Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 15 Years
|
American Equity Investment Life Insurance Company
Premier Eagle 10 (FPDA-7-08)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT FL IN MN NV NY OR PA PR TX VI WA
|
0-75: 5.00+
76-80: 3.75+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-10.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, RI, SD, TN, VA, VT, WI, WV, WY (15 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16 |
15 |
14 |
12 |
10 |
7.5 |
5 |
2.5 |
|
Age 76+ in states AK, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, UT, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
9.5 |
8 |
6.5 |
5 |
2.5 |
|
|
|
|
|
|
For states AK, DE, SC, UT (9 years):
|
12 |
11 |
9.5 |
8.25 |
7 |
5.5 |
4.25 |
2.75 |
1.25 |
|
|
|
|
|
|
|
For states OK (15 years):
|
16.5 |
16 |
15.25 |
14.25 |
13.5 |
12.5 |
11.5 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
Rate Changed: 10/08/11
|
| 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 |
2
|
1.50
|
2.65
|
2.18
|
|
|
Surrender Charges Last 14 Years
|
North American Company
North American Flex III
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR TX UT VI WA
|
0-75: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states FL (14 years):
|
18 |
17 |
16 |
15 |
14 |
13 |
12 |
11 |
10 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
14 |
13 |
12 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| 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 |
1.85
|
1.00
|
2.55
|
1.75
|
|
|
Surrender Charges Last 12 Years
|
American Equity Investment Life Insurance Company
FPDA-10 (MVA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT FL MN NV NY OR PR TX UT VI
|
0-75: 6.00+
76-80: 4.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
|
For states AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WA, WI, WV, WY (12 years):
|
14 |
13 |
12.5 |
12 |
11.5 |
11 |
9.5 |
8 |
6.5 |
5 |
3.5 |
2 |
|
Age 78+ in states CA, IN, KY, MA, MD, MO, ND, OK, PA, SC, VA (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
|
Age 54+ in states IL, WA (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
|
Rate Changed: 10/08/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.25%
|
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 |
2.25
|
2.25
|
2.42
|
2.42
|
|
|
Surrender Charges Last 10 Years
|
American Equity Investment Life Insurance Company
Premier Eagle 12 (FRG-2-09)
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK AL CT DE IN MN NV NY OK OR PA PR SC TX UT VI WA
|
0-78: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
9.00
|
| Withdrawal Charges 10 years: |
|
12.5 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
Rate Changed: 10/08/11
|
| 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 |
1.6
|
1.00
|
2.48
|
1.93
|
|
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
|
0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
|
| 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: 02/06/12
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| 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
|
|
North American Company
North American Flex II
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | |
| Qualified |
| Owner: | 79 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR TX UT VI WA
|
0-75: 4.50+
76-79: 3.38+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states FL (10 years):
|
15 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
4 |
|
Rate Changed: 01/19/12
|
| 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 |
1.8
|
1.00
|
2.30
|
1.57
|
|
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
|
0-74: 5.00+
75-80: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
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
|
|
North American Company
Boomer Annuity
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE MN MS NY OR PA PR TX UT VI WA
|
0-80: 7.00+
81-80: 5.25+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (10 years):
|
14 |
13 |
12 |
11 |
10 |
9 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| 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 |
1.65
|
1.00
|
2.15
|
1.56
|
|
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
|
0-74: 6.00+
75-80: 3.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
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
|
|
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
|
0-74: 7.00+
75-UP: 4.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
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
|
|
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
|
0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
|
| 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: 02/06/12
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.00%
|
Next Change : TBD
|
| 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
|
0-74: 8.00+
75-90: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
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
|
|
|
Surrender Charges Last 9 Years
|
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
|
0-75: 6.00
76-80: 3.20
81-85: 1.35
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/06/12
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| 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
|
|
North American Company
North American Director
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 0 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 0 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR UT VI WA
|
0-80: 5.50+
81-85: 4.13+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states TX (9 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
3% |
4.8
|
1.80
|
2.13
|
1.77
|
|
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
|
0-75: 6.00
76-80: 3.20
81-85: 1.35
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/06/12
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.00%
|
Next Change : TBD
|
| 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
|
|
|
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
|
0-75: 5.00
76-80: 4.00
81-85: 3.00
|
| 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: 02/06/12
|
| 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
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
|
0-75: 5.00
76-80: 4.00
81-85: 3.00
|
| 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: 02/06/12
|
| 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
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
|
0-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
0-79: 4.00
80-85: 2.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
|
Reliance Standard Life
Apollo MVA
|
| 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 |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AL MD MN MT NY OR PR TX UT VI VT WA
|
0-75: 5.25
76-80: 4.20
81-85: 3.15
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IN, KS, LA, MA, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, WI, WV, WY (7 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
Ages 0 to 59 in states IA, IL, KY (7 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
Age 60+ in states IA, IL, KY (7 years):
|
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2 |
|
Rate Changed: 09/29/11
|
| 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
with Bonus
|
1 Year
|
1% |
2.8
|
1.00
|
1.94
|
1.26
|
|
Integrity Life Insurance
New Momentum 7
|
| 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
|
0-79: 5.00
80-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
Rate
Year 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
Fixed
with Bonus
|
7 Years
|
0.75% |
2.5
|
1.75
|
1.86
|
1.86
|
|
Genworth Life Insurance Company
SecureLiving SmartRate
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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| 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
|
1.75% |
3.3
|
1.00
|
1.80
|
1.33
|
|
Reliance Standard Life
Apollo SP
|
| 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 |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AL MT NY PR VI
|
0-75: 5.25
76-80: 4.20
81-85: 3.15
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (7 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
|
For states IA, IL, KY, NC, VT, WA (8 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
2 |
0 |
|
Age 60+ in states IA, IL, KY, NC, VT, WA (7 years):
|
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2 |
|
|
Rate Changed: 09/29/11
|
| 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
with Bonus
|
1 Year
|
1% |
2.65
|
1.00
|
1.79
|
1.23
|
|
Integrity Life Insurance
SPDA Series II 3
|
| 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
|
0-79: 4.00
80-85: 2.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
1% |
2.6
|
1.60
|
1.74
|
1.40
|
|
Genworth Life Insurance Company
SecureLiving SmartRate
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| 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:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| 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
|
1.69
|
1.22
|
|
American National Insurance Company
Citadel 7 Diamond
High-Band
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| 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:
NY VI
|
0-80: 3.50+
81-85: 2.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00-3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Years
2-2
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
2 Year
Fixed
with Bonus
|
2 Years
|
2% |
3.35
|
1.35
|
1.63
|
1.38
|
|
Genworth Life Insurance Company
SecureLiving SmartRate
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| 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:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| 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
|
0.25% |
1.8
|
1.00
|
1.59
|
1.11
|
|
Integrity Life Insurance
SPDA Series II 5
|
| 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
|
0-79: 3.00
80-85: 1.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
1% |
2.45
|
1.45
|
1.59
|
1.46
|
|
Genworth Life Insurance Company
SecureLiving SmartRate 3
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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-3
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.9% |
2.1
|
1.00
|
1.58
|
1.47
|
|
American National Insurance Company
Palladium Century
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 100 |
| Monthly: | 100 |
|
| 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 NY OR PA UT VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
1 Year
|
none |
1.55
|
1.00
|
1.55
|
1.08
|
|
North American Company
North American Flex I
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CA CT DE MA MN NV NY OR PR TX UT VI
|
0-75: 4.50+
76-80: 3.38+
81-85: 2.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (7 years):
|
9 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states FL (7 years):
|
9 |
9 |
6 |
5 |
4 |
3 |
2 |
|
For states WA (7 years):
|
9 |
9 |
6 |
5 |
4 |
3 |
2 |
|
Rate Changed: 01/19/12
|
| 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
|
1.55
|
1.08
|
|
American National Insurance Company
Citadel 7 Diamond
Low-Band
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
NY VI
|
0-80: 3.50+
81-85: 2.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00-3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Years
2-2
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
2 Year
Fixed
with Bonus
|
2 Years
|
2% |
3.25
|
1.25
|
1.53
|
1.35
|
|
Genworth Life Insurance Company
SecureLiving SmartRate 5
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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| 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
Fixed
with Bonus
|
5 Years
|
0.6% |
1.65
|
1.00
|
1.48
|
1.46
|
|
Protective Life Corporation
ProSaver Secure II Fixed Annuity 1
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| 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
|
0-75: 4.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/31/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/15/12
|
| 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
|
3% |
4.05
|
1.00
|
1.47
|
1.43
|
|
Integrity Life Insurance
New Momentum 6
|
| 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
|
0-79: 5.00
80-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
Rate
Year 6
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
Fixed
with Bonus
|
6 Years
|
0.75% |
2.1
|
1.35
|
1.46
|
1.41
|
|
Genworth Life Insurance Company
SecureLiving SmartRate 3
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| 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:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-3
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
1.7
|
1.00
|
1.41
|
1.30
|
|
American National Insurance Company
Palladium Advisor
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 0 |
| Annuitant: | 0 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 0 |
| Monthly: | 0 |
|
| 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:
NJ NY PR UT VI
|
0-80: 3.00+
81-UP: 1.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00-2.00%
|
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
with Bonus
|
1 Year
|
1% |
2.25
|
1.00-2.00
|
1.39
|
1.18
|
|
Genworth Life Insurance Company
SecureLiving SmartRate 5
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| 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:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| 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
Fixed
with Bonus
|
5 Years
|
0.4% |
1.45
|
1.00
|
1.34
|
1.32
|
|
Protective Life Corporation
ProSaver Secure II Fixed Annuity 1
Low-Band
|
| 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
|
0-75: 4.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/31/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/15/12
|
| 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
|
1.00
|
1.28
|
1.28
|
|
Protective Life Corporation
ProSaver Secure II Fixed Annuity 2
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| 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
|
0-75: 4.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/31/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/15/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Years
2-2
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
2 Year
Fixed
with Bonus
|
2 Years
|
1.5% |
2.55
|
1.05
|
1.26
|
1.23
|
|
Genworth Life Insurance Company
SecureLiving SmartRate 3
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| 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:
NY OR PR VI
|
0-75: 4.50
76-80: 2.70
81-85: 1.05
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-3
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.1% |
1.3
|
1.00
|
1.24
|
1.13
|
|
Integrity Life Insurance
New Momentum 5
|
| 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
|
0-79: 5.00
80-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
0.75% |
1.85
|
1.10
|
1.21
|
1.18
|
|
Protective Life Corporation
ProSaver Secure II Fixed Annuity 4
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| 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
|
0-75: 4.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/31/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/15/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 4
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
4 Year
Fixed
with Bonus
|
4 Years
|
0.75% |
1.8
|
1.05
|
1.16
|
1.14
|
|
Protective Life Corporation
ProSaver Secure II Fixed Annuity 2
Low-Band
|
| 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
|
0-75: 4.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/31/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/15/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Years
2-2
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
2 Year
Fixed
with Bonus
|
2 Years
|
1% |
2
|
|
