Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 10 Years
|
EquiTrust Life Insurance Company
Certainty 10
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
| Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
CT IN MN
|
0-80: 3.00+
81-90: 2.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states IN, MN (10 years):
|
9 |
8.5 |
8 |
7.5 |
7 |
6.5 |
6 |
5.5 |
5 |
4.5 |
|
For states CT (10 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
|
Rate Changed: 03/12/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.15%
|
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 |
4.15
|
2.15
|
4.15
|
4.15
|
|
EquiTrust Life Insurance Company
Certainty Select 10
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
| Qualified |
| Single: | 30,000 |
| Monthly: | 30,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
CT IN MN NY OR PR UT VI WA
|
0-80: 3.00+
81-90: 2.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
5 |
|
For states AK, TX (10 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
|
Rate Changed: 03/12/10
|
| Guaranteed Minimum Value: |
87.5% 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 |
4.15
|
3.00
|
4.15
|
4.15
|
|
North American Company
NA 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE MN 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
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
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 |
3.85
|
2.00
|
3.85
|
3.85
|
|
West Coast Life
Sure Advantage 10
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
DE MN NY PR VI VT
|
0-75: 2.50
76-85: 1.00
|
| Withdrawal Notes: |
|
Premium Bonus:
1.00
|
| Withdrawal Charges 10 years: |
|
8.5 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
0 |
|
Rate Changed: 03/09/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
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 |
3.75
|
1.50
|
3.85
|
3.85
|
|
American National Insurance Company
Palladium MYG Annuity 8
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
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 |
3.8
|
1.50-2.00
|
3.80
|
3.80
|
|
ING USA Annuity and Life
Guaranteed Choice 10
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/17/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
1% |
4.7
|
3.70
|
3.80
|
3.80
|
|
American General Life Insurance Company
AG HorizonSelect 10
|
| 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 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK MN NJ NY OR PA PR UT VI WA
|
0-80: 4.00
81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
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 |
3.75
|
2.00
|
3.75
|
3.75
|
|
American National Insurance Company
Palladium MYG Annuity 10
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 4.00
80-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
1% |
4.65
|
3.65
|
3.75
|
3.75
|
|
Oxford Life Insurance Company
Guarantee Annuity 5
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CA IL LA MA MO MS MT NH NJ NM NV NY OR PA PR VA VI VT WA WV
|
18-75: 2.50
76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 11/01/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1.25% |
4.75
|
3.50
|
3.75
|
3.75
|
|
West Coast Life
Sure Advantage 10
Low-Band
|
| 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
DE MN NY PR VI VT
|
0-75: 2.50
76-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
8.5 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
0 |
|
Rate Changed: 03/09/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
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 |
3.75
|
1.50
|
3.75
|
3.75
|
|
American National Insurance Company
Palladium MYG Annuity 8
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
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 |
3.7
|
1.50-2.00
|
3.70
|
3.70
|
|
ING USA Annuity and Life
Guaranteed Choice 10
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/17/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
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 |
3.7
|
1.50
|
3.70
|
3.70
|
|
Integrity Life Insurance
Momentum Advantage 10
|
| Non-Qualified |
| Owner: | 83 |
| Annuitant: | 83 |
| Qualified |
| Owner: | 83 |
| Annuitant: | 83 |
|
| Non-Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| No- Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK ME NH NY PR SC UT VI VT WA
|
0-79: 3.50
80-83: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, TX, VA, WI, WV, WY (10 years):
|
8 |
8 |
7 |
7 |
6 |
6 |
5 |
5 |
4 |
4 |
|
For states CT (10 years):
|
8 |
8 |
7 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/28/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00-3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
0.75% |
4.35
|
3.60
|
3.67
|
3.67
|
|
Allianz Life
Dominator 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- Flex. Annuity Option |
| Yes-Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| Yes-Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 4.00
76-80: 3.00
81-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
9 |
8.1 |
7.2 |
6.3 |
5.4 |
4.5 |
3.6 |
2.7 |
1.8 |
0.9 |
|
Rate Changed: 03/02/10
|
| Guaranteed Minimum Value: |
90% 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 |
3.65
|
3.00
|
3.65
|
3.65
|
|
American National Insurance Company
Palladium MYG Annuity 10
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 4.00
80-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
1% |
4.55
|
3.55
|
3.65
|
3.65
|
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
CA IL MN MO NV OR PR VI
|
0-75: 2.50
76-80: 1.60
81-85: 1.60
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.70%
|
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 |
3.65
|
1.70
|
3.65
|
3.65
|
|
North American Company
NA 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE MN 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
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
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 |
3.65
|
2.00
|
3.65
|
3.65
|
|
American National Insurance Company
Palladium MYG Annuity 7
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
with Bonus
|
7 Years
|
1% |
4.45
|
3.45
|
3.59
|
3.59
|
|
Allianz Life
Dominator Plus 10
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| Yes-Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| Yes-Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 4.00
76-80: 3.00
81-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
9 |
8.1 |
7.2 |
6.3 |
5.4 |
4.5 |
3.6 |
2.7 |
1.8 |
0.9 |
|
Rate Changed: 03/02/10
|
| Guaranteed Minimum Value: |
90% 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 |
3.55
|
3.00
|
3.55
|
3.55
|
|
American National Insurance Company
Palladium MYG Annuity 9
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 3.00
80-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 9
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
with Bonus
|
9 Years
|
2% |
5.3
|
3.30
|
3.52
|
3.52
|
|
|
Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
CA IL MN MO NV OR PR VI
|
0-75: 2.50
76-80: 1.60
81-85: 1.60
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.70%
|
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 |
3.5
|
1.70
|
3.50
|
3.50
|
|
OM Financial Life Insurance Company
OMGuarantee-Platinum 5
|
| 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 |
|
| Yes-Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MN NY OR PR VI WA
|
0-79: 2.50
80-90: 1.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| 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
MYGA
|
5 Years
|
none |
3.5
|
1.00
|
3.50
|
3.50
|
|
OM Financial Life Insurance Company
OMGuarantee-Platinum 5
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| Yes-Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MN NY OR PR VI WA
|
0-79: 2.50
80-90: 1.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| 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
MYGA
|
5 Years
|
none |
3.5
|
1.00
|
3.50
|
3.50
|
|
Oxford Life Insurance Company
Guarantee Annuity 5
Mid-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CA IL LA MA MO MS MT NH NJ NM NV NY OR PA PR VA VI VT WA WV
|
18-75: 2.50
76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 11/01/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1.25% |
4.5
|
3.25
|
3.50
|
3.50
|
|
American National Insurance Company
Palladium MYG Annuity 7
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
with Bonus
|
7 Years
|
1% |
4.35
|
3.35
|
3.49
|
3.49
|
|
American General Life Insurance Company
AG HorizonSelect 7
|
| 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 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK MN NJ NY OR PA PR UT VI WA
|
0-80: 4.00
81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-7
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
|
7 Years
|
none |
3.45
|
2.00
|
3.45
|
3.45
|
|
American National Insurance Company
Palladium MYG Annuity 9
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 3.00
80-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 9
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
with Bonus
|
9 Years
|
2% |
5.2
|
3.20
|
3.42
|
3.42
|
|
American National Insurance Company
Palladium MYG Annuity 6
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-6
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
MYGA
|
6 Years
|
none |
3.35
|
1.50-2.00
|
3.35
|
3.35
|
|
American General Life Insurance Company
AG HorizonSecure 7
|
| 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 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK NY PR UT VI
|
0-80: 4.00
81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-7
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
|
7 Years
|
none |
3.25
|
2.00
|
3.25
|
3.25
|
|
American National Insurance Company
Palladium MYG Annuity 6
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-6
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
MYGA
|
6 Years
|
none |
3.25
|
1.50-2.00
|
3.25
|
3.25
|
|
Investors Insurance (Legacy)
RateMark 10
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT KY ME MN NH NJ NY OR PR RI UT VA VI VT WA WI
|
0-80: 4.00
81-UP: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Withdrawal Charges 10 years:
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
6 |
3 |
1 |
|
Ages 76 to 80
(10 years):
|
11.5 |
10.5 |
9.5 |
8.5 |
7.5 |
6 |
5 |
4 |
3 |
1 |
|
Age 81+
(10 years):
|
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
1 |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
105% 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 |
3.2
|
1.00
|
3.20
|
3.20
|
|
Investors Insurance (Legacy)
RateMark 7
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT KY ME MN NH NJ NY OR PR RI UT VA VI VT WA WI
|
0-80: 4.00
81-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Withdrawal Charges 10 years:
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
6 |
3 |
1 |
|
Ages 76 to 80
(10 years):
|
11.5 |
10.5 |
9.5 |
8.5 |
7.5 |
6 |
5 |
4 |
3 |
1 |
|
Age 81+
(10 years):
|
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
1 |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
105% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-7
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
|
7 Years
|
none |
3.1
|
1.00
|
3.10
|
3.10
|
|
Oxford Life Insurance Company
Guarantee Annuity 5
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CA IL LA MA MO MS MT NH NJ NM NV NY OR PA PR VA VI VT WA WV
|
18-75: 2.50
76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 11/01/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1.25% |
4
|
2.75
|
3.00
|
3.00
|
|
American General Life Insurance Company
AG HorizonSelect 5
|
| 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 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK MN NJ NY OR PA PR UT VI WA
|
0-80: 4.00
81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
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
MYGA
|
5 Years
|
none |
2.85
|
2.00
|
2.85
|
2.85
|
|
Investors Insurance (Legacy)
RateMark 5
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT KY ME MN NH NJ NY OR PR RI UT VA VI VT WA WI
|
0-80: 3.00
81-85: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Withdrawal Charges 10 years:
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
6 |
3 |
1 |
|
Ages 76 to 80
(10 years):
|
11.5 |
10.5 |
9.5 |
8.5 |
7.5 |
6 |
5 |
4 |
3 |
1 |
|
Age 81+
(10 years):
|
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
1 |
|
Withdrawal Charges 10 years:
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
6 |
3 |
1 |
|
Ages 76 to 80
(10 years):
|
11.5 |
10.5 |
9.5 |
8.5 |
7.5 |
6 |
5 |
4 |
3 |
1 |
|
Age 81+
(10 years):
|
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
1 |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
105% 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
MYGA
|
5 Years
|
none |
2.85
|
1.00
|
2.85
|
2.85
|
|
American National Insurance Company
Palladium MYG Annuity 5
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 4.00
80-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1% |
3.6
|
2.60
|
2.80
|
2.80
|
|
American National Insurance Company
Palladium MYG Annuity 5
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 4.00
80-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1% |
3.5
|
2.50
|
2.70
|
2.70
|
|
American General Life Insurance Company
AG HorizonSecure 5
|
| 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 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK NY PR UT VI
|
0-80: 4.00
81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
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
MYGA
|
5 Years
|
none |
2.65
|
2.00
|
2.65
|
2.65
|
|
Allianz Life
Dominator Plus 5
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- Flex. Annuity Option |
| Yes-Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| Yes-Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 3.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
9 |
8.1 |
7.2 |
6.3 |
5.4 |
4.5 |
3.6 |
2.7 |
1.8 |
0.9 |
|
Rate Changed: 03/02/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
3.00%
|
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
MYGA
|
5 Years
|
none |
2.6
|
3.00
|
2.60
|
2.60
|
|
Allianz Life
Dominator Plus 5
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| Yes-Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| Yes-Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 3.00
76-80: 2.00
81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
9 |
8.1 |
7.2 |
6.3 |
5.4 |
4.5 |
3.6 |
2.7 |
1.8 |
0.9 |
|
Rate Changed: 03/02/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
3.00%
|
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
MYGA
|
5 Years
|
none |
2.5
|
3.00
|
2.50
|
2.50
|
|
|
Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
Investors Insurance (Legacy)
RateMark 3
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT KY ME MN NH NJ NY OR PR RI UT VA VI VT WA WI
|
0-80: 2.25
81-UP: 1.13
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Withdrawal Charges 10 years:
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
6 |
3 |
1 |
|
Ages 76 to 80
(10 years):
|
11.5 |
10.5 |
9.5 |
8.5 |
7.5 |
6 |
5 |
4 |
3 |
1 |
|
Age 81+
(10 years):
|
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
1 |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
105% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-3
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
MYGA
|
3 Years
|
none |
2.5
|
1.00
|
2.50
|
2.50
|
|
American National Insurance Company
Palladium MYG Annuity 4
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.00
80-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-4
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
4 Year
MYGA
|
4 Years
|
none |
2.25
|
1.50-2.00
|
2.25
|
2.25
|
|
American National Insurance Company
Palladium MYG Annuity 4
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 2.00
80-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-4
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
4 Year
MYGA
|
4 Years
|
none |
2.15
|
1.50-2.00
|
2.15
|
2.15
|
|
American National Insurance Company
Palladium MYG Annuity 3
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR UT VI
|
0-79: 1.50
80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-3
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
MYGA
|
3 Years
|
none |
2.1
|
1.50-2.00
|
2.10
|
2.10
|
|
Investors Insurance (Legacy)
EnhanceMark 10
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AR AZ CO DC DE GA IA ID IL IN LA MD MI MS MT NC NE NM NV OH OK PA SC WV WY
|
0-80: 8.00
81-86: 4.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Withdrawal Charges 10 years:
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
6 |
3 |
1 |
|
Ages 75 to 80
(10 years):
|
11.5 |
10.5 |
9.5 |
8.5 |
7.5 |
6 |
5 |
4 |
3 |
|
