Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 17 Years
|
American Equity Investment Life Insurance Company
Bonus Gold (Index-1-05 & Index-7-05-OK)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| 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 |
| 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 |
|
Only
Available in:
DE OK
|
0-75: 8.20+
76-80: 6.15+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states DE (17 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16.5 |
15.5 |
14 |
12.5 |
11 |
9 |
7 |
5 |
3 |
2 |
|
For states OK (17 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16.5 |
15.5 |
14 |
12.5 |
11 |
9 |
7 |
5 |
3 |
2 |
|
Age 79+ in states OK (17 years):
|
20 |
19.5 |
19 |
18.5 |
18 |
17 |
16 |
15 |
13.5 |
12 |
10 |
8 |
6 |
4 |
2 |
0 |
0 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.10%
|
| S&P 500 Monthly Average w/ PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| S&P 500 Monthly Average w/ CAP |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| S&P 500 Annual Point-to-Point w/ PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| S&P 500 Annual Point-to-Point w/ CAP |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.50
|
| S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| Lehman Brothers U.S. Aggregate Annual Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
| Dow Jones Annual Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
|
|
6.50
|
|
|
Surrender Charges Last 16 Years
|
American Equity Investment Life Insurance Company
Bonus Gold (Index 1-07)
|
| 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 |
|
| 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:
AK AL CT DE MN NY OK OR PR UT VI WA
|
0-75: 6.00+
76-80: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 16 years: |
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Value |
1-Year
Fixed Rate (no bonus)
|
3.10%
|
| 1-Year S&P 500 Point-to-Point PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 500 Monthly Average PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| 1-Year S&P 500 Monthly Average Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.50
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| 1-Year Dow Jones Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
None |
|
|
6.50
|
| 1-Year Dow Jones Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| 1-Year Lehman U.S. Aggregate Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
|
Surrender Charges Last 15 Years
|
National Western Life
Liberty Champion
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
WY
|
| Qualified |
0-70: 9.25+
71-75: 7.75+
|
| Non-Qual |
0-70: 9.25+
71-80: 7.75+
81-85: 5.50+
|
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 15 years: |
|
20 |
20 |
20 |
20 |
20 |
20 |
18 |
16 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.85%
|
| Option D: Annual Reset with Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| Option A: Annual Reset with Monthly Averaging |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
0.75
|
|
|
National Western Life
NWL Ultra Future
|
| 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- 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT MS NY OR
|
| Qualified |
0-70: 7.00+
71-75: 3.50+
76-80: 2.00+
|
| Non-Qual |
0-75: 7.00+
76-80: 5.00+
|
|
| Withdrawal Notes: |
|
Prem Bonus:
4.75-10.00
|
| Withdrawal Charges 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 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,295)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option B: Fixed Account |
1-Year
Fixed Rate (no bonus)
|
3.40%
|
| Option A: Monthly Averaging Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
0.25
|
|
| Option D: Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.75
|
|
|
Surrender Charges Last 14 Years
|
American Equity Investment Life Insurance Company
Retirement Gold (02-09)
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- 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 NV NY OR PA PR SC UT VI WA
|
0-78: 6.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
5.00-10.00
|
| Withdrawal Charges 14 years: |
|
12.5 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.25%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.90%
|
| S&P 500 Monthly Average w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| S&P 500 Monthly Average w/ Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
6.00
|
| S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| S&P 500 Point-to-Point w/ Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.40
|
|
Annuity Investors Life (Great American Life)
FlexMax 14
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 70 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- 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 |
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:
CT DE NY OR PR VI VT
|
| Qualified |
18-55: 8.00+
56-70: 4.75+
|
| Non-Qual |
0-55: 8.00+
56-70: 4.75+
71-80: 3.95+
|
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
Ages 0 to 55
(14 years):
|
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 56+
(10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
|
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,247)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| 1 Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
5.75
|
|
EquiTrust Life Insurance Company
Market Power Bonus Index
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
CT DE FL MN NY OR PR TX UT VI WA
|
0-80: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (14 years):
|
20 |
20 |
19 |
19 |
18 |
17 |
16 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (10 years):
|
17 |
16 |
15 |
15 |
14 |
13 |
12 |
11 |
10 |
9.5 |
|
|
|
|
|
For states AK (10 years):
|
17 |
15 |
14 |
12 |
10 |
9 |
7 |
4 |
3 |
1 |
|
|
|
|
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 3.00%
(GMR/1000 $1,456)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.85%
|
| 1-Year S&P 500 Daily Average Cap |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
7.00
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| 2-Year S&P 500 Monthly Averaging Cap Account |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
100.00
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.65
|
| 1 Year S&P 500 Monthly Average Participation |
S&P 500 |
Point to Point
|
Annual |
Monthly |
70
|
|
|
|
EquiTrust Life Insurance Company
MarketTwelve Bonus
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| 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:
AK CT DE MN NY OR PR TX UT VI WA
|
0-80: 9.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
6.00
|
| Withdrawal Charges 14 years: |
|
20 |
20 |
19 |
19 |
18 |
17 |
16 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 3.00%
(GMR/1000 $1,403)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| 1-Year S&P 500 Point-to-Point w/Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.50
|
| 1-Year S&P 500 Daily Average w/ Cap |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
6.00
|
| 1-Year S&P 500 Monthly Average w/Participation |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
|
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.40
|
| 2-Year Monthly Average Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
20.00
|
|
National Western Life
NWL Ultra Benefit
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA
|
| Qualified |
0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 1.00+
|
| Non-Qual |
0-75: 8.00+
76-80: 6.00+
81-85: 3.50+
|
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 14 years: |
|
16 |
16 |
15.75 |
15 |
14 |
13.25 |
12.5 |
11.5 |
10.75 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,212)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option A: Monthly Average Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly |
55
|
0.75
|
|
| Option D: Monthly Cap Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
Charter 14
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- 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 NY OR PR UT VI WA
|
0-75: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
11.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,132)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.80
|
| 1-Year S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
7.15
|
| 1-Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| 1-Year Lehman Bros. US Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
3.00
|
| 1-Year NASDAQ-100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1-Year Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.60
|
| 1-Year Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
|
|
5.20
|
| 1-Year Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
4.60
|
| 1-Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
4.55
|
| 1-Year Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
5.35
|
| 1-Year Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
|
|
6.20
|
| 1-Year Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
100
|
|
5.05
|
| 1-Year S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
|
|
5.25
|
| 1-Year S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.70
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
Freedom Choice (5%) 14
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- 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 MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
4.85%
|
| 1-Year Annual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
10.70
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
4.10
|
| 1-Year Annual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
10.25
|
| 1-Year Annual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
10.50
|
| 1-Year Annual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
9.25
|
| 1-Year Annual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.75
|
| 1-Year Annual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
9.00
|
| 1-Year Annual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
9.05
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.25
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
Freedom Choice (5%) 14
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| 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 MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Annual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
11.45
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
4.35
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
5.20%
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.45
|
| 1-Year Annual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
9.80
|
| 1-Year Annual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
9.75
|
| 1-Year Annual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
7.00
|
| 1-Year Annual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
10.50
|
| 1-Year Annual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
11.35
|
| 1-Year Annual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
11.10
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
Freedom Choice 14
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- 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 MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
4.40%
|
| 1-Year Anual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
9.70
|
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.85
|
| 1-Year Anual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
9.15
|
| 1-Year Anual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
9.40
|
| 1-Year Anual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
9.15
|
| 1-Year Anual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.25
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.10
|
| 1-Year Anual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
8.10
|
| 1-Year Anual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
8.10
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
Freedom Choice 14
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| 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 MT NV NY OR PA PR UT VA VI VT WA
|
0-75: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 14 years: |
|
9 |
9 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,020)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Monthly Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
4.10
|
| 1-Year Anual Point-to-Point S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
10.65
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
4.80%
|
| 1-Year Anual Point-to-Point NADAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
9.00
|
| 1-Year Anual Point-to-Point Russell 2000 |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
9.00
|
| 1-Year Monthly Point-to-Point NASDAQ 100 |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.25
|
| 1-Year Anual Point-to-Point LB U.S. Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.75
|
| 1-Year Anual Point-to-Point S&P 400 |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
9.20
|
| 1-Year Anual Point-to-Point DJ EuroSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
10.45
|
| 1-Year Anual Point-to-Point DJIA |
DJIA |
Point to Point
|
Annual |
None |
|
|
10.20
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
North American Prizm Plus 14
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
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:
AK AL CT DE MN NV NY OR PR UT VI WA
|
0-75: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,122)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
3.00%
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.00
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year S&P 500 Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
60
|
|
|
| 1-Year S&P 400 Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 400 Monthly Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
40
|
|
|
| 1-Year DJIA Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year DJIA Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
60
|
|
|
| 1-Year DJ EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year Russell 2000 Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Russell 2000 Monthly Averaging |
Russell 2000 |
Point to Point
|
Annual |
Monthly |
45
|
|
|
| 1-Year Lehman Bros. U.S. Aggregate Point-to-Point |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
55
|
|
|
| 1-Year Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly |
|
|
2.30
|
| 1-Year Nasdaq 100 Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
30
|
|
|
|
|
Now Accepting Annuity Agent Contracting!
|
North American Company
Precision 14
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- 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 NY OR PR UT VI WA
|
0-75: 8.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
11.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.10%
(GMR/1000 $1,132)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
60
|
|
100.00
|
| Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
75
|
|
5.50
|
| Lehman Bros. US Aggregate |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
45
|
|
100.00
|
| Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| 1 - Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
50
|
|
5.50
|
| S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
|
2.80
|
| S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
60
|
|
100.00
|
| S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
70
|
|
6.50
|
| S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Daily |
45
|
|
100.00
|
| S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
55
|
|
5.50
|
|
|
Surrender Charges Last 13 Years
|
|
Up to 50% LIQUIDITY and 12% Commissions!
|
National Western Life
NWL Ultra Classic
|
| 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 |
| 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 AL CT DE IL IN MA MN MS NJ NY OR PA UT WA
|
| Qualified |
0-70: 12.00+
71-75: 10.00+
76-80: 9.00+
|
| Non-Qual |
0-75: 12.00+
76-80: 10.50+
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 13 years: |
|
15 |
14.75 |
14 |
13 |
12.25 |
11.25 |
10.5 |
9.75 |
8.75 |
8 |
6 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,132)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option B: Fixed Account |
1-Year
Fixed Rate (no bonus)
|
3.80%
|
| Option A: Monthly Averaging Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
0.25
|
|
| Option D: Monthly Cap Annual Reset |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.75
|
|
|
Surrender Charges Last 12 Years
|
American Equity Investment Life Insurance Company
Bonus 5 (INDEX-3-07-WA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| 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 |
| 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 |
|
Only
Available in:
WA
|
0-57: 6.00+
58-80: 4.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
Withdrawal Charges 12 years:
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
Age 57+
(12 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5.25 |
4.25 |
3 |
2 |
1 |
0.5 |
0 |
0 |
|
|
| Guaranteed Minimum Value: |
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| S&P 500 Monthly Average w/ PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| S&P 500 Monthly Average w/ CAP |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| S&P 500 Annual Point-to-Point w/ PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| S&P 500 Annual Point-to-Point w/ CAP |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.50
|
| S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.10%
|
|
|
Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
American Equity Investment Life Insurance Company
Income Gold (Index 3-07)
|
| 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 |
|
| 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:
AL CT DE MN NY OR PR UT VI WA
|
0-75: 5.63+
76-80: 4.22+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
15 |
14 |
13 |
12 |
11 |
10 |
8.5 |
7 |
5.5 |
4 |
2.5 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 3.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Point-to-Point PR |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.50
|
| 1-Year S&P 500 Monthly Average PR |
S&P 500 |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| 1-Year S&P 500 Monthly Average Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
3.10%
|
| 1-Year Lehman U.S. Aggregate Point-to-Point Cap |
LB US Aggregate Bond |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Dow Jones Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
6.50
|
| 1-Year Dow Jones Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
None |
|
|
6.50
|
|
American General Life Insurance Company
AG HorizonIndex Annuity 12
|
| 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 CT MN NJ NY OK OR PR UT VI VT WA
|
0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
12 |
12 |
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
5 |
3 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,198)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 2-Year Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
14.00
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.80%
|
|
Annuity Investors Life (Great American Life)
FlexMax 12
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 70 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- 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 |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AR CT DE GA IL NH NJ NY OR PA PR UT VI VT WA
|
| Qualified |
18-60: 9.25+
61-70: 6.75+
|
| Non-Qual |
0-60: 9.25+
61-85: 6.75+
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 57
(12 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
1 |
1 |
|
Age 58+
(10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,141)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| 1 Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
5.50
|
|
Great American Life Insurance Company
American Valor II
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| No- 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 |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
CT NY PR VI
|
| Qualified |
18-75: 6.50+
76-80: 5.35+
81-85: 3.60+
|
| Non-Qual |
0-75: 6.50+
76-80: 5.35+
81-85: 3.60+
|
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
Age 58+
(10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
Ages 0 to 57
(12 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00-2.00%
(GMR/1000 $1,332)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
6.50
|
| 1 Year S&P 500 Monthly Average with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
7.00
|
| Declared Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.75%
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NY OR UT WA
|
0-75: 8.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,319)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NY OR UT WA
|
0-75: 8.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,332)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
|
National Western Life
Liberty Challenge
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
FL PR WY
|
| Qualified |
0-70: 9.00+
71-75: 8.00+
|
| Non-Qual |
0-70: 9.00+
71-80: 8.00+
81-85: 6.25+
|
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
| Withdrawal Charges 12 years: |
|
15 |
15 |
15 |
15 |
15 |
15 |
15 |
15 |
12 |
9 |
6 |
3 |
|
|
| Guaranteed Minimum Value: |
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.85%
|
| Option D: Annual Reset with Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| Option A: Annual Reset with Monthly Averaging |
S&P 500 |
Point to Point
|
Annual |
Monthly |
65
|
0.75
|
|
|
OM Financial (Legacy)
AmeriMark Freedom
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT MA MN NY OR PR UT VI VT WA
|
0-80: 9.00
81-85: 4.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 12 years: |
|
13.5 |
12.5 |
11.5 |
10.5 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $986)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| Annual Point-to-Point 3 Yr Highwater |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
10.00
|
| Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
5.50
|
| Monthly Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
2.00
|
| 2-Year Monthly Average w/ Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
13.00
|
|
OM Financial (Legacy)
AmeriMark Freedom SE
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT MA MN NY OR PR UT VI VT WA
|
0-80: 8.00
81-85: 4.00
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 12 years: |
|
13.7 |
12.5 |
11.7 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,025)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Annual Point-to-Point 3 Yr Highwater |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
8.00
|
| Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
5.00
|
| Monthly Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
1.75
|
| 2-Year Monthly Average w/ Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly |
|
|
12.00
|
|
|
.5% Guaranteed Lifetime Income Rider
|
RBC Insurance
RBC Enhanced Choice 12 SPDA
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- 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 |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CA CT DE HI MN NJ NY OK OR PA PR UT VI WA
|
0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years):
|
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
|
For states CA (12 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,035)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate with Bonus
|
1.90% +1.00 Bonus
|
| 1-Year S&P 500 Monthly Additive Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
2.50
|
| 1-Year S&P 500 Annual Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
5.25
|
| 1-Year DJIA Quarterly Additive Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
Quarterly Sum |
100
|
0.00
|
2.75
|
| 1-Year DJIA Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
100
|
0.00
|
5.00
|
|
|
Surrender Charges Last 10 Years
|
|
Up to 10% Commissions!
|
American National Insurance Company
Value Lock 10
|
| 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 |
| 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 |
|
Not
Available in:
MA MN ND NJ NY OR PR VI VT
|
0-75: 10.00
76-80: 8.00
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
3 |
|
For states CT, PA (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.75%
(GMR/1000 $1,103)
|
Next Change : TBD
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| S&P 500 10 Year Point-to-Point |
S&P 500 |
Point to Point
|
10-year |
Monthly |
100
|
|
|
|
Allianz Life
Endurance Plus
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
Yes-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 WA
|
0-75: 8.00+
76-80: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
8.75 |
7.5 |
6.25 |
5 |
3.75 |
2.5 |
1.25 |
|
For states AL, CA, CT, DE, IA, IN, KY, MN, MS, NJ, PA, TX, UT (10 years):
|
9.1 |
8.19 |
7.28 |
6.37 |
5.46 |
4.55 |
3.64 |
2.73 |
1.82 |
0.91 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.50%
(GMR/1000 $1,044)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| Blended Point-to-Point |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
6.00
|
| Blended Monthly Average |
Blended Indicies |
Point to Point
|
Annual |
Monthly |
|
2.00
|
|
| S&P 500 Monthly Sum |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.30
|
| S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| FTSE 100 Point-to-Point |
FTSE 100 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| FTSE 100 Monthly Sum |
FTSE 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.50
|
| Nasdaq 100 Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| Nasdaq 100 Monthly Sum |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.90
|
|
Allianz Life
MasterDex 10
|
| 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 |
Yes-Flex. Annuity Option |
| No- 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 |
|
Only
Available in:
CA CT PA
|
0-75: 9.00+
76-85: 7.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.50%
(GMR/1000 $1,117)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
3.00%
|
| 1-Year SP 500 Monthly Point to Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.10
|
| 1-Year Nasdaq-100 Monthly Point to Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.10
|
|
Allianz Life
MasterDex 10 Plus Annuity
|
| 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 |
| 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: 8.00+
76-80: 5.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.50%
(GMR/1000 $1,117)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.00%
|
| 1 Year Blended Point-to-Point Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
7.75
|
| 1 Year Blended Monthly Average Spread |
Blended Indicies |
Point to Point
|
Annual |
Monthly |
|
2.00
|
|
| 1 Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
3.00
|
| 1 Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
7.75
|
| 1 Year FTSE 100 Point-to-Point Cap |
FTSE 100 |
Point to Point
|
Annual |
None |
|
|
7.50
|
| 1 Year FTSE 100 Monthly Cap |
FTSE 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.90
|
| 1 Year Nasdaq 100 Point-to-Point Cap |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
7.00
|
| 1 Year Nasdaq 100 Monthly Cap |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.90
|
|
Allianz Life
MasterDex 5 Plus Annuity
|
| 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 |
| 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: 8.00+
76-80: 6.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
For states AK, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years):
|
15 |
15 |
15 |
15 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states AL, DE, IA, KY, MS (10 years):
|
9.1 |
8.1 |
7.2 |
6.3 |
5.4 |
4.5 |
3.6 |
2.7 |
1.8 |
0.9 |
|
For states CT, MN, NJ, PA, UT, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Option |
1-Year
Fixed Rate (no bonus)
|
2.15%
|
| 1 Year S&P 500 Monthly Sum Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1 Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.50
|
| 1 Year Nasdaq 100 Monthly Sum Cap |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.40
|
| 1 Year Nasdaq 100 Point-to-Point Cap |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| 1 Year FTSE 100 Point-to-Point Cap |
FTSE 100 |
Point to Point
|
Annual |
None |
|
|
5.00
|
| 1 Year FTSE 100 Monthly Sum Cap |
FTSE 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1 Year Blended Point-to-Point Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
5.50
|
| 1 Year Blended Monthly Average Spread |
Blended Indicies |
Point to Point
|
Annual |
Monthly |
|
2.00
|
|
|
|
10% Bonus and 8% Simple Income II Rider
|
Allianz Life
MasterDex X Annuity
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
Yes-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:
CT NV NY OR PR VI WA
|
0-75: 7.00+
76-80: 5.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
| |
