| Company |
Product |
Interest Rate |
Min Premium |
Surrender Charges |
Free Withdrawal |
Commissions & Issue Ages |
American General
|
Horizon MYG
 |
5.05% yr 1
1.05% yrs 2-6
1% guar minimum |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3, 2, 1, 0 |
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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| 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: | FALSE |
| 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 TX
|
5.05% yr 1
1.05% yrs 2-6
1% guar minimum |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3 ,2, 1, 0 |
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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| 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: | FALSE |
| 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 DE,MN,MO,OH,OR,PA,SC,TX,WA
|
5.05% yr 1
1.05% yrs 2-6
1% guar minimum |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3, 2, 1, 0 |
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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Horizon MYG DE,MN,MO,OH,OR,PA,SC,TX,WA 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% 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
|
Ag HorizonMYG CA
|
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 |
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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About Ag HorizonMYG 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% 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: | 30 Days |
| 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
|
HorizonPlus 2004
|
7.00% guar 1st year
1.00% guar years 2-6
1% 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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| 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: | 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
|
AG HorizonPlus CA
|
8.00% guar 1st year
2.00% guar years 2-6
2% on 90% guar minimum |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3, 2, 1, 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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG HorizonPlus 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: | 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: | 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
|
AG Horizon flex CA
|
4.00% yr 1
2.00% base rate
2% guar minimum |
$5K NQ
$5K Q |
8%, 7, 6, 6, 5, 4, 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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| Comments: | American General has built their business around u |
About AG Horizon flex 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% 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 General
|
Horizon Flex
|
3.60% yr 1
1.60% base rate
1.5% guar minimum |
$5K NQ
$2K Q |
8%, 7, 6, 6, 5, 4, 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: | 81 |
| Fitch: | A2 |
| Assets: | 35614029 |
| 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
|
2.55%
Base Rate 1.55%
Additional premium will be accepted during the first contract year
Guarantee - 1% |
$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: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| 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
|
4.55%
Base Rate 1.55%
Additional premium will be accepted during the first contract year
Guarantee - 1% |
$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: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| 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
|
1.55%
Base Rate 1.55%
Additional premium cannot exceed total premium paid in first contract year
Guarantee - 1% |
$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: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| 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 5
|
6.55%
Base Rate 1.55%
Additional premium will be accepted during the first contract year
Guarantee - 1% |
$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: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| 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 7
|
8.55%
Base Rate 1.55%
Additional premium will be accepted during the first contract year
Guarantee - 1% |
$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: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| 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
|
3.25%
Base Rate 1.25% guaranteed yr 2
Minimum additions $1,000 random or $100 ACH
Guarantee - 1% |
$5K NQ
$2K Q |
7%, 7, 7, 6, 5, 4, 2 |
10% Immediately
|
3.50% age 0-80
2.50% age 81-85
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About 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
|
Palladium Advisor
|
2.25% Year 1
Base Rate 1.25%
1% 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: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| 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 |
|
American National
|
Citadel 5 Diamond
|
2.10%
Base 1.10% guaranteed yr 2
1% Guar Min |
$5K NQ
$5K Q |
7%, 7, 7, 6, 5 |
10% Immediately
|
3.00% age 0-80
2.00% age 81-85
|
About American National: |
| AM Best: | A |
| Weiss: | B |
| S&P: | A+ |
| Comdex: | 90 |
| Fitch: | - |
| Assets: | 12156457 |
| Comments: | Established in 1905, American National has been a |
About 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 |
|
Aviva Life & Annuity
|
Spirit Plus
|
2% Premium Bonus
1st & 2nd Year premium
Fixed
<75K - 1.00% effective yield 3.02%
>75k - 1.55% effective yield 3.58%
Min Guar 1% on 87.5% |
$5K NQ
$5K Q |
16%, 15, 14, 13, 12, 11, 10, 8, 6, 4, 0 +/-MVA |
10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year
|
6.50% age 0-75
4.50% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Spirit Plus from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value, Cash Surrender Value, or an death benefit provided by an optional rider |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Spirit Bonus
|
4% Premium Bonus
1st & 2nd Year premium
Fixed
<75K - 1.00% effective yield 5.04%
>75k - 1.60% effective yield 5.66%
Min Guar 1% on 87.5% |
$5K NQ
$5K Q |
12%, 12, 12, 11, 10, 9, 8, 7, 6, 4, 0 |
10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year
|
6.00% age 0-75
4.00% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Spirit Bonus from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value, Cash Surrender Value, or an death benefit provided by an optional rider |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Spirit Plus S CT,DE,MN,OR,WA
|
2% Premium Bonus
1st & 2nd Year premium
Fixed
<75K - 1.00% effective yield 3.02%
>75k - 1.25% effective yield 3.28%
Min Guar 1% on 87.5% |
$5K NQ
$5K Q |
10%, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 +/-MVA |
10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year
|
5.00% age 0-75
3.00% age 76-78
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Spirit Plus S CT,DE,MN,OR,WA from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 78 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value, Cash Surrender Value, or an death benefit provided by an optional rider |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Spirit 7
|
Fixed
<75K - 1.00%
>75k - 1.50%
Min Guar 1% on 87.5% |
$5K NQ
$5K Q |
9%, 8, 7, 6, 5, 4, 3, 0 +/-MVA |
10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year
|
3.00% age 0-75
1.75% age 76-80
1.75% age 81-81
|
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 Spirit 7 from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 81 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value, Cash Surrender Value, or an death benefit provided by an optional rider |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Spirit 5
|
Fixed
<75K - 1.00%
>75k - 1.50%
Min Guar 1% on 87.5% |
$5K NQ
$5K Q |
8%, 7, 6, 5, 4, 0 +/-MVA |
10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year
|
2.00% age 0-75
1.05% age 76-80
0.95% age 81-83
|
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 Spirit 5 from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 83 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value, Cash Surrender Value, or an death benefit provided by an optional rider |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Aviva Life & Annuity
|
Spirit 3
|
Fixed
<75K - 1.00%
>75k - 1.35%
Min Guar 1% on 87.5% |
$5K NQ
$5K Q |
6%, 5, 4, 0 +/-MVA |
10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year
|
0.25% age 0-75
0.25% age 76-80
|
About Aviva Life & Annuity: |
| AM Best: | A |
| Weiss: | C+ |
| S&P: | A+ |
| Comdex: | 86 |
| Fitch: | A1 |
| Assets: | 37608383 |
| Comments: | Serving U.S. customers for 113 years, Aviva is ded |
About Spirit 3 from Aviva Life & Annuity: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% of prior anniversary Accumulation value year 1
Up to 20% Free withdrawal is available in the current contract year if a withdrawal was not taken in the prior contract year |
| Annuitization: | no surrender charge yr 1 to 5 if payout of at least 8 yrs or longer, after year 5 any available option without charges |
| Death Benefit: | Greater of the accumulated Value, Cash Surrender Value, or an death benefit provided by an optional rider |
| Surrender Window: | |
| Confinement: | up to 100% of the greater of the accumlated Value or the minimum guaranteed contract value which if confined to convalescent care for at least consecutive days after polcy year 1. |
| Return of Premium: | NO |
| Download the brochure |
|
Genworth
|
SecureLiving SmartRate 5
|
2.10% yr 1 - 5 >$100K
1.90% yr 1 - 5 >$50K
1.55% yr 1 - 5 <$50K
Base Rate 1.50%
Minimum Guarantee:
1.50% Years 1 - 7
1.50% Years 8 - 19 |
$15K NQ
$15K 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: | 13265862 |
| 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: | $15K |
| Min Premium Q: | $15K |
| 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
|
2.80% yr 1 >$100K
2.05% yr 1 >$50K
1.80% yr 1 <$50K
Base Rate is 1.55%
Minimum Guarantee:
1.50% Years 1 - 7
1.50% Years 8 - 19 |
$15K NQ
$15K 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: | 13265862 |
| 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: | $15K |
| Min Premium Q: | $15K |
| 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
|
2.40% yr 1 - 3 >$100K
2.00% yr 1 - 3 >$50K
1.60% yr 1 - 3 <$50K
Base Rate 1.50%
Minimum Guarantee:
1.50% Years 1 - 7
1.50% Years 8 - 19 |
$15K NQ
$15K 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: | 13265862 |
| 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: | $15K |
| Min Premium Q: | $15K |
| 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 Liberty 5
|
<100K 1.95%
<250K 2.35%
>250K 2.50%
1.85% Base Rate
1.55% Bail Out Rate
1.50% Minimum |
$15K NQ
$15K 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: | 13265862 |
| 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: | $15K |
| Min Premium Q: | $15K |
| 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 3.05% First Yr
<250K 4.55% First Yr
>250K 4.80% First Yr
2.05% Base Rate
1.55% Bail Out Rate
1.50% Minimum Guarantee |
$15K NQ
$15K 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: | 13265862 |
| 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: | $15K |
| Min Premium Q: | $15K |
| 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 2.15% First Yr
<250K 2.75% First Yr
>250K 2.95% First Yr
1.85% Base Rate
1.55% Bail Out Rate
1.50% Minimum Rate |
$15K NQ
$15K 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: | 13265862 |
| 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: | $15K |
| Min Premium Q: | $15K |
| 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 Independence
|
3.55% yr 1 >$100K
3.05% yr 1 <$100K
2.55% yr 1 <$50K
2.05% yr 2 >$100
2.05% yr 2 <$100K
2.05% yr 2 <$50K
Guaranteed minimum:
2.00% Years 3 - 6
2.00% Years 7 - 19 |
$15K NQ
$15K Q |
9%, 9, 8, 7, 6, 5 |
10% after year 1
|
2.25% age 0-75
1.31% age 76-80
0.94% 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 Independence from Genworth: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $15K |
| Min Premium Q: | $15K |
| 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 |
|
Gleaner
|
Yield 10 FL,IL,IN,IA,OH,MO
|
>250k 3.10%
<250k 2.85%
Base Rate 2.35%
Min Guar 1.00% |
$5K NQ
$5K Q |
10%, 10, 9, 9, 8, 7, 6, 5, 4, 3 |
10% once annually
|
6.50% age 0-56
|
About Gleaner: |
| AM Best: | A- |
About Yield 10 FL,IL,IN,IA,OH,MO from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| 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
|
Yield 10 AZ,MI,NE,VA,KS,KY,TN
|
>250k 3.10%
<250k 2.85%
Base Rate 2.35%
Min Guar 1.00% |
$5K NQ
$5K Q |
10%, 10, 9, 9, 8, 7, 6, 5, 4, 3 |
10% once annually
|
6.50% age 0-75
|
About Gleaner: |
| AM Best: | A- |
About Yield 10 AZ,MI,NE,VA,KS,KY,TN from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $5K |
| Min Premium Q: | $5K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% once annually |
| Annuitization: | at policy maturity date |
| Death Benefit: | full accumulation value |
| Surrender Window: | |
| Confinement: | after 90 days surrender chargers waived |
| Return of Premium: | NO |
| Download the brochure |
|
Gleaner
|
Yield 8
|
>250k 2.50%
<250k 2.25%
Base Rate 2.00%
Min Guar 1.00% |
$0.3K NQ
$0.3K Q |
8%, 7, 6, 5, 4, 3, 2, 1 |
10% once annually
|
5.00% age 0-80
3.00% age 81-85
|
About Gleaner: |
| AM Best: | A- |
About Yield 8 from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $0.3K |
| Min Premium Q: | $0.3K |
| Max Premium: | $0 |
| 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
|
Yield 6
|
>250k 2.30%
<250k 2.05%
Base Rate 1.80%
Min Guar 1.00% |
$10K NQ
$10K Q |
6%, 5, 4, 3, 2, 1 |
10% once annually
|
3.00% age 0-80
1.50% age 81-90
|
About Gleaner: |
| AM Best: | A- |
About Yield 6 from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| 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
|
Yield 5
|
>250k 2.00%
<250k 1.75%
Base Rate 1.75%
Min Guar 1.00% |
$10K NQ
$10K Q |
8%, 7, 6, 5, 4 |
10% once annually
|
2.50% age 0-80
1.50% age 81-90
|
About Gleaner: |
| AM Best: | A- |
About Yield 5 from Gleaner: |
| Min Issue Age: | 0 |
| Max Issue Age: | 90 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| 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 |
|
Minnesota Life
|
Secure Option Extra
|
3.60% Year One
1.60% Years 2 & 3
Min Guar 1.50% |
$5K NQ
$5K Q |
9%, 9, 8, 7, 6, 5, 4, 3, 2, 1 +/-MVA |
10% first yr
|
4.00% age 0-80
1.50% 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 Extra 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: | |
| 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 flex
|
1.50% First Year
1.50% Min Guar |
$2K NQ
$2K Q |
9%, 9, 8, 7, 6, 5, 4, 3,2, 1, 0 |
10% prior year plus 10% of current years contributions
|
4.00% age 0-80
1.50% 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 flex from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $2K |
| Min Premium Q: | $2K |
| Max Premium: | $2000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% prior year plus 10% of current years contributions |
| Annuitization: | no internal surrender charge when moving to an annuity income option |
| Death Benefit: | full current accumulation value |
| Surrender Window: | |
| Confinement: | |
| Return of Premium: | NO |
| Download the brochure |
|
Minnesota Life
|
SecureOption Focus 5
|
<35K - 1.45%
<100K - 1.65%
>100K - 1.75%
1% min guarantee |
$10K NQ
$10K Q |
7%, 7, 7, 6, 5, 4, 3, |
10% immmeditately
|
3.00% age 0-80
2.00% age 81-88
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About SecureOption Focus 5 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 88 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immmeditately |
| Annuitization: | After first contract year |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | Full waiver of surrender on nursing home confinement after one year in product. 90 day confinement required. |
| Return of Premium: | YES |
| Download the brochure |
|
Minnesota Life
|
SecureOpton Focus 3
|
<35K - 1.50%
<100K - 1.70%
>100K - 1.80%
1% min guarantee |
$10K NQ
$10K Q |
7%, 7, 7, 6, 5, 4, 3, |
10% immmeditately
|
3.00% age 0-80
2.00% age 81-88
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About SecureOpton Focus 3 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 88 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immmeditately |
| Annuitization: | After first contract year |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | Full waiver of surrender on nursing home confinement after one year in product. 90 day confinement required. |
| Return of Premium: | YES |
| Download the brochure |
|
Minnesota Life
|
SecureOption Focus 1
|
<35K - 2.25%
<100K - 2.45%
>100K - 2.55%
1% First yr interest inhancement
1% min guarantee |
$10K NQ
$10K Q |
7%, 7, 7, 6, 5, 4, 3, |
10% immmeditately
|
3.00% age 0-80
2.00% age 81-88
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About SecureOption Focus 1 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 88 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immmeditately |
| Annuitization: | After first contract year |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | Full waiver of surrender on nursing home confinement after one year in product. 90 day confinement required. |
| Return of Premium: | YES |
| Download the brochure |
|
Minnesota Life
|
SecureOption Focus 7
|
<35K - 1.40%
<100K - 1.60%
>100K - 1.70%
1% min guarantee |
$10K NQ
$10K Q |
7%, 7, 7, 6, 5, 4, 3, |
10% immmeditately
|
3.00% age 0-80
2.00% age 81-88
|
About Minnesota Life: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 95 |
| Fitch: | Aa3 |
| Assets: | 10226296 |
About SecureOption Focus 7 from Minnesota Life: |
| Min Issue Age: | 0 |
| Max Issue Age: | 88 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $10K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% immmeditately |
| Annuitization: | After first contract year |
| Death Benefit: | contract value |
| Surrender Window: | |
| Confinement: | Full waiver of surrender on nursing home confinement after one year in product. 90 day confinement required. |
| Return of Premium: | YES |
| Download the brochure |
|
North American
|
The Boomer
|
5% Premium Bonus first 5 years
1.65% First Year Rate Net Effective Yield 6.73%
1% Minimum Guarantee |
$10K NQ
$2K 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: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About The Boomer from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 80 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| 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
1.85% First Yr Rate
Net Effective Yield 12.03%
1.00% Minimum Guarantee |
$10K NQ
$2K 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: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Flex lll from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 75 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after 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
1.80% First YR Rate
Net Effective Yield 6.89%
1.00% Minimum Guarantee |
$10K NQ
$2K 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: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Flex ll from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after 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
|
1.55% First Year
1.00% Minimum Guarantee |
$10K NQ
$2K 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: | 93 |
| Fitch: | - |
| Assets: | 8826138 |
About NA Flex l from North American: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $10K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | TRUE |
| Free Withdrawal: | 10% after Year 1 |
| Annuitization: | 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 |
|
Protective
|
ProSaver 6
|
1.35% < 50k
1.65% > 50k
Additional premium during first policy year only $50 min.
Base Rate < 50k 1.00%
Base Rate > 50k 1.05%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.00% Minimum Guarantee |
$2K NQ
$2K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% Year One
|
3.00% age 0-75
1.50% age 76-80
0.50% age 81-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About ProSaver 6 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $2K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% Year One |
| 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 |
|
Protective
|
ProSaver 4
|
1.50% < 50k
1.80% > 50k
Additional premium during first policy year only $50 min.
Base Rate < 50k 1.00%
Base Rate > 50k 1.05%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.00% Minimum Guarantee |
$2K NQ
$2K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% Year One
|
3.00% age 0-75
1.50% age 76-80
0.50% age 81-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About ProSaver 4 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $2K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% Year One |
| 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 |
|
Protective
|
ProSaver 1
|
3.00% < 50k
4.05% > 50k
Additional premium during first policy year only $50 min.
Base Rate < 50k 1.00%
Base Rate > 50k 1.05%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.00% Minimum Guarantee |
$2K NQ
$2K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% Year One
|
3.00% age 0-75
1.50% age 76-80
0.50% age 81-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About ProSaver 1 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 0 |
| Min Premium NQ: | $2K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% Year One |
| 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 |
|
Protective
|
ProSaver 2
|
2.00% < 50k
2.55% > 50k
Additional premium during first policy year only $50 min.
Base Rate < 50k 1.00%
Base Rate > 50k 1.05%
Bail Out if renewal rates are more than 50 basis points below initial base rate.
1.00% Minimum Guarantee |
$2K NQ
$2K Q |
8%, 8, 7, 6.5, 5.5, 4.5, 3 |
15% Year One
|
3.00% age 0-75
1.50% age 76-80
0.50% age 81-85
|
About Protective: |
| AM Best: | A+ |
| Weiss: | B |
| S&P: | AA- |
| Comdex: | 90 |
| Fitch: | A |
| Assets: | 1009105 |
About ProSaver 2 from Protective: |
| Min Issue Age: | 0 |
| Max Issue Age: | 85 |
| Min Premium NQ: | $2K |
| Min Premium Q: | $2K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 15% Year One |
| 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 |
|
The Standard
|
Flexible Premium Deferred
|
First year rate
1.00%
Base Rate
1.00%
Guaranteed min.
1.00% |
$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: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
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
|
Advantage Growth 7
|
<100K 3.40%
>100K 3.50%
2.00% First Year Interest Bonus
Additional premium accepted first 90 contract days
1.00% Minimum Guarantee |
$15K NQ
$15K Q |
7%, 6, 5, 4, 3, 2, 1, 0 +/-MVA |
Interest only year 1. 10% thereafter
|
4.50% age 0-80
2.25% age 81-85
1.75% age 86-90
|
About The Standard: |
| AM Best: | A |
| Weiss: | B+ |
| S&P: | AA- |
| Comdex: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
About Advantage 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 year 1. 10% thereafter |
| Annuitization: | At any time the annuity may be converted to a payout
annuity with The Standard. |
| Death Benefit: | Beginning immediately, upon the death of the owner
or annuitant, the full annuity value is payable as death
benefits to the named beneficiary. |
| Surrender Window: | |
| Confinement: | After the first contract year, if the owner becomes a
nursing-home resident for 30 or more consecutive days
or is diagnosed with a terminal condition, withdrawals
may be made.* |
| Return of Premium: | NO |
| Download the brochure |
|
The Standard
|
Secured Rate 1
|
First Year Guarantee Rate
<100K 2.00%
>100K 2.10%
Base Rate
<100K 1.00%
>100K 1.10%
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: | 88 |
| Fitch: | A1 |
| Assets: | 10058207 |
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 |
|
United of Omaha
|
Living Care LTC Annuity
|
2.25% First Year Rate
2.25% Minimum Guarantee |
$50K NQ
$0K Q |
Detail |
10% after yr one
|
5.00% age 40-75
3.00% age 76-79
|
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 Living Care LTC Annuity from United of Omaha: |
| Min Issue Age: | 40 |
| Max Issue Age: | 79 |
| Min Premium NQ: | $50K |
| Min Premium Q: | $0K |
| Max Premium: | $300000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% after yr one |
| Annuitization: | |
| Death Benefit: | |
| Surrender Window: | |
| Confinement: | |
| Return of Premium: | |
| Download the brochure |
|
United of Omaha
|
Bonus Flexible Annuity
|
First Year
< 20K 2.00%
>20K 2.25%
Base Rate
1.00%
Guaranteed min. 1.00% |
$0.1K NQ
$0.1K Q |
8%, 8, 7, 6, 5, 4, 3, 2, 0 |
10% Immediately
|
4.00% age 0-80
2.50% age 81-85
|
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 Bonus Flexible Annuity from United of Omaha: |
| Min Issue Age: | 0 |
| Max Issue Age: | 89 |
| Min Premium NQ: | $0.1K |
| Min Premium Q: | $0.1K |
| Max Premium: | $1000000 |
| MVA: | FALSE |
| Free Withdrawal: | 10% Immediately |
| 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 |
|
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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