Agent Support Group
A Member of Lifemark Partners

Fixed Annuity Detail Sheet

Agent Support Annuity Desk
www.ASGLife.com
(212) 292-7934
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age

Showing 1-30 of 136    Display: Print/Save |<  <<   Page 1 of 5   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States
Surrender Charges Last 10 Years

American General Life Insurance Company

AG HorizonMYG (CA)
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA
Withdrawal Notes: No Premium Bonus
For states CA (10 years): 10 9 8 7 6 5 4 3 2 1
For states OH (9 years): 9 8 7 6 5 4 3 2 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 6 2.00 2.39 2.39

American National Insurance Company

Palladium Century 7
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 8.55 1.00 2.23 1.73

Aviva Life & Annuity (MultiChoice Series)

Freedom Plus (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Not
Available in:

CT DE MN NJ NV NY OR PA PR WA
Withdrawal Notes: Prem Bonus: 2.00-5.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, UT, VA, VI, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states TX (10 years): 12.1 11 9.8 8.6 7.4 6.2 5 3.8 2.5 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.55 1.00 2.05 1.55

American National Insurance Company

Palladium Century 5
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 6.55 1.00 2.04 1.54

Aviva Life & Annuity (Income Series)

Income Select Spirit Bonus (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT WA
Withdrawal Notes: Premium Bonus: 4.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.2 8.9 7.6 6.2 5.2 4.5 3.8 3.1 2.4 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.6 1.00 2.00 1.46

Aviva Life & Annuity (MultiChoice Series)

Freedom Xtra (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NV NY OR PA PR UT WA
Withdrawal Notes: Premium Bonus: 4.00
For states AL, AR, AZ, CA, CO, 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, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 5
For states TX (10 years): 10.2 8.9 7.6 6.2 5.2 4.5 3.8 3.1 2.4 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.6 1.00 2.00 1.46

American National Insurance Company

Palladium Century 3
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
11 10 9 8 7 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 4.55 1.00 1.85 1.35

Minnesota Life

SecureOption Extra - 3 Year
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 9 8 7 6 5 4 3 2 1
Rate Changed: 01/28/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 2% 3.6 1.60 1.80 1.73

Aviva Life & Annuity (Income Series)

Income Select Spirit Plus

High-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

CT DE MN NJ NY OR PA PR VI WA
Withdrawal Notes: Premium Bonus: 2.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 12.1 11 9.8 8.6 7.4 6.2 5 3.8 2.5 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.55 1.00 1.75 1.26

Aviva Life & Annuity (Income Series)

Income Select Spirit Plus S

High-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

CT DE MN OR WA
Withdrawal Notes: Prem Bonus: 2.00-5.00
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.25 1.00 1.75 1.52

Aviva Life & Annuity (MultiChoice Series)

Freedom Plus (1-Year) S

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Only
Available in:

CT DE MN OR PA WA
Withdrawal Notes: Prem Bonus: 2.00-5.00
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.25 1.00 1.75 1.52

American General Life Insurance Company

AG HorizonMYG
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA NJ NY PR UT VI
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, OR, PA, RI, SD, TN, TX, VA, VT, WA, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
For states DE, NV, OH (9 years): 9 8 7 6 5 4 3 2 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 90% of Premium at 1.00% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 5.35 1.35 1.74 1.60

American National Insurance Company

Palladium Century 1
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 2.55 1.00 1.65 1.15

Minnesota Life

SecureOption Flex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 9 8 7 6 5 4 3 2 1
Rate Changed: 01/28/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.5 1.50 1.50 1.50

Aviva Life & Annuity (Income Series)

Income Select Spirit Plus S

Low-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

CT DE MN OR WA
Withdrawal Notes: Prem Bonus: 2.00-5.00
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.49 1.49

Aviva Life & Annuity (MultiChoice Series)

Freedom Plus (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Not
Available in:

CT DE MN NJ NV NY OR PA PR WA
Withdrawal Notes: Prem Bonus: 2.00-5.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, UT, VA, VI, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states TX (10 years): 12.1 11 9.8 8.6 7.4 6.2 5 3.8 2.5 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.49 1.49

Aviva Life & Annuity (MultiChoice Series)

Freedom Plus (1-Year) S

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Only
Available in:

CT DE MN OR PA WA
Withdrawal Notes: Prem Bonus: 2.00-5.00
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.49 1.49

Aviva Life & Annuity (Income Series)

Income Select Spirit Bonus (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT WA
Withdrawal Notes: Premium Bonus: 4.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.2 8.9 7.6 6.2 5.2 4.5 3.8 3.1 2.4 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.40 1.40

Aviva Life & Annuity (MultiChoice Series)

Freedom Xtra (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NV NY OR PA PR UT WA
Withdrawal Notes: Premium Bonus: 4.00
For states AL, AR, AZ, CA, CO, 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, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 5
For states TX (10 years): 10.2 8.9 7.6 6.2 5.2 4.5 3.8 3.1 2.4 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.40 1.40

Aviva Life & Annuity (Income Series)

Income Select Spirit Plus

Low-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

CT DE MN NJ NY OR PA PR VI WA
Withdrawal Notes: Premium Bonus: 2.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 12.1 11 9.8 8.6 7.4 6.2 5 3.8 2.5 1.2
Rate Changed: 01/06/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.20 1.20
Surrender Charges Last 9 Years

EquiTrust Life Insurance Company

ChoiceFour (MVA Option)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:30,000
Monthly:30,000
Qualified
Single:30,000
Monthly:30,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA
Withdrawal Notes: Premium Bonus: 1.50
For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, WI, WV, WY (9 years): 12 11 10 9 8 7 6 4 2
For states FL (9 years): 10 10 10 9 8 7 6 4 2
For states NV (9 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5
Rate Changed: 10/24/11
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 2.67 2.22

American General Life Insurance Company

AG HorizonPlus (CA)
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 8 2.00 2.65 2.65

EquiTrust Life Insurance Company

ChoiceFour (Base Contract)
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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, WI, WV, WY (9 years): 12 11 10 9 8 7 6 4 2
For states FL (9 years): 10 10 10 9 8 7 6 4 2
For states NV (6 years): 9 8 7 6.5 5.5 4.5
Rate Changed: 10/24/11
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 2.50 2.06

American General Life Insurance Company

AG HorizonPlus
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA MN MO NJ NY OH OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 90% of Premium at 1.00% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 7.25 1.25 1.90 1.82

Presidential Life

FPDA, No Load Flex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:120
Monthly:120
Qualified
Single:120
Monthly:120
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 

Not
Available in:

NH OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 08/24/11
Guaranteed Minimum Value: 100% of Premium at 1.10% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.65 1.10 1.65 1.16
Surrender Charges Last 8 Years

American General Life Insurance Company

AG HorizonFlex (CA)
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA
Withdrawal Notes: No Premium Bonus
For states CA (8 years): 8 8 8 7 6 5 3 1
For states OH (8 years): 8 7 6 6 5 4 3 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 4 2.00 2.25 2.25

American General Life Insurance Company

AG HorizonFlex
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA NY PR UT VI
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY (8 years): 8 8 8 7 6 5 3 1
For states NV, OH (8 years): 8 7 6 6 5 4 3 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 3.6 1.50 1.85 1.76

United States Life Insurance Co. (NY)

AG HorizonFlex
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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
8 7 6 6 5 4 3 1
Rate Changed: 01/30/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : 02/06/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 3.6 1.50 1.85 1.76
Surrender Charges Last 7 Years

Integrity Life Insurance

New Momentum QIO
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

ME NH NY OR PR VI VT WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 7 6 5 4 3 2
Rate Changed: 12/31/11
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 4 1.00 4.00 1.42

Integrity Life Insurance

SPDA Series II 1
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:3,000
Monthly:3,000
Qualified
Single:3,000
Monthly:3,000
No- Disability  Yes-Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

ME NH NY PR VI VT
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3 0
Rate Changed: 12/31/11
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.7 1.00 2.70 1.24
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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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