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Indexed Annuity Detail Sheet

 
 
 
State
Premium
Qual
Flex?
Rating
Company
SC yrs
Age
Comm
%


Showing 1-30 of 214    Display: Print/Save |<  <<   Page 1 of 8   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years
Surrender Charges Last 8 Years
Surrender Charges Last 7 Years
Surrender Charges Last 5 Years

Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 17 Years

American Equity Investment Life Insurance Company

Bonus Gold (Index-1-05 & Index-7-05-OK)
Non-Qualified
Owner:80
Annuitant:
Qualified
Owner:80
Annuitant:
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:

DE OK
0-75: 8.20+
76-80: 6.15+
Withdrawal Notes: Prem Bonus: 10.00
For states DE (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2
For states OK (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2
Age 79+ in states OK (17 years): 20 19.5 19 18.5 18 17 16 15 13.5 12 10 8 6 4 2 0 0
 
Guaranteed Minimum Value: 84% of Premium at 3.00%
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 3.30%
S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60
S&P 500 Monthly Average w/ PR S&P 500 Point to Point Annual Monthly 35    
S&P 500 Monthly Average w/ CAP S&P 500 Point to Point Annual Monthly     5.75
S&P 500 Annual Point-to-Point w/ PR S&P 500 Point to Point Annual None 25    
S&P 500 Annual Point-to-Point w/ CAP S&P 500 Point to Point Annual None     5.75
Lehman Brothers U.S. Aggregate Annual Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
Dow Jones Annual Monthly Average DJIA Point to Point Annual Monthly     5.75
Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.75
Surrender Charges Last 16 Years

American Equity Investment Life Insurance Company

Bonus Gold (Index 1-07)
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  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 MN NY OK OR PR TX UT VI WA
0-75: 6.00+
76-80: 4.50+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 16 years:
20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2
 
Guaranteed Minimum Value: 84% of Premium at 3.00%
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Value 1-Year Fixed Rate (no bonus) 2.70%
1-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Annual Monthly     5.75
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75
1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25    
1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35    
1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60
1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75
1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75
1-Year Lehman U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
Surrender Charges Last 15 Years

Life of the Southwest

SecurePlus Accumulator 5
Non-Qualified
Owner:65
Annuitant:65
Qualified
Owner:65
Annuitant:65
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 

Not
Available in:

AL CT GA IL MN NJ NY OR PA PR UT VI WA
0-70: 7.00+
71-75: 6.00+
76-80: 4.00+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 15 years:
14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 2.45%  (GMR/1000 $1,321)
Account Name Indicie Type Reset Averaging Part Spread Cap
Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +5.00 Bonus
Ending Index Account S&P 500 Point to Point Annual None 100   5.00
Average Index Account S&P 500 Point to Point Annual Monthly 40   100.00

Life of the Southwest

SecurePlus Platinum
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:

AK CT NJ NY OR PR VI WA
0-70: 10.00+
71-75: 9.00+
76-80: 8.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 15 years:
14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 2.45%  (GMR/1000 $1,258)
Account Name Indicie Type Reset Averaging Part Spread Cap
Declared Interest Account 1-Year Fixed Rate (no bonus) 2.50%
Average Index Account S&P 500 Point to Point Annual Daily 40   100.00
Ending Index Account S&P 500 Point to Point Annual None 100   5.60

National Western Life

Liberty Champion
Non-Qualified
Owner:85
Annuitant:85
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  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

WY
Qualified
0-70: 9.25+
71-75: 7.75+
Non-Qual
0-70: 9.25+
71-80: 7.75+
81-85: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 15 years:
20 20 20 20 20 20 18 16 14 12 10 8 6 4 2
 
Guaranteed Minimum Value:
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed 1-Year Fixed Rate (no bonus) 2.25%
Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.20
Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 50 1.35  

National Western Life

NWL Ultra Future
Non-Qualified
Owner:85
Annuitant:80
Qualified
Owner:85
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  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:

AK AL CT MS NY OR TX
Qualified
0-70: 7.00+
71-75: 3.50+
76-80: 2.00+
Non-Qual
0-75: 7.00+
76-80: 5.00+
Withdrawal Notes: Prem Bonus: 2.00-10.00
Ages 0 to 46 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
For states DE, IL, IN, MA, MN, NJ, PA, UT, WA (9 years): 9.25 8.25 7.25 6.25 5 4 3 2 1
Ages 47 to 47 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 19 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10 8 6 4 2
Ages 48 to 48 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 8 6 4 2
Ages 49 to 49 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8 6 4 2
Ages 50 to 50 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2
Ages 51 to 51 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4 2
Ages 52 to 52 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2
Ages 53 to 53 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75
Ages 54 to 54 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75
Ages 55 to 55 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 14.25 13.5 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2
Ages 56 to 56 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 15.25 14.5 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2
Ages 57 to 57 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 16.25 15.25 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2
Ages 58 to 58 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 17.25 16.25 15.5 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
Ages 59 to 59 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 18.25 17.25 16.5 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
Age 60+ in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.50%  (GMR/1000 $1,203)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.90%
Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 0.85  
Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.30
Surrender Charges Last 14 Years

EquiTrust Life Insurance Company

Market Power Bonus Index
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CT DE MN NY OR PR TX UT VI WA
0-80: 8.50+
Withdrawal Notes: Prem Bonus: 10.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (14 years): 20 20 19 19 18 17 16 14 12 10 8 6 4 2
For states IL (10 years): 17 16 15 15 14 13 12 11 10 9.5
For states AK (10 years): 17 15 14 12 10 9 7 4 3 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,106)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     5.00
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00
2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     12.00
1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 40    
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00

National Western Life

NWL Ultra Benefit
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
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:

AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA
Qualified
0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 1.00+
Non-Qual
0-75: 8.00+
76-80: 6.00+
81-85: 3.50+
Withdrawal Notes: Prem Bonus: 4.00-5.00
Ages 0 to 49 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
Ages 50 to 50 in states AR, AZ, CA, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8 6 4 2
For states TX (14 years): 11.75 11 10 9.25 8.25 7.5 6.5 5.75 4.75 3.75 3 2.25 1.5 0.75
Ages 51 to 51 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2
Ages 52 to 52 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4 2
Ages 53 to 53 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2
Ages 54 to 54 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75
Ages 55 to 55 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75
Ages 56 to 56 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 13.5 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2
Ages 57 to 57 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WY (14 years): 14.5 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2
Ages 58 to 58 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15.25 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2
Ages 59 to 59 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 15.5 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
Age 60+ in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.50%  (GMR/1000 $1,132)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option B: Fixed Interest Rate 1-Year Fixed Rate (no bonus) 1.85%
Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 50 1.35  
Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.20

North American Company

Charter 14
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
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:

AK AL CT DE MN NY OR PR UT VI WA
0-75: 7.50+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,122)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed 1-Year Fixed Rate (no bonus) 2.15%
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.20
1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.50
1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.15
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 3.70
1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.10
1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.30
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   4.00
1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     3.90
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     3.80
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00
1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.45
1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     3.90
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 3.85

North American Company

Freedom Choice (5%) 14

Low-Band

Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
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:

AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
0-75: 5.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
9 9 9 9 8 8 7 7 6 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.10%  (GMR/1000 $1,020)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed 1-Year Fixed Rate (no bonus) 3.55%
1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.15
1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     7.15
1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     7.05
1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual<