| Company |
Product |
Crediting Method/Guarantees |
Min Premium |
Surrender Charges |
Free Withdrawal |
Commissions & Issue Ages |
American General
 |
HorizonIndex 12
 |
5% Premium Bonus
Fixed - 1.55% guar 9 yrs, yields 6.63% 1st yr
100% Participatio0
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 1.5% on 90% |
$5K Q
$5K NQ |
12%, 12, 12, 12, 12, 11, 10, 9, 8, 7, 5, 3 +/-MVA |
10% after 1st yr
|
8.00% age 0-75
4.00% age 76-80
2.50% age 81-85
|
About American General:  |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About HorizonIndex 12 from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after 1st yr |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Two death benefit options, paid on the death of the owner. Must be selected on the application. Standard benefit: Full annuity value if distributed as a stream of payments over the lifetime of the beneficiary or for a certain period of time no less than 5 |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
 Download the brochure |
|
American General
|
AG HorizonIndex 12 CA
|
5% Premium Bonus
Fixed - 2.00% guar 9 yrs, yields 7.10% 1st yr
100% Participatio0
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 2% on 90% |
$5K Q
$5K NQ |
12%, 12, 12, 12, 12, 11, 10, 9, 8, 7, 5, 3 +/-MVA |
10% after 1st yr
|
8.00% age 0-75
4.00% age 76-80
2.50% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG HorizonIndex 12 CA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after 1st yr |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Two death benefit options, paid on the death of the owner. Must be selected on the application. Standard benefit: Full annuity value if distributed as a stream of payments over the lifetime of the beneficiary or for a certain period of time no less than 5 |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Horizon Index 12 PA
|
5% Premium Bonus
Fixed - 1.55% guar 9 yrs, yields 6.63% 1st yr
100% Participation
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 1.5% on 90% |
$5K Q
$5K NQ |
12%, 11, 10, 9, 8, 7, 6, 5, 4, 2, 1 +/-MVA |
10% after yr 1
|
8.00% age 0-75
4.00% age 76-80
2.50% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Horizon Index 12 PA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Surrender free after 5th year |
| Death Benefit: | Equal to the annuity value, but not less than the withdrawal value. Beneficiary may elect to apply the death benefit amount under an income plan option or as a single sum |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG VisionMaximer CA
|
5% Premium Bonus
Fixed - 1.65%, yields 6.73%
Annual Point-to-Point Cap
Cap is 3.00%
Monthly Avg less Spread
Spread is 8.00%
Annual Point-to-Point No Cap
30% Participation
Guarantee - 2% on 90% |
$20K Q
$20K NQ |
17%, 16, 15, 14, 13, 10, 9, 8, 7, 6 +/-MVA |
10% immediately
|
8.00% age 0-75
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG VisionMaximer CA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $20K |
| Min Premium Q: | $20K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
VisionMaximizer
|
5% Premium Bonus
Fixed - 1.50%, yields 6.37%
Annual Point-to-Point Cap
Cap is 3.00%
Monthly Avg less Spread
Spread is 8.00%
Annual Point-to-Point No Cap
30% Participation
Guarantee - 1.5% on 90% |
$20K Q
$20K NQ |
17%, 16, 15, 14, 13, 10, 9, 8, 7, 6 +/-MVA |
10% immediately
|
8.00% age 0-75
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About VisionMaximizer from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $20K |
| Min Premium Q: | $20K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonIndex 9 CA
|
4% Premium Bonus
Fixed - 2.00% guar 6 yrs, yields 6.08% 1st yr
100% Participation
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 2% on 90% |
$5K Q
$5K NQ |
8%, 8, 7, 6, 5, 4, 3, 2, 1 |
10% Immediately
|
6.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG HorizonIndex 9 CA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Upon the death of the owner the beneficiary will receive the full annuity value. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
VisionAdvantage 7
|
Fixed - 1.60%
100% Participation Rate Annual Cap
3.50%
80% Participation Rate Annual Cap
3.75%
Adjustable Participation Rate
30%
Monthly Average less Spread
8.00%
Guarantee - 1.5% on 90% |
$15K Q
$15K NQ |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
10% Immediately
|
6.00% age 0-75
5.00% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About VisionAdvantage 7 from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
VisionAdvantage 9
|
Fixed - 2.15%
100% Participation Rate Annual Cap
4.50%
80% Participation Rate Annual Cap
4.75%
Adjustable Participation Rate
30%
Monthly Average less Spread
7.00%
Guarantee - 1.5% on 90% |
$15K Q
$15K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
10% Immediately
|
6.00% age 0-75
5.00% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About VisionAdvantage 9 from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG VisionAdvantage 9 CA
|
Fixed - 2.15%
100% Participation Rate Annual Cap
4.50%
80% Participation Rate Annual Cap
4.75%
Adjustable Participation Rate
30%
Monthly Average less Spread
7.00%
Guarantee - 2% on 90% |
$15K Q
$15K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
10% Immediately
|
6.00% age 0-75
5.00% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG VisionAdvantage 9 CA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Horizon Index 9 PA
|
4% Premium Bonus
Fixed - 1.40% guar 6 yrs, yields 5.46% 1st yr
100% Participation
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 1.5% on 90% |
$5K Q
$5K NQ |
8%, 8, 7, 6, 5, 4, 3, 2, 1 |
10% after yr 1
|
6.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Horizon Index 9 PA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Upon the death of the owner the beneficiary will receive the full annuity value. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Horizon Index 9 DE,MO,PA,SC, TX
|
4% Premium Bonus
Fixed - 1.40% guar 6 yrs, yields 5.46% 1st yr
100% Participation
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 1.5% on 90% |
$5K Q
$5K NQ |
8%, 8, 7, 6, 5, 4, 3, 2, 1 |
10% after yr 1
|
6.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Horizon Index 9 DE,MO,PA,SC, TX from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Upon the death of the owner the beneficiary will receive the full annuity value. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Vision Maximizer OK
|
5% Premium Bonus
Fixed - 1.50%, yields 6.37%
Annual Point-to-Point Cap
Cap is 3.75%
Monthly Avg less Spread
Spread is 8.00%
Annual Point-to-Point No Cap
30% Participation
Guarantee - 2% on 90% |
$20K Q
$20K NQ |
17%, 16, 15, 14, 13, 10, 9, 8, 7, 6 +/-MVA |
10% immediately
|
6.00% age 0-75
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Vision Maximizer OK from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $20K |
| Min Premium Q: | $20K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonIndex 9
|
4% Premium Bonus
Fixed - 1.40% guar 6 yrs, yields 5.46% 1st yr
100% Participation
One Year Monthly Cap - 1.50%
2 Year Point-to-Point - 6.75% Cap
Guarantee - 1.5% on 90% |
$5K Q
$5K NQ |
8%, 8, 7, 6, 5, 4, 3, 2, 1, 0 |
10% Immediately
|
6.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About HorizonIndex 9 from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Upon the death of the owner the beneficiary will receive the full annuity value. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG VisionAdvantage 7 CA
|
Fixed - 2.00%
100% Participation Rate Annual Cap
3.50%
80% Participation Rate Annual Cap
3.75%
Adjustable Participation Rate
30%
Monthly Average less Spread
8.00%
Guarantee - 2% on 90% |
$15K Q
$15K NQ |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
10% Immediately
|
6.00% age 0-75
5.00% age 76-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG VisionAdvantage 7 CA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Vision Advantage 9 IL,SC,TX
|
Fixed - 2.15%
100% Participation Rate Annual Cap
4.50%
80% Participation Rate Annual Cap
4.75%
Adjustable Participation Rate
30%
Monthly Average less Spread
7.00%
Guarantee - 1.5% on 90% |
$15K Q
$15K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
10% Immediately
|
6.00% age 0-75
4.70% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Vision Advantage 9 IL,SC,TX from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | The annuity value (without MVA or withdrawal charge) will be applied to compute income payments if the income plan selected begins after the fifth policy year and is either life contingent or for a certain period of at least five years. Withdrawal value i |
| Death Benefit: | Upon the death of the owner, the full annuity value will be paid as a lump sum. |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Global Bonus
|
5% Premium Bonus
Fixed - 1.70% Yields 6.79%
Global Point-to-Point Cap 3.00%
3 index Hindsightt Crediting
Ann. Point to Point Part.
30%
Monthly Cap
1.20%
Guarantee - 1.5% on 100% |
$15K Q
$15K NQ |
10%, 10, 10, 10, 10, 9,8,7,6,4 +/-MVA |
10% immediately
|
5.25% age 0-75
2.75% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Global Bonus from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | |
| Death Benefit: | The beneficiary will receive the annity value withdrawal charges and MVA are not applied. |
| Surrender Window: | |
| Confinement: | Waives withdrawal charges when care begins at least one year after the date of issue and care is provided for at least 90 consecutive days. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG Global Bonus CA,MO,SC
|
5% Premium Bonus
Fixed - 2.00% Yields 7.10%
Global Point-to-Point Cap 3.00%
3 index Hindsightt Crediting
Ann. Point to Point Part.
30%
Monthly Cap
1.40%
Guarantee - 2% on 100% |
$15K Q
$15K NQ |
10%, 10, 10, 10, 10, 9,8,7,6,4 +/-MVA |
10% immediately
|
5.25% age 0-75
2.75% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG Global Bonus CA,MO,SC from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | |
| Death Benefit: | The beneficiary will receive the annity value withdrawal charges and MVA are not applied. |
| Surrender Window: | |
| Confinement: | Waives withdrawal charges when care begins at least one year after the date of issue and care is provided for at least 90 consecutive days. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Global Index 8
|
Fixed - 1.85%
Global Point-to-Point Cap 3.00%
3 index Hindsightt Crediting
Ann. Point to Point Part.
30%
Monthly Cap
1.40%
Guarantee - 1.5% on 90% |
$2K Q
$5K NQ |
8%, 7, 6, 5, 4, 3, 2, 1 |
10% immediately
|
4.75% age 0-75
3.00% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Global Index 8 from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | |
| Death Benefit: | The beneficiary will receive the annity value withdrawal charges and MVA are not applied. |
| Surrender Window: | |
| Confinement: | Waives withdrawal charges when care begins at least one year after the date of issue and care is provided for at least 90 consecutive days. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG Global Index 8 CA
|
Fixed - 2.00%
Global Point-to-Point Cap 3.00%
3 index Hindsightt Crediting
Ann. Point to Point Part.
30%
Monthly Cap
1.40
Guarantee - 2% on 90% |
$15K Q
$15K NQ |
8%, 7, 6, 5, 4, 3, 2, 1 |
10% immediately
|
4.75% age 0-75
3.00% age 76-80
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A |
| Comdex: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG Global Index 8 CA from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | |
| Death Benefit: | The beneficiary will receive the annity value withdrawal charges and MVA are not applied. |
| Surrender Window: | |
| Confinement: | Waives withdrawal charges when care begins at least one year after the date of issue and care is provided for at least 90 consecutive days. |
| Return of Premium: | N0 |
| Download the brochure |
|
American National
|
ANICO Value Lock 10
|
10 Year Point-to-Point with Monthly Ave
75% Participation Rate
Lock-In Any Time
No Caps or Fees
Guar 1.00% on 90% |
$5K Q
$5K NQ |
12%, 12, 11, 10, 9, 8, 7, 6, 5, 3 +/-MVA |
10% after yr 1
|
10.00% age 0-75
8.00% age 76-80
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About ANICO Value Lock 10 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Full annuity value available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Strategy 10
|
S&P 500 - Annual Reset
100% participation w/ 3.00% Cap or
Fixed account - 1.00%
Lifetime Income Rider - 40 basis points
Guarantee - 1.00% on 90% |
$4K Q
$5K NQ |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 1 |
10 % after yr 1
|
8.00% age 0-75
6.50% age 76-80
5.00% age 81-85
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About Strategy 10 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $4K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10 % after yr 1 |
| Annuitization: | The surrender value may be applied to a settlement option at any time. If the contract has been in force for 5 years, the annuity value may be applied to a settlement option of at least 10 years. |
| Death Benefit: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
ANICO Value Lock 7
|
7 Year Point-to-Point with Monthly Ave
50% Participation Rate
Lock-In After Yr 2
No Caps or Fees
Guar 1.00% on 88.75% |
$5K Q
$5K NQ |
8%, 8, 7, 6, 5, 4, 2 +/-MVA |
10% after yr 1
|
6.00% age 0-75
4.00% age 76-80
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About ANICO Value Lock 7 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Full annuity value available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Strategy 7
|
S&P 500 - Annual Reset
100% participation w/ 3.00% Cap or
Fixed account - 1.00%
Lifetime Income Rider - 40 basis points
Guarantee - 1.00% on 90% |
$4K Q
$5K NQ |
7%, 7, 6, 5, 4, 3, 2 |
10% after yr 1
|
5.00% age 0-75
4.00% age 76-80
3.00% age 81-85
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About Strategy 7 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $4K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | The surrender value may be applied to a settlement option at any time. If the contract has been in force for 5 years, the annuity value may be applied to a settlement option of at least 10 years. |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | YES |
| Download the brochure |
|
American National
|
ANICO Equity Indexed
|
Performance Triggered Account
Annual Reset
S&P 500 flat or up - 3.00%
If down, 0% |
$10K Q
$10K NQ |
8%, 8, 7, 6, 4, 2 |
10% after 1st year
|
5.00% age 0-79
3.00% age 80-85
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About ANICO Equity Indexed from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after 1st year |
| Annuitization: | Full annuity value available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | available rider |
| Download the brochure |
|
Aviva Life & Annuity
|
Income Preferred Ten
|
Fixed -
<75k - 1.00%
>75k - 1.40%
Annual p to p Cap
<75k - 2.00%
>75K - 3.25%
Monthly Cap
<75k - 1.05%
>75k - 1.60%
Annual Average Cap
<75k - 2.00%
>75k - 3.25%
Min Guar 1% on 87.5% |
$5K Q
$5K NQ |
9.6%, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 +/-MVA |
5% yr 1
10% yrs 2+
|
7.50% age 0-75
5.50% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Income Preferred Ten from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% yr 1
10% yrs 2+ |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value or Cash Surrender Value |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Income Preferred Ultra
|
3% Premium Bonus
Fixed
<75K - 1.00% effective yield 4.03%
>75k - 1.45% effective yield 4.49%
Min Guar 1% on 87.5% |
$5K Q
$5K NQ |
16%, 15, 14, 13, 12, 11, 10, 8. 6. 4. 0 +/-MVA |
5% yr 1
10% yrs 2+
|
7.50% age 0-75
5.50% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Income Preferred Ultra from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% yr 1
10% yrs 2+ |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value or Cash Surrender Value |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Income Preferred Bonus
|
6% Premium Bonus
Fixed -
<75k - 1.00% effective yield 7.06%
>75k - 1.55% effective yield 7.64%
Annual p to p Cap
<75k - 2.00%
>75K - 3.25%
Monthly Cap
<75k - 1.05%
>75k - 1.60%
Annual Average Cap
<75k - 2.00%
>75k - 3.25%
Min Guar 1% on 87 |
$5K Q
$5K NQ |
12%, 12, 12, 11, 10, 9, 8, 7, 6, 4, 0 +/-MVA |
5% yr 1
10% yrs 2+
|
7.00% age 0-75
5.00% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Income Preferred Bonus from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% yr 1
10% yrs 2+ |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value or Cash Surrender Value |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Lifetime Solutions
|
<75K - 6% Premium Bonus
>75K - 7% Premiuim Bonus
Fixed -
<75k - 1.35% effective yield 7.43%
>75k - 1.35% effective yield 8.45%
Annual p to p Cap
3.00%
Monthly Cap
1.55%
2 Year Monthly Cap
1.90%
Min Guar 1% on 87.5% |
$25K Q
$25K NQ |
12%. 12, 12, 11, 10, 9, 8, 7, 6, 4, 0 +/-MVA |
5% in yr 1
10% after yr 1
|
7.00% age 0-75
5.00% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Lifetime Solutions from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% in yr 1
10% after yr 1 |
| Annuitization: | |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | 100% of accumlated value available after first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Income Preferred Bonus Pro FLA only
|
6% Premium Bonus
Fixed -
<75k - 1.00% effective yield 7.06%
>75k - 1.55% effective yield 7.64%
Annual p to p Cap
<75k - 2.00%
>75K - 3.25%
Monthly Cap
<75k - 1.05%
>75k - 1.60%
Annual Average Cap
<75k - 2.00%
>75k - 3.25%
Min Guar 1% on 87 |
$5K Q
$5K NQ |
10%, 10, 10, 10, 10, 9, 8, 7, 6, 4 +/-MVA |
5% yr 1
10% yrs 2+
|
6.50% age 65-75
4.50% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Income Preferred Bonus Pro FLA only from Aviva Life & Annuity: |
| Min Issue Age: | 65 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% yr 1
10% yrs 2+ |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value or Cash Surrender Value |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Income Preferred Bonus S
|
3% Premium Bonus
Fixed -
<75k - 1.00% effective yield 4.03%
>75k - 1.00% effective yield 4.03%
Annual p to p Cap
<75k - 2.00%
>75K - 2.00%
Monthly Cap
<75k - 1.15%
>75k - 1.60%
Annual Average Cap
<75k - 2.00%
>75k - 3.25%
Min Guar 1% on 87 |
$5K Q
$5K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 +/-MVA |
5% yr 1
10% yrs 2+
|
6.00% age 0-75
4.00% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Income Preferred Bonus S from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% yr 1
10% yrs 2+ |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value or Cash Surrender Value |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Income Preferred Six
|
Fixed -
<75k - 1.00%
>75k - 1.30%
Annual p to p Cap
<75k - 2.00%
>75K - 2.75%
Monthly Cap
<75k - 1.05%
>75k - 1.60%
Annual Average Cap
<75k - 2.00%
>75k - 3.25%
Min Guar 1% on 87.5% |
$5K Q
$5K NQ |
9%, 8, 7. 6. 5. 4.7, 3.5, 0 +/-MVA |
5% yr 1
10% yrs 2+
|
5.00% age 0-75
3.50% age 76-80
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Income Preferred Six from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% yr 1
10% yrs 2+ |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value or Cash Surrender Value |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Index 10 Plus Highband
|
5% Premium Bonus
1 yr Fixed - after yr 1
100k<250k 1.50%
10 yr Fixed - at issue only
100k<250k 1.25%
Ann. Pt-to-Pt Cap
100k<250K - 3.00%
Monthly Cap
100k<250k - 1.70%
Performance trigger
100k<250k - 2.50%
Guar.- return of principle |
$100K Q
$100K NQ |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% after first contract year
|
7.00% age 0-75
5.00% age 76-80
|
About Genworth: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 13265862 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Index 10 Plus Highband from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after first contract year |
| Annuitization: | after year one without surrender |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | after first contract year with 30 consecutive days or more in facility the free withdrawal percentage doubles. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Index 10 Plus
|
5% Premium Bonus
1 yr Fixed - after yr 1
<100k 1.00%
10 yr Fixed - at issue only
<100k 1.25%
Ann. Pt-to-Pt Cap
<100K - 2.50%
Monthly Cap
<100k - 1.50%
Performance trigger
<100k - 2.00%
Guar.- return of principle |
$25K Q
$25K NQ |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% after first contract year
|
7.00% age 0-75
5.00% age 76-80
|
About Genworth: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 13265862 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Index 10 Plus from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after first contract year |
| Annuitization: | after year one without surrender |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | after first contract year with 30 consecutive days or more in facility the free withdrawal percentage doubles. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Index 10 Plus Ultra Higband
|
5% Premium Bonus
1 yr Fixed - after yr 1
>250k 1.35%
10 yr Fixed - at issue only
>250k 1.60%
Ann. Pt-to-Pt Cap
>250K - 3.20%
Monthly Cap
>250k - 1.80%
Performance trigger
>250k - 2.70%
Guar.- return of principle |
$250K Q
$250K NQ |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% after first contract year
|
7.00% age 0-75
5.00% age 76-80
|
About Genworth: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 13265862 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Index 10 Plus Ultra Higband from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $250K |
| Min Premium Q: | $250K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after first contract year |
| Annuitization: | after year one without surrender |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | after first contract year with 30 consecutive days or more in facility the free withdrawal percentage doubles. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Index 7
|
1 yr Fixed - after yr 1
<100k 1.50%
7 yr Fixed - at issue only
<100k 1.75%
Ann. Pt-to-Pt Cap
<100K - 3.50%
Monthly Cap
<100k - 1.65%
Performance trigger
<100k - 3.00%
Guar.- 107% of premium |
$25K Q
$25K NQ |
9%, 9, 8, 7, 6, 5, 4 +/-MVA |
10% after first contract year
|
5.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 13265862 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Index 7 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after first contract year |
| Annuitization: | after year one without surrender |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | after first contract year with 30 consecutive days or more in facility the free withdrawal percentage doubles. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Index 7 High band
|
1 yr Fixed - after yr 1
100k<250k 1.75%
7 yr Fixed - at issue only
100k<250k 2.00%
Ann. Pt-to-Pt Cap
100k<250K - 4.00%
Monthly Cap
100k<250k - 1.85%
Performance trigger
100k<250k - 3.50%
Guar.- 107% of premium |
$100K Q
$100K NQ |
9%, 9, 8, 7, 6, 5, 4 +/-MVA |
10% after first contract year
|
5.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 13265862 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Index 7 High band from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after first contract year |
| Annuitization: | after year one without surrender |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | after first contract year with 30 consecutive days or more in facility the free withdrawal percentage doubles. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Index 7 Ultrahigh band
|
1 yr Fixed - after yr 1
>250k 1.85%
7 yr Fixed - at issue only
>250k 2.10%
Ann. Pt-to-Pt Cap
>250K - 4.20%
Monthly Cap
>250k - 1.95%
Performance trigger
>250k - 3.70%
Guar.- 107% of premium |
$250K Q
$250K NQ |
9%, 9, 8, 7, 6, 5, 4 +/-MVA |
10% after first contract year
|
5.00% age 0-75
3.50% age 76-80
2.00% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 13265862 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Index 7 Ultrahigh band from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $250K |
| Min Premium Q: | $250K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after first contract year |
| Annuitization: | after year one without surrender |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | after first contract year with 30 consecutive days or more in facility the free withdrawal percentage doubles. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index Opportunities Plus
|
5% Prem. Bonus
Fixed - 1.50%- yields 6.58%
Bench Mark Multiplier
<75K 2.25
>75K 4.00
Ann. Pt-to-Pt Cap
<75K 2.00%
>75K 3.50%
Monthly Cap
<75k 1.10%
>75k 1.50%
Guar. 2% on 87.5% |
$15K Q
$15K NQ |
10%, 10, 10, 10, 9, 8, 7, 6, 5, 4 |
10% after yr1
|
7.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index Opportunities Plus from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr1 |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Accumulation Value upon death of owner or Vested Death Benefit upon death of annuitant. |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Opp Plus Tx
|
5% Prem. Bonus
Fixed - 1.50%- yields 6.58%
Ann. Pt-to-Pt Cap
<75K 2.00%
>75K 3.50%
Monthly Cap
<75k 1.10%
>75k 1.50%
Guar. 2% on 87.5% |
$15K Q
$15K NQ |
9.1%, 8.3, 7.4, 6.6, 5.7, 4.8, 3.9, 2.9, 1.9, 1 +/-MVA |
10% after yr 1
|
7.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Opp Plus Tx from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Accumulation Value upon death of owner or Vested Death Benefit upon death of annuitant. |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index Opportunities Plus
|
5% Prem. Bonus
Fixed - 1.50%- yields 6.58%
Ann. Pt-to-Pt Cap
<75K 2.00%
>75K 3.50%
Monthly Cap
<75k 1.10%
>75k 1.50%
Guar. 2% on 87.5% |
$15K Q
$15K NQ |
10%, 10, 10, 10, 9, 8, 7, 6, 5, 4 +/-MVA |
10% after yr 1
|
7.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index Opportunities Plus from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Accumulation Value upon death of owner or Vested Death Benefit upon death of annuitant. |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Envoy 9 Tx
|
Fixed 1.50%
Ann Pt-to-Pt Cap
<75K 2.50%
>75K 4.00%
Guar. 1% on 87.5% |
$15K Q
$15K NQ |
*0 - 55* 9%, 9, 9, 9, 8, 7, 6, 5, 4 *56 - 80* 9%, 8, 7, 6, 5, 4, 3, 2, |
10 immediately
|
6.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Envoy 9 Tx from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10 immediately |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Envoy 9
|
Fixed 1.50%
Ann Pt-to-Pt Cap
<75K 2.50%
>75K 4.00%
Guar. 1% on 87.5% |
$15K Q
$15K NQ |
9%, 9, 9, 9, 8, 7, 6, 5, 4 +/-MVA |
10 immediately
|
6.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Envoy 9 from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10 immediately |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | |
| Download the brochure |
|
ING USG Annuity
|
Secure Index Outlook
|
3% Prem. Bonus
Fixed - 1.50%- yields 4.55%
Ann. Pt-to-Pt Cap
<75K 2.00%
>75K 3.50%
Monthly Cap
<75k 1.10%
>75k 1.50%
Guar. 2% on 87.5% |
$15K Q
$15K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 |
10% each contract year
|
6.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About Secure Index Outlook from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% each contract year |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index Seven
|
Fixed - 1.50%
Bench Mark Multiplier
<75K 4.00
>75K 5.50
Ann. Pt-to-Pt Cap
<75K - Cap 3.25%
>75k - Cap 4.25%
Monthly Cap
<75k 1.50%
>75k 1.90%
Guar.- 1.00% on 87.5% |
$15K Q
$15K NQ |
10%, 10, 10, 10, 9, 8, 7 +/-MVA |
10% after yr1
|
5.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index Seven from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr1 |
| Annuitization: | available after yr 1 distribution over life time or 10 yrs, cash surrender value will be applied to the payout option selected |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index 7 Tx
|
Fixed - 1.50%
Ann. Pt-to-Pt Cap
<75K 3.25%
>75K 4.25%
Monthly Cap
<75k 1.50%
>75k 1.90%
Guar. 1% on 87.5% |
$15K Q
$15K NQ |
*0 - 55* 10%, 10, 10, 10, 9, 8, 7 *56 - 80* 9%, 8, 7, 6, 5, 4, 3 +/-MVA |
10% after yr1
|
5.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index 7 Tx from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr1 |
| Annuitization: | available after yr 1 distribution over life time or 10 yrs, cash surrender value will be applied to the payout option selected |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index Seven
|
Fixed - 1.50%
Ann. Pt-to-Pt Cap
<75K - Cap 3.25%
>75k - Cap 4.25%
Monthly Cap
<75k 1.50%
>75k 1.90%
Guar.- 1.00% on 87.5% |
$15K Q
$15K NQ |
10%, 10, 10, 10, 9, 8, 7 |
10% after yr1
|
5.00% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index Seven from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr1 |
| Annuitization: | available after yr 1 distribution over life time or 10 yrs, cash surrender value will be applied to the payout option selected |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index Five
|
Fixed - 1.50%
Bench Mark Multiplier
<75k 2.00
>75k 3.50
Ann. Pt-to-Pt Cap
<75k - Cap 2.00%
>75k - Cap 3.00%
Monthly Cap
<75k 1.00%
>75k 1.40%
Guar.- 1.00% on 87.5% |
$15K Q
$15K NQ |
8%, 7.5, 6.5, 5.5, 4.5 +/-MVA |
10% after yr 1
|
3.50% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index Five from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | YES |
| Download the brochure |
|
ING USG Annuity
|
ING Secure Index Five
|
Fixed - 1.50%
Ann. Pt-to-Pt Cap
<75k - Cap 2.00%
>75k - Cap 3.00%
Monthly Cap
<75k - 1.00%
>75k - 1.40%
Guar.- 1.00% on 87.5% |
$15K Q
$15K NQ |
8%, 7.5, 6.5, 5.5, 4.5 |
10% after yr 1
|
3.50% age 0-80
|
About ING USG Annuity: |
| AM Best: | A |
| Weiss: | C |
| S&P: | A |
| Comdex: | 79 |
| Fitch: | A2 |
| Assets: | 23030813 |
| Comments: | ING is a leader in the fixed index marketplace wit |
About ING Secure Index Five from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the surrender period to annuitize without charges |
| Death Benefit: | Upon the death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary |
| Surrender Window: | |
| Confinement: | After the first contract year if hospitalized or confined to a nursing home for at least 45 days during any continuous 60 day period. |
| Return of Premium: | YES |
| Download the brochure |
|
Lincoln Benefit Life
|
Savers Index III
|
S&P 500 - Annual Reset
100% participation w/ 3.00% Cap
60% Participation w/ 3.25% Cap
Guarantee - 3% on 90% |
$3K Q
$10K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 |
10% after year 1
|
3.45% age 0-75
1.95% age 76-85
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 269440 |
| Comments: | LBL has a long history of providing qualify annuit |
About Savers Index III from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $3K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | |
| Death Benefit: | At the owners death, equal to the greater of the accumulated value less premium taxes or the contract value (less withdrawals). |
| Surrender Window: | |
| Confinement: | 30 days after issue, If you should be confined to a long term care facility or hospital for at least 90 days or diagnosed with a terminal illness. After one year, If unemployed for 30 days or unable to preform 2 or 6 ADL's for 90 days, funds can be withd |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Benefit Life
|
Savers Index Premier
|
3% Prem. Bonus
Fixed 1.00% yields 4.29%
Ann. Pt-to-Pt Cap
1.50% with E.L.I.R 2.50%
Low Water Mark
Cap lowers by.25%
Mon. Avg Cap
1.50% with E.L.I.R 2.50%
Monthly Cap
1.00% with E.L.I.R 1.20%
E. L. I. R. 40 Bps
Guar. 1.00% on 1 |
$10K Q
$10K NQ |
12%, 11, 10, 9, 8, 7, 6, 5, 4, 3 |
10% after yr 1
|
3.45% age 0-75
2.40% age 76-85
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 269440 |
| Comments: | LBL has a long history of providing qualify annuit |
About Savers Index Premier from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | |
| Death Benefit: | No surrender charges apply at death. The death benefit (prior to the payout start date) is equal to the contract value as of the last anniversary date. |
| Surrender Window: | |
| Confinement: | 30 days after issue, If you should be confined to a long term care facility or hospital for at least 90 days or diagnosed with a terminal illness. After one year, If unemployed for 30 days or unable to preform 2 or 6 ADL's for 90 days, funds can be withd |
| Return of Premium: | |
| Download the brochure |
|
Lincoln Financial
|
Lincoln OptiChoice 9
|
Fixed
<100K 1.15% 1 yr
>100K 1.30% 1 yr
Performance Triggered Account
<100K 2.50%
>100K 2.50%
1 Year Monthly Cap
<100K 1.50% Cap
>100K 1.60% Cap
1 Year Monthly Ave
<100K 9.00% Spread
>100K 9.00% Spread
Guar. 1.00% on 100% |
$2K Q
$5K NQ |
9%, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% immediately
|
7.00% age 0-75
5.25% age 76-80
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln OptiChoice 9 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After the 5th contact year without surrneder charges |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
Lincoln OptiPoint 10
|
<100K 4% Prem Bonus
>100K 5% Prem Bonus
Fixed <100K 1.00% 1 yr-yields 5.04%
>100K 1.00% 1 yr-yields 6.05%
Performance Triggered Account
2.50% S&P Flat / Up
2 Year Point-to-Point
7.00% Cap
2 Year Monthly Cap
2.25% Cap
Guar. 1% on 100% |
$2K Q
$5K NQ |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% immediately
|
7.00% age 0-75
4.75% age 76-80
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln OptiPoint 10 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After the 5th contact year without surrneder charges |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
Lincoln OptiPoint 8
|
<100K 3% Prem Bonus
>100K 4% Prem Bonus
Fixed <100K 1.00% 1 yr- yields 4.03%
>100K 1.00% 1 yr- yields 5.04%
Performance Triggered Account
2.50% S&P Flat / Up
2 Year Pt-to-Pt
7.00% Cap
2 Year Monthly Cap
2.25% Cap
Guar. 1.00% on 100% |
$2K Q
$5K NQ |
9%, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
10% immediately
|
6.00% age 0-75
4.00% age 76-80
2.00% age 81-85
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln OptiPoint 8 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After the 5th contact year without surrneder charges |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
Lincoln OptiChoice 7
|
Fixed <100K 1.05% 1 yr
>100K 1.20% 1 yr
Performance Triggered Account
<100K 2.50%
>100K 2.50%
1 Year Monthly Cap
<100K 1.45% Cap
>100K 1.55% Cap
1 Year Monthly Avg
<100K 9.00% Spread
>100K 9.00% Spread
Guar. 1.00% on 100% |
$2K Q
$5K NQ |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
10% immediately
|
6.00% age 0-75
4.50% age 76-80
3.00% age 81-85
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln OptiChoice 7 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After the 5th contact year without surrneder charges |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
Lincoln OptiChoice 5
|
Fixed <100K 1.00% 1 yr
>100K 1.15% 1 yr
Performance Triggered Account
<100K 2.50%
>100K 2.50%
1 Year Monthly Cap
<100K 1.40% Cap
>100K 1.50% Cap
1 Year Monthly Avg
<100K 9.00% Spread
>100K 9.00% Spread
Guar. 1.00% on 100 |
$2K Q
$5K NQ |
9%, 8, 7, 6, 5 +/-MVA |
10% immeditately
|
5.00% age 0-75
3.75% age 76-80
2.50% age 81-85
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln OptiChoice 5 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immeditately |
| Annuitization: | After the 5th contact year without surrneder charges |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
New Directions 8
|
Fixed <100K 1.70% 8 yrs
>100K 1.85% 8 yrs
Performance Triggered Account
<100K 3.00% S&P Flat or Up
>100K 3.20% S&P Flat or Up
2 Year Point-to-Point
100% Participation
<100K 7.00% Cap
>100K 7.45% Cap
Guar. 1.00% on 100% |
$10K Q
$10K NQ |
9%, 8, 7, 6, 4. 75, 3 .5, 2, .75 +/-MVA |
10% immediately
|
4.50% age 0-75
3.50% age 76-80
2.25% age 81-85
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About New Directions 8 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After the second contract year the full contract value without MVA or surrender charge may be annuitized. |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
New Directions 6
|
Fixed < 100K 1.40% 6 yrs
>100K 1.55% 6 yrs
Performance Triggered Account
<100K 2.50% S&P Flat / Up
>100K 2.65% S&P Flat / Up
2 Year Point-to-Point
100% Participation
<100K 7.00% Cap
>100K 7.00% Cap
Guar. 1.00% on 100% |
$10K Q
$10K NQ |
9%, 8, 7, 6, 4.75, 3.5 +/-MVA |
10% immediately
|
3.50% age 0-75
2.75% age 76-80
1.75% age 81-85
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About New Directions 6 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After the second contract year the full contract value without MVA or surrender charge may be annuitized. |
| Death Benefit: | Upon the death of the contract owner beneficiaries receive the greater of the contract value or premiums paid, minus any prior surrenders and surrender charges, accumlated at the guaranteed minimum fixed interest rate |
| Surrender Window: | |
| Confinement: | Access to your money without charges after the first contract year if the contact owner is confined to a nursing home or hospital for at least 30 consecutive days, beginning after the first contract year. |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Link
|
Annual P to P Cap Rate 2.75%
Interim Rate 1.00%
Min Guar 1.00% of 90% |
$5K Q
$5K NQ |
9%, 8, 7, 6, 5, 4, 3, 0 +/-MVA |
10% first yr
|
4.00% age 0-80
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Link from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | After year one without surrender |
| Death Benefit: | current accumulation value |
| Surrender Window: | |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Charter 14
|
10.00% Premium Bonus
Fixed 1.50%
Yields 11.65%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
18%, 18, 17, 15, 15, 15, 15, 14, 12, 10, 8, 6, 4, 2, 0 +/-MVA |
10% after yr 1
|
7.50% age 0-75
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Charter 14 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
North American Prizm Plus 7
|
1.20% Fixed Account
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
9%, 9, 8, 7, 6, 4, 2 +/-MVA |
10% after year 1
|
7.50% age 0-75
5.62% age 76-80
3.75% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About North American Prizm Plus 7 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | After first contract year without surrender charge. 1% annuitization bonus after surrender charge period |
| Death Benefit: | Full Accumulaton Value |
| Surrender Window: | |
| Confinement: | After the first contract year with 90 consecutive days of medically necessary confinement surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Precision 14
|
10.00% Premium Bonus
Fixed 1.50%
Yields 11.65%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
18%, 18, 17, 15, 15, 15, 15, 14, 12, 10, 8, 6, 4, 2, 0 +/-MVA |
10% after yr 1
|
7.50% age 0-75
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Precision 14 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Precision 10
|
5.00% Premium Bonus
Fixed 1.30%
Yields 6.36%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
15%, 14, 13, 12, 11, 10, 8, 6, 4, 2, 0 +/-MVA |
10% after yr 1
|
7.50% age 0-75
5.62% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Precision 10 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Precision 7
|
Fixed 1.00%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
10%, 9, 8, 7, 6, 4, 2, 0 +/-MVA |
10% after yr 1
|
7.50% age 0-75
5.62% age 76-80
3.75% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Precision 7 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Charter 10
|
5.00% Premium Bonus
Fixed 1.30%
Yields 6.36%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
15%, 14, 13, 12, 11, 10, 8, 6, 4, 2, 0 +/-MVA |
10% after yr 1
|
7.50% age 0-75
5.62% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Charter 10 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Charter 7
|
Fixed 1.00%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
10%, 9, 8, 7, 6, 4, 2, 0 +/-MVA |
10% after yr 1
|
7.50% age 0-75
5.62% age 76-80
3.75% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Charter 7 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
North American Ten
|
7% Premium Bonus
Fixed 1.15%
Yields 8.23%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
18%, 16, 14, 12, 11, 10, 8, 6, 4, 2 +/-MVA |
10% after yr 1
|
6.50% age 0-75
4.88% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About North American Ten from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Freedom Choice 8
|
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
9%, 9, 8, 7, 6, 5, 4, 2 +/-MVA |
Option of 5% or 10% penalty free after year one selected at time of issue
|
5.50% age 0-75
4.12% age 76-80
2.75% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Freedom Choice 8 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Option of 5% or 10% penalty free after year one selected at time of issue |
| Annuitization: | After surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Increase penalty free withdrawal by an additional 10% |
| Return of Premium: | NA |
| Download the brochure |
|
North American
|
NA Freedom Choice 6
|
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
9%, 9, 8, 6, 4, 2 +/-MVA |
Option of 5% or 10% penalty free after year one selected at time of issue
|
5.50% age 0-75
4.12% age 76-80
2.75% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Freedom Choice 6 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Option of 5% or 10% penalty free after year one selected at time of issue |
| Annuitization: | After surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Increase penalty free withdrawal by an additional 10% |
| Return of Premium: | NA |
| Download the brochure |
|
North American
|
NA Freedom Choice 10
|
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
Option of 5% or 10% penalty free after year one selected at time of issue
|
5.50% age 0-75
4.12% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Freedom Choice 10 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Option of 5% or 10% penalty free after year one selected at time of issue |
| Annuitization: | After surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Increase penalty free withdrawal by an additional 10% |
| Return of Premium: | NA |
| Download the brochure |
|
North American
|
NA Freedom Choice 14
|
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
9%, 9, 9, 9, 8, 8, 7, 7, 6, 6, 5, 4, 3, 2 +/-MVA |
Option of 5% or 10% penalty free after year one selected at time of issue
|
5.50% age 0-75
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Freedom Choice 14 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Option of 5% or 10% penalty free after year one selected at time of issue |
| Annuitization: | After surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Increase penalty free withdrawal by an additional 10% |
| Return of Premium: | NA |
| Download the brochure |
|
North American
|
Charter 7 Tx
|
Fixed 2.00%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
8%, 8, 7, 6, 5, 4, 2 +/-MVA |
10% after yr 1
|
4.65% age 0-75
3.48% age 76-80
2.32% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Charter 7 Tx from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Precision 14 Tx
|
10.00% Premium Bonus
Fixed 2.00%
Yields 12.53%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
15%, 15, 15, 14, 13, 12, 11, 10, 9, 8.5, 8, 7, 6, 5 +/-MVA |
10% after yr 1
|
4.65% age 0-75
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Precision 14 Tx from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Precision 10 Tx
|
5.00% Premium Bonus
Fixed 2.00%
Yields 7.10%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
12%, 12, 10, 10, 8, 8, 6, 6, 5, 5 +/-MVA |
10% after yr 1
|
4.65% age 0-75
3.48% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Precision 10 Tx from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Precision 7 Tx
|
Fixed 2.00%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
8%, 8, 7, 6, 5, 4, 2 +/-MVA |
10% after yr 1
|
4.65% age 0-75
3.48% age 76-80
2.32% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Precision 7 Tx from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Charter 14 Tx
|
Fixed 2.00%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
15%, 15, 15, 14, 13, 12, 11, 10, 9, 8.5, 8, 7, 6, 5 +/-MVA |
10% after yr 1
|
4.65% age 0-75
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Charter 14 Tx from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
Charter 10 Tx
|
5.00% Premium Bonus
Fixed 2.00%
Yields 7.10%
Various Indexed Options
-----
Call for Details
or
Click Search - Key Word "North American Rates" |
$2K Q
$10K NQ |
12%, 12, 10, 10, 8, 8, 6, 6, 5, 5 +/-MVA |
10% after yr 1
|
4.65% age 0-75
3.48% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Charter 10 Tx from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Penalty free after surrender period |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | Penalty free when confinement begins after the first contract anniversary, confined for at least 90 days and medically necessary. |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Index Growth 7
|
Fixed 1.70%
Annual P to P
<100k 2.05% Cap
>100k 2.70% Cap
Guarantee
1.00% on 100% |
$15K Q
$15K NQ |
9%, 8, 7, 6, 5, 4, 2 |
10% immediately
|
5.50% age 0-80
2.75% age 81-85
2.25% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Index Growth 7 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | Anytime with a lifetime or 5 year certain or more without incurring surrender charges |
| Death Benefit: | Full Annuity value without surrender charges |
| Surrender Window: | N/A |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or more, or have a terminal condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Index Growth 5
|
Fixed 1.70%
Annual P to P
<100k 2.00% Cap
>100k 2.50% Cap
Guarantee
1.00% on 100% |
$15K Q
$15K NQ |
8%, 7, 6, 4, 2 |
10% immediately
|
4.50% age 0-80
2.25% age 81-85
1.85% age 85-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Index Growth 5 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | Anytime with a lifetime or 5 year certain or more without incurring surrender charges |
| Death Benefit: | Full Annuity value without surrender charges |
| Surrender Window: | N/A |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or more, or have a terminal condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
For Agent/ Broker Use Only. Rates compiled from various sources, and subject to change without notice. Contact BUA for complete product and rate details.
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