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 DC DE IA LA MA MD MN MO MT NY OR PR 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: |
|
|
| 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
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 DC DE IA LA MA MD MN MO MT NY OR PR 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: |
|
|
| 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
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 DC DE IA LA MA MD MN MO MT NY OR PR 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: |
|
|
| 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
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: 7.50+ 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 |
Monthly Crediting
|
Annual |
None |
|
|
0.75
|
|
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: 7.50+ 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 |
Monthly Crediting
|
Annual |
None |
|
|
1.00
|
| 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: 7.50+ 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 |
Monthly Crediting
|
Annual |
None |
|
|
1.25
|
|
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: |
87.5% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.10%
|
| 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 |
|
|
6.50
|
| 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 |
|
|
6.50
|
| S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| 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 |
|
|
6.50
|
| Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
|
|
6.50
|
|
|
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 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: |
87.5% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 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 |
|
|
6.50
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.50
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| Fixed Value |
1-Year
Fixed Rate (no bonus)
|
3.10%
|
| 1-Year Dow Jones Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
None |
|
|
6.50
|
| 1-Year Dow Jones Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| 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
|
|
6.65
|
| Average Index Account |
S&P 500 |
Point to Point
|
Annual |
Monthly |
55
|
|
100.00
|
| Declared Interest Account |
1-Year
Fixed Rate with Bonus
|
3.15% +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)
|
3.30%
|
| Average Index Account |
S&P 500 |
Point to Point
|
Annual |
Daily |
60
|
|
100.00
|
| Ending Index Account |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
7.15
|
|
|
Surrender Charges Last 14 Years
|
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 FL 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 3.00%
(GMR/1000 $1,456)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.85%
|
| 1-Year S&P 500 Daily Average Cap |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
7.00
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| 2-Year S&P 500 Monthly Averaging Cap Account |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
100.00
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.65
|
| 1 Year S&P 500 Monthly Average Participation |
S&P 500 |
Point to Point
|
Annual |
Monthly |
70
|
|
|
|
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 MN NY OR PR TX UT VI WA
|
|
| 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 3.00%
(GMR/1000 $1,403)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| 1-Year S&P 500 Point-to-Point w/Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.50
|
| 1-Year S&P 500 Daily Average w/ Cap |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
6.00
|
| 1-Year S&P 500 Monthly Average w/Participation |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
|
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.40
|
| 2-Year Monthly Average Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
20.00
|
|
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: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
11.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,132)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.80
|
| 1-Year S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
7.15
|
| 1-Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| 1-Year Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
|
|
5.20
|
| 1-Year Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
4.60
|
| 1-Year NASDAQ-100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1-Year Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.60
|
| 1-Year Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
|
|
6.20
|
| 1-Year Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
100
|
|
5.05
|
| 1-Year Lehman Bros. US Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
3.00
|
| 1-Year Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
5.35
|
| 1-Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
4.55
|
| 1-Year S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
|
|
5.25
|
| 1-Year S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.70
|
|
North American Company
Freedom Choice (5%) 14
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
4.85%
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
4.10
|
| 1-Year Annual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
10.70
|
| 1-Year Annual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
10.25
|
| 1-Year Annual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.75
|
| 1-Year Annual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
10.50
|
| 1-Year Annual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
9.25
|
| 1-Year Annual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
9.00
|
| 1-Year Annual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
9.05
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.25
|
|
North American Company
Freedom Choice (5%) 14
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Annual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
11.45
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
4.35
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
5.20%
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.45
|
| 1-Year Annual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
9.80
|
| 1-Year Annual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
9.75
|
| 1-Year Annual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
10.50
|
| 1-Year Annual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
11.35
|
| 1-Year Annual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
7.00
|
| 1-Year Annual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
11.10
|
|
North American Company
Freedom Choice 14
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
4.40%
|
| 1-Year Anual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
9.70
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.85
|
| 1-Year Anual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
9.15
|
| 1-Year Anual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
9.40
|
| 1-Year Anual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
9.15
|
| 1-Year Anual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
8.10
|
| 1-Year Anual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.25
|
| 1-Year Anual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
8.10
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.10
|
|
North American Company
Freedom Choice 14
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
4.10
|
| 1-Year Anual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
10.65
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
4.80%
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.25
|
| 1-Year Anual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
9.00
|
| 1-Year Anual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.75
|
| 1-Year Anual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
9.00
|
| 1-Year Anual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
9.20
|
| 1-Year Anual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
10.45
|
| 1-Year Anual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
10.20
|
|
North American Company
North American Prizm Plus 14
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CT DE MN NV NY OR PR UT VI WA
|
0-75: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,122)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
3.00%
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.00
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year S&P 500 Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
60
|
|
|
| 1-Year S&P 400 Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 400 Monthly Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
40
|
|
|
| 1-Year DJIA Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year DJIA Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
60
|
|
|
| 1-Year DJ EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year Russell 2000 Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Russell 2000 Monthly Averaging |
Russell 2000 |
Point to Point
|
Annual |
Monthly |
45
|
|
|
| 1-Year Lehman Bros. U.S. Aggregate Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
55
|
|
|
| 1-Year Nasdaq 100 Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
30
|
|
|
| 1-Year Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly |
|
|
2.30
|
|
North American Company
Precision 14
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CT DE MN NY OR PR UT VI WA
|
0-75: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
11.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,132)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
45
|
|
100.00
|
| Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| Lehman Bros. US Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
60
|
|
100.00
|
| Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
75
|
|
5.50
|
| Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| 1 - Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Daily |
45
|
|
100.00
|
| S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
55
|
|
5.50
|
| S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
|
2.80
|
| S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
60
|
|
100.00
|
| S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
70
|
|
6.50
|
|