Ed Zierold & Associates

SPIA Products

Insurance Designers of America (IDA)

Ph: 216-328-9600/800-759-5433

State

Premium

Qual

Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
American General Life Insurance Company Platinum Income High-Band	A	0	0	0	0	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A	90	90	15,000	3,500	see notes
Genworth Life Insurance Company SecureLivingSM Income Provider	A	95	95	5,000	5,000	0-95: 3.00
ING USA Annuity and Life ING SPIA	A	80	80	15,000	15,000	0-95: 3.00
Lincoln Benefit Life IncomeReady^SMSPIA	A+	90	90	5,000	5,000	see notes
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+	85	85	50,000	50,000	50-85: 3.00 see notes
North American Company NA Income	A+	85	85	10,000	2,000	0-85: 2.00 see notes
OM Financial Life Insurance Company OM Immediate-Income	A-	89	89	10,000	10,000	0-89: 3.00+ 90-94: 2.75+ see notes
OM Financial Life Insurance Company OM Immediate-Safeguard	A-	95	95	5,000	5,000
Protective Life And Annuity ProSaver Income Annuity NY	A+	99	85	10,000	10,000	0-85: 3.00
Protective Life Corporation ProPayer Income Annuity	A+	99	99	10,000	10,000	0-85: 3.00
RBC Insurance RBC SPIA	A			5,000	5,000	0-99: 3.00
SBLI -Savings Bank Life Insurance of MA Single Premium Immediate Annuity High-Band	A+	90	90	10,000	10,000
West Coast Life Income Advantage Plus	A+	85	85	10,000	10,000	0-85: 3.00

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

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

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

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