Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Featured Products
|
|
Surrender Charges Last 10 Years
|
Forethought Financial
Guaranteed Destinations
Low-Band
|
| 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- 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 AZ CT DE IA LA MA MD MN MO MT NY OR PR TX UT VI VT WA
|
0-75: 5.00+ 76-85: 3.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.00
|
| Fixed Account Strategy: |
1-Year
Fixed Rate (no bonus)
|
2.25%
|
| Short-Term Account Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
Forethought Financial
Guaranteed Destinations
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AZ CT DE IA LA MA MD MN MO MT NY OR PR TX UT VI VT WA
|
0-75: 5.00+ 76-85: 3.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account Strategy: |
1-Year
Fixed Rate (no bonus)
|
2.25%
|
| Short-Term Account Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| Monthly Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.00
|
|
Forethought Financial
Guaranteed Destinations
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| 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 AZ CT DE IA LA MA MD MN MO MT NY OR PR TX UT VI VT WA
|
0-75: 5.00+ 76-85: 3.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.00
|
| Fixed Account Strategy: |
1-Year
Fixed Rate (no bonus)
|
2.25%
|
| Short-Term Account Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
Forethought Financial
Income 125
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| 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 NV NY OR PR VI WA
|
0-75: 7.00+ 76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CO, GA, HI, ID, IN, KS, KY, LA, ME, MI, NC, NE, NH, OH, OK, SD, TN, VA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states DE, MN, SC, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,067)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account Strategy |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Monthly Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.10
|
|
Forethought Financial
Income 125
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK NV NY OR PR VI WA
|
0-75: 7.00+ 76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CO, GA, HI, ID, IN, KS, KY, LA, ME, MI, NC, NE, NH, OH, OK, SD, TN, VA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states DE, MN, SC, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,067)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.35
|
| Fixed Account Strategy |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
|
Forethought Financial
Income 125
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| 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 NV NY OR PR VI WA
|
0-75: 7.00+ 76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CO, GA, HI, ID, IN, KS, KY, LA, ME, MI, NC, NE, NH, OH, OK, SD, TN, VA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states DE, MN, SC, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,067)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account Strategy |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Monthly Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.65
|
|
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
|
| Lehman Brothers U.S. Aggregate Annual Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 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
|
|
|
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 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 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 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 |
| Declared Interest Account |
1-Year
Fixed Rate with Bonus
|
2.45% +5.00 Bonus
|
| 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
|
|
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
|
|
|
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
|
|
EquiTrust Life Insurance Company
Market Power Bonus Index
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
| Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
CT DE MN NY OR PR TX UT VI WA
|
0-80: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (14 years):
|
20 |
20 |
19 |
19 |
18 |
17 |
16 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (10 years):
|
17 |
16 |
15 |
15 |
14 |
13 |
12 |
11 |
10 |
9.5 |
|
|
|
|
|
For states AK (10 years):
|
17 |
15 |
14 |
12 |
10 |
9 |
7 |
4 |
3 |
1 |
|
|
|
|
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,106)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1-Year S&P 500 Daily Average Cap |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
5.00
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 2-Year S&P 500 Monthly Averaging Cap Account |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
12.00
|
| 1 Year S&P 500 Monthly Average Participation |
S&P 500 |
Point to Point
|
Annual |
Monthly |
40
|
|
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
|
EquiTrust Life Insurance Company
MarketTwelve Bonus
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
| Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
|
| 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 DE FL MN NY OR PR TX UT VI WA
|
0-80: 9.00
|
| Withdrawal Notes: |
|
Premium Bonus:
6.00
|
| Withdrawal Charges 14 years: |
|
20 |
20 |
19 |
19 |
18 |
17 |
16 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,066)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| 1-Year S&P 500 Point-to-Point w/Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Daily Average w/ Cap |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
4.00
|
| 1-Year S&P 500 Monthly Average w/Participation |
S&P 500 |
Point to Point
|
Annual |
Monthly |
30
|
|
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.75
|
| 2-Year Monthly Average Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
12.00
|
|
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: 7.50+
|
| 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)
|
2.15%
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1-Year S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
4.50
|
| 1-Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.15
|
| 1-Year Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
100
|
0.00
|
3.70
|
| 1-Year NASDAQ-100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.10
|
| 1-Year Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
|
|
4.30
|
| 1-Year Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
100
|
|
4.00
|
| 1-Year Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
|
|
3.90
|
| 1-Year Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
3.80
|
| 1-Year Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.45
|
| 1-Year S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
|
|
3.90
|
| 1-Year S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
100
|
0.00
|
3.85
|
|
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)
|
3.55%
|
| 1-Year Annual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
7.15
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
7.15
|
| 1-Year Annual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
7.05
|
| 1-Year Annual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
7.05
|
| 1-Year Annual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
6.45
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
6.45
|
| 1-Year Annual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
6.70
|
| 1-Year Annual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
6.85
|
|
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 |
|
|
7.90
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.50
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
3.90%
|
| 1-Year Annual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
7.60
|
| 1-Year Annual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
7.40
|
| 1-Year Annual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
7.20
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.15
|
| 1-Year Annual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
7.85
|
| 1-Year Annual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
7.90
|
|
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)
|
3.15%
|
| 1-Year Anual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
6.05
|
| 1-Year Anual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
6.05
|
| 1-Year Anual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
5.60
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.80
|
| 1-Year Anual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
5.80
|
| 1-Year Anual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
5.90
|
| 1-Year Anual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.25
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.00
|
|
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 Fixed |
1-Year
Fixed Rate (no bonus)
|
3.55%
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.25
|
| 1-Year Anual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
7.10
|
| 1-Year Anual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
6.80
|
| 1-Year Anual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
6.65
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.00
|
| 1-Year Anual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
6.45
|
| 1-Year Anual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
7.00
|
| 1-Year Anual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
7.00
|
|
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 TX UT VI WA
|
0-75: 7.50+
|
| 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)
|
2.15%
|
| 1-Year S&P 400 Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
20
|
|
|
| 1-Year S&P 400 Monthly Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
25
|
|
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 500 Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
40
|
|
|
| 1-Year Russell 2000 Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
15
|
|
|
| 1-Year Russell 2000 Monthly Averaging |
Russell 2000 |
Point to Point
|
Annual |
Monthly |
30
|
|
|
| 1-Year Nasdaq 100 Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
20
|
|
|
| 1-Year Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly |
|
|
2.10
|
| 1-Year DJIA Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year DJIA Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
40
|
|
|
| 1-Year DJ EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
25
|
|
|
|
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: 7.50+
|
| 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 |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.15%
|
| Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
35
|
|
5.00
|
| Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
45
|
|
5.00
|
| Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
40
|
|
5.00
|
| Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.10
|
| Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
30
|
|
5.00
|
| Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
25
|
|
5.00
|
| Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
25
|
|
5.00
|
| 1 - Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
25
|
|
5.00
|
| S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
|
2.20
|
| S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
40
|
|
5.50
|
| S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
5.50
|
| S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Daily |
30
|
|
5.00
|
| S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
30
|
|
5.00
|
|
|
Surrender Charges Last 12 Years
|
American Equity Investment Life Insurance Company
Bonus 5 (INDEX-3-07-WA)
|
| 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:
WA
|
0-57: 6.00+ 58-80: 4.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
Withdrawal Charges 12 years:
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
Age 57+
(12 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5.25 |
4.25 |
3 |
2 |
1 |
0.5 |
0 |
0 |
|
|
| Guaranteed Minimum Value: |
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 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
|
| S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
|
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 |
|
|
8.50
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
|
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: 6.00+ 76-80: 4.50+ 81-85: 2.50+
|
| Non-Qual |
0-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+
|
|
| 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
|
|
5.25
|
| 1 Year S&P 500 Monthly Average with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| Declared Rate Strategy |
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%
|
| 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
|
| 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
|
|
|
|
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: 4.00
|
| 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)
|
2.10%
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.50
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.45
|
|
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: 4.00
|
| 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)
|
2.10%
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.45
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.50
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
OM Financial (Legacy)
AmeriMark Freedom
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 |
No- 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 MA MN NY OR PR TX UT VI VT WA
|
0-80: 9.00 81-85: 4.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 12 years: |
|
13.5 |
12.5 |
11.5 |
10.5 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $986)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.90%
|
| Annual Point-to-Point 3 Yr Highwater |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
7.00
|
| Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.50
|
| Monthly Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
1.50
|
| 2-Year Monthly Average w/ Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
11.00
|
|
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
|
1.05% +1.00 Bonus
|
| 1-Year DJIA Quarterly Additive Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
Quarterly Sum |
100
|
0.00
|
2.00
|
| 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
|
1.50
|
| 1-Year S&P 500 Annual Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.00
|
|