Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
|
Surrender Charges Last 10 Years
|
RBC Insurance
Value Master SPDA
|
| 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- 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 |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK HI MN NJ NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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 |
4.2
|
3.00
|
4.20
|
3.12
|
|
American National Insurance Company
Palladium Ultra 7
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 70 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AL CT IL MA MN OR PA UT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| 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
|
7% |
10
|
2.00
|
3.68
|
2.77
|
|
American National Insurance Company
Palladium Ultra 5
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AL CT IL MA MN OR PA UT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| 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
|
5% |
8
|
2.00
|
3.49
|
2.58
|
|
American National Insurance Company
Palladium Plus 3
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AL CT IL MA MN OR PA UT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| 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
|
3% |
6
|
2.00
|
3.30
|
2.39
|
|
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- 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:
MS NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/06/10
|
| 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% |
5.1
|
3.10
|
3.30
|
2.17
|
|
American National Insurance Company
Palladium Plus 1
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AL CT IL MA MN OR PA UT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| 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
|
1% |
4
|
2.00
|
3.10
|
2.20
|
|
Aviva Life & Annuity
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 |
| 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 |
Yes-Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT DE MN NY OR PA PR UT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
8.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/05/10
|
| 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 |
2.3
|
2.00
|
3.09
|
2.82
|
|
Aviva Life & Annuity
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 |
| 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 |
Yes-Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
CT DE MN NY OR PA PR WA
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
Rate Changed: 03/05/10
|
| 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 |
2.35
|
2.00
|
2.85
|
2.53
|
|
Aviva Life & Annuity
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 |
| 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 |
Yes-Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT DE MN NY OR PA PR UT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
8.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/05/10
|
| 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
|
2.00
|
2.79
|
2.79
|
|
Aviva Life & Annuity
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 |
| 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 |
Yes-Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
CT DE MN NY OR PA PR WA
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
Rate Changed: 03/05/10
|
| 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
|
2.00
|
2.50
|
2.50
|
|
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- 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:
MS NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/06/10
|
| 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 |
2.35
|
1.50
|
2.35
|
1.58
|
|
|
Surrender Charges Last 9 Years
|
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- 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:
MN NJ NY OR PA PR UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/08/10
|
| 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% |
8.6
|
2.60
|
3.25
|
3.05
|
|
|
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- 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:
ME NH NY PR VI VT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
5
|
2.00-3.00
|
5.00
|
2.42
|
|
National 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 |
|
| Yes-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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
NY
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/28/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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 |
3.85
|
3.00
|
3.85
|
3.12
|
|
Penn Mutual Life
Single Premium Fixed Deferred Annuity
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 500,000 |
| Monthly: | 500,000 |
| Qualified |
| Single: | 500,000 |
| Monthly: | 500,000 |
|
| 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:
NY
|
| Withdrawal Notes: |
|
Prem Bonus:
1.00-2.00
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 10/01/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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 |
3
|
3.00
|
3.29
|
3.29
|
|
National Integrity Life Insurance
SPDA Series II 5
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| Yes-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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
NY
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/28/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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
|
5 Years
|
none |
3.15
|
3.00
|
3.15
|
3.11
|
|
Penn Mutual Life
Single Premium Fixed Deferred Annuity
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 |
|
| 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:
NY
|
| Withdrawal Notes: |
|
Premium Bonus:
1.00
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 10/01/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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 |
3
|
3.00
|
3.15
|
3.15
|
|
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- 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 7 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
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% |
4.7
|
2.70
|
2.98
|
2.48
|
|
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- 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:
ME NH NY PR VI VT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
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 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
Fixed
with Bonus
|
7 Years
|
0.75% |
3.6
|
2.85
|
2.96
|
2.96
|
|
Genworth Life of New York
SecureLiving SmartRate NY (1)
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 |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Check with carrier
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
|
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% |
3.8
|
|
2.94
|
1.40
|
|