75 = 6.50% 14 Year 0-75 = 7.50% | AK, CA, CT, DE, IL, MD, MN, MO, NV, OH, OK, OR, SC, UT, VT, WA |
|
North American Company for Life and Health
A+ | NA Performance Choice 12
5/1/13
| Annual Pt to Pt Caps
S&P 500: 4.65%
DJIA: 4.6%
S&P Midcap 400: 4.45%
Russell 2000: 4.3%
NASDAQ-100: 4.4%
EUROSTOXX 50: 5.45%
Hang Seng : 5.15%
Monthly Pt to Pt Caps
S&P 500: 2.4%
NASDAQ 100: 2.3%
Inverse Performance Trigger S&P 500 : 4.10%
Fixed: 2.35%
| 12 Year Bonus Version Available 8 Year Bonus and Non-bonus Version Available
Call for Details | $10,000 NQ / $2,000Q | 10% After First Year | 12 yrs
10%, 10%, 10%, 10%, 10%, 9%, 8%, 7%, 6%, 5%, 4%, 2%, 0% | 0-75 | 0-75: 6.50%
76-79: 4.88%
80-85: 3.25% | AK, AL, CT, DE, MA, MN, MO, NV, OH, OR, UT, VA, WA |
|
Phoenix
AM Best: B+ S&P: BB- | Personal Protection Choice
5/1/13
| Monthly S&P 500: 1.%
1-yr S&P 500: 1.5%
2-yr S&P 500: 4.5%
1-yr DJIA: 1%
1-yr Euro Stoxx 50: 1%
1-yr Balanced Allocation: 1%
Fixed Account: 0.85%
Caps may be reduced in some states
| GMWB Rider:
Income Strategy:
Today Bonus % will be:
30% - if guaranteed withdrawals begin in Yr 1
37.5% - withdrawals begin in Yr 2
45% - withdrawals begin Yr 3
Annual fee 1.15%
Income Strategy:
Tomorrow 14% Simple annual increase first 10yrs
Care Protection (LTC) - 250% of income benefit
Family Protection (Death Benefit) - 5% or 10% roll-up
Annual fee: 1.15% | $15,000 Single premium | 10% free withdrawal annually
DB=AV | 12,12,12,11,10,9,8,7,6,5,4,0% | 0-85 | 0-75: 7.0%
76-80: 4.75%
81-85: 2.75% | AK, DE, HI, ME, NC, NH, NY, OR, TX, VA, WA, WY |
|
Phoenix
AM Best: B+
S&P: BB- | Index Select Gold Bonus
SPDA
5/1/13
&nb | 7% Premium Bonus
Monthly S&P: 1%
1yr Pt-to-pt: S&P: 1.75%
2yr Pt-to-pt: S&P: 4.5%
1yr Pt-to-pt: DJIA: 1.25%
1yr Pt-to-pt: Euro Stoxx 50: 1.25%
1yr Balanced Allocation (S&P 500, DJIA, EURO Stoxx 50): 1.25% Fixed Account: 1% | Lower Bonuses and Caps in some States. Call for details Guar Min Withdrawal Ben:
-Income bonus 25%
-Income Plus 8% for 8 yrs
-Fee: 0.95% | $15k Q/NQ
Min Guar =
87.5% @ 1-3% | 10% of acct value beginning yr 1 | 10yrs: 12-12-12-11-10-9-8-7-6-4-0%
Vested bonus: 0-0-0-0-0-10-20-30-40-50-100% | 0-85
DB=AV | 0-75: 7.25%
76-80: 5.00%
81-85: 2.50% | For use in:
AL,AR,AZ,CA,CO,DC,GA,HI,ID,IL,KS,LA,MA,MI,MT,NE,NM,ND,RI,SC,SD,TN,VT,WV,WI,WY |
|
Phoenix
AM Best: B+
S&P: BB- | Income Elite Annuity
5/1/13
| Monthly S&P: .90%
Annual Pt to Pt: 1.25%
2 Year Pt to Pt: 3.5%
Fixed Account: .75%
(1% in MN, MO, NC) | GMWB is based on your Personal Income Number and is based on issue age and age upon rider exercise Grows for 10 years or until you exercise rider | Single Premium
$15k Minimum
$1 million Max unless approved by Phoenix | 5% of AV starting in yr 2 | 10 years Call for State variations | 50-75 Call for DB variations by state | 6% in most states
5% AK, MN, MO, NJ, NC, OR, VA,and WA
5.5% in FL | AK, CA, DE, HI, IL, MA, MD, ME, MS, NJ, NY, OH, OK, OR, VA, WA, WY |
|
Phoenix
AM Best: B+
S&P: BB- | Personal Income Annuity
5/1/13
| Monthly S&P 500: 1%
1-yr S&P 500: 1.5%
2-yr S&P 500: 4.5%
1-yr DJIA: 1%
1-yr Euro Stoxx 50: 1%
1-yr Balanced Allocation: 1%
Fixed Account: 0.85%
Caps may be Reduced in some states
| GMWB Rider: Income Strategy: Today
Bonus % will be:
30% - if guaranteed withdrawals begin in Yr 1
37.5% - withdrawals begin in Yr 2
45% - withdrawals begin Yr 3 3% - withdrawals begin Yr 4+
Annual fee 0.95%
Income Strategy: Tomorrow
14% Simple annual increase first 10yrs, 3% Thereafter
Annual fee: 0.95% | $15,000
Single premium | 10% free withdrawal annually
DB=AV | 10,9,8,7,6,5,4,3,2,1,0% | 0-85 | 0-75: 7.00%
76-80: 4.75%
81-85: 2.75% | DE,ME,NY,OR |
|
Reliance Standard Life
A/A | Keystone - 7
4/01/2013 | Annual Pt to Pt Cap: 3.75%
Annual Pt to Pt Monthly:4.25% Fixed account 1.85% | | $10K Q/NQ
$5K / strategy
min.guarantee 100% of premium @ 1% less w/drawals & surrender charges. | 10% of AV after 1st year | 9, 8, 7, 6, 5, 4, 3, 0 | annuitant: 0 - 85
owner: any age
DB = AV
If owner and annuitant are the same | 0-80 = 5.00%
81-85 = 3.00% | AL,MN,MT,NY,OR |
|
Reliance Standard Life
A/A | Keystone - 10
4/01/2013 | Annual Pt to Pt Cap: 4.00% Monthly Average Cap: 4.50% Fixed Rate: 1.90% | | $10K
$5K / strategy
Greaterof 100% of premium accumulated @ 1.00% less w/drawals & surrender charges | 10% of AV | 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 | annuitant: 0 - 85
owner: any age
DB = AV
If owner and annuitant are the same | 0-80 6.00%
81-85 4.60% | AL, MN, MT, NY, OR |
|
Reliance Standard Life
A/A | Keystone - 5
4/01/2013 | Annual Pt to Pt Cap: 3.50% Monthly Average Cap: 4.00% Fixed Rate: 1.80% | | $10K
Q/NQ
$5K Minimum per Strategy
Minimum Guarantee: 100% of premium accumulated at 1.0% less w/drawals and surrender charges or 87.5% of premium accumulated at 3% less w/drawals and surrender charges, whichever is greater | 10% w/drawal beginning in year one. Systematic w/drawals available on Fixed account strategy. Lump Sum on Index Strategies | 5 year : 9, 8, 7, 6, 5, 0 %
Waived for 90 consecutive days in Hospital/Nursing Home after 1st year up to 25% each year 100% waived after 1st year for Terminal Illness | annuitant: 0 - 85
owner: any age
DB = AV
If owner and annuitant are the same | 0-80: 4.00%
81-85: 2.40% | AL,MN,MT, NY, OR |
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