Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
Surrender Charges Last 14 Years
|
North American Company
Charter 14
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | |
| Qualified |
| Owner: | 75 |
| 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 |
No- Annualization |
|
Not
Available in:
AK AL CT DE MN NV NY OR PR TX UT VI WA
|
0-75: 7.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states 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, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states TX (14 years):
|
15 |
15 |
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8.5 |
8 |
7 |
6 |
5 |
|
|
| 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 S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
|
|
2.75
|
| 1-Year NASDAQ-100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
| 1-Year S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
3.00
|
| 1-Year Hindsight Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
2.35
|
| 1-Year Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
|
|
2.60
|
| 1-Year Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
|
|
3.00
|
| 1-Year Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
2.50
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| 1-Year S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
2.55
|
| 1-Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
2.75
|
| 1-Year Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
2.50
|
| 1-Year Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
100
|
|
2.65
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| 1-Year Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
3.05
|
|
North American Company
North American Prizm Plus 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 |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT DE MN NV NY OR PR TX UT VI WA
|
0-75: 7.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
|
For states 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, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
15 |
14 |
12 |
10 |
8 |
6 |
4 |
2 |
|
For states IL (14 years):
|
18 |
18 |
17 |
15 |
15 |
15 |
14 |
13 |
12 |
10 |
8 |
6 |
4 |
2 |
|
|
| 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 Russell 2000 Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
15
|
|
|
| 1-Year S&P 500 Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
30
|
|
|
| 1-Year Nasdaq -100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly |
|
|
1.50
|
| 1-Year Nasdaq 100 Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
15
|
|
|
| 1-Year DJIA Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
35
|
|
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| 1-Year S&P 400 Monthly Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
25
|
|
|
| 1-Year Russell 2000 Monthly Averaging |
Russell 2000 |
Point to Point
|
Annual |
Monthly |
20
|
|
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
20
|
|
|
| 1-Year DJIA Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
20
|
|
|
| 1-Year DJ EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
20
|
|
|
| 1-Year S&P 400 Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
15
|
|
|
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
|
|
Surrender Charges Last 12 Years
|
American General Life Insurance Company
AG HorizonIndex Annuity 12
|
| 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 CT DE FL MN NJ NV NY OH OR PR SC TX UT VI VT WA
|
0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
12 |
12 |
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
5 |
3 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.50%
(GMR/1000 $1,130)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 2-Year Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
6.75
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.30%
|
|
|
Surrender Charges Last 10 Years
|
Aviva Life & Annuity (Income Series)
Income Preferred Ultra
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: 7.50+
76-78: 5.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
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, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states SC, TX (10 years):
|
12.4 |
11.9 |
10.6 |
9.3 |
8 |
6.7 |
5.4 |
4.1 |
2.7 |
1.3 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
Next Change : TBD
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate with Bonus
|
1.45% +5.00 Bonus
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Ultra
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: 7.50+
76-78: 5.50+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
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, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
16 |
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
|
For states SC, TX (10 years):
|
12.4 |
11.9 |
10.6 |
9.3 |
8 |
6.7 |
5.4 |
4.1 |
2.7 |
1.3 |
|
Rate Changed: 01/06/12
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
Next Change : TBD
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate with Bonus
|
1.00% +5.00 Bonus
|
|
American National Insurance Company
Value Lock 10
|
| 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 |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
MA MN NY OR UT VI VT
|
0-75: 10.00
76-80: 8.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
3 |
|
For states CT, IL, PA, WA (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.00-1.75%
(GMR/1000 $1,071)
|
Next Change : TBD
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| S&P 500 10 Year Point-to-Point |
S&P 500 |
Point to Point
|
10-year |
Continuous Monthly |
75
|
|
|
|
Allianz Life Insurance Company of North America
Endurance Plus
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
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 PR VI WA
|
0-75: 7.00+
76-80: 3.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, 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 AL, CA, DE, IA, IN, KY, MN, MS, TX (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 (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.50%
(GMR/1000 $1,044)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year FTSE 100 Point-to-Point Cap |
FTSE 100 |
Point to Point
|
Annual |
None |
|
|
3.75
|
| 1 Year S&P 500 SELECT Monthly Sum Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.40
|
| 1 Year Blended Monthly Average |
Blended Indicies |
Point to Point
|
Annual |
Monthly |
|
4.50
|
|
| 1-Year Nasdaq 100 Monthly Sum Cap |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| 1 Year FTSE 100 Monthly Sum Cap |
FTSE 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.00
|
| 1 Year S&P 500 SELECT Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.25
|
| 1 Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.25
|
| 1 Year Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.90%
|
| 1 Year Blended Point-to-Point Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.50
|
| 1-Year S&P 500 Monthly Sum Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.90
|
| 1 Year Nasdaq 100 Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
3.25
|
|
Allianz Life Insurance Company of North America
MasterDex 10 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:
CA CT FL NV NY OR PA PR UT VI WA
|
0-75: 7.00+
76-80: 5.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
10.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,063)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year FTSE 100 Point-to-Point Cap |
FTSE 100 |
Point to Point
|
Annual |
None |
|
|
5.00
|
| 1 Year Nasdaq 100 Monthly Sum Cap |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1 Year FTSE 100 Monthly Sum Cap |
FTSE 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.30
|
| 1 Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.50
|
| 1 Year Blended Point-to-Point Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
4.50
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.20%
|
| 1 Year S&P 500 Monthly Sum Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1 Year Nasdaq 100 Point-to-Point Cap |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
4.50
|
| 1 Year Blended Monthly Average Spread |
Blended Indicies |
Point to Point
|
Annual |
Monthly |
|
4.50
|
|
|
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
|
|
American National Insurance Company
ANICO Strategy Indexed Annuity 10
|
| 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 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
MA MN NY OR PA UT VI VT
|
0-75: 8.00+
76-80: 6.50+
81-85: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.00%
(GMR/1000 $994)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Declared Rate Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.00%
|
|
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%
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro
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 |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
FL
|
65-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
6.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,025)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
2.00
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
2.00
|
| Fixed Strategy |
1-Year
Fixed Rate (no bonus)
|
1.00%
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.05
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro
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 |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
FL
|
65-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
Premium Bonus:
6.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,025)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Strategy |
1-Year
Fixed Rate (no bonus)
|
1.55%
|
| 1-Year S&P 500 Monthly Cap |
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
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.25
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Bonus 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 |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
AK CT MN UT WA
|
0-75: 6.00+
76-78: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
For states CT, MN, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states AK, UT (10 years):
|
12.4 |
11.9 |
10.6 |
9.3 |
8 |
6.7 |
5.4 |
4.1 |
2.7 |
1.3 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,005)
|
|
| 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 Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
2.00
|
| 1-Year Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
1.05
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Bonus 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 |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
AK CT MN UT WA
|
0-75: 6.00+
76-78: 4.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
|
For states CT, MN, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states AK, UT (10 years):
|
12.4 |
11.9 |
10.6 |
9.3 |
8 |
6.7 |
5.4 |
4.1 |
2.7 |
1.3 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,005)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
1.60
|
| 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 Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
3.25
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Ten
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:
DE NJ NY OR PA PR VI WA
|
0-75: 7.50+
76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 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
|
| Fixed |
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
|
|
Aviva Life & Annuity (Income Series)
Income Preferred Ten
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:
DE NJ NY OR PA PR VI WA
|
0-75: 7.50+
76-78: 5.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $967)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Average Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
3.25
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.40%
|
| 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
|
|
Aviva Life & Annuity (Income Series)
Income Select 10
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 |
|
Only
Available in:
DE NJ OR PA
|
0-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,148)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year S&P500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year Point-to-Point DJ EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.05
|
| 1-Year Point-to-Point Hang Seng |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
|
Aviva Life & Annuity (Income Series)
Income Select 10
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 |
|
Only
Available in:
DE NJ OR PA
|
0-75: 6.50+
76-78: 4.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,148)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| 1-Year Point-to-Point Hang Seng |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1-Year S&P500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| 1-Year Point-to-Point DJ EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
|
Aviva Life & Annuity (Income Series)
Income Select Plus 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 |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
DE OR PA
|
0-75: 5.00+
76-78: 3.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
Withdrawal Charges 10 years:
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Withdrawal Charges 10 years:
|
13.1 |
11.9 |
10.6 |
9.3 |
8 |
6.7 |
5.4 |
4.1 |
2.7 |
1.3 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,205)
|
|
| 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 |
|
|
4.00
|
| 1 - Year Point to Point Dow Jones EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.05
|
| 1 - Year Point to Point Hang Seng Index |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
|
Aviva Life & Annuity (Income Series)
Income Select Plus 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 |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
DE OR PA
|
0-75: 5.00+
76-78: 3.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-5.00
|
|
Withdrawal Charges 10 years:
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Withdrawal Charges 10 years:
|
13.1 |
11.9 |
10.6 |
9.3 |
8 |
6.7 |
5.4 |
4.1 |
2.7 |
1.3 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.75%
(GMR/1000 $1,205)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1-Year S&P 500 Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1 - Year Point to Point Dow Jones EUROSTOXX 50 |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
| 1 - Year Point to Point Hang Seng Index |
Hang Seng |
Point to Point
|
Annual |
None |
|
|
4.00
|
| 1-Year S&P 500 Point-to-Point w/ Participation |
S&P 500 |
Point to Point
|
Annual |
None |
25
|
|
|
|
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity
Low-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| 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:
FL HI NJ NY OR PA PR VI WA
|
0-74: 7.00
75-78: 5.00
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-6.00
|
|
For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states CT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states AK, DE, MN, NV, SC, TX, UT (10 years):
|
9.8 |
9.5 |
8.5 |
7.5 |
6.5 |
5.4 |
4.4 |
3.3 |
2.2 |
1.1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,025)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 2-Year Monthly Cap Rate |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.90
|
| 1-Year Monthly Cap Rate |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.55
|
| 1-Year Fixed Crediting Rate |
1-Year
Fixed Rate (no bonus)
|
1.35%
|
| 1-Year Point-to-Point with Cap Rate |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
|
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity
High-Band
|
| Non-Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
| Qualified |
| Owner: | 78 |
| Annuitant: | 78 |
|
| 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:
FL HI NJ NY OR PA PR VI WA
|
0-74: 7.00
75-78: 5.00
|
| Withdrawal Notes: |
|
Prem Bonus:
5.00-7.00
|
|
For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years):
|
12 |
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
4 |
|
For states CT (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states AK, DE, MN, NV, SC, TX, UT (10 years):
|
9.8 |
9.5 |
8.5 |
7.5 |
6.5 |
5.4 |
4.4 |
3.3 |
2.2 |
1.1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,034)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed Crediting Rate |
1-Year
Fixed Rate (no bonus)
|
1.35%
|
| 1-Year Point-to-Point with Cap Rate |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
| 2-Year Monthly Cap Rate |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.90
|
| 1-Year Monthly Cap Rate |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.55
|
|
Lincoln Benefit Life
Saver's Index Annuity Premier
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- 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 MN NV NY PA PR UT WA
|
0-75: 3.45+
76-85: 2.40+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
|
For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years):
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
|
For states TX (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states FL (10 years):
|
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,138)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
1.50
|
| 1-Year S&P 500 Monthly Average w/Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
1.50
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.00%
|
| 1-Year S&P 500 Point-to-Point Low WaterMark |
S&P 500 |
Low Water
|
Annual |
None |
|
|
1.50
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.00
|
|
Lincoln Benefit Life
Savers Index III
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 3,000 |
| Monthly: | 3,000 |
|
| No- Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY OR PR
|
0-75: 3.45+
76-90: 2.40+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,210)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option II |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Option I |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
3.25
|
|
Lincoln Financial Group
Lincoln OptiPoint 10
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
Yes-Annualization |
|
Not
Available in:
AK MN NY OR UT
|
0-75: 7.00+
76-80: 4.75+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,149)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 2-Year Monthly Cap Indexed Account |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.25
|
| Performance Triggered Indexed Account |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.00%
|
| 2-Year Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
7.00
|
|
Lincoln Financial Group
Lincoln OptiPoint 10
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| 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 |
Yes-Annualization |
|
Not
Available in:
AK MN NY OR UT
|
0-75: 7.00+
76-80: 4.75+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,160)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.00%
|
| 2-Year Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
7.00
|
| 2-Year Monthly Cap Indexed Account |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.25
|
| Performance Triggered Indexed Account |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
North American Company
Charter 10
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| 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 |
No- Annualization |
|
Not
Available in:
AK AL CT DE MN NY OR PR TX UT VI WA
|
0-75: 7.50+
76-79: 5.63+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AR, AZ, 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, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
15 |
14 |
13 |
12 |
11 |
10 |
8 |
6 |
4 |
2 |
|
For states CA (10 years):
|
15 |
14 |
13 |
9 |
8 |
7 |
6 |
6 |
5 |
4 |
|
For states TX (10 years):
|
12 |
12 |
10 |
10 |
8 |
8 |
6 |
6 |
5 |
5 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Nasdaq-100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
2.10
|
| 1-Year Dow Jones Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
|
|
2.20
|
| 1-Year S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
2.10
|
| 1-Year Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
2.05
|
| 1-Year S&P 500 Annual Daily Average |
S&P 500 |
Point to Point
|
Annual |
Daily |
|
|
2.55
|
| 1-Year Dow Jones Annual Daily Average |
DJIA |
Point to Point
|
Annual |
Daily |
|
|
2.45
|
| 1-Year S&P 400 Annual Daily Average |
S&P 400 |
Point to Point
|
Annual |
Daily |
|
|
2.25
|
| 1-Year Dow Jones EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
2.55
|
| 1 -Year NASDAQ Monthly Point-to-Point Cap |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.30
|
| 1-Year S&P 500 Monthly Point-to-Point Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
|
1.40
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
1.30%
|
| 1- Year Hindsight Index |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
2.50
|
| 1-Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
2.30
|
| 1-Year Russell 2000 Annual Daily Average |
Russell 2000 |
Point to Point
|
Annual |
Daily |
|
|
2.15
|
|
North American Company
North American Paramount Choice Ten
|
| 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 |
No- Annualization |
|
Not
Available in:
AK AL CT DE MN NV NY OR PR TX UT WA
|
0-75: 6.50+
76-79: 4.88+
|
| Withdrawal Notes: |
|
Premium Bonus:
7.00
|
|
For states AR, AZ, 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, OK, PA, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states CA (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
2 |
|
For states IN (10 years):
|
8 |
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,182)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Monthly Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.20
|
| 1-Year Dow Jones Industrial Annual Point-to-Point |
DJIA |
Point to Point
|
Annual |
None |
|
|
2.00
|
| 1-Year Russell 2000 Annual Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
|
|
2.00
|
| 1-Year S&P 500 Monthly Averaging |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
2.15
|
| 1-Year S&P 400 Monthly Averaging |
S&P 400 |
Point to Point
|
Annual |
Monthly |
|
|
2.00
|
| 1-Year Fixed |
1-Year
Fixed Rate (no bonus)
|
1.10%
|
| 1-Year DJ EuroSTOXX 50 Annual Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
|
|
2.10
|
| 1-Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
2.00
|
| 1-Year Nasdaq100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.10
|
| 1-Year S&P 400 Annual Point-to-Point |
S&P 400 |
Point to Point
|
Annual |
None |
|
|
2.00
|
| 1-Year Dow Jones Industrial Monthly Averaging |
DJIA |
Point to Point
|
Annual |
Monthly |
|
|
2.05
|
| 1-Year Nasdaq 100 Annual Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
None |
|
|
2.00
|
| 1-Year Russell 2000 Monthly Averaging |
Russell 2000 |
Point to Point
|
Annual |
Monthly |
|
|
2.00
|
|
North American Company
North American Prizm Plus 10
|
| Non-Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
| Qualified |
| Owner: | 79 |
| Annuitant: | 79 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK AL CT DE MN NV NY OR PR TX UT VI WA
|
0-75: 7.50+
76-79: 5.63+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $1,015)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Dow Jones Monthly Average |
DJIA |
Point to Point
|
Annual |
Monthly |
30
|
|
|
| 1-Year Russell 2000 Point-to-Point |
Russell 2000 |
Point to Point
|
Annual |
None |
10
|
|
|
| 1-Year DJ EuroStoxx 50 Point-to-Point |
DJ EuroStoxx 50 |
Point to Point
|
Annual |
None |
15
|
|
|
| 1-Year NASDAQ-100 Monthly Point-to-Point |
Nasdaq 100 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.30
|
| 1-Year S&P 400 Monthly Average |
S&P 400 |
Point to Point
|
Annual |
Monthly |
20
|
|
|
| 1-Year S&P 500 Monthly Average |
S&P 500 |
Point to Point
|
Annual | |
