| |
| MYGA |
Company
AMBest/S&P |
Product |
Current
Rates |
Additional
Information |
Min. Prem.
Min. Guar. |
Withdrawals |
Surrender
Charge |
Issue Age
Death Ben. |
Commissions |
NOT
Approved |
AGLA
/A+ | Freedom Choice
SPDA
8/5/10 | < $100K premium:
3yr=2%
5yr=2%
7yr=2.65%
10yr=2.8%
>$100k premium:
3 yr = 2%
5 yr = 2.3%
7 yr = 3.15%
10 yr = 3.3% | Premium Guarantee | $10k Q/NQ | -Interest after 30 days
-10% per yr | 8,8,7,6,5,4,3,2,0
30 day window at end of guar term | 18-85 NQ
18-70 Q
DB=SV | 3yr .
.71%(0-85)
5Yr
2.14%(0-80)
1.43%(81-85)
7yr
2.5%(0-80)
1.79%(81-85)
10 yr
3.75%(0-75)
3.21%(76-80)
1.79%(81-85) | AL, AK, CT, ID, ME,
MA, MN, MT, NH, ND,
MJ, NY, OR, WY, PA,
RI, SD, TX, UT, VT, WA, WI |
|
Allianz
A/AA | Dominator Plus SPDA
9/7/10 | 5yr
$25k- $99,999: 2.05%
$100K+: 2.15%
10yr
$25k-$99,999: 3.05%
$100k+: 3.15% | | $25k Q/NQ
Min Guar =
90% premium @3% | 10% of prem. per yr, starting yr 1 | 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:
AL, NY, OR
|
|
Allianz
A/AA | Dominator Select
SPDA
9/7/10 | 1yr:
$25k-$99k - 1.5%
$100k+ - 1.6%
2yr:
$25k-$99k - 1.55%
$100k+ - 1.65%
3yr:
$25k-$99k - 1.55%
$100k+ - 1.65% | | $25K Q/NQ
Min Guar =
90% prem @ 3% | 10% of prem. per yr, starting yr 1 | 6 - 5 - 4 - 0 %
30 day free w/draw @ end of each guar. period | 0-85
DB = AV | Ages 0-85
1yr:.25%
2 yr: .5%
3 yr: 1.25% | AL, CA, CT, DE, MA, MT, NY, NV, NJ, OK, OR, PA, WA
Call for state variations |
|
American General
A/A+ | AG Horizon Select
SPDA
8/23/2010 | 5 yr: 2.1%
7 yr: 2.4%
10 yr: 2.7% | | $5k
NQ/Q | 10% on 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 | 0-80: 4%
81-85: 3% | AL, AK, MN, NJ, NY, OR, PA, UT, WA
5 & 7 yr = W/C Varies in TX
10 yr not avail in TX |
|
American National
A/AA- | Palladium
MYG
9/1/10 | Term Eff. Yield
5 yr 2.25%
6 yr 2.75%
7 yr 2.49%
8 yr 3.0%
9 yr 2.62%
10 yr 2.80% | * Deposits over $100,000 receive an additional 10 basis points for the life of the contract. | $5k
Q/NQ
2% min. guar.
| 10% after 1st year | (10) 8 - 8 - 8 - 7- 6 - 5 - 4 - 3 - 2 - 1 %
* surrender varies per selection | 0-85
| 3 yr.
0-79: 1.5%
80-85: .5%
5 yr:
0-79: 4%
80+: 2%
7 yr:
0-79: 2.50%
80+: .50%
10 yr:
0-79:4%
81+: 2% | NY, UT |
|
EquiTrust
B+/A | Certainty Select
09/1/10 | 5-year:
Yrs. 1-5: 2.00%
6-Year:
Yr. 1: 2.10%
Yrs. 2-6: 2.10%
8-year:
Yr. 1: 3.55%
Yrs. 2-8: 3.55%
10-year:
Yrs. 1-10: 3.75% | | $30k | 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 |
|
Great American Life Insurance
A M Best = A
| American Freedom Stars & Stripes
8/21/10 | <$100,000
First Year Rate 2.55%
Base Rate 2.30%
Eff. Yield 2.55%
>$100,000
First Year Rate 2.65%
Base Rate 2.40%
Eff. Yield 2.65% | 5 Year
Escalating interest rates
guaranteed for initial term. | $10,000 | First Year = Interest Earned
Years 2-5 = 10% per year | 7,6,5,4,3% | 18-89 | 18-84 3%
85-89 1.8% | NY, OR, VA, IN, NJ, PA |
|
ING Annuity & Life
A/AA- | Guarantee Choice
9/1/2010 | $15,000 Band
7 yr:
yrs. 1.75%
10 yr:
yrs. 2.75% | $75,000 Band
7 yr:
1st yr.: 2.75%
yrs 2-7 1.75%
10 yr:
1st yr.: 3.75%, yrs 2-10:2.75% | $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:
3 yr: 1%
5 yr: 2.00%
7 yr: 2.50%
10 yr: 3.25%
Option2:
5 yr: 1.25%
7 yr: 1.50%
10 yr: 2.00%
+ 25bp trail yr 2+ | NY |
|
Lincoln Benefit Life
A+/AA2 | Tactician Plus FPDA 5 & 6 Year
8/30/2010 | 5 yr:
1 yr: 1.20%*
(yrs. 2 - 5): 1.20 %
eff. rate: 1.20 %
(< $ 100k: 1.50%)
6 yr:
1 yr: 1.50%
(yrs.2 - 6): 1.50 %
eff. rate: 1.50 %
(<$100k: 1.0 %) | *Includes 1st year bonus for premium $100,000+ | $3k Q
$5k NQ
| 10% penalty free w/d starting in year 1 | 5 - 6 year*
8 - 8 - 8 - 7 - 6 - ( 5 ) %
*30 day window at end of guarantee to w/drawal money | 0-90
DB = Contract Value | 5 yr:
0 - 75: 4%
76 - 85: 3%
86 - 90: 2%
6 yr:
0 - 75: 2%
76 - 85: 1.5%
86 - 90: 1% | AL, NY |
|
Lincoln Financial
A+/AA | Classic 5 year
09/1/10 | Premium < $100k:
Yr 1: 3.00%
Yr 2 - 5: 2.00% | Premium > than $100k:
Yr 1: 4.00%
Yr 2 - 5: 2.00% | $10k
Q/NQ | 10% free w/drawals | 9 - 8 - 7 - 6 - 5 - 0 % | 0 - 85
DB=AV | 0 - 75: 4.0 %
76 - 80: 2.75 %
81 - 85: 1.50 % | MN |
|
Lincoln Financial
A+/AA | Classic 7 year
09/1/10 | Premium < $100k:
Yr 1: 4.10%
Yr 2 - 7: 2.10% | Premium > $100k:
Yr 1: 5.10%
Yrs 2 - 7: 2.10% | $10k
Q/NQ | 10% free w/drawals | 9 - 8 - 7 - 6 - 5 - 4 - 3 - 0 % | 0 - 85
DB=AV | 0 - 75: 5.0%
76 - 80: 3.5%
81 - 85: 1.75% | MN |
|
Old Mutual Financial Net
A-/not rated | OM Guarantee Platinum
9/1/10 SPDA | 3 yr = 2.20%
5 yr = 3.10%
7 yr = 3.20%
|
CT, NC, OK only:
5 yr: 3.1% | $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:
1-79: 1.5%
80-90: .75%
5 yr:
1- 79: 2.5%
80 - 90: 1.25%
7 yr:
0 - 79: 3.25%
80 - 90: 1.6%
| AL, MN, NY, OR, WA |
|
Presidential Life
B+/BB+ | Secure 4 SPDA
9/1/2010 | yrs 1-4: 2.25%
Min. rate: 2.0% | | $5k
Q/NQ | 10% after 1st year | 7 - 6 - 6 - 5 % | 0 - 90
DB=AV | 0 - 80: 2.00%
81 - 85: 1.00%
86 - 90: .67% | CA,IL,NJ,NV |
|
Presidential Life
B+/BB+ | Secure 6 SPDA
9/1/2010 | yrs 1-6: 2.30%
Min. rate: 2% | | $5k
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: .67% | CA,IL,NJ,NV |
|
Presidential Life
B+/BB+ | Secure 5 SPDA
9/1/2010 | Yr 1-5 2.40%
Min . 2.0% | | $5.000 Q/NQ | 10.0% after 1st year | 7-7-6-6-4 -0 thereafter | 0-90
AV=DB
| 0-80 2.5%
81-85. 1.25%
86-90 .67% | CA,IL.NJ.,NV |
|
Reliance Standard Life
A/A | Elektra 579 SPDA
9/30/10 | 5yr:
1st yr.: 1st yr.: 0.00%
yrs 2-5: 0.00% | Min.rate 3.00% | $10k
Q/NQ | Systematic w/drawal of interest or 10% annual w/drawal beginning in the first year. | 7 - 7 - 6 - 5 - 4 - 0 % | 0 - 85
DB =AV
if owner & annuitant are same | 0 - 75: 3.0 %
76 - 80: 2.4 %
81 - 85: 1.8 % | AL, MD, MT, ND, NY, OK, OR, SC, TX, UT, VT, WA |
|
SunLife
A+/AA | Keyport Value 5 MVA
7/14/10 | < $50k prem
Yr. 1 = 2.5%
Yrs 2-5 = 1.5%
eff. yld. = 1.7%
>$50k prem
Yr. 1 = 2.65%
Yrs 2-5 = 1.65%
eff. yld. = 1.85%
| First year rates include
1% bonus.
| 3k Q
5k NQ | 10% after 1st year | 7 - 6 - 5 - 4 - 3 % | 0 - 90
DB = AV | 0 - 80: 4%
81 - 90: 1.25% | AL, OR, VT
|
|
Lincoln Financial
A+/AA | MYGuarantee Plus
SPDA
09/1/10 | < $100k :
3 yr: 1.00%
4 yr: 1.40%
5 yr: 2.15%
6 yr: 2.30%
7 yr: 2.50%
8 yr: 2.55%
9 yr: 2.60%
10yr: 2.65% | > $100k :
3 yr: 1.15%
4 yr: 1.55%
5 yr: 2.30%
6 yr: 2.45%
7 yr: 2.65%
8 yr: 2.70%
9 yr: 2.75%
10yr: 2.80% | $10,000 | 10% annual free withdrawal | 7-7-6-5-4-3-2-0 %
Surrender charge is for the guar. term.
| 0-85
DB=AV | 0-75: 76-80: 81-85:
3yr & 4yr:
1%; .65%; .5%
5yr:
2%, 1.3%, .75%;
6yr:
2.25%, 1.5%, .75%;
7-10yr:
2.5%, 1.6%, 1% | CA, IL, MN, MO, NV, NY, OR |
|
Phoenix
BBB+
| Select Plus Fixed
SPDF
08/4/10
| 4yrs: 1.50%
5yrs: 2.00%
7yrs: 3.00%
10yrs: 3.50% | | $2,000 Q
$5,000 NQ | 10% annual free withdrawal | 9-8-7-6-5-4-3-2-0% | 0-90 | 3yr: 0-80: 1.25%, 81-90: .75%
4yr: 0-80: 1.75%, 81-90: 1.00%
5yr: 0-80: 3.50%, 81-90: 2.00%
7yr: 0-80: 3.50%, 81-90: 2.00%
10yr: 0-80: 3.50%, 81-90: 2.00% | CA, MN, NJ, PA, PR |
|
The Standard
A/AA- | Focused Growth Annuity
SPDA
8/16/10 | 5 Yr:
<$100k=2.45%
>=$100k=2.55%
6 Yr:
<$100k=3.0%
>=$100k=3.1% | | $15k Q/NQ | systematic interest after 30 days | 8,7,6,5,4,(3)
+/- MVA | 0-90
DB = AV | 5 yr:
0-80=3%
81-85=1.5%
86-90=1.35%
6 yr:
0-80=2%
81-85=1%
86-90=.77% | AL, NJ, NY, PA, |
|
| 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 |
AGLA
/A+ | Freedom Classic
SPDA
8/5/10 | 6% yr 1
2% yr 2-5 | | $2k Q/NQ | -systematic w/drawal after 30 days
-10% per yr begining yr 2 | 9 yrs
8,8,7,6,5,4,3,2,0
+/- MVA | 18-85 NQ
18-85 Q(existing)
18-70 Q(New IRA's) | NQ
5% (NQ 0-75)
2.5%(NQ76-80)
1.07%(NQ81-85)
Q
5%(0-70)
1.79%(71-75)
.71%(76-80)
.14%(81-85) | AK, CT, ID, ME, MA,
MN, MT, NH, ND, NJ,
NY, OR, PA, RI, SD,
TX, UT, VT, WA, WI, WY |
|
American General
A/A+ | Horizon MYG
8/23/2010 | 1st yr rate: 6%
2-6 yrs: 2% | 1st year bonus: 4% | $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: 7.5%
76 - 80: 5%
81- 85: 3%
MA,PA,OR,WA:
0-75: 5.5%
76-80: 3%
81-85: 1% | AL, AK, MN, NJ, NY, UT
Non MVA approved in:
MA,PA,OR,WA |
|
American General
A/A+ | HorizonPlus 2004
8/23/2010 | 1st yr rate: 8%
2-6 yrs: 2% | 1st year bonus: 6% | $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: 6%
76 - 80: 3.2%
81 - 85: 1.35% | AL, MN, NJ, NY, OR, PA, UT, WA |
|
American National
A/AA- | Citadel 5 Diamond
SPDA
9/1/10 | First Year: 3.%
Base rate: 2.% | -Deposits over $100,000 recieve additional
10 basis points for the life of the contract.
-2% Min. Guar
-principal guarantee feature included | Min:
$5k
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: 4%
81 - 85: 3%
based on age of annuitant | NY |
|
American National
A/AA- | Citadel 7 Diamond
FPDA (1st 3 yrs)
9/1/10 | First Year: 4.%
Base Rate: 2.% | - Deposits over $100,000
recieve an additional
10 basis points for
the life of the contract
- 2% Min Guar
- principal guarantee feature included | Min.:
$5k NQ
$2k 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: 4.5%
81 - 85: 3.5%
based on age of annuitant | NY |
|
EquiTrust
B+/A | Choice Four
09/1/10 | 1st yr rate:
6 yr: 2.15%*
9 yr: 2.75%*
*includes 0.0% 1st yr bonus if MVA rider added | Min 3% on 100% of premium | $30k | 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
8/21/10 | First Year: 3.35%
Base Rate: 2.60%
Guar min: 1.5%
Eff. Yield: 4.38% | 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: 6.5%
71 - 80: 5.25%
81 - 89: 5.% | AK, MA, NH, NJ,
NY, ND, PA, UT, WA |
|
Integrity Life Insurance
A+/AA+ | New Momentum FPDA
8/31//10 | Average Annual Rate
QIO 4.25%
2yr 1.87%
3yr 1.75%
5yr 1.65%
6yr 1.62%
7yr 1.90%
10yr 2.17% | QIO = Qtrly Interest Option. Guarantees a fixed rate of interest, declared qtrly. | $2,000 Q $5,000 NQ | 10% annually immediatley | 8%,7,6,5,4,3,2,0 | 0-85 | QIO
0-79 2%
80-85 0%
GRO 2-10
0-79 5%
80-85 3% | WA |
|
Integrity Life Insurance
A+/AA+ | SPDA Series II
8/31/10 | Average Annual Rate
GRO
1yr 3.15%
3yr 2.43%
5yr 2.65%
7yr 2.55% | 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 5%
80-85 3%
5 & 7 yr period
0-79 4%
80-85 2% | ME, NH, VT |
|
Integrity Life Insurance
A+/AA+ | Momentum Advantage SPDA
8/31/10 | (GRO) Average Annual Rate
4 1.68%
5 1.65%
7 2.35%
10 2.72% | 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 .50%
5 yr
0-79 2.50%
80-86 .50%
7 yr
0-79 3.0%
80-85 1.00%
10 yr
0-79 3.50%
80-85 1.50% | AK,ME,NH,SC,UT,VT,WA |
|
Lincoln Benefit Life
A+r/AA2 | Allstate Treasury Linked Annuity FPDA
8/30/2010 | premium < $100k
1.05%
premium >= $100k
1.05%
Part.rate 50% | 5 yr rate guarantee possible rate increase based performance of 5 yr US T-rate. Min.guarantee rate is 1.05% | $5k NQ
$3k Q | 10% per year no surrender charge apon death, unemployment*, nursing home*
*state specific | 9 - 8 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 %
45 day window after guarantee period with no surrender | 0 - 90
DB = AV | 0 - 80: 3%
81 - 85: 2.4%
86 - 90: 1.5% | AL, MA, NY, OR, WA |
|
Lincoln Benefit Life
A+r/AA2 | Sure Horizon II FPDA
8/30/2010 | 1st yr Base
>=$100k premium
1 yr: *2.30% 1.30%
3 yr: *2.30% 1.30%
6 yr: *2.30% 1 .30%
<$100k premium
1 yr: *2.05% 1.05%
3 yr: *2.05% 1.05%
6 yr: *2.05% 1.05% | *Includes an additional .5% bonus interest if puchase payment guarantee is not selected Minimum Guarantee 3% | $10k NQ
$3k Q
or $100 monthly bank draft | 15% of Contract Value penalty free each year | 8 - 8 - 7 - 6 - 5 - 4 - 0 % | 0 - 90
DB = Contract Value | First Year Premium
Option A:
0 - 75: 4.75%
76 - 85: 3.56%
86 - 90: 2.375%
Option B:
0 - 75: 2.25%*
76 - 85: 1.688%*
86 - 90: 1.125%*
*+.25% Trail | NY |
|
Reliance Standard Life
A/A | Apollo MVA
9/1/10 | 7 year:
First Year: 3.20%
Base Rate: 2.70%
min.rate 2.00% | 4% annuitization bonus after year 5 if annuitized for 10+ years | $5k
Q/NQ
Guar. Min: 2% April 1-June 30, 2010 | 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 %
+/- MVA | 0 - 85 | 0 - 75: 6%
76 - 80: 4.8%
81 - 85: 3.6%
Commissions reduced 1% for NQ annuities written in ME, SD, WV, WY | AL,MD, MN, MT, NY, OR, TX, UT, VT, WA |
|
Reliance Standard Life
A/A | Argus 2000 MVA
9/1/10 | 10 year:
First Year: 0%
Years 2-3: 0%
min.rate 0% | SPDA | $10k
Q/NQ
Base rate guaranteed years 1-3, thereafter guar. rate is 3% | Systematic w/drawal of interest or 10% annual w/drawal beginning in the first year. | 10 - 11 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 2 %
+/- MVA | 0 - 85 | 0 - 75: 7.5%
76 - 80: 6%
81 - 85: 4.5% | AL, MD, MT, ND, NY, OR, SC, TX, UT, VT, WA |
|
Reliance Standard Life
A/A | Eleos MVA SPDA
9/1/2010 | 5 year:
First Year: 3.40%
Base Rate: 2.90% | SPDA | $10k
Q/NQ
Guar. Min: 2% | Systematic w/drawal of interest or 10% annual w/drawal beginning in the first year. | 8 - 7 - 6 - 5 - 4 %
+/- MVA | 0 - 85 | 0 - 75: 4%
76 - 80: 3.2%
81 - 85: 2.4% | AL,MD, MN, MT, NY, ND, OR, TX, UT, VT, WA |
|
SunLife
A+/AA | Focus Five Plus FPDA
2/1/10 | < $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%
| First year rate includes 1% bonus rate. | 3k Q 5k NQ | 10% after 1st yr. | 7-6-5-4-3% | 0-90 DB=AV | 0-80: 4% 81-90: 1.25% | NY,OR VT,AK |
|
| 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
flex prem yr 1 | Endurance Elite
9/8/10 | 10% EWB bonus
Allocation Options=
-Monthly Sum: S&P500, Nasdeq100, DJEurostoxx50
-Ann. pt-to-pt: S&P500, Nsdeq100, DJEurostoxx50, blendedindex
-Monthly aver: blended
-Fixed interest = 2.3% | 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 w/draw after yr 1 | 5 yrs:
8,7,6,5,4,0 | 0-80
DB = AV in Lump Sum
EWB over 5 yrs | Option A:
0-75= 5%
76-80= 3.5%
Option B:
0-75= 2.25%
76-80= 1.5%
trail .33%yr2-5; 1%yr6+ | AL,NY,OR,WA
Call for State variations |
|
Allianz
A/AA | MasterDex 5 Plus
9/8/10
FPDA (1st 5 yrs) | 5% Prem. Bonus 1st 5 yrs
(3% bonus in AL, CT, DE, IA, IN, KY, MS, CT, MN, NJ, PA, UT, WA)
Allocation Options:
Blended
FTSE 100
S&P 500
NASDAQ-100
Fixed interest = 2% | Crediting ann. reset:
Monthly sum
Ann. Pt-to-Pt
Monthly avg.
100% Part rate
call for caps/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 | A:
0 - 75: 7%
76 - 80: 5%
B:
0 - 75: 5%
(.5 yrs 2+)
C:
0 - 75: 2.25%
(1% yrs 2+)
*call for state variations, older ages and additional premium | AL, NY, OR
*call for state variations |
|
Allianz
A/AA | Masterdex X
9/8/10
FPDA (1st 3 yrs) | 8% Prem Bonus 1st 3 yrs
(vested 10% per yr for 10 yrs)
Allocation Options:
Blended Index
Euro Stoxx 50
S&P 500
NASDAQ-100
Fixed interest: 2% | Simple Income II rider available
Crediting ann. reset:
Monthly sum
Monthly avg.
Ann. Pt-to-Pt
100% part.
Call for caps/spread | $20k Q/NQ
Min guar =
87.5% of prem @ 2.5%
| 10% of 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 | Option A:
1st yr premium:
0-75: 7%
76-80: 5%
Option B:
yr 1 premium
0-75: 5%+.5trail
76-80: 3.5%+ .5 trail
Option C:
yr 1 premium:
0-76: 2.25% +1%trail
76-80: 2% + .75 trail
| AL,CT, NY, PA, OR, WA
*call for state variations |
|
Allianz
A/AA | Endurance Plus
FPDA (1st 3 yrs)
9/8/10 | 20% Premium Bonus in 1st 3 yrs to (EWB)
Allocation Options:
Mon. Pt-to-Pt (S&P 500, NASDAQ-100,FTSE 100)
Ann. Pt-to-Pt (S&P 500, NASDAQ 100, FTSE 100, blended)
Mon. Avg. (blended)
fixed rate: 2.3%
part rate 100% (105% EWB) | 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: 8%
76-80: 5%
Option B:
0-75: 5.5%
76-80: 2.5%
trail yr 2-10: .33%
trail yr 11+: 1%
Option C
0-75: 2%
76-80 1%
Trail yrs 2+: 1% | AL, NY, OR, WA
Call for state variations
|
|
Allianz
A/AA | MasterDex 10 Plus
9/8/10
FPDA (1st 5 yrs) | 10% Prem Bonus 1ST 5 yrs
Allocation Options:
Blended
FTSE 100
S&P 500
NASDAQ-100
Fixed interest = 3% | Crediting annual reset:
Monthly sum
Annual Pt-to-Pt
Monthly avg.
100% Part rate
call for caps/spread | $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: 8%
76 - 80: 5%
Option B:
0 - 75: 6%
(.5% trail)
76-80: 3.5%
(.25% trail)
Option C:
0 - 75: 3.75%
(1% trail)
76-80: 2.5%
(.5% trail) | Not approved: AL,CA, CT, NY, OR, PA, UT, WA
Masterdex 10 approved: CA, CT, PA
*call for state variations |
|
Allianz
A/AA | MasterDex Plus
9/8/10
FPDA (1st 3 yrs) | Allocation Options:
Blended Index
FTSE 100
S&P 500
NASDAQ-100
Fixed interest: 2% | Income Plus Benefit Available
Crediting annual reset:
Monthly sum
Annual Pt-to-Pt
Monthly avg.
100% Part rate
-call for caps/spread
| $15k Q/NQ
Min Guar =
87.5% prem @ 1.5-3% | 10% of Prem per Yr starting 12 months after the last deposit | 7 yrs
10 - 9 - 8 - 7 - 6 - 5 - 4 - 0 %
| 0 - 80
DB = AV | yr 1 prem:
A:
0 - 75: 7%
76-80: 6%
B:
0 - 75: 5%
76-80: 4.5%
.5% trail yr 2+
C:
0 - 75: 3%
76-80: 2.5%
1% trail yr 2+
| AL,NY, OR
*call for state variations |
|
American General
A/A+ | Horizon Index
7/12/09
SPDA | 9 yr:
Fixed Int.: 2%
1 Yr. Monthly Pt-to-Pt: 2.2%
2 Yr. ann. Pt-to-Pt: 9%
12 yr:
Fixed Int.: 2.1%
1 Yr. Monthly Pt-to-Pt: 2.2%
2 Yr. ann. Pt-to-Pt.: 9% | Premium Bonus
9 yr: 4%
12 yr: 5%
| $5k Q / NQ
| 10% of AV per yr | 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: 6%
12 yr::
0 - 75: 8%
Call for MN, PA, OR | AL, AK, CT*, MN, NJ, NY, OK, OR, UT, VT, WA
*Only 9 yr is available in CT
Non MVA approved in:
MN, PA, OR |
|
American General
A/A+ | Vision Advantage
(7, 9 yr) SPDA.
8/27/2010
| 5 yr:
Suspended
7 yr:
Fixed Int.: 2%
100% part ann. Pt-to-Pt w/cap: 4.25%
80% part ann. Pt-to-Pt w/cap: 4.75%
Adj. part. rate, no cap: 30%
Month avg. w/ index spread: 8%
9 yr:
fixed Int.: 2.3%
100% part. ann. Pt-to-Pt w/cap: 5.25%
80% part ann. Pt-to-Pt w/cap: 5.75%
Adj. part. rate, no cap: 30%
Month avg. w/ index spread: 8% | | $15k
Q / NQ
GMWV: 90% of premium @ rate never less than 2% | 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 | 5 yr:
0 - 75: 5%
76 - 85: 4%
7 yr:
0 - 75: 6%
76 - 85: 5%
9 yr:
0 - 75: 6%
76 - 80: 5% | AK, AL, CT, DE, MN, NJ, NY, OR, PA, UT, VT, WA
*12 yr not available in TX
call for TX and state variations |
|
American General
A/A+ | Vision Maximizer SPDA
8/27/2010
SPDA | S&P 500 Index
monthly avg. 8% spread
ann. Pt-to-Pt 3.5% cap
ann. Pt-to-Pt 30% part. Rate
fixed account 2% | 5% Premium Bonus
extended care rider included | $20k
Q / NQ
guar of 3% on 90% of premium | 10% of accumul value | 10 yrs
17 - 16 - 15 - 14 - 13 - 10 - 9 - 8 - 7 - 6 % | 0 - 75: Q / NQ
DB = AV
| 1 - 75: 8%
OK = 6% | AL, AK, DE, IL, MN, MS, NJ, NY, OR, PA, TX, UT, VT, WA |
|
American National
A/AA- | ANICO Equity Index Annuity
9/1/10 | 3.0% w/o ROP
| 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. | 10k Q/NQ | 10% ater first year | 8%,8,7,6,4,2 | 0-85 | 0-79 = 5%
80-85 = 3% | MN,ND,OK,OR,WA |
|
American National
A/AA- | Strategy Index 10
9/1/10 | 100% Participation Rate
Ann. Reset Pt-to-Pt (S&P) w/ 4.% cap
Fixed Rate: 2.00%
Index Crediting: 1.0% | | $4k Q
$5k NQ
min. guar. 1.75% | 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: 8%
76 - 80: 6.5%
81- 85: 5% | MA, MN, NY,
OR, PA, UT, VT |
|
American National
A/AA- | Strategy Index 7
9/1/10 | 100% Participation Rate
Ann. Reset Pt-to-Pt (S&P) w/ 4.2% cap
Fixed Rate: 2.0%
Index Crediting: 1.00% | | $4k Q
$5k NQ Min guar. 1.75% | 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: 5%
76 - 80: 4%
81- 85: 3% | MA, MN, NY, OR, PA, UT, VT |
|
Equitrust
B+/A | Market Twelve Bonus Index
SPDA
09/1/10 | 1-Yr Pt-to-Pt Cap: 5.00%
1-Yr Daily Avg Cap: 5.50%
1-Yr Monthly Avg Part: 40%
1-Yr Monthly Cap: 1.85%
1-Yr Interest: 2.00%
2-Yr Monthly Ave Cap: 14.00% | 12% Total
6% of premiums yr 1;
2% of AV yrs 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%) | 0-80 | 9.00%
| AK, CT, DE, MN, NY, OR, TX, UT, WA |
|
EquiTrust
B+/A | Market Booster Index Annuity
FPDA
09/1/10 | 100% Participation Rate
Annual Reset
1-yr. Interest Account 2.15%
1-yr. Pt-to-Pt (S&P) 5.00% cap
1-yr. Daily Avg. 5.50% cap
1-yr. Monthly Avg. 40% part.
1-yr. Monthly Cap. 1.85% | 7% Premium Bonus during first 5 years contains MVA | $30k
Q/NQ | 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, MN, NY, OR, TX, UT, WA |
|
EquiTrust
B+/A | Market Power Bonus Index
SPDA
09/1/10 | 100% Participation Rate
Ann. Reset
1-yr Interest Account 2.25%
1-yr. Pt-to-Pt (S&P) 5.00% cap
1-yr. Daily Avg. 6.00% cap
1-yr. Monthly Avg. Part. 40%
1-yr. Monthly Cap 2.20%
2-yr. Monthly Ave Cap: 16.00% | 10% Premium Bonus on premiums paid in first year | $30k
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 - 80 | 8.50%
AK / IL 7.00%
| CT, DE, FL, MN, NY, OR, TX, UT, WA |
|
EquiTrust
B+/A | Market Seven Index Annuity
FPDA
09/1/10 | 100% Participation Rate
Annual Reset
1-yr. Interest Account: 2.25%
1-yr. Pt-to-Pt Cap (S&P): 4.50%
1-yr. Daily Avg Cap: 5.00%
1-yr. Monthly Avg Part: 40%
1-yr. Monthly Cap: 2.00% | | $30k
Q/NQ | 10% of Accumulation value after first policy year. | 12 - 12 - 12 - 10 - 8 - 6 - 4 - 0 % | 0 - 80 | Yrs 1: 5.50%
Yrs 2-3: 2.75% (additional premium) | NY, OR, TX |
|
Forethought
A-/not rated | Income 125
08/5/10 | 100% Participation
Ann. Reset
Mthly Pt-to-Pt Cap: 2.10% 2.35% 2.60%
Fixed Account: 2.00% | Bands Low: $25k - $99,999 High: $100k - $249,999 Ultra: $250k plus
25% Income Bonus
Death benefit rider 0.60% | $25k Q/NQ | 10% after yr 1 | 12 - 12 - 11 - 10 - 9 - 8 - 7 - 6 - 4 - 2 - 0% | 0-85
DB=AV | 0-75: 7.50%
76-85: 5.00%
(Rates 1.00% less in AK, CT, DE, MN, OR, SC, UT) | AK, NV, NY, OR, WA |
|
Forethought
A-/not rated | Destination Index Annuity 6 yr
08/5/10 | 100% Participation
3 Yr Pt-to-Pt w/ Cap:
13.0% 13.5% 14.0%
3 Yr Mthly Pt-to-Pt w/ Cap:
2.20% 2.40% 2.50%
Fixed Account:
2.50% | Bands
Low: $25k - $99,999
High: $100k - $249,999
Ultra: $250k plus | $25k
Q/NQ | 10% after yr 1 | 6 - 6 - 5 - 5 - 4 - 3 - 0 % | 0 - 78
DB = AV
min guar = 3% of 90% of premium | 0 - 75: 3.50%
76 - 78: 2.25% | IL, MA, NH, NY, OR, VT |
|
Forethought
A-/not rated | Destination Index Annuity 9 yr
08/5/10 | 100% Participation
3 Yr Pt-to-Pt w/ Cap:
13.0% 13.5% 14.0%
3 Yr Mthly Pt-to-Pt w/ Cap:
2.20% 2.40% 2.50%
Fixed Account:
2.50% | Bands
Low: ($25k - $99,999)
High: ($100k - $249,999)
Ultra: ($250k plus) | $25k
Q / NQ | 10% after yr 1 | 9 - 8 - 7- 6 - 5 - 4 - 3 - 2 - 1 - 0 % | 0 -78
DB=AV
min guar = 3% of 90% of premium | 0 - 75: 5.50%
76 - 78: 3.50% | IL, MA, NH, NY, OR, VT |
|
Forethought
A-/not rated | Destination Index Annuity 3 yr
08/5/10 | 3 Yr Pt-to-Pt w/Cap:
12.5% 13.0% 13.5%
3 Yr Mthly Pt-to-Pt w/Cap:
2.10% 2.30% 2.40%
Fixed Account:
2.50% | Bands
Low: ($25k - $99,999)
High: ($100k - $249,999)
Ultra: ($250k plus) | $25k
Q/NQ | 10% after yr 1 | 6 - 6 - 5 - 0 % | 0 - 78
DB = AV
min guar = 3% of 90% of premium | 0-75: 1.0%
76-78: 0.25% | IL, MA, NH, NY, OR, VT |
|
Great American Life
A/A | American Legend II
8/21/10 | Ann. Pt-to-Pt Part 100%
Cap: 6.%
Mon. Avg. Part 100%
Cap: 6.5%
Monthly Sum: 2.5% (no.cap)
Fixed Acc't: 2% | 100% participation rate GMSV 100% at 3% OR has different rates | $10k Add'l pay'ts
$2k Q
$5k 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 5.5%
76-80 5.1%
Yr 81-85: 3.5% | AR, MS, NY |
|
Great American Life
A/A | American Valor II
8/21//10 | Ann. Pt-to-Pt cap: 5.25%
Participation rate: 100%
fixed account: 2.0% | 5% bonus ages 0-57
4% bonus ages 58-69
3% bonus ages 70-85 | $10k | 10% of Accumulation Value after 1st yr. | Age 0- 57:
12 - 11 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 %
Age 58- 85:
10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 % | 18-85: Q
0-85: NQ | 0-75= 6.%
76-80= 4.5%
81-85= 2.5% | CT, NY |
|
Great American Life
A/ A | American Icon II
8/21/10 | Ann. Pt-to-Pt Part 100%
Cap: 5.25%
Mo. Avg. Part.:100%
Fixed Acc't: 2.3% | 100% participation rate 1.5%: premium bonus in the 1st contract year GMSV 100% at 3.0% OR has different rates | $10k
Add'l 1st yr only | Interest after 30 days 10% after 1st yr | year 18- 57:
12 - 11 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 0 %
year 58- 85:
10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 % | 18-85: Q
0-85: NQ | 18 - 75: 5.%
76 - 80: 4.%
81 - 85: 1.5% | DE, ND, NY |
|
Great American Life
A/A | Safe Return
8/21/10 | Ann. Pt-to-Pt Cap:
5.5%
Mo. Ave w/ Cap:
6.25%
Fixed Acct:
2% | Return of Premium built into rate Bailout Cap = .50% less than rates. | $25,000
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 6.5%
76-80 5.5%
81-85 2.5% | DE, NJ, NY, VA |
|
ING Annuity & Life
A/AA- | Secure Index 7 FIA
9/1/10 | $15k Band
Fixed Rate: 1.80%
Pt-to-Pt Cap: 4.00%
Monthly Cap: 1.85% | $75k Band
Fixed Rate: 1.80%
Pt-to-Pt Cap: 5.00%
Monthly Cap: 2.30% | $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 | option A:
0-80: 5%
option B:
0-80: 4.5%
+.10 % trail
option C:
0-80: 3.75%
+.25% trail
option D:
0-80: 1.25%
+ .75% trail | AL, NY, OR |
|
ING Annuity & Life
A/AA- | Secure Index Opportunities Plus SPDA
9/1/10 | 5% Premium Bonus
$15k Band Fixed Rate: 1.50%
Pt-to-Pt Cap: 4.00%
Monthly Cap: 1.60% | 5% Premium bonus
$75k Band
Fixed Rate: 1.50%
Pt-to-Pt Cap 5.00 %
Monthly Cap: 2.00% | $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 | option A:
0-80: 7%
option B:
0-80: 5.5%
*.25& trail
option C:
0-80: 3%
*.66% trail
option D:
0-80: 2.5%
*.75 trail | AL, AK, CT, DE, MN, NJ, NY, OR, WA |
|
ING Annuity & Life
A/AA- | Secure Index 5 FIA
9/1/10 | $15k Band
Fixed Rate
1.50% (1.50% w/ROP)
Pt-to-Pt Cap 3.00%
(2.50% w/ROP)
Monthly Cap: 1.25%
(1.15% w/ROP) | $75k Band
Fixed Rate: 1.50%
(1.50% w/ROP)
Pt-to-Pt Cap 4.00%
(3.50% w/ROP)
Monthly Cap: 1.85%
(1.75% w/ROP) | $15k
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 | option A:
0-80: 4%
option B:
0-80: 2.75%
*.25% trail
option C:
0-80: 1.5%
* .50% trail
option D:
0-80: 1.5%
*.50% trail | AL, NY, OR |
|
ING Annuity & Life
A/AA- | Envoy 6
9/1/2010 | $15,000 band
pt to pt cap 3.00%
fixed rate 1.50% | $75,000 band
pt to pt cap 4.25%
fixed rate 1.50% | $15k
Q/NQ | 10%of AV after 1st year | 9-9-9-9-8-7-6-6-6
| 0-80
DB=AV | option A,B,C,D
0-80 yr 1 1.5%
trail .75% | AL,MA,MS,NV,NY.NJ.OR |
|
ING Annuity & Life
A/AA- | Envoy 9
9/1/2010 | $15,000 band
pt to pt cap 4.00%
fixed rate 1.80% | $75,000 band
pt to pt cap 5.50%
fixed rate 1.80% | $15k
Q/NQ
| 10% of AV after 1st year | 9-9-9-9-8-7-6-5-4-0 | 0-80
DB=AV | option A 6.5%
option B 5.00% + .25% trail
option C 3.50% + .50% trail
option D 2.00% + .75% trail | AL, MA, MS, NV, NY, NJ, OR |
|
Lincoln Benefit Life
A+r/AA2 | Saver's Index Annuity Premier SPDA
8/30/2010 | Without Enhanced LIR
Cap <$100k $100k+
Pt-to-Pt: 4.25% 4.75%
LwWater: 4.05% 4.55%
Mnth Avg.: 3.50% 4.50%
Mnth Pt-to-Pt: 1.5% 1.6%
With Enhanced LIR
Cap <$100k $100k+
Pt-to-Pt: 5.25% 5.75%
LwWater: 5.05% 5.55%
Mnth Avg.: 4.50% 5.50%
Mnth Pt-to-Pt: 1.7% 1.80% | min cap on renewal:
1.5
1.5
1.5
1.0 | $10k
Q/NQ
1 min guar = 100% at 1.5% | 10% after 1st yr no surrender charge apon death, nursing home*, unemployment*
*state specific | 12 - 11 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 1 % | 0-85 | Option A:
0-75: 3.45%
76-85: 2.40%
Option B:
0-75: 1.95%
76-85: 1.355%
Annuitization trail: .25 | CT, IL, MN, NJ, NY, OR, PA, PR, TX, UT, WA |
|
Lincoln Benefit Life
A+/AA2 | Saver's Index Annuity Plus SPDA
8/30/2010 | Cap <$100k $100k+
Pt-to-Pt: 3.00% 3.50%
LwWater: 2.65% 3.15%
Month Avg.: 2.25% 3.25%
Month Pt-to-Pt: 1.20% 1.30% | Cost Of ROP:
1.25
1.25
1.75
.40 | $10k
Q/NQ
min Guar = 100% at 1.5% | 10% after 1st yr no surrender charge apon death, nursing home*, unemployment*
*state specific | 8 - 8 - 7 - 6 - 5 - 0 % | 0 - 85 | 0-75: 3.45%
76-85: 2.4% | AL, NY |
|
Lincoln Benefit Life
A+r/AA2 | Savers Index III
8/30/2010 | <$100k:
60% Part
3.50% Cap
100% Part
4.00% Cap
>$100k :
60% Part
3.25% Cap
100% Part
3.75% Cap | cost of ROP 1.25 | $10k NQ
$3k Q
Min Guar:
90% at 3%
or ROP = .75 | 10% of AV | 10 year: 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 - 0 % | 0-90: owner
0-85: annuitant
DB = AV | 1st yr premium:
Option A:
0-75: 3.45%
76-90: 2.40%
Call for B & trails | NY |
|
Lincoln Financial
A+/AA | Lincoln New Directions 6
09/1/10 | Fixed Interest:
<$100k: 2.10%
>$100k: 2.25%
Perf Triggered:
<$100k: 3.65%
>$100k: 3.90%
2-Yr Pt-to-Pt Cap:
<$100k: 8.45%
>$100k: 9.10% | 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
09/1/10 | Fixed Interest:
<$100k: 2.35%
>$100k: 2.50%
Perf Triggered:
<$100k: 4.05%
>$100k: 4.30%
2-yr Pt-to-Pt:
<$100k: 9.60%
>$100k: 10.25% | 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
09/1/10 | Fixed
<$100k: 1.90%
=>$100k: 2.05%
1 year Pt-to-Pt Cap
<100k: 3.40%
=>$100k: 3.70% | 1 year Monthly Cap
<$100k: 2.10%
=>$100k: 2.20%
1 year Monthly Avg. Spread
<$100k: 9.00%
=>$100k: 9.00% | $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 12
09/1/10 | Fixed: 2.10%
Performance Triggered: 3.65%
2-Year Pt-to-Pt: 8.45%
2-year Monthly Cap: 2.50% | Bonus on all premium received in the first 5 policy years.
<$100K: 4%
=>$100K: 5%
| $2k Q
$5k NQ | 10% free w/drawals | 12 - 11 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 - 2 - 1 % | 0-75
DB=AV | (NQ)
0-75: 8.0%
(Q)
0-75: 8.0% | AK, CT, DE, MN, NY, OR, UT, WA |
|
Lincoln Financial
A+/AA | OptiPoint 8
09/1/10 | Fixed: 2.10%
Performance Triggered: 3.65%
2-Year Pt-to-Pt: 8.45%
2-year Monthly Cap: 2.50% | 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 | 0-75: 6.00%
76-80: 4.00%
81-85: 2.00%
| MN, NY, OR, UT |
|
Lincoln Financial
A+/AA | OptiChoice 5
09/1/10 | Fixed
<$100K: 1.50%
=>$100K: 1.65%
1 year Pt-to-Pt Cap
<100K: 2.65%
=>$100K: 2.90% | 1 year Monthly Cap
<$100K: 1.75%
=>$100K: 1.90%
1 year Monthly Avg. Spread
<$100K: 9.00%
=>$100K: 9.00% | $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 |
|
Old Mutual Financial Net
A-/not rated | OM Index Escalator 6
9/1//10 | CAPS:
1 yr S&P Monthly Avg.: 3.25.%
1 yr S&P Annual Pt-to-Pt: 3.0.%
1 yr S&P monthly Pt-to-Pt: 1.0%
fixed account: 1.25.% | | $10k initial premium Q / NQ
($2k per option)
$2k additional prem
MGSV=87.5% prem @ 1% | 10% of prior anniversary account value after first year | 6 yrs: 9 - 9 - 8 - 7 - 6 - 5 - 0 %
(waived upon annuitization, death, nursing home, terminal illness, unemployment) | 0-85: NQ
18-85: Q | 0-79: 4%
80-85: 2%
Trail Option Available | AL, NY, OR, VT, WA |
|
Old Mutual Financial Net
A-/not rated | OM Index Safety 7
9/1/10 | Premium < $100k:
1 yr S&P mo. Pt-to-Pt: 1.0%
S&P mo. Avg: 3.25%
S&P Annual Pt.-to-Pt.: 3.0%
Fixed Account: 1.75%
Premium >= $100k
1 yr S&P mo. Pt-to-Pt: 1.25%
S&P mo. Avg.: 3.5%
S&P An. Pt to Pt: 3.25%
fixed account: 2.0% | Fixed interest rate guaranteed for 7 contract years.
Account value re-allocation on contract anniversary. | MIN: $15k
MAX: $1mill
MGSV: 100% of prem @ 2.5%
| 10% of prior anniversary account value after first year | 7 years: 10 - 10 - 10 - 9 - 8 - 7 - 6 %
CT: 9 - 9 - 8 - 7 - 6 - 5 - 4 %
(waived for Nursing Home, Terminal Illness, Unemployment, Death of Owner) | 0-85: NQ
18-85: Q | Option: 1
(Years 1-3)
0-79: 5.50%
80-85: 2.75%
Trail Options Available .9% | AL, NY, OR, VT |
|
Old Mutual Financial Net
A-/not rated | OM Index Safety 10
98/1/10 | Premium < $100k:
1 yr S&P mo. Pt-to-Pt: 1.0%
S&P mo. Avg.: 3.25%
S&P Annual Pt-to-Pt: 3.0%
Fixed Accnt: 1.75%
Preimium >= $100k
1 yr S&P mo. Pt-to-Pt: 1.25%
S&P mo. Avg.: 3.5%
annual pt-to-pt: 3.25%
fixed accnt: 2.0% | Fixed interest rate guaranteed for 7 contract years.
Account value re-allocation on contract anniversary. | MIN: $15k
MAX: $1mill:
MGSV=100% prem @ 2.5% | 10% of prior anniversay account value
(after first year) | 10 Years:
10 - 10 - 10 - 9 - 8 - 7 - 6 - 5 - 4 - 3 %
(waived for Nursing Home, Terminal Illness, Unemployment, Death of Owner) | 0-85: NQ
18-85: Q | Option: 1
(Years 1-3)
0-79: 7%
80-85: 3.5%
Trail Options Available 1.25% | AL,CT, MA, MN, NY, OK, OR, UT, VT, WA |
|
Reliance Standard Life
A/A | Keystone - 7
9/1/2010 | ann.pt-pt -Cap:
5% 4%
ann pt-pt Part :
30% 25%
ann.mthly ave Cap:
5.5% 5%
ann.mthly ave Part :
40% 35%
fixed rate:
2.60% 2%
| | $10K Q/NQ
$5K / strategy
min.guarantee Greater of 100% of premium accumulated @ 2% less w/drawals & surrender charges. | 10% of AV after 1st year | 9-8-7-6-5-4-3 | 0-85
DB is full AV | 0-80 5%
81-85 4% | AL,MN,MT,NY,OR |
|
Reliance Standard Life
A/A | Keystone - 10
9/1/2010 | ann pt-pt:
5% 4%
ann pt-pt Part:
30% 25%
ann mthly ave Cap:
5.5% 5%
ann mthly ave Part :
40% 35%
fixed rate:
2.65% min.2% | | $10K
$5K / strategy
Greaterof 100% of premium accumulated @ 2.00% less w/drawals & surrender charges | 10% of AV | 9-9-8-7-6-5-4-3-2-1-0 | 0-85
DB is full AV | 0-80 8.5%
81-85 6.8% | AL,MN,MT.NY,OR |
|
Reliance Standard Life
A/A | Keystone - 5
9/1/2010
| Strategy Rate MGIR
Ann'l Pt-Pt: 4.5% 4,00%
Ann'l Pt-Pt w/Part.: 25% 25%
Ann'l Mthly Avg. Cap: 5.0% 5.0%
Ann'l Mthly Avg. w/ Part:. 35% 35%
Fixed Rate: 2.50% 1.50% | | $10K
Q/NQ
$5K Minimum per Strategy
Minimum Guarantee: 100% of premium accumulated at 1.5% 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 | 0-85
Age of annuitant
DB=Full Account Value at Death | 0-80: 4%
81-85: 3.2% | AL,MN,MT, NY, OR |
|
Allianz
A/AA
| Pro V1
SPDA
9/8/10 | -Annual pt-to-pt with spread
-Barclays Capital US agregate Bond Index
-PIMCO US Advantage Index
-Fixed Account = 2.85% | Payout options:
- 1x10 on full accum
- 1x5 interest only | $10k Q/NQ | 10% of premium per yr starting immediately | 5 yrs
8,7,6,5,4 | 0-85 | 0-75 = 3.25%
76-80 = 2%
81-85 = 1%
Trail options available | AL, DE, HI, MO,NV, NJ, OR, TX, VT
-Call for state variations |
|
Forethought
A-/not rated | Index Bonus 115
08/5/10 | 100% Participation
Ann. Reset
Mthly Pt-to-pt Cap: 2.10% 2.35% 2.60%
Annual Pt-to-pt w/ Cap: 5.50% 6.00% 6.25%
Fixed Account: 2.00% | Bands Low: $25k-$99,999
High: $100,000-$249,999
Ultra: $250,000 plus
15% Income Bonus
GLIB Plus rider charge 0.30%
Death benefit rider 0.75% | $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: 9.00%
76 - 85: 6.50%
(Rates 1.00% less in AK, CT, DE, MN, OR, SC, UT) | AK, CA, DE, MO, NY, OR, UT, WA |
|
Phoenix
BBB+ | Index Select
08/4/10 | 1yr Pt-to-pt S&P
<$50k: 6.00%, >$50k: 6.50%
1yr Pt-to-pt DJIA
<$50k: 5.50%, >$50k: 6.00%
1yr Pt-to-pt DJ Euro Stoxx 50
<$50k: 5.50%, >$50k: 6.00%
1yr Pt-to-pt Balanced
<$50k: 5.65%, >$50k: 6.15%
5yr Pt-to-pt Soft Landing
<$50k: 60%, >$50k: 65%
Fixed Account: 2.75% | Guar Min Withdrawal Ben
- Income 25: 25% bonus
- Income Plus: 8% compound for 10yrs
- Income Max: Highest annual ben amount
Annual fee 0.50% | $15k Q/NQ
Min guar =
87.5% of prem
@ 1-3% | 10% of contract value each yr | 10 yrs:
10-9-8-7-6-5-4-3-2-1-0% | 0-85
DB=AV | 0-75: 7.50%
76-85: 5.00% | CA, DE, ME, NJ, NY, NV, OR |
|
Phoenix
BBB+ | Index Select Bonus
08/4/10 | 5% Premuim Bonus
1yr Pt-to-pt: S&P
<$50k: 4.75%, >$50k: 5.25%
1yr Pt-to-pt: DJIA
<$50k: 4.25%, >$50k: 4.75%
1yr Pt-to-pt: DJ Euro Stoxx
50 <$50k: 4.25%, >$50k: 4.75%
1yr Pt-to-pt: Balance Allocation
<$50k: 4.35%, >$50k: 4.85%
5yr Pt-to-pt: Soft Landing
<$50k: 50%, >$50k: 55%
Fixed Account: 2.50% | Guar Min Withdrawal Ben:
-Income bonus 25%
-Income Plus 8% compound
-Income Max | $15k Q/NQ
Min Guar =
87.5% @ 1-3% | 10% of acct value beginning yr 1 | 10yrs:
10-9-8-7-6-5-4-3-2-1-0% | 0-85
DB=AV | 0-75: 7.50%
76-85: 5.00% | CA, CT, DE, ME, NJ, NY, NV, OR |
|
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