Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Surrender Charges Last 17 Years
|
American Equity Investment Life Insurance Company
Bonus Gold (Index-1-05 & Index-7-05-OK)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
DE OK
|
0-75: 8.20+ 76-80: 6.15+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states DE (17 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16.5 |
15.5 |
14 |
12.5 |
11 |
9 |
7 |
5 |
3 |
2 |
|
For states OK (17 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16.5 |
15.5 |
14 |
12.5 |
11 |
9 |
7 |
5 |
3 |
2 |
|
Age 79+ in states OK (17 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17 |
16 |
15 |
13.5 |
12 |
10 |
8 |
6 |
4 |
2 |
0 |
0 |
|
|
| Guaranteed Minimum Value: |
84% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.30%
|
| S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| S&P 500 Monthly Average w/ PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| S&P 500 Monthly Average w/ CAP |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| S&P 500 Annual Point-to-Point w/ PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| S&P 500 Annual Point-to-Point w/ CAP |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| Dow Jones Annual Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
|
|
5.75
|
| Lehman Brothers U.S. Aggregate Annual Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
|
Surrender Charges Last 16 Years
|
American Equity Investment Life Insurance Company
Bonus Gold (Index 1-07)
|
| 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- 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 OK OR PR TX UT VI WA
|
0-75: 6.00+ 76-80: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 16 years: |
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
84% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Value |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
| 1-Year S&P 500 Point-to-Point PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 500 Monthly Average PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| 1-Year S&P 500 Monthly Average Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| 1-Year Dow Jones Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
None |
|
|
5.75
|
| 1-Year Dow Jones Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| 1-Year Lehman U.S. Aggregate Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
|
Surrender Charges Last 15 Years
|
Life of the Southwest
SecurePlus Accumulator 5
|
| Non-Qualified |
| Owner: | 65 |
| Annuitant: | 65 |
| Qualified |
| Owner: | 65 |
| Annuitant: | 65 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| 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:
AL CT GA IL MN NJ NY OR PA PR UT VI WA
|
0-70: 7.00+ 71-75: 6.00+ 76-80: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 15 years: |
|
14 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.45%
(GMR/1000 $1,321)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Ending Index Account |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
5.00
|
| Average Index Account |
S&P 500 |
Point to Point
|
Annual |
Monthly |
40
|
|
100.00
|
| Declared Interest Account |
1-Year
Fixed Rate with Bonus
|
2.45% +5.00 Bonus
|
|
Life of the Southwest
SecurePlus Platinum
|
| Non-Qualified |
| Owner: | 62 |
| Annuitant: | 62 |
| Qualified |
| Owner: | 62 |
| Annuitant: | 62 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 CT NJ NY OR PR VI WA
|
0-70: 10.00+ 71-75: 9.00+ 76-80: 8.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 15 years: |
|
14 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.45%
(GMR/1000 $1,258)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| Average Index Account |
S&P 500 |
Point to Point
|
Annual |
Daily |
40
|
|
100.00
|
| Ending Index Account |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
5.60
|
|
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)
|
2.25%
|
| Option D: Annual Reset with Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| Option A: Annual Reset with Monthly Averaging |
S&P 500 |
Point to Point
|
Annual |
Monthly |
75
|
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 DE IL IN MA MN MS NJ NY OR PA UT WA
|
| 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 1.50%
(GMR/1000 $1,203)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option B: Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.90%
|
| Option A: Monthly Averaging Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly |
75
|
0.25
|
|
| Option D: Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.75
|
|
|
Surrender Charges Last 14 Years
|
American Equity Investment Life Insurance Company
Retirement Gold (02-09)
|
| 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- 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 NV NY OR PA PR SC UT VI WA
|
0-78: 6.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
5.00-10.00
|
| Withdrawal Charges 14 years: |
|
12.5 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.25%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| S&P 500 Monthly Average w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| S&P 500 Monthly Average w/ Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.25
|
| S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| S&P 500 Point-to-Point w/ Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.40
|
|
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 1.50%
(GMR/1000 $1,132)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.85%
|
| Option A: Monthly Average Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
0.75
|
|
| Option D: Monthly Cap Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
|
|
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 1.50%
(GMR/1000 $1,062)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option B: Fixed Account |
1-Year
Fixed Rate (no bonus)
|
3.25%
|
| Option A: Monthly Averaging Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly |
75
|
0.25
|
|
| Option D: Monthly Cap Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
|
|
Surrender Charges Last 12 Years
|
American Equity Investment Life Insurance Company
Income Gold (Index 3-07)
|
| 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- 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:
AL CT DE MN NY OR PR TX UT VI WA
|
0-75: 5.63+ 76-80: 4.22+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
15 |
14 |
13 |
12 |
11 |
10 |
8.5 |
7 |
5.5 |
4 |
2.5 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Monthly Average PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| 1-Year S&P 500 Monthly Average Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| 1-Year S&P 500 Point-to-Point PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
| 1-Year Lehman U.S. Aggregate Point-to-Point Cap |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Dow Jones Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| 1-Year Dow Jones Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
None |
|
|
5.75
|
|
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 TX 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 |
|
|
9.00
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
|
Life of the Southwest
SecurePlus Elite
|
| Non-Qualified |
| Owner: | |
| Annuitant: | |
| Qualified |
| Owner: | 70 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
CT IL MA ME MN 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 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.95%
(GMR/1000 $1,135)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.10%
|
| Average Index Account |
S&P 500 |
Point to Point
|
Annual |
Daily |
35
|
|
100.00
|
| Ending Index Account |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
4.60
|
|
Life of the Southwest
SecurePlus Premier 8
|
| 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- 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 IN MT NJ NV NY OR PR UT VI WA
|
0-75: 8.00+ 76-80: 5.00+ 81-85: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 12 years: |
|
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.95%
(GMR/1000 $1,169)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.95%
|
| S&P 500 Ending Index Rate Option 1 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
3.75
|
| S&P 500 Ending Index Rate Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
50
|
|
3.95
|
| 1-Year S&P 500 Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
30
|
|
|
| Russell 2000 Ending Index Rate Option 1 |
Russell 2000 |
Point to Point
|
Annual |
None |
100
|
|
3.75
|
| Russell 2000 Ending Index Rate Option 2 |
Russell 2000 |
Point to Point
|
Annual |
None |
50
|
|
3.95
|
|
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 TX 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)
|
2.35%
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
9.35
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
3.40
|
|
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 TX 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)
|
2.35%
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
3.40
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
9.35
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
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)
|
2.25%
|
| Option D: Annual Reset with Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| Option A: Annual Reset with Monthly Averaging |
S&P 500 |
Point to Point
|
Annual |
Monthly |
75
|
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 CT DE HI MN NJ NY OK OR PA PR TX 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
|
1.20% +1.00 Bonus
|
| 1-Year DJIA Quarterly Additive Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
Quarterly Sum |
100
|
0.00
|
2.50
|
| 1-Year DJIA Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
100
|
0.00
|
5.00
|
| 1-Year S&P 500 Monthly Additive Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
2.00
|
| 1-Year S&P 500 Annual Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.50
|
|