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888-661-1999 |
MYGA Traditional Indexed |
For Agent Use Only. Not for use with the general public. |
Fixed Indexed Annuities
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| Carrier & Product | Current Rates (subject to change) |
Withdrawal Provision |
Surrender Charge |
Minimum Guarantee |
Issue Age |
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 Allianz Life Insurance Company of North America, Minneapolis, MN A (Excellent) A.M. Best AA (Very Strong) Standard & Poor's MasterDex X® 10% bonus on all premium received in the first three contract years. (02/10) |
Monthly Sum Cap Nasdaq-100®: 2.50% S&P 500: 2.30% Euro STOXX 50: 2.30% Annual P-to-P Cap Nasdaq-100®: 5.00% S&P 500: 5.75% Euro STOXX 50: 5.25% Blended: 5.75% Mo. Average Spread No Cap/Blended Index 2.00% Spread Fixed Account: 2.25% |
After the 1st contract year, up to 10.00% of the contract's premium paid can be withdrawn each contract year as long as the money is withdrawn after the contract anniversary following the most recent premium payment; maximum is cash surrender value. |
10-year surrender period, (10%, 10, 10, 8.75, 7.50, 6.25, 5.00, 3.75, 2.50, 1.25, 0); beginning in contract year four, the surrender charge decreases 1.25% on each contract anniversary. At the beginning of the 11th contract year, the surrender charge will be zero and the contract owner can access the full accumulation value. |
87.5% of total premium paid, less withdrawals, credited at an interest rate of no less than 2.50% per year. |
0 - 80 Lower Issue Age Effective 2/6/2009 |
0 - 75 7.00% 76 - 80 5.00% |
Death benefit (prior to annuitization):
The contract's accumulation value, including both vested and unvested premium bonus, is available as a lump sum or as income payments.
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Endurance Elite® 10% bonus to the Enhanced Withdrawal Benefit (EWB) value no bonus to Accumulation Value. A (Excellent) A.M. Best AA (Very Strong) Standard & Poor's (02/10) |
100% participation rate 105% interest enhancement for EWB Monthly Sum Cap Nasdaq-100®: 3.10% S&P 500: 2.50% Euro STOXX 50: 2.50 Annual P-to-P Cap Nasdaq-100®: 5.50% S&P 500: 6.00% Euro STOXX 50: 6.00 Blended: 6.50% 100% participation rate Mo. Average Spread Blended: 2.00% Fixed Account: 2.50% |
After the 1st contract year, up to 10.00% of the contract's premium paid can be withdrawn each contract year as long as the money is withdrawn after the contract anniversary following the most recent premium payment; maximum is cash surrender value. | 5-year surrender period, (8%, 7%, 6%, 5%, 4%, 0%) | 87.5% of premium paid receives a guaranteed rate at issue no less than 1.00% | 0 - 80 |
0 - 75 5.00% 76 - 80 3.50% |
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 A (Excellent) A.M. Best AA- (Very Strong) Fitch A+ (Strong) S&P Aa (Excellent) Moody's Global Bonus IndexSM Contract No. 07109 SPDA 5.00% Premium Bonus (02/10) |
Global Multiple Index
AccountSMwith Cap:
5.50% Annual Pt to Pt w/ PR (S&P 500®): 35% Monthly Additive w/ Cap (S&P 500®) : 1.90% Fixed Interest Rate: 2.85% Global 6 Index, 5.5% Cap, Fixed Account 2.35%, Not available in VT. Global 8 Index, 6.00% Cap, Fixed Account 2.70%, Not available in VT. |
10% Free Withdrawals in ALL years. |
10 Years (10, 10, 10, 10, 10, 9, 8, 7, 6, 4) + or -MVA |
Minimum Guaranteed Contract Value 100% of premium minus withdrawals, accumulated at 2.00% |
0-80 (Q & NQ) |
7.00% 0-75 4.50% 76-80 |
Full value at Death!
Plus 100% Extended Care Rider Waiver of Surrender Charges! GMWB with No upfront cost, Payments can increase with age and higher annuity value - Annuity Value - 5 x 54. |
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 American National Insurance Financial Strength A (Excellent) A.M. Best AA- (Very Strong) Standard & Poor's Ranked #2 on Forbes 2009 "100 Most Trustworthy Companies" list. (02/10)  Products are distributed by Legacy Marketing Group® BenchMark 500SM SE Series Flexible Premium Deferred Fixed Index Annuities
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S&P 500® 1-Year P-to-P w/ Cap 100% Par:
1-Year P-to-P w/ Par No Cap:
2-Mo Avg w/ Cap 100% Par:
5-Year P-to-P w/ Par No Cap:
6-Year P-to-P w/ Par No Cap:
Guaranteed One-Year:
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Surrender Charge-Free Withdrawals: 10.00% of annuity value after the first year without surrender charge or MVA. For qualified contracts, the minimum required distribution may be withdrawn without surrender charge or MVA beginning the first year. Withdrawals over the surrender charge-free amount are subject to surrender charges and a market value adjustment. Withdrawals may be subject to income tax, and a federal income tax penalty may apply to withdrawals taken before age 59½. If a withdrawal is taken from an index or commodity strategy before the end of the term period, any interest that would have been earned will not be credited on the amount withdrawn. Interest will only be credited on the remaining account value at the end of the strategy term. Certain tax-qualifed plans allow minimum required distribution without surrender charges if the amount exceeds the surrender charge-free amount. State restrictions may vary. See contract for details. Less prior withdrawals and any associated surrender charges, market value adjustments, and deductions. |
Six SE and Six SE 3:
12.5, 11.5, 10.5, 9.5, 8, 7, 0% Ten SE: 12.5, 11.5, 10.5, 9.5, 8, 7, 6, 5, 4, 2, 0% Ten SE 5 and Ten SE 8: 16.5, 16.5, 15.5, 14.5, 13, 12, 11, 10, 9, 7, 0% |
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0-75 Six SE: 6.00% Six SE 3: 5.00% Ten SE: 8.00% Ten SE 5: 7.50% Ten SE 8: 7.00% 71-75 Six SE: 6.00% Six SE 3: 5.00% Ten SE: 6.00% Ten SE 5: 5.63% Ten SE 8: 5.25% 76-80 Six SE: 4.50% Six SE 3: 3.75% Ten SE: 4.00% Ten SE 5: 3.75% Ten SE 8: 3.50% 81-85 Six SE: 3.00% Six SE 3: 2.50% Ten SE: 4.00% Ten SE 5: 2.00% Ten SE 8: 1.75% |
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 EquiTrust Life Insurance Company B+ (Good) A.M. Best A- (Strong) Standard & Poor's $6.8 Billion in assets as of 12/30/07 (02/10) MarketPower Bonus Index® Fixed Index Annuity 10.00% Premium Bonus on all premiums added year 1. |
1-Yr P-to-P Cap 6.00% 1-Yr Daily Ave Cap 7.00% 1-Yr Mo Avg Par 70% 1-Yr Mo Cap 2.65% 1-Yr Interest Account 2.85% 1-Yr Interest Min: 1.00% 1-yr PTP Min Cap 4% 1-yr Avg Min Cap from 5% 1-yr Avg Min Par 40% 1-Yr Mo Min Cap:0.50% 2-Yr Ave Min Cap: 12% |
Interest only 1st contract year, 10.00% of Account Value years 2+ |
14 Year (20, 20, 19, 19, 18, 17, 16, 14, 12, 10, 8, 6, 4, 2% and then 0%) |
87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate. Minimum Guaranteed Interest Rate on 1-Year Fixed Interest (MGIR) 2.00% Except In Wyoming, the MGCR is applied to 90% of premium to determine the minimum cash value floor. |
0-80 (Q & NQ) |
0-80: 8.50% Apps Rec'd 03/04/2010 |
Full Value at Death. Nursing Home Waiver. |
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B+ (Good) A.M. Best A- (Strong) Standard & Poor's (02/10) MarketBooster Index® FLEXIBLE PREMIUM 7.00% Premium Bonus on all premiums added years 1-5 |
1-Yr Mo Avg Par 65% 1-Year P-to-P Cap 5.25% 1-Yr Daily Ave Cap 6.00% 1-Yr Mo Cap 2.30% 1-Yr Interest Account 2.50% 1-Yr Interest Min: 1.00% 1-yr Avg Min Par 40% 1-Yr Mo Min Cap:0.50% 1- Yr Daily Avg Cap: 5.00% 1-Yr P-to-P MinCap 4% |
Interest only 1st contract year. 10.00% of Account Value years 2+ |
9 Year (17.5, 17.5, 17.5, 17.5, 17.5, 13, 10, 8, 6%) |
100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate less surrender charges Minimum Guaranteed Interest Rate on 1-Year Fixed Interest (MGIR) 2.00% | 0 - 80 |
0-80 3.50% Year 1 Year 2 3.50% Paid on annuity Value |
Full Value at Death. Nursing Home Waiver. MarketBooster temporarily withdrawn in AK, FL, IL, IN, MD, OK, TX, VA & VT. |
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B+ (Good) A.M. Best A- (Strong) Standard & Poor's (02/10) MarketTwelve Bonus Index® 12.00% Premium Bonus! |
1-Yr Mo Avg Par 65% 1-Yr P-to-P Cap 5.50% 1-Yr Daily Ave Cap 6.00% 1-Yr Mo Cap 2.40% 1-Yr Interest Account 2.60% 1-Yr Interest Min: 1.00% 1-yr Avg Min Par 25% 1-Yr Mo Min Cap:0.50% 1-Yr Daily Avg Cap: 4.00% 1-Yr P-to-P MinCap 3% 2-Year Monthly Average Cap Index Account 20%! Biennial index credits based on the monthly average of the S&P 500® over a two-year period, subject to an Index Cap. The cap may change every 2 years, subject to a 12% minimum. |
Interest only 1st contract year 10.00% of Account Value |
14 Year (20, 20, 19, 19, 18, 17, 16, 14, 12, 10, 8, 6, 4, 2% and then 0%) |
100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate, less surrender charges Minimum Guaranteed Interest Rate on 1-Year Fixed Interest (MGIR) |
0-80 (Q & NQ) |
0-80 6.50% Year 1 Year 2 2.50% Paid on annuity Value |
Full Value at Death. Nursing Home Waiver. |
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 Lincoln Financial Group Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Assets under management of $178 billion as of December 31, 2008. A.M. Best A (Superior) S&P's AA- (Very Strong) Moody's A2 (Good) (02/10)  New Directions® 6 Fixed Indexed Annuity Premiums <$100K |
Performance Triggered Indexed Account:
5.20% Specified rate 2-Year Point-to-Point Indexed Account: 12.60% Indexed Interest Cap. Fixed Account: 2.90% Guaranteed 6 years. |
10.00% of Accumulated Value Annually |
6 Year (9%, 8%, 7%, 6%, 4.75%, 3.50%, 0% thereafter) + or - MVA |
Guaranteed Minimum cash surrender value is 100% of premium(s) paid accumulated at GMIR of 1.25%. |
0-85 NQ or Q |
3.50% 0-75 2.75% 76-80 1.75% 81-85 |
Full Accumulation Death Benefit! | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Lincoln Financial Group A.M. Best A (Superior) S&P's AA- (Very Strong) Moody's A2 (Good) (02/10) Lincoln New Directions® 6 Fixed Indexed Annuity Premiums >or=$100K |
Performance Triggered Indexed Account:
5.55% Specified rate 2-Year Point-to-Point Indexed Account: 13.60% Indexed Interest Cap. Fixed Account: 3.10% Guaranteed 6 years. |
10.00% of Accumulated Value Annually |
6 Year (9%, 8%, 7%, 6%, 4.75%, 3.50%, 0% thereafter) + or - MVA |
Guaranteed Minimum cash surrender value is 100% of premium(s) paid accumulated at GMIR of 1.25%. |
0-85 NQ or Q |
3.50% 0-75 2.75% 76-80 1.75% 81-85 |
Full Accumulation Death Benefit! | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Lincoln Financial Group A.M. Best A (Superior) S&P's AA- (Very Strong) Moody's A2 (Good) (02/10) Lincoln New Directions® 8 Fixed Indexed Annuity Premiums <$100K |
Performance Triggered Indexed Account:
5.75% Specified rate 2-Year Point-to-Point Indexed Account: 14.10% Indexed Interest Cap. Fixed Account: 3.20% Guaranteed 8 years |
10.00% of Accumulated Value Annually |
6 Year (9%, 8%, 7%, 6%, 4.75%, 3.50%, 0% thereafter) + or - MVA |
Guaranteed Minimum cash surrender value is 100% of premium(s) paid accumulated at GMIR of 1.25%. |
0-85 NQ or Q |
4.50% 0-75 3.50% 76-80 2.25% 81-85 |
Full Accumulation Death Benefit! | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Lincoln Financial Group A.M. Best A (Superior) S&P's AA- (Very Strong) Moody's A2 (Good) (02/10) Lincoln New Directions® 8 Fixed Indexed Annuity Premiums > OR =$100K |
Performance Triggered Indexed Account:
6.00% Specifed rate 2-Year Point-to-Point Indexed Account: 14.85% Indexed Interest Cap. Fixed Account: 3.35% Guaranteed 8 years. |
10.00% of Accumulated Value Annually |
6 Year (9%, 8%, 7%, 6%, 4.75%, 3.50%, 0% thereafter) + or - MVA |
Guaranteed Minimum cash surrender value is 100% of premium(s) paid accumulated at GMIR of 1.25%. |
0-85 NQ or Q |
4.50% 0-75 3.50% 76-80 2.25% 81-85 |
Full Accumulation Death Benefit! | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
 North American Company for Life and Health Insurance Rated A+ (Superior) by A.M. Best AA- (Very Strong) by Standard & Poor's. (02/10) Charter SeriesSM FPDA 14 Year Option 11.00% Premium Bonus on all Premiums paid in the 1st 7 yrs 14.05% Guaranteed First Year Yield! 2.75% Current Fixed Value Rate plus 11% premium bonus. (Assumes no withdrawals) |
Par: 100%
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10.00% of Accumulation Value Annually After the 1st Yr. | 14 Year (18, 18, 17, 15, 15, 15, 15, 14, 12, 10, 8, 6, 4, 2, 0%) + or - Interest Adjustment | 3.00% Minimum Guarantee Surrender Value: Accumulation 87.5% of premiums, less withdrawal proceeds, at 3.00% Interest, compounded Annually. |
0 - 75 Minimum: $2,000 Q $10,000 Non-Q Maximum: $3M per annuitant/owner |
8.50% for approved states except in MN, UT, and VA comm reduced by 1%. Effective March 16, 2009: North American has temporarily suspended new fixed annuity agent appointments. Therefore, this information is only applicable to currently contracted North American Agents. |
Full Accumulation Value at death. Effective April 10, 2009, North American is temporarily suspending sales of all variations of the Guaranteed Living Withdrawal Benefit Riders (GLWB's) in all states. The North American Charter Series is issued on form number LC156A (group) or LS156A (individual), LR342A, LR398A or appropriate state variations by North American Company for Life and Health Insurance, Chicago, Illinois. This product, its features and riders may not be available in all states. 1. The Dow Jones Euro STOXX 50® is the intellectual property of (including registered trademarks) STOXX Limited, Zurich, Switzerland and/or Dow Jones & Company, Inc., a Delaware corporation, New York, USA, (the “Licensors”), which is used under license. The securities based on the Index are in no way sponsored, endorsed, sold or promoted by the Licensors and neither of the Licensors shall have any liability with respect there to. |
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Rated A+ (Superior) by A.M. Best AA- (Very Strong) by Standard & Poor's. (02/10) Charter SeriesSM FPDA 10 Year Option 6.00% Premium Bonus on all Premiums paid in the 1st 7 yrs 8.65% Guaranteed First Year Yield! 2.50% Current Fixed Value Rate plus 6% premium bonus. (Assumes no withdrawals) |
Par: 100%
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10.00% of Accumulation Value Annually After the 1st Yr. | 10 Year (15, 14, 13, 12, 11, 10, 8, 6, 4, 2, 0%) + or - Interest Adjustment | 3.00% Minimum Guarantee Surrender Value: Accumulation 87.5% of premiums, less withdrawal proceeds, at 3.00% Interest, compounded Annually. |
0 - 79 Minimum: $2,000 Q $10,000 Non-Q Maximum: $3M per annuitant/owner |
8.50% 0 - 75 6.37% 76 - 79 for approved states except in MN, UT, and VA comm reduced by 1%. Effective March 16, 2009: North American has temporarily suspended new fixed annuity agent appointments. Therefore, this information is only applicable to currently contracted North American Agents. |
Full Accumulation Value at death. |
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Rated A+ (Superior) by A.M. Best AA- (Very Strong) by Standard & Poor's. (02/10) Paramount Choice Ten® 10.00% Premium Bonus on all Premiums paid in the 1st 6 yrs |
Par: 100%
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10.00% penalty-free withdrawals. |
10 Year (9, 9, 8, 7, 6, 5, 4, 3, 2, 1%) |
2.00% on 100% |
0 - 79 |
6.50% Commission for issue ages 76-79 reduced by 25%. MO and VA commission reduced by 1%. |
Premium Bonus Recapture Provision A 10% premium bonus will be credited to the Accumulation Value for premium received during the first six contract years. During the surrender charge period, withdrawals in excess of the penalty-free amount or a full surrender will incur a premium bonus recapture as outlined below. This is in addition to any applicable surrender charges and/or Interest Adjustments. The recapture schedule is based on the issue date and applies to all premium bonuses credited. The premium bonus is fully vested in the event of death of the annuitant. No premium bonus recapture will occur on any penalty-free withdrawal amount, Required Minimum Distribution, or under the Nursing Home Confinement Waiver. |
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 RBC Insurance® is the brand name for Liberty Life Insurance Company, a part of the global insurance operations of Royal Bank of Canada. >$713 billion in assets as of January 31, 2009. RBC Insurance US Assets: $3.6b Liabilities: $3.36b Capital & Surplus: $234.3 million. Financial Strength Ratings A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) Enhanced Choice 12 Fixed Index Annuity 5.00% Premium Enhancement/Bonus (no recapture) (SPDA)-AN3023 |
DJIASM QP2PCap: 2.00% DJIASM Mo Avg. Cap: 5.00% S&P AP2P: Cap: 5.00% 1 Year MP2P: Cap: 2.25% 1 Year QP2P : Cap: 2.00% 1 Year Mo Avg : Cap : 5.00% Fixed Account: 2.60% Year 1 1.60% Guar yrs 2-8 |
10.00% Free Withdrawals after 1st yr (CA, IA, IN, MS, TX: Allowed during 1st yr; commission chargeback may apply) |
12 Years
(14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3) CA only (12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1) + or - MVA |
For new issues, a minimum guarantee of 1.00% currently applies to the Fixed Account. The contract's cash surrender value will never be less than 87.5% of the premium payment, less any premium taxes (if applicable) and withdrawals plus interest earned at 1.00%. |
0-80 Q 0-85 NQ $5,000, Single premium. |
8.00% 0-75 6.00% 76-80 4.00% 81-85 Commission reduced 1% in CA |
Full value at Death!
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Financial Strength Ratings A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) Choice 10 |
DJIASM QP2PCap: 2.00% DJIASM Mo Avg. Cap: 5.00% S&P AP2P: Cap: 5.00% 1 Year MP2P: Cap: 2.25% 1 Year QP2P : Cap: 2.00% 1 Year Mo Avg : Cap : 5.00% Fixed Account: 2.50% Year 1 |
10.00% Free Withdrawals after 1st yr |
10 Year (10, 10, 10, 9.5, 9, 8, 7, 6, 4, 2) WA only (9, 9, 8, 7, 6, 5, 4, 3, 2, 1) + or - MVA |
For new issues, a minimum guarantee of 1.00% currently applies to the Fixed Account. The contract's cash surrender value will never be less than 87.5% of the premium payment, less any premium taxes (if applicable) and withdrawals plus interest earned at 1.00%. |
0-80 Q 0-85 NQ $5,000, Single premium. |
10.00% 0 - 75 8.00% 76 - 80 6.00% 81 - 85 Commission reduced 1% in CA & WA |
Full value at Death!
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Financial Strength Ratings A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) Enhanced Choice 8 2.00% Premium Enhancement/ Bonus (no recapture) (SPDA) – AN3021 |
DJIASM QP2PCap: 5.00% DJIASM Mo Avg. Cap: 5.00% S&P AP2P: Cap: 5.00% 1 Year MP2P: Cap: 2.25% 1 Year QP2P : Cap: 2.00% 1 Year Mo Avg : Cap : 5.00% Fixed Account: 2.75% Year 1 1.75% Guar yrs 2-8 |
10.00% Free Withdrawals after 1st yr (CA & WA: Allowed during 1st yr; commission chargeback may apply). |
8 Year (10, 9, 8, 7, 6, 5, 4, 2) CA & WA only (9, 8, 7, 6, 5, 4, 3, 2) + or - MVA |
For new issues, a minimum guarantee of 1.00% currently applies to the Fixed Account. The contract's cash surrender value will never be less than 87.5% of the premium payment, less any premium taxes (if applicable) and withdrawals plus interest earned at 1.00%. |
0-80 Q 0-85 NQ $5,000, Single premium. |
6.00% 0 - 75 4.50% 76 - 80 3.50% 81 - 85 Commission reduced 1% in CA & WA |
Full value at Death!
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 Forethought Financial Group, Inc Financial Strength Ratings A.M. BEST RATINGS A- (excellent) (02/10) Income 125SM 25.00% Income Bonus |
Ultra Band $250,000 > S&P Monthly Point-to-Point with Cap : 1.25% Fixed Account Strategy 2.00% High Band $100k > $249,999 S&P Monthly Point-to-Point with Cap: 1.00% Fixed Account Strategy 2.00% Low Band $25k > $99,999 S&P Monthly Point-to-Point with Cap: 0.75% Fixed Account Strategy 2.00% |
10.00% of the beginning-of-year Contract Value after the first contract year can be withdrawn each year without incurring withdrawal charges. Systematic withdrawals may be specified by dollar amount or percentage of Contract Value with your choice of payout frequency. |
10-year declining +/-MVA (12%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 4%, 2%, 0%) |
87.5% of the premiums paid, less withdrawals and rider charges, compounded at the applicable Minimum Guaranteed Contract Withdrawal Value Interest Rates, ranging from 1% to 3%. |
0-85 Min Initial Q: $25,000 Non-Q: $25,000 |
7.50% 0-75 5.00% 76-85 |
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Financial Strength Ratings A- (excellent) (02/10) Income 25 Now Available In Oregon With A 15% Bonus And 5% Roll Up For Life |
Ultra Band $250,000 > S&P Monthly Point-to-Point with Cap : 1.25% Fixed Account Strategy 2.00% High Band $100k > $249,999 S&P Monthly Point-to-Point with Cap: 1.00% Fixed Account Strategy 2.00% Low Band $25k > $99,999 S&P Monthly Point-to-Point with Cap: 0.75% Fixed Account Strategy 2.00% |
10.00% of the beginning-of-year Contract Value after the first contract year can be withdrawn each year without incurring withdrawal charges. Systematic withdrawals may be specified by dollar amount or percentage of Contract Value with your choice of payout frequency. |
10-year declining +/-MVA (12%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 4%, 2%, 0%) |
87.5% of the premiums paid, less withdrawals and rider charges, compounded at the applicable Minimum Guaranteed Contract Withdrawal Value Interest Rates, ranging from 1% to 3%. |
0-85 Min Initial Q: $25,000 Non-Q: $25,000 |
7.50% 0-75 5.00% 76-85 |
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 Investors Insurance Corporation Wilmington, DE A.M. Best A - (Excellent) Standard & Poor's A (Strong) (02/10) Products are distributed by Legacy Marketing Group  PremierMark® SE Plus 10 10.00% Immediately vested premium bonus! |
S&P 500® Mo. Avg.:
(Cap/Participation Rate)
Plus 10: 4.00%/100% S&P 500® Ann. Pt.-Pt.: (Cap/Participation Rate) Plus 10: 3.75%/120% Gold (Ann. Pt.-Pt.): (Cap/Participation Rate) Plus 10: 3.75%/100% Guaranteed One-Year: Declared and guaranteed on an annual basis from the date each premium is received. Plus 10: 1.75% 3 Year Blended Index (Mo. Avg.): (Spread/Participation Rate) Plus 10: 11.00%/100% |
First year: MRDs. Second year and subsequent years: Greater of 10.00% of annuity value or MRDs. |
9-year declining +/-MVA (18, 18, 17, 16, 15, 14, 13, 11, 9%) |
GREATER of Base Guarantee or Contract Guarantee (See contract for details.) Base Guarantee: 87.5% of premiums accumulated at 1%-3% annually over life of contract (varies by state and issue date). Current Minimum Guaranteed Interest Rate: 1.05% Contract Guarantee: 100% of premium and bonus, if applicable, allocated to all strategies. Additionally, all premium allocated to Guaranteed One-Year Strategy is guaranteed to earn a minimum of 1.50% annually. |
0-80 Q 0-80 |
IMPORTANT CHANGES TO COMMISSIONS SEE BELOW Guaranteed 1-Year 2.50% 3-Year Blended Index 2.50% 1-Year Pt-to-Pt, Gold, and Mo. Av. 2.50% |
Optional Enhanced Care Rider®-optional rider increases annuity value to help clients meet future expenses, including extended care costs. Rider cost: 0.65% annually. 0% administrative fees, guaranteed. Optional Beneficiary Rider: Plus to transfer more wealth to beneficiaries. “Checkbook” access. Confinement Waiver. Substantially equal periodic payments. Systematic income option. Full annuity value (no surrender charge) at death, regardless of issue age. |
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Investors Insurance Corporation Wilmington, DE A.M. Best A - (Excellent) Standard & Poor's A (Strong) (02/10) Products are distributed by Legacy Marketing Group PremierMark® SE Plus 7.00% Immediately vested premium bonus! |
S&P 500® Mo. Avg.:
(Cap/Participation Rate)
Plus 10: 3.15%/100% S&P 500® Ann. Pt.-Pt.: (Cap/Participation Rate) Plus 10: 3.15%/120% Gold (Ann. Pt.-Pt.): (Cap/Participation Rate) Plus 10: 3.15%/100% Guaranteed One-Year: Declared and guaranteed on an annual basis from the date each premium is received. Plus 10: 1.60% 3 Year Blended Index (Mo. Avg.): (Spread/Participation Rate) Plus 10: 10.85%/100% |
First year: MRDs. Second year and subsequent years: Greater of 10.00% of annuity value or MRDs. |
9-year declining +/-MVA (18, 17, 16, 15, 14, 13, 12, 10, 8%) |
GREATER of Base Guarantee or Contract Guarantee (See contract for details.) Base Guarantee: 87.5% of premiums accumulated at 1%-3% annually over life of contract (varies by state and issue date). Current Minimum Guaranteed Interest Rate: 1.05% Contract Guarantee: 100% of premium and bonus, if applicable, allocated to all strategies. Additionally, all premium allocated to Guaranteed One-Year Strategy is guaranteed to earn a minimum of 1.50% annually. |
0-80 Q 0-80 |
IMPORTANT CHANGES TO COMMISSIONS SEE BELOW Guaranteed 1-Year 4.00% 3-Year Blended Index 4.00% 1-Year Pt-to-Pt, Gold, and Mo. Av. 4.00% |
Optional Enhanced Care Rider®-optional rider increases annuity value to help clients meet future expenses, including extended care costs. Rider cost: 0.65% annually. 0% administrative fees, guaranteed. Optional Beneficiary Rider: Plus to transfer more wealth to beneficiaries. “Checkbook” access. Confinement Waiver. Substantially equal periodic payments. Systematic income option. Full annuity value (no surrender charge) at death, regardless of issue age. |
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 A.M. Best A- S&P BBB+ $13.5 Billion in assets as of September 30, 2008, 98% Investment Grade Bond Portfolio (02/10) Bonus Gold 10.00% Immediately Vested Premium Bonus |
13.40% Guaranteed First Year Yield! 3.10% Current Fixed Value Rate Plus 10.0% Bonus S&P 500 Annual Monthly Average w/ 35% Par S&P 500 Annual Monthly Average w/ 6.50% Cap Dow Annual Monthly Average w/ 6.50% Cap Dow Annual Pt to Pt w/ 7.00% Cap S&P 500 Annual Pt to Pt w/ 25% Par S&P 500 Annual Pt to Pt w/ 6.50% Cap S&P 500 Monthly Pt to Pt w/2.60% Cap 10-Year U.S Treasury Bond Current Fixed Value Rate 3.10% |
10.00% of Contract Value Annually, Starting Year 2. Systematic W/D & RMD mmediately from Fixed. |
16 Year Issue Ages 0-80: 20, 19.5, 19, 18.5, 18, 17.5, 17, 16, 15, 14, 12, 10, 8, 6, 4, 2, 0% NO MVA |
Minimum Guaranteed Interest: Currently 3.00% MGIR is set at issue, guaranteed for life of the contract and is based on the 2 month average of the 5 Year Constant Maturity Treasury Rate in October and November of the previous year. Minimum Guaranteed Surrender Value: 80% of 1st year premium plus premium bonus plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually. |
Maximum issue age 80 for Q or NQ.
Min: $5,000 NQ or Q Renewal $500 Annual or $50/Mo EFT Max without Home Office Approval: 0-69: $1,000,000 70-74: $750,000 75-80: $500,000 |
Call For Details |
Full Contract Value at Death: The contract's accumulation value, including both vested and unvested premium bonus, is available as a lump sum. 100% Nursing Care & 100% Terminal Illness Waiver of Surrender Charges Lifetime Income Benefit Rider: Choice of an 5.00% annual accumulation option at no initial cost or 8.00% annual accumulation option with a 45 bps annual fee. (30 bps for the Eagle 10 & 12) Income available as early as year 2 and age 50. |
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A.M. Best A- S&P BBB+ (02/10) Retirement Gold 10.00% Premium Bonus (Bonus Vesting Schedule applies) |
S&P 500 Annual Monthly Average w/ 30% Par S&P 500 Annual Monthly Average w/ 6.00% Cap S&P 500 Annual Pt to Pt w/ 25% Par S&P 500 Annual Pt to Pt w/ 6.00% Cap S&P 500 Monthly Pt to Pt w/2.40% Cap Current Fixed Value Rate 2.90% |
10.00% of Contract Value Annually, Starting Year 2. Systematic W/D & RMD mmediately from Fixed. |
Surrender Charge: 12.5, 12, 12, 11, 10, 9, 8, 7, 6, 4, 0% (10 yrs.) Bonus Vesting: 0, 0, 0, 8.33, 16.67, 25, 33.33, 41.67, 50, 58.33, 66.67, 75, 83.33, 91.67, 100% (14 yrs.) NO MVA |
Minimum Guaranteed Interest: Currently 3.00% MGIR is set at issue, guaranteed for life of the contract and is based on the 2 month average of the 5 Year Constant Maturity Treasury Rate in October and November of the previous year. Minimum Guaranteed Surrender Value: 80% of 1st year premium plus premium bonus plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually. |
Maximum issue age 78 for Q or NQ.
Min: $5,000 NQ or Q Renewal $500 Annual or $50/Mo EFT Max without Home Office Approval: 0-69: $1,000,000 70-74: $750,000 75-80: $500,000 |
Call For Details |
Full Contract Value at Death: The contract's accumulation value, including both vested and unvested premium bonus, is available as a lump sum. 100% Nursing Care & 100% Terminal Illness Waiver of Surrender Charges Lifetime Income Benefit Rider: Choice of an 5.00% annual accumulation option at no initial cost or 8.00% annual accumulation option with a 45 bps annual fee. (30 bps for the Eagle 10 & 12) Income available as early as year 2 and age 50. |
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A (Superior) A.M. Best AA S&P (02/10) ANICO EIA |
Performance Triggered Indexed
Account W/O ROP: 5.00% Performance Triggered Indexed Account: W ROP: 4.60% Great MYGA Alternative! |
10% of beginning year account value per year, starting in 2nd year. |
-- Year 8%, 8%, 7%, 6%, 4%, 2% |
Minimum Guaranteed Interest Rate will vary by state. | Maximum issue age 85. |
5.00% 0-79 3.00% 80-85 |
Return of Premium Rider Available Waivers – Nursing Home and Disability Waivers Full Value At Death. |
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A (Superior) A.M. Best AA S&P (02/10)  ANICO Value Lock 10 5.00% Bonus |
100% Participation Guaranteed! NO CAPS NO SPREADS NO FEES NO ANNUITIZATION! LOCK IN INTEREST-RELATED GAINS AT ANY TIME DURNING THE 10 YEAR TERM |
10% of beginning year account value per year, starting in 2nd year. |
10 Year 12, 12, 11, 10, 9, 8, 7, 6, 5, 3, 0% |
90% of premium accumulated at the minimum guaranteed interest rate of 1.75% | Maximum issue age 80. |
10.00% 0-75 8.00% 76-80 |
Full Value At Death Plus Confinement and Disability 10.00% Wavier. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
 (02/10) Saver's Index Annuity Plus SPDA |
100% Par P-to-P Annual Reset Caps 5.00% <100K Caps: 5.50% 100K+ Cost of ROP: 1.25% P-to-P Annual Reset Low Water Mark Caps: 4.65% <100K Caps: 5.15% 100K+ Cost of ROP: 1.25% *first-year return is calculated using, as the starting point, the lowest closing S&P 500 value within the first 90 days after issue. Mo Avg Annual Reset Caps: 4.25% <100K Caps: 5.25% 100K+ Cost of ROP: 1.75% Mo Cap Caps: 1.70% <100K Caps: 1.80% 100K+ Cost of ROP: 0.40% Fixed account: 1.25% Cost of ROP: .15% |
10%each year including the first year. |
5 Year (8, 8, 7, 6, 5)% |
100% of Purchase Payment at 1.00% less withdrawal charges. |
Maximum issue age 85. Min Premium $10,000 NQ or Q |
4.00% 0-75 2.80% 76-85 |
Full account value at death of owner No chargeback under death claim. Return of Purchase Payment (cost involved) Nursing Home Terminal Illness Unemployment Lifetime Income ADL Rider: Inability to perform 2 of 6 daily activities. |
Visit us on the Web: www.annuity1.com ♦ Or Email: info@annuity1.com
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Product availability and features may vary by state. Please note: This product is not a direct investment in an index. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life InsuranceCompany of North America. Any distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty. Bonus annuities may include higher surrender charges, longer surrender charge periods, or other restrictions that are not included in similar annuities that don't offer a bonus. Unpaid loans will be treated as partial surrenders and will decrease the contract's value and death benefit. State variations may apply. Surrender charge is 9.1% over 10 years in AL, DE, KY, IN; 10% over 10 years in AK, CT, IL, NJ, PA. Loans not available in VT. In certain states, if taken as a lump-sum payment, the death benefit will equal the greater of the cash surrender value, or the sum of the premiums paid less any withdrawals. Subject to the guaranteed minimum values in the policy, the cash surrender values may increase or decrease based on a market value adjustmentprior to the date or dates specifed in the policy. The market value adjustment has no effect on the death benefit. Standard & Poor's 500♦ index (S&P500®) is comprised of 500 stocks representing major U.S. industrial sectors. “Standard&Poor's♦,” “S&P®,”“S&P500,” “Standard & Poor's 500,” and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The product is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product. The Nasdaq-100 Index♦ includes 100 of the largest domestic and international non-financial securities listed on The Nasdaq Stock Market, based on market capitalization. The Nasdaq-100♦, Nasdaq-100 Index, and Nasdaq♦ are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affliates are the Corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold, or promoted by the Corporations THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). “FTSE”, “FT-SE”, and “Footsie” are trademarks jointly owned by the London Stock Exchange Plc and the Financial Times, and are used by the FTSE International Limited (“FTSE”) under license. The FTSE 100 is calculated by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue,operation and trading. The Allianz MasterDex X Annuity & The Allianz EnduranceSM Plus are based on the Index is in no way sponsored, endorsed, sold, or promoted by the Licensors and neither of the Licensors shall have any liability with respect thereto. Policies issued by Allianz Life Insurance Company of North America Minneapolis, MN All information is believed to be from reliable sources and accurate however please call us for details on anything you're interested in as this information is only summary and we are not liable for any errors, omissions, changes that occur. Commission rates listed above apply to most states however state variations do exist that effect commission rates and age breaks. Refer to your contract and commission schedule(s)/addendum(s) for complete details. Call us for complete details. |
Traditional Annuities
(Browser Only: Click the Column Title to Sort the Chart by that Column in descending order, click again to sort in ascending order.)
| Carrier & Product | Current Rates (subject to change) |
Withdrawal Provision |
Surrender Charge |
Minimum Guarantee |
Issue Age |
Comm | Features |
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American General A (Excellent) A.M. Best AA- (Very Strong) Fitch A+ (Strong) S&P Aa (Excellent) Moody's (02/10) HorizonMYGSM Contract 04370 SPDA |
6.65% (includes 4% 1st Year Interest Bonus) 1st Year interest Rate 4.00% Base Interest Rate 2.65% Guaranteed 2-6 Yrs. |
10.00% free w/d each year including the first yr . Systematic Withdrawals |
10 Years (10, 9, 8, 7, 6, 5, 4, 3, 2, 1) + or - MVA |
2% Guaranteed credited interest rate on annuity value. Minimum Guaranteed withdrawal amount is 90% of premium minus withdrawals, accumulated at 2.00% |
0-85 (Q & NQ) |
7.50% 0-75 5.00% 76-80 3 00% 81-85 |
Full value at Death! NO Commission Chargebacks at Death! Plus 100% Extended Care Rider Waiver of Surrender Charges! |
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American National A (Superior) A.M. Best AA S&P (02/10)  WealthQuest® Citadel 5 Diamond Annuity Policy Form ANN94 |
3.45% 1st Year 2.45% Base Rate Guar'd yr 2 plus 1% 1st year additional interest *Add 10bps to rates for $100,000 initial premiums or more. |
10% of Annuity Value as of the beginning of each policy yr. Including the first year OR Systematic Withdrawals |
5 Year (7, 7, 7, 6, 5%) (NO MVA) |
2.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and fixed for the life of the contract. | No Max Issue Age for Owners. (NQ only.) Owners on Qualified policies must be 85 yrs or younger Annuitants must be 85 yrs or younger |
4.00% 0-80 3.00% 81-85. |
Full Account Value at Death and No Commission ChargeBack at Death if Annuitiant is under 80 at Issue! NURSING HOME CONFINEMENT RIDER and Disablity Waiver |
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American National A (Superior) A.M. Best AA S&P (02/10) WealthQuest® Citadel 7 Diamond Annuity Policy Form ANN94 New 2yr rate guarantee. |
4.60% 1st Year 2.60% Base Rate Guar'd year 2 plus 2% 1st year additional interest Add 10bps to rates for $100,000 initial premiums or more |
10% of Annuity Value as of the beginning of each policy yr. Including the rst year OR Systematic Withdrawals |
7 Year (7, 7, 7, 6, 5, 4,2%) (NO MVA) |
2.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and fixed for the life of the contract. | No Max Issue Age for Owners. (NQ only.) Owners on Qualified policies must be 85 yrs or younger Annuitants must be 85 yrs or younger |
4.50% 0-80 3.50% 81-85. |
Full Account Value at Death and No Commission ChargeBack at Death if Annuitiant
is under 80 at Issue! NURSING HOME CONFINEMENT RIDER and Disablity Waiver |
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A (Superior) A.M. Best AA S&P (02/10) Century I |
3.00% Includes 1% 1st Yr. Interest Enhancement |
10.00% of Annuity Value as of the beginning of each policy yr. Including the first year OR Systematic Withdrawals. |
10 Year 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% + or - MVA |
2.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and guaranteed for the life of the contract. | Maximum issue age 90. |
8.00% 0-74 5.50% 75-90 |
Full Value at Death! |
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A (Superior) A.M. Best AA S&P (02/10) Century III |
5.00% Includes 3% 1st Yr. Interest Enhancement |
10.00% of Annuity Value as of the beginning of each policy yr. Including the first year OR Systematic Withdrawals. |
10 Year 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 0% + or - MVA |
2.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and guaranteed for the life of the contract. | Maximum issue age 85. |
7.00% 0-74 4.50% 75-85 |
Full Value at Death! |
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A (Superior) A.M. Best AA S&P (02/10) Century V |
7.00% Includes 5% 1st Yr. Interest Enhancement |
10.00% of Annuity Value as of the beginning of each policy yr. Including the first year OR Systematic Withdrawals. |
10 Year 12, 12, 11, 10, 9, 8, 6, 4, 3, 2, 0% + or - MVA |
2.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and guaranteed for the life of the contract. | Maximum issue age 80. |
6.00% 0-74 3.50% 75-80 |
Full Value at Death! |
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A (Superior) A.M. Best AA S&P (02/10) Century VII |
9.00% Includes 7% 1st Yr. Interest Enhancement Century rates 10 basis points lower in FL, IN, NC, TX, VT, VA, WA & WI |
10.00% of Annuity Value as of the beginning of each policy yr. Including the first year OR Systematic Withdrawals. |
10 Year 12, 12, 11, 11, 10, 9, 8, 6, 4, 2, 0% + or - MVA |
2.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and guaranteed for the life of the contract. | Maximum issue age 80. |
5.00% 0-74 3.00% 75-80 |
Full Value at Death! |
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Financial Strength Ratings A- (excellent) (02/10) Secure Income 125 25.00% Income Bonus |
Ultra Band $250,000 > Fixed Account: 2.50% High Band $100,000-$249,999 Fixed Account 2.50% Low Band $25,000-$99,999 Fixed Account 2.50% |
10.00% of the beginning-of-year Contract Value after the first contract year can be withdrawn each year without incurring withdrawal charges. Systematic withdrawals may be specified by dollar amount or percentage of Contract Value with your choice of payout frequency. |
10-year declining +/-MVA (12%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 4%, 2%, 0%) |
87.5% of the premiums paid, less withdrawals and rider charges, compounded at the applicable Minimum Guaranteed Contract Withdrawal Value Interest Rates, ranging from 1% to 3%. |
0-85 Min Initial Q: $25,000 Non-Q: $25,000 |
7.50% 0-75 5.00% 76-85 |
|
 Genworth Life Insurance Company® A (Excellent) A.M. BEST Standard & Poor's A Moody's A1 Fitch A (02/10) SecureLiving® Liberty SPDA Choice of a 1, 3, or 5 year rate guarantee with bailout rates! |
$250,000 or More 1 yr rate 5.15% w/ 2.65% base & 2.50% bailout rate 3 yr rate 3.40% Guaranteed Yrs 1-3 2.50% bailout rate 5 yr rate 3.15% Guaranteed Yrs 1-5 2.50% bailout rate 3.04% Effective Yield to Bailout $100,000 to $249,999 1 yr rate 4.65% with 2.65% base & 2.50% bailout rate 3 yr rate 3.30% Guaranteed Yrs 1-3 2.50% bailout rate 5 yr rate 3.05% Guaranteed Yrs 1-5 2.50% bailout rate Great Rates For Less Than $100K 1 yr rate 4.10% with a 2.60% base & 2.60% bailout rate with a 3 yr rate 3.10% Guaranteed Yrs 1-3 2.60% bailout rate 5 yr rate 2.85% Guaranteed Yrs 1-5 2.60% bailout rate |
10% free beginning in year 1 |
6 YEAR (9%, 9%, 8%, 7%, 6%, 5%, 0%) IN and MN Only: (9%, 8%, 7%, 6%) |
Minimum Guaranteed Interest Rate is 2.00%. Years 1-3 |
0-85 (Q & NQ) |
0-75: 3.00% 76-80: 1.95% 81-85: 1.05% |
Full Contract Value at Death
Nursing Home Waiver for 100% of contract value Annuitization available after 1 year into current SPIA rates! |
 B+ A.M. Best (02/10) Choice 5 |
4.00% 1st Year 3.00% Base Rate |
100% of All Cumulative Interest. Interest Only After 30 Days. |
5 Year 8, 7, 6, 5, 4% Surrender penalties apply to principal only! (NO MVA) |
0-100 (Q & NQ) |
0-80: 3.00% Ages 81+: 1.50% |
Full Value at Death! NO commission chargeback! Optional 1X5 Annuitization! |
|
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A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) Guarantee 3+3 Master Annuity (SPDA) - AN3004&AN3005 |
MVA Version 6-Year: 4.00% Guaranteed. 1-3 Yrs. NON-MVA Version 6-Year: 3.75% Guaranteed. 1-6 Yrs. |
10% Free Withdrawals after 1st Yr Systematic withdrawals are available after the 1st year. |
6 Years (7, 7, 7, 6, 4, 2) + or - MVA |
This rate may be higher or lower than the initial guaranteed interest rate, but it will always be at least 3.00%. |
0-80 Q 0-85 NQ |
2.00% 0-75 1.25% 76-80 0.50% 81-85 |
|
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A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) Master Builder Annuity (SPDA with additional premium deposits allowed in 1st 6 months) AN3009 |
3.00% 1st Year Renews at portfolio rate each year for another 12 months 3.00% guaranteed minimum |
10% Free Withdrawals after 1st Yr Systematic withdrawals are available after the 1st year. |
10 Years (10, 9, 8, 7, 6, 5, 4, 3, 2, 1) No charge during 30-day window at end of 5th contract year, + or -MVA |
This rate may be higher or lower than the initial guaranteed interest rate, but it will always be at least 3.00%. | 0-80 Q & NonQ |
6.25% 0-69 4.25% 70-80 |
|
|
A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) Value Master (SPDA with additional premium deposits allowed in 1st 6 months) L7000&L7078 |
4.20% 1st Year Renews at portfolio rate each year for another 12 months 3% guaranteed minimum. |
10% Free Withdrawals after 1st Yr Systematic withdrawals are available after the 1st year. |
10 Years (10, 9, 8, 7, 6, 5, 4, 3, 2, 1) + or -MVA |
This rate may be higher or lower than the initial guaranteed interest rate, but it will always be at least 3.00%. | 0-85 Q & NonQ |
8.50% 0-75 6.50% 76-80 5.50% 81-85 |
|
|
Investors Insurance Corporation Wilmington, DE A.M. Best A - (Excellent) Standard & Poor's A (Strong) (02/10) Products are distributed by Legacy Marketing Group  EnhanceMark® Flexible premium deferred fixed annuity. Choose from a 1-year or 10-Year Guaranteed Rate. |
Guaranteed Term Crediting Rate Strategies 1 Year 2.06% 10 Year 2.00% Enhanced Care benefit>/b> - increases annuity value to help clients pay for extended care costs. Included with contract at no extra charge. Rate Reductions For Optional Riders Enhanced Withdrawal Rider (10% surrender charge-free withdrawals in addition to MRD each year). Rider cost: -0.30% current reduction in interest rate. Annuity Value Death Benefit Rider (full annuity value at death). Rider cost: -0.30% current reduction in interest rate. |
With Enhanced Withdrawal Rider: 10% of annuity value after 30 days. With or without rider: Minimum required distributions. Substantially equal periodic payments. Confinement Waiver. |
10-year declining, +/-MVA. Based on attained age on date premium is received: Ages 0-75: 12, 12, 12, 11, 10, 9, 8, 6, 3, 1% Ages 76-80: 11.50, 10.50, 9.50, 8.50, 7.50, 6, 5, 4, 3, 1% Ages 81+: 11,10, 9, 8, 7, 6, 5, 4, 3, 1% |
1.05% for all Guaranteed Term Strategies. Standard Nonforfeiture Minimum Interest Rate: 1.00% Contract Guarantee: 87.5% of premiums accumulated at 1%-3% annually over life of contract (varies by state and issue date). See State Approval Matrix for current |
Owner: 0-85 Designated Annuitant: 40-75 Minimum: $50,000 Maximum: $200,000 |
8.00% 0 - 80 4.00% |
Product is distributed by Legacy Marketing Group®: www.legacynet.com. Individual Policy Form Nos: IIC-PMYGA-1107, IIC-MYR-1107, IIC-AVDB-1107, IIC-EWD-1107, IIC-CS-PMYGA-1107.CertificateNos: IIC-CMYGA-1107, IIC-CS-CMYGA-1107. EnhancedCareRider® Policy Form Nos: IIC-ECR-0508, IIC-ECRB-0508. Enhanced Care Rider® is not long-term care insurance. The rider has limitations, is optional, and has an additional cost. Withdrawals over any surrender charge-free amount are subject to surrender charges and a market value adjustment. Withdrawals may be subject to income tax, and a federal income tax penalty may apply to withdrawals taken before age 59½. Available only to individual U.S. residents and on traditional IRA, RothIRA, and nonqualifed contracts. State restrictions may vary. See contract for details. Less prior withdrawals and any associated surrender charges, market value adjustments, and deductions. |
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A.M. Best A- S&P BBB+ (02/10) Premier Eagle 10 10.00% Bonus on All Premiums added in years 1-5. Immediately Vested Premium Bonus. |
13.40% Guaranteed First Year Yield! 3.10% Current Fixed Value Rate Plus 10.0% Bonus (Assumes no withdrawals) The Current Fixed Rate 3.10% |
10.00% of Contract Value Annually, Starting Year 2. Systematic W/D & RMD mmediately from Fixed. |
Surrender Charge: 20, 19.5, 19, 18.5, 18, 17.5, 17, 16, 15, 14, 12, 10, 7.5, 5, 2.5, 0% (15 yrs.) NO MVA |
MGIR is set at issue, guaranteed for life of the contract and is currently 2.00% |
Maximum issue age 80 for Q or NQ.
Min: $5,000 NQ or Q Renewal $500 Annual or $50/Mo EFT Max without Home Office Approval: 0-69: $1,000,000 70-74: $750,000 75-80: $500,000 |
Call For Details |
Full Contract Value at Death: The contract's accumulation value, including both vested and unvested premium bonus, is available as a lump sum. 100% Nursing Care & 100% Terminal Illness Waiver of Surrender Charges Lifetime Income Benefit Rider: Choice of an 5.00% annual accumulation option at no initial cost or 8.00% annual accumulation option with a 45 bps annual fee. (30 bps for the Eagle 10 & 12) Income available as early as year 2 and age 50. |
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For agent use only - not for use with the public. Product availability and features may vary by state.All information is believed to be from reliable sources and accurate however please call us for details on anything you're interested in as this information is only summary and we are not liable for any errors, omissions, changes that occur. Commission rates listed above apply to most states however state variations do exist that effect commission rates and age breaks. Refer to your contract and commission schedule(s)/addendum(s) for complete details. Call us for complete details. |
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| Carrier & Product | Current Rates (subject to change) |
Withdrawal Provision |
Surrender Charge |
Minimum Guarantee |
Issue Age |
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American National A (Superior) A.M. Best AA S&P (02/10)  Palladium® MYG Annuity Add 10bps to rates to the right for $100,000 initial premiums or more. After the initial Guaranteed Period, the interest rate is determined based on the current market conditions, but will never be less than 1.5%. Policy Form MGA10NQ,PQ; GA10NQC,PQC |
3-Year 2.00% Guaranteed 1-3 yrs 4-Year 2.15% Guaranteed 1-4 yrs 5-Year 2.70% Guaranteed 5yr Effective Rate 3.50% 1st Yr Rate 2.50% Guar. 2-5 Yrs. 6-Year 3.25% Guaranteed 1-6 yrs 7-Year 3.35% Guaranteed 7yr Effective Rate 3.49% 1st Yr Rate 4.35% Guar. 2-7 Yrs. 8-Year 3.70% Guaranteed 1-8 yrs 9-Year 3.20% Guaranteed 9yr Effective Rate 3.42% 1st Yr Rate 5.20% Guar. 2-9 Yrs. 10-Year 3.35% Guaranteed 10-year Effective Rate 3.65% 1st Yr Rate 4.45% Guar. 2-10 Yrs. |
First Year Interest only. Then Up to 10.00% of beginning of year Annuity Value starting in the 2nd contract yr |
(8, 8, 8, 7, 6, 5, 4, 3, 2, 1%) + or - MVA or excess interest deduction 30-day window at end of guarantee period when owner may surrender free of any surrender charge, market value adjustment or excess interest deduction in some states where MVA does not apply. Surrender Matches Guarantee Period! |
1.50%, 3.00% Flat Rate or Floating Min rate 2.00% currently. This rate will vary between 1% & 3% but will be set at issue and fixed for the life of the contract. Minimum appies after initial guarantee to the left. |
0-85 (Q & NQ) |
0 - 79 3-Year 1.50% 4-Year 2.00% 5-Year 4.00% 6-Year 2.50% 7-Year 2.50% 8-Year 2.50% 9-Year 3.00% 10-Year 4.00% |
Full Account Value at Death
Plus MVA but Only if Positive NURSING HOME CONFINEMENT RIDER and Disablity Waiver Ages 80 - 85
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 Phoenix Life Insurance Company (02/10) Phoenix Select Plus® 4, 5, 7, 10 Years |
4 year 1.85% 5 year 2.45% 7 year 3.45% 10 year 4.05% |
Annual free withdrawals up to 10% are allowed without a surrender charge or market value adjustment (MVA) applied. Withdrawals in excess of the annual free amount taken prior to the end of the guarantee period may be subject to an MVA, which may be positive or negative. Withdrawals of income will be subject to tax and, if prior to age 59 1/2, may be subject to a 10% IRS penalty. Withdrawals in excess of the free amount may be subject to a declining surrender charge. |
8 YEAR (9% 8% 7% 6% 5% 4% 3% 2% 0%) |
Minimum guaranteed interest rate we will credit is set each January 1st and will apply to new contracts issued and renewals occurring in the calendar year and will never be less than 1%. |
0 - 90 (Q & NQ) |
4 year 2.00% 0 - 80 1.00% 81-90 5 year 3.90% 0 - 80 1.95% 81-90 7 year 4.10% 0 - 80 2.05% 81-90 10 year 4.20% 0 - 80 2.10% 81-90 |
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 Presidential Life Insurance Company (02/10) Secure 6® 6 year rate guarantee with no MVA! ASSETS: $3.79 Billion (statutory) $3.72 Billion (GAAP) A.M. BEST RATING: B+ (Good) S&P RATING: BB+ FITCH RATING: Aq (Strong) MOODYS RATING: Ba1 (Positive Outlook) |
2.90% GUARANTEED Years 1-6 (No deposits accepted for premiums under $5,000) |
10.00% Surrender Charge-Free Yearly Withdrawal Available Beginning Year 1! |
6 YEAR 7 ,7, 7, 6, 6, 4, 0% (NO MVA) |
3.00% |
0 - 90 (Q & NQ) |
0-80: 3.00% 81-85: 1.50% 86-90: 0.67% |
Full value at Death! | ||||||||||||||||||
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(02/10) Secure 5® |
3.00% GUARANTEED Years 1-5 (No deposits accepted for premiums under $5,000) |
10.00% Surrender Charge-Free Yearly Withdrawal Available Beginning Year 1! |
5 YEAR 7, 7, 6, 6, 4, 0% (NO MVA) |
3.00% |
0 - 90 (Q & NQ) |
0-80: 2.50% 81-85: 1.25% 86-90: 0.67% |
Full value at Death! | ||||||||||||||||||
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(02/10) Secure 4® |
2.85% GUARANTEED Years 1-4 (No deposits accepted for premiums under $5,000) |
10.00% Surrender Charge-Free Yearly Withdrawal Available Beginning Year 1! |
4 YEAR 7, 6, 6, 5, 0% (NO MVA) |
3.00% |
0 - 90 (Q & NQ) |
0-80: 2.00% 81-85: 1.00% 86-90: 0.67% |
Full value at Death! | ||||||||||||||||||
 Liberty Bankers Life (02/10) Bankers 1® Over $807 Million in Assets as of 12/30/07 B- A.M. Best Founded in 1958! |
1.75% Guaranteed 1Yr |
100% All Accrued Interest twice per year Monthly Interest Only After 30 Days. |
1 Year: 5% No MVA. |
1.00% |
0 - 95 (Q & NQ) |
0 - 80 = 0.50% 1.00% 81 - 95 > 0.40% |
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B- A.M. Best (02/10) Bankers 3® |
2.75% Guaranteed 3Yr |
100% All Accrued Interest twice per year Monthly Interest Only After 30 Days. |
3 Yrs: 8, 7, 6% +/- MVA 1st 3 Yrs (No MVA-PA) |
1.00% |
0 - 95 (Q & NQ) |
0 - 80 = 2.00% 1.00% 81 - 95 |
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B- A.M. Best (02/10) Bankers 5® |
3.70% Guaranteed 5Yr |
100% All Accrued Interest twice per year Monthly Interest Only After 30 Days. |
5 Yrs: 8, 7, 6, 5, 4% +/- MVA 1st 5 Yrs (No MVA-PA) |
1.00% |
0 - 90 (Q & NQ) |
0 - 80 = 3.25% 1.50% 81 - 90 |
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B- A.M. Best (02/10) Bankers 5 Premier® |
4.00% Guaranteed 5Yr |
100% All Accrued Interest twice per year Monthly Interest Only After 30 Days. |
5 Yrs: 8, 7, 6, 5.5, 4.5% +/- MVA 1st 5 Yrs (No MVA-PA) |
1.00% |
0 - 90 (Q & NQ) |
0 - 80 = 2.00% 0.40% 81 - 90 |
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B- A.M. Best (02/10) Bankers 5 Premier Plus® |
5-Year 4.00% Guaranteed 5 yr Effective Rate 4.80% 1st Yr Rate 3.80% Guar. 2-5 Yrs. |
100% All Accrued Interest twice per year Monthly Interest Only After 30 Days. |
5 years 8.1, 7.3, 6.4, 5.5, 4.5% +/- MVA 1st 5 Yrs (No MVA-PA) |
1.00% |
0 - 90 (Q & NQ) |
0 - 80 = 2.00% 0.40% 81 - 90 |
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B- A.M. Best (02/10) Bankers 7® |
7-Year 4.05% Guaranteed |
100% All Accrued Interest twice per year Monthly Interest Only After 30 Days. |
7 Years Ages 56+: 8, 7, 6, 5, 4.5, 3.5, 2.5% Ages 0-55: 12, 11, 10, 8, 6, 5, 4% +/- MVA 1st 7 Yrs (No MVA-PA) |
1.00% |
0 - 85 (Q & NQ) |
0 - 80 = 4.00% 2.00% 81 - 85 |
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Lincoln Financial Group A.M. Best A (Superior) Standard & Poor's AA- (Very Strong) Moody's A2 (Good) (02/10)  Lincoln Classic® 5 and 7 (MYG) Single Premium Deferred Annuities |
Premiums > or = $100K 5-Year: 2.70% Net Effective Yield 7-Year: 3.17% Net Effective Yield Premiums <$100K 5-Year: 2.50% Net Effective Yield 7-Year: 3.03% Net Effective Yield |
10.00% of Accumulated Value Annually even the 1st yr! Systematic Withdrawals Available after 30 days! |
5 year: (9, 8, 7, 6, 5, 0%) 7 year: (9, 8, 7, 6, 5, 4, 3, 0%) + or - MVA |
1.00% (or such higher rate as may be in effect in your state on the day your policy is issued! The majority of states are 1.50%. |
0-85 NQ or Q |
5-Year 4.00% 0-75 2.75% 76-80 1.50% 81-85 7-Year 5.00% 0-75 3.50% 76-80 1.75% 81-85 |
Full Accumulation Death Benefit! | ||||||||||||||||||
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B+ (Good) A.M. Best A- (Strong) Standard & Poor's (02/10) Certainty SelectTM (Base Contract) Multi-Year Guarantee Annuity |
5-Yr: 2.50% 6-Yr: 2.60% 1st Yr 2.60% Guar. 2-6 Yrs. 8-Yr: 4.00% Guaranteed All Years 10-Yr: 4.15% |
Cumulative interest beginning immediately |
Certainty SelectTM (Base Contract) 3 Yr: (10 10 9%) 5 Yr: (10 10 9 9 8) 6 Yr: (10 10 9 9 8 8%) 8 Yr: (10 10 9 9 8 8 7 7%) 10 Yr: (10 10 9 9 8 8 7 7 6 5%) + or - MVA except in VT |
Minimum Guaranteed Contract Value 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate. |
0-90 (Q & NQ) |
5, 6, 8, 10-Yr 0-80 1.25% Year 1 1.75% Year 2 81-90 Year 1 0.9375% Year 2 1.3125% All 2nd Year Commissions are paid on Contract Accumulation Value |
Certainty SelectTM (SPDA) Death Benefit: Upon death of first Owner, Accumulation Value. | ||||||||||||||||||
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B+ (Good) A.M. Best A- (Strong) Standard & Poor's (02/10) Certainty SelectTM (With Optional Rider) and CertaintyTM (Original) Multi-Year Guarantee Annuities |
5-Year: 2.65% 6-Year: 3.65% 1st Yr 2.65% Guar. 2-6 Yrs. 8-Year: 4.25% Guaranteed All Years 10-Year: 4.40% |
Interest only 1st contract year, 10% of Account Value years 2+ |
Certainty SelectTM (With Optional Rider) and CertaintyTM (Original) 3yr: (9, 8.5, 8%) 5yr: (9, 8.5,8, 7.5, 6.5%) 6yr: (9, 8.5, 8, 7.5, 7, 6%) 8yr: (9, 8.5, 8, 7.5, 7, 6.5, 6, 5.5%) 10yr: (8.5, 8, 7.5, 7, 6.5, 6, 5, 5, 4.5%) |
Certainty SelectTM (With Optional Rider) Minimum Guaranteed Contract Value 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate. CertaintyTM (Original) 100% of premium minus withdrawals, ccumulated at the Minimum Guaranteed Contract Rate, less surrender charges. |
0-90 (Q & NQ) IN Only 0-89 (Q & NQ) |
5, 6, 8, 10-Yr 0-80 1.25% Yr 1 1.75% Yr 2 81-90 Yr 1 0.9375% Yr 2 1.3125% All 2nd Year Commissions are paid on Contract Accumulation Value |
Certainty SelectTM (With Optional Rider) and CertaintyTM (Original) Death Benefit: the choice of: Cash Surrender Value immediately or Accumulation Value applied to a Payment Option for at least a 5-year period.
Nursing Home Waiver |
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Allianz Life Insurance Company of North America A (Excellent) A.M. Best AA (Very Strong) Standard & Poor's (02/10) Dominator PLUS® Annuity Choice of 5-year guarantee period or 10-year guarantee period with 30 Day Surrender and MVA free Out option available within 30 days after selected guaranteed period is finished. |
$100K or more 5-Year: 2.60% 10-Year: 3.65% $25,000 - $99,999 5-Year: 2.50% 10-Year: 3.55% |
Beginning immediately, 10.00% of premium paid is available each contract year RMD Withdrawals Available. |
10-year (9.0%, 8.1%, 7.2%, 6.3%, 5.4%, 4.5%, 3.6%, 2.7%, 1.8%, 0.9%, 0%) An MVA will apply except during the 30-day window after each GIR period. The surrender charge percentage will decrease by 0.075% each month, until contract year 11 when the surrender charge will equal 0%. Surrender Matches Guarantee Period! |
Guaranteed Minimum Value 90% of premium, less withdrawals, credited at a minimum 3% Guaranteed minimum interest of 1.5% during deferral and 1% during payout. In CT, the guaranteed minimum interest rate is 3% during deferral. | 0-85 |
0 - 75 3.00% 76 - 80 2.00% 81 - 85 1.00% 10-yr 0 - 75 4.00% 76 - 80 3.00% 81 - 85 2.00% |
Death Benefit: Full accumulation value, minus loans and withdrawals, paid to the beneficiary in a lump sum or annuity payments Loans of up to 50% of the cash surrender value ($50,000 maximum) at a net 2% interest.
Nursing Home Benefit: After one year of deferral, should the owner enter a nursing home or hospital, or any combination of the two, for 30 out of 35 consecutive days. The owner can take the Accumulation Value over a period of time anywhere from 5 to 9 years (there is no cost to this benefit). Available in most states. Flexible Withdrawal Benefit Rider: Allows you a one time lump sum payment in any amount up to the contract's accumulation value should you, anytime after the first contract year, become confined to an eligible nursing home, assisted living facility or hospital for 30 of 35 consecutive days. It must be chosen at the time of application and there is an additional cost for this rider. Available in most states |
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A (Excellent) A.M. Best AA (Very Strong) Standard & Poor's (02/10) Dominator SelectSM Annuity Choice of 1, 2, 3-yr Guaranteed Interest Rate (GIR) 3 Year Surrender Charge with 30 Day Surrender and MVA free Out option available within 30 days after selected guaranteed period is finished. |
$100K or more 1-Year: 1.60% 2-Year: 1.65% 3-Year: 1.70% $25,000 - $99,999 1-Year: 1.50% 2-Year: 1.55% 3-Year: 1.60% |
Beginning immediately, 10.00% of premium paid is available each contract year RMD Withdrawals Available |
3-year (6%, 5%, 4%,0) An MVA will apply except during the 30-day window after each GIR period . The surrender charge percentage will decrease by 1% each year, until contract year 4 when the surrender charge will equal 0%. Surrender Matches Guarantee Period! |
Guaranteed Minimum Value 90% of premium, less withdrawals, credited at a minimum 3% Guaranteed minimum interest of 1.5% during deferral and 1% during payout | 0-85 |
1-yr 0.25% 2-yr 0.50% 3-yr 1.25% |
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American General Life Insurance Company A (Excellent) A.M. Best AA- (Very Strong) Fitch A+ (Strong) S&P Aa (Excellent) Moody's (02/10) HorizonChoice® Contract 03360 & 03360N 7 Year with 5, 7, 8, 9 or 10 Year Term |
5-Year: 2.60% Guaranteed 1-5 years 7-Year: 3.05% Guaranteed 1-7 years 8-Year: 3.50% Guaranteed 1-8 years 9-Year: 4.10% Guaranteed 1-9 years 10-Year: 3.70% Guaranteed 1-10 years |
10.00% free w/d each year Free systematic withdrawal of interest after 30 days |
7 Years (7, 6, 5, 4, 3, 2, 1) 30-day free withdrawal window after MVA term MYG rate equal to term selected Return pf Premium less prior partial withdrawals is guaranteed on full withdrawal |
2% Guaranteed credited interest rate on annuity value. Minimum Guaranteed withdrawal amount is 90% of premium minus withdrawals, accumulated at 2.00% |
0-85 NQ 0-70 Q |
All Approved States Except: IN & ID 5-Year: 2.40% 0-85 7-Year: 4.50% 0-85 8-Year: 3.50% 0-85 9-Year: 2.65% 0-85 10-Year: 5.00% 0-85 |
Full value at Death! Plus 100% Extended Care Rider Waiver of Surrender Charges! Only in IN & ID 5-Year: 2.15% 0-85 7-Year: 4.25% 0-85 8-Year: 3.25% 0-85 9-Year: 2.30% 0-85 |
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A (Excellent) A.M. Best AA- (Very Strong) Fitch A+ (Strong) S&P Aa (Excellent) Moody's (02/10) HorizonSelectSM Contract 05377 SPDA 5yr, 7yr or 10yr MYGA Annuity |
1-5 Years: 2.85% 1-7 Years: 3.45% 1-10 Years: 3.75% |
10.00% free w/d each year including the first yr. Systematic Withdrawals |
10 Years (10, 9, 8, 7, 6, 5, 4, 3, 2, 1) Full Surrender allowed at end of chosen term for any term less than 10 years (5 or 7 years) without withdrawal charges or MVA MYG rate equal to term selected. |
Minimum Guaranteed Contract Value 90% of premium minus withdrawals, accumulated at 3.00% |
0-85 (Q & NQ) |
4.00% 0-80 3.00% 81-85 |
Full value at Death! NO Commission Chargebacks at Death! Plus 100% Extended Care Rider Waiver of Surrender Charges! |
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RBC Insurance® (02/10) RBC 7 MYG® (SPDA with additional premium deposits allowed in 1st 12 months) AN3015 |
7-Year: 2.94% Guaranteed Effective Rate 3.80% 1st Yr 2.50% Guar. 2-7 Yrs |
10% Free Withdrawals after 1st Yr Systematic withdrawals are available after the 1st year. |
7 Years (7, 7, 7, 6, 5, 4, 3) + or - MVA |
The minimum guaranteed interest rate for renewals years 8+ will be at least 1%. |
0-80 Q 0-85 NQ |
3.00% 0-75 1.75% 76-80 1.00% 81-85 |
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A (Excellent) A.M. Best A+ (Strong) Fitch (02/10) RBC 3+3 MYG (SPDA) - AN3004&AN3005 |
MVA Version 6-Year: 3.00% Guaranteed. 1-6 Yrs. NON-MVA Version 6-Year: 3.00% Guaranteed. 1-6 Yrs. |
10% Free Withdrawals after 1st Yr Systematic withdrawals are available after the 1st year. |
6 Years (7, 7, 7, 6, 4, 2) + or - MVA |
This rate may be higher or lower than the initial guaranteed interest rate, but it will always be at least 3.00%. |
0-80 Q 0-85 NQ |
2.00% 0-75 1.25% 76-80 0.50% 81-85 |
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Investors Insurance Corporation Wilmington, DE A.M. Best A - (Excellent) Standard & Poor's A (Strong) (02/10) Products are distributed by Legacy Marketing Group  RateMark® Multiple-year guaranteed flexible premium deferred fixed annuity. 1, 3, 5, 7, & 10-Year terms Renewal Options at end of term:
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Guaranteed Term Crediting Rate Strategies 1 Year 3.75% 3 Year 2.50% 5 Year 2.85% 7 Year 3.10% 10 Year 3.20% Rate Reductions For Optional Riders Enhanced Withdrawal Rider (10% surrender charge-free withdrawals in addition to MRD each year). Rider cost: -0.30% current reduction in interest rate. Annuity Value Death Benefit Rider (full annuity value at death). Rider cost: -0.30% current reduction in interest rate. No surrender charges or MVA on withdrawals within 30 days of end of 3, 5, or 7 year term. (MVA may apply in some states.) If the client anticipates using the surrender chargefree window available on the RateMark® 3-, 5-, and 7-year guaranteed terms, the Enhanced Care Rider® is not an appropriate option. |
With Enhanced Withdrawal Rider: 10% of annuity value after 30 days. With or without rider: Minimum required distributions. Substantially equal periodic payments. Confinement Waiver. |
10-year declining, +/-MVA. Based on attained age on date premium is received: Ages 0-75: 12, 12, 12, 11, 10, 9, 8, 6, 3, 1% Ages 76-80: 11.50, 10.50, 9.50, 8.50, 7.50, 6, 5, 4, 3, 1% Ages 81+: 11,10, 9, 8, 7, 6, 5, 4, 3, 1% |
1.05% for all Guaranteed Term Strategies. Standard Nonforfeiture Minimum Interest Rate: 1.00% Contract Guarantee: 87.5% of premiums accumulated at 1%-3% annually over life of contract (varies by state and issue date). See State Approval Matrix for current |
0-80 Q 0-85 |
1 & 3 Year 0-80 2.25% 81-85 1.13% 5 Year 3.00% 0-80 81- 85 1.50% 7 and 10-Year 4.00% 0 - 80 2.00% 81 - 85 |
Death Benefit: With the Annuity Value Death Benefit Rider = greater of annuity value or
surrender value. Without the Annuity Value Death Benefit Rider = surrender value.
No chargebacks of annuity commissions after the Free look period! Product is distributed by Legacy Marketing Group®: www.legacynet.com. Individual Policy Form Nos: IIC-PMYGA-1107, IIC-MYR-1107, IIC-AVDB-1107, IIC-EWD-1107, IIC-CS-PMYGA-1107.CertificateNos: IIC-CMYGA-1107, IIC-CS-CMYGA-1107. EnhancedCareRider® Policy Form Nos: IIC-ECR-0508, IIC-ECRB-0508. Enhanced Care Rider® is not long-term care insurance. The rider has limitations, is optional, and has an additional cost. Withdrawals over any surrender charge-free amount are subject to surrender charges and a market value adjustment. Withdrawals may be subject to income tax, and a federal income tax penalty may apply to withdrawals taken before age 59½. Available only to individual U.S. residents and on traditional IRA, RothIRA, and nonqualifed contracts. State restrictions may vary. See contract for details. Less prior withdrawals and any associated surrender charges, market value adjustments, and deductions. |
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A.M. Best A- S&P BBB+ (02/10) Guarantee Series SPDA MYGA-MVA |
5 Year MYG 3.65% Years 1-5 Not Available In: AL, CA, DE, MN, MO, NY, PA, WA |
Interest Only. Systematic W/D & RMD Immediately. |
5 Years 9, 8, 7, 6, 5% |
MGIR is set at issue, guaranteed for life of the contract and is currently 2.00% |
Maximum issue age 80 for Q or NQ.
10,000 Qual 10,000 Non-Qual |
0 - 75 3.00% 76-80 2.00% |
No Surrender charge at death. | ||||||||||||||||||
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A.M. Best A- S&P BBB+ (02/10) Guarantee Series SPDA MYGA No MVA |
5 Year MYG 3.15% Years 1-5 Not Available In: CA, DE, MN, PA, WA |
Interest Only. Systematic W/D & RMD Immediately. |
5 Years 9, 8, 7, 6, 5% |
MGIR is set at issue, guaranteed for life of the contract and is currently 2.00% |
Maximum issue age 80 for Q or NQ.
10,000 Qual 10,000 Non-Qual |
0 - 75 2.50% 76-80 1.50% |
No Surrender charge at death. | ||||||||||||||||||
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Founded in 1926! $374 Million in assets B+ A.M. Best (02/10) Choice 4 4 year rate guarantee with No MVA! |
3.30% GUARANTEED Years 1-4 |
100% of All Cumulative Interest. Interest Only After 30 Days. |
4 Year 8, 7, 6, 5, 0% Surrender penalties apply to principal only! (NO MVA) |
0-100 (Q & NQ) |
0-80: 1.75% Ages 81+: 0.875% Plus annual trail commissions of 0.20% after the 4th policy year for 4 Year Choice. |
Full Value at Death! NO commission chargeback! Optional 1X5 Annuitization! |
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 Old Mutual Financial (02/10) Guarantee Series |
2.50% Platinum 3 GTD Yrs 1-3 3.50% Platinum 5 GTD Yrs 1-5 4.15% Platinum 5 GTD Yrs 1-5 3.15% Platinum Plus 3 GTD Yr 1 2.15% GTD Yrs 2-3 (2.48% Eff. Yld.) 4.30% Platinum Plus 5 GTD Yr 1 3.30% GTD Yrs 2-5 (3.50% Eff. Yld.) 5.00% Platinum Plus 7 GTD Yr 1 4.00% GTD Yrs 2-7 (4.14% Eff. Yld.) |
Interest only withdrawals. |
3, 5, 7 (9%, 8%, 7%, 6%, 5%, 4%, 3%) (+ or – MVA – varies by state) |
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GP-3 GPP-3 0-79 1.50% 80-90 0.75% GP-5 GPP-5 0-79 2.50% 80-90 1.25% GP-7 GPP-7 0-79 3.25% 80-90 1.625% |
Full Value at Death! NO commission chargeback! Optional 1X5 Annuitization! |
Visit us on the Web: www.annuity1.com ♦ Or Email: info@annuity1.com
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CHECK FOR PRODUCT STATE AVAILABILITY. THIS PIECE IS FOR PRODUCER USE ONLY. NOT FOR PUBLIC USE. All information is believed to be from reliable sources and accurate however please call us for details on anything you're interested in as this information is only summary and we are not liable for any errors, omissions, changes that occur, and home office materials always supersede the information contained on this and all other pages. FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC. |