| Company |
Product |
Interest Rate |
Min Premium |
Surrender Charges |
Free Withdrawal |
Commissions & Issue Ages |
American General
|
Horizon MYG
 |
6.00% yr 1
2.00% yrs 2-6
2% guar minimum |
$5K NQ
$5K Q |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% all years
|
7.50% age 0-75
5.00% age 76-80
3.00% age 81-85
|
About American General:  |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 28386365 |
| Comments: | American General has built their business around u |
About Horizon MYG 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% all years |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Equal to the annuity value, but not less than the withdrawal value. Beneficiary may elect to apply the death benefit amount under an income plan option or as a single sum |
| Surrender Window: | |
| Confinement: | Extended Care Rider - Charges waived if confined to a qualifying hospital or extended care facility beginning after the first policy year and for 90 consecutive days or longer. Expires at age 75. |
| Return of Premium: | NO |
 Download the brochure |
|
American General
|
Horizon MYG OR, PA & WA
|
6.00% yr 1
2.00% yrs 2-6
2% guar minimum |
$5K NQ
$5K Q |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% all years
|
7.00% age 0-75
4.50% age 76-80
2.70% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 28386365 |
| Comments: | American General has built their business around u |
About Horizon MYG OR, PA & WA 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% all years |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Equal to the annuity value, but not less than the withdrawal value. Beneficiary may elect to apply the death benefit amount under an income plan option or as a single sum |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Horizon MYG TX
|
6.00% yr 1
2.00% yrs 2-6
2% guar minimum |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3 ,2, 1, 0 +/-MVA |
10% all years
|
7.00% age 0-75
4.50% age 76-80
2.70% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 28386365 |
| Comments: | American General has built their business around u |
About Horizon MYG 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% all years |
| Annuitization: | Allowed without withdrawal charges or MVA if after 5th contract year and is either life-contingent or for a minimum of 5 years |
| Death Benefit: | Equal to the annuity value, but not less than the withdrawal value. Beneficiary may elect to apply the death benefit amount under an income plan option or as a single sum |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
HorizonPlus 2004
|
8.00% guar 1st year
2.00% guar years 2-6
2% guar minimum |
$5K NQ
$5K Q |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 0 +/-MVA |
10% after yr 1
|
6.00% age 0-75
3.20% age 76-80
1.35% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 28386365 |
| Comments: | American General has built their business around u |
About HorizonPlus 2004 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: | allowed without withdrawal charges or MVA if after 5th contract year and for a minimum of 5 years |
| Death Benefit: | Annuity value utilized if annuitized for a minimum of 5 years; withdrawal value without MVA is used otherwise, but not less than premium paid less any prior withdrawals |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American General
|
Horizon Flex
|
4.20% yr 1
2.20% base rate
2% guar minimum |
$5K NQ
$2K Q |
8%, 8, 8, 7, 6, 5, 3, 1 |
10% after yr 1
|
5.00% age 0-75
4.00% age 76-80
3.00% age 81-85
|
About American General: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 87 |
| Fitch: | A1 |
| Assets: | 28386365 |
| Comments: | American General has built their business around u |
About Horizon Flex from American General: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | Annuity value used to compute periodic payments if annuitized after 5th contract anniversary and for either life contingent or a minimum or 5 years. Withdrawal value otherwise. |
| Death Benefit: | Equal to the annuity value as of the date of the owner's death |
| Surrender Window: | |
| Confinement: | Surrender Charges and MVA are waived in the event that the client receives qualified extened care: That begins at least one year after the date of issue of the contract, and is provided in a qualified institution for at least 90 consecutive days |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium Century 1
|
3.00%
Base Rate 2.00%
Additional premium will be accepted during the first contract year
Guarantee - 2% |
$5K NQ
$5K Q |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% after year 1
|
8.00% age 0-74
5.50% age 75-90
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Palladium Century 1 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | Available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium Century 3
|
5.00%
Base Rate 2.00%
Additional premium will be accepted during the first contract year
Guarantee - 2% |
$5K NQ
$5K Q |
11%, 10, 9, 8, 7, 6, 5, 4, 3, 2 +/-MVA |
10% after year 1
|
7.00% age 0-74
4.50% age 75-85
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Palladium Century 3 from American National: |
| 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 year 1 |
| Annuitization: | Full annuity value available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium Century 5
|
7.00%
Base Rate 2.00%
Additional premium will be accepted during the first contract year
Guarantee - 2% |
$5K NQ
$5K Q |
12%, 12, 11, 10, 9, 8, 6, 4, 3, 2 +/-MVA |
10% after year 1
|
6.00% age 0-74
3.50% age 75-80
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Palladium Century 5 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | Available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium Century
|
2.00%
Base Rate 2.00%
Additional premium cannot exceed total premium paid in first contract year
Guarantee - 2% |
$5K NQ
$1.2K Q |
9%, 8, 7, 6, 5, 4, 2 |
10% after year 1
|
6.00% age 0-74
3.50% age 75-90
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Palladium Century from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $1.2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | Available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Palladium Century 7
|
9.00%
Base Rate 2.00%
Additional premium will be accepted during the first contract year
Guarantee - 2% |
$5K NQ
$5K Q |
12%, 12, 11, 11, 10, 9, 8, 6, 4, 2 +/-MVA |
10% after year 1
|
5.00% age 0-74
3.00% age 75-80
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Palladium Century 7 from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | Available for annuitization after surrender period |
| Death Benefit: | Greater of Annuity Value or Surrender Value will be paid on death of the owner |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
American National
|
Citadel 7 Diamond
|
4.30%
Base Rate 2.30% guaranteed yr 2
Minimum additions $1,000 random or $100 ACH
Guarantee - 2% |
$5K NQ
$2K Q |
7%, 7, 7, 6, 5, 4, 2 |
10% Immediately
|
4.50% age 0-80
3.50% age 81-85
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Citadel 7 Diamond from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% Immediately |
| Annuitization: | surrender waived is annuitized after year 1 and annuitized for 5 years or longer |
| Death Benefit: | The annuity value minus any withdrawals |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | YES |
| Download the brochure |
|
American National
|
Citadel 5 Diamond
|
3.15%
Base 2.15% guaranteed yr 2
2% Guar Min |
$5K NQ
$5K Q |
7%, 7, 7, 6, 5 |
10% Immediately
|
4.00% age 0-80
3.00% age 81-85
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Citadel 5 Diamond from American National: |
| 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: | surrender waived is annuitized after year 1 and for 5 years or longer |
| Death Benefit: | The annuity value minus any withdrawals |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | YES |
| Download the brochure |
|
American National
|
Palladium Advisor
|
3.00% Year 1
Base Rate 2.00%
2% Guar Min
Pays .4% trail commission!!!!! |
$5K NQ
$5K Q |
7%, 7, 7, 6, 5, 4, 2 +/-MVA |
10% Available Immediately
|
3.00% age 0-79
1.00% age 80-90
|
About American National: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12102843 |
| Comments: | Established in 1905, American National has been a |
About Palladium Advisor from American National: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% Available Immediately |
| Annuitization: | Surrender waived after 5th contract year and annuitized for 5 years or longer |
| Death Benefit: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Surrender Window: | |
| Confinement: | Surrender fees waived while you are confined to a hospital, nursing home or hospice for 60 consecutive days or more. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving SmartRate 5
|
2.50% yr 1 - 5 >$100K
2.40% yr 1 - 5 >$50K
2.30% yr 1 - 5 <$50K
Minimum Guarantee:
2.00% Years 1 - 7
2.00% Years 8 - 19 |
$5K NQ
$2K Q |
7%, 7, 7, 6, 5, 4, 3 +/-MVA |
10% after yr 1
|
4.50% age 0-75
2.70% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving SmartRate 5 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the first contract year you can annuitize without surrender charges as long as you have a life contingency or 10 years. |
| Death Benefit: | Full annuity value without surrender charges |
| Surrender Window: | |
| Confinement: | 90 days after issue with 30 consecutive days in a nursing home surrender charges will be waived. |
| Return of Premium: | YES |
| Download the brochure |
|
Genworth
|
SecureLiving SmartRate 3
|
2.70% yr 1 - 3 >$100K
2.60% yr 1 - 3 >$50K
2.50% yr 1 - 3 <$50K
Base Rate 2.00%
Minimum Guarantee:
2.00% Years 1 - 7
2.00% Years 8 - 19 |
$5K NQ
$2K Q |
7%, 7, 7, 6, 5, 4, 3 +/-MVA |
10% after yr 1
|
4.50% age 0-75
2.70% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving SmartRate 3 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the first contract year you can annuitize without surrender charges as long as you have a life contingency or 10 years. |
| Death Benefit: | Full annuity value without surrender charges |
| Surrender Window: | |
| Confinement: | 90 days after issue with 30 consecutive days in a nursing home surrender charges will be waived. |
| Return of Premium: | YES |
| Download the brochure |
|
Genworth
|
SecureLiving SmartRate
|
4.00% yr 1 >$100K
3.50% yr 1 >$50K
3.00% yr 1 <$50K
Base Rate is 2.00%
Minimum Guarantee:
2.00% Years 1 - 7
2.00% Years 8 - 19 |
$5K NQ
$2K Q |
7%, 7, 7, 6, 5, 4, 3 +/-MVA |
10% after yr 1
|
4.50% age 0-75
2.70% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving SmartRate from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after yr 1 |
| Annuitization: | After the first contract year you can annuitize without surrender charges as long as you have a life contingency or 10 years. |
| Death Benefit: | Full annuity value without surrender charges |
| Surrender Window: | |
| Confinement: | 90 days after issue with 30 consecutive days in a nursing home surrender charges will be waived. |
| Return of Premium: | YES |
| Download the brochure |
|
Genworth
|
SecureLiving Independence
|
4.00% yr 1 >$100K
3.50% yr 1 <$100K
3.00% yr 1 <$50K
2.50% yr 2 >$100
2.50% yr 2 <$100K
2.50% yr 2 <$50K
Guaranteed minimum:
2.50% Years 3 - 6
2.00% Years 7 - 19 |
$5K NQ
$2K Q |
9%, 9, 8, 7, 6, 5 |
10% after year 1
|
4.00% age 0-75
1.95% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Independence from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | After the first contract year you can annuitize without surrender charges as long as you have a life contingency or 10 years. |
| Death Benefit: | Full annuity value without surrender charges |
| Surrender Window: | |
| Confinement: | 90 days after issue with 30 consecutive days in a nursing home surrender charges will be waived. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Stable 5
|
<50K 2.00%
<100K 2.15%
>100K 2.25%
2.00% Min. Guar. |
$5K NQ
$2K Q |
6%, 6, 6, 6, 3 |
10% after year 1
|
3.00% age 0-75
2.25% age 76-80
1.50% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Stable 5 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | After year one surrender charges waived with life contingent or at least 10 years |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | After the policy is 90 days old or older and the owners spends 30 or more days in a nursing home the surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
Secureliving Stable5 3 year
|
First Year Rate
<50K 2.05%
<100K 2.20%
>100K 2.30%
2.05% Base Rate Year 2 - 3
2.00% Min. Guar.
Bail out rate 2.05% |
$5K NQ
$2K Q |
6%, 6, 6, 6, 3, 0 |
10% after year 1
|
3.00% age 0-75
2.25% age 76-80
1.50% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About Secureliving Stable5 3 year from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | After year one surrender charges waived with life contingent or at least 10 years |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | After the policy is 90 days old or older and the owners spends 30 or more days in a nursing home the surrender charges are waived |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Liberty 5
|
<100K 2.80% First Yr
<250K 2.95% First Yr
>250K 3.05% First Yr
2.55% Base Rate
2.15% Bail Out Rate
2.00% Minimum |
$5K NQ
$2K Q |
9%, 9, 8, 7, 6, 5 |
10% immediately
|
3.00% age 0-75
1.95% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Liberty 5 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After first policy year without surrender charges |
| Death Benefit: | Contract value without surrender charge |
| Surrender Window: | |
| Confinement: | No surrender charges when funds are needed for extended hospital or nursing home stays of at least 30 days. Not available all states. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Liberty 3
|
<100K 3.05% First Yr
<250K 3.20% First Yr
>250K 3.30% First Yr
2.55% Base Rate
2.15% Bail Out Rate
2.00% Minimum Rate |
$5K NQ
$2K Q |
9%, 9, 8, 7, 6, 5 |
10% immediately
|
3.00% age 0-75
1.95% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Liberty 3 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After first policy year without surrender charges |
| Death Benefit: | Contract value without surrender charge |
| Surrender Window: | |
| Confinement: | No surrender charges when funds are needed for extended hospital or nursing home stays of at least 30 days. Not available all states. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving Liberty 1
|
<100K 4.05% First Yr
<250K 4.55% First Yr
>250K 5.05% First Yr
2.55% Base Rate
2.15% Bail Out Rate
2.00% Minimum Guarantee |
$5K NQ
$2K Q |
9%, 9, 8, 7, 6, 5 |
10% immediately
|
3.00% age 0-75
1.95% age 76-80
1.05% age 81-85
|
About Genworth: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A |
| Comdex: | 78 |
| Fitch: | A2 |
| Assets: | 15893602 |
| Comments: | Genworth is a global financial security company de |
About SecureLiving Liberty 1 from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immediately |
| Annuitization: | After first policy year without surrender charges |
| Death Benefit: | Contract value without surrender charge |
| Surrender Window: | |
| Confinement: | No surrender charges when funds are needed for extended hospital or nursing home stays of at least 30 days. Not available all states. |
| Return of Premium: | NO |
| Download the brochure |
|
Gleaner
|
Harvest 8
|
<250K 4.05%
>250K 4.30%
first yr
3.15% Base Rate
3.00% Minimum |
$10K NQ
$10K Q |
8%, 7, 6, 5, 4, 3, 2, 1 |
10% once annually
|
5.00% age 0-80
3.00% age 81-90
1.50% age 90-100
|
About Gleaner: |
About Harvest 8 from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 100 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% once annually |
| Annuitization: | at policy maturity date |
| Death Benefit: | full accumulated value |
| Surrender Window: | |
| Confinement: | after 90 days surrender chargers waived |
| Return of Premium: | NO |
| Download the brochure |
|
Gleaner
|
Harvest 6
|
<250K 3.85%
>250K 4.10%
First Year
3.05% Base Rate
3.00% Minimum |
$10K NQ
$10K Q |
6%, 5, 4, 3, 2, 1 |
10% once annually
|
3.00% age 0-80
1.50% age 81-90
0.75% age 91-100
|
About Gleaner: |
About Harvest 6 from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 100 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $500000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% once annually |
| Annuitization: | at policy maturity date |
| Death Benefit: | full account value |
| Surrender Window: | |
| Confinement: | after 90 days surrender chargers waived |
| Return of Premium: | NO |
| Download the brochure |
|
Lincoln Benefit Life
|
SureHorizon ll 3yr
|
<100k 2.05%
>100k 2.30%
<100k 1.05 Base Rate
>100k 1.30 Base Rate
1.05% Guarantee |
$10K NQ
$3K Q |
8%, 8, 7, 6, 5, 4 |
15% after 30 days
|
4.75% age 0-75
3.56% age 76-85
2.38% age 86-90
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 2683303 |
| Comments: | LBL has a long history of providing qualify annuit |
About SureHorizon ll 3yr from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $3K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% after 30 days |
| Annuitization: | |
| Death Benefit: | No surrender charges apply at death. The death benefit (prior to the payout start date) is equal to the contract value as of the date the death settlement is requested. |
| Surrender Window: | |
| Confinement: | 30 days after issue, If you should be confined to a long term care facility or hospital for 90 days or more; diagnosed with a terminal illness or become unemployed, at least one year after issue, funds can be withdrawn without penalty. Not approved in all |
| Return of Premium: | YES |
| Download the brochure |
|
Lincoln Benefit Life
|
Sure Horizon II
|
2.05% <$100K
2.30% >$100K
1.05% <100K Base Rate
1.30% >100k Base Rate
1.05% Guar Min |
$10K NQ
$3K Q |
8%, 8, 7, 6, 5, 4 |
15% after 30 days
|
4.75% age 0-75
3.56% age 76-85
2.38% age 86-90
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 2683303 |
| Comments: | LBL has a long history of providing qualify annuit |
About Sure Horizon II from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $3K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% after 30 days |
| Annuitization: | |
| Death Benefit: | No surrender charges apply at death. The death benefit (prior to the payout start date) is equal to the contract value as of the date the death settlement is requested. |
| Surrender Window: | |
| Confinement: | 30 days after issue, If you should be confined to a long term care facility or hospital for 90 days or more; diagnosed with a terminal illness or become unemployed, at least one year after issue, funds can be withdrawn without penalty. Not approved in all |
| Return of Premium: | YES |
| Download the brochure |
|
Lincoln Benefit Life
|
T-Link
|
Minimum Base Rate First 5 years is 1.05%
Participation Rate - 50%
Current rates yrs 2-5 linked to upside performance of US
5-Year Treasury Note.
Guarantee - 1.30% on 100% |
$5K NQ
$3K Q |
9%, 8, 8, 7, 6 |
10% of contract value
|
3.00% age 0-80
2.40% age 81-85
1.50% age 86-90
|
About Lincoln Benefit Life: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 2683303 |
| Comments: | LBL has a long history of providing qualify annuit |
About T-Link from Lincoln Benefit Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $3K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% of contract value |
| Annuitization: | |
| Death Benefit: | Full account value, less any applicabe premium tax, on the date of settlement |
| Surrender Window: | |
| Confinement: | 30 days after issue, If you should be confined to a long term care facility or hospital for at least 90 days or diagnosed with a terminal illness. After one year, If unemployed for 30 days or unable to preform 2 or 6 ADL's for 90 days, funds can be withd |
| Return of Premium: | N/A |
| Download the brochure |
|
North American
|
The Boomer
|
5% Premium Bonus first 5 years
3.00% First Year Rate Net Effective Yield 8.15%
3% Minimum Guarantee |
$25K NQ
$25K Q |
15%, 14, 13, 12, 11, 10, 8, 6, 4, 2 +/-MVA |
5% after year one
|
7.00% age 0-75
5.25% age 76-80
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 91 |
| Fitch: | - |
| Assets: | 884000 |
About The Boomer from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 5% after year one |
| Annuitization: | the following bonus is added to the Accumulation Value: 2% years 8 through 10; 5% years 11 and beyond |
| Death Benefit: | Full Accumulation value |
| Surrender Window: | |
| Confinement: | After first year if confined for 90 consecutive days the free withdrawal percentage is increased by 10% |
| Return of Premium: | NO |
| Download the brochure |
|
North American
|
NA Flex lll
|
10% Premium Bonus first 5 years
2.70% First Yr Rate
Net Effective Yield 12.97%
2.00% Minimum Guarantee |
$25K NQ
$25K Q |
18%, 18, 17, 15, 15, 15, 15, 14, 12, 10, 8, 6, 4, 2 +/-MVA |
10% after Year 1
|
4.50% age 0-75
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 91 |
| Fitch: | - |
| Assets: | 884000 |
About NA Flex lll from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after Year 1 |
| Annuitization: | Surrender charge free after year one |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | After the first contract year and confined for at least 90 days the penalty free percentage is increased by an additional 10% |
| Return of Premium: | YES |
| Download the brochure |
|
North American
|
NA Flex ll
|
5% Premium Bonus first 5 years
2.65% First YR Rate
Net Effective Yield 7.78%
2.00% Minimum Guarantee |
$25K NQ
$25K Q |
15%, 14, 13, 12, 11, 10, 8, 6, 4, 2 +/-MVA |
10% after Year 1
|
4.50% age 0-75
3.37% age 76-79
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 91 |
| Fitch: | - |
| Assets: | 884000 |
About NA Flex ll from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after Year 1 |
| Annuitization: | Surrender charge free after year one |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | After the first contract year and confined for at least 90 days the penalty free percentage is increased by an additional 10% |
| Return of Premium: | YES |
| Download the brochure |
|
North American
|
NA Flex l
|
2.35% First Year
2.00% Minimum Guarantee |
$25K NQ
$25K Q |
9%, 9, 8, 7, 6, 4, 2 +/-MVA |
10% after Year 1
|
4.50% age 0-75
3.37% age 76-80
2.50% age 81-85
|
About North American: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 91 |
| Fitch: | - |
| Assets: | 884000 |
About NA Flex l from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $25K |
| Min Premium Q: | $25K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after Year 1 |
| Annuitization: | Surrender charge free after year one |
| Death Benefit: | Full accumulation value |
| Surrender Window: | |
| Confinement: | After the first contract year and confined for at least 90 days the penalty free percentage is increased by an additional 10% |
| Return of Premium: | YES |
| Download the brochure |
|
The Standard
|
Flexible Premium Deferred
|
First year rate
4.00%
Base Rate
2.00%
Guaranteed min.
1.10% |
$0.6K NQ
$0.6K Q |
9%, 8, 7, 6, 5, 4, 3, 2, 1 |
10% after year 1
|
5.50% age 0-80
2.25% age 81-85
2.25% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 81 |
| Fitch: | A1 |
About Flexible Premium Deferred from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $0.6K |
| Min Premium Q: | $0.6K |
| 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 |
|
The Standard
|
Principal Growth 5
|
First Year Rate Guarantee
<100K 2.40%
>100K 2.50%
Base Rate
<100K 1.40%
>100K 1.50%
Bail Out 1% less than Base Rate
1.10% Min. Guar. |
$5K NQ
$5K Q |
8%, 7, 6, 4, 2 |
10% after year 1
|
5.00% age 0-80
2.50% age 81-85
1.75% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 81 |
| Fitch: | A1 |
About Principal Growth 5 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| 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 |
|
The Standard
|
Principal Growth 7
|
First Year Rate Guarantee
<100K 2.85%
>100K 2.95%
Base Rate
<100K 1.85%
>100K 1.95%
Bail Out 1% less than Base Rate
1.10% Min. Guar. |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 2 |
10% after year 1
|
5.00% age 0-80
2.50% age 81-85
1.75% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 81 |
| Fitch: | A1 |
About Principal Growth 7 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| 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 |
|
The Standard
|
Principal Growth 9
|
First Year Rate Guarantee
<100K 3.00%
>100K 3.10%
Base Rate
<100K 2.00%
>100K 2.10%
Bail Out 1% less than Base Rate
1.00% Min. Guar. |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3, 2, 1 |
10% after year 1
|
5.00% age 0-80
2.50% age 81-85
1.75% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 81 |
| Fitch: | A1 |
About Principal Growth 9 from The Standard: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| 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 |
|
The Standard
|
Secured Rate 1
|
First Year Guarantee Rate
<100K 2.90%
>100K 3.00%
Base Rate
<100K 1.90%
>100K 2.00%
Bail Out
1% under base rate years 2 - 5
2% year 6
1.00% Min Guar |
$15K NQ
$15K Q |
9%, 8, 7, 6, 5, 4 |
10% after year 1
|
4.00% age 0-80
2.25% age 81-85
1.85% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 81 |
| Fitch: | A1 |
About Secured Rate 1 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: | |
| 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 |
|
Trans America
|
Trans 6 Plus 1
|
<75K 3.00%
>75K 3.75%
Year 2 guaranteed rate 2.00%
Base Rate 2.00%
Guar. Min. 2% years 2 to 6
Guar. Min. 1.5% thereafter |
$5K NQ
$2K Q |
9%, 9, 8, 7, 6, 5 |
10% after year 1
|
4.00% age 0-75
2.50% age 76-85
1.50% age 86-90
|
About Trans America: |
| AM Best: | A + |
| Weiss: | B |
| S&P: | AA - |
| Comdex: | 90 |
| Fitch: | A1 |
| Assets: | 39640640 |
About Trans 6 Plus 1 from Trans America: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | After year one with 30 consecutive days of confinement |
| Death Benefit: | Full Account Value |
| Surrender Window: | |
| Confinement: | After year one with 30 consecutive days of confinement |
| Return of Premium: | NO |
| Download the brochure |
|
Trans America
|
Trans Flex
|
First year rate 1.50%
over 10K but under 25K add .15%
over 25K add .25%
Guar Min. 1.50% |
$0.6K NQ
$0.6K Q |
8%, 8, 7, 6, 5, 4, 3 |
10% after year 1
|
3.50% age 0-75
1.80% age 76-85
|
About Trans America: |
| AM Best: | A + |
| Weiss: | B |
| S&P: | AA - |
| Comdex: | 90 |
| Fitch: | A1 |
| Assets: | 39640640 |
About Trans Flex from Trans America: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $0.6K |
| Min Premium Q: | $0.6K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year 1 |
| Annuitization: | After 3rd policy year without surrender charges |
| Death Benefit: | Full Account Value |
| Surrender Window: | |
| Confinement: | after year 1 with 30 consecutive days of confinement |
| Return of Premium: | NO |
| Download the brochure |
|
United of Omaha
|
Bonus Flexible Annuity
|
First Year
3.30%
Base Rate
2.30%
$30 Annual Fee under 20,000 accumulated value
Guaranteed min. 2.00% |
$0.1K NQ
$0.1K Q |
8%, 8, 7, 6, 5, 4, 3, 2, 0 |
10% after year one
|
5.00% age 0-80
2.50% age 81-85
|
About United of Omaha: |
| AM Best: | A+ |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 4012021 |
| Comments: | Specializing in SPIA products, United of Omaha pro |
About Bonus Flexible Annuity from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $0.1K |
| Min Premium Q: | $0.1K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after year one |
| Annuitization: | Surrender free after year 2 |
| Death Benefit: | full accumulation value at death |
| Surrender Window: | |
| Confinement: | After 30 consecutive days hospitalized or confined to a nursing home for medically necessary reasons |
| Return of Premium: | N0 |
| Download the brochure |
|
West Coast
|
Secure Advantage 4
|
2.50% < 50k
2.75% > 50k
Additional premium during first policy year only $50 min.
Base Rate < 50k 2.00%
Base Rate > 50k 2.00%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.75% Minimum Guarantee |
$10K NQ
$10K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% immeditately
|
4.00% age 0-75
2.00% age 76-80
0.50% age 81-85
|
About West Coast: |
| AM Best: | A+ |
| Weiss: | C |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A2 |
| Assets: | 2752463 |
| Comments: | WCL realizes that planning for retirement is much |
About Secure Advantage 4 from West Coast: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% immeditately |
| Annuitization: | surrender charges do not apply to annuitization after year 1 |
| Death Benefit: | The beneficiary will receive the contract value without the application of surrender charges |
| Surrender Window: | |
| 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 |
|
West Coast
|
Secure Advantage 6
|
2.30% < 50k
2.50% > 50k
Additional premium during first policy year only $50 min
Base Rate < 50k 2.00%
Base Rate > 50k 2.00%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.75% Minimum Guarantee |
$10K NQ
$10K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% immeditately
|
4.00% age 0-75
2.00% age 76-80
0.50% age 81-85
|
About West Coast: |
| AM Best: | A+ |
| Weiss: | C |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A2 |
| Assets: | 2752463 |
| Comments: | WCL realizes that planning for retirement is much |
About Secure Advantage 6 from West Coast: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% immeditately |
| Annuitization: | surrender charges do not apply to annuitization after year 1 |
| Death Benefit: | The beneficiary will receive the contract value without the application of surrender charges |
| Surrender Window: | |
| 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 |
|
West Coast
|
Secure Advantage 2
|
3.00% < 50k
3.50% > 50k
Additional premium during first policy year only $50 min.
Base Rate < 50k 2.00%
Base Rate > 50k 2.00%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.75% Minimum Guarantee |
$10K NQ
$10K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% immeditately
|
4.00% age 0-75
2.00% age 76-80
0.50% age 81-85
|
About West Coast: |
| AM Best: | A+ |
| Weiss: | C |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A2 |
| Assets: | 2752463 |
| Comments: | WCL realizes that planning for retirement is much |
About Secure Advantage 2 from West Coast: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% immeditately |
| Annuitization: | surrender charges do not apply to annuitization after year 1 |
| Death Benefit: | The beneficiary will receive the contract value without the application of surrender charges |
| Surrender Window: | |
| 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 |
|
West Coast
|
Secure Advantage 1
|
4.00% < 50k
5.00% > 50k
Additional premium during first policy year only $50 min.
Base Rate <50k 2.00%
Base Rate >50k 2.00%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.75% Minimum Guarantee |
$10K NQ
$10K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% immeditately
|
4.00% age 0-75
2.00% age 76-80
0.50% age 81-85
|
About West Coast: |
| AM Best: | A+ |
| Weiss: | C |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A2 |
| Assets: | 2752463 |
| Comments: | WCL realizes that planning for retirement is much |
About Secure Advantage 1 from West Coast: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% immeditately |
| Annuitization: | surrender charges do not apply to annuitization after year 1 |
| Death Benefit: | The beneficiary will receive the contract value without the application of surrender charges |
| Surrender Window: | |
| 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 |
|
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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