Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Surrender Charges Last 12 Years
|
American General Life Insurance Company
AG HorizonIndex Annuity 12
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT MN NJ NY OK OR PR TX UT VI VT WA
|
0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
12 |
12 |
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
5 |
3 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,198)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 2-Year Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.50
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT DE MN NY OR TX UT WA
|
0-75: 4.00
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,319)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.10%
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.50
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.45
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT DE MN NY OR TX UT WA
|
0-75: 4.00
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,332)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.10%
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.45
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.50
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
RBC Insurance
RBC Enhanced Choice 12 SPDA
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT DE HI MN NJ NY OK OR PA PR TX UT VI WA
|
0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years):
|
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
|
For states CA (12 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,035)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate with Bonus
|
1.05% +1.00 Bonus
|
| 1-Year DJIA Quarterly Additive Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
Quarterly Sum |
100
|
0.00
|
2.00
|
| 1-Year DJIA Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
100
|
0.00
|
5.00
|
| 1-Year S&P 500 Monthly Additive Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
1.50
|
| 1-Year S&P 500 Annual Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
4.00
|
|
|
Surrender Charges Last 10 Years
|
Aviva Life and Annuity
Income Preferred Ultra
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| 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 CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states TX (10 years):
|
14.2 |
13.5 |
12.1 |
10.6 |
9.2 |
7.7 |
6.2 |
4.7 |
3.1 |
1.5 |
|
Rate Changed: 08/06/10
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
Next Change : 09/03/10
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate (no bonus)
|
2.25%
|
|
Aviva Life and Annuity
Income Preferred Ultra
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states TX (10 years):
|
14.2 |
13.5 |
12.1 |
10.6 |
9.2 |
7.7 |
6.2 |
4.7 |
3.1 |
1.5 |
|
Rate Changed: 08/06/10
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
Next Change : 09/03/10
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate (no bonus)
|
1.65%
|
|
American National Insurance Company
Value Lock 10
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| Yes-Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
MA MN ND NJ NY OR PR VI VT
|
0-75: 10.00 76-80: 8.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
3 |
|
For states CT, PA (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 09/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.75%
(GMR/1000 $1,071)
|
Next Change : TBD
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| S&P 500 10 Year Point-to-Point |
S&P 500 |
Point to Point
|
10-year |
Continuous Monthly |
70
|
|
|
|
American General Life Insurance Company
Vision Maximizer
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK DE IL MN MS NJ NY OR PA PR TX UT VI VT WA
|
0-75: 8.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
17 |
16 |
15 |
14 |
13 |
10 |
9 |
8 |
7 |
6 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,152)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
8.00
|
|
| Annual Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.50
|
| Annual Point-to-Point Account with Adjustable Participation |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
|
American National Insurance Company
ANICO Strategy Indexed Annuity 10
|
| 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 |
|
| 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:
MA MN NY OR PA PR UT VI VT
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,105)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Rate Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1 Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
Aviva Life and Annuity
Income Preferred Bonus
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
|
0-75: 7.00+ 76-78: 5.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
8.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,044)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate (no bonus)
|
1.65%
|
| 1-Year Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
3.50
|
| 1-Year Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.75
|
| 1-Year Point-to-Point Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.75
|
|
Aviva Life and Annuity
Income Preferred Bonus
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| 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 CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
|
0-75: 7.00+ 76-78: 5.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
8.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,044)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate (no bonus)
|
2.20%
|
| 1-Year Point-to-Point Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| 1-Year Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| 1-Year Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.00
|
|
Aviva Life and Annuity
Income Preferred Ten
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states TX, UT (10 years):
|
9.6 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.65%
|
| 1-Year Point-to-Point Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
3.50
|
| 1-Year Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.75
|
|
Aviva Life and Annuity
Income Preferred Ten
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| 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 CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states TX, UT (10 years):
|
9.6 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.45%
|
| 1-Year Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| 1-Year Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.00
|
| 1-Year Point-to-Point Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.50
|
|
Aviva Life and Annuity
Income Select 10
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,148)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1-Year S&P500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.25
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.75
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Point-to-Point DJ EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Point-to-Point Hang Seng |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
Aviva Life and Annuity
Income Select 10
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| 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 CA CT DE IN MN MS NJ OR PA SC TX UT VA WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,148)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.40%
|
| 1-Year S&P500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Point-to-Point Hang Seng |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.50
|
| 1-Year Point-to-Point DJ EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.50
|
|
Aviva Life and Annuity
Income Select Platinum
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AK CA IN MS SC VA
|
0-75: 5.00+ 76-78: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,148)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
2.40%
|
| 1-Year S&P 500 Point-to-Point Participation Index |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Point-to-Point Index S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| 1-Year Point to Point Guaranteed Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1 - Year Point to Point Hang Seng Index |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Point to Point Dow Jones EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
Aviva Life and Annuity
Income Select Platinum
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| 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 CA IN MS SC VA
|
0-75: 5.00+ 76-78: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,148)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Point-to-Point Participation Index |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Point-to-Point Index S&P 500 |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
7.50
|
| 1-Year Point to Point Guaranteed Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
3.20%
|
| 1-Year Point to Point Dow Jones EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.50
|
| 1 - Year Point to Point Hang Seng Index |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.50
|
|
Aviva Life and Annuity
Income Select Plus
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AK, CA, IN, MO, MS, MT, SC, UT, VA (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states CT, DE, MN, NJ, OR, PA, TX, WA (10 years):
|
14.9 |
13.5 |
12.1 |
10.6 |
9.2 |
7.7 |
6.2 |
4.7 |
3.1 |
1.5 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,205)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.75
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1 - Year Point to Point Dow Jones EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1 - Year Point to Point Hang Seng Index |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
Aviva Life and Annuity
Income Select Plus
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| 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 CA CT DE IN MN MS NJ OR PA SC TX UT VA WA
|
0-75: 7.50+ 76-78: 5.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AK, CA, IN, MO, MS, MT, SC, UT, VA (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states CT, DE, MN, NJ, OR, PA, TX, WA (10 years):
|
14.9 |
13.5 |
12.1 |
10.6 |
9.2 |
7.7 |
6.2 |
4.7 |
3.1 |
1.5 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,205)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.00
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.20%
|
| 1 - Year Point to Point Hang Seng Index |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.50
|
| 1 - Year Point to Point Dow Jones EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.50
|
|
ING USA Annuity and Life
ING Secure Index Opportunities Plus
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 |
| 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 CT DE MN NJ NY OR PR VI WA
|
0-80: 7.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CA, CO, DC, 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 |
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
For states UT (10 years):
|
9.1 |
8.3 |
7.4 |
6.6 |
5.7 |
4.8 |
3.9 |
2.9 |
1.9 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
ING USA Annuity and Life
ING Secure Index Opportunities Plus
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 |
| 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 CT DE MN NJ NY OR PR VI WA
|
0-80: 7.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CA, CO, DC, 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 |
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
For states UT (10 years):
|
9.1 |
8.3 |
7.4 |
6.6 |
5.7 |
4.8 |
3.9 |
2.9 |
1.9 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.00
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
|
ING USA Annuity and Life
ING Secure Index Outlook Annuity
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 |
| 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 |
|
Only Available in:
AK CT DE MN NJ PA UT WA
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,099)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
ING USA Annuity and Life
ING Secure Index Outlook Annuity
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 |
| 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 |
|
Only Available in:
AK CT DE MN NJ PA UT WA
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,099)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.00
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
|
Lincoln Financial Group
Lincoln OptiPoint 10
Low-Band
|
| 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 |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK MN NY OR UT
|
0-75: 3.50 76-80: 2.37
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.80%
(GMR/1000 $1,231)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.10%
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.50
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.45
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
Lincoln Financial Group
Lincoln OptiPoint 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 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK MN NY OR UT
|
0-75: 3.50 76-80: 2.37
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.80%
(GMR/1000 $1,243)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.50
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
8.45
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.10%
|
|
Phoenix Life Insurance Company
Phoenix Reflections 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 |
| 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:
CA DE ME NJ NV NY OR PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.75%
|
| 1 Year S&P 500® Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| 1 Year S&P 500 Performance Trigger |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1 Year Global Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
5.60
|
| 1 Year Domestic Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
6.25
|
|
Phoenix Life Insurance Company
Phoenix Reflections 10
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
|
Not Available in:
CA DE ME NJ NV NY OR PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year S&P 500 Performance Trigger |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1 Year S&P 500® Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.50
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.75%
|
| 1 Year Domestic Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
6.75
|
| 1 Year Global Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
6.00
|
|
Phoenix Life Insurance Company
Phoenix Reflections Bonus 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 |
| 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:
CA CT DE ME NJ NV NY OR PR VI
|
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| 1 Year S&P 500® Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.75
|
| 1 Year S&P 500 Performance Trigger |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1 Year Domestic Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
4.75
|
| 1 Year Global Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
4.30
|
|
Phoenix Life Insurance Company
Phoenix Reflections Bonus 10
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
|
Not Available in:
CA CT DE ME NJ NV NY OR PR VI
|
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year S&P 500® Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| 1 Year S&P 500 Performance Trigger |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.50%
|
| 1 Year Domestic Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
5.10
|
| 1 Year Global Look Back |
Blended Indicies |
Point to Point
|
Annual |
None |
60
|
|
4.60
|
|
RBC Insurance
RBC Choice 10 SPDA
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
Yes-Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK CT DE HI MN NJ NY OK OR PA PR UT VI
|
0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
9.5 |
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
For states CA, TX, WA (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.05%
|
| 1 Year S&P 500 Annual Point to Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
3.75
|
| 1 Year S&P 500 Monthly Additive Point to Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
0.00
|
1.50
|
| 1-Year DJIA Quarterly Additive Point-to-Point Cap |
DJIA |
Point to Point
|
Annual |
None |
100
|
0.00
|
2.00
|
| 1-Year DJIA Monthly Average Cap |
DJIA |
Point to Point
|
Annual |
Monthly |
100
|
0.00
|
5.00
|
|