Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 15 Years
|
American Equity Investment Life Insurance Company
Premier Eagle 10 (FPDA-7-08)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| 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 |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AL CT IN MN NY OR PA PR VI WA
|
0-75: 6.00+
76-80: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-10.00
|
|
Withdrawal Charges 15 years:
|
20 |
19.5 |
19 |
18.5 |
18 |
17.5 |
17 |
16 |
15 |
14 |
12 |
10 |
9.5 |
5 |
2.5 |
|
Age 76+
(15 years):
|
15 |
14 |
13 |
12 |
11 |
9.5 |
8 |
6.5 |
5 |
2.5 |
0 |
0 |
0 |
0 |
0 |
|
Rate Changed: 11/04/09
|
| Guaranteed Minimum Value: |
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.1
|
|
3.76
|
1.78
|
|
Life of the Southwest
Retire Four
|
| Non-Qualified |
| Owner: | 62 |
| Annuitant: | 62 |
| Qualified |
| Owner: | 62 |
| Annuitant: | 62 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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:
NJ NV NY OR PA PR UT VI WA
|
0-70: 11.00+
71-75: 9.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 15 years: |
|
12.5 |
12.5 |
12.5 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3.95
|
1.45
|
3.02
|
1.61
|
|
|
Surrender Charges Last 14 Years
|
North American Company
North American Flex III
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| Annuitant: | |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR UT VI WA
|
0-75: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 14 years: |
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 02/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.25
|
2.00
|
3.96
|
2.79
|
|
|
Surrender Charges Last 12 Years
|
American Equity Investment Life Insurance Company
FPDA-11 (MVA)
|
| 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 |
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 IL MN NY OR PR UT VI WA
|
0-75: 3.75+
76-80: 2.81+
|
| Withdrawal Notes: |
|
Premium Bonus:
6.00
|
| Withdrawal Charges 12 years: |
|
14 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
Rate Changed: 11/04/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.15
|
3.00
|
3.65
|
3.51
|
|
American Equity Investment Life Insurance Company
FPDA-10 (MVA)
|
| 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 |
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 MN NY OR PR UT VI
|
0-75: 7.50+
76-80: 5.63+
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
| Withdrawal Charges 12 years: |
|
14 |
13 |
12.5 |
12 |
11.5 |
11 |
9.5 |
8 |
6.5 |
5 |
3.5 |
2 |
|
Rate Changed: 11/04/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.15
|
3.00
|
3.32
|
3.18
|
|
Life of the Southwest
RetireMax FPDA 3 403(b)
High-Band
|
| Non-Qualified |
| Owner: | |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 CT MD NJ NY OR PA PR UT VI WA WY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.8
|
1.45
|
2.80
|
1.56
|
|
Life of the Southwest
RetireThree
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 MD NJ NY OR PA PR UT VI WA WY
|
0-70: 10.00
71-75: 9.00
76-80: 5.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.8
|
1.45
|
2.80
|
1.56
|
|
|
Surrender Charges Last 10 Years
|
RBC Insurance
Value Master SPDA
|
| 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 |
| 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 HI MN NJ NY PR VI
|
0-75: 8.50
76-80: 6.50
81-85: 5.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
4.2
|
3.00
|
4.20
|
3.12
|
|
American Equity Investment Life Insurance Company
Premier Eagle 12 (FRG-09)
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| 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 |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE IN MN NV NY OK OR PA PR SC UT WA
|
0-78: 6.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 10 years: |
|
12.5 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
Rate Changed: 11/04/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.9
|
1.00
|
3.89
|
2.16
|
|
Investors Insurance (Legacy)
RateMark 1
|
| 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
81-85: 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
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.75
|
1.00
|
3.75
|
1.27
|
|
North American Company
North American Flex II
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | |
| Qualified |
| Owner: | 79 |
| Annuitant: | |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE MA MN NV NY OR PR UT VI WA
|
0-75: 4.50+
76-79: 3.38+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 02/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.2
|
2.00
|
3.70
|
2.62
|
|
American National Insurance Company
Palladium Ultra 7
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 70 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AL CT IL MA MN OR PA UT WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
7% |
10
|
2.00
|
3.68
|
2.77
|
|
North American Company
Boomer Annuity
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL CT DE MN MS NY OR PA PR UT VI WA
|
0-75: 7.00+
76-79: 5.25+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
Rate Changed: 02/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.05
|
3.00
|
3.55
|
3.51
|
|
American National Insurance Company
Palladium Ultra 5
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AL CT IL MA MN OR PA UT WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
8
|
2.00
|
3.49
|
2.58
|
|
American Equity Investment Life Insurance Company
FPDA 1
|
| 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 |
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:
OR
|
0-75: 5.25+
76-80: 3.94+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
9 |
8.25 |
7.25 |
6.5 |
5.5 |
4.5 |
3.75 |
2.75 |
1.75 |
0.75 |
|
Rate Changed: 11/04/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
2% |
5.25
|
3.00
|
3.45
|
3.22
|
|
American National Insurance Company
Palladium Plus 3
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AL CT IL MA MN OR PA UT WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
6
|
2.00
|
3.30
|
2.39
|
|
Annuity Investors Life (Great American Life)
Commodore Distinction II
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 70 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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:
NY PR VI VT
|
0-55: 7.50
56-65: 3.75
66-80: 2.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years):
|
9 |
8.5 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Ages 0 to 55 in states MD (7 years):
|
12 |
11 |
10 |
9 |
8 |
6 |
4 |
|
|
|
|
Age 56+ in states MD (7 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
|
|
|
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.15
|
2.00
|
3.15
|
2.11
|
|
American National Insurance Company
Palladium Plus 1
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
Yes-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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AL CT IL MA MN OR PA UT WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
4
|
2.00
|
3.10
|
2.20
|
|
Transamerica Life
Trans 10 Enhanced Rate Option
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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:
NY PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 3
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
3 Year
Fixed
with Bonus
|
3 Years
|
2% |
4.85
|
2.85
|
3.05
|
1.75
|
|
American General Life Insurance Company
AG HorizonMYG
|
| 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 PR UT VI
|
0-75: 7.50+
76-80: 5.00+
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
First Year
|
Rate
Year 6
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
Fixed
with Bonus
|
6 Years
|
4% |
6.65
|
2.65
|
3.04
|
2.78
|
|
Life of the Southwest
Retire Five
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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:
MS NJ NV NY OR PA PR UT VI WA
|
0-70: 6.55+
71-75: 5.15+
76-80: 4.14+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WA, WI, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states AK, AL, CA, DE, MN (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
7.4
|
1.45
|
2.89
|
2.03
|
|
Life of the Southwest
RetireMax Millennium Plus
|
| 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 |
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:
NJ NY OR PA PR UT VI
|
0-70: 6.00+
71-75: 4.50+
76-80: 3.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Ages 0 to 58 in states AL, MN, UT, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 59+ in states AL, MN, UT, WA (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
7.4
|
1.45
|
2.89
|
2.03
|
|
Great American Life Insurance Company
American Freedom 10-ST
|
| 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 |
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:
NY PR VI
|
0-80: 6.00+
81-85: 2.85+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, HI, IA, ID, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OR, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 60+ in states FL, IL, KY, NJ, OK, PA, SC, UT, WA (9 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 01/11/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00-2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
2% |
4.65
|
1.00-2.00
|
2.85
|
1.36
|
|
Life of the Southwest
RetireMax FPDA 2 403(b)
High-Band
|
| Non-Qualified |
| Owner: | |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK AL MD NJ NY OR PA PR UT VI WA WY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3.7
|
1.45
|
2.80
|
1.67
|
|
Life of the Southwest
RetireMax Roth Advantage
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 300 |
| Monthly: | 300 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| 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 MD NJ NY OR PA PR UT VI WA WY
|
0-55: 6.00+
56-65: 5.50+
66-75: 4.81+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3.7
|
1.45
|
2.80
|
1.67
|
|
Life of the Southwest
RetireTwo
|
| 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 |
| 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 MD NJ NY OR PA PR UT VI WA WY
|
0-75: 8.00
76-85: 4.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3.7
|
1.45
|
2.80
|
1.67
|
|
Life of the Southwest
RetireMax TLC
|
| 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 |
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 IL MN MT NJ NY OR PA PR TN UT VI WA
|
0-75: 8.00+
76-80: 6.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/22/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.45%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
Years
1-2
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
2 Year
Fixed
|
2 Years
|
none |
2.7
|
1.45
|
2.70
|
1.70
|
|
American National Insurance Company
Palladium Century 7
|
| 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 |
| 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:
AL CT IL MA MN NJ NY OR PA PR UT VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
7% |
9
|
2.00
|
2.68
|
2.68
|
|
Forethought Financial
Secure Income 125
Low-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 |
| 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 CA MA MN MT NV NY OR PR VA VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/23/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.5
|
1.00
|
2.50
|
1.15
|
|
Forethought Financial
Secure Income 125
Mid-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 |
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 CA MA MN MT NV NY OR PR VA VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/23/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.5
|
1.00
|
2.50
|
1.15
|
|
Forethought Financial
Secure Income 125
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| 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 CA MA MN MT NV NY OR PR VA VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/23/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.5
|
1.00
|
2.50
|
1.15
|
|
American National Insurance Company
Palladium Century 5
|
| 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 |
| 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:
AL CT IL MA MN NJ NY OR PA PR UT VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
7
|
2.00
|
2.49
|
2.49
|
|
American National Insurance Company
Palladium Century 3
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| 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:
AL CT IL MA MN NJ NY OR PA PR UT VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
5
|
2.00
|
2.30
|
2.30
|
|
Investors Insurance (Legacy)
EnhanceMark
|
| 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 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: |
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.15
|
|
2.15
|
1.11
|
|
American National Insurance Company
Palladium Century 1
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| 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:
AL CT IL MA MN NJ NY OR PA PR UT VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3
|
2.00
|
2.10
|
2.10
|
|
|
Surrender Charges Last 9 Years
|
North American Company
North American Director
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 0 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 0 |
|
| Non-Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| 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 MA MN NV NY OR PR UT VI WA
|
0-80: 6.50+
81-85: 4.88+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
6.25
|
3.00
|
3.58
|
3.36
|
|
EquiTrust Life Insurance Company
ChoiceFour (MVA Option)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 IN MA MD MN NY OK OR PR TX UT VI VT WA
|
0-80: 7.50+
81-85: 5.63+
|
| Withdrawal Notes: |
|
Premium Bonus:
1.50
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/04/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.1
|
2.00
|
3.27
|
2.29
|
|
American General Life Insurance Company
AG HorizonPlus
|
| 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:
MN NJ NY OR PA PR UT VI WA
|
0-75: 6.00
76-80: 3.20
81-85: 1.35
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 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
First Year
|
Rate
Year 6
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
Fixed
with Bonus
|
6 Years
|
6% |
8.6
|
2.60
|
3.25
|
3.05
|
|
American Equity Investment Life Insurance Company
FPDA-12
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 0 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 0 |
|
| 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 |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AK DE IL ME MN NC NH OR PA RI SC UT VT WA
|
0-75: 5.25+
76-80: 3.94+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 11/04/09
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.15
|
3.00
|
3.15
|
3.02
|
|
EquiTrust Life Insurance Company
ChoiceFour (Base Contract)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 IN MA MD MN NY OK OR PR TX UT VI VT WA
|
0-80: 7.50+
81-85: 6.63+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/04/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3.1
|
2.00
|
3.10
|
2.12
|
|
Presidential Life
No Load Flex
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 120 |
| Monthly: | 120 |
| Qualified |
| Single: | 120 |
| Monthly: | 120 |
|
| 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:
IL NH NJ OR PR VI WA
|
0-75: 3.50
76-80: 2.60
81-85: 0.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 02/17/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
3.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
3
|
3.00
|
3.00
|
3.00
|
|
The Standard
Principal Growth Annuity 9
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| 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:
NY PR VI
|
0-80: 5.00
81-85: 2.50
86-UP: 1.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.15%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3.6
|
1.15
|
2.71
|
1.42
|
|
The Standard
Principal Growth Annuity 9
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| 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 |
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:
NY PR VI
|
0-80: 5.00
81-85: 2.50
86-UP: 1.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.15%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
3.5
|
1.15
|
2.61
|
1.41
|
|
|
|
| Non-Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 99 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 600 |
| Monthly: | 600 |
| Qualified |
| Single: | 600 |
| Monthly: | 600 |
|
| 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:
NY PR VI
|
0-80: 5.50
81-90: 2.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.15%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
2.25
|
1.15
|
2.25
|
1.27
|
|
|
Surrender Charges Last 8 Years
|
American General Life Insurance Company
AG HorizonFlex
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 |
| 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
|
0-75: 5.00
76-80: 4.00
81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
Rate Changed: 02/08/10
|
| Guaranteed Minimum Value: |
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
2% |
5.05
|
2.00
|
3.30
|
2.38
|
|