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

Indexed Annuity Detail Sheet

Annuity Product Information
Marketing@UFC.bz
Market Department
800-506-4832 Option 1
 
 
 
State
Premium
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Averaging
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Products with Riders

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Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

Aviva Life & Annuity (MultiChoice Series)

MultiChoice Advantage

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 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT VI WA
0-75: 7.50
76-79: 5.50
Withdrawal Notes: Prem Bonus: 3.00-5.00
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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
Rate Changed: 04/06/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,015) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus

Aviva Life & Annuity (Income Series)

Income Preferred Ultra

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 
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 VI WA
0-75: 7.50
76-78: 5.50
Withdrawal Notes: Premium Bonus: 3.00
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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
Rate Changed: 04/06/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $996) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus

Aviva Life & Annuity (MultiChoice Series)

MultiChoice Advantage

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 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 
No- Home Health Care Waiver  No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT VI WA
0-75: 7.50
76-79: 5.50
Withdrawal Notes: Prem Bonus: 3.00-5.00
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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
Rate Changed: 04/06/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,015) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus

Aviva Life & Annuity (Income Series)

Income Preferred Ultra

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 
No- 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 VI WA
0-75: 7.50
76-78: 5.50
Withdrawal Notes: Premium Bonus: 3.00
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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
Rate Changed: 04/06/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $996) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus

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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

MA MN ND NJ NY OR VI VT
0-75: 10.00
76-80: 8.00
Withdrawal Notes: No Premium Bonus
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3
For states CT, IL, PA, WA (10 years): 9 9 8 7 6 5 4 3 2 1
Rate Changed: 05/01/12
Guaranteed Minimum Value: 90% of Premium at 1.00-1.75%  (GMR/1000 $1,071) 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 Continuous Monthly 100    

American National Insurance Company

ANICO Strategy Indexed Annuity 10
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
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

MA MN NY OR PA UT VI VT
0-75: 8.00+
76-80: 6.50+
81-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 90% of Premium at 1.00%  (GMR/1000 $994)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.00
Declared Rate Interest Account 1-Year Fixed Rate (no bonus) 1.00%

Aviva Life & Annuity (Income Series)

Income Preferred Bonus

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 
No- 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 VI WA
0-75: 7.00
76-78: 5.00
Withdrawal Notes: Premium Bonus: 6.00
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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,025)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00

Aviva Life & Annuity (Income Series)

Income Preferred Bonus

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 
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 VI WA
0-75: 7.00
76-78: 5.00
Withdrawal Notes: Premium Bonus: 6.00
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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,025)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.25
1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%

Aviva Life & Annuity (Income Series)

Income Preferred Bonus Pro

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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

FL
65-75: 6.50
76-78: 4.50
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 7 6 4
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,025)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     2.00
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05

Aviva Life & Annuity (Income Series)

Income Preferred Bonus Pro

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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

FL
65-75: 6.50
76-78: 4.50
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 7 6 4
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,025)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.25

Aviva Life & Annuity (Income Series)

Income Preferred Bonus S

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 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

AK CT MN UT WA
0-75: 6.00
76-78: 4.00
Withdrawal Notes: Premium Bonus: 4.00
For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,005)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None     1.05

Aviva Life & Annuity (Income Series)

Income Preferred Bonus S

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 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

AK CT MN UT WA
0-75: 6.00
76-78: 4.00
Withdrawal Notes: Premium Bonus: 4.00
For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,005)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None     1.60
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25

Aviva Life & Annuity (Income Series)

Income Select 10

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 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

DE NJ OR PA
0-75: 6.50
76-78: 4.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 2.75%  (GMR/1000 $1,148)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.00
1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25    
1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05
1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00
Fixed 1-Year Fixed Rate (no bonus) 2.00%

Aviva Life & Annuity (Income Series)

Income Select 10

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 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

DE NJ OR PA
0-75: 6.50
76-78: 4.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 2.75%  (GMR/1000 $1,148)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00
Fixed 1-Year Fixed Rate (no bonus) 2.00%
1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.00
1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25    
1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00

Aviva Life & Annuity (Income Series)

Income Select Plus S

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 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

DE OR PA
0-75: 5.00
76-78: 3.00
Withdrawal Notes: Prem Bonus: 3.00-5.00
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
 
Guaranteed Minimum Value: 87.5% of Premium at 2.75%  (GMR/1000 $1,205)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00
1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05
1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25    
Fixed 1-Year Fixed Rate (no bonus) 2.00%

Aviva Life & Annuity (Income Series)

Income Select Plus S

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 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

DE OR PA
0-75: 5.00
76-78: 3.00
Withdrawal Notes: Prem Bonus: 3.00-5.00
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
 
Guaranteed Minimum Value: 87.5% of Premium at 2.75%  (GMR/1000 $1,205)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.00%
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00
1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25    

Aviva Life & Annuity (Income Series)

Lifetime Solutions Annuity

Low-Band

Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
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:

FL HI NJ NY OR PA PR VI WA
0-74: 7.00
75-78: 5.00
Withdrawal Notes: Prem Bonus: 3.00-6.00
For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states CT (10 years): 10 9 8 7 6 5 4 3 2 1
For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,025)
Account Name Indicie Type Reset Averaging Part Spread Cap
2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.90
1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.55
1-Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.35%
1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None     3.00

Aviva Life & Annuity (Income Series)

Lifetime Solutions Annuity

High-Band

Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

FL HI NJ NY OR PA PR VI WA
0-74: 7.00
75-78: 5.00
Withdrawal Notes: Prem Bonus: 5.00-7.00
For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states CT (10 years): 10 9 8 7 6 5 4 3 2 1
For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,034)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.35%
1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None     3.00
2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.90
1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.55

Great American Life Insurance Company

American Valor® 10
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

DE NY PR VI
Qualified
18-75: 5.40
76-80: 4.05
81-UP: 2.25
Non-Qual
0-75: 5.40
76-80: 4.05
81-UP: 2.25
Withdrawal Notes: Premium Bonus: 2.00
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 1.00%  (GMR/1000 $1,127)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.50
Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.40%
1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     3.50

Great American Life Insurance Company

Safe Return
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

DE NY PR VI
Qualified
18-75: 5.85
76-80: 4.95
81-85: 2.25
Non-Qual
0-75: 5.85
76-80: 4.95
81-85: 2.25
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 1.00%  (GMR/1000 $1,105)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     4.00
Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.10%
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     4.00
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Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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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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