| |
| MYGA |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
Approved |
| Allianz A/AA | NY Dominator
8/3/10 | 5 year 3%
10 year 3.4% | | $35,000 Q/NQ
Min Guar =
90% of premium @3% | 5% per yr up to 25% | 7- 6- 5- 4- 3- 2- 1% | 0-80
DB=AV | 3% 5 yr
3% 10 yr | New York |
|
American National
A/AA- | Palladium
MYG
9/1/10 | Term Eff. Yield
5 yr 2.25%
6 yr 2.75%
7 yr 2.49%
10 yr 2.80% | Initial contributions over $100,000 receive an additional 10 basis points for the life of the contract. | $5k Q/NQ
2% min. dep. | 10% after 1st year | (10) 8-8-8-7-6-5-4-3-2-1% | 0-85 | 3 yr
0-79 1.5%
80-85 .5%
5 yr
0-79 4%
80-85 2%
7 yr
0-79 2.50%
80-85 .50%
10 yr
0-79 4%
80-85 2% | NY |
|
ING
A/AA- | Classic Choice
9/1/10 | 5-Yr 3.00%
6-Yr 3.00%
8-Yr 3.00% | Guaranteed Interest Rate 3.00% MYG DB (annuitant) = accumulation value may annuitize after guarantee period | Single $5,000 | Interest only after 30 Days | Matches Term 7- 6- 5- 4- 3- 2- 1- +- MVA | 0-80 | 1.90% | New York |
|
Lincoln Financial
A+/AA | Classic 5
09/1/10 | <$100k : 3.00% 1st yr
2.00% yrs 2-5
>$100k : 4.00% 1st yr
2.00% yrs 2-5 | | $10,000 Q/NQ | Up to 10% free w/d per policy year | 7- 6- 5- 4- 3- 0% | 0-85
DB=AV | 0-75 3.50%
76-80 2.35%
81-85 1.25% | New York |
|
Lincoln Financial
A+/AA | Classic 7
09/1/10 | <$100k : 4.10% 1st yr
2.10% yrs 2-7
>$100k : 5.10% 1st yr
2.10% yrs 2-7 | | $10,000 Q/NQ | Up to 10% free w/d per policy year | 7- 6- 5- 4- 3- 2- 1- 0% | 0-85
DB=AV | 0-75 4.50%
76-80 3.10%
81-85 1.50% | New York |
|
Old Mutual Financial
A- | OMNY Guarantee Plus 7
7/1/10 | 4.5% 1st yr
3.5% yr 2-7 | DB = accumulation value may annuitize after 30 days for min of 5 yr certain | $5,000 NQ $2,000 Q | Penalty free at interest w/d 4 times per year | 7- 6- 5- 4- 3- 2- 1% | 18-85 | 1.25% | New York |
|
Old Mutual Financial
A- | OMNY Guarantee Plus 5
7/1/10 | 4.25% 1st yr
3.25% yr 2-5 | DB = accumulation value may annuitize after 30 days for min of 5 yr certain | $5,000 NQ $2,000 Q | Penalty free at interest w/d 4 times per year | 5- 4- 3- 2- 1% | 18-85 | 1.25% | New York |
|
Presidential Life
B+/BB+ | Secure 4
9/1/2010 | 2.25% years 1-4
min 2.0%
| | $5,000 Q/NQ | 10% after 1st year | 7- 6- 6- 5% | 0-90
DB=AV | 0-80 2.00%
81-85 1.00%
86-90 0.67% | approve in all states except CA, IL, NJ, NV |
|
Presidential Life
B+/BB+ | Secure 6
9/1/10 | 2.30% years 1-6
Min.2.0% | | $5,000 Q/NQ | 10% after 1st year | 7- 7- 7- 6- 5- 4% | 0-90
DB=AV | 0-80 3.00%
81-85 1.50%
86-90 0.67% | approved in all states except CA, IL, NJ, NV |
|
SunLife
A+/AA | Keyport Value 5 Steprate
7/14/10 | < $50,000
yr 1 = 2.5%
yr 2-5 = 1.5%
eff. yld. = 1.7%
> $50,000
yr 1 = 2.65%
yr 2-5 = 1.65%
eff. yld = 1.85%
| | $3k Q/ $5k NQ | 10% after 1st year | 7-6-5-4-3 | 0-90 | 0-80 4%
81-90 1.25% | Approved in all states except AL, OR ,VT |
|
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| FIXED ANNUITIES |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
Approved |
Allianz
A/AA | Power 5
8/3/10 | 3.25% Base Rate
5% Bonus
8.25% 1st yr rate | | $35k Q/NQ
MinGaur= 90% prem @ 3% | 5% per year, max 25% | 7,6,5,4,3,2,1%, | 0-80
DB=AV | 4% | New York |
|
American National Insurance
A/AA-
| WQ Citadel 7 Diamond
9/1/10 | 1st Year Rate 4.0%
Base Rate 2.0% | Initial contribution over $100,000 receive an additional 10 basis points for the life of the contract. | 5k NQ
2k Q | 10% free withdrawals of beginning of contract year annuity value | 7,7,7,6,5,4,2,0 | 0-85 | 0-80 4.5% 81-85 3.5% | NY |
|
American National Life
A/AA-
| WQ Citadel 5 Diamond
9/1/10
| 1st Year Rate
3.%
Base Rate
2.% | Initial contributions over $100,000 recieve an additional 10 basis points for the life of the contract. | 5k Q/NQ |
Starting in year 1, 10% of the annuity value at beginning of each contract year
| 7,7,7,6,5,0 | 0-85 | 0-80 4%
81-85 3% | NY |
|
ING
A/AA- | Classic Flex
9/1/2010 | 1-yr - 3%
3- yr- 3%
5-yr - 3% | Guaranteed Interest Rate 3%
May annuitize after 1 yr for min of 5 yrs | $2k or $50/month | Interest Only after 30 Days | 7 Yrs
9- 8- 7- 6- 5- 4- 2% | 0-80
DB = AV | New premium:
Yr 1 3%
yrs. 2-5 2% | New York |
|
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| FIXED INDEXED ANNUITIES |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
Approved |
Allianz
A/AA | Bonus Masterdex
8/3/10 | 100% part rate
2% Pt-to-Pt cap
1.35% guar ann. index
2.25% interest | 3% prem bonus for 1st 5 yrs
S&P 500,
NASDAQ 100
Interest Allocation | $25,000 Q/NQ
Min Guar 100% @1-3% | 10% prem per yr
100% max | 10 yr
10% 1st 5 yrs
decreases monthly after yr 5 | 0-85 Q/NQ
Min Guar = 10%% @ 1-3% | 0-75= 4.5%
76-85 = 2.5% | New York |
|
Allianz
A/AA | Master Dex
8/3/10 | 100% Part.
2.2% p-to-p cap
guar ann. index 1%
2.55% Fixed acct | S&P 500,
NASDAQ 100
Interest Allocation | $25,000 Q/NQ
Min Guar= 100% @1-3% | 10% of prem per yr, max 100% | 7 yr starting @10%
decreases monthly | 0-85 | 0-75 = 4%
76-85 =2% | New York |
|
Old Mutual Financial
| OMNY Index Spectrum 7
7/1/10 | 1 yr S&P monthly pt-to-pt= 1.5%
S&P monthly ave= 5.%
S&P annual pt-to-pt=4.0%
fixed =3.% | minimum interest between 1%-3% on 100% of premium, set at issue and fixed for life of contract | $10,000 $2,000 per option | 10% free w/draw after yr 1 surrender waived on: nursing home, death, terminal illness | 10, 10, 10, 10, 8, 6, 3 | 0-85 | 4.50% | New York |
|
Old Mutual Financial
A- | OMNY Index Spectrum 10
7/1/10 | 1 yr S&P monthly pt-to-pt= 1.50%
S&P monthly ave=5.00%
S&P annual pt-to-pt=4.0%
fixed = 3.00% | 2% Premium Bonus minimum interest between 1%-3% on 100% of premium, set at issue and fixed for life of contract | $10,000 $2,000 per option | 10% free w/draw after yr 1 surrender waived on: nursing home, death, terminal illness | 10, 10, 10, 10, 10, 8, 6, 4, 2% | 0-85 | 5.00% | New York |
|
US Life
A/A+ | AG Global 8 FIA NY
FPDA
7/28/10 | Account Options:
-Global Mult. Index Acct w/ cap = 3.5%
-Ann. Pt-to-pt w/ part = 30%
-Monthly pt-to-pt w/ cap = 1.8%
-fixed interest =2% | 4 Accounts:
-S&P 500 Index
-Global Mult index
-Dow Jones Euro Stoxx 50 Index
-Nikkei 225 Index | NQ = $5k
Q = $2k | 10% free W/draw per yr Min W/draw value = 100%@3% annually Extended Care Rider Min W/draw value = 100%@3% annually | 8Yr
8,7,6,5,4,3,2,1 | 0-80 | age 0-75 = 7%
76-80 = 4.75% | Approved in all states except VT |
|
US Life
A/A+ | AG Global 6 FIA NY
FPDA
7/28/10 | Account Options:
-Global Mult. Index Acct w/ cap = 3.5%
-Ann. Pt-to-pt w/ part = 30%
-Monthly pt-to-pt w/ cap =1.8%
-fixed interest = 2% | 4 Accounts:
-S&P 500 Index
-Global Mult index
-Dow Jones Euro Stoxx 50 Index
-Nikkei 225 Index | NQ = $5k
Q = $2k | 10% free W/draw per yr Min W/draw value = 100%@3% annually Extended Care Rider Min W/draw value = 100%@3% annually | 6 Yr
8,7,6,5,4,3 | 0-85 | age 0-75 = 5%
76-80 = 4.5%
81-85 = 4.25% | NY |
|
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