Hersh Stern, Licensed Agent
28 Harrison Ave., D209
Englishtown, NJ 07726

Fixed Annuities
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State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
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Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Effective
Rate 		CUR GTD Additional
Information
Yield to Surrender
Surrender Charges Last 14 Years
North American Company
North American Flex III [MVA]
A+ 1 03/30/09 4.05 0.00 4.05 10.00 14.46 4.76 3.78 Learn More
Surrender Charges Last 10 Years
North American Company
North American Flex II [MVA]
A+ 1 03/30/09 4.00 0.00 4.00 5.00 9.20 4.51 3.60 Learn More
North American Company
Boomer Annuity [MVA]
A+ 1 03/30/09 3.65 0.00 3.65 5.00 8.83 4.16 3.57 Learn More
American General Life Insurance Company
AG HorizonMYG [MVA]
A 6 05/18/09 3.75 4.00 7.75     4.14 3.44 Learn More
Annuity Investors Life (Great American Life)
Commodore Distinction II [TSA, LOAN]
A 1 05/04/09 3.80 0.00 3.80     3.80 3.08 Learn More
Next Rate: 07/07/09 3.65 0.00 3.65   3.65 3.06
American National Insurance Company
Palladium Ultra 7
A 1 07/01/09 3.00 7.00 10.00     3.68 0.96 Learn More
Aviva Life & Annuity
Freedom Xtra (1-Year) High-Band
A 1 05/06/09 2.65 0.00 2.65 10.00 12.92 3.63 3.04 Learn More
American National Insurance Company
Palladium Ultra 5
A 1 07/01/09 3.00 5.00 8.00     3.49 0.77 Learn More
Great American Life Insurance Company
American Freedom 10-ST [LOAN]
A 1 06/01/09 3.25 2.00 5.25     3.45 3.22 Learn More
Aviva Life & Annuity
Freedom Xtra (3-Year) High-Band
A 3 05/06/09 2.45 0.00 2.45 10.00 12.70 3.43 3.11 Learn More
Annuity Investors Life (Great American Life)
Amer-Achieve [LOAN]
A 1 05/04/09 3.35 0.00 3.35     3.35 3.03 Learn More
Next Rate: 07/07/09 3.35 0.00 3.35   3.35 3.03
Aviva Life & Annuity
Freedom Xtra (5-Year Multi-term) High-Band
A 5 05/06/09 2.35 0.00 2.35 10.00 12.59 3.33 3.15 Learn More
Aviva Life & Annuity
Freedom Xtra (5-Year) High-Band
A 5 05/06/09 2.35 0.00 2.35 10.00 12.59 3.33 3.15 Learn More
American National Insurance Company
Palladium Plus 3
A 1 07/01/09 3.00 3.00 6.00     3.30 0.58 Learn More
Aviva Life & Annuity
Freedom Plus (1-Year) High-Band
A 1 05/06/09 2.75 0.00 2.75 5.00 7.89 3.25 2.57 Learn More
American National Insurance Company
Palladium Century 7 [MVA]
A 1 07/01/09 2.50 7.00 9.50     3.18 3.63 Learn More
Aviva Life & Annuity
Freedom Xtra (7-Year) High-Band
A 7 05/06/09 2.15 0.00 2.15 10.00 12.37 3.13 3.08 Learn More
American National Insurance Company
Palladium Plus 1
A 1 07/01/09 3.00 1.00 4.00     3.10 0.39 Learn More
Aviva Life & Annuity
Freedom Plus (3-Year) High-Band
A 3 05/06/09 2.55 0.00 2.55 5.00 7.68 3.05 2.66 Learn More
American National Insurance Company
Palladium Century 5 [MVA]
A 1 07/01/09 2.50 5.00 7.50     2.99 3.44 Learn More
Showing 1-20 of 138    Display: Page:   1 | 2 | 3 | 4 | 5 | 6

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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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