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SPIA Products

State

Premium

Qual

Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Featured Products
Presidential Life Single Premium Immediate Income	B+	0	0	2,000	2,000
United of Omaha IRAdvantage Wealth Manager	A+	85	85	5,000	5,000	see notes

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Single Premium Immediate Elite Annuity	A	99	99	25,000	25,000	0-99: 3.00 see notes
American Equity Investment Life Insurance Company SPIA-1	A-	90	90	10,000	10,000	0-90: 4.00
American General Life Insurance Company Platinum Income High-Band	A	0	0	0	0	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A	90	90	15,000	3,500	see notes
EquiTrust Life Insurance Company Confidence Income	B+	90	90	30,000	30,000	0-90: 3.00+ see notes
Genworth Life Insurance Company SecureLivingSM Income Provider	A	95	95	5,000	5,000	0-95: 3.00
Genworth Life of New York SecureLivingSM Income Provider NY	A	95	95	5,000	5,000	0-95: 3.00
ING USA Annuity and Life ING SPIA	A	80	80	15,000	15,000	0-95: 3.00
Integrity Life Insurance Income Source	A+	95	95	10,000	10,000	see notes
Lincoln Benefit Life IncomeReady^SMSPIA	A+	90	90	5,000	5,000
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+	85	85	50,000	50,000	50-85: 3.00 see notes
National Integrity Life Insurance Income Source	A+	95	95	10,000	10,000	0-95: 3.75
National Western Life SPIA	A	0	0	0	0
North American Company NA Income	A+	85	85	10,000	2,000	0-85: 2.00 see notes
OM Financial Life Insurance Company OMImmediate-Safeguard	A-	95	95	5,000	5,000
OM Financial Life Insurance Company OMIncome-Income	A-	89	89	10,000	10,000	0-89: 3.00+ 90-94: 2.75+ see notes
Presidential Life Single Premium Immediate Annuity	B+	0	0	2,000	2,000	0-99: 2.50 see notes

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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