Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 10 Years
|
American Equity Investment Life Insurance Company
Premier Eagle 12 (FRG-2-09)
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT DE IN MN NV NY OK OR PA PR SC TX UT VI WA
|
0-78: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
9.00
|
| Withdrawal Charges 10 years: |
|
12.5 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
Rate Changed: 10/08/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.6
|
1.00
|
2.48
|
1.93
|
|
American General Life Insurance Company
AG HorizonMYG (CA)
|
| 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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states CA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states OH (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 02/06/12
|
| Guaranteed Minimum Value: |
90% of Premium
at
2.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 6
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
Fixed
with Bonus
|
6 Years
|
4% |
6
|
2.00
|
2.39
|
2.39
|
|
North American Company
North American Flex II
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | |
| Qualified |
| Owner: | 79 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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 AL CT DE MA MN NV NY OR PR TX UT VI WA
|
0-75: 4.50+
76-79: 3.38+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states FL (10 years):
|
15 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
4 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.8
|
1.00
|
2.30
|
1.57
|
|
American National Insurance Company
Palladium Century 7
|
| 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 |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
0-74: 5.00+
75-80: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
7% |
8.55
|
1.00
|
2.23
|
1.73
|
|
North American Company
Boomer Annuity
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| 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 AL CT DE MN MS NY OR PA PR TX UT VI WA
|
0-80: 7.00+
81-80: 5.25+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (10 years):
|
14 |
13 |
12 |
11 |
10 |
9 |
8 |
6 |
4 |
2 |
|
Rate Changed: 01/19/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.65
|
1.00
|
2.15
|
1.56
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year)
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 |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
CT DE MN NJ NV NY OR PA PR WA
|
0-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
|
For states AK, 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, SC, SD, TN, UT, VA, VI, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.55
|
1.00
|
2.05
|
1.55
|
|
American National Insurance Company
Palladium Century 5
|
| 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 |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
0-74: 6.00+
75-80: 3.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
6.55
|
1.00
|
2.04
|
1.54
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Bonus (1-Year)
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 |
|
| Yes-Disability |
No- Unemployment |
| Yes-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 WA
|
0-75: 6.00+
76-78: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
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, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.6
|
1.00
|
2.00
|
1.46
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Xtra (1-Year)
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 |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NV NY OR PA PR UT WA
|
0-75: 6.00+
76-78: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
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, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.6
|
1.00
|
2.00
|
1.46
|
|
Life of the Southwest
Retire Five
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Special Enhanced Life Income Options |
| No- Terminal Illness |
Yes-Nursing Home |
| No- Annualization |
|
Not
Available in:
MS NJ NV NY OR PA PR UT VI WA
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 59+ in states AK, AL, CA, DE, MN, TX (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Ages 0 to 58 in states AK, AL, CA, DE, MN, TX (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 09/22/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
6.5
|
1.00
|
1.99
|
1.54
|
|
Life of the Southwest
RetireMax Millennium Plus
|
| 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- Long Term Care |
| No- Extended Care Waiver |
No- Special Enhanced Life Income Options |
| No- Terminal Illness |
Yes-Nursing Home |
| No- Annualization |
|
Not
Available in:
NJ NY OR PR VI
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, CT, DC, DE, 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, VA, VT, WI, WV, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Ages 0 to 58 in states AK, AL, MN, TX, UT, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 59+ in states AK, AL, MN, TX, UT, WA (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 09/22/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
5% |
6.5
|
1.00
|
1.99
|
1.54
|
|
American National Insurance Company
Palladium Century 3
|
| 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 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
0-74: 7.00+
75-UP: 4.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
4.55
|
1.00
|
1.85
|
1.35
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| 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:
CT DE MN NJ NY OR PA PR VI WA
|
0-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
|
For states AK, 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 TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.55
|
1.00
|
1.75
|
1.26
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus S
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | |
| Qualified |
| Owner: | 78 |
| Annuitant: | |
|
| 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 |
|
Only
Available in:
CT DE MN OR WA
|
0-75: 5.00+
76-78: 3.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.75
|
1.52
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) S
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 |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Only
Available in:
CT DE MN OR PA WA
|
0-75: 6.50
76-78: 4.50
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.75
|
1.52
|
|
American General Life Insurance Company
AG HorizonMYG
|
| 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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA NJ NY PR UT VI
|
0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, OR, PA, RI, SD, TN, TX, VA, VT, WA, WI, WV, WY (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states DE, NV, OH (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 02/06/12
|
| Guaranteed Minimum Value: |
90% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Rate
Year 6
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
6 Year
Fixed
with Bonus
|
6 Years
|
4% |
5.35
|
1.35
|
1.74
|
1.60
|
|
Life of the Southwest
RetireMax FPDA 2 403(b)
|
| Non-Qualified |
| Owner: | |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Special Enhanced Life Income Options |
| Yes-Terminal Illness |
No- Nursing Home |
| No- Annualization |
|
Not
Available in:
AK AL MD NJ NY OR PA PR UT VI WA WY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 59+ in states TX (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 09/22/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2.6
|
1.00
|
1.70
|
1.16
|
|
Life of the Southwest
RetireMax Roth Advantage
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Special Enhanced Life Income Options |
| No- Terminal Illness |
Yes-Nursing Home |
| No- Annualization |
|
Not
Available in:
AK AL MD NJ NY OR PA PR UT VI WA WY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 59+ in states TX (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 09/22/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2.6
|
1.00
|
1.70
|
1.16
|
|
Life of the Southwest
RetireTwo
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Special Enhanced Life Income Options |
| No- Terminal Illness |
Yes-Nursing Home |
| No- Annualization |
|
Not
Available in:
AK AL MD NJ NY OR PA PR UT VI WA WY
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Age 59+ in states TX (9 years):
|
8.25 |
8.25 |
7.25 |
6.25 |
5 |
4 |
3 |
2 |
1 |
|
|
Rate Changed: 09/22/11
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2.6
|
1.00
|
1.70
|
1.16
|
|
American National Insurance Company
Palladium Century 1
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 90 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 4,000 |
| Monthly: | 4,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
Yes-Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AL CT IL MA MN NJ NV NY OR PA TX UT VI WA
|
0-74: 8.00+
75-90: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2.55
|
1.00
|
1.65
|
1.15
|
|
ReliaStar Life Insurance Company
ING StrataFlex (TSA/457)
|
| Non-Qualified |
| Owner: | 0 |
| Annuitant: | 0 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AL NY PR VI VT
|
0-75: 6.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1.5% |
2.95
|
|
1.60
|
1.29
|
|
Forethought Financial
Secure Bonus 115sm
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| 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, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.5
|
1.00
|
1.50
|
1.05
|
|
Forethought Financial
Secure Bonus 115sm
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| 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, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.5
|
1.00
|
1.50
|
1.05
|
|
Forethought Financial
Secure Bonus 115sm
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| 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, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.5
|
1.00
|
1.50
|
1.05
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus S
Low-Band
|
| 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 |
|
Only
Available in:
CT DE MN OR WA
|
0-75: 5.00+
76-78: 3.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.49
|
1.49
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year)
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 |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
CT DE MN NJ NV NY OR PA PR WA
|
0-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
|
For states AK, 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, SC, SD, TN, UT, VA, VI, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.49
|
1.49
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) S
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 |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Only
Available in:
CT DE MN OR PA WA
|
0-75: 6.50
76-78: 4.50
|
| Withdrawal Notes: |
|
Prem Bonus:
2.00-5.00
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.49
|
1.49
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Bonus (1-Year)
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 |
|
| Yes-Disability |
No- Unemployment |
| Yes-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 WA
|
0-75: 6.00+
76-78: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
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, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.40
|
1.40
|
|
Aviva Life & Annuity (MultiChoice Series)
Freedom Xtra (1-Year)
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 |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Home Health Care Waiver |
No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NV NY OR PA PR UT WA
|
0-75: 6.00+
76-78: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
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, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
|
For states TX (10 years):
|
10.2 |
8.9 |
7.6 |
6.2 |
5.2 |
4.5 |
3.8 |
3.1 |
2.4 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.40
|
1.40
|
|
Forethought Financial
Secure Bonus 115 Plussm
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK IN ND NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, 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, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
4
|
1.00
|
1.30
|
1.30
|
|
Forethought Financial
Secure Bonus 115 Plussm
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK IN ND NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, 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, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
4
|
1.00
|
1.30
|
1.30
|
|
Forethought Financial
Secure Bonus 115 Plussm
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK IN ND NY OR PR VI WA
|
0-75: 7.50+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, 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, DE, FL, MN, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
3% |
4
|
1.00
|
1.30
|
1.30
|
|
Forethought Financial
Secure Income 125
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CA MA MN MT NV NY OR PR VA VI WA
|
0-75: 7.00+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SD, TN, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states AK, CT, DE, FL, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.25
|
1.03
|
|
Forethought Financial
Secure Income 125
Mid-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CA MA MN MT NV NY OR PR VA VI WA
|
0-75: 7.00+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SD, TN, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states AK, CT, DE, FL, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.25
|
1.03
|
|
Forethought Financial
Secure Income 125
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| 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 |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
CA MA MN MT NV NY OR PR VA VI WA
|
0-75: 7.00+
76-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SD, TN, VT, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states AK, CT, DE, FL, SC, TX, UT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1.25
|
1.00
|
1.25
|
1.03
|
|
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus
Low-Band
|
| 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:
CT DE MN NJ NY OR PA PR VI WA
|
0-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
|
For states AK, 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 TX (10 years):
|
12.1 |
11 |
9.8 |
8.6 |
7.4 |
6.2 |
5 |
3.8 |
2.5 |
1.2 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
100% of Premium
at
1.00%
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
|
1 Year
|
none |
1
|
1.00
|
1.20
|
1.20
|
|
ReliaStar Life Insurance Company
ING StrataFlex (NQ)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 0 |
| Annuitant: | 0 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| Yes-Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AL NH NJ NY OR PA PR TX VI VT
|
0-74: 6.50+
75-80: 4.90+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
|
Next Change : TBD
|
| Product Type |
Rate
Guarant'd |
Bonus |
Rate
First Year
|
Guarant'd
Min Rate
|
Yield to SurrenderTM |
| Current |
Guarant'd |
|
1-Year
Fixed
with Bonus
|
1 Year
|
1% |
2
|
|
1.10
|
1.20
|
|
|
Surrender Charges Last 9 Years
|
EquiTrust Life Insurance Company
ChoiceFour (MVA Option)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| 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 IN MA MD MN NY OK OR PR TX UT VI VT WA
|
0-80: 5.50
81-85: 4.13
|
| Withdrawal Notes: |
|
Premium Bonus:
1.50
|
|
For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, WI, WV, WY (9 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states FL (9 years):
|
10 |
10 |
10 |
9 |
8 |
7 |
6 |
4 |
2 |
|
For states NV (9 years):
|
9 |
8 |
7 |
6.5 |
5.5 |
|
