Company / Product
|
Issue Ages |
Minimum Premiums |
Withdrawal Provisions |
States |
Commissions
Age: Rate
|
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT MN NJ NY OK OR PR 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 2.00%
(GMR/1000 $1,198)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 2-Year Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
14.00
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.80%
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
Low-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NY OR UT WA
|
0-75: 8.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,319)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
High-Band
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NY OR UT WA
|
0-75: 8.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 12 years: |
|
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,332)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
|
|
Surrender Charges Last 10 Years
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MA MN ND NJ NY OR PR VI VT
|
0-75: 10.00
76-80: 8.00
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years):
|
12 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
3 |
|
For states CT, PA (10 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.75%
(GMR/1000 $1,103)
|
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 |
Monthly |
100
|
|
|
|
American General Life Insurance Company
AG Global Bonus Index 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 |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NJ NY OR PA PR UT VI VT WA
|
0-75: 7.00
76-80: 4.50
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,280)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| Annual Point-to-Point Account with Participation Rate |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
100.00
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.90
|
| Global Multiple Index Account with Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
5.75
|
|
American General Life Insurance Company
Vision Maximizer
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
| Qualified |
| Single: | 20,000 |
| Monthly: | 20,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK DE IL MN MS NJ NV NY OR PA PR UT VI VT WA
|
0-75: 8.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
17 |
16 |
15 |
14 |
13 |
10 |
9 |
8 |
7 |
6 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,152)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
4.00
|
|
| Annual Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
| Annual Point-to-Point Account with Adjustable Participation |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.65%
|
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MA MN NY OR PA PR UT VI VT
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.10%
(GMR/1000 $1,116)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Rate Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 1 Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.80
|
|
ING USA Annuity and Life
ING Secure Index Opportunities Plus
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NJ NY OR PR VI WA
|
0-80: 7.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
For states UT (10 years):
|
9.1 |
8.3 |
7.4 |
6.6 |
5.7 |
4.8 |
3.9 |
2.9 |
1.9 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.40%
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.25
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
|
ING USA Annuity and Life
ING Secure Index Opportunities Plus
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NJ NY OR PR VI WA
|
0-80: 7.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
For states UT (10 years):
|
9.1 |
8.3 |
7.4 |
6.6 |
5.7 |
4.8 |
3.9 |
2.9 |
1.9 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.40%
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.75
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
|
ING USA Annuity and Life
ING Secure Index Outlook Annuity
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AK CT DE MN NJ PA UT WA
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,099)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.25
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.40%
|
|
ING USA Annuity and Life
ING Secure Index Outlook Annuity
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
AK CT DE MN NJ PA UT WA
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,099)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.40%
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.75
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.60
|
|
Lincoln Benefit Life
Saver's Index Annuity Premier
Low-Band
|
| 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT MN NJ NY PA PR UT VI WA
|
0-75: 7.25
76-85: 5.08
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.50%
(GMR/1000 $1,195)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.25%
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.00
|
| 1-Year S&P 500 Point-to-Point Low WaterMark |
S&P 500 |
Low Water
|
Annual |
None |
|
|
4.80
|
| 1-Year S&P 500 Monthly Average w/Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
4.75
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.80
|
|
Lincoln Benefit Life
Saver's Index Annuity Premier
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT MN NJ NY PA PR UT VI WA
|
0-75: 7.25
76-85: 5.08
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.50%
(GMR/1000 $1,195)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
1.25%
|
| 1-Year S&P 500 Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.90
|
| 1-Year S&P 500 Monthly Average w/Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
|
5.75
|
| 1-Year S&P 500 Point-to-Point Low WaterMark |
S&P 500 |
Low Water
|
Annual |
None |
|
|
5.30
|
| 1-Year S&P 500 Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.50
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Benefit Life
Savers Index III
Low-Band
|
| 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 8.00
76-90: 5.50
|
| 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 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
5.50
|
| Account B |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
5.00
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Benefit Life
Savers Index III
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 8.00
76-90: 5.50
|
| 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 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
6.00
|
| Account B |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
0.00
|
5.50
|
|
Lincoln Benefit Life
Savers Index III (ROP)
Low-Band
|
| 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 8.00
76-90: 5.50
|
| 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 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
4.25
|
| Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
3.75
|
|
Lincoln Benefit Life
Savers Index III (ROP)
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
Yes-Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-75: 8.00
76-90: 5.50
|
| 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 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
4.75
|
| Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
4.25
|
|
|
Approved by Cambridge Investment Research
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK MN NY OR UT
|
0-75: 7.00+
76-80: 4.75+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.80%
(GMR/1000 $1,231)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
|
|
Approved by Cambridge Investment Research
|
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK 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 1.80%
(GMR/1000 $1,243)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
|
|
Surrender Charges Last 9 Years
|
|
Approved by Cambridge Investment Research
|
American General Life Insurance Company
AG HorizonIndex Annuity 9
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 70 |
| Annuitant: | 70 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK MN NJ NY OK OR PR UT VI VT WA
|
0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,119)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.65%
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
|
2.20
|
| 2-Year Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Biennial |
None |
100
|
|
14.00
|
|
|
Approved by Cambridge Investment Research
|
American General Life Insurance Company
VisionAdvantage 9
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK CT DE MN NJ NY OR PA PR UT VI VT WA
|
0-75: 6.00
76-80: 5.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,076)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Annual Point-to-Point Account with 100% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
8.00
|
| Annual Point-to-Point Account with 80% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
80
|
|
8.50
|
| Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
40
|
|
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
4.00
|
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
3.45%
|
|
|
Approved by Cambridge Investment Research
|
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI
|
0-80: 6.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,094)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
| 1-Year Point-to-Point Cap Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
6.25
|
|
|
Approved by Cambridge Investment Research
|
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI
|
0-80: 6.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,094)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
| 1-Year Point-to-Point Cap Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
7.25
|
|
|
Approved by Cambridge Investment Research
|
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI
|
0-80: 1.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,094)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| 1-Year Point-to-Point Cap Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
5.50
|
|
|
Approved by Cambridge Investment Research
|
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI
|
0-80: 1.50+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,094)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| 1-Year Point-to-Point Cap Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
6.50
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln OptiChoice 9
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY
|
0-75: 7.00+
76-80: 5.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.75%
(GMR/1000 $1,169)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.80%
|
| 1-Year Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
9.00
|
|
| 1-Year Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.45
|
| 1-Year Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.35
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln OptiChoice 9
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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY
|
0-75: 7.00+
76-80: 5.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 9 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.75%
(GMR/1000 $1,169)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.50
|
| 1-Year Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.90
|
| 1-Year Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
9.00
|
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.00%
|
|
|
Surrender Charges Last 8 Years
|
American General Life Insurance Company
AG Global 8 Index Annuity
|
| 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY PR VI VT
|
0-75: 6.00
76-80: 4.75
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,054)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
| Global Multiple Index Account with Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
6.25
|
| Annual Point-to-Point Account with Participation Rate |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
100.00
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.90
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln New Directions 8
Low-Band
|
| 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 |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MN NY OR
|
0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,172)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
5.75
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
14.10
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.20%
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln New Directions 8
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MN NY OR
|
0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 2.00%
(GMR/1000 $1,172)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
3.35%
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
6.00
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
14.85
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln OptiPoint 8
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MN NY OR UT
|
0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
2.00
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.60%
(GMR/1000 $1,158)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln OptiPoint 8
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MN NY OR UT
|
0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.60%
(GMR/1000 $1,169)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
4.60
|
| 2-Year Point to Point |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
10.90
|
| 2-Year Monthly Cap |
S&P 500 |
Point to Point
|
Biennial |
Monthly Sum |
|
|
2.90
|
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.55%
|
|
United States Life Insurance Co. (NY)
AIG Global 8 Index
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Only
Available in:
NY
|
0-75: 4.50
76-80: 3.25
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,054)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Fixed Account |
1-Year
Fixed Rate (no bonus)
|
2.70%
|
| 1-Year Monthly Additive Account Capped |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.20
|
| 1-Year Point-to-Point Account Participatin Rate |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
|
| 1-Year Global Multiple Index Account Capped |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
6.25
|
|
|
Surrender Charges Last 7 Years
|
American National Insurance Company
Value Lock 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 |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
IL MN ND NJ NY OR PR UT VI VT
|
0-75: 6.00
76-80: 4.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 03/01/10
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.75%
(GMR/1000 $1,016)
|
Next Change : TBD
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| S&P 500 7 Year Point-to-Point |
S&P 500 |
Point to Point
|
7-Year |
Monthly |
100
|
|
|
|
|
Approved by Cambridge Investment Research
|
American General Life Insurance Company
VisionAdvantage 7
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| Yes-Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
CT DE MN NJ NY OR PA PR UT VI VT WA
|
0-75: 6.00
76-85: 5.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 2.00%
(GMR/1000 $1,034)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.90%
|
| Annual Point-to-Point Account with 100% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
6.75
|
| Annual Point-to-Point Account with 80% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
80
|
|
7.25
|
| Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
35
|
|
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
4.00
|
|
|
American National Insurance Company
ANICO Strategy Indexed Annuity 7
|
| 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- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
MA MN NY OR PA PR UT VI VT
|
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.00%
(GMR/1000 $965)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Declared Rate Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.30%
|
| 1 Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.00
|
|
ING USA Annuity and Life
ING Secure Index Seven
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-80: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
|
For states CT (7 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Ages 0 to 55 in states WA (7 years):
|
12 |
11 |
10 |
10 |
9 |
8 |
7 |
|
Age 56+ in states WA (7 years):
|
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
|
Ages 0 to 55
(7 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
|
Age 56+ in states AK, DE, NJ, PA, UT (7 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,072)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.75
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.10
|
|
ING USA Annuity and Life
ING Secure Index Seven
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY OR PR VI
|
0-80: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
|
For states CT (7 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Ages 0 to 55 in states WA (7 years):
|
12 |
11 |
10 |
10 |
9 |
8 |
7 |
|
Age 56+ in states WA (7 years):
|
8 |
7 |
6.5 |
5.5 |
4.5 |
3.5 |
2.5 |
|
Ages 0 to 55
(7 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
|
Age 56+ in states AK, DE, NJ, PA, UT (7 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,072)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.55
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
6.75
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
2.60%
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Benefit Life
Savers Index I
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK NJ NY OR PR UT VI VT WA
|
0-75: 5.00
76-90: 3.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 75
(7 years):
|
8 |
8 |
8 |
8 |
8 |
8 |
8 |
|
Age 76+
(7 years):
|
8 |
7.2 |
6.4 |
5.6 |
4.8 |
4 |
3.2 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,107)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
5.00
|
| Option 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
5.50
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Benefit Life
Savers Index I
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK NJ NY OR PR UT VI VT WA
|
0-75: 5.00
76-90: 3.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 75
(7 years):
|
8 |
8 |
8 |
8 |
8 |
8 |
8 |
|
Age 76+
(7 years):
|
8 |
7.2 |
6.4 |
5.6 |
4.8 |
4 |
3.2 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,107)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
6.00
|
| Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
5.50
|
|
Lincoln Benefit Life
Savers Index I (ROP)
Low-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK NJ NY OR PR UT VI VT WA
|
0-75: 5.00
76-90: 3.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 75
(7 years):
|
8 |
8 |
8 |
8 |
8 |
8 |
8 |
|
Age 76+
(7 years):
|
8 |
7.2 |
6.4 |
5.6 |
4.8 |
4 |
3.2 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,107)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
4.25
|
| Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
3.75
|
|
Lincoln Benefit Life
Savers Index I (ROP)
High-Band
|
| Non-Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 90 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
Yes-Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
AK NJ NY OR PR UT VI VT WA
|
0-75: 5.00
76-90: 3.50
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
Ages 0 to 75
(7 years):
|
8 |
8 |
8 |
8 |
8 |
8 |
8 |
|
Age 76+
(7 years):
|
8 |
7.2 |
6.4 |
5.6 |
4.8 |
4 |
3.2 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,107)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Option 1 |
S&P 500 |
Point to Point
|
Annual |
None |
60
|
|
5.25
|
| Option 2 |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
4.25
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln OptiChoice 7
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 2,000 |
| Monthly: | 2,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY
|
0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.50%
(GMR/1000 $1,110)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed |
1-Year
Fixed Rate (no bonus)
|
2.65%
|
| 1-Year Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
5.15
|
| 1-Year Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
2.25
|
| 1-Year Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
9.00
|
|
|
|
Approved by Cambridge Investment Research
|
Lincoln Financial Group
Lincoln OptiChoice 7
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Flex. Annuity Option |
| No- Flex. Wthdrl Rider |
No- Long Term Care |
| No- Extended Care Rider |
No- Special Enhanced Life Income Options |
| No- Death Benefit Rider |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
| No- Activities of Daily Living |
No- Home Health Care Waiver |
| No- Guaranteed Purchase Option |
|
Not
Available in:
NY
|
0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
