| Carrier |
A.M. Best |
S&P |
Product |
Guaranteed |
Effective |
Surrender |
Minimum |
Penalty |
Issue |
Agent |
|
|
|
|
|
|
|
| |
|
|
|
Interest |
Annual Yield |
Charge |
Premium |
Free W/D |
Ages |
Comm. |
|
| American
Equity |
A- |
BBB+ |
Guarantee 5 |
3.65% for 5 Years |
3.65% |
9,8,7,6,5 |
$10,000
|
Annual withdrawal |
0-75 |
3.00% |
|
| DB: Full
Accum Value |
|
|
(MVA) |
*3.15%
for 5 Years |
|
|
|
of interest credited; |
76-80 |
2.00% |
|
| CB: Prorata
1st Yr. |
|
|
SPDA |
*CA, DE, MN, PA & WA only |
|
|
|
Syst. Withdrawal |
|
|
|
| |
|
|
|
30day lock-in from date recd |
|
|
|
of interest |
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
| AIG Annuity |
A |
A- |
HorizonMYG |
6.25% Year 1 |
2.91% |
10 Yr |
$5,000 |
10% incl. 1st yr. |
0-85 |
7.5% 0-75 |
|
| DB: Full
Accum Value |
|
|
(MVA) |
2.25% Yrs 2-6 |
|
10987654321 |
NQ; Q |
Syst. Withdrawal |
|
5% 76-80 |
|
| CB: None |
|
|
SPDA |
60 day lock-in from
app date |
|
TX: 987654321 |
|
of interest |
|
3% 81-85 |
|
|
|
|
| AIG Annuity |
A |
A- |
Horizon Plus |
8.25% Yr 1 |
3.25% |
9 Yr |
$5,000 |
10% incl. 1st yr. |
0-85 |
6% 0-75 |
|
| DB: Surr.
Value |
|
|
(MVA) |
2.25% Yrs 2-6 |
|
987654321 |
NQ; Q |
Syst. Withdrawal |
|
3.2% 76-80 |
|
| CB: None |
|
|
SPDA |
|
|
|
|
of interest |
|
1.35% 81-85 |
|
|
|
|
| AIG Annuity |
A |
A- |
HorizonChoice |
9 Yr: 3.35% |
3.50% |
7 Yr |
$5,000 NQ; |
10% after 1st yr. |
0-85 |
2.65% |
|
| DB: Full
Accum Value |
|
|
(MVA) |
10 Yr: 3.00% |
3.15% |
7654321 |
$2,000 Q |
Syst. Withdrawal |
|
5.00% |
|
| CB: None |
|
|
SPDA |
|
|
|
|
of interest |
|
|
|
| |
|
|
|
60 day lock-in from
app date |
|
After guarantee |
|
|
|
IN,MD reduced |
|
| |
|
|
|
|
|
period, 30-day |
|
|
|
|
|
| |
|
|
|
|
|
window to w/d |
|
|
|
|
|
|
|
|
|
|
| AIG Annuity |
A |
A- |
HorizonFlex |
4.50% Yr 1 |
2.75% |
8 Yr |
$5,000 NQ; |
10% incl. 1st yr. |
0-85 |
5% 0-75 |
|
| DB: Full
Accum. Value |
|
|
(MVA) |
2.50% Yrs 2-8;
declared |
|
88876531 |
$2,000 Q; |
Syst. Withdrawal |
|
4% 76-80 |
|
| CB: None |
|
|
FPDA |
60 day lock-in from
app date |
|
|
$50/mo EFT |
of interest |
|
3% 81-85 |
|
|
|
|
| AIG Annuity |
A |
A- |
HorizonSelect |
5 Yr: 2.50% |
2.50% |
10 Yr |
$5,000 |
10% incl. 1st yr. |
0-85 |
4% 0-80 |
|
| DB: Full
Accum. Value |
|
|
(MVA) |
7 Yr: 3.05% |
3.05% |
10987654321 |
NQ, Q |
Syst. Withdrawal |
|
3% 81-85 |
|
| CB: None |
|
|
SPDA |
10 Yr:3.25% |
3.25% |
|
|
of interest |
|
|
|
|
|
|
| Illinois Mutual |
A- |
|
Market Adjusted |
3.30% for 8 Years |
3.30% |
88765432 |
$5,000 |
10% after yr 1 |
0-80 |
4.50% |
|
| DB: Full
Accum Value |
|
|
Annuity* |
3.15% for 6 Years |
3.15% |
666654 |
$5,000 |
Interest only after |
0-80 |
3.50% |
|
| CB: 100% 1st
6 mos; |
|
|
SPDA (MVA) |
30 day lock-in from
transfer |
|
|
|
30 days |
|
|
|
| 50% 2nd 6 mos
unless |
|
|
*available only in |
request |
|
|
|
$50k minimum |
|
|
|
| kept with
Ill. Mutual |
|
|
CT,MD,OK,TX |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Illinois Mutual |
A- |
|
SelectAdvantage |
3.15% for 6 Years |
3.15% |
666654 |
$5,000 |
10% after yr 1 |
0-80 |
3.15% |
|
| DB: Full
Accum Value |
|
|
Annuity* |
3.20% for 7 Years |
3.20% |
8766544 |
$5,000 |
Interest only after |
0-80 |
3.50% |
|
| CB: 100% 1st
6 mos; |
|
|
SPDA (MVA) |
3.30% for 8 Years |
3.30% |
88765432 |
$5,000 |
30 days |
0-80 |
4.00% |
|
| 50% 2nd 6 mos
unless |
|
|
*NOT available in |
3.50% for 10 Years |
3.50% |
987654321.5 |
$5,000 |
$50k minimum |
0-80 |
4.50% |
|
| kept with
Ill. Mutual |
|
|
AK,CT,DC,HI,MA,MD |
30 day lock-in from
transfer |
|
|
|
|
0-80 |
5.00% |
|
| |
|
|
MN,MT,NJ,NY,OK,OR |
request |
|
|
|
|
|
|
|
| |
|
|
TX,UT,VT,WA |
|
|
|
|
|
|
|
|
|
|
|
| ING-USA |
A+ |
AA |
Guarantee Choice |
$15,000 Band |
|
|
$15,000 |
10% after yr 1 |
0-80 |
|
|
|
| DB: Full
Accum. Value |
|
|
Annuity |
3.50%1st Yr; 3.50%
Yrs 2-10 |
3.50% |
987654321 |
|
Interest only after |
|
1.25% 0-80 |
|
| CB: None |
|
|
SPDA |
2.50%1st Yr; 2.50%
Yrs 2-7 |
2.50% |
9876543 |
|
30 days |
|
0.50% 0-80 |
|
| |
|
|
(MVA) |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| |
*Not in NY |
$75,000 Band |
|
|
|
|
|
|
|
| |
|
|
|
4.50%1st Yr; 3.50%
Yrs 2-10 |
3.60% |
98765 |
|
|
|
|
|
| |
|
|
|
3.50%1st Yr; 2.50%
Yrs 2-7 |
2.64% |
9876543 |
|
|
|
|
|
| |
|
|
|
60 day lock-in from
date recd |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Integrity |
A+ |
AA+ |
New Momentum |
|
|
|
|
|
|
|
|
| DB: Full
Accum. Value |
|
|
2 Yr (MVA) |
2.75% Yr 1; 2.00% Yr
2 |
2.37% |
7 Yr |
$5000 NQ |
10% incl. 1st yr |
0-85 |
5% 0-79 |
|
| CB: 100% 1st
6 mos; |
|
|
3 Yr (MVA) |
2.75% Yr 1; 2.00% 2-3 |
2.25% |
8765432 |
$2000 Q |
Systematic |
|
3% 80-85 |
|
|
| none
thereafter |
|
|
5 Yr (MVA) |
2.75%Yr 1; 2.00% 2-5 |
2.00% |
|
|
w/d of interest |
|
|
|
| |
|
|
7 Yr (MVA) |
3.45% Yr 1; 2.70%
2-7 |
2.80% |
|
|
|
|
|
|
| |
|
|
10 Yr (MVA)* |
3.70% Yr 1; 2.95% 2-10 |
3.02% |
*reduced comm |
|
|
|
|
|
| |
|
|
FPDA |
30 day lockin from
transfer |
|
|
|
|
|
|
|
| |
|
|
|
request; get higher rate if |
|
|
|
|
|
|
|
| |
|
|
|
rate is higher when $
recd. |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Integrity |
A++ |
AA+ |
Momentum Advtg |
|
|
|
|
|
| DB: Full
Accum. Value |
|
|
4 Yr (MVA) |
2.75% Yr 1; 2.00% Yr 2-4 |
2.18% |
8877 |
$20,000 |
10% incl. 1st yr |
0-85 |
2% 0-79* |
|
| CB: 100% 1st
6 mos; |
|
|
5 Yr (MVA) |
3.05% Yr 1; 2.30%
2-5 |
2.45% |
88776 |
|
Systematic |
|
2.5% 0-79* |
|
| none
thereafter |
|
|
7 Yr (MVA) |
3.75% Yr 1; 3.10%
2-7 |
3.20% |
8877665 |
|
w/d of interest |
|
3% 0-79** |
|
| |
|
|
10 Yr (MVA) |
4.25% Yr 1; 3.50% 2-10 |
3.57% |
8877665544 |
|
|
|
3.5%0-79*** |
|
| |
|
|
SPDA |
30 day lock-in from
transfer |
|
|
|
|
|
*.50% 80-85 |
|
| |
|
|
|
request; get higher rate if |
|
|
|
|
|
**1% 80-85 |
|
| |
|
|
|
rate is higher when $
recd. |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
***1.5%80-85 |
|
|
| Lincoln Financial (JP) |
A+ |
AA- |
Classic 5 |
4.00% 1st Yr; 2.00% Yrs 2-5 |
2.40% |
5 Yr |
$10,000 |
10% incl. 1st yr |
0-85 |
4% 0-75 |
|
| DB: Full
Accum. Value |
|
|
SPDA |
$100k + |
|
98765 |
|
|
|
2.75% 76-80 |
|
| CB: 100% 1st
6 mos; |
|
|
(MVA) |
3.00% 1st Yr; 2.00% Yrs 2-5 |
2.20% |
|
|
|
|
1.5% 81-85 |
|
| 50% 2nd 6 mos |
|
|
|
$10,000-$99,999 |
|
|
|
|
|
|
|
|
| Lincoln Financial (JP) |
A+ |
AA- |
Classic 7 |
5.10% 1st Yr; 2.10% Yrs 2-7 |
2.52% |
7 Yr |
$10,000 |
10% incl. 1st yr |
0-85 |
5% 0-75 |
|
| DB: Full
Accum. Value |
|
|
SPDA |
$100k + |
|
9876543 |
|
|
|
3.5% 76-80 |
|
| CB: 100% 1st
6 mos; |
|
|
(MVA) |
4.10% 1st Yr; 2.10% Yrs 2-7 |
2.38% |
|
|
|
|
2% 81-85 |
|
| 50% 2nd 6 mos |
|
|
|
$10,000-$99,999 |
|
|
|
|
|
|
|
|
|
|
|
| Lincoln Financial (JP) |
A+ |
AA- |
MYGuarantee Plus |
|
|
|
|
|
|
|
|
| DB: Full
Accum. Value |
|
|
3 Yr (MVA) |
(< 100K)1.35%;
(≥ 100K) 1.50% |
1.35%; 1.50% |
776 |
$10,000
|
10% incl. 1st yr |
0-85 |
1% 0-75;0.65% 75-80;
0.5% 81-85 |
|
| CB: 100% 1st
6 mos; |
|
|
4 Yr (MVA) |
(< 100K)1.80%;
(≥ 100K) 1.95% |
1.80%; 1.95% |
7765 |
|
|
|
1% 0-75;0.65% 75-80;
0.5% 81-85 |
|
| 50% 2nd 6 mos |
|
|
5 Yr (MVA) |
(< 100K)2.55%; (≥ 100K) 2.70% |
2.55%; 2.70% |
77654 |
|
|
|
2% 0-75;1.3% 75-80;
0.75% 81-85 |
|
| |
|
|
6 Yr (MVA) |
(< 100K)2.70%;
(≥ 100K) 2.85% |
2.70%; 2.85% |
776543 |
|
|
|
2.25% 0-75;1.5%
75-80; 0.75% 81-85 |
|
| |
|
|
7 Yr (MVA) |
(< 100K)2.90%;
(≥ 100K) 3.05% |
2.90%; 3.05% |
7765432 |
|
|
|
2.5% 0-75;1.6% 75-80;
1% 81-85 |
|
| |
|
|
8 Yr (MVA) |
(< 100K)2.95%;
(≥ 100K) 3.10% |
2.95%; 3.10% |
7765432 |
|
|
|
2.5% 0-75;1.6% 75-80;
1% 81-85 |
|
| |
|
|
9 Yr (MVA) |
(< 100K)3.00%;
(≥ 100K) 3.15% |
3.00%; 3.15% |
7765432 |
|
|
|
2.5% 0-75;1.6%
75-80; 1% 81-85 |
|
| |
|
|
10 Yr (MVA) |
(< 100K)3.05%; (≥ 100K)
3.20% |
3.05%; 3.20% |
7765432 |
|
|
|
2.5% 0-75;1.6% 75-80; 1% 81-85 |
|
|
|
|
|
|
|
|
|
|
|
| Old Mutual |
A - |
n/r |
OMGuarantee-Platnum 5 |
3.25% 1st Yr. |
3.25% |
5 Yr |
$5,000 NQ |
Interest only |
0-90 |
2.50% 0-79 |
|
| Financial
Network |
|
|
SPDA |
3.25% Yrs 2-5 |
|
98765 |
$2000 Q |
after 30 days |
|
1.25% 80-90 |
|
| (Fidelity and
Guaranty) |
|
|
(MVA) |
60 day lock-in from
date recd |
|
|
|
|
|
|
|
| DB: Full
Accum Value |
|
|
|
|
|
|
|
|
|
|
|
| CB: 100% 1st
12 mos; |
|
|
|
|
|
|
|
|
|
|
|
| 50% 2nd 12
mos. |
|
|
|
|
|
|
|
|
|
|
|
| No CB on Death |
|
|
|
|
|
|
|
| Old Mutual |
A - |
n/r |
OMGuarantee-Plus |
|
|
7 Yr. |
$5,000 NQ |
Interest only |
0-90 |
|
|
| Financial
Network |
|
|
SPDA |
5 Yr: 4.05% Yr
1;3.05% 2-5 |
3.25% |
9876543211 |
$2,000 Q |
after 30 days |
|
3.0%* 0-79 |
|
| (Fidelity and
Guaranty) |
|
|
(MVA) |
7 Yr: 4.35% Yr 1;
3.35% 2-7 |
3.49% |
30 day window |
|
|
|
5.0%* 0-79 |
|
| DB: CSV |
|
|
|
60 day lock-in from
date recd |
|
at
end of |
|
|
|
3.5%* 0-79 |
|
| CB: 100% 1st
12 mos; |
|
|
|
|
|
Guarantee Prd. |
|
|
|
*reduced 50% |
|
| 50% 2nd 12
mos. |
|
|
|
|
|
|
|
|
|
80-90 |
|
| No CB on Death |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Old Mutual |
A - |
n/r |
OMGuarantee-Platinum 3 |
2.25% for 3 Years |
2.25% |
3 Yr |
$5,000 NQ |
Free withdrawal |
0-90 |
2.00% 0-79 |
|
| Financial
Network |
|
|
OMGuarantee-Plus 3 |
3 Yr: 2.95% Yr 1;
1.95% 2-3 |
2.28% |
987 |
$2000 Q |
of interest from |
|
1.00% 80-90 |
|
| (Fidelity and
Guaranty) |
|
|
SPDA |
60 day lock-in from
date recd |
|
|
|
day 1 |
|
|
|
| DB: FAV; CSV
Dex. 3+ |
|
|
(MVA) |
|
|
|
|
|
|
|
|
| CB: 100% 1st
12 mos; |
|
|
|
|
|
|
|
|
|
|
|
| 50% 2nd 12
mos. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Presidential Life |
B+ |
BB+ |
Secure 4 |
2.75% |
2.75% |
4 Yr |
$5,000 |
10% incl. 1st yr |
0-90 |
2% 0-80 |
|
| DB: Full
Accum. Value |
|
|
(non-MVA) |
4 Yr. Guar. |
|
7665 |
|
Interest only after |
|
1% 81-85 |
|
| CB: 100% 1st
6 mos; |
|
|
SPDA |
|
|
|
|
30 days |
|
.67% 86-90 |
|
| 50% 2nd 6 mos |
|
|
|
|
|
|
|
|
|
|
|
|
| Presidential Life |
B+ |
BB+ |
Secure 5 |
2.90% |
2.90% |
5 Yr |
$5,000 |
10% incl. 1st yr |
0-90 |
2.0% 0-80 |
|
| DB: Full
Accum. Value |
|
|
(non-MVA) |
5 Yr. Guar. |
|
77664 |
|
Interest only after |
|
1.25% 81-85 |
|
| CB: 100% 1st
6 mos; |
|
|
SPDA |
|
|
|
|
30 days |
|
.67% 86-90 |
|
| 50% 2nd 6 mos |
|
|
|
|
|
|
|
|
|
|
|
|
| Presidential Life |
B+ |
BB+ |
Secure 6 |
2.80% |
2.80% |
6 Yr |
$5,000 |
10% incl. 1st yr |
0-90 |
3% 0-80 |
|
| DB: Full
Accum. Value |
|
|
(non-MVA) |
6 Yr. Guar. |
|
777654 |
|
Interest only after |
|
1.5% 81-85 |
|
| CB: 100% 1st
6 mos; |
|
|
SPDA |
|
|
|
|
30 days |
|
.67% 86-90 |
|
| 50% 2nd 6 mos |
|
|
|
|
|
|
|
|
|
|
|
|
|
$10,000 |
|
| Reliance Standard |
A |
A |
Elektra 579 |
3.00% Yr 1; 3.00% 2-5 |
3.00% |
77654 |
|
10% incl. 1st yr |
0-85 |
|
|
| DB: Full
Accum. Value |
|
|
5 Yr (MVA) |
|
|
|
|
Systematic |
|
3% 0-75 |
|
| CB: 100% 1st
6 mos; |
|
|
|
45 day lock-in from
date recd |
|
|
|
w/d of interest |
|
|
|
| 50% 2nd 6 mos |
|
|
SPDA |
|
|
|
|
|
|
Stepped-Up Bonus Option |
|
|
|
|
| Sun Life Keyport |
A++ |
AA+ |
Keyport Value |
<$50k: 2.00%, inc.
each yr |
2.20% |
76543 |
$5,000 |
|
|
|
|
| DB: Full
Accum. Value |
|
|
5 Yr (MVA) |
$50k+: 2.15%, inc.
each yr |
2.35% |
76543 |
$5,000 |
10% incl. 1st yr |
0-80 |
3.5% 0-80 |
|
| CB: 100% 1st
6 mos; |
|
|
FPDA |
<$50k: 2.40%, inc.
each yr |
2.65% |
765432 |
$5,000 |
10% incl. 1st yr |
81-90 |
1.00% 81-90 |
|
| 50% 2nd 6 mos |
|
|
6 Yr (MVA) |
$50k+: 2.55%, inc
each yr |
2.80% |
765432 |
$5,000 |
10% incl. 1st yr |
0-80 |
3.00% 0-80 |
|
| |
|
|
FPDA |
<$50k: 2.90%, inc
each yr |
3.20% |
7654321 |
$5,000 |
10% incl. 1st yr |
81-85 |
0.75% 81-85 |
|
| |
|
|
7 Yr (MVA) |
$50k+: 3.05%, inc
each yr |
3.35% |
7654321 |
$5,000 |
10% incl. 1st yr |
0-80 |
3% 0-80 |
|
| |
|
|
FPDA |
|
|
|
|
10% incl. 1st yr |
81-85 |
0.75% 81-85 |
|
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