Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 15 Years
|
American Equity Investment Life Insurance Company
Premier Eagle 10 (FPDA-7-08)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AL CT FL IN MN NV NY OR PA PR TX VI WA
|
0-75: 5.00+
76-80: 3.75+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-10.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, RI, SD, TN, VA, VT, WI, WV, WY (15 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16 |
15 |
14 |
12 |
10 |
7.5 |
5 |
2.5 |
|
Age 76+ in states AK, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, UT, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
9.5 |
8 |
6.5 |
5 |
2.5 |
|
|
|
|
|
|
For states AK, DE, SC, UT (9 years):
|
12 |
11 |
9.5 |
8.25 |
7 |
5.5 |
4.25 |
2.75 |
1.25 |
|
|
|
|
|
|
|
For states OK (15 years):
|
16.5 |
16 |
15.25 |
14.25 |
13.5 |
12.5 |
11.5 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
Rate Changed: 10/08/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
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
|
1.50
|
2.65
|
2.18
|
|
National Western Life
NWL Future Assurance
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT MS NV NY OR
|
| Qualified |
0-70: 5.00+
71-75: 1.00+
76-80: 0.50+
|
| Non-Qual |
0-75: 5.00+
76-80: 3.00+
|
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-10.00
|
|
Ages 0 to 46 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, VI, VT, WI, WV, WY (15 years):
|
19.25 |
18.5 |
17.75 |
16.75 |
16 |
15.25 |
14.5 |
13.5 |
12.75 |
12 |
10 |
8 |
6 |
4 |
2 |
|
Ages 47 to 47
(15 years):
|
19 |
18.25 |
17.5 |
16.75 |
15.75 |
15 |
14.25 |
13.25 |
12.5 |
11.75 |
10 |
8 |
6 |
4 |
2 |
|
Ages 48 to 48
(15 years):
|
18.25 |
17.5 |
16.75 |
15.75 |
15 |
14.25 |
13.25 |
12.5 |
11.75 |
10.75 |
10 |
8 |
6 |
4 |
2 |
|
Ages 49 to 49
(15 years):
|
17.5 |
16.75 |
15.75 |
15 |
14.25 |
13.25 |
12.5 |
11.75 |
10.75 |
10 |
9 |
8 |
6 |
4 |
2 |
|
Ages 50 to 50
(15 years):
|
16.75 |
15.75 |
15 |
14.25 |
13.25 |
12.5 |
11.75 |
10.75 |
10 |
9 |
8.25 |
7.25 |
6 |
4 |
2 |
|
Ages 51 to 51
(15 years):
|
15.75 |
15 |
14.25 |
13.25 |
12.5 |
11.75 |
10.75 |
10 |
9 |
8.25 |
7.25 |
6.5 |
5.5 |
4 |
2 |
|
Ages 52 to 52
(15 years):
|
15 |
14.25 |
13.25 |
12.5 |
11.75 |
10.75 |
10 |
9 |
8.25 |
7.25 |
6.5 |
5.5 |
4.5 |
3.75 |
2 |
|
Ages 53 to 53
(15 years):
|
14.25 |
13.25 |
12.5 |
11.75 |
10.75 |
10 |
9 |
8.25 |
7.25 |
6.5 |
5.5 |
4.5 |
3.75 |
2.75 |
1.75 |
|
Ages 54 to 54
(15 years):
|
13.25 |
12.5 |
12.5 |
11.75 |
11 |
10 |
9.25 |
8.25 |
7.5 |
6.5 |
5.5 |
4.75 |
3.75 |
2.75 |
2 |
|
Ages 55 to 55
(15 years):
|
14.25 |
13.5 |
12.5 |
11.75 |
11 |
10 |
9.25 |
8.25 |
7.5 |
6.5 |
5.5 |
4.75 |
3.75 |
2.75 |
2 |
|
Ages 56 to 56
(15 years):
|
15.25 |
14.5 |
13.5 |
12.75 |
11.75 |
11 |
10.25 |
9.25 |
8.5 |
7.5 |
6.5 |
5.75 |
4.75 |
4 |
2 |
|
Ages 57 to 57
(15 years):
|
16.25 |
15.25 |
14.5 |
13.75 |
12.75 |
12 |
11.25 |
10.25 |
9.5 |
8.5 |
7.75 |
6.75 |
6 |
4 |
2 |
|
Ages 58 to 58
(15 years):
|
17.25 |
16.25 |
15.5 |
14.75 |
14 |
13 |
12.25 |
11.25 |
10.5 |
9.75 |
8.75 |
8 |
6 |
4 |
2 |
|
Ages 59 to 59
(15 years):
|
18.25 |
17.25 |
16.5 |
15.75 |
15 |
14 |
13.25 |
12.5 |
11.5 |
10.75 |
10 |
8 |
6 |
4 |
2 |
|
Age 60+
(15 years):
|
19.25 |
18.25 |
17.75 |
16.75 |
16 |
15.25 |
14.5 |
13.5 |
12.75 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states DE, IL, IN, MA, MN, NJ, PA, UT, WA (15 years):
|
9.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
0 |
0 |
0 |
0 |
0 |
0 |
|
Rate Changed: 12/01/11
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.64
|
1.64
|
|
|
Surrender Charges Last 14 Years
|
National Western Life
NWL Benefit Assurance
|
| 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 |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK AL CT DE FL IL IN MA MN MS NJ NV NY OR PA SC UT WA
|
| Qualified |
0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 0.50+
|
| Non-Qual |
0-75: 8.00+
76-80: 6.00+
81-85: 3.50+
|
|
| Withdrawal Notes: |
|
Prem Bonus:
4.00-5.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years):
|
16 |
16 |
15.75 |
15 |
14 |
13.25 |
12.5 |
11.5 |
10.75 |
10 |
8 |
6 |
4 |
2 |
|
For states TX (14 years):
|
11.75 |
11 |
10 |
9.25 |
8.25 |
7.5 |
6.5 |
5.75 |
4.75 |
3.75 |
3 |
2.25 |
1.5 |
0.75 |
|
Rate Changed: 12/01/11
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.35
|
1.35
|
|
|
Surrender Charges Last 12 Years
|
American Equity Investment Life Insurance Company
FPDA-10 (MVA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT FL MN NV NY OR PR TX UT VI
|
0-75: 6.00+
76-80: 4.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
|
For states AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WA, WI, WV, WY (12 years):
|
14 |
13 |
12.5 |
12 |
11.5 |
11 |
9.5 |
8 |
6.5 |
5 |
3.5 |
2 |
|
Age 78+ in states CA, IN, KY, MA, MD, MO, ND, OK, PA, SC, VA (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
|
Age 54+ in states IL, WA (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
|
Rate Changed: 10/08/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.25%
|
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 |
2.25
|
2.25
|
2.42
|
2.42
|
|
|
Surrender Charges Last 10 Years
|
Guaranty Income Life
FlexPlus 10 (3% Bonus)
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-74: 4.25
75-79: 1.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY (10 years):
|
9 |
8 |
7 |
6 |
5 |
5 |
4 |
3 |
2 |
1 |
|
|
For states IA (11 years):
|
8 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0 |
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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% |
5.7
|
1.00
|
3.00
|
1.46
|
|
Guaranty Income Life
FlexPlus 10 (2% Bonus)
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-74: 5.25
75-79: 2.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY (10 years):
|
9 |
8 |
7 |
6 |
5 |
5 |
4 |
3 |
2 |
1 |
|
|
For states IA (11 years):
|
8 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0 |
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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
|
2% |
4.7
|
1.00
|
2.90
|
1.36
|
|
Guaranty Income Life
FlexPlus 10 (1% Bonus)
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-74: 6.25
75-79: 3.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY (10 years):
|
9 |
8 |
7 |
6 |
5 |
5 |
4 |
3 |
2 |
1 |
|
|
For states IA (11 years):
|
8 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0 |
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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% |
3.7
|
1.00
|
2.80
|
1.27
|
|
Guaranty Income Life
FlexPlus 10
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-74: 7.25
75-79: 4.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY (10 years):
|
9 |
8 |
7 |
6 |
5 |
5 |
4 |
3 |
2 |
1 |
|
For states IA (9 years):
|
8 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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
|
1.17
|
|
American Equity Investment Life Insurance Company
Premier Eagle 12 (FRG-2-09)
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK AL CT DE IN MN NV NY OK OR PA PR SC TX UT VI WA
|
0-78: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
9.00
|
| Withdrawal Charges 10 years: |
|
12.5 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
Rate Changed: 10/08/11
|
| 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 |
1.6
|
1.00
|
2.48
|
1.93
|
|
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
|
0-74: 5.00+
75-80: 3.00+
|
| 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
|
|
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
|
0-74: 6.00+
75-80: 3.50+
|
| 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
|
|
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
|
0-74: 7.00+
75-UP: 4.50+
|
| 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
|
|
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
|
0-74: 8.00+
75-90: 5.50+
|
| 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
|
|
Forethought Financial
Secure Bonus 115sm
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- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, 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, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states CT, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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 |
1.5
|
1.00
|
1.50
|
1.05
|
|
Forethought Financial
Secure Bonus 115sm
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- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, 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, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states CT, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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 |
1.5
|
1.00
|
1.50
|
1.05
|
|
Forethought Financial
Secure Bonus 115sm
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- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, 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, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states CT, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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 |
1.5
|
1.00
|
1.50
|
1.05
|
|
Forethought Financial
Secure Bonus 115 Plussm
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK IN ND NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states CT, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.00
|
1.30
|
1.30
|
|
Forethought Financial
Secure Bonus 115 Plussm
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK IN ND NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states CT, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.00
|
1.30
|
1.30
|
|
Forethought Financial
Secure Bonus 115 Plussm
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK IN ND NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states CT, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.00
|
1.30
|
1.30
|
|
Forethought Financial
Secure 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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CA MA MN MT NV NY OR PR VA VI WA
|
0-75: 7.00+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SD, TN, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states AK, CT, DE, FL, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.25
|
1.03
|
|
Forethought Financial
Secure 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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CA MA MN MT NV NY OR PR VA VI WA
|
0-75: 7.00+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SD, TN, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states AK, CT, DE, FL, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.25
|
1.03
|
|
Forethought Financial
Secure 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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CA MA MN MT NV NY OR PR VA VI WA
|
0-75: 7.00+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SD, TN, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states AK, CT, DE, FL, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.25
|
1.03
|
|
|
Surrender Charges Last 9 Years
|
Liberty Bankers Life
Liberty USA 500
High-Band
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-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 AL CT DC DE FL MA ME MN MO MS NH NJ NV NY OR PR RI SC TX UT VI VT WA WY
|
0-70: 6.25
71-79: 4.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 55
(9 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
|
Age 56+
(9 years):
|
13 |
12 |
11 |
10.5 |
9.5 |
8.5 |
7.5 |
6.5 |
5.5 |
|
Rate Changed: 01/15/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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
|
5.25% |
8.25
|
3.00
|
3.57
|
3.57
|
|
Liberty Bankers Life
Liberty USA 500
Low-Band
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| Yes-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 AL CT DC DE FL MA ME MN MO MS NH NJ NV NY OR PR RI SC TX UT VI VT WA WY
|
0-70: 6.25
71-79: 4.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 55
(9 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
|
Age 56+
(9 years):
|
13 |
12 |
11 |
10.5 |
9.5 |
8.5 |
7.5 |
6.5 |
5.5 |
|
Rate Changed: 01/15/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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% |
8
|
3.00
|
3.54
|
3.54
|
|
Liberty Bankers Life
Liberty USA 100
High-Band
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-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 AL CT DC DE FL MA ME MN MO MS NH NJ NV NY OR PR RI SC TX UT VI VT WA WY
|
0-70: 8.25
71-79: 6.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 55
(9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Age 56+
(9 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
|
Rate Changed: 01/15/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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
|
1.25% |
4.25
|
3.00
|
3.14
|
3.14
|
|
Liberty Bankers Life
Liberty USA 100
Low-Band
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| Yes-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 AL CT DC DE FL MA ME MN MO MS NH NJ NV NY OR PR RI SC TX UT VI VT WA WY
|
0-70: 8.25
71-79: 6.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 55
(9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Age 56+
(9 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
|
Rate Changed: 01/15/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
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% |
4
|
3.00
|
3.11
|
3.11
|
|
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
|
0-75: 3.50
76-80: 2.60
81-85: 0.75
|
| 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
|
|
National Western Life
NWL Value Assurance
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK DE IL IN MA MN NJ NY OR PA UT WA
|
| Qualified |
0-70: 5.00+
71-75: 1.50+
76-80: 0.50+
|
| Non-Qual |
0-75: 5.00+
76-80: 3.00+
|
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
| Withdrawal Charges 9 years: |
|
9.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 12/01/11
|
| Guaranteed Minimum Value: |
87.5% 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
|
1.22
|
1.22
|
|
|
Surrender Charges Last 8 Years
|
Liberty Bankers Life
Liberty Select
|
| 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 |
|
| 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 AL CT DC HI MA ME MN MO ND NH NJ NY OR PA PR RI VI VT WY
|
0-80: 5.50+
81-85: 2.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 55
(7 years):
|
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
Age 56+
(7 years):
|
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
Rate Changed: 01/15/12
|
| 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
|
1.5% |
4
|
1.00
|
2.69
|
1.37
|
|
Assurity Life
Encore Bonus
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 0 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 0 |
|
| Non-Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
NY PR UT VI
|
0-75: 6.00
76-80: 5.00
81-90: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Years
2-2
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
2 Year
Fixed
with Bonus
|
2 Years
|
0.05% |
1.55
|
1.50
|
1.51
|
1.13
|
|
|
Surrender Charges Last 7 Years
|
Guaranty Income Life
FlexPlus 7 (3% Bonus)
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-79: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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
|
3.3% |
5.9
|
1.00
|
3.07
|
1.69
|
|
Guaranty Income Life
FlexPlus 7 (2% Bonus)
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-74: 2.50
75-79: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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
|
2% |
4.6
|
1.00
|
2.88
|
1.51
|
|
Guaranty Income Life
FlexPlus 7 (1% Bonus)
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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:
AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV
|
0-74: 3.50
75-79: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 01/01/12
|
| Guaranteed Minimum Value: |
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% |
3.6
|
1.00
|
2.74
|
1.37
|
|
Guaranty Income Life
FlexPlus 7
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
|
