Hersh Stern, Master General Agent,
licensed since 1986 to sell annuities
and life insurance in all 50 states.

Fixed Annuities
To learn more about these annuities
call toll free: (866) 866-1999
9 AM - 5 PM Eastern

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State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age

Showing 1-50 of 196    Display:   |<  <<   Page 1 of 4   >>   >|
Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Additional
Information
Yield to Surrender
Surrender Charges Last 15 Years
American Equity Investment Life Insurance Company
Premier Eagle 10 (FPDA-7-08)
A- 1 10/08/11 2.00 0.00 2.00 3.00
to 10.00 		12.20 2.20
to 2.65 		1.73
to 2.18 		Learn More
Surrender Charges Last 14 Years
Midland National Life
MNL Flex III [MVA]
A+ 1 01/19/12 2.00 0.00 2.00 10.00 12.20 2.70 1.76 Learn More
North American Company
North American Flex III [MVA, LOAN]
A+ 1 01/19/12 1.85 0.00 1.85 10.00 12.03 2.55 1.75 Learn More
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company
FPDA-10 (MVA) [MVA]
A- 1 10/08/11 2.25 0.00 2.25 2.00 4.30 2.42 2.42 Learn More
Surrender Charges Last 10 Years
American Equity Investment Life Insurance Company
Premier Eagle 12 (FRG-2-09)
A- 1 10/08/11 1.60 0.00 1.60 9.00 10.74 2.48 1.93 Learn More
Midland National Life
MNL Flex II [MVA]
A+ 1 01/19/12 1.90 0.00 1.90 5.00 6.99 2.40 1.58 Learn More
American General Life Insurance Company
AG HorizonMYG (CA)
A 6 02/06/12 2.00 4.00 6.00     2.39 2.39 Learn More
North American Company
North American Flex II [MVA, LOAN]
A+ 1 01/19/12 1.80 0.00 1.80 5.00 6.89 2.30 1.57 Learn More
American National Insurance Company
Palladium Century 7
A 1 02/01/12 1.55 7.00 8.55     2.23 1.73 Learn More
North American Company
Boomer Annuity [MVA, LOAN]
A+ 1 01/19/12 1.65 0.00 1.65 5.00 6.73 2.15 1.56 Learn More
American National Insurance Company
Palladium Century 5
A 1 02/01/12 1.55 5.00 6.55     2.04 1.54 Learn More
American National Insurance Company
Palladium Century 3
A 1 02/01/12 1.55 3.00 4.55     1.85 1.35 Learn More
Minnesota Life
SecureOption Extra - 3 Year
A+ 3 02/04/12 1.60 2.00 3.60     1.80 1.73 Learn More
American General Life Insurance Company
AG HorizonMYG [MVA]
A 6 02/06/12 1.35 4.00 5.35     1.74 1.60 Learn More
American National Insurance Company
Palladium Century 1
A 1 02/01/12 1.55 1.00 2.55     1.65 1.15 Learn More
Minnesota Life
SecureOption Flex
A+ 1 02/04/12 1.50 0.00 1.50     1.50 1.50 Learn More
Surrender Charges Last 9 Years
Jackson National Life
Super Max High-Band
A+ 1 04/04/11 2.70 0.00 2.70     2.70 1.19 Learn More
EquiTrust Life Insurance Company
ChoiceFour (MVA Option) [MVA]
B+ 1 10/24/11 2.50 0.00 2.50 1.50 4.04 2.67 2.22 Learn More
American General Life Insurance Company
AG HorizonPlus (CA) [MVA]
A 6 02/06/12 2.00 6.00 8.00     2.65 2.65 Learn More
EquiTrust Life Insurance Company
ChoiceFour (Base Contract)
B+ 1 10/24/11 2.50 0.00 2.50     2.50 2.06 Learn More
Jackson National Life
Bonus Max One High-Band [MVA]
A+ 1 04/04/11 2.05 3.75 5.80     2.46 1.52 Learn More
Jackson National Life
Super Max Low-Band
A+ 1 04/04/11 2.40 0.00 2.40     2.40 1.15 Learn More
Jackson National Life
Action One High-Band
A+ 1 04/04/11 1.75 4.00 5.75     2.19 1.52 Learn More
Jackson National Life
Bonus Max High-Band [MVA]
A+ 1 04/04/11 2.00 1.75 3.75     2.19 1.30 Learn More
Jackson National Life
Bonus Max One Low-Band [MVA]
A+ 1 04/04/11 1.75 3.75 5.50     2.16 1.49 Learn More
North American Company
North American Director
A+ 5 01/19/12 1.80 3.00 4.80     2.13 1.77 Learn More
American General Life Insurance Company
AG HorizonPlus [MVA]
A 6 02/06/12 1.25 6.00 7.25     1.90 1.82 Learn More
Jackson National Life
Bonus Max Low-Band [MVA]
A+ 1 04/04/11 1.70 1.75 3.45     1.89 1.27 Learn More
Jackson National Life
Action One Low-Band
A+ 1 04/04/11 1.45 4.00 5.45     1.89 1.49 Learn More
Jackson National Life
Action Two High-Band
A+ 1 04/04/11 1.85 0.25 2.10     1.88 1.21 Learn More
Jackson National Life
Bonus Max Two High-Band [MVA]
A+ 1 04/04/11 1.85 0.25 2.10     1.88 1.21 Learn More
Presidential Life
FPDA, No Load Flex
B++ 1 08/24/11 1.65 0.00 1.65     1.65 1.16 Learn More
Jackson National Life
Bonus Max Two Low-Band [MVA]
A+ 1 04/04/11 1.55 0.25 1.80     1.58 1.18 Learn More
Jackson National Life
Action Two Low-Band
A+ 1 04/04/11 1.55 0.25 1.80     1.58 1.18 Learn More
Surrender Charges Last 8 Years
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA High-Band
A+ 5 02/01/12 1.85 1.00 2.85     2.47 2.15 Learn More
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA Mid-Band
A+ 5 02/01/12 1.85 0.75 2.60     2.32 2.00 Learn More
American General Life Insurance Company
AG HorizonFlex (CA)
A 1 02/06/12 2.00 2.00 4.00     2.25 2.25 Learn More
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA Mid-Band
A+ 5 02/01/12 1.85 0.50 2.35     2.16 1.84 Learn More
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA Low-Band
A+ 5 02/01/12 1.85 0.25 2.10     2.01 1.69 Learn More
American General Life Insurance Company
AG HorizonFlex
A 1 02/06/12 1.60 2.00 3.60     1.85 1.76 Learn More
United States Life Insurance Co. (NY)
AG HorizonFlex
A 1 02/06/12 1.60 2.00 3.60     1.85 1.76 Learn More
Surrender Charges Last 7 Years
Integrity Life Insurance
New Momentum QIO
A+ 1 12/31/11 4.00 0.00 4.00     4.00 1.42 Learn More
Symetra Life Insurance Company
Symetra Custom 7 (3) Year High-Band
A 3 01/23/12 3.10 0.50 3.60     3.17 1.97 Learn More
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year High-Band
A 3 01/23/12 2.95 0.50 3.45     3.02 1.90 Learn More
Symetra Life Insurance Company
Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.85 0.50 3.35     2.92 1.86 Learn More
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.70 0.50 3.20     2.77 1.80 Learn More
National Integrity Life Insurance
SPDA Series II 1
A+ 1 12/31/11 2.70 0.00 2.70     2.70 1.24 Learn More
Integrity Life Insurance
SPDA Series II 1
A+ 1 12/31/11 2.70 0.00 2.70     2.70 1.24 Learn More
Symetra Life Insurance Company
Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.55 0.50 3.05     2.62 1.73 Learn More
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.40 0.50 2.90     2.47 1.67 Learn More
Showing 1-50 of 196    Display: Page:   1 | 2 | 3 | 4

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

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

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