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State

Premium Qual

Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Surrender Charges Last 0 Years
OM Financial Life Insurance Company Guaranty Income	A	89	89	10,000	10,000	0-89: 3.00 90-94: 2.75
American National Insurance Company Palladium	A+	90	90	15,000	3,500	0-84: 3.00 85-90: 1.50
OM Financial Life Insurance Company Senior Safeguard Option - Medicaid	A	95	95	5,000	5,000
North American Company NA Income	A+	85	85	10,000	2,000	0-85: 3.00
EquiTrust Life Insurance Company Confidence Income	A-	90	90	10,000	10,000	0-90: 3.00
Presidential Life Single Premium Immediate Income	B+	0	0	2,000	2,000
Presidential Life Single Premium Immediate Annuity	B+	0	0	2,000	2,000
Surrender Charges Last Years
Genworth Life Insurance Company SecureLivingSM Income Provider	A+	95	95	5,000	5,000	0-95: 3.00
Protective Life Corporation ProPayer Income Annuity NY	A+	85	85	10,000	10,000
West Coast Life SPIA	A+	99	99	10,000	10,000
Protective Life Corporation ProPayer Income Annuity	A+	99	99	10,000	10,000

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

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

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

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

For use by licensed insurance agents/brokers only - not authorized for use by the public.