Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
|
Surrender Charges Last 14 Years
|
Midland National Life
MNL Flex III
|
| 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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT IL MN NV NY OK OR PR TX UT VI WA
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2
|
1.00
|
2.70
|
1.76
|
|
North American Company
North American Flex III
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR TX UT VI WA
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states FL (14 years):
|
18 |
17 |
16 |
15 |
14 |
13 |
12 |
11 |
10 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
14 |
13 |
12 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.85
|
1.00
|
2.55
|
1.75
|
|
|
Surrender Charges Last 10 Years
|
Midland National Life
MNL Flex II
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT IL MN NV NY OK OR PR TX UT VI WA
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.9
|
1.00
|
2.40
|
1.58
|
|
North American Company
North American Flex II
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | |
| Qualified |
| Owner: | 79 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR TX UT VI WA
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states FL (10 years):
|
15 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
4 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.8
|
1.00
|
2.30
|
1.57
|
|
American National Insurance Company
Palladium Century 7
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
7% |
8.55
|
1.00
|
2.23
|
1.73
|
|
North American Company
Boomer Annuity
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE MN MS NY OR PA PR TX UT VI WA
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (10 years):
|
14 |
13 |
12 |
11 |
10 |
9 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.65
|
1.00
|
2.15
|
1.56
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year)
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
CT DE MN NJ NV NY OR PA PR WA
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, UT, VA, VI, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.55
|
1.00
|
2.05
|
1.55
|
|
American National Insurance Company
Palladium Century 5
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
6.55
|
1.00
|
2.04
|
1.54
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Bonus (1-Year)
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CT DE MN NJ NV NY OR PA PR UT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.6
|
1.00
|
2.00
|
1.46
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Xtra (1-Year)
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NV NY OR PA PR UT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.6
|
1.00
|
2.00
|
1.46
|
|
American National Insurance Company
Palladium Century 3
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
4.55
|
1.00
|
1.85
|
1.35
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CT DE MN NJ NY OR PA PR VI WA
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.55
|
1.00
|
1.75
|
1.26
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus S
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
CT DE MN OR WA
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.75
|
1.52
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) S
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Only
Available in:
CT DE MN OR PA WA
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.75
|
1.52
|
|
American National Insurance Company
Palladium Century 1
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2.55
|
1.00
|
1.65
|
1.15
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus S
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
CT DE MN OR WA
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.49
|
1.49
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year)
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
CT DE MN NJ NV NY OR PA PR WA
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, UT, VA, VI, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.49
|
1.49
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) S
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Only
Available in:
CT DE MN OR PA WA
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.49
|
1.49
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Bonus (1-Year)
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CT DE MN NJ NV NY OR PA PR UT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.40
|
1.40
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Xtra (1-Year)
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NV NY OR PA PR UT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.40
|
1.40
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CT DE MN NJ NY OR PA PR VI WA
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.20
|
1.20
|
|
|
Surrender Charges Last 9 Years
|
EquiTrust Life Insurance Company
ChoiceFour (MVA Option)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
| Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA
|
| Withdrawal Notes: |
|
Premium Bonus:
1.50
|
|
For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, WI, WV, WY (9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states FL (9 years):
|
10 |
10 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states NV (9 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
|
Rate Changed: 10/24/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.5
|
2.00
|
2.67
|
2.22
|
|
EquiTrust Life Insurance Company
ChoiceFour (Base Contract)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, WI, WV, WY (9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states FL (9 years):
|
10 |
10 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states NV (6 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
4.5 |
|
|
|
|
Rate Changed: 10/24/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.5
|
2.00
|
2.50
|
2.06
|
|
North American Company
North American Director
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 0 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 0 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states TX (9 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
3% |
4.8
|
1.80
|
2.13
|
1.77
|
|
Presidential Life
FPDA, No Load Flex
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 120 |
| Monthly: | 120 |
| Qualified |
| Single: | 120 |
| Monthly: | 120 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
|
Not
Available in:
NH OR PR VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 08/24/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.10%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.65
|
1.10
|
1.65
|
1.16
|
|
|
Surrender Charges Last 7 Years
|
Integrity Life Insurance
New Momentum QIO
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
ME NH NY OR PR VI VT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
4
|
1.00
|
4.00
|
1.42
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3) Year
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
3.6
|
3.10
|
3.17
|
1.97
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3) Year
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
3.35
|
2.85
|
2.92
|
1.86
|
|
Integrity Life Insurance
SPDA Series II 1
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
ME NH NY PR VI VT
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.7
|
1.00
|
2.70
|
1.24
|
|
National Integrity Life Insurance
SPDA Series II 1
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Only
Available in:
NY
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.7
|
1.00
|
2.70
|
1.24
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3) Year
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
3.05
|
2.55
|
2.62
|
1.73
|
|
Symetra Life Insurance Company
Symetra Custom 7 (5) Year
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
0.5% |
2.85
|
2.35
|
2.42
|
2.03
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP)
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
2.65
|
2.15
|
2.22
|
1.56
|
|
Symetra Life Insurance Company
Symetra Custom 7 (5) Year
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
0.5% |
2.65
|
2.15
|
2.22
|
1.89
|
|
Presidential Life
Patriot 1 Year SPDA
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
OR PR VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 08/24/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.10%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.2
|
1.10
|
2.20
|
1.26
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP)
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
2.4
|
1.90
|
1.97
|
1.46
|
|
National Integrity Life Insurance
SPDA Series II 5
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Only
Available in:
NY
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-5
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
|
5 Years
|
none |
1.95
|
1.00
|
1.95
|
1.68
|
|
Symetra Life Insurance Company
Symetra Custom 7 (5) Year
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
0.5% |
2.3
|
1.80
|
1.87
|
1.64
|
|
Symetra Life Insurance Company
Symetra Custom 7 (5-Year ROP)
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
Fixed
with Bonus
|
5 Years
|
0.5% |
2.3
|
1.80
|
1.87
|
1.64
|
|
Integrity Life Insurance
New Momentum 7
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
ME NH NY OR PR VI VT WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
Fixed
with Bonus
|
7 Years
|
0.75% |
2.5
|
1.75
|
1.86
|
1.86
|
|
Great American Life Insurance Company
Secure American
|
| Non-Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
| Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK MA ND NH NJ NV NY PA PR UT VI WA
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 10/03/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2.6
|
1.00
|
1.74
|
1.23
|
|
Integrity Life Insurance
SPDA Series II 3
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
ME NH NY PR VI VT
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
1% |
2.6
|
1.60
|
1.74
|
1.40
|
|
National Integrity Life Insurance
SPDA Series II 3
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Only
Available in:
NY
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 12/31/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
1% |
2.6
|
1.60
|
1.74
|
1.40
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3) Year
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
2.15
|
1.65
|
1.72
|
1.35
|
|
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP)
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/13/12
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
0.5% |
2.1
|
1.60
|
1.67
|
1.33
|
|
Symetra Life Insurance Company
Symetra Custom 7 (5-Year ROP)
Mid-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY PR VI
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/23/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 02/1
|