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State

Premium Qual

Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Surrender Charges Last 0 Years
American National Insurance Company Palladium	A+	90	90	15,000	3,500	0-84: 3.00 85-90: 1.50
ING USA Annuity and Life ING SPIA	A+	80	80	15,000	15,000	0-95: 3.00
United of Omaha IRAdvantage Wealth Manager	A+	85	85	5,000	5,000	50-85: 5.00
North American Company NA Income	A+	85	85	10,000	2,000	0-85: 3.00
Presidential Life Single Premium Immediate Income	B+	0	0	2,000	2,000
Presidential Life Single Premium Immediate Annuity	B+	0	0	2,000	2,000
American General Life Insurance Company Platinum Income	A	0	0	0	0
National Western Life SPIA	A-	0	0	0	0
Surrender Charges Last Years
Lincoln Financial Group Lincoln Insured Income SPIA	A+	85	85	25,000	25,000	15-95: 3.00
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+	85	85	50,000	50,000
Protective Life Corporation ProPayer Income Annuity NY	A+	85	85	10,000	10,000
RBC Insurance RBC SPIA	A			5,000	5,000
West Coast Life SPIA	A+	99	99	10,000	10,000
Genworth Life Insurance Company SecureLivingSM Income Provider	A+	95	95	5,000	5,000	0-95: 3.00
Genworth Life of New York SecureLivingSM Income Provider NY	A+	95	95	5,000	5,000	0-95: 3.00
Protective Life Corporation ProPayer Income Annuity	A+	99	99	10,000	10,000
The Standard Tailored Income Annuity	A	90	90	15,000	15,000	0-UP: 3.00
The Standard Single Premium Immediate Annuity	A	90	90	5,000	5,000	0-UP: 3.00

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"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

For use by licensed insurance agents/brokers only - not authorized for use by the public.