Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Featured Products
|
|
Surrender Charges Last 10 Years
|
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: 07/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
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% |
4.35
|
3.35
|
3.45
|
3.45
|
|
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: 07/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
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% |
4.25
|
3.25
|
3.35
|
3.35
|
|
Oxford Life Insurance Company
Guarantee Annuity 5
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:
AK AL CA IL LA MA MO MS MT NH NJ NM NV NY OR PA PR VA VI VT WA WV
|
18-75: 2.50 76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 06/24/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1.25% |
4.3
|
3.05
|
3.30
|
3.30
|
|
Oxford Life Insurance Company
Guarantee Annuity 5
Mid-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- 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 CA IL LA MA MO MS MT NH NJ NM NV NY OR PA PR VA VI VT WA WV
|
18-75: 2.50 76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 06/24/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1.25% |
4.05
|
2.80
|
3.05
|
3.05
|
|
Oxford Life Insurance Company
Guarantee Annuity 5
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| 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 |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CA IL LA MA MO MS MT NH NJ NM NV NY OR PA PR VA VI VT WA WV
|
18-75: 2.50 76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 06/24/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1.25% |
3.55
|
2.30
|
2.55
|
2.55
|
|
|
Surrender Charges Last 7 Years
|
American Equity Investment Life Insurance Company
Guarantee 7 (SPDA-MYGA) MVA
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CA DE MN MO NY PA PR VI WA
|
0-75: 3.00 76-80: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 07/20/10
|
| Guaranteed Minimum Value: |
100% 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 |
3.75
|
2.00
|
3.75
|
3.75
|
|
American Equity Investment Life Insurance Company
Guarantee 7 (SPDA-MYGA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| 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 |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
CA DE MN PA WA
|
0-75: 2.50 76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 07/20/10
|
| Guaranteed Minimum Value: |
100% 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 |
3.25
|
2.00
|
3.25
|
3.25
|
|
|
Surrender Charges Last 5 Years
|
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA) MVA
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
AK AL CA DE MN MO NY PA PR VI WA
|
0-75: 3.00 76-80: 2.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 5 years: |
|
Rate Changed: 07/20/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-5
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
|
5 Years
|
none |
3.65
|
2.00
|
3.65
|
3.65
|
|
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only Available in:
CA DE MN PA WA
|
0-75: 2.50 76-80: 1.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 5 years: |
|
Rate Changed: 07/20/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-5
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
|
5 Years
|
none |
3.15
|
2.00
|
3.15
|
3.15
|
|
Great American Life Insurance Company
American Freedom Stars and Stripes Non-MVA 5
Low-Band
|
| Non-Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
| Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
|
| 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 |
|
Only Available in:
IN NJ PA
|
0-84: 3.00+ 85-89: 2.10+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 5 years: |
|
Rate Changed: 07/14/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-5
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
|
5 Years
|
none |
3
|
2.00
|
3.00
|
3.00
|
|
Great American Life Insurance Company
American Freedom Stars and Stripes Non-MVA 5
High-Band
|
| Non-Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
| Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
|
| 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 |
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:
IN NJ PA
|
0-84: 3.00+ 85-89: 2.10+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 5 years: |
|
Rate Changed: 07/14/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-5
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
|
5 Years
|
none |
3
|
2.00
|
3.00
|
3.00
|
|
Great American Life Insurance Company
American Freedom Stars and Stripes 5
High-Band
|
| Non-Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
| Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
|
| 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 |
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:
IN NJ NY OR PA PR VA VI
|
0-84: 3.00+ 85-89: 2.10+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 5 years: |
|
Rate Changed: 07/14/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00-2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1% |
1
|
|
2.95
|
2.95
|
|
Great American Life Insurance Company
American Freedom Stars and Stripes 5
Low-Band
|
| Non-Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
| Qualified |
| Owner: | 89 |
| Annuitant: | 89 |
|
| 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:
IN NJ NY OR PA PR VA VI
|
0-84: 3.00+ 85-89: 2.10+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 5 years: |
|
Rate Changed: 07/14/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00-2.00%
|
Next Change : TBD
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 5
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
with Bonus
|
5 Years
|
1% |
1
|
|
2.85
|
2.85
|
|
Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions Age: Rate
|
|
Surrender Charges Last 10 Years
|
Integrity Life Insurance
Momentum Advantage 10
|
| Non-Qualified |
| Owner: | 83 |
| Annuitant: | 83 |
| Qualified |
| Owner: | 83 |
| Annuitant: | 83 |
|
| Non-Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| No- Disability |
Yes-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:
AK ME NH NY PR SC UT VI VT WA
|
0-79: 3.50 80-83: 1.50
|
| 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, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, TX, VA, WI, WV, WY (10 years):
|
8 |
8 |
7 |
7 |
6 |
6 |
5 |
5 |
4 |
4 |
|
For states CT (10 years):
|
8 |
8 |
7 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 05/31/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
2.00-3.00%
|
Next Change : 07/31/10
|
| 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
|
0.75% |
4.25
|
3.50
|
3.57
|
3.57
|
|
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: 07/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
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 |
3.5
|
1.50-2.00
|
3.50
|
3.50
|
|
OM Financial Life Insurance Company
OM Guarantee-Platinum 5
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- 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:
MN NY OR PR VI WA
|
0-79: 2.50 80-90: 1.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 06/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 08/01/10
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-5
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
|
5 Years
|
none |
3.5
|
1.00
|
3.50
|
3.50
|
|
OM Financial Life Insurance Company
OM Guarantee-Platinum 5
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
| 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 |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not Available in:
MN NY OR PR VI WA
|
0-79: 2.50 80-90: 1.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 06/23/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : 08/01/10
|
| Product Type |
Rate Guarant'd |
Bonus |
Rate
Years 1-5
|
Guarant'd Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
5 Year
MYGA
|
5 Years
|
none |
3.5
|
1.00
|
3.50
|
3.50
|
|
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: 07/01/10
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.50-2.00%
|
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 |
3.4
|
1.50-2.00
|
3.40
|
3.40
|
|