Annuity Rates
MYGA |
| Company |
Product |
Current
Rates |
Additional
Information |
Minimum
Premium |
Withdrawals |
Surrender
Charge |
Issue
Ages |
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 <
br />
5 & 7 yr
= W/C Varies in TX <
br />
10 yr not ava
il 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 |
MYGA |
| Company |
Product |
Current
Rates |
Additional
Information |
Minimum
Premium |
Withdrawals |
Surrender
Charge |
Issue
Ages |
Commissions |
NOT
Approved |
|
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 Ca
lifornia & Delaw
are |
|
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 |
MYGA |
| Company |
Product |
Current
Rates |
Additional
Information |
Minimum
Premium |
Withdrawals |
Surrender
Charge |
Issue
Ages |
Commissions |
NOT
Approved |
|
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 |
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