Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Surrender Charges Last 10 Years
|
North American Company
Guarantee Choice 10
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 200,000 |
| Monthly: | 200,000 |
| Qualified |
| Single: | 200,000 |
| Monthly: | 200,000 |
|
| 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 DE MN MO NY OR PR UT VA VI WA
|
0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
10 |
10 |
9 |
8 |
6 |
4 |
2 |
|
For states CA (10 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
|
For states FL, IL (10 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
0.75 |
|
For states TX (10 years):
|
8 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
0.5 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
3.4
|
1.00
|
3.40
|
3.40
|
|
North American Company
Guarantee Choice 10
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| 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 DE MN MO NY OR PR UT VA VI WA
|
0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
10 |
10 |
9 |
8 |
6 |
4 |
2 |
|
For states CA (10 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
|
For states FL, IL (10 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
0.75 |
|
For states TX (10 years):
|
8 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
0.5 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
3.25
|
1.00
|
3.25
|
3.25
|
|
ReliaStar Life Insurance Company
ING MVA Annuity 10
Low-Band
|
| 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 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not Available in:
AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA
|
| Qualified |
0-75: 5.75 76-90: 2.87
|
| Non-Qual |
0-75: 5.30 76-90: 2.65
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
3
|
3.00
|
3.00
|
3.00
|
|
ReliaStar Life Insurance Company
ING MVA Annuity 10
Mid-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 35,000 |
| Monthly: | 35,000 |
| Qualified |
| Single: | 35,000 |
| Monthly: | 35,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not Available in:
AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA
|
| Qualified |
0-75: 5.75 76-90: 2.87
|
| Non-Qual |
0-75: 5.30 76-90: 2.65
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
3
|
3.00
|
3.00
|
3.00
|
|
ReliaStar Life Insurance Company
ING MVA Annuity 10
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not Available in:
AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA
|
| Qualified |
0-75: 5.75 76-90: 2.87
|
| Non-Qual |
0-75: 5.30 76-90: 2.65
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
3
|
3.00
|
3.00
|
3.00
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10
High-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:
MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| 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
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.45
|
1.00
|
2.45
|
2.45
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10
High-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 |
|
Only Available in:
NY
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| 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
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.45
|
1.00
|
2.45
|
2.45
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
| No- Nursing Home |
No- Annualization |
|
Not Available in:
MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| 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
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.3
|
1.00
|
2.30
|
2.30
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
| No- Nursing Home |
No- Annualization |
|
Only Available in:
NY
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| 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
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.3
|
1.00
|
2.30
|
2.30
|
|
|
Surrender Charges Last 9 Years
|
North American Company
Guarantee Choice 9
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 200,000 |
| Monthly: | 200,000 |
| Qualified |
| Single: | 200,000 |
| Monthly: | 200,000 |
|
| 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 DE MN MO NY OR PR UT VA VI WA
|
0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (9 years):
|
10 |
10 |
10 |
10 |
10 |
9 |
8 |
6 |
4 |
|
For states CA (9 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
|
For states FL, IL (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states TX (9 years):
|
8 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-9
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
|
9 Years
|
none |
3.3
|
1.00
|
3.30
|
3.30
|
|
North American Company
Guarantee Choice 9
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| 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 DE MN MO NY OR PR UT VA VI WA
|
0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (9 years):
|
10 |
10 |
10 |
10 |
10 |
9 |
8 |
6 |
4 |
|
For states CA (9 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
|
For states FL, IL (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states TX (9 years):
|
8 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-9
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
|
9 Years
|
none |
3.1
|
1.00
|
3.10
|
3.10
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 9
High-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:
MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 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
Years 1-9
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
|
9 Years
|
none |
2.45
|
1.00
|
2.45
|
2.45
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 9
High-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 |
|
Only Available in:
NY
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 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
Years 1-9
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
|
9 Years
|
none |
2.45
|
1.00
|
2.45
|
2.45
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 9
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
| No- Nursing Home |
No- Annualization |
|
Not Available in:
MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 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
Years 1-9
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
|
9 Years
|
none |
2.3
|
1.00
|
2.30
|
2.30
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 9
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
| No- Nursing Home |
No- Annualization |
|
Only Available in:
NY
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 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
Years 1-9
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
|
9 Years
|
none |
2.3
|
1.00
|
2.30
|
2.30
|
|
|
Surrender Charges Last 8 Years
|
North American Company
Guarantee Choice 8
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 200,000 |
| Monthly: | 200,000 |
| Qualified |
| Single: | 200,000 |
| Monthly: | 200,000 |
|
| 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 DE MN MO NY OR PR UT VA VI WA
|
0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (8 years):
|
10 |
10 |
10 |
10 |
10 |
9 |
8 |
6 |
|
For states CA (8 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
|
For states FL, IL (8 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
For states TX (8 years):
|
8 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
3.1
|
1.00
|
3.10
|
3.10
|
|
North American Company
Guarantee Choice 8
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| 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 DE MN MO NY OR PR UT VA VI WA
|
0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (8 years):
|
10 |
10 |
10 |
10 |
10 |
9 |
8 |
6 |
|
For states CA (8 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
|
For states FL, IL (8 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
For states TX (8 years):
|
8 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
2.9
|
1.00
|
2.90
|
2.90
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 8
High-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:
MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 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
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
2.35
|
1.00
|
2.35
|
2.35
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 8
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
| No- Nursing Home |
No- Annualization |
|
Only Available in:
NY
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 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
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
2.35
|
1.00
|
2.35
|
2.35
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 8
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
| No- Nursing Home |
No- Annualization |
|
Only Available in:
NY
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 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
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
2.2
|
1.00
|
2.20
|
2.20
|
|