Agent Support Group
A Member of Lifemark Partners

MYGA Detail Sheet

Agent Support Annuity Desk
www.ASGLife.com
(212) 697-2025 X313
 
 
 
State
Premium
Qual
Rating
Company
Rate Gtd
Age


Showing 1-30 of 236    Display: Print/Save |<  <<   Page 1 of 8   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States
Surrender Charges Last 15 Years

Protective Life Corporation

ProSaver Platinum 15

High-Band

Non-Qualified
Owner:92
Annuitant:95
Qualified
Owner:92
Annuitant:95
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MD NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 15 years:
6 6 5 4 3 2 1 0 0 0 0 0 0 0 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-15
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
15 Year MYGA 15 Years none 4.35 2.00 4.35 4.35

Protective Life Corporation

ProSaver Platinum 15

Low-Band

Non-Qualified
Owner:92
Annuitant:95
Qualified
Owner:92
Annuitant:95
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MD NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 15 years:
6 6 5 4 3 2 1 0 0 0 0 0 0 0 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-15
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
15 Year MYGA 15 Years none 4.1 2.00 4.10 4.10
Surrender Charges Last 10 Years

John Hancock

JH Signature Fixed Annuity

High-Band

Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: Rate Changed: 03/02/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 4.25 1.50 4.25 4.25

Protective Life Corporation

ProSaver Platinum 10

High-Band

Non-Qualified
Owner:92
Annuitant:95
Qualified
Owner:92
Annuitant:95
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MD NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
6 6 5 4 3 2 1 0 0 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 4.2 2.00 4.20 4.20

John Hancock

JH Signature Fixed Annuity

Mid-Band

Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: Rate Changed: 03/02/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 4.1 1.50 4.10 4.10

John Hancock

JH Signature Fixed Annuity

Low-Band

Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: Rate Changed: 03/02/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 4 1.50 4.00 4.00

Protective Life Corporation

ProSaver Platinum 10

Low-Band

Non-Qualified
Owner:92
Annuitant:95
Qualified
Owner:92
Annuitant:95
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MD NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
6 6 5 4 3 2 1 0 0 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.95 2.00 3.95 3.95

Protective Life Corporation

FutureSaver II Annuity 10

High-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

DE MN NY PR VI VT
Withdrawal Notes: Premium Bonus: 1.00
For states AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, WY (10 years): 8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0
For states AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.75 1.50 3.85 3.85

West Coast Life

Sure Advantage 10

High-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

DE MN NY PR VI VT
Withdrawal Notes: Premium Bonus: 1.00
Withdrawal Charges 10 years:
8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.75 1.50 3.85 3.85

American National Insurance Company

Palladium MYG Annuity 8

High-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-8
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 3.8 1.50-2.00 3.80 3.80

ING USA Annuity and Life

Guaranteed Choice 10

High-Band

Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 12/10/09
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : 03/17/10
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 10
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 4.7 3.70 3.80 3.80

American General Life Insurance Company

AG HorizonSelect 10
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/08/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.75 2.00 3.75 3.75

American National Insurance Company

Palladium MYG Annuity 10

High-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 10
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 4.65 3.65 3.75 3.75

Protective Life Corporation

FutureSaver II Annuity 10

Low-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

DE MN NY PR VI VT
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: 8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.75 1.50 3.75 3.75

West Coast Life

Sure Advantage 10

Low-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

DE MN NY PR VI VT
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0
Rate Changed: 03/09/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.75 1.50 3.75 3.75

American National Insurance Company

Palladium MYG Annuity 8

Low-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-8
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 3.7 1.50-2.00 3.70 3.70

ING USA Annuity and Life

Guaranteed Choice 10

Low-Band

Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 12/10/09
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : 03/17/10
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.7 1.50 3.70 3.70

Integrity Life Insurance

Momentum Advantage 10
Non-Qualified
Owner:83
Annuitant:83
Qualified
Owner:83
Annuitant:83
Non-Qualified
Single:20,000
Monthly:20,000
Qualified
Single:20,000
Monthly:20,000
No- Disability  Yes-Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK ME NH NY PR SC UT VI VT WA
Withdrawal Notes: No Premium Bonus
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, TX, VA, WI, WV, WY (10 years): 8 8 7 7 6 6 5 5 4 4
For states CT (10 years): 8 8 7 7 6 5 4 3 2 1
Rate Changed: 02/28/10
Guaranteed Minimum Value: 100% of Premium at 2.00-3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 10
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 0.75% 4.35 3.60 3.67 3.67

Allianz Life

Dominator Plus 10

High-Band

Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
Yes-Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
Yes-Death Benefit Rider  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY OR PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9
Rate Changed: 03/02/10
Guaranteed Minimum Value: 90% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.65 3.00 3.65 3.65

American National Insurance Company

Palladium MYG Annuity 10

Low-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 10
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 4.55 3.55 3.65 3.65

Lincoln Financial Group

Lincoln MYGuaranteesm Plus 10

High-Band

Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CA IL MN MO NV OR PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 6 5 4 3 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.70% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.65 1.70 3.65 3.65

American National Insurance Company

Palladium MYG Annuity 7

High-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 7
Yield to SurrenderTM
Current Guarant'd
7 Year MYGA with Bonus 7 Years 1% 4.45 3.45 3.59 3.59

Allianz Life

Dominator Plus 10

Mid-Band

Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
Yes-Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
Yes-Death Benefit Rider  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY OR PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9
Rate Changed: 03/02/10
Guaranteed Minimum Value: 90% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.55 3.00 3.55 3.55

American National Insurance Company

Palladium MYG Annuity 9

High-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 9
Yield to SurrenderTM
Current Guarant'd
9 Year MYGA with Bonus 9 Years 2% 5.3 3.30 3.52 3.52

Lincoln Financial Group

Lincoln MYGuaranteesm Plus 10

Low-Band

Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CA IL MN MO NV OR PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 6 5 4 3 2
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.70% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-10
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.5 1.70 3.50 3.50

OM Financial Life Insurance Company

OMGuarantee-Platinum 5
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
Yes-Disability  Yes-Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MN NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-5
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 3.5 1.00 3.50 3.50

OM Financial Life Insurance Company

OMGuarantee-Platinum 5

High-Band

Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
Yes-Disability  Yes-Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MN NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-5
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 3.5 1.00 3.50 3.50

American National Insurance Company

Palladium MYG Annuity 7

Low-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 7
Yield to SurrenderTM
Current Guarant'd
7 Year MYGA with Bonus 7 Years 1% 4.35 3.35 3.49 3.49

American General Life Insurance Company

AG HorizonSelect 7
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/08/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate Years
1-7
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
7 Year MYGA 7 Years none 3.45 2.00 3.45 3.45

American National Insurance Company

Palladium MYG Annuity 9

Low-Band

Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50-2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 9
Yield to SurrenderTM
Current Guarant'd
9 Year MYGA with Bonus 9 Years 2% 5.2 3.20 3.42 3.42
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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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