Indexed Annuity Detail Sheet

 
 
 
State
Premium
Qual
Flex?
Rating
Company
SC yrs
Age
Comm
%


Showing 1-20 of 155    Display: Print/Save |<  <<   Page 1 of 8   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 15 Years

National Western Life

Liberty Champion
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:5,000
Monthly:5,000
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

WY
Qualified
0-70: 9.25+
71-75: 7.75+
Non-Qual
0-70: 9.25+
71-80: 7.75+
81-85: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 15 years:
20 20 20 20 20 20 18 16 14 12 10 8 6 4 2
 
Guaranteed Minimum Value:
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.85%
Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00
Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 65 0.75  

National Western Life

NWL Ultra Future
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- 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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT MS NY OR
Qualified
0-70: 7.00+
71-75: 3.50+
76-80: 2.00+
Non-Qual
0-75: 7.00+
76-80: 5.00+
Withdrawal Notes: Prem Bonus: 4.75-10.00
Withdrawal Charges 15 years:
19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 2.00%  (GMR/1000 $1,295)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option B: Fixed Account 1-Year Fixed Rate (no bonus) 3.40%
Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 65 0.25  
Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.75
Surrender Charges Last 14 Years

Annuity Investors Life (Great American Life)

FlexMax 14
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:70
Annuitant:70
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  Yes-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:

CT DE NY OR PR VI VT
Qualified
18-55: 8.00+
56-70: 4.75+
Non-Qual
0-55: 8.00+
56-70: 4.75+
71-80: 3.95+
Withdrawal Notes: Prem Bonus: 3.00-5.00
Ages 0 to 55 (14 years): 14 13 12 11 10 9 8 7 6 5 4 3 2 1
Age 56+ (10 years): 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 90% of Premium at 2.00%  (GMR/1000 $1,247)
Account Name Indicie Type Reset Averaging Part Spread Cap
Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.50%
1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 100   5.75

National Western Life

NWL Ultra Benefit
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
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:

AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA
Qualified
0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 1.00+
Non-Qual
0-75: 8.00+
76-80: 6.00+
81-85: 3.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 14 years:
16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 2.00%  (GMR/1000 $1,212)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 55 0.75  
Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     2.00
Fixed 1-Year Fixed Rate (no bonus) 2.50%

North American Company

Charter 14
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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:

AK AL CT DE MN NY OR PR UT VI WA
0-75: 8.50+
Withdrawal Notes: Prem Bonus: 11.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,132)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed 1-Year Fixed Rate (no bonus) 2.60%
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.80
1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     7.15
1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     6.00
1-Year Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None     3.00
1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 4.60
1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     5.20
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.60
1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     4.55
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.35
1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     6.20
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   5.05
1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     5.25
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 4.70

North American Company

Freedom Choice (5%) 14

Low-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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:

AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
0-75: 5.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
9 9 9 9 8 8 7 7 6 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,020)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed 1-Year Fixed Rate (no bonus) 4.85%
1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     10.70
1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.10
1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     10.25
1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.50
1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.25
1-Year Annual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.75
1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.00
1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.05
1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.25

North American Company

Freedom Choice (5%) 14

High-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  Yes-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  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:

AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
0-75: 5.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
9 9 9 9 8 8 7 7 6 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,020)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     11.45
1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.35
1-Year Fixed 1-Year Fixed Rate (no bonus) 5.20%
1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.45
1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.80
1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.75
1-Year Annual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     7.00
1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     10.50
1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     11.35
1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     11.10

North American Company

Freedom Choice 14

Low-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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:

AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
0-75: 5.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
9 9 9 9 8 8 7 7 6 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,020)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed 1-Year Fixed Rate (no bonus) 4.40%
1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     9.70
1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.85
1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     9.15
1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     9.40
1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.15
1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.25
1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.10
1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     8.10
1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     8.10

North American Company

Freedom Choice 14

High-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  Yes-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  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:

AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
0-75: 5.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
9 9 9 9 8 8 7 7 6 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,020)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.10
1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     10.65
1-Year Fixed 1-Year Fixed Rate (no bonus) 4.80%
1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.00
1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.00
1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.25
1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.75
1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.20
1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.45
1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     10.20

North American Company

North American Prizm Plus 14
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
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 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MN NV NY OR PR UT VI WA
0-75: 8.50+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,122)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed 1-Year Fixed Rate (no bonus) 3.00%
1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     3.00
1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 35    
1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 60    
1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 25    
1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 40    
1-Year DJIA Point-to-Point DJIA Point to Point Annual None 35    
1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 60    
1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35    
1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 25    
1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 45    
1-Year Lehman Bros. U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None 55    
1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     2.30
1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 30    

North American Company

Precision 14
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-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  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:

AK AL CT DE MN NY OR PR UT VI WA
0-75: 8.50+
Withdrawal Notes: Prem Bonus: 11.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,132)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.60%
Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 60   100.00
Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 75   5.50
Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None 50   5.50
Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 50   5.50
Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20
Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 45   100.00
Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 50   5.50
1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 50   5.50
Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 50   5.50
S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   2.80
S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 60   100.00
S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 70   6.50
S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 45   100.00
S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 55   5.50
Surrender Charges Last 13 Years

National Western Life

NWL Ultra Classic
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 
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:

AK AL CT DE IL IN MA MN MS NJ NY OR PA UT WA
Qualified
0-70: 12.00+
71-75: 10.00+
76-80: 9.00+
Non-Qual
0-75: 12.00+
76-80: 10.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 13 years:
15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 2.00%  (GMR/1000 $1,132)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option B: Fixed Account 1-Year Fixed Rate (no bonus) 3.80%
Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 65 0.25  
Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     2.75
Surrender Charges Last 12 Years

American General Life Insurance Company

AG HorizonIndex Annuity 12
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:

AK CT MN NJ NY OK OR PR UT VI VT WA
0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 12 years:
12 12 12 12 12 11 10 9 8 7 5 3
 
Guaranteed Minimum Value: 90% of Premium at 2.00%  (GMR/1000 $1,198)
Account Name Indicie Type Reset Averaging Part Spread Cap
Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20
2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     14.00
Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.80%

Annuity Investors Life (Great American Life)

FlexMax 12
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:70
Annuitant:70
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  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AR CT DE GA IL NH NJ NY OR PA PR UT VI VT WA
Qualified
18-60: 9.25+
61-70: 6.75+
Non-Qual
0-60: 9.25+
61-85: 6.75+
Withdrawal Notes: No Premium Bonus
Ages 0 to 57 (12 years): 10 9 8 7 6 5 4 3 2 1 1 1
Age 58+ (10 years): 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 90% of Premium at 2.00%  (GMR/1000 $1,141)
Account Name Indicie Type Reset Averaging Part Spread Cap
Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.50%
1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 100   5.50

Great American Life Insurance Company

American Valor II
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:20,000
Monthly:20,000
No- Disability  No- 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  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CT NY PR VI
Qualified
18-75: 6.50+
76-80: 5.35+
81-85: 3.60+
Non-Qual
0-75: 6.50+
76-80: 5.35+
81-85: 3.60+
Withdrawal Notes: Prem Bonus: 3.00-5.00
Age 58+ (10 years): 10 9 8 7 6 5 4 3 2 1
Ages 0 to 57 (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 1.00-2.00%  (GMR/1000 $1,332)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 100   6.50
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     7.00
Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.75%

Lincoln Financial Group

Lincoln OptiPoint 12

Low-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:5,000
Monthly:5,000
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  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:

AK CT DE MN NY OR UT WA
0-75: 8.00+
Withdrawal Notes: Premium Bonus: 4.00
Withdrawal Charges 12 years:
12 11 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 2.00%  (GMR/1000 $1,319)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.55%
2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90
2-Year Point to Point S&P 500 Point to Point Biennial None     10.90
Performance Triggered S&P 500 Perf Trig Annual None     4.60

Lincoln Financial Group

Lincoln OptiPoint 12

High-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
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  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:

AK CT DE MN NY OR UT WA
0-75: 8.00+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 12 years:
12 11 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 2.00%  (GMR/1000 $1,332)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.55%
Performance Triggered S&P 500 Perf Trig Annual None     4.60
2-Year Point to Point S&P 500 Point to Point Biennial None     10.90
2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90

National Western Life

Liberty Challenge
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:75
Non-Qualified
Single:5,000
Monthly:5,000
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

FL PR WY
Qualified
0-70: 9.00+
71-75: 8.00+
Non-Qual
0-70: 9.00+
71-80: 8.00+
81-85: 6.25+
Withdrawal Notes: Premium Bonus: 2.00
Withdrawal Charges 12 years:
15 15 15 15 15 15 15 15 12 9 6 3
 
Guaranteed Minimum Value:
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.85%
Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00
Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 65 0.75  

RBC Insurance

RBC Enhanced Choice 12 SPDA
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:80
Annuitant:80
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 CA CT DE HI MN NJ NY OK OR PA PR UT VI WA
0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Withdrawal Notes: Premium Bonus: 5.00
For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years): 14 13 12 11 10 9 8 7 6 5 4 3
For states CA (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,035)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Account 1-Year Fixed Rate with Bonus 1.90% +1.00 Bonus
1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.50
1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 5.25
1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.75
1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00
Surrender Charges Last 10 Years

American National Insurance Company

Value Lock 10
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 
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  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MA MN ND NJ NY OR PR VI VT
0-75: 10.00
76-80: 8.00
Withdrawal Notes: Premium Bonus: 3.00
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3
For states CT, PA (10 years): 9 9 8 7 6 5 4 3 2 1
Rate Changed: 03/01/10
Guaranteed Minimum Value: 90% of Premium at 1.75%  (GMR/1000 $1,103) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Monthly 100    
Showing 1-20 of 155    Display: Page:   1 | 2 | 3 | 4 | 5 | 6 .. 8

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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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