Universal Financial Consultants
800-506-4832
www.UFC.bz

MYGA

Annuity Product Information
Marketing@UFC.bz
Market Department
800-506-4832 Option 1

Universal Financial Consultants 

800-506-4832   www.UFC.bz

 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
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AM
Best 		Minimum
Premium 		Premium
Bonus 		Rate Change Years
Rate
Gtd 		Rate Yield to
Surrender 		Bail Out Commissions
Age: Rate
Rate Guaranteed 10 Years
North American Company
Guarantee Choice 10 High-Band [MVA]
A+ 200,000   01/19/12 1-10 3.40 3.40 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-10 3.15 3.15 -0.25 DOWN  
   
North American Company
Guarantee Choice 10 Low-Band [MVA]
A+ 10,000
Q:2,000 		  01/19/12 1-10 3.25 3.25 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-10 3.00 3.00 -0.25 DOWN  
   
American National Insurance Company
Palladium MYG Annuity 10 High-Band [MVA]
A 100,000   02/01/12 1 3.55 2.65 0-79: 4.00
80-85: 2.00
2-10 2.55
American National Life Insurance Company of NY
Palladium MYG 10 High-Band
A 100,000   02/01/12 1 3.55 2.65 0-79: 4.00
80-85: 2.00
2-10 2.55
American National Life Insurance Company of NY
Palladium MYG 10 Low-Band
A 5,000   02/01/12 1 3.45 2.55 0-79: 4.00
80-85: 2.00
2-10 2.45
American National Insurance Company
Palladium MYG Annuity 10 Low-Band [MVA]
A 5,000   02/01/12 1 3.45 2.55 0-79: 4.00
80-85: 2.00
2-10 2.45
Integrity Life Insurance
MultiVantage 10 [MVA]
A+ 20,000   12/31/11 1 3.45 2.55 0-75: 3.50
76-85: 2.70
86-89: 2.00
2-10 2.45
Next Rate:  02/23/12 1 3.45 2.55 No Change  
2-10 2.45
Integrity Life Insurance
Momentum Advantage 10 [MVA]
A+ 20,000   12/31/11 1 3.20 2.52 0-79: 3.50
80-83: 1.50
2-10 2.45
Next Rate:  02/23/12 1 3.20 2.52 No Change  
2-10 2.45
The Standard
Focused Growth Annuity 10 High-Band [MVA, LOAN]
A 100,000   02/15/12 1-10 2.45 2.45 0-80: 3.00
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10 High-Band [MVA]
A+ 100,000   02/01/12 1-10 2.45 2.45 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10 High-Band [MVA]
A+ 100,000   02/01/12 1-10 2.45 2.45 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Protective Life Corporation
ProSaver Platinum 10 High-Band [TSA, MVA, REGISTERED]
A+ 100,000   02/07/12 1-10 2.40 2.40 0-80: 2.00
81-UP: 1.25
   
National Integrity Life Insurance
MultiVantage 10 [MVA]
A+ 20,000   01/31/12 1 3.30 2.40 0-75: 3.50
76-85: 2.70
86-UP: 2.00
2-10 2.30
Next Rate:  02/23/12 1 3.45 2.55 +0.15 UP  
2-10 2.45
The Standard
Focused Growth Annuity 10 Low-Band [MVA, LOAN]
A 15,000   02/15/12 1-10 2.35 2.35 0-80: 3.00
   
American General Life Insurance Company
AG HorizonSelect 10 [MVA]
A 5,000   02/06/12 1-10 2.35 2.35 0-80: 4.00+
81-85: 3.00+
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10 Low-Band [MVA]
A+ 10,000   02/01/12 1-10 2.30 2.30 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10 Low-Band [MVA]
A+ 10,000   02/01/12 1-10 2.30 2.30 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Integrity Life Insurance
New Momentum 10 [MVA]
A+ 5,000
Q:2,000 		  12/31/11 1 2.90 2.22 0-79: 5.00
80-85: 3.00
2-10 2.15
Next Rate:  02/23/12 1 2.90 2.22 No Change  
2-10 2.15
National Integrity Life Insurance
New Momentum 10 [MVA]
A+ 5,000
Q:2,000 		  12/31/11 1 2.90 2.22 0-79: 5.00
80-85: 3.00
2-10 2.15
Next Rate:  02/23/12 1 2.90 2.22 No Change  
2-10 2.15
Protective Life Corporation
ProSaver Platinum 10 Low-Band [TSA, MVA, REGISTERED]
A+ 10,000   02/07/12 1-10 2.15 2.15 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 10 High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-10 2.00 2.10 0-75: 3.25
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 10 Low-Band [MVA]
A+ 10,000   02/21/12 1-10 2.00 2.00 0-75: 3.25
76-85: 1.50
   
Allianz Life Insurance Company of North America
Dominator Plus 10 High-Band [MVA, LOAN]
A 100,000   02/07/12 1-10 2.00 2.00 0-75: 4.00
76-80: 3.00
81-85: 2.00
   
Protective Life Corporation
FutureSaver II Annuity 10 (ROP) Low-Band [MVA]
A+ 10,000   02/21/12 1-10 1.95 1.95 0-75: 3.25
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 10 (ROP) High-Band [MVA]
A+ 100,000   02/21/12 1-10 1.95 1.95 0-75: 3.25
76-85: 1.50
   
Allianz Life Insurance Company of North America
Dominator Plus 10 Low-Band [MVA, LOAN]
A 25,000   02/07/12 1-10 1.90 1.90 0-75: 4.00
76-80: 3.00
81-85: 2.00
   


AM
Best 		Minimum
Premium 		Premium
Bonus 		Rate Change Years
Rate
Gtd 		Rate Yield to
Surrender 		Bail Out Commissions
Age: Rate
Rate Guaranteed 9 Years
North American Company
Guarantee Choice 9 High-Band [MVA]
A+ 200,000   01/19/12 1-9 3.30 3.30 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-9 3.00 3.00 -0.30 DOWN  
   
North American Company
Guarantee Choice 9 Low-Band [MVA]
A+ 10,000
Q:2,000 		  01/19/12 1-9 3.10 3.10 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-9 2.80 2.80 -0.30 DOWN  
   
Minnesota Life
SecureOption Select 9-Year High-Band [MVA]
A+ 100,000   02/04/12 1-9 2.90 2.90
   
Minnesota Life
SecureOption Select 9-Year Low-Band [MVA]
A+ 5,000   02/04/12 1-9 2.70 2.70
   
American National Insurance Company
Palladium MYG Annuity 9 High-Band [MVA]
A 100,000   02/01/12 1 4.45 2.67 0-79: 3.00
80-85: 1.00
2-9 2.45
American National Insurance Company
Palladium MYG Annuity 9 Low-Band [MVA]
A 5,000   02/01/12 1 4.35 2.57 0-79: 3.00
80-85: 1.00
2-9 2.35
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 9 High-Band [MVA]
A+ 100,000   02/01/12 1-9 2.45 2.45 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 9 High-Band [MVA]
A+ 100,000   02/01/12 1-9 2.45 2.45 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 9 Low-Band [MVA]
A+ 10,000   02/01/12 1-9 2.30 2.30 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 9 Low-Band [MVA]
A+ 10,000   02/01/12 1-9 2.30 2.30 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Protective Life Corporation
ProSaver Platinum 9 High-Band [TSA, MVA, REGISTERED]
A+ 100,000   02/07/12 1-9 2.25 2.25 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 9 High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-9 1.90 2.01 0-75: 3.25
76-85: 1.50
   
Protective Life Corporation
ProSaver Platinum 9 Low-Band [TSA, MVA, REGISTERED]
A+ 10,000   02/07/12 1-9 2.00 2.00 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 9 Low-Band [MVA]
A+ 10,000   02/21/12 1-9 1.90 1.90 0-75: 3.25
76-85: 1.50
   


AM
Best 		Minimum
Premium 		Premium
Bonus 		Rate Change Years
Rate
Gtd 		Rate Yield to
Surrender 		Bail Out Commissions
Age: Rate
Rate Guaranteed 8 Years
North American Company
Guarantee Choice 8 High-Band [MVA]
A+ 200,000   01/19/12 1-8 3.10 3.10 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-8 2.80 2.80 -0.30 DOWN  
   
North American Company
Guarantee Choice 8 Low-Band [MVA]
A+ 10,000
Q:2,000 		  01/19/12 1-8 2.90 2.90 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-8 2.60 2.60 -0.30 DOWN  
   
American National Insurance Company
Palladium MYG Annuity 8 High-Band [MVA]
A 100,000   02/01/12 1-8 2.65 2.65 0-79: 2.50
80-85: 0.50
   
American National Insurance Company
Palladium MYG Annuity 8 Low-Band [MVA]
A 5,000   02/01/12 1-8 2.55 2.55 0-79: 2.50
80-85: 0.50
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 8 High-Band [MVA]
A+ 100,000   02/01/12 1-8 2.35 2.35 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 8 [MVA]
A+ 10,000   02/01/12 1-8 2.35 2.35 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 8 High-Band [MVA]
A+ 10,000   02/01/12 1-8 2.20 2.20 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 8 Low-Band [MVA]
A+ 10,000   02/01/12 1-8 2.20 2.20 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Protective Life Corporation
ProSaver Platinum 8 High-Band [TSA, MVA, REGISTERED]
A+ 100,000   02/07/12 1-8 2.05 2.05 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 8 High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-8 1.70 1.83 0-75: 3.00
76-85: 1.50
   
Protective Life Corporation
ProSaver Platinum 8 Low-Band [TSA, MVA, REGISTERED]
A+ 10,000   02/07/12 1-8 1.80 1.80 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 8 (ROP) High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-8 1.65 1.78 0-75: 3.00
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 8 Low-Band [MVA]
A+ 10,000   02/21/12 1-8 1.70 1.70 0-75: 3.00
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 8 (ROP) Low-Band [MVA]
A+ 10,000   02/21/12 1-8 1.65 1.65 0-75: 3.00
76-85: 1.50
   


AM
Best 		Minimum
Premium 		Premium
Bonus 		Rate Change Years
Rate
Gtd 		Rate Yield to
Surrender 		Bail Out Commissions
Age: Rate
Rate Guaranteed 7 Years
North American Company
Guarantee Choice 7 High-Band [MVA]
A+ 200,000   01/19/12 1-7 2.90 2.90 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-7 2.55 2.55 -0.35 DOWN  
   
North American Company
Guarantee Choice 7 Low-Band [MVA]
A+ 10,000
Q:2,000 		  01/19/12 1-7 2.70 2.70 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-7 2.35 2.35 -0.35 DOWN  
   
American Equity Investment Life Insurance Company
Guarantee 7 (SPDA-MYGA) MVA [MVA]
A- 10,000   02/07/12 1-7 2.70 2.70 0-75: 3.00
76-80: 2.00
   
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 7 High-Band [MVA]
A 250,000   02/22/12 1-7 2.65 2.65 0-75: 2.75+
76-80: 2.15+
81-85: 1.50+
   
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 7 Mid-Band [MVA]
A 100,000   02/22/12 1-7 2.55 2.55 0-75: 2.75+
76-80: 2.15+
81-85: 1.50+
   
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 7 Low-Band [MVA]
A 25,000   02/22/12 1-7 2.35 2.35 0-75: 2.75+
76-80: 2.15+
81-85: 1.50+
   
The Standard
Focused Growth Annuity 7 High-Band [MVA, LOAN]
A 100,000   02/15/12 1-7 2.35 2.35 0-80: 2.50
81-85: 1.25
86-90: 1.25
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 7 High-Band [MVA]
A+ 100,000   02/01/12 1-7 2.30 2.30 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 7 High-Band [MVA]
A+ 100,000   02/01/12 1-7 2.30 2.30 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
American National Life Insurance Company of NY
Palladium MYG 7 High-Band
A 100,000   02/01/12 1 3.15 2.29 0-79: 2.50
80-85: 0.50
2-7 2.15
American National Insurance Company
Palladium MYG Annuity 7 High-Band [MVA]
A 100,000   02/01/12 1 3.15 2.29 0-79: 2.50
80-85: 0.50
2-7 2.15
The Standard
Focused Growth Annuity 7 Low-Band [MVA, LOAN]
A 15,000   02/15/12 1-7 2.25 2.25 0-80: 2.50
81-85: 1.25
86-90: 1.25
   
Great American Life Insurance Company
SecureGain 7 High-Band [MVA, STEP RATE]
A 100,000   10/10/11 Step Rate: 2.24 0-80: 4.00
81-UP: 1.75
2.35, 1.6, 1.85, 2.1, 2.35, 2.6, 2.85
Integrity Life Insurance
MultiVantage 7
A+ 20,000   12/31/11 1 3.10 2.24 0-75: 3.00
76-85: 2.20
86-89: 1.80
2-7 2.10
Next Rate:  02/23/12 1 3.10 2.24 No Change  
2-7 2.10
Integrity Life Insurance
Momentum Advantage 7 [MVA]
A+ 20,000   12/31/11 1 2.85 2.21 0-79: 3.00
80-85: 1.00
2-7 2.10
Next Rate:  02/23/12 1 2.85 2.21 No Change  
2-7 2.10
American Equity Investment Life Insurance Company
Guarantee 7 (SPDA-MYGA)
A- 10,000   02/07/12 1-7 2.20 2.20 0-75: 2.50
76-80: 1.50
   
American National Life Insurance Company of NY
Palladium MYG 7 Low-Band
A 5,000   02/01/12 1 3.05 2.19 0-79: 2.50
80-85: 0.50
2-7 2.05
American National Insurance Company
Palladium MYG Annuity 7 Low-Band [MVA]
A 5,000   02/01/12 1 3.05 2.19 0-79: 2.50
80-85: 0.50
2-7 2.05
Minnesota Life
SecureOption Select 7-Year High-Band [MVA]
A+ 100,000   02/04/12 1-7 2.15 2.15
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 7 Low-Band [MVA]
A+ 10,000   02/01/12 1-7 2.15 2.15 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 7 Low-Band [MVA]
A+ 10,000   02/01/12 1-7 2.15 2.15 0-75: 2.50
76-80: 1.60
81-85: 1.00
   
National Integrity Life Insurance
MultiVantage 7 [MVA]
A+ 20,000   01/31/12 1 3.00 2.14 0-75: 3.00
76-85: 2.20
86-UP: 1.70
2-7 2.00
Next Rate:  02/23/12 1 3.10 2.24 +0.10 UP  
2-7 2.10
Great American Life Insurance Company
SecureGain 7 Low-Band [MVA, STEP RATE]
A 10,000   10/10/11 Step Rate: 2.14 0-80: 4.00
81-UP: 1.75
2.25, 1.5, 1.75, 2, 2.25, 2.5, 2.75
American General Life Insurance Company
AG HorizonSecure 7
A 5,000   02/06/12 1-7 2.10 2.10 0-80: 4.00+
81-85: 3.00+
   
American General Life Insurance Company
AG HorizonSelect 7 [MVA]
A 5,000   02/06/12 1-7 2.10 2.10 0-80: 4.00+
81-85: 3.00+
   
Great American Life Insurance Company
SecureGain 7 No MVA High-Band [MVA, STEP RATE]
A 100,000   10/10/11 Step Rate: 2.09 0-80: 4.00
81-UP: 1.75
2.2, 1.45, 1.7, 1.95, 2.2, 2.45, 2.7
Great American Life Insurance Company
SecureGain 7 No MVA Low-Band [MVA, STEP RATE]
A 10,000   10/10/11 Step Rate: 1.99 0-80: 4.00
81-UP: 1.75
2.1, 1.35, 1.6, 1.85, 2.1, 2.35, 2.6
Minnesota Life
SecureOption Select 7-Year Low-Band [MVA]
A+ 5,000   02/04/12 1-7 1.95 1.95
   
United States Life Insurance Co. (NY)
AG Horizon EmpireSecure 7
A 5,000   02/06/12 1-7 1.90 1.90 0-80: 3.00
81-85: 1.75
   
Protective Life Corporation
ProSaver Platinum 7 High-Band [TSA, MVA, REGISTERED]
A+ 100,000   02/07/12 1-7 1.90 1.90 0-80: 2.00
81-UP: 1.25
   
National Integrity Life Insurance
New Momentum 7 [MVA]
A+ 5,000
Q:2,000 		  12/31/11 1 2.50 1.86 0-79: 5.00
80-85: 3.00
2-7 1.75
Next Rate:  02/23/12 1 2.50 1.86 No Change  
2-7 1.75
Minnesota Life
SecureOption Focus 7 High-Band
A+ 100,000   02/04/12 1-7 1.70 1.70
Call
   
Protective Life Corporation
ProSaver Platinum 7 Low-Band [TSA, MVA, REGISTERED]
A+ 10,000   02/07/12 1-7 1.65 1.65 0-80: 2.00
81-UP: 1.25
   
Minnesota Life
SecureOption Focus 7 Mid-Band
A+ 35,000   02/04/12 1-7 1.60 1.60
Call
   
Protective Life Corporation
FutureSaver II Annuity 7 High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-7 1.45 1.59 0-75: 3.00
76-85: 1.50
   
Lincoln Financial Group
Lincoln Long-Term Care Fixed Annuity Low-Band
A+ 50,000
Q:0 		  02/01/12 1-7 1.55 1.55
Call
   
Lincoln Financial Group
Lincoln Long-Term Care Fixed Annuity High-Band
A+ 100,000   02/01/12 1-7 1.55 1.55
Call
   
Protective Life Corporation
FutureSaver II Annuity 7 (ROP) High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-7 1.40 1.54 0-75: 3.00
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 7 Low-Band [MVA]
A+ 10,000   02/21/12 1-7 1.45 1.45 0-75: 3.00
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 7 (ROP) Low-Band [MVA]
A+ 10,000   02/21/12 1-7 1.40 1.40 0-75: 3.00
76-85: 1.50
   
Minnesota Life
SecureOption Focus 7 Low-Band
A+ 10,000   02/04/12 1-7 1.40 1.40
Call
   
Integrity Life Insurance
SPDA Series II 7
A+ 3,000   12/31/11 1 2.25 1.39 0-79: 3.00
80-85: 1.25
2-7 1.25
Next Rate:  02/23/12 1 2.15 1.29 -0.10 DOWN  
2-7 1.15


AM
Best 		Minimum
Premium 		Premium
Bonus 		Rate Change Years
Rate
Gtd 		Rate Yield to
Surrender 		Bail Out Commissions
Age: Rate
Rate Guaranteed 6 Years
North American Company
Guarantee Choice 6 High-Band [MVA]
A+ 200,000   01/19/12 1-6 2.60 2.60 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-6 2.25 2.25 -0.35 DOWN  
   
North American Company
Guarantee Choice 6 Low-Band [MVA]
A+ 10,000
Q:2,000 		  01/19/12 1-6 2.35 2.35 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-6 2.05 2.05 -0.30 DOWN  
   
The Standard
Focused Growth Annuity 6 High-Band [MVA, LOAN]
A 100,000   02/15/12 1-6 2.35 2.35 0-80: 2.00
81-84: 1.00
85-UP: 0.77
   
The Standard
Focused Growth Annuity 6 Low-Band [MVA, LOAN]
A 15,000   02/15/12 1-6 2.25 2.25 0-80: 2.00
81-84: 1.00
85-UP: 0.77
   
American General Life Insurance Company
AG Horizon Achiever [MVA]
A 5,000   02/06/12 1-6 2.05 2.05 0-80: 3.00+
81-85: 2.00+
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 6 High-Band [MVA]
A+ 100,000   02/01/12 1-6 1.90 1.90 0-75: 2.25
76-80: 1.50
81-85: 0.75
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 6 High-Band [MVA]
A+ 100,000   02/01/12 1-6 1.90 1.90 0-75: 2.25
76-80: 1.50
81-85: 0.75
   
American National Life Insurance Company of NY
Palladium MYG 6 High-Band
A 100,000   02/01/12 1-6 1.80 1.80 0-79: 2.50
80-85: 0.50
   
American National Insurance Company
Palladium MYG Annuity 6 High-Band [MVA]
A 100,000   02/01/12 1-6 1.80 1.80 0-79: 2.50
80-85: 0.50
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 6 Low-Band [MVA]
A+ 10,000   02/01/12 1-6 1.75 1.75 0-75: 2.25
76-80: 1.50
81-85: 0.75
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 6 Low-Band [MVA]
A+ 10,000   02/01/12 1-6 1.75 1.75 0-75: 2.25
76-80: 1.50
81-85: 0.75
   
American National Life Insurance Company of NY
Palladium MYG 6 Low-Band
A 5,000   02/01/12 1-6 1.70 1.70 0-79: 2.50
80-85: 0.50
   
American National Insurance Company
Palladium MYG Annuity 6 Low-Band [MVA]
A 5,000   02/01/12 1-6 1.70 1.70 0-79: 2.50
80-85: 0.50
   
The Standard
Secured Rate Annuity 6 High-Band
A 100,000   02/15/12 1-6 1.60 1.60 0-80: 2.00
81-84: 1.00
85-91: 0.77
   
The Standard
Secured Rate Annuity 6 Low-Band
A 15,000   02/15/12 1-6 1.50 1.50 0-80: 2.00
81-84: 1.00
85-91: 0.77
   
Protective Life Corporation
ProSaver Platinum 6 High-Band [TSA, MVA, REGISTERED]
A+ 100,000   02/07/12 1-6 1.40 1.40 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 6 High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-6 1.20 1.37 0-75: 2.75
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 6 (ROP) High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-6 1.10 1.27 0-75: 2.75
76-85: 1.50
   
Protective Life Corporation
FutureSaver II Annuity 6 Low-Band [MVA]
A+ 10,000   02/21/12 1-6 1.20 1.20 0-75: 2.75
76-85: 1.50
   
Protective Life Corporation
ProSaver Platinum 6 Low-Band [TSA, MVA, REGISTERED]
A+ 10,000   02/07/12 1-6 1.15 1.15 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 6 (ROP) Low-Band [MVA]
A+ 10,000   02/21/12 1-6 1.10 1.10 0-75: 2.75
76-85: 1.50
   


AM
Best 		Minimum
Premium 		Premium
Bonus 		Rate Change Years
Rate
Gtd 		Rate Yield to
Surrender 		Bail Out Commissions
Age: Rate
Rate Guaranteed 5 Years
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA) MVA [MVA]
A- 10,000   02/07/12 1-5 2.60 2.60 0-75: 3.00
76-80: 2.00
   
North American Company
Guarantee Choice 5 High-Band [MVA]
A+ 200,000   01/19/12 1-5 2.25 2.25 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-5 2.25 2.25 No Change  
   
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 5 High-Band [MVA]
A 250,000   02/22/12 1-5 2.15 2.15 0-75: 2.00
76-80: 1.35
81-85: 0.70
   
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA)
A- 10,000   02/07/12 1-5 2.10 2.10 0-75: 2.50
76-80: 1.50
   
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 5 Mid-Band [MVA]
A 100,000   02/22/12 1-5 2.05 2.05 0-75: 2.00
76-80: 1.35
81-85: 0.70
   
North American Company
Guarantee Choice 5 Low-Band [MVA]
A+ 10,000
Q:2,000 		  01/19/12 1-5 2.00 2.00 0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
   
Next Rate:  02/24/12 1-5 1.65 1.65 -0.35 DOWN  
   
The Standard
Focused Growth Annuity 5 High-Band [MVA, LOAN]
A 100,000   02/15/12 1-5 1.85 1.85 0-80: 3.00
81-85: 1.50
86-UP: 1.35
   
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 5 Low-Band [MVA]
A 25,000   02/22/12 1-5 1.85 1.85 0-75: 2.00
76-80: 1.35
81-85: 0.70
   
Great American Life Insurance Company
SecureGain 5 High-Band [MVA, STEP RATE]
A 100,000   10/10/11 Step Rate: 1.80 0-80: 2.75
81-UP: 1.75
1.8, 1.65, 1.75, 1.85, 1.95
Minnesota Life
SecureOption Select 5-Year High-Band [MVA]
A+ 100,000   02/04/12 1-5 1.80 1.80
   
The Standard
Focused Growth Annuity 5 Low-Band [MVA, LOAN]
A 15,000   02/15/12 1-5 1.75 1.75 0-80: 3.00
81-85: 1.50
86-UP: 1.35
   
Great American Life Insurance Company
SecureGain 5 Low-Band [MVA, STEP RATE]
A 10,000   10/10/11 Step Rate: 1.70 0-80: 2.75
81-UP: 1.75
1.7, 1.55, 1.65, 1.75, 1.85
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 5 High-Band [MVA]
A+ 100,000   02/01/12 1-5 1.60 1.60 0-75: 2.00
76-80: 1.30
81-85: 0.75
   
Minnesota Life
SecureOption Select 5-Year Low-Band [MVA]
A+ 5,000   02/04/12 1-5 1.60 1.60
   
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 5 High-Band [MVA]
A+ 100,000   02/01/12 1-5 1.60 1.60 0-75: 2.00
76-80: 1.30
81-85: 0.75
   
American General Life Insurance Company
AG HorizonSelect 5 [MVA]
A 5,000   02/06/12 1-5 1.55 1.55 0-80: 4.00+
81-85: 3.00+
   
Great American Life Insurance Company
American Freedom Stars and Stripes 5 High-Band [MVA, STEP RATE]
A 100,000   10/21/11 Step Rate: 1.55 0-84: 3.00
85-89: 1.80
1.55, 1.4, 1.5, 1.6, 1.7
Great American Life Insurance Company
SecureGain 5 No MVA High-Band [MVA, STEP RATE]
A 100,000   10/10/11 Step Rate: 1.55 0-80: 2.75
81-UP: 1.75
1.55, 1.4, 1.5, 1.6, 1.7
Integrity Life Insurance
MultiVantage 5
A+ 20,000   12/31/11 1 2.30 1.50 0-75: 2.50
76-85: 2.00
86-89: 1.70
2-5 1.30
Next Rate:  02/23/12 1 2.20 1.40 -0.10 DOWN  
2-5 1.20
National Integrity Life Insurance
MultiVantage 5 [MVA]
A+ 20,000   01/31/12 1 2.30 1.50 0-75: 2.50
76-85: 2.00
86-UP: 1.70
2-5 1.30
Next Rate:  02/23/12 1 2.20 1.40 -0.10 DOWN  
2-5 1.20
Great American Life Insurance Company
American Freedom Stars and Stripes 5 Low-Band [MVA, STEP RATE]
A 10,000   10/21/11 Step Rate: 1.50 0-84: 3.00
85-89: 1.80
1.5, 1.35, 1.45, 1.55, 1.65
American General Life Insurance Company
AG HorizonSecure 5
A 5,000   02/06/12 1-5 1.50 1.50 0-80: 4.00+
81-85: 3.00+
   
Allianz Life Insurance Company of North America
Dominator Plus 5 Low-Band [MVA, LOAN]
A 25,000   02/07/12 1-5 1.50 1.50 0-75: 3.00
76-80: 2.00
81-85: 1.00
   
Allianz Life Insurance Company of North America
Dominator Plus 5 High-Band [MVA, LOAN]
A 100,000   02/07/12 1-5 1.50 1.50 0-75: 3.00
76-80: 2.00
81-85: 1.00
   
Integrity Life Insurance
Momentum Advantage 5 [MVA]
A+ 20,000   12/31/11 1 2.05 1.45 0-79: 2.50
80-86: 0.50
2-5 1.30
Next Rate:  02/23/12 1 1.95 1.35 -0.10 DOWN  
2-5 1.20
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 5 Low-Band [MVA]
A+ 10,000   02/01/12 1-5 1.45 1.45 0-75: 2.00
76-80: 1.30
81-85: 0.75
   
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 5 Low-Band [MVA]
A+ 10,000   02/01/12 1-5 1.45 1.45 0-75: 2.00
76-80: 1.30
81-85: 0.75
   
Great American Life Insurance Company
SecureGain 5 No MVA Low-Band [MVA, STEP RATE]
A 10,000   10/10/11 Step Rate: 1.45 0-80: 2.75
81-UP: 1.75
1.45, 1.3, 1.4, 1.5, 1.6
American National Life Insurance Company of NY
Palladium MYG 5 High-Band
A 100,000   02/01/12 1 2.10 1.30 0-79: 3.00
80-85: 1.00
2-5 1.10
The Standard
Secured Rate Annuity 5 High-Band
A 100,000   02/15/12 1-5 1.30 1.30 0-80: 2.00
81-84: 1.00
85-90: 0.77
   
American National Insurance Company
Palladium MYG Annuity 5 High-Band [MVA]
A 100,000   02/01/12 1 2.10 1.30 0-85: 2.00
2-5 1.10
Protective Life Corporation
ProSaver Platinum 5 High-Band [TSA, MVA, REGISTERED]
A+ 100,000   02/07/12 1-5 1.25 1.25 0-80: 2.00
81-UP: 1.25
   
Protective Life Corporation
FutureSaver II Annuity 5 High-Band [MVA]
A+ 100,000 1.00 02/21/12 1-5 1.00 1.20 0-75: 2.50
76-85: 1.50
   
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