Product Details for Fixed Indexed Annuities

PFG Marketing Group, Inc.
Call PFG today at: (800) 944-1831
In Arizona call: (602) 944-2220
Click on product name for more details
“Relentless Support for Financial Professionals”
 
 
 
 
 
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Showing 1-50 of 228    Display: Print/Save |<  <<   Page 1 of 5   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Featured Products
Surrender Charges Last 16 Years

American Equity Investment Life Insurance Company

Bonus Gold (Index 1-07)
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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN NV NY OK OR PR TX UT VI WA 		0-75: 6.00+
76-80: 4.50+
Withdrawal Notes: Prem Bonus: 10.00
Ages 0 to 76 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2
Ages 0 to 76 in states IN (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2
Age 77+ in states IN (16 years): 17.5 16.5 15.5 15 14 13 12.5 11.5 10.5 10 9 7.5 6 4.5 3 1.5
 
Guaranteed Minimum Value: 80% of Premium at 1.50%
Account Name Indicie Type Reset Averaging Part Spread Cap
10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25
1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25
1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25
1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20    
Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75%
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25
1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20    
1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80
Surrender Charges Last 15 Years

National Western Life

NWL Ultra Future
Non-Qualified
Owner:85
Annuitant:55
Qualified
Owner:85
Annuitant:55
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 

Not
Available in:

AK AL CT DE IL IN MA MN MS NJ NV NY OR PA PR UT WA
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qual
0-75: 5.00+
76-80: 3.00+
Withdrawal Notes: Prem Bonus: 4.75-10.00
Ages 0 to 46 (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
Ages 47 to 47 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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+ (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 1.00%  (GMR/1000 $1,117)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option B: Fixed Account 1-Year Fixed Rate (no bonus) 1.90%
Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75
Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 1.70  
Surrender Charges Last 14 Years

EquiTrust Life Insurance Company

Market Power Bonus Index
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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

CT DE MN NV NY OR PR TX UT VI WA 		0-75: 8.50+
Withdrawal Notes: Prem Bonus: 10.00
For states AL, AR, AZ, CA, CO, DC, 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, 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 2.00%  (GMR/1000 $1,270)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50%
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.50
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25
1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 20    
2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     8.00
1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.50

EquiTrust Life Insurance Company

MarketTwelve Bonus
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:30,000
Monthly:30,000
Qualified
Single:30,000
Monthly:30,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE FL MN NV NY OR PR TX UT VI WA 		0-75: 9.00
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 14 years:
20 20 19 19 18 17 16 14 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 2.00%  (GMR/1000 $1,224)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.00
1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.25
2-Year Monthly Average Cap S&P 500 Point to Point Biennial Monthly     7.00
1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00
1-Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 20    
1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.15%

Fidelity & Guaranty Life

Prosperity Elite 14 Protection
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  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA 		0-79: 8.00
80-85: 4.00
Withdrawal Notes: Premium Bonus: 9.00
Withdrawal Charges 14 years:
14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,096)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75
3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00
Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00
2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25
1-Year Performance Triggered Account S&P 500 Perf Trig Annual None      
1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50
Surrender Charges Last 13 Years

National Western Life

NWL Ultra Classic
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 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK AL CT DE IL IN MA MN MS NJ NV NY OR PA SC UT WA
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qual
0-75: 10.00+
76-80: 8.50+
Withdrawal Notes: No Premium Bonus
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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 14.25 13.25 12.5 11.75 10.75 10.75 9 8.25 7.25 6.5 5.5 4 2
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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2
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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 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
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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 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 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
Ages 0 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, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
For states TX (13 years): 10.75 9.75 9 8 7.25 6.25 5.25 4.25 3.25 2.25 1.75 1 0.75
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $996)
Account Name Indicie Type Reset Averaging Part Spread Cap
Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 1.70  
Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.40%
Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.75
Surrender Charges Last 10 Years

Allianz Life Insurance Company of North America

MasterDex 5 Plus Annuity
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  Yes-Unemployment 
No- Hospitalization  Yes-Flex. Annuity Option 
Yes-Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Waiver  Yes-Death Benefit Rider 
No- Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 7.00+
76-80: 5.00+
Withdrawal Notes: Prem Bonus: 3.00-5.00
For states AK, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 15 15 15 15 12.86 10.71 8.57 6.43 4.29 2.14
For states AL, DE, IA, IN, KY, MN, MS (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
For states CT, NJ, PA, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 2.00%  (GMR/1000 $1,120)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00
1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50%
1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.70
1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.00
1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50  
1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00
1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     3.00
1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.70
1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     1.80

Allianz Life Insurance Company of North America

MasterDex X Annuity
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:20,000
Monthly:20,000
Qualified
Single:20,000
Monthly:20,000
No- Disability  Yes-Unemployment 
No- Hospitalization  Yes-Flex. Annuity Option 
Yes-Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Waiver  Yes-Death Benefit Rider 
No- Terminal Illness  Yes-Nursing Home 
No- Annualization 

Not
Available in:

CT NY PR VI 		0-75: 7.00+
76-80: 5.00+
Withdrawal Notes: Premium Bonus: 6.00
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25
For states PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1
For states IN, MN, MS, OR (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
 
Guaranteed Minimum Value: 87.5% of Premium at 1.95-2.05%  (GMR/1000 $1,136)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     1.90
1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00
1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.60%
1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.30
1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.25
1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.80
1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00
1 Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.00
1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50  
1 Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None     3.25
1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.80
Surrender Charge schedule is 10 years. Bonus fully vests in 14 years

American Equity Investment Life Insurance Company

Retirement Gold (02-09)
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE FL MN NV NY OR PA PR SC UT VI WA 		0-78: 6.00+
Withdrawal Notes: Prem Bonus: 5.00-8.00
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 12.5 12 12 11 10 9 8 7 6 4
Ages 0 to 73 in states IN (10 years): 12.5 12 12 11 10 9 8 7 6 4
Age 74+ in states IN (10 years): 10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.50%
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00
1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual None 15    
1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 15    
1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60
Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.60%
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00

Aviva Life & Annuity (Income Series)

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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT VI WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Prem Bonus: 6.00-8.00
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, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
 
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) 1.00%
1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00

Aviva Life & Annuity (Income Series)

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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT VI WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Prem Bonus: 6.00-8.00
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, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,044)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.25
1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%

EquiTrust Life Insurance Company

Market Ten 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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NV NY OR PR TX UT VI WA 		0-80: 6.00+
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 10 years:
10 10 10 10 10 9 8 7 6 4
 
Guaranteed Minimum Value: 100% of Premium at 1.00%  (GMR/1000 $1,171)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Monthly Cap Index Account S&P 500 Point to Point Annual Monthly Sum     1.25
1-Year S&P 500 Point-to-Point Cap Index Account S&P 500 Point to Point Annual None     3.00
1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.00
1-Year Interest Account 1-Year Fixed Rate (no bonus) 1.15%
1-Year S&P 500 Monthly Average Participation Index Account S&P 500 Point to Point Annual Monthly 20    
2-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Biennial Monthly     7.00

Fidelity & Guaranty Life

Prosperity Elite 10 Protection
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  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

CT MN MS NH NY OR PR VI WA 		0-79: 7.00+
80-85: 3.50+
Withdrawal Notes: Premium Bonus: 8.00
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 11 10 9 8 7 6 5 4 3
For states MA, NV, OK, TX, UT (10 years): 9 9 8 7 6 5 4 3 2 1
Age 65+ in states FL (10 years): 9 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,044)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.40
1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.25
3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     15.50
Fixed Account 1-Year Fixed Rate (no bonus) 2.25%
1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     4.75
2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     9.75
1-Year Performance Triggered Account S&P 500 Perf Trig Annual None      

Forethought Financial

Index Bonus 115sm

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK DE NY OR PR VI WA 		0-75: 8.00+
76-85: 5.50+
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 4 2
For states CT, FL, MN, SC, TX, UT (10 years): 10 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
Annual Point-to-Point with Cap S&P 500 Point to Point Annual None     3.00
Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     0.75
Fixed Account Strategy 1-Year Fixed Rate (no bonus) 1.00%

Forethought Financial

Index Bonus 115sm

Mid-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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK DE NY OR PR VI WA 		0-75: 8.00+
76-85: 5.50+
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 4 2
For states CT, FL, MN, SC, TX, UT (10 years): 10 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 Account Strategy 1-Year Fixed Rate (no bonus) 1.00%
Annual Point-to-Point with Cap S&P 500 Point to Point Annual None     3.25
Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     1.00

Forethought Financial

Index Bonus 115sm

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK DE NY OR PR VI WA 		0-75: 8.00+
76-85: 5.50+
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 4 2
For states CT, FL, MN, SC, TX, UT (10 years): 10 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 Account Strategy 1-Year Fixed Rate (no bonus) 1.00%
Annual Point-to-Point with Cap S&P 500 Point to Point Annual None     3.50
Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     1.25

Great American Life Insurance Company

Safe Return
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

DE NY PR VI
Qualified
18-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Non-Qual
0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 1.00%  (GMR/1000 $1,105)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     4.00
Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.10%
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     4.00

ING Annuity and Asset Sales

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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

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, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4
For states NV, TX, 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
Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.10
Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50%
Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None     10.00
Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     2.00

ING Annuity and Asset Sales

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- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

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, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4
For states NV, TX, 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
Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.50
Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50%
Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None     10.00
Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     3.50

PHL Variable Insurance Company (Legacy)

CommandMark 12
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:3,000
Monthly:3,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE FL IL IN ME MN MO NJ NV NY OH OK OR PA PR SC TX UT VA VI WA 		0-75: 7.00
76-80: 5.25
81-85: 3.50
Withdrawal Notes: Prem Bonus: 12.00
Withdrawal Charges 10 years:
15 15 14 13 12 10 9 8 7 6 0
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,083)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Guaranteed Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.00%
1-Year Rising Interest Strategy U.S. 10-Year Swap Rate Point to Point Annual None      
1-Year Point-to-Point with Cap S&P 500 Point to Point Annual None     1.25
1-Year Gold Strategy London Gold PM Point to Point Annual None     1.00

Phoenix Life Insurance Company

Phoenix Personal Income Annuity
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

AL AR AZ CA CO DC GA HI ID IL KS LA MA MI MT ND NE NM RI SC SD TN VT WI WV WY 		0-75: 7.50
76-80: 5.00
81-85: 3.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 12 11 10 9 8 7 6 4
 
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) 0.85%
1-Year S&P 500 S&P 500 Point to Point Annual None     1.50
1-Year DJIA DJIA Point to Point Annual None     1.00
1-Year Balanced Allocation Blended Indicies Point to Point Annual None     1.00
Monthly S&P 500 S&P 500 Point to Point Annual Monthly Sum     1.00
2-Year S&P500 S&P 500 Point to Point Biennial None     4.50
1-Year Euro Stoxx 50 DJ EuroStoxx 50 Point to Point Annual None     1.00

Phoenix Life Insurance Company (AltiSure Group)

Premier LifeStyle Annuity (High Surrender)
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

AL AR AZ CA CO DC GA HI ID IL KS LA MA MI MT ND NE NM RI SC SD TN VT WI WV WY 		0-70: 7.50
71-80: 5.50
81-86: 3.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $967)
Account Name Indicie Type Reset Averaging Part Spread Cap
Monthly Cap Strategy S&P 500 Point to Point Annual Monthly Sum     1.00
Two-Year Safety Growth Strategy S&P 500 Point to Point Biennial None 20 5.00  
Annual Point-to-Point S&P 500 Point to Point Annual None     1.50
One-Year Safety Growth Strategy S&P 500 Point to Point Annual None 15 5.00  
Fixed Account 1-Year Fixed Rate (no bonus) 0.85%

Phoenix Life Insurance Company (AltiSure Group)

Premier LifeStyle Annuity (Low Surrender)
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

CT FL IA IN KY MD MS NH NV OH OK PA TX UT 		0-70: 7.50
71-80: 5.50
81-86: 3.50
Withdrawal Notes: No Premium Bonus
For states CT, FL, IA, IN, MD, MS, NH, NV, OK, PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1
For states KY, OH, TX (10 years): 9.1 8.2 7.3 6.4 5.5 4.6 3.7 2.8 1.8 0.9
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $967)
Account Name Indicie Type Reset Averaging Part Spread Cap
One-Year Safety Growth Strategy: S&P 500 Point to Point Annual None 15 5.00  
Annual Point-to-Point S&P 500 Point to Point Annual None     1.50
Fixed Account 1-Year Fixed Rate (no bonus) 0.85%
Monthly Cap Strategy S&P 500 Point to Point Annual Monthly Sum     1.00
Two-Year Safety Growth Strategy S&P 500 Point to Point Biennial None 20 5.00  

Phoenix Life Insurance Company (AltiSure Group)

Secure LifeStyle Bonus Annuity (High Surrender)
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

AL AR AZ CO DC GA HI ID IL KS LA MA MI MT ND NE NM RI SC SD TN VT WI WV WY 		0-70: 6.50
71-80: 5.00
81-86: 3.00
Withdrawal Notes: Premium Bonus: 8.00
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,044)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Account 1-Year Fixed Rate (no bonus) 0.75%
Monthly Cap Strategy S&P 500 Point to Point Annual Monthly Sum     1.00
Annual Point-to-Point S&P 500 Point to Point Annual None     1.25
Two-Year Safety Growth Strategy S&P 500 Point to Point Biennial None 20 5.00  
One-Year Safety Growth Strategy S&P 500 Point to Point Annual None 15 5.00  

Phoenix Life Insurance Company (AltiSure Group)

Secure LifeStyle Bonus Annuity (Low Surrender)
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

FL IA IN KY MD MS NH NV OH OK PA TX UT 		0-70: 6.50
71-80: 5.00
81-86: 3.00
Withdrawal Notes: Premium Bonus: 6.00
For states FL, IA, IN, MD, MS, NH, NV, OK, PA, UT (10 years): 10 9 8