BULBROOK/DRISLANE BROKERAGE
57 RIVER STREET STE 200
WELLESLEY MA 02481-2056

MYGA Detail Sheet
(781) 237-2350 | (800) 227-1258
Fax (781) 237-8846 | (888) 227-1258
E-mail: info@bulbrookdrislane.com
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
%

Showing 1-20 of 240    Display: Print/Save |<  <<   Page 1 of 12   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

Sentinel Security Life Insurance Company

Personal Choice Annuity 10
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:2,500
Monthly:2,500
Qualified
Single:2,500
Monthly:2,500
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

AZ CA CO HI IA ID KS MT NC ND NE NM NV OK OR SD TX UT WY 		0-80: 2.75
81-90: 2.00
Withdrawal Notes: No Premium Bonus
For states AZ, CA, CO, HI, IA, ID, KS, MT, NC, ND, NE, NM, NV, OK, SD, TX, UT, WY (10 years): 9 8 7 6 5 5 5 5 5 5
Age 60+ in states TX, UT (8 years): 8 7 6 5 4 3 2 1
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/13/12
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 2.00 4.00 4.00

Sentinel Security Life Insurance Company

Personal Choice Annuity 10 FL
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:2,500
Monthly:2,500
Qualified
Single:2,500
Monthly:2,500
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

FL 		0-80: 2.75
81-90: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 5 5 5 5 5
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/13/12
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 3.9 2.00 3.90 3.90

Midland National Life

Guarantee Ultimate 10

High-Band
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:200,000
Monthly:200,000
Qualified
Single:200,000
Monthly:200,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NV NY OR PR UT VA VI WA 		0-80: 3.00+
81-85: 2.25+
86-90: 1.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 6 4 2
Rate Changed: 01/19/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.45 1.00 3.45 3.45

North American Company

Guarantee Choice 10

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:200,000
Monthly:200,000
Qualified
Single:200,000
Monthly:200,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NY OR PR UT VA VI WA 		0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2
For states CA (10 years): 10 10 9 9 8 8 7 7 6 6
For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75
For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5
Rate Changed: 01/19/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.4 1.00 3.40 3.40

Midland National Life

Guarantee Ultimate 10

Low-Band
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NV NY OR PR UT VA VI WA 		0-80: 3.00+
81-85: 2.25+
86-90: 1.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 6 4 2
Rate Changed: 01/19/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.3 1.00 3.30 3.30

EquiTrust Life Insurance Company

Certainty 10
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

IN MN 		0-80: 3.00+
81-90: 2.25+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.5 8 7.5 7 6.5 6 5.5 5 4.5
Rate Changed: 01/23/12
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 3.25 2.00 3.25 3.25

EquiTrust Life Insurance Company

Certainty Select 10
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

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, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9 9 8 8 7 7 6 5
For states AK, SC, TX (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5
For states CT (10 years): 10 9 8 7 6 5 4 3 2 1
Rate Changed: 01/23/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 1.00 3.25 3.25

North American Company

Guarantee Choice 10

Low-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NY OR PR UT VA VI WA 		0-80: 2.50+
81-85: 1.88+
86-90: 1.25+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2
For states CA (10 years): 10 10 9 9 8 8 7 7 6 6
For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75
For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5
Rate Changed: 01/19/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 1.00 3.25 3.25

Oxford Life Insurance Company

Guarantee Annuity 5

High-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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL IL LA MA MS MT NH NJ NY OR PR VI VT WV 		18-75: 2.50
76-80: 1.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% 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 3 2.00 3.00 3.00

ReliaStar Life Insurance Company

ING MVA Annuity 10

Low-Band
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA
Qualified
0-75: 5.75
76-90: 2.87
Non-Qual
0-75: 5.30
76-90: 2.65
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 7 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3 3.00 3.00 3.00

ReliaStar Life Insurance Company

ING MVA Annuity 10

Mid-Band
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:35,000
Monthly:35,000
Qualified
Single:35,000
Monthly:35,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA
Qualified
0-75: 5.75
76-90: 2.87
Non-Qual
0-75: 5.30
76-90: 2.65
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 7 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3 3.00 3.00 3.00

ReliaStar Life Insurance Company

ING MVA Annuity 10

High-Band
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA
Qualified
0-75: 5.75
76-90: 2.87
Non-Qual
0-75: 5.30
76-90: 2.65
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 7 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3 3.00 3.00 3.00

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  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 3.00
80-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% 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% 4.45 2.45 2.67 2.67

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  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 4.00
80-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% 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% 3.55 2.55 2.65 2.65

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  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-8 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 2.65 1.00-1.50 2.65 2.65

American National Life Insurance Company of NY

Palladium MYG 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
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-79: 4.00
80-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65

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  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 3.00
80-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% 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% 4.35 2.35 2.57 2.57

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  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 4.00
80-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% 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% 3.45 2.45 2.55 2.55

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  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-8 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 2.55 1.00-1.50 2.55 2.55

American National Life Insurance Company of NY

Palladium MYG 10

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-79: 4.00
80-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55
Showing 1-20 of 240    Display: Page:   1 | 2 | 3 | 4 | 5 | 6 .. 12

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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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