SPIA Products

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State

Premium

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Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified
Featured Products
Let dmi quote Symetra for your next SPIA case- with their unique "Advance Access" feature- Call dmi today for competitive SPIA quotes!
Symetra Life Insurance Company Advantage Income	A	95	95	10,000	10,000

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
American General Life Insurance Company Platinum Income	A	0	0	0	0
American National Insurance Company Palladium	A+	90	90	15,000	3,500	0-84: 3.00 85-90: 1.50
EquiTrust Life Insurance Company Confidence Income	A-	90	90	10,000	10,000	0-90: 3.00
ING USA Annuity and Life ING SPIA	A+	80	80	15,000	15,000	0-95: 3.00
Integrity Life Insurance Income Source	A++	95	95	10,000	10,000	0-95: 3.75
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
National Integrity Life Insurance Income Source	A++	95	95	10,000	10,000	0-95: 3.75
North American Company NA Income	A+	85	85	10,000	2,000	0-85: 3.00
OM Financial Life Insurance Company Guaranty Income	A	89	89	10,000	10,000	0-89: 3.00 90-94: 2.75
OM Financial Life Insurance Company Senior Safeguard Option - Medicaid	A	95	95	5,000	5,000
RBC Insurance RBC SPIA	A			5,000	5,000

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.

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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

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