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- 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%
|
|
American General Life Insurance Company
AG HorizonIndex Annuity 12 (CA)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 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 |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| 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
|
|
|
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- 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
|
|
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA CT DE MN MO NJ NV NY OH OR PA PR SC TX UT VI VT WA
|
0-75: 5.25
76-80: 2.75
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.50%
(GMR/1000 $1,219)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Annual Point-to-Point Account with Participation Rate |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| Global Multiple Index Account with Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.40
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.60%
|
|
American General Life Insurance Company
AG Global Bonus Index Annuity (CA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 5.25
76-80: 2.75
|
| 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 |
| Global Multiple Index Account with Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.40
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Annual Point-to-Point Account with Participation Rate |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
|
American General Life Insurance Company
AG 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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK CA DE FL IL MN MO MS NJ NV NY OH OR PA PR SC TX 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 1.50%
(GMR/1000 $1,097)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
8.00
|
|
| Annual Point-to-Point Account with Adjustable Participation |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| Annual Point-to-Point Account with Cap |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.20%
|
|
American General Life Insurance Company
AG Vision Maximizer (CA)
|
| Non-Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
| Qualified |
| Owner: | 75 |
| Annuitant: | 75 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-UP: 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 |
| Annual Point-to-Point with Adjustable Participation |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| Annual Point-to-Point with Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
3.00
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
8.00
|
|
|
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%
|
|
Genworth Life and Annuity Insurance Co
SecureLiving Index 10 Plus
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA CT DE IL MA MN MO NJ NV NY OK OR PA PR TX VI WA
|
0-75: 7.00+
76-UP: 5.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1 Year Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.00%
|
| 1-Year S&P 500 Monthly Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
| 10-Year Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.25%
|
| 1-Year S&P 500 Annual Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
2.50
|
| 1-Year S&P 500 Performance Trigger Strategy |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
Genworth Life and Annuity Insurance Co
SecureLiving Index 10 Plus
Mid-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
| Qualified |
| Single: | 100,000 |
| Monthly: | 100,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA CT DE IL MA MN MO NJ NV NY OK OR PA PR TX VI WA
|
0-75: 7.00+
76-UP: 5.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year S&P 500 Annual Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
| 1-Year S&P 500 Performance Trigger Strategy |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1 Year Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.25%
|
| 1-Year S&P 500 Monthly Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.70
|
| 10-Year Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
Genworth Life and Annuity Insurance Co
SecureLiving Index 10 Plus
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | |
| Qualified |
| Owner: | 80 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
| Qualified |
| Single: | 250,000 |
| Monthly: | 250,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA CT DE IL MA MN MO NJ NV NY OK OR PA PR TX VI WA
|
0-75: 7.00+
76-UP: 5.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
| Withdrawal Charges 10 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 10-Year Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.60%
|
| 1-Year S&P 500 Annual Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.20
|
| 1-Year S&P 500 Performance Trigger Strategy |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1 Year Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.35%
|
| 1-Year S&P 500 Monthly Cap Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.80
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus
Low-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK CT DE MN NJ NY OR PR VI WA
|
0-80: 7.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
For states NV, TX, UT (10 years):
|
9.1 |
8.3 |
7.4 |
6.6 |
5.7 |
4.8 |
3.9 |
2.9 |
1.9 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.10
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| Interest Rate Benchmark Strategy |
3-Month LIBOR |
Point to Point
|
Annual |
None |
|
|
10.00
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
2.00
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus
High-Band
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
| Qualified |
| Single: | 75,000 |
| Monthly: | 75,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
AK CT DE MN NJ NY OR PR VI WA
|
0-80: 7.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
5.00
|
|
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):
|
10 |
10 |
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
|
For states NV, TX, UT (10 years):
|
9.1 |
8.3 |
7.4 |
6.6 |
5.7 |
4.8 |
3.9 |
2.9 |
1.9 |
1 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 2.00%
(GMR/1000 $1,120)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
| Interest Rate Benchmark Strategy |
3-Month LIBOR |
Point to Point
|
Annual |
None |
|
|
10.00
|
| Point-to-Point Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.50
|
|
|
Approved by ING Fin Partners - only in CE, DE, MN, PA, & WA
|
ING Annuity and Asset Sales
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- Long Term Care |
| Yes-Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
|
Only
Available in:
AK CT DE MN NJ WA
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
|
For states AK, CT, DE, NJ, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states MN (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
| 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 |
|
|
2.00
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.10
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
|
Approved by ING Fin Partners - only in CE, DE, MN, PA, & WA
|
ING Annuity and Asset Sales
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- Long Term Care |
| Yes-Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
Yes-Annualization |
|
Only
Available in:
AK CT DE MN NJ WA
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
Premium Bonus:
3.00
|
|
For states AK, CT, DE, NJ, WA (10 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states MN (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
|
| 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 |
|
|
3.50
|
| Monthly Cap Index Strategy |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
|
Approved by ING Fin Partners
|
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
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
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
|
|
|
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- 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
|
|
|
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- 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 |
|
|
|
|
|
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: | 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 MN NJ NY OR PR VI VT
|
0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-4.00
|
|
For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OK, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (9 years):
|
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
For states DE, NV, OH (9 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.50%
(GMR/1000 $1,070)
|
|
| 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 |
100
|
|
6.75
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
100
|
|
1.50
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.10%
|
|
American General Life Insurance Company
AG HorizonIndex Annuity 9 (CA)
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
| Qualified |
| Owner: | 85 |
| Annuitant: | 85 |
|
| Non-Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
| Qualified |
| Single: | 5,000 |
| Monthly: | 5,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 6.00
76-80: 3.50
81-85: 2.00
|
| Withdrawal Notes: |
|
Prem Bonus:
3.00-4.00
|
|
For states CA (9 years):
|
10 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
2 |
|
For states OH (9 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| 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)
|
2.00%
|
| 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
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
American General Life Insurance Company
AG Vision Advantage 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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA CT DE MN MO NJ NY OH OR PA PR UT VI VT WA
|
0-75: 6.00+
76-80: 5.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, TX, VA, WI, WV, WY (9 years):
|
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
For states NV (9 years):
|
8 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.50%
(GMR/1000 $1,029)
|
|
| 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
|
|
4.50
|
| Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.85%
|
| Annual Point-to-Point Account with 80% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
80
|
|
4.75
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
7.00
|
|
|
American General Life Insurance Company
AG Vision Advantage 9(CA)
|
| Non-Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
| Qualified |
| Owner: | 80 |
| Annuitant: | 80 |
|
| Non-Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
| Qualified |
| Single: | 15,000 |
| Monthly: | 15,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 6.00+
76-UP: 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
|
|
4.50
|
| Annual Point-to-Point Account with Adjustable Participation Rate and Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Annual Point-to-Point Account with 80% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
80
|
|
4.75
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
100
|
7.00
|
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
ING Annuity and Asset Sales
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: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| Yes-Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY PR VI
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
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, SC, SD, TN, VA, VT, WI, WV, WY (9 years):
|
9 |
9 |
9 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Ages 0 to 55 in states AK, DE, MN, NJ, NV, PA, TX, UT, WA (9 years):
|
9 |
9 |
9 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Age 56+ in states AK, DE, MN, NJ, NV, PA, TX, UT, WA (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states OR (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states CT (9 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $957)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Point-to-Point Cap Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
2.50
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
ING Annuity and Asset Sales
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- Long Term Care |
| Yes-Extended Care Waiver |
Yes-Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY PR VI
|
0-80: 6.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
|
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, SC, SD, TN, VA, VT, WI, WV, WY (9 years):
|
9 |
9 |
9 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Ages 0 to 55 in states AK, DE, MN, NJ, NV, PA, TX, UT, WA (9 years):
|
9 |
9 |
9 |
9 |
8 |
7 |
6 |
5 |
4 |
|
Age 56+ in states AK, DE, MN, NJ, NV, PA, TX, UT, WA (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states OR (9 years):
|
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
|
For states CT (9 years):
|
9 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
|
|
| Guaranteed Minimum Value: |
87.5% of Premium
at 1.00%
(GMR/1000 $957)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Point-to-Point Cap Index Strategy |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
4.00
|
| Fixed Rate Strategy |
1-Year
Fixed Rate (no bonus)
|
1.50%
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
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 1.00%
(GMR/1000 $1,094)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.15%
|
| 1-Year Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.50
|
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1-Year Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
9.00
|
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
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 1.00%
(GMR/1000 $1,094)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Performance Triggered |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| 1-Year Monthly Average |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
9.00
|
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.30%
|
| 1-Year Monthly Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.60
|
|
|
Surrender Charges Last 8 Years
|
|
Approved by ING Fin Partners
|
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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
CA NY PR VI VT
|
0-75: 4.75
76-80: 3.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
90% of Premium
at 1.50%
(GMR/1000 $1,014)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Global Multiple Index Account with Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.40
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.60%
|
| Annual Point-to-Point Account with Participation Rate |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
|
American General Life Insurance Company
AG Global 8 Index Annuity (CA)
|
| 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 |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 4.75
76-80: 3.00
|
| 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 |
| Global Multiple Index Account with Cap |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.00
|
| Monthly Additive Account with Cap |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.40
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Annual Point-to-Point Account with Participation Rate |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY
|
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 1.00%
(GMR/1000 $1,083)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Performance Triggered Indexed Account |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.70%
|
| 2-Year Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
7.00
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
NY
|
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 1.00%
(GMR/1000 $1,083)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.85%
|
| 2-Year Point-to-Point Indexed Account |
S&P 500 |
Point to Point
|
Biennial |
None |
|
|
7.45
|
| Performance Triggered Indexed Account |
S&P 500 |
Perf Trig
|
Annual |
None |
|
|
|
|
|
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
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 1.00%
(GMR/1000 $1,115)
|
|
| 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
|
|
|
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- Long Term Care |
| No- Extended Care Waiver |
Yes-Terminal Illness |
| Yes-Nursing Home |
Yes-Annualization |
|
Not
Available in:
MN NY OR UT
|
0-75: 6.00
76-80: 4.00
81-85: 2.00
|
| Withdrawal Notes: |
|
Premium Bonus:
4.00
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,126)
|
|
| 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 |
|
|
|
|
United States Life Insurance Co. (NY)
AIG Global 8 Index
|
| 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 |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Only
Available in:
NY
|
0-75: 3.50+
76-80: 1.75+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 8 years: |
|
|
| Guaranteed Minimum Value: |
100% of Premium
at 1.00%
(GMR/1000 $1,083)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| 1-Year Monthly Additive Account Capped |
S&P 500 |
Point to Point
|
Annual |
Monthly Sum |
|
|
1.00
|
| 1-Year Fixed Account |
1-Year
Fixed Rate (no bonus)
|
1.85%
|
| 1-Year Point-to-Point Account Participatin Rate |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
| 1-Year Global Multiple Index Account Capped |
Blended Indicies |
Point to Point
|
Annual |
None |
|
|
3.00
|
|
|
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- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
DE IL MA MD MN ND NJ NY OR UT VI VT
|
0-75: 6.00
76-80: 4.00
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
88.7% of Premium
at 1.00-1.75%
(GMR/1000 $1,002)
|
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 |
Continuous Monthly |
50
|
|
|
|
Principal Financial Group
Principal Performance Anuity 7
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
| Qualified |
| Single: | 10,000 |
| Monthly: | 10,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY PR VI
|
|
| Withdrawal Notes: |
|
Premium Bonus:
0.00
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,107)
|
Next Change : TBD
|
| 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 |
|
|
3.50
|
|
Principal Financial Group
Principal Performance Anuity 7
High-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
| Qualified |
| Single: | 50,000 |
| Monthly: | 50,000 |
|
| No- Disability |
No- Unemployment |
| No- Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
NY PR VI
|
|
| Withdrawal Notes: |
|
Premium Bonus:
0.00
|
| Withdrawal Charges 7 years: |
|
Rate Changed: 02/01/12
|
| Guaranteed Minimum Value: |
90% of Premium
at 3.00%
(GMR/1000 $1,107)
|
Next Change : 12/15/12
|
| 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 |
|
|
4.00
|
|
|
Approved by Cambridge Investment Research and ING Fin Partners
|
American General Life Insurance Company
AG Vision Advantage 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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Not
Available in:
CA CT DE MN MO NJ NY OH 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 1.50%
(GMR/1000 $999)
|
|
| Account Name |
Indicie |
Type |
Reset |
Averaging |
Part |
Spread |
Cap |
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
1.30%
|
| Annual Point-to-Point Account with 80% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
80
|
|
3.75
|
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
|
8.00
|
|
| Annual Point-to-Point Account with 100% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
3.50
|
| Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
|
|
American General Life Insurance Company
AG Vision Advantage 7 (CA)
|
| 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- Long Term Care |
| Yes-Extended Care Waiver |
No- Terminal Illness |
| No- Nursing Home |
No- Annualization |
|
Only
Available in:
CA
|
0-75: 6.00
76-UP: 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 |
| Monthly Average Account with Index Spread |
S&P 500 |
Point to Point
|
Annual |
Monthly |
100
|
8.00
|
|
| Annual Point-to-Point Account with 100% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
100
|
|
3.50
|
| Annual Point-to-Point Account with Adjustable Participation Rate and Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
30
|
|
100.00
|
| Fixed Interest Account |
1-Year
Fixed Rate (no bonus)
|
2.00%
|
| Annual Point-to-Point Account with 80% Participation Rate and an Index Cap |
S&P 500 |
Point to Point
|
Annual |
None |
80
|
|
3.75
|
|
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- 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: 5.00+
76-80: 4.00+
81-85: 3.00+
|
| 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)
|
1.00%
|
| 1 Year S&P 500 Annual Point-to-Point |
S&P 500 |
Point to Point
|
Annual |
None |
|
|
3.00
|
|
Genworth Life and Annuity Insurance Co
SecureLiving Index 7
Low-Band
|
| Non-Qualified |
| Owner: | 85 |
| Annuitant: | |
| Qualified |
| Owner: | 85 |
| Annuitant: | |
|
| Non-Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
| Qualified |
| Single: | 25,000 |
| Monthly: | 25,000 |
|
| No- Disability |
No- Unemployment |
| Yes-Hospitalization |
No- Long Term Care |
| No- Extended Care Waiver |
No- Terminal Illness |
| Yes-Nursing Home |
No- Annualization |
|
Not
Available in:
AK CA CT DE IL MA MN MO NJ NV NY OK OR PA PR TX VI WA
|
0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
|
| Withdrawal Notes: |
|
No Premium Bonus
|
| Withdrawal Charges 7 years: |
|
