SPIA Products

State

Premium

Qual

Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Insurance Company of North America Single Premium Immediate Elite Annuity	A	99	99	25,000	25,000	0-99: 3.00 see notes
American Equity Investment Life Insurance Company SPIA-1	A-	90	90	10,000	10,000	0-90: 4.00
American National Insurance Company Palladium (SPIA)	A	90	90	15,000	3,500	see notes
Fidelity & Guaranty Life FG Immediate-Income	B++	100	100	10,000	10,000	0-90: 2.00 see notes
Fidelity & Guaranty Life FG Immediate-Safeguard	B++	100	100	5,000	5,000	see notes
National Western Life SPIA	A	0	0	5,000	5,000	Call
Presidential Life Single Premium Immediate Annuity	B++	0	0	2,000	2,000	0-99: 2.50 see notes
Presidential Life Single Premium Immediate Income	B++	0	0	2,000	2,000	Call

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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