| Company |
Product |
Min Premium |
1st Year Rate |
Rate Thereafter |
Avg Annual Yield |
Surrender Charges |
Commissions and Issue Ages |
| 3 Year Products |
North American
|
NA Guarantee Choice 3 Highband
 |
$200K Q
$200K NQ |
1.20% |
1.20% |
1.20% |
10%, 10, 10 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American:  |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 3 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
 Download the brochure |
|
| 4 Year Products |
North American
|
NA Guarantee Choice 4 Highband
|
$200K Q
$200K NQ |
1.80% |
1.80% |
1.80% |
10%, 10, 10, 10 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 4 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 4
|
$2K Q
$10K NQ |
1.50% |
1.50% |
1.50% |
10%, 10, 10, 10 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 4 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
| 5 Year Products |
North American
|
NA Guarantee Choice 5 Highband
|
$200K Q
$200K NQ |
2.25% |
2.25% |
2.25% |
10%, 10, 10, 10, 10 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 5 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonSelect 5 CA
|
$5K Q
$5K NQ |
2.00% |
2.00% |
2.00% |
10%, 9, 8, 7, 6, 5 +/-MVA |
4.00% age 0-80
3.00% 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 HorizonSelect 5 CA 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 5
|
$2K Q
$10K NQ |
2.00% |
2.00% |
2.00% |
10%, 10, 10, 10, 10 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 5 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Rate Saver 5 ultra highband
|
$250K Q
$250K NQ |
1.90% |
1.90% |
1.90% |
9%, 8, 7, 6, 5 +/-MVA |
2.00% age 0-75
1.35% age 76-80
0.70% 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 Rate Saver 5 ultra highband from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $250K |
| Min Premium Q: | $250K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest only |
| Annuitization: | After first contract year without surrender or MVA |
| Death Benefit: | Full contract value without surrender or MVA |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year, you can make one withdrawal, up to 50% of the contract value without surrender or MVA |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focus Growth 5 highband
|
$100K Q
$100K NQ |
1.85% |
1.85% |
1.85% |
8%, 7, 6, 5, 4 +/-MVA |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus Growth 5 highband from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSelect 5
|
$5K Q
$5K NQ |
1.80% |
1.80% |
1.80% |
10%, 9, 8, 7, 6, 5 +/-MVA |
4.00% age 0-80
3.00% 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 HorizonSelect 5 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSelect 5 TX
|
$5K Q
$5K NQ |
1.80% |
1.80% |
1.80% |
9%, 8, 7, 6, 5 +/-MVA |
3.50% age 0-80
2.75% 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 HorizonSelect 5 TX 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Rate Saver 5 highband
|
$100K Q
$100K NQ |
1.80% |
1.80% |
1.80% |
9%, 8, 7, 6, 5 +/-MVA |
2.00% age 0-75
1.35% age 76-80
0.70% 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 Rate Saver 5 highband 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: | interest only |
| Annuitization: | After first contract year without surrender or MVA |
| Death Benefit: | Full contract value without surrender or MVA |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year, you can make one withdrawal, up to 50% of the contract value without surrender or MVA |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Option Select 5 Highband
|
$100K Q
$100K NQ |
1.80% |
1.80% |
1.80% |
9%, 9, 8, 7, 6 +/-MVA |
2.50% age 0-80
0.75% age 81-85
0.25% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Option Select 5 Highband from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | anytime subject to a plus or minus MVA |
| Death Benefit: | current accumulation value |
| Surrender Window: | 30 days |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focused Growth 5
|
$15K Q
$15K NQ |
1.75% |
1.75% |
1.75% |
8%, 7, 6, 5, 4 +/-MVA |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focused 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: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Rate Saver 5
|
$25K Q
$25K NQ |
1.60% |
1.60% |
1.60% |
9%, 8, 7, 6, 5 +/-MVA |
2.00% age 0-75
1.35% age 76-80
0.70% 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 Rate Saver 5 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: | Interest only |
| Annuitization: | After first contract year without surrender or MVA |
| Death Benefit: | Full contract value without surrender or MVA |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year, you can make one withdrawal, up to 50% of the contract value without surrender or MVA |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 5 Highband
|
$100K Q
$100K NQ |
1.60% |
1.60% |
1.60% |
7%, 7, 6, 5, 4 +/-MVA |
2.00% age 0-75
1.30% age 76-80
0.75% 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 MyGuarantee Plus 5 Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Option Select 5
|
$5K Q
$5K NQ |
1.60% |
1.60% |
1.60% |
9%, 9, 8, 7, 6 +/-MVA |
2.50% age 0-80
0.75% age 81-85
0.25% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Option Select 5 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | anytime subject to a plus or minus MVA |
| Death Benefit: | current accumulation value |
| Surrender Window: | 30 days |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSecure 5
|
$5K Q
$5K NQ |
1.50% |
1.50% |
1.50% |
9%, 8, 7, 6, 5 |
4.00% age 0-80
3.00% 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 HorizonSecure 5 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 5
|
$10K Q
$10K NQ |
1.45% |
1.45% |
1.45% |
7%, 7, 6, 5, 4 +/-MVA |
2.00% age 0-75
1.30% age 76-80
0.75% 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 MyGuarantee Plus 5 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Secured Rate 5 highband
|
$100K Q
$100K NQ |
1.45% |
1.45% |
1.45% |
9%, 8, 7, 6, 5 |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Secured Rate 5 highband from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | Anytime you convert to a payout annuity either lifetime or 5 years period certain or longer without surrender charges |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first policy year, if you become a resident of a nursing home for 30 consecutive days or incur a terminal condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Secured Rate 5
|
$15K Q
$15K NQ |
1.35% |
1.35% |
1.35% |
9%, 8, 7, 6, 5 |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Secured Rate 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% after year 1 |
| Annuitization: | Anytime you convert to a payout annuity either lifetime or 5 years period certain or longer without surrender charges |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first policy year, if you become a resident of a nursing home for 30 consecutive days or incur a terminal condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
United of Omaha
|
Ultra Secure 5 Highband
|
$100K Q
$100K NQ |
2.15% |
1.15% |
1.35% |
6%, 6, 6, 6, 5 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure 5 Highband from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
United of Omaha
|
Ultra Secure Plus 5 Highband
|
$50K Q
$50K NQ |
2.15% |
1.15% |
1.35% |
6%, 6, 6, 6, 5 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure Plus 5 Highband from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $50K |
| Min Premium Q: | $50K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
American National
|
Palladium MYG 5 Highband
|
$100K Q
$100K NQ |
2.10% |
1.10% |
1.30% |
8%, 8, 8, 7, 6 +/-MVA |
3.00% age 0-79
1.00% 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 Palladium MYG 5 Highband from American National: |
| 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 yr 1 |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Protective
|
FutureSaver 5 Highband
|
$2K Q
$10K NQ |
2.01% |
1.00% |
1.20% |
8.5%, 7.5, 6.5, 5.5, 4.5 +/-MVA |
2.00% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 5 Highband from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
American National
|
Palladium MYG 5
|
$5K Q
$5K NQ |
2.00% |
1.00% |
1.20% |
8%, 8, 8, 7, 6 +/-MVA |
3.00% age 0-79
1.00% 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 Palladium MYG 5 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $99999 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
United of Omaha
|
Ultra Secure 5
|
$5K Q
$5K NQ |
2.00% |
1.00% |
1.20% |
6%, 6, 6, 6, 5 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure 5 from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
United of Omaha
|
Ultra Secure Plus 5
|
$5K Q
$5K NQ |
2.00% |
1.00% |
1.20% |
6%, 6, 6, 6, 5 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure Plus 5 from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
Protective
|
FutureSaver 5
|
$2K Q
$10K NQ |
1.00% |
1.00% |
1.00% |
8.5%, 7.5, 6.5, 5.5, 4.5 +/-MVA |
2.00% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 5 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
| 6 Year Products |
North American
|
NA Guarantee Choice 6 Highband
|
$200K Q
$200K NQ |
2.60% |
2.60% |
2.60% |
10%, 10, 10, 10, 10, 9 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 6 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG Horizon Achiever
|
$5K Q
$5K NQ |
2.35% |
2.35% |
2.35% |
10%, 9, 8, 7, 6, 5 +/-MVA |
3.00% age 0-80
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 Horizon Achiever 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonAchiever CA
|
$5K Q
$5K NQ |
2.35% |
2.35% |
2.35% |
10%, 9, 8, 7, 6, 5 +/-MVA |
3.00% age 0-80
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 HorizonAchiever CA 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonAchiever DE,SC,TX
|
$5K Q
$5K NQ |
2.35% |
2.35% |
2.35% |
9%, 8, 7, 6, 5, 4 +/-MVA |
2.75% age 0-80
1.75% 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 HorizonAchiever DE,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: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 6
|
$2K Q
$10K NQ |
2.35% |
2.35% |
2.35% |
10%, 10, 10, 10, 10, 9 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 6 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | |
| Download the brochure |
|
The Standard
|
Focus Growth 6 highband
|
$100K Q
$100K NQ |
2.30% |
2.30% |
2.30% |
8%, 7, 6, 5, 4, 3 +/-MVA |
2.00% age 0-80
1.00% age 81-85
0.77% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus Growth 6 highband from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focus Growth 6
|
$15K Q
$15K NQ |
2.20% |
2.20% |
2.20% |
8%, 7, 6, 5, 4, 3 +/-MVA |
2.00% age 0-80
1.00% age 81-85
0.77% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus Growth 6 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 6 Highband
|
$100K Q
$100K NQ |
1.90% |
1.90% |
1.90% |
7%, 7, 6, 5, 4, 3 +/-MVA |
2.25% age 0-75
1.50% age 76-80
0.75% 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 MyGuarantee Plus 6 Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 6 Highband
|
$100K Q
$100K NQ |
1.80% |
1.80% |
1.80% |
8%, 8, 8, 7, 6, 5 +/-MVA |
2.50% age 0-79
0.50% 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 Palladium MYG 6 Highband from American National: |
| 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 yr 1 |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 6
|
$10K Q
$10K NQ |
1.75% |
1.75% |
1.75% |
7%, 7, 6, 5, 4, 3 +/-MVA |
2.25% age 0-75
1.50% age 76-80
0.75% 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 MyGuarantee Plus 6 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladuim MYG 6
|
$5K Q
$5K NQ |
1.70% |
1.70% |
1.70% |
8%, 8, 8, 7, 6, 5 +/-MVA |
2.50% age 0-79
0.50% 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 Palladuim MYG 6 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $99999 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
New Directions 6 Fixed Highband
|
$100K Q
$100K NQ |
1.55% |
1.55% |
1.55% |
9%, 8, 7, 6, 4.75, 3.5 +/-MVA |
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 Fixed Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| 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 |
|
Protective
|
FutureSaver 6 Highband
|
$2K Q
$10K NQ |
2.31% |
1.30% |
1.47% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5 +/-MVA |
2.25% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 6 Highband from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
The Standard
|
Secured Rate 6 highband
|
$100K Q
$100K NQ |
1.45% |
1.45% |
1.45% |
9%, 8, 7, 6, 5, 4 |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Secured Rate 6 highband from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | Anytime you convert to a payout annuity either lifetime or 5 years period certain or longer without surrender charges |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first policy year, if you become a resident of a nursing home for 30 consecutive days or incur a terminal condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
New Directions 6 Fixed
|
$10K Q
$10K NQ |
1.40% |
1.40% |
1.40% |
9%, 8, 7, 6, 4.75, 3.5 +/-MVA |
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 Fixed 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 |
|
The Standard
|
Secured Rate 6
|
$15K Q
$15K NQ |
1.35% |
1.35% |
1.35% |
9%, 8, 7, 6, 5, 4 |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Secured Rate 6 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% after year 1 |
| Annuitization: | Anytime you convert to a payout annuity either lifetime or 5 years period certain or longer without surrender charges |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | N/A |
| Confinement: | After the first policy year, if you become a resident of a nursing home for 30 consecutive days or incur a terminal condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Protective
|
FutureSaver 6
|
$2K Q
$10K NQ |
1.30% |
1.30% |
1.30% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5 +/-MVA |
2.25% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 6 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
| 7 Year Products |
North American
|
NA Guarantee Choice 7 Highband
|
$200K Q
$200K NQ |
2.90% |
2.90% |
2.90% |
10%, 10, 10, 10, 10, 9, 8 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 7 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 7
|
$2K Q
$10K NQ |
2.70% |
2.70% |
2.70% |
10%, 10, 10, 10, 10, 9, 8 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 7 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Rate Saver 7 ultra highband
|
$250K Q
$250K NQ |
2.55% |
2.55% |
2.55% |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
2.75% age 0-75
2.15% age 76-80
1.50% 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 Rate Saver 7 ultra highband from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $250K |
| Min Premium Q: | $250K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest only |
| Annuitization: | After first contract year without surrender or MVA |
| Death Benefit: | Full contract value without surrender or MVA |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year, you can make one withdrawal, up to 50% of the contract value without surrender or MVA |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Rate Saver 7 higband
|
$100K Q
$100K NQ |
2.45% |
2.45% |
2.45% |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
2.75% age 0-75
2.15% age 76-80
1.50% 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 Rate Saver 7 higband from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | After first contract year without surrender or MVA |
| Death Benefit: | Full contract value without surrender or MVA |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year, you can make one withdrawal, up to 50% of the contract value without surrender or MVA |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSelect 7
|
$5K Q
$5K NQ |
2.40% |
2.40% |
2.40% |
10%, 9, 8, 7, 6, 5, 4 +/-MVA |
4.00% age 0-80
3.00% 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 HorizonSelect 7 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
Myguarantee Plus 7 Highband
|
$100K Q
$100K NQ |
2.30% |
2.30% |
2.30% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 Myguarantee Plus 7 Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 7 Highband
|
$100K Q
$100K NQ |
3.15% |
2.15% |
2.29% |
8%, 8, 8, 7, 6, 5, 4 +/-MVA |
2.50% age 0-79
0.50% 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 Palladium MYG 7 Highband from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Rate Saver 7
|
$25K Q
$25K NQ |
2.25% |
2.25% |
2.25% |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
2.75% age 0-75
2.15% age 76-80
1.50% 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 Rate Saver 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: | Interest only |
| Annuitization: | After first contract year without surrender or MVA |
| Death Benefit: | Full contract value without surrender or MVA |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year, you can make one withdrawal, up to 50% of the contract value without surrender or MVA |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focus Growth 7 highband
|
$100K Q
$100K NQ |
2.25% |
2.25% |
2.25% |
8%, 7, 6, 5, 4, 3, 2 +/-MVA |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus Growth 7 highband from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 7
|
$5K Q
$5K NQ |
3.05% |
2.05% |
2.19% |
8%, 8, 8, 7, 6, 5, 4 +/-MVA |
2.50% age 0-79
0.50% 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 Palladium MYG 7 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $99999 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 7
|
$10K Q
$10K NQ |
2.15% |
2.15% |
2.15% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 7 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Option Select 7 Highband
|
$100K Q
$100K NQ |
2.15% |
2.15% |
2.15% |
9%, 9, 8, 7, 6, 5, 6 +/-MVA |
3.00% age 0-80
1.00% age 81-85
0.25% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Option Select 7 Highband from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | anytime subject to a plus or minus MVA |
| Death Benefit: | current accumulation value |
| Surrender Window: | 30 days |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focus Growth 7
|
$15K Q
$15K NQ |
2.15% |
2.15% |
2.15% |
8%, 7, 6, 5, 4, 3, 2 +/-MVA |
3.00% age 0-80
1.50% age 81-85
1.35% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus 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: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonSecure 7 CA
|
$5K Q
$5K NQ |
2.10% |
2.10% |
2.10% |
9%, 8, 7, 6, 5, 4, 3 |
4.00% age 0-80
3.00% 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 HorizonSecure 7 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonSelect 7 CA
|
$5K Q
$5K NQ |
2.10% |
2.10% |
2.10% |
10%, 9, 8, 7, 6, 5, 4 +/-MVA |
4.00% age 0-80
3.00% 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 HorizonSelect 7 CA 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSecure 7
|
$5K Q
$5K NQ |
2.10% |
2.10% |
2.10% |
9%, 8, 7, 6, 5, 4, 3 |
4.00% age 0-80
3.00% 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 HorizonSecure 7 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSecure 7 MN, NJ & PA
|
$5K Q
$5K NQ |
2.10% |
2.10% |
2.10% |
9%, 8, 7, 6, 5, 4, 3 |
3.50% age 0-80
2.75% 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 HorizonSecure 7 MN, NJ & 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% immediately |
| Annuitization: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Option Select 7
|
$5K Q
$5K NQ |
1.95% |
1.95% |
1.95% |
9%, 9, 8, 7, 6, 5, 6 +/-MVA |
3.00% age 0-80
1.00% age 81-85
0.25% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Option Select 7 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | anytime subject to a plus or minus MVA |
| Death Benefit: | current accumulation value |
| Surrender Window: | 30 days |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSelect 7 DE,SC,TX
|
$5K Q
$5K NQ |
1.80% |
1.80% |
1.80% |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
3.50% age 0-80
2.75% 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 HorizonSelect 7 DE,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: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
United of Omaha
|
Ultra Secure 7 Highband
|
$100K Q
$100K NQ |
1.80% |
1.80% |
1.80% |
6%, 6, 6, 6, 5, 4, 3 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure 7 Highband from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
United of Omaha
|
Ultra Secure Plus 7 Highband
|
$50K Q
$50K NQ |
1.80% |
1.80% |
1.80% |
6%, 6, 6, 6, 5, 4, 3 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure Plus 7 Highband from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $50K |
| Min Premium Q: | $50K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
Protective
|
FutureSaver 7 Highband
|
$2K Q
$10K NQ |
2.57% |
1.55% |
1.70% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 7 Highband from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
United of Omaha
|
Ultra Secure 7
|
$5K Q
$5K NQ |
1.65% |
1.65% |
1.65% |
6%, 6, 6, 6, 5, 4, 3 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure 7 from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $100000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
United of Omaha
|
Ultra Secure Plus 7
|
$5K Q
$5K NQ |
1.65% |
1.65% |
1.65% |
6%, 6, 6, 6, 5, 4, 3 +/-MVA |
4.00% age 0-75
3.00% age 76-80
2.00% age 81-89
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 96 |
| Fitch: | Aa3 |
| Assets: | 11842040 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Ultra Secure Plus 7 from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | 30 days |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | YES |
| Download the brochure |
|
ING USG Annuity
|
ING Guarantee Choice 7 Highband
|
$75K Q
$75K NQ |
2.50% |
1.50% |
1.64% |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
2.50% 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 Guarantee Choice 7 Highband from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $75K |
| Min Premium Q: | $75K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Available after the first year with surrender charges or after the ninth year surrender charges waived |
| Death Benefit: | Full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year full access to the accumulation value, without surrender charge, if the owner is confined or hospitalized for 45 days during any 60 day period |
| Return of Premium: | NO |
| Download the brochure |
|
Protective
|
FutureSaver 7
|
$2K Q
$10K NQ |
1.55% |
1.55% |
1.55% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 7 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
ING USG Annuity
|
ING Guarantee Choice 7
|
$15K Q
$15K NQ |
1.50% |
1.50% |
1.50% |
9%, 8, 7, 6, 5, 4, 3 +/-MVA |
2.50% 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 Guarantee Choice 7 from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $74999 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | Available after the first year with surrender charges or after the ninth year surrender charges waived |
| Death Benefit: | Full Accumulation Value |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year full access to the accumulation value, without surrender charge, if the owner is confined or hospitalized for 45 days during any 60 day period |
| Return of Premium: | NO |
| Download the brochure |
|
| 8 Year Products |
North American
|
NA Guarantee Choice 8 Highband
|
$200K Q
$200K NQ |
3.10% |
3.10% |
3.10% |
10%, 10, 10, 10, 10, 9, 8, 6 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 8 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 8
|
$2K Q
$10K NQ |
2.90% |
2.90% |
2.90% |
10%, 10, 10, 10, 10, 9, 8, 6 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 8 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | N0 |
| Download the brochure |
|
American National
|
Palladium MYG 8 Highband
|
$100K Q
$100K NQ |
2.65% |
2.65% |
2.65% |
8%, 8, 8, 7, 6, 5, 4, 3 +/-MVA |
2.50% age 0-79
0.50% 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 Palladium MYG 8 Highband from American National: |
| 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 yr 1 |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 8
|
$5K Q
$5K NQ |
2.55% |
2.55% |
2.55% |
8%, 8, 8, 7, 6, 5, 4, 3 +/-MVA |
2.50% age 0-79
0.50% 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 Palladium MYG 8 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $99999 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 8 Highband
|
$100K Q
$100K NQ |
2.35% |
2.35% |
2.35% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 8 Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 8
|
$10K Q
$10K NQ |
2.20% |
2.20% |
2.20% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 8 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Protective
|
FutureSaver 8 Highband
|
$2K Q
$10K NQ |
2.82% |
1.80% |
1.93% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 8 Highband from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
Lincoln Financial
|
New Directions 8 Fixed Highband
|
$100K Q
$100K NQ |
1.85% |
1.85% |
1.85% |
9%, 8, 7, 6, 4.75, 3.5, 2, .75 +/-MVA |
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 Fixed Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| 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 |
|
Protective
|
FutureSaver 8
|
$2K Q
$10K NQ |
1.80% |
1.80% |
1.80% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 8 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
Lincoln Financial
|
New Directions 8 Fixed
|
$10K Q
$10K NQ |
1.70% |
1.70% |
1.70% |
9%, 8, 7, 6, 4.75, 3.5, 2, .75 +/-MVA |
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 Fixed 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 |
|
| 9 Year Products |
North American
|
NA Guarantee Choice 9 Highband
|
$200K Q
$200K NQ |
3.30% |
3.30% |
3.30% |
10%, 10, 10, 10, 10, 9, 8, 6, 4 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 9 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 9
|
$2K Q
$10K NQ |
3.10% |
3.10% |
3.10% |
10%, 10, 10, 10, 10, 9, 8, 6, 4 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 9 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Option Select 9 Highband
|
$100K Q
$100K NQ |
2.90% |
2.90% |
2.90% |
9%, 9, 8, 7, 6, 5, 6, 4, 3, 2, 0 +/-MVA |
3.50% age 0-80
1.25% age 81-85
0.25% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Option Select 9 Highband from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | anytime subject to a plus or minus MVA |
| Death Benefit: | current accumulation value |
| Surrender Window: | 30 days |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
Secure Option Select 9
|
$5K Q
$5K NQ |
2.70% |
2.70% |
2.70% |
9%, 9, 8, 7, 6, 5, 6, 4, 3, 2, 0 +/-MVA |
3.50% age 0-80
1.25% age 81-85
0.25% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About Secure Option Select 9 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $2000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% first yr |
| Annuitization: | anytime subject to a plus or minus MVA |
| Death Benefit: | current accumulation value |
| Surrender Window: | 30 days |
| Confinement: | If confined to a nursing home after one contract year and additional 10% is available |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 9 Highband
|
$100K Q
$100K NQ |
4.45% |
2.45% |
2.67% |
8%, 8, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
3.00% age 0-79
1.00% 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 Palladium MYG 9 Highband from American National: |
| 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 yr 1 |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 9
|
$5K Q
$5K NQ |
4.35% |
2.35% |
2.57% |
8%, 8, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
3.00% age 0-79
1.00% 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 Palladium MYG 9 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $99999 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 9 Highband
|
$100K Q
$100K NQ |
2.45% |
2.45% |
2.45% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 9 Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 9
|
$10K Q
$10K NQ |
2.30% |
2.30% |
2.30% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 9 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Protective
|
FutureSaver 9 Highband
|
$2K Q
$10K NQ |
2.97% |
1.95% |
2.06% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 9 Highband from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
Protective
|
FutureSaver 9
|
$2K Q
$10K NQ |
1.95% |
1.95% |
1.95% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 9 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
| 10 Year Products |
North American
|
NA Guarantee Choice 10 Highband
|
$200K Q
$200K NQ |
3.40% |
3.40% |
3.40% |
10%, 10, 10, 10, 10, 9, 8, 6, 4, 2 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 10 Highband from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $200K |
| Min Premium Q: | $200K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Guarantee Choice 10
|
$2K Q
$10K NQ |
3.25% |
3.25% |
3.25% |
10%, 10, 10, 10, 10, 9, 8, 6, 4, 2 +/-MVA |
2.50% age 0-80
1.88% age 81-84
1.25% age 85-90
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Guarantee Choice 10 from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | current interest available after 30 days |
| Annuitization: | penatly free after the first contract year |
| Death Benefit: | The full accumulation value |
| Surrender Window: | NA |
| Confinement: | After first policy year and confined for a period of 90 days the penalty free wilthdrawal is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 10 Highband
|
$100K Q
$100K NQ |
3.55% |
2.55% |
2.65% |
8%, 8, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
4.00% age 0-79
2.00% 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 Palladium MYG 10 Highband from American National: |
| 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 yr 1 |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
AG HorizonSelect 10 CA
|
$5K Q
$5K NQ |
2.60% |
2.60% |
2.60% |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
4.00% age 0-80
3.00% 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 HorizonSelect 10 CA 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 Days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonSelect 10
|
$5K Q
$5K NQ |
2.60% |
2.60% |
2.60% |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
4.00% age 0-80
3.00% 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 HorizonSelect 10 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: | After the 5th contract year and annuitized for at least 5 years, the full annuity value without surrender charges or MVA |
| Death Benefit: | Full annuity value upon the death of the owner |
| Surrender Window: | 30 days |
| Confinement: | Surrender charges and MVA are waived if the owner receives extended care while confined in a qualified institution for at least 90 consecutive days that begins at least one year after the date of issue of the contract. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium MYG 10
|
$5K Q
$5K NQ |
3.45% |
2.45% |
2.55% |
8%, 8, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
4.00% age 0-79
2.00% 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 Palladium MYG 10 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $99999 |
| MVA: | TRUE |
| Free Withdrawal: | Interest after 30 days. 10% beginning in year two. |
| Annuitization: | Beginnning in the 4th policy year annuitization without surrender charge or MVA with a minimum payout of 5 years of more |
| Death Benefit: | Upon the death of the owner or annuitant, the death benefit will be the greater of the surrender value or the annuity value |
| Surrender Window: | 30 Days |
| Confinement: | After 90 days from issue, with written proof from a licensed physician, following 60 or more consecutive days confined to a hospital or nursing home surrender charges are waived. |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focus Growth 10 Highband
|
$100K Q
$100K NQ |
2.50% |
2.50% |
2.50% |
8%, 7, 6, 5, 4, 3, 2, 1, .9 +/-MVA |
4.00% age 0-80
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus Growth 10 Highband from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 10 Highband
|
$100K Q
$100K NQ |
2.45% |
2.45% |
2.45% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 10 Highband from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $100K |
| Min Premium Q: | $100K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Focus Growth 10
|
$15K Q
$15K NQ |
2.40% |
2.40% |
2.40% |
8%, 7, 6, 5, 4, 3, 2, 1, .9 +/-MVA |
4.00% age 0-80
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Focus Growth 10 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | Interest Only |
| Annuitization: | Anytime you choose either a lifetime or 5 years certain or more surrender charges are waived |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | |
| Confinement: | After the first contract year, if you become a nursing home resident for 30 days or longer, or if you incur a termial condition, surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
MyGuarantee Plus 10
|
$10K Q
$10K NQ |
2.30% |
2.30% |
2.30% |
7%, 7, 6, 5, 4, 3, 2 +/-MVA |
2.50% age 0-75
1.60% age 76-80
1.00% 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 MyGuarantee Plus 10 from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | full contract value after the 5th contact year |
| Death Benefit: | Full annuity value |
| Surrender Window: | |
| Confinement: | No confinement waiver |
| Return of Premium: | NO |
| Download the brochure |
|
Protective
|
FutureSaver 10 Highband
|
$2K Q
$10K NQ |
3.12% |
2.10% |
2.20% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 10 Highband from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
Protective
|
FutureSaver 10
|
$2K Q
$10K NQ |
2.10% |
2.10% |
2.10% |
8.5%, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5 +/-MVA |
2.50% age 0-75
1.00% age 76-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About FutureSaver 10 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | interest only |
| Annuitization: | Not available at contract value until the end of the guarantee period at a 5-year minimum payout. |
| Death Benefit: | Contract Value at time of Death |
| Surrender Window: | 30 days |
| Confinement: | Withdrawals from the contract may be taken without surrender charge if the owner is confined to a qualified heatlthcare facility for 30 consecutive days or longer. |
| Return of Premium: | yes |
| Download the brochure |
|
ING USG Annuity
|
ING Guarantee Choice 10 Highband
|
$75K Q
$75K NQ |
3.00% |
2.00% |
2.10% |
9%, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
3.25% 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 Guarantee Choice 10 Highband from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $75K |
| Min Premium Q: | $75K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Available after the first year with surrender charges or after the ninth year surrender charges waived |
| Death Benefit: | Full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year full access to the accumulation value, without surrender charge, if the owner is confined or hospitalized for 45 days during any 60 day period |
| Return of Premium: | NO |
| Download the brochure |
|
ING USG Annuity
|
ING Guarantee Choice 10
|
$15K Q
$15K NQ |
2.00% |
2.00% |
2.00% |
9%, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
3.25% 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 Guarantee Choice 10 from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| Max Premium: | $74999 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Available after the first year with surrender charges or after the ninth year surrender charges waived |
| Death Benefit: | Full accumulation value |
| Surrender Window: | 30 days |
| Confinement: | After the first contract year full access to the accumulation value, without surrender charge, if the owner is confined or hospitalized for 45 days during any 60 day period |
| 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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