| Company |
Product |
5 yr CO |
10 yr CO |
Life Only* |
Life with 10 yr Certain* |
Min Premium |
Commissions and Issue Ages |
North American
|
Income
 |
$17.11 |
$9.39 |
$5.96 |
$5.73 |
$10K NQ
$10K Q |
2.00% age 0-95
|
About North American:  |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About Income from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 95 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $0 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
 Download the brochure |
|
Lincoln Benefit Life
|
Income Ready Spia 5 - 9 Period Certain Only
|
$16.85 |
$0.00 |
$0.00 |
$0.00 |
$5K NQ
$5K Q |
2.00% age 0-90
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 269440 |
| Comments: | LBL has a long history of providing qualify annuit |
About Income Ready Spia 5 - 9 Period Certain Only from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life Income, Life with Period Certain, Life with Installment Refund, Period Certain, Joint and Survivor available for all payouts. |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
United of Omaha
|
SPIA
|
$16.67 |
$8.86 |
$5.46 |
$5.37 |
$10K NQ
$10K Q |
4.00% age 0-85
|
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 SPIA from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Great American
|
SPIA 5 - 9 yrs
|
$16.67 |
$0.00 |
$0.00 |
$0.00 |
$0K NQ
$0K Q |
1.50% age 0-95
|
About Great American: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A+ |
| Comdex: | 82 |
| Fitch: | A3 |
| Assets: | 9573863 |
About SPIA 5 - 9 yrs from Great American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $0K |
| Min Premium Q: | $0K |
| Max Premium: | $0 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
The Standard
|
Tailored Income Annuity
|
$16.57 |
$9.01 |
$5.11 |
$5.00 |
$15K NQ
$15K Q |
3.00% age 0-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Tailored Income Annuity 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: | life income commutation |
| Annuitization: | life, life with installment refund, life with period certain, joint and survivor life, joint and survivor life with installment refund, period certain |
| Death Benefit: | Accumulation value minus surrender percentage or full value paid out over 5 years or longer |
| Surrender Window: | |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Financial
|
Lincoln Insured Income SPIA
|
$16.27 |
$8.73 |
$5.53 |
$5.30 |
$10K NQ
$10K Q |
3.00% age 0-95
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln Insured Income SPIA from Lincoln Financial: |
| Min Issue Age: | 0 |
| Max Issue Age: | 95 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $2000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
American National
|
SPIA 5 - 9 Certain Only
|
$16.21 |
$0.00 |
$0.00 |
$0.00 |
$15K NQ
$3.5K Q |
1.50% age 0-90
|
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 SPIA 5 - 9 Certain Only from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $3.5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Certain Only 5 - 9 year only |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Protective
|
ProPayer
|
$0.00 |
$8.71 |
$5.32 |
$5.17 |
$10K NQ
$10K Q |
3.00% age 0-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About ProPayer from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Minnesota Life
|
SPIA
|
$0.00 |
$8.86 |
$5.50 |
$5.30 |
$25K NQ
$25K Q |
3.00% age 0-80
1.00% age 81-85
0.50% age 86-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About SPIA from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $2000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Minnesota Life
|
SPIA 5 - 9 Certain Only
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$25K NQ
$25K Q |
1.00% age 0-90
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About SPIA 5 - 9 Certain Only from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $2000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Lincoln Financial
|
Lincoln Smart Income Annuity
|
$0.00 |
$0.00 |
$2.96 |
$0.00 |
$50K NQ
$50K Q |
3.00% age 0-85
|
About Lincoln Financial: |
| AM Best: | A+ |
| Weiss: | B- |
| S&P: | AA- |
| Comdex: | 89 |
| Fitch: | A2 |
| Assets: | 67006961 |
| Comments: | Lincoln Financial annuities are a convenient way t |
About Lincoln Smart Income Annuity from Lincoln Financial: |
| Min Issue Age: | 50 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $50K |
| Min Premium Q: | $50K |
| Max Premium: | $2000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% free after yr 1 from the Reserve Value |
| Annuitization: | Life only, Joint Life only - 25 bps trail commission, ask us |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Lincoln Benefit Life
|
Income Ready Spia
|
$0.00 |
$8.95 |
$5.63 |
$5.39 |
$5K NQ
$5K Q |
3.00% age 0-90
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 269440 |
| Comments: | LBL has a long history of providing qualify annuit |
About Income Ready Spia from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | Accelerated Payment Rider
Guaranteed Annuity Payment Liquidity Rider |
| Annuitization: | Life Income, Life with Period Certain, Life with Installment Refund, Period Certain,Modified Cash Refund. Joint and Survivor available for all payouts. |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
ING USG Annuity
|
SPIA
|
$0.00 |
$0.00 |
$5.68 |
$5.44 |
$5K NQ
$5K Q |
3.00% age 0-85
|
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 SPIA from ING USG Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $2000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Great American
|
GALIC SPIA
|
$0.00 |
$8.63 |
$5.59 |
$5.36 |
$10K NQ
$10K Q |
3.00% age 0-95
|
About Great American: |
| AM Best: | A |
| Weiss: | B- |
| S&P: | A+ |
| Comdex: | 82 |
| Fitch: | A3 |
| Assets: | 9573863 |
About GALIC SPIA from Great American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 95 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $750000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Genworth
|
SPIA
|
$0.00 |
$9.15 |
$0.00 |
$5.44 |
$5K NQ
$5K Q |
3.00% age 0-90
|
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 SPIA from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 95 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life with Period Certain, Life with Installment Refund, Life with Cash Refund, Period Certain, Joint and Survivor available for all payouts. |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
Aviva Life & Annuity
|
SPIA
|
$0.00 |
$8.81 |
$5.47 |
$5.26 |
$0K NQ
$0K Q |
3.00% age 0-85
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About SPIA from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $0K |
| Min Premium Q: | $0K |
| Max Premium: | $0 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
American National
|
SPIA
|
$0.00 |
$8.73 |
$5.71 |
$5.51 |
$15K NQ
$3.5K Q |
3.00% age 0-84
1.50% age 85-90
|
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 SPIA from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 100 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $3.5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | |
| Annuitization: | Life Income, Life with Period Certain, Life with Installment Refund, Period Certain, Joint and Survivor available for all payouts. |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
American General
|
SPIA
|
$0.00 |
$8.77 |
$5.60 |
$5.33 |
$5K NQ
$5K Q |
3.00% age 0-85
|
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 SPIA 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: | |
| Annuitization: | Life Income, Life with Period Certain, Life with Installment Refund, Life with Cash Refund, Period Certain, Joint and Survivor available for all payouts. |
| Death Benefit: | |
| Surrender Window: | |
| Return of Premium: | |
| Download the brochure |
|
* Male age 65. Monthly installments per $1,000 of net premiums.
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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