Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Surrender Charges Last 10 Years
|
American National Insurance Company
Palladium MYG Annuity 8
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 2.50 80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
3.1
|
1.50-3.00
|
3.10
|
3.10
|
|
American National Insurance Company
Palladium MYG Annuity 8
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 2.50 80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-8
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
8 Year
MYGA
|
8 Years
|
none |
3
|
1.50-3.00
|
3.00
|
3.00
|
|
American National Insurance Company
Palladium MYG Annuity 10
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 4.00 80-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
1% |
3.8
|
2.80
|
2.90
|
2.90
|
|
American National Insurance Company
Palladium MYG Annuity 6
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 2.50 80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-6
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
MYGA
|
6 Years
|
none |
2.85
|
1.50-3.00
|
2.85
|
2.85
|
|
ING USA Annuity and Life
Guaranteed Choice 10
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
1% |
3.75
|
2.75
|
2.85
|
2.85
|
|
American National Insurance Company
Palladium MYG Annuity 10
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 4.00 80-85: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 10
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
with Bonus
|
10 Years
|
1% |
3.7
|
2.70
|
2.80
|
2.80
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
IL MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.70%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.8
|
1.70
|
2.80
|
2.80
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
NY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.70%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.8
|
1.70
|
2.80
|
2.80
|
|
American National Insurance Company
Palladium MYG Annuity 6
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 2.50 80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-6
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
MYGA
|
6 Years
|
none |
2.75
|
1.50-3.00
|
2.75
|
2.75
|
|
ING USA Annuity and Life
Guaranteed Choice 10
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.75
|
1.50
|
2.75
|
2.75
|
|
West Coast Life
Sure Advantage 10
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
DE MN NY PR VI VT
|
0-75: 2.50 76-85: 1.00
|
| Withdrawal Notes: |
|
Premium Bonus:
1.00
|
| Withdrawal Charges 10 years: |
|
8.5 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
0 |
|
Rate Changed: 08/31/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.65
|
1.50
|
2.75
|
2.75
|
|
American National Insurance Company
Palladium MYG Annuity 9
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 3.00 80-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 9
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
with Bonus
|
9 Years
|
2% |
4.5
|
2.50
|
2.72
|
2.72
|
|
American General Life Insurance Company
AG HorizonSelect 10
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK MN NJ NY OR PA PR TX UT VI WA
|
0-80: 4.00 81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 08/23/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.7
|
2.00
|
2.70
|
2.70
|
|
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
IL MN MO NY VI
|
0-75: 2.50 76-80: 1.60 81-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.70%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.65
|
1.70
|
2.65
|
2.65
|
|
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
NY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.70%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.65
|
1.70
|
2.65
|
2.65
|
|
West Coast Life
Sure Advantage 10
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
DE MN NY PR VI VT
|
0-75: 2.50 76-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
8.5 |
7.5 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
1.5 |
0.5 |
0 |
|
Rate Changed: 08/31/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-10
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
10 Year
MYGA
|
10 Years
|
none |
2.65
|
1.50
|
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 |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 3.00 80-85: 1.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 9
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
9 Year
MYGA
with Bonus
|
9 Years
|
2% |
4.4
|
2.40
|
2.62
|
2.62
|
|
American National Insurance Company
Palladium MYG Annuity 7
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 2.50 80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
with Bonus
|
7 Years
|
1% |
3.45
|
2.45
|
2.59
|
2.59
|
|
American National Insurance Company
Palladium MYG Annuity 7
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
NY PR UT VI
|
0-79: 2.50 80-85: 0.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.50-3.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 7
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
with Bonus
|
7 Years
|
1% |
3.35
|
2.35
|
2.49
|
2.49
|
|
American General Life Insurance Company
AG HorizonSelect 7
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK MN NJ NY OR PA PR UT VI WA
|
0-80: 4.00 81-85: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 08/23/10
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-7
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
7 Year
MYGA
|
7 Years
|
none |
2.4
|
2.00
|
2.40
|
2.40
|
|