Fixed Annuity Detail Sheet

www.madisonbrokerage.com
65 Madison Ave., Suite 200
Morristown, NJ 07962
(888)539-3232
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age

Showing 1-20 of 157    Display: Print/Save |<  <<   Page 1 of 8   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States
Surrender Charges Last 15 Years

Life of the Southwest

Retire Four
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:3,000
Monthly:3,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Special Enhanced Life Income Options 
No- Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

AK AL CT GA MD NJ NY OR PA PR UT VI WA WY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 15 years:
12.5 12.5 12.5 12 11 10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/22/11
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% 3 1.00 2.07 1.13
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
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

Life of the Southwest

RetireMax FPDA 3 403(b)
Non-Qualified
Owner:
Annuitant:
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:3,000
Monthly:3,000
Qualified
Single:3,000
Monthly:3,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Special Enhanced Life Income Options 
Yes-Terminal Illness  No- Nursing Home 
No- Annualization 

Not
Available in:

AK AL CT MD NJ NY OR PA PR UT VI WA WY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 12 years:
12 11 10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/22/11
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 1.75 1.00 1.75 1.06

Life of the Southwest

RetireThree
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:3,000
Monthly:3,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Special Enhanced Life Income Options 
No- Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

AK AL CT MD NJ NY OR PA PR UT VI WA WY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 12 years:
12 11 10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/22/11
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 1.75 1.00 1.75 1.06
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: 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
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
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

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
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

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

Life of the Southwest

Retire Five
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:3,000
Monthly:3,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Special Enhanced Life Income Options 
No- Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

MS NJ NV NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
Age 59+ in states AK, AL, CA, DE, MN, TX (9 years): 8.25 8.25 7.25 6.25 5 4 3 2 1
Ages 0 to 58 in states AK, AL, CA, DE, MN, TX (10 years): 10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/22/11
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 5% 6.5 1.00 1.99 1.54

Life of the Southwest

RetireMax Millenium Flex
Non-Qualified
Owner:0
Annuitant:
Qualified
Owner:75
Annuitant:
Non-Qualified
Single:0
Monthly:0
Qualified
Single:3,000
Monthly:3,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Special Enhanced Life Income Options 
Yes-Terminal Illness  No- Nursing Home 
No- Annualization 

Not
Available in:

MS NJ NV NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
Ages 0 to 58 in states AK, AL, CA, DE, MN, TX (10 years): 10 9 8 7 6 5 4 3 2 1
Age 59+ in states AK, AL, CA, DE, MN, TX (10 years): 8.25 8.25 7.25 6.25 5 4 3 2 1 0
Rate Changed: 09/22/11
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 5% 6.5 1.99 1.54

Life of the Southwest

RetireMax Millennium Plus
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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- Special Enhanced Life Income Options 
No- Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

NJ NY OR PR VI
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CA, CO, CT, DC, DE, 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, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
Ages 0 to 58 in states AK, AL, MN, TX, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1
Age 59+ in states AK, AL, MN, TX, UT, WA (9 years): 8.25 8.25 7.25 6.25 5 4 3 2 1
Rate Changed: 09/22/11
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 5% 6.5 1.00 1.99 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
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: 02/04/12
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

Life of the Southwest

RetireMax Income Master
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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- Special Enhanced Life Income Options 
Yes-Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

AK CT MT NJ NY OH OR PA PR TN VI WA
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NM, NV, OK, RI, SC, SD, TX, UT, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
Age 59+ in states AL, MN, TX, UT (9 years): 8.25 8.25 7.25 6.25 5 4 3 2 1
Rate Changed: 09/22/11
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-2 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed 2 Years none 1.75 1.75 1.15
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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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