Excel Format
-
Upload
saad-qureshi -
Category
Documents
-
view
65 -
download
0
description
Transcript of Excel Format
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity Waivers
2/7/2012 SPDA None Yes 0-85 $25,000
8/1/2013 None SPDA Guarantee 5 None 2.60% Yes 0-80
8/1/2013 None SPDA Guarantee 7 None 3.00% Yes 0-80
American General 8/12/2013 SPDA 4.00% 2.72% 1.00% Yes 0-85 $5,000
American General 8/12/2013 SPDA 3.00% 2.60% 1.00% Yes 0-85 $5,000
American General 8/12/2013 SPDA None N/A 1.00% Yes 0-85 $5,000
American General 8/12/2013 SPDA None N/A 1.00% No 0-85 $5,000
American General 8/12/2013 FPDA 2.40% 1.00% No 0-85
American General 8/12/2013 SPDA 2.05% years 1-6 None 1.95% 1.00% Yes 0-85
Effective Date
SPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
AllianzLife
45 days from date app is received in
home office
Dominator Plus5 & 7 year terms
5 Year Term:3.00% 0-752.00% 76-801.00% 81-85
10 Year Term:4.00% 0-753.00% 76-802.00% 81-85
5-year term:1.50% $100,000-1.50% $100,000+
10-year term:1.90% $100,000-2.00% $100,000+
5-year term:$100,000-
1.50%$100,000+
1.50%
10-year term:$100,000-
1.90%
$100,000+2.00%
90% of premium @ 3%
Guar rate will never fall below 1.5%
while contract is in deferral
10% beginning in the first year of total premiums
paid.
5 or 10 years9, 8.1, 7.2, 6.3,5.4, 4.5, 3.6,
2.7, 1.8, 0.9
*On 5-year term:30-day window after 5th year to withdraw funds
without penalty or MVA.
RMDs can be taken free of charge if taken annually in December, or monthly throughout the year.
Full accumulation value is available immediately as
a lump sum or via a payout over 5 yrs
Loan Provision(Up to 50% of contract's cash surrender value ($50,000 max).
Nursing Home (owner)(Can take accelerated distribution of the contracts accumulation value through payments over a period as short as 5 years.)
Income Plus BenefitAge 60 - 91Up to 10 years, DB is increased by greater of AV or Treasury Benchmark Rate
Full account value available for Annuitization after one year if taken over 10+ years.
Optional rider allows you to take the full account value over less than 10 years.
RMD qualify as free withdraws, if taken annually lump in Dec.or monthly through year.
Call us for details.
100% chargeback on surrenders in first 6 months, 50% in second six policy months
AmericanEquity
3.00% to 752.00% 76-80
2.60% for 5 years
2.10% in CA,DE,MN,PA,WA
2% after 5th year
$10,000
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
maximum
Interest withdrawals or RMD allowed in the first
year if taken systematically.
After first year, there is a 30-day window at the end of the year to remove the
prior year's interest without penalty.
5 years9,8,7,6,5
No surrender charges 30-day PRIOR to the end of the guarantee period for funds to be moved or
surrendered.
Full account value at death of owner or
annuitant
Nursing Home Rider
Available for annuitants thru age 74. Allows penalty-free w/d of 20% of contract value after 90-day confinement. Confinement must start after first contract anniversary.
Contract Valueoption A: life payout 5-25 yrs.
Option B: period certain (must be double remaining on it surrender charge period).
Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.
AmericanEquity
2.50% to 751.50% 76-80
3.00% for 7 years
2.50% in CA,DE,MN,PA, WA
2% after 7th year
$10,000
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
maximum
Interest withdrawals allowed in the first year if
taken systematically.
After first year, there is a 30-day window at the end of the year to remove the
prior year's interest without penalty.
7 years9,8,7,6,5,4,3
No surrender charges 30-day PRIOR to the end of the guarantee period for funds to be moved or
surrendered.
Full account value at death of owner or
annuitant
Nursing Home Rider
Available for annuitants thru age 74. Allows penalty-free w/d of 20% of contract value after 90-day confinement. Confinement must start after first contract anniversary.
Contract Valueoption A: life payout 5-25 yrs.
Option B: period certain (must be double remaining on it surrender charge period).
Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.
90 days from application signed
date
Horizon Plus SPDA
(Form #04362)
2.75% to 751.70% 76-801.20% 81-85
6.05% first year2.05% base rate
not available in following states: AK, MN, MO,
NY, OH, NJ,OR,PA,UT,WA.
10% each yearincluding the first
GMW (87.5%@1.%)
9 years9,8,7,6,5,4,3,2,1
Withdraw Value without MVA if lump sum
Surrender value at death of owner
(full account value if annuitized for 5+ years.)
Nursing Home
(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)
Annuitize after 5th year for at least 60 months using full account value
100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.
No chargeback at death
90 days from application signed
date
Horizon MYG(Form #04370)
4.00% to 752.20% 76-801.70% 81-85
5.10% first year2.10% years 2-6
Not Available inAK,NJ,NY,UT
10% each yearincluding the first
GMW (87.5%@1%)
10 years10,9,8,7,6,5,4,3,2,1
SC Modified Charges:9,8,7,6,5,4,3,2,1
Full Account Value at death of owner
Nursing Home
(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)
Annuitize after 5th year for at least 60 months using full account value
100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.
No chargeback at death
90 days from application signed
date
Horizon Select(Form #05377)
5 year:2.20% 0-801.70% 81-85
7&10 year:3.50% 0-802.50% 81-85
5 years: 2.05%7 years: 2.25%10 years: 2.85%
10 yr not availabe in SC Call our office for
details.
10% each yearincluding the first
GMW (87.5%@1%)
5, 7 or 10 years10,9,8,7,6,5,4,3,2,1
Free out at end of initial guarantee periodSC Modified Charges:
9,8,7,6,5,4,3,2,1
Full Account Value at death of owner
Nursing Home
(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)
Annuitize after 5th year for at least 60 months using full account value
100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.
No chargeback at death
90 days from application signed
date
Horizon Secure(Form #05376)
5 year:1.70% 0-801.20% 81-85
7 year: 3.00% 0-802.20% 81-85
5 years: 1.90%7 years: 2.30%
Not Availabe inAK,CA,NY,UT
10% each yearincluding the first
GMW (87.5%@1.%)
5 or 7 years10,9,8,7,6,5,4,3,2,1
Free out at end of initial guarantee period
Full Account Value at death of owner
Nursing Home
(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)
Annuitize after 5th year for at least 60 months using full account value
100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.
No chargeback at death
90 days from application signed
date
Horizon Flex(Form #04371)
2.20% to 751.70% 76-801.20% 81-85
Commission for premiums in yrs 2-5:
1.20% ages 0-801.20% ages 81-85
Subsequent commissions based on attained age at
time premium is paid.
4.15% first year2.15% base rate
2% on all first year premiums.
$5,000+EFT min.
$100/month(optional)
<$5,000EFT min.
$300/month(required)
$2,000 min. non-EFT additional
deposit
10% each yearincluding the first
8 years8,8,8,7,6,5,3,1
Contract Surrender Charges - No rolling surrender charges.
SC Modified Charges:8,7,6,6,5,4,3,1
Full Account Value at death of owner
Nursing Home
(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)
Annuitize after 5th year for at least 60 months using full account value
100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.
No chargeback at death
90 days from application signed
date
Horizon Achiever (Form#05377)
3.00% to 802.00% 81-85 $5,000
NQ or Q
10% each yearincluding the first
GMW (87.5%@1%)
10 years10,9,8,7,6,5,4,3,2,1
30 Day Window after 6 years to withdraw funds without charge or MVA
SC Modified Charges:9,8,7,6,5,4,3,2,1
Full Account Value at death of owner
Nursing Home
(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)
Annuitize after 5th year for at least 60 months using full account value
100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.
No chargeback at death
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
American National 8/1/2013 FPDA 1.70% None N/A 1.00% Yes 0-90
American National 8/1/2013 SPDA 2.70% first year 1.00% N/A 1.00% Yes 0-90
American National 8/1/2013 SPDA 3.00% N/A 1.00% Yes 0-85
American National 8/1/2013 SPDA 6.70% first year 5.00% N/A 1.00% Yes 0-80
American National 8/1/2013 SPDA 8.70% first year 7.00% N/A 1.00% Yes 0-80
American National 8/1/2013 SPDA None 1.00% Yes 0-85
American National 8/1/2013 SPDA None 1.00% Yes 0-85
American National 8/1/2013 SPDA None 1.00% Yes 0-85
American National 8/1/2013 SPDA None 1.00% Yes 0-85
60 days from app signed date
Palladium CenturyFPDA
5.00% 0-742.50% 75-90
$5,000 NQ$100 Q
$100 monthly EFT minimum afterwards
Additional premiums accepted in first 7
years
$1MM maximum
10% per year including first year
7 years9,8,7,6,5,4,2
Contract Surrender Charges - No rolling surrender charges.
Full Account Value at death of owner
Nursing HomeDisability(owner)
Annuitization before the annuity maturity date is not allowed under any circumstances.
*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.
60 days from app signed date
PalladiumCentury 1
7.00% 0-744.50% 75-90
**$5,000 NQ$4,000 Q
Additional premiums accepted in the first contract year only
$1MM maximum
10% per year including first year
10 years10,9,8,7,6,5,4,3,2,1
Full Account Value at death of owner
Nursing HomeDisability(owner)
Annuitization before the annuity maturity date is not allowed under any circumstances.
*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.
60 days from app signed date
PalladiumCentury 3
6.00% 0-743.50% 75-85
4.70% first year
**$5,000 NQ$4,000 Q
Additional premiums accepted in the first contract year only
$1MM maximum
10% per year including first year
10 years11,10,9,8,7,
6,5,4,3,2
Full Account Value at death of owner
Nursing HomeDisability(owner)
Annuitization before the annuity maturity date is not allowed under any circumstances.
*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.
60 days from app signed date
PalladiumCentury 5
5.00% 0-742.50% 75-80
**$5,000 NQ$4,000 Q
Additional premiums accepted in the first contract year only
$1MM maximum
10% per year including first year
10 years12,12,11,10,9,8,6,4,3,2
Full Account Value at death of owner
Nursing HomeDisability(owner)
Annuitization before the annuity maturity date is not allowed under any circumstances.
*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.
60 days from app signed date
PalladiumCentury 7
4.00% 0-742.00% 75-80
**$5,000 NQ$4,000 Q
Additional premiums accepted in the first contract year only
$1MM maximum
10% per year including first year
10 years12,12,11,11,10,9,8,6,4,2
Full Account Value at death of owner
Nursing HomeDisability(owner)
Annuitization before the annuity maturity date is not allowed under any circumstances.
*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.
60 days from app signed date
PalladiumMYG 5SPDA
5 year term:2.50% to 790.05% 80-85
$100,000+2.50% 1st year
1.50% years 2-5<$100,000
2.40% 1st year1.40% years 2-5
$100,000+1.60%
<$100,0001.50%
$5,000NQ or Q
$1MM maximum
Interest after 30 days, and 10% after first year
10 years8,8,8,7,6,5,4,3,2,1
30-day window after initial guarantee period to surrender without penalty.
(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the
initial 10-year term with surrender charges and MVA through the 10th year.)
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
60 days from app signed date
PalladiumMYG 6SPDA
6 year term:2.50% to 79.50% 80-85
$100,000+1.90% for 6 years
<$100,0001.80% for 6 years
$100,000+1.90%
<$100,0001.80%
$5,000NQ or Q
$1MM maximum
Interest after 30 days, and 10% after first year
10 years8,8,8,7,6,5,4,3,2,1
30-day window after initial guarantee period to surrender without penalty.
(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the
initial 10-year term with surrender charges and MVA through the 10th year.)
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
60 days from app signed date
PalladiumMYG 7SPDA
7 year term:2.50% to 79.50% 80-85
$100,000+3.50% first year2.50% years 2-7
<$100,0003.40% first year2.40% years 2-7
$100,000+2.64%
<$100,0002.54%
$5,000NQ or Q
$1MM maximum
Interest after 30 days, and 10% after first year
10 years8,8,8,7,6,5,4,3,2,1
30-day window after initial guarantee period to surrender without penalty.
(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the
initial 10-year term with surrender charges and MVA through the 10th year.)
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
60 days from app signed date
PalladiumMYG 8SPDA
8 year term:2.50% to 790.05% 80-85
$100,000+2.70% 8 years
<$100,0002.60% 8 years
$100,000+2.70%
<$100,0002.60%
$5,000NQ or Q
$1MM maximum
Interest after 30 days, and 10% after first year
10 years8,8,8,7,6,5,4,3,2,1
30-day window after initial guarantee period to surrender without penalty.
(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the
initial 10-year term with surrender charges and MVA through the 10th year.)
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
American National 8/1/2013 SPDA None 1.00% Yes 0-85
American National 8/1/2013 SPDA None 1.00% Yes 0-85
American National 8/1/2013 N/A N/A 1.00% No 0-85
American National 8/1/2013 FPDA N/A 1.00% No 0-85
7/30/2013 SPDA None N/A 1.00% Yes* 0-80
6/28/2013 SPDA None N/A 1.00% Yes* 0-80
F&G Life 8/1/2013 SPDA FG Guarantee Plus 1.00% 1.00% Yes 0-90 None
60 days from app signed date
PalladiumMYG 9SPDA
9 year term3.00% to 791.00% 80-85
$100,000+4.50% first year2.50% years 2-9
<$100,0004.40% first year2.40% years 2-9
$100,000+2.72%
<$100,0002.62%
$5,000NQ or Q
$1MM maximum
Interest after 30 days, and 10% after first year
10 years8,8,8,7,6,5,4,3,2,1
30-day window after initial guarantee period to surrender without penalty.
(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the
initial 10-year term with surrender charges and MVA through the 10th year.)
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
60 days from app signed date
PalladiumMYG 10SPDA
10 year term4.00% to 792.00% 80-85
$100,000+3.60% first year
2.60% years 2-10<$100,000
3.50% first year2.50% years 2-10
$100,000+2.70%
<$100,0002.60%
$5,000NQ or Q
$1MM maximum
Interest after 30 days, and 10% after first year
10 years8,8,8,7,6,5,4,3,2,1
30-day window after initial guarantee period to surrender without penalty.
(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the
initial 10-year term with surrender charges and MVA through the 10th year.)
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
60 days from app signed date
SPDAAdditional premiums
accepted in first year only
WealthQuest Citadel 5 Diamond
3.00% to 802.00% 81-85
$100,000+1.40% first year1.40% 2nd year
<$100,0001.30% first year1.30% 2nd year
$5,000 NQ or Q
$1MM maximum
10% beginning in the first year
5 years7,7,7,6,5
Contract Surrender Charges - No rolling surrender charges.
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Can annuitize the full contract value at the end of the first contract year without surrender penalties if annuitized for at least 10 years.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
60 days from app signed date
WealthQuest Citadel 7 Diamond
3.50% to 802.50% 81-85
$100,000+2.40% first year1.40% 2nd year
<$100,0002.30% first year1.30% 2nd year
1% on all premiums for 3
years
$5,000 NQ $2,000 Q
$1,000 minimum additional
premiums, or $100 ACH
10% beginning in the first year
7 years7,7,7,6,5,4,2
Contract Surrender Charges - No rolling surrender charges.
Full account value at death of owner
Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)
Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)
Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)
Can annuitize the full contract value at the end of the first contract year without surrender penalties if annuitized for at least 10 years.
100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.
AtheneAnnuity
60 days from app signed date
MaxRate 5SPDA
2.25% to 751.50% 76-80
Renewal Commission:1.13% to 750.75% 76-80
2.85%(2.75% in FL)
2.65% with enhanced liquidity package
(2.55% in FL)
$5,000
5 additional deposits of at least $500 allowed in the
first 6 months
$1,000,000maximum
10% each year after first only when purchasing the
enhanced liquidity package
5 years9,8,7,6,5
Full Account Value at death of owner
ENHANCED LIQUIDITY PACKAGE
10% each year after first
SEPP
Confinement1-year wait, 90 day confinement
RMD
Terminal Illness1-year wait
Cash surrender value except for the 30 day window after initial rate guarantee period
100% chargeback for full surrender, partial withdrawal, or death during the first six monthsand 50% in months 7-12. 100% Charge back for Annuitization for 24 months.
AtheneAnnuity
60 days from app signed date
MaxRate 7SPDA
2.50% to 751.70% 76-80
Renewal Commission:1.25% to 750.85% 76-80
3.25% (3.15% in FL)
3.00% with enhanced liquidity package
(2.90% in FL)
$5,000NQ or Q
5 additional deposits of at least $500 allowed in the
first 6 months
$1,000,000maximum
10% each year after first only when purchasing the
enhanced liquidity package
7 years9,8,7,6,5,4,3
Full Account Value at death of owner
ENHANCED LIQUIDITY PACKAGE
10% each year after first
SEPP
Confinement1-year wait, 90 day confinement
RMD
Terminal Illness1-year wait
Cash surrender value except for the 30 day window after initial rate guarantee period
100% chargeback for full surrender, partial withdrawal, or death during the first six monthsand 50% in months 7-12. 100% Charge back for Annuitization for 24 months.
60 days from date app received
5-year term:2.50% to 791.25% 80-90
7-year term:3.25% to 79
1.625% 80-90
5-year term:3.00% first year2.00% years 2-5
7-year term:3.50% first year2.50% years 2-7
5 years:2.20%
7 years:2.64%
$5,000 NQ$2,000 Q
Cumulative interest, beginning in 30 days
5-year term*9,8,7,6,5
7-year term9,8,7,6,5,4,3**
*In NC, surrender charges do not renew after 5th year. In other states, there's a 30-day window to
withdraw funds without penalty. Otherwise, annuity renews for another 5 years with identical surrender
charges.
** 30-day window after 7th year. Or, auto-renewal into new 7 year surrender period with same
surrender charges as shown above.
Surrender value at death of owner
Annuitization available at any time
(Please check commission chargeback provisions.)
No chargeback of commission at death.
100% chargeback for surrenders in first 12 months,50% in months13-24.
Commission adjustment to SPIA commission for Annuitization of a deferred contract in the first 12 months.
(.50% reduction in commission when the total premium for any client in the same year exceeds $600,000, retroactive to the first dollar of commission.)
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
F&G Life 8/1/2013 SPDA None 1.00% Yes 0-90
F&G Life 8/1/2013 SPDA 1.20% for 3 years None 1.20% 1.00% Yes 0-90
7/22/2013 SPDA Secure Income 125 None 1.00% No 0-85
Genworth 7/31/2013 SPDA SecureLiving Liberty None 1.00% No 0-85
Genworth 7/31/2013 SPDA N/A No 0-85
Genworth 7/31/2013 SPDA
None N/A
1.00% No 0-85
No chargeback of commission at death.
100% chargeback for surrenders in first 12 months,50% in months13-24.
Commission adjustment to SPIA commission for Annuitization of a deferred contract in the first 12 months.
(.50% reduction in commission when the total premium for any client in the same year exceeds $600,000, retroactive to the first dollar of commission.)
60 days from date app received
FG Guarantee Platinum
5-year term:2.50% to 791.25% 80-90
7-year term:3.25% to 79
1.625% 80-90
5-year term:2.10% for 5 years
(1.95% in NC)
7-year term:2.60% for 7 years
5 years:2.10%
(1.95% in NC)
7 years:2.60%
$5,000 NQ$2,000 Q
Cumulative interest, beginning in 30 days
5-year term*9,8,7,6,5
7-year term9,8,7,6,5,4,3**
*In NC, surrender charges do not renew after 5th year. In other states, there's a 30-day window to
withdraw funds without penalty. Otherwise, annuity renews for another 5 years with identical surrender
charges.
** 30-day window after 7th year. Or, auto-renewal into new 7 year surrender period with same
surrender charges as shown above.
Full account value at death of owner
Nursing Home
TerminalIllness
Unemployment
Annuitization available at any time
(Please check commission chargeback provisions.)
60 days from date app received
FG Guarantee Platinum 3
1.50% to 790.75% 80-90
$5,000 NQ$2,000 Q
Cumulative interest, beginning in 30 days
3 years9,8,7
30-day window following initial guarantee period to withdraw funds without penalty. Otherwise,
surrender charges renew and start over at 9%.
Full account value at death of owner
Nursing Home
TerminalIllness
Unemployment
Annuitization available at any time
(Please check commission chargeback provisions.)
ForethoughtLife
45 days from app signed date
7.00% to 755.00% 76-85
Commissions are reduced by 1.00% in the
states of AK, CT, DE, MN, OR, SC, TX and UT.
$250K+1.25% first year
$100K - $249K1.25% first year
$25K - $99K1.25% first year
(1.00% min.)
N/A*No market value adjustment to the
surrender charge in a rising rate
environment
$25,000
Maximum:$1,000,000
0-75; $500K 76+
10% each year after the first.
Free RMD for all Q plans
10 years:12,12,11,10,9,8,7,6,4,2
Full account value at death of the owner
Optional: Increased Death Benefit Guarantee
Rider(1.25% Cost)
Nursing Home(at any time on or after the 1st contract anniversary, if client should become confined to an approved nursing facility for at least 60 consecutive days, withdrawal charges on any portion of the CV withdrawn will be waived.
Terminal Illness
LIFETIME INCOME RIDER25% PREMIUM BONUS PLUS 5% GUARANTEED INTEREST FOR 10 YEARS IN THE INCOME ACCOUNT
After 5th contract year without penalty if choose a payout option of at least 5 years certain.
100% Chargeback for death or any withdrawals in the first year. Issue Age 0-80100% 0-6 months
50% months 7-12
Issue Age 81+ 100% 0-12 months
60 days from date application received
3.00% to 751.95% 76-801.05% 81-85
1 Year Guarantee:$250,000+
4.15% first year
$100,000 - $249,9993.40% first year
$15,000 - $99,9992.40% first year
(1.65% bailout rate in years 2-6)
$250K+2.06%
$100k - $249K1.94%
<$99K1.77%
$15,000
$500,000 maximum
10% each year including the first
Available after 30 days
6 years:9,9,8,7,6,5 Full account value at
death of the owner
Medical Care/Nursing Home Waiver
Bail Out
Guaranteed Return of Premium
Can annuitize after 13 months without any surrender charges.
Options are Lifetime Income with Period Certain (10, 15, or 20 years) or Joint Life and Survivor Income with 10 Year Period Certain.
100% Chargeback for death in the first 6 months for any owner with an issue age of 76 or older.100% Chargeback the first twelve months for Full or Partial Withdrawals above the penalty free amount.
3 Year Guarantee:$250K+
3.05% years 1-3
$100K - $249K2.85% years 1-3
<$99K2.25% years 1-3
(1.65% bailout rate in years 4-6)
$250K+2.35%
$100k - $249K2.25%
<$99K1.95%
5 Year Guarantee:$250K+
2.55% years 1-5
$100K - $249K2.40% years 1-5
<$99K2.00% years 1-5
(1.65% bailout rate in year 6)
$250K+2.40%
$100k - $249K2.27%
<$99K1.94%
60 days from date application received
SecureLiving Independence
2.25% to 751.31% 76-800.94% 81-85
$100K+4.80% first year
$50,000 - $99,9994.30% first year
$15,00 - $49,9993.80% first year
(2.55% bailout rate in years 1 &2 yr $15,000-
$100,000+ )
.50%and 1.00% depending on
premium amounts1.00%
years 1-6
$15,000
$500,000 maximum
10% each year including the first
Available after 30 days6 years:
9,9,8,7,6,5 Full account value at
death of the owner
Medical Care/Nursing Home Waiver
(90 day wait, 30 day confinement)
Guaranteed Return of Premium
Can annuitize after 13 months without any surrender charges.
Options are Lifetime Income with Period Certain (10, 15, or 20 years) or Joint Life and Survivor Income with 10 Year Period Certain.
100% Chargeback for death in the first 6 months for any owner with an issue age of 76 or older.100% Chargeback the first twelve months for Full or Partial Withdrawals above the penalty free amount.
60 days from date application received
SecureLiving Smart Rate
3.00% to 752.70% 76-801.05% 81-85
1-Year Guarantee:
2.60% < $49,999
3.35%$50k - $99,999
4.10% - $100k+
$5,000 NQ$2,000 Q
$500,000 maximum
10% each year including the first.
Available after 30 days
7 years:7,7,7,6,5,4,3 Full account value at
death of the owner
Medical Care/Nursing Home Waiver
(90 day wait, 30 day confinement)
Guaranteed Return of Premium
Can annuitize after 13 months without any surrender charges.
Options are Lifetime Income with Period Certain (10, 15, or 20 years) or Joint Life and Survivor Income with 10 Year Period Certain.
100% Chargeback for death in the first 6 months for any owner with an issue age of 76 or older.100% Chargeback the first twelve months for Full or Partial Withdrawals above the penalty free amount.
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
Genworth 7/31/2013 SPDA N/A 1.00% No 0-85
N/A
Great American 8/7/2013 SPDA Secure American 1.00% No
8/7/2013 SPDA Secure Gain 5 1.00% 9,8,7,6,5
8/7/2013 SPDA Secure Gain 7 1.00% 9,8,7,6,5,4,3
Guggenheim 8/1/2013 SPDA None 1.00% Yes 7,6,5,4,3
Guggenheim 8/1/2013 SPDA None 1.00% Yes 7,6,5,4,3,2,1
Guggenheim 8/1/2013 SPDA None 1.00% Yes 7,6,5,4,3,2,1,1,1,0.75
60 days from date application received
SecureLiving Smart Rate
3.00% to 752.70% 76-801.05% 81-85
$5,000 NQ$2,000 Q
$500,000 maximum
10% each year including the first.
Available after 30 days
7 years:7,7,7,6,5,4,3 Full account value at
death of the owner
Medical Care/Nursing Home Waiver
(90 day wait, 30 day confinement)
Guaranteed Return of Premium
Can annuitize after 13 months without any surrender charges.
Options are Lifetime Income with Period Certain (10, 15, or 20 years) or Joint Life and Survivor Income with 10 Year Period Certain.
100% Chargeback for death in the first 6 months for any owner with an issue age of 76 or older.100% Chargeback the first twelve months for Full or Partial Withdrawals above the penalty free amount.
3-Year Guarantee:2.05% - < $49,999
2.45%$50k - $99,999
3.85% $100k+
None
5-Year Guarantee:
1.65% - < $49,999
2.00%$50k - $99,999
2.20% $100k+
None
30 days from date application received
First Year5.75% to 704.65% 71-804.40% 81-89
Second Year5.00% 0-703.85% 71-803.60% 81-89
Third Year4.05% 0-702.95% 71-802.00% 81-89
3.00% AV*1.00% SV*
1% Annuitization bonus vests per year, up to 10%
4.03% effective yield (assuming you are
annuitizing for min. of 7 years.)
0-89(NQ)18-89(Q)
$10,000
Maximum: $750,000 for ages 0-79. $500,000 for
ages 80+
Additional premiums accepted in first three contract
years; min $5,000
10% of the initial purchase payment in the first
contract year. After first contract year, 10% per
year of cash value, as of most recent contract
anniversary
7 years9,8,7,6,5,4,3
Applies to each purchase payment
Upon the death of the owner, the death
benefit will equal the account value, which includes any earned
Annuitization bonus if the contract is
annuitized, less any applicable premium
tax or other taxes not previously deducted.
Extended Care
TerminalIllness
Up to 10% Annuitization bonus
If the contract is annuitized after the first contract year for a period of at least seven years, a bonus will be added to the account value. The bonus will be equal to 1% of the amount annuitized for each completed contract year, up to a maximum of 10%. Withdrawals, surrenders, loans and ESP payments will adversely affect the amount available for Annuitization.
ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less
DEATH50% in the first 6 months only
PARTIAL WITHDRAWALS100% in months 1-6;50% in months 7-12
SURRENDERS100% in months 0-6;50% in months 7-12
GreatAmerican
30 days from date application received
2.50% to age 801.50% ages 81-89
<$100,0002.15% year 12.00% year 22.10% year 32.20% year 52.30% year 5
$100,000+.10% bps higher
.25% interest rate bonus for one year
<$100,0002.15%
$100,000+2.25%
Yes
(No MVA in IN, MN, MO, OH,
VA)
18-89 Q0-89 NQ
$10,000
$750,000 max for ages 0-79
$500,000 max for ages 80+
10% during the first year, and 10% each year
thereafter (non-cumulative) as of the end
of the prior contract anniversary.
Full account value at the death of the owner
Extended Care Waiver(confinement after first contract year, 90 consecutive days)
Terminal Illness Waiver(diagnosed after first contract year; 12 months or less to live as diagnosed by a physician)
Annuitization allowed at any time using full account value
ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less
DEATH50% in the first 6 months only
PARTIAL WITHDRAWALS100% in months 1-6;50% in months 7-12
SURRENDERS100% in months 0-6;50% in months 7-12
GreatAmerican
30 days from date application received
2.50% to age 801.50% ages 81-89
<$100,0002.60% year 11.85% year 22.10% year 32.35% year 52.60% year 52.85% year 63.10% year 7
$100k +.10 bps higher
1.00% interest rate bonus for one
year
.25% added to base rate in years
2-7
<$100,0002.49%
$100,000+2.59%
Yes
(No MVA in IN, MN, MO, OH,
VA)
18-85 Q0-85 NQ
$10,000
$750,000 max for ages 0-79
$500,000 max for ages 80+
10% during the first year, and 10% each year
thereafter (non-cumulative) as of the end
of the prior contract anniversary.
Full account value at the death of the owner
Extended Care Waiver(confinement after first contract year, 90 consecutive days)
Terminal Illness Waiver(diagnosed after first contract year; 12 months or less to live as diagnosed by a physician)
Annuitization allowed at any time using full account value
ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less
DEATH50% in the first 6 months only
PARTIAL WITHDRAWALS100% in months 1-6;50% in months 7-12
SURRENDERS100% in months 0-6;50% in months 7-12
45 days from date application received
ProOption 5With Return of
Premium
2.50% to age 801.88% ages 81-85 1.25% ages 86-90
2.15% year 12.25% year 22.35% year 32.45% year 52.55% year 5
Same as guaranteed rate
0-90Q & NQ
Qualified:$5,000 Min
$1,000,000 Max
Non-Qualified$10,000 Min
$1,000,000 Max
10% of previous anniversary account value
in Year 2 and later.
RMD's allowed in all years (with chargeback in Year
2)
Full account value at the death of the
owner.
Surrender charges waived
No MVA applied.
Nursing Home(Contract purchased prior to age 76, 90 consecutive days)
Terminal Illness(Contract Purchased prior to age 70)
Can annuitize at any time . Surrender charges are waived upon Annuitixation for a minimum of 10 years, or 5 years after the initial guarantee period.
100% on any withdrawal or death within 1st contract year.
45 days from date application received
ProOption 7With Return of
Premium
2.50% to age 801.88% ages 81-85 1.25% ages 86-90
2.55% year 12.65% year 22.75% year 32.85% year 52.95% year 53.05% year 63.15% year 7
Same as guaranteed rate
0-90Q & NQ
Qualified:$5,000 Min
$1,000,000 Max
Non-Qualified$10,000 Min
$1,000,000 Max
10% of previous anniversary account value
in Year 2 and later.
RMD's allowed in all years (with chargeback in Year
2)
Full account value at the death of the
owner.
Surrender charges waived
No MVA applied.
Nursing Home(Contract purchased prior to age 76, 90 consecutive days)
Terminal Illness(Contract Purchased prior to age 70)
Can annuitize at any time . Surrender charges are waived upon Annuitixation for a minimum of 10 years, or 5 years after the initial guarantee period.
100% on any withdrawal or death within 1st contract year.
45 days from date application received
ProOption 10With Return of
Premium
3.00% to age 802.25% ages 81-85 1.50% ages 86-90
2.70% year 12.80% year 22.90% year 33.00% year 43.10% year 53.20% year 63.30% year 73.40% year 83.50%year 9
3.60% year 10
Same as guaranteed rate
0-90Q & NQ
Qualified:$5,000 Min
$1,000,000 Max
Non-Qualified$10,000 Min
$1,000,000 Max
10% of previous anniversary account value
in Year 2 and later.
RMD's allowed in all years (with chargeback in Year
2)
Full account value at the death of the
owner.
Surrender charges waived
No MVA applied.
Nursing Home(Contract purchased prior to age 76, 90 consecutive days)
Terminal Illness(Contract Purchased prior to age 70)
Can annuitize at any time . Surrender charges are waived upon Annuitixation for a minimum of 10 years, or 5 years after the initial guarantee period.
100% on any withdrawal or death within 1st contract year.
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
Guggenheim 8/1/2013 SPDA
None
1.00% Yes
None
None
None
None
None
None
None
ING USA 7/17/2013 SPDA
1% on $75,000+
Yes 0-80 $15,000
1% on $75,000+
7/31/2013 SPDA MultiVantage
1.00% 1.25%
1.00% Yes
0-89
Full account value upon Annuitization
1.00% 1.60% 0-89
1.00% 2.39% 0-89
1.00% 2.70% 0-89
7/31/2013 FPDA
QIO 1st.yr rate 2.75% n/a n/a
1.00% Yes 0-85
0.75% 1.40%
0.75% 1.57%
0.75% 2.00%
0.75% 2.27%
7/31/2013 SPDA
n/a n/a
1.00% No 0-85 $3,000
1.00% 1.98% minimum
1.00% 1.70% minimum
1.00% 1.44%
8/1/2013 SPDA
None
1.00% Yes 0-90
None
None
None
None
None
45 days from date application received
Preserve Multi-Year Guaranteed Annuity
3-Year term1.00% to 800.75% 81-850.50% 86-90
4-Year term1.75% to 801.31% 81-850.88% 86-90
5-9 year terms2.50% to 801.88% 81-851.25% 86-90
10- year term3.00% to 802.25% 81-851.50% 86-90
*Call for renewals
3-year term:2.10% $250K+
2.00% under $250K
Same as guaranteed rate
0-90Q & NQ
Qualified:$5,000 Min
$1,000,000 Max
Non-Qualified$10,000 Min
$1,000,000 Max
10% of previous anniversary account value
in Year 2 and later.
RMD's allowed in all years (with chargeback in Year
2)
3-year term:7,6,5
Full account value at death
Surrender charges waived
No MVA applied.
Nursing Home(Contract purchased prior to age 76, 90 consecutive days)
Terminal Illness(Contract Purchased prior to age 70)
Can annuitize at any time . Surrender charges are waived upon Annuitixation for a minimum of 10 years, or 5 years after the initial guarantee period.
100% on any withdrawal or death within 1st contract year.
4-year term:2.35% $200K+
2.25% under $250K
Same as guaranteed rate
4-year term:7,6,5,4
5-year term:2.80% $250K+
2.70% under $200K
Same as guaranteed rate
5-year term:7,6,5,4,3
6-year term:3.00% $250K+
2.90% under $250K
Same as guaranteed rate
6-year term:7,6,5,4,3,2
7-year term:3.30% $250K+
3.20% under $250K
Same as guaranteed rate
7-year term:7,6,5,4,3,2,1
8-year term:3.40% $250K+
3.30 under $250K
Same as guaranteed rate
8-year term:7,6,5,4,3,2,1,1
9-year term:3.50% $250K+
3.40% under $250K
Same as guaranteed rate
9-year term:7,6,5,4,3,2,1,1,1
10-year term:3.60% $250K+
3.50% under $250K
Same as guaranteed rate
10-year term:7,6,5,4,3,2,1,1,1,0.75
45 days from date transfer request is
sent by ING
Guarantee Choice Annuity
7 year term:Option A
2.50% 0-76w/ no trail
Option B, C, D1.50% 0-76w/.25% trail
.25% reduction over 76
7-year guaranteed rate$15,000 - $74,999
1.50%
$75,000+2.50% 1st year
1.50% years 2-7
$15,000+1.50%
75,000+1.64%
SeeLeft
Interest in 30 days, 10% after one year
7 or 10 years9,8,7,6,5,4,3,2,1
30 day window at end of initial guarantee period to withdraw funds without penalty. After window, surrender charges continue but do not reset.
Accumulation value is pd. to the beneficiary
Nursing Home & Terminal Illness
Surrender charges waived if owner is confined for at least 45 days during any continuous 60-day period.
Guaranteed Return of Premium
Annuitize your contract prior to 9th contract anniv. cash surrender value will be applied to the payout option, if you annuitize your contract on after the 9th contract anniv, the accumulation value will be applied to payout option.Annuitization available after 1st contract yr for a min. of 10 yrs.
Chargeback for surrenders or Annuitization in the first year:
100% first 6 months50% months7-12
No chargeback at death in first year..
10 year term:Option A
3.25% 0-76w/ no trail
Option B, C, D2.00% 0-80w/.25% trail
.25% reduction over 76
10-year guaranteed rate$15,000 - $74,999
1.50%
$75,000+2.50% 1st year
1.50% years 2-10
$15,000+1.50%
75,000+1.60%
IntegrityLife
60 days from date application received
2.00% to 751.50% 76-85 1.20% 86-89
4 years:2.00% first year1.00% years 2-4
$20,000
Max premium$1M 0-75
$750K 76-89
10% beginning in the first year
4, 5, 7, or 10 years8,8,7,7,6,5,4,3,2,1
30-day window BEFORE end of initial GRO period to withdraw funds without penalty or MVA
No MVA at death.
Full account value at the death of the annuitant
Nursing Home
TerminalIllness
RMD
Full Annuitizationafter 1st. Yearpartial @ maturity
100% chargeback in the first 12 months for surrenders in each GRO period.
No chargeback at death.
2.50% 0-752.00% 76-851.70% 86-89
5 years:2.40% first year1.40% years 2-5
3.00% 0-752.20% 76-851.80% 86-89
7 years:3.25% first year2.25% years 2-7
3.50% 0-752.70% 76-852.00% 86-89
10 years:3.60% first year
2.60% years 2-10
IntegrityLife
60 days from date application received
NewMomentum
Guaranteed Rate Option:
5.00% to 793.00% 80-85
Quarterly Enhanced Interest Rate Option:
2.00% to 790.00% 80-85
$5,000 NQ$2,000 Q
$1,000 additional lump sum premiums or $100 min if set up
on EFT
10% beginning in the first year
7 years8,7,6,5,4,3,2
(7 year surrender. MVA extends to the end of the 7th year, or 10th year on the 10-year term)
Deposit Surrender Schedule - each deposit incurs a new surrender charge period. Of 7 years
Full account value at the death of the annuitant
Nursing Home
TerminalIllness
Unemployment
(owner)
Annuitization outside of the 30-day window will incur MVA calculations but no surrender charges.
100% chargeback in the first 6 months for surrenders or withdrawals over 10%.
No chargeback at death.
5-year GRO rate:2.00% first year1.25% years 2-5
2.20% first year1.45% years 2-6
7-year GRO rate:2.65% first year1.90% years 2-7
10-year GRO rate:2.95% first year2.20 years 2-10
IntegrityLife
60 days from date application received
SPDASeries II
4.00% to 792.25% 80-85
1-year rate:2.75%
10% beginning in the first year
7 years7,7,7,6,5,4,3
Full account value at the death of the annuitant
Unemployment,Terminal Illness,Healthcare,and RMD
(The unemployment, terminal illness and healthcare waivers are NOT allowed in NC or SC.)
GUARANTEED RETURN OF PREMIUM
Annuitization can begin at any time. However, there is a chargeback of commissions in the first year due to annuitized contracts.
100% first six months, 50% months 7-12 for partial withdrawals (except penalty-free amounts) or full surrenders.
No chargeback at death.
New money Annuitization rates and full commission after 5 years.
3-year rate:2.65% first year1.65% years 2-3
5 year rate:2.50% first year1.50% years 2-5
7 year rate:2.30% first year1.30% years 2-7
NorthAmerican
45 days from date application received
North American Guarantee Choice
Plus
3-Year term1.50% to 80
1.125% 81-85.75% 86-90
4-Year term2.00% to 801.50% 81-85
1% 86-90
5-10 year terms2.50% to 801.88% 81-851.25% 86-90
.75% at re-entry
3-year term:1.40% $200K+1.15%>$200K
Same as guaranteed rate
$2,000 Q$10,000 NQ
Current year interest withdrawals after 30 days
3-year term:10,10,10
Full account value at death of owner or
annuitant
Nursing Home(Age 75 or younger at time of issue; 1-year wait, 90 day confinement - penalty-free withdrawals increased to 20% per year)
Available after first year if annuitized for life. After 5th year if annuitized for at least 60 months.
100% first6 months
50% months7-12for any and all withdrawals
In CT, IN, KY, LA, MD, OK, OR, SC, TX, UT, VT, VA, & WA, the Guarantee Annuity commissions are .25% less and re-entry commissions are .125% less. Commissions are not paid on new premium added to a spousal continuance case.
4-year term:1.65% $200K+
1.40% under $200K
Same as guaranteed rate
4-year term:10,10,10,10
5-year term:2.50% $200K+
2.25% under $200K
Same as guaranteed rate
5-year term:10,10,10,10,10
6-year term:2.25% $200K+
2.00% under $200K
Same as guaranteed rate
6-year term:10,10,10,10,10,9
7-year term:2.50% $200K+
2.30% under $200K
Same as guaranteed rate
7-year term:10,10,10,10,10,9,8
8-year term:2.75% $200K+
2.55 under $200K
Same as guaranteed rate
8-year term:10,10,10,10,10,9,8,6
2 year & 3-year GRO will be closed to renewals, fund transfers, and new
contributions eff. 9/30/12.
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
8/1/2013 SPDA
None
1.00% Yes 0-90
None
8/1/2013 FPDA 5.00% N/A 1.00% Yes 0-80
8/1/2013 FPDA N/A N/A 1.00% Yes 0-85
8/1/2013 FPDA N/A 1.00% Yes
NSS Life 1/2/2013 FPDA 1.00% for one year n/a 1.00% 1.00% No Unlimited None Any time without penalty
NSS Life 1/2/2013 Optimum 3 2.00% for three years n/a 2.00% 1.00% No Unlimited None Any time without penalty
NSS Life 1/2/2013 FPDA Preferred 5 3.00% first year n/a n/a 2.00% No Unlimited None Any time without penalty
NSS Life 1/2/2013 FPDA Preferred 8 3.50% first year n/a n/a 2.00% No Unlimited None Any time without penalty
NorthAmerican
45 days from date application received
North American Guarantee Choice
Plus
3-Year term1.50% to 80
1.125% 81-85.75% 86-90
4-Year term2.00% to 801.50% 81-85
1% 86-90
5-10 year terms2.50% to 801.88% 81-851.25% 86-90
.75% at re-entry
$2,000 Q$10,000 NQ
Current year interest withdrawals after 30 days
Full account value at death of owner or
annuitant
Nursing Home(Age 75 or younger at time of issue; 1-year wait, 90 day confinement - penalty-free withdrawals increased to 20% per year)
Available after first year if annuitized for life. After 5th year if annuitized for at least 60 months.
100% first6 months
50% months7-12for any and all withdrawals
In CT, IN, KY, LA, MD, OK, OR, SC, TX, UT, VT, VA, & WA, the Guarantee Annuity commissions are .25% less and re-entry commissions are .125% less. Commissions are not paid on new premium added to a spousal continuance case.
9-year term:3.00% $200K+
2.75% under $200K
Same as guaranteed rate
9-year term:10,10,10,10,10,9,8,6,4
10-year term:3.50% $200K+
3.30% under $200K
Same as guaranteed rate
10-year term:10,10,10,10,10,9,8,6,4,2
NorthAmerican
45 days from date application received
Boomer Annuity
To age 75:7.00% first year3.00% years 2-52.00% years 6-71.00% years 8-101.50% years 11+
25% reduction in above rates for ages 76-80
1.35% first yearPLUS
5% cash bonus on all premiums received in
the first 5 contract years!
$2,000 Q$10,000 NQ
$50/month minimum premium after initial
premium
5% of account value each year after first year
10 years15,14,13,12,11,
10,8,6,4,2
Contract Surrender Charges - no rolling surrenders
Full account value at death of first owner or
second annuitant
Nursing Home(Age 75 or younger at time of issue; 1-year wait, 90 day confinement - penalty-free withdrawals increased to 20% per year)
Annuitization Bonus2% years 8-105% years 11+
Account value after first contract year.
2% Annuitization bonus if annuitized in years 8-10, 5% years 11+
100% first6 months
50% months7-12for any and all withdrawals including RMDs
NorthAmerican
45 days from date application received
North AmericanDirector
5.50% to 804.13% 81-85
.50% on premiums applied in years 2-5
(1% comm reduction in VA.)
4.50% first year1.50% years 2-5
1% minimum yrs 6-9
$2,000 Q$10,000 NQ
$50/month minimum premium after initial
premium
10% each year after first year; one withdrawal
allowed per year
9 years12,11,10,9,8,
7,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value at death of first owner or
second annuitant
Nursing Home(Age 75 or younger at time of issue; 1-year wait, 90 day confinement - penalty-free withdrawals increased to 20% per year)
Terminal Illness(Age 75 or younger at time of issue; one-time penalty-free withdrawal up to 50% of AV)
Unemployment(age 65 or younger at time of issue; one-year wait; increases penalty-free withdrawals to 20% per year)
INCOME PAY RIDER
Annuitization using full account value is available after first year if annuitized with life contingency, or after 5th year if annuitized for at least 60 months.
100% first6 months
50% months7-12for any and all withdrawals including RMDs
NorthAmerican
45 days from date application received
North AmericanFlex II & III
FLEX I & II:4.50% first year
2.50% years 2-3 0.50% years 4-9
Flex I: 25% reduction ages 76-80
50% reduction 81-85
Flex II: 25% reduction ages 76-79
Flex IIITo age 75:
4.50% first year2.50% years 2-5 0.50% years 6-10
0.50% years 11-15
First Year Guaranteed Rate:
Flex II: 1.40% (1st year)
10-year term
Flex III: 1.55% (1st year)
14-year term
Flex II: 5%
Flex III: 10%
Premium bonus applies to all
premiums received in first 5 contract years.
Flex II: 0-79Flex III: 0-75
$2,000 Q$10,000 NQ
$50/month minimum premium after initial
premium
10% per year after first contract year
Flex II:10 Years
15,14,13,12,11,10,8,6,4,2
Flex III:14 years
18,18,17,15,15,15,15,14,12,10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death of first
owner/annuitant or second annuitant (if joint)
Nursing Home(Age 75 or younger at time of issue; 1-year wait, 90 day confinement - penalty-free withdrawals increased to 20% per year)
INCOME PAY RIDER
GUARANTEED RETURN OF PREMIUM
Available after first year if annuitized for life. After 5th year if annuitized for at least 60 months.
100% firstcontract year, 50% second contract yearfor any and all withdrawals including RMDs
Unlimited rate lock with a $100
fee
No ratelock otherwise
Preferred Choice One Year Annuity
.50% on all deposits.50% trails for 3 years
$2,000 NQ or Q
$25,000 max deposit per client
Additional deposits of at least $25
allowed after first year
Up to 10% may be withdrawn in each contract
year. Full liquidity is available during a 30-day window at the end of the
one-year period.
5 years6,5,4,3,2
No new surrender charges on additional deposits
Full Account Value at death
Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts.First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.
Unlimited rate lock with a $100
fee
No ratelock otherwise
FPDAAdditional premiums
accepted in first 90 days
1% at all ages on initial deposit
$2,000
$25,000 maximumpremium per client
Additional premiums accepted in first 90
days
10% free each year after first contract year
5 years6,5,4,3,2
30 day window after 3 years to withdraw with no penalty
Full Account Value at death
Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts.First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.
Unlimited rate lock with a $100
fee
No ratelock otherwise
2.75% ages 0-79first year
1.75% on additional deposits
1.00% ages 80+first year
.50% additional deposits years 2-5
$1,000 lump sum
$25 minimum thereafter
$100,000 maximum premium per client
10% free each year after first contract year
5 years6,5,4,3,2
No new surrender charges on additional deposits
Full Account Value at death
Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts.First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.
Unlimited rate lock with a $100
fee
No ratelock otherwise
2.75% ages 0-79first year
1.75% on additional deposits
1.00% ages 80+first year
.50% additional deposits years 2-5
EXTRA .25% COMMISSION
THROUGH 3/31/13
$1,000 lump sum
$25 minimum thereafter
$100,000 maximum premium per client
10% free each year after first contract year
8 years9,8,7,6,5,4,3,2
No new surrender charges on additional deposits
Full Account Value at death
Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts.First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.
NSS Life is only approved to do business in CA, CO, CT, FL, IL, IN, MI, NJ, NY, NC, OH, PA, WV, WI
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
8/1/2013 SPDA None N/A 1.00% Yes 18-80
8/15/2013 SPDA None 1.00% No
8/15/2013 FPDA 0-90
8/15/2013 FPDA 0-90
6/25/2013 SPDA None 1.00% Yes 0-85
6/25/2013 SPDA None 1.00% No 0-85
OxfordLife
60 days from date application signed
Income ProtectorSPDA
3.00% to 18-752.00% 76-80
Years 1-5:
2.75%$25,000-$350,000
2.25%$10,000 - $25,000
(1.00 % min)
*Income account rate years 1-5
$25,000+ - 7.50%(*$6% min yrs 6-10)
<$25,000 - 7.00%(*6% min yrs 6-10)
[*5% greater than policy base rate for first 10
years)
$10,000
$350,000 maximum
Systematic withdrawal of interest in the
first year*OR
2 penalty-free withdrawals per year cumulatively, 10% of accumulated
annuity value starting in the second year
5 years10, 9, 8, 7, 6
Full account value at death
Terminal IllnessHome Health CareNursing Home
Optional Guaranteed Lifetime Withdrawal Benefit- Guaranteed Income Account Roll-Up Rate = 5% over fixed rates shown abovePrior to any withdrawals under the GLWB or base policy, the Income Account Value equals 100% of your initial premium, plus the premium bonus, guaranteed to grow at a rate of 5.00% over the base guaranteed rate annually for the first 10 years. Can receive monthly, quarterly, semi-annual or annual GLWB payments. When you first elect GLWB payments, your annual payments will be based on your current Income Account Value multiplied by a percentage based on your age. Payments can be started and stopped at any time. If a RMD is required, you will be allowed to take the greater of the GLWB payment or the RMD.
Account value after first contract year as long as it is done for the remaining 5.
Charge-back will be in effect for death in the first year adjusted semi-annually
100% months 1-6 & 50% 7-12.
PrincipalFinancial
60 days from date application signed
Principal Guaranteed Fixed Annuity
4.10% to 802.75% 81-851.45% 86-90
1-year rate:1.30%
(1.00% min.)
3-year rate:1.30% for 3 years
(1.00% min years 4-5)
5-year rate:1.30% for 5 years
1-Year:1.30%
3-years:1.30%
5-years:1.30%
0-90
0-85 in OK
$5,000
$2,000 minimum additional premiums
in first year only
$1,000,000 maximum
10% each year beginning in the first year
5 years7,7,7,6,5
Full accumulation value at death.
Terminal IllnessDisabilityNursing Hometo age 85 at issue
GUARANTEED RETURN OF PREMIUM
Annuitize at any time without surrender charges
Premium credit is lost if annuitized in first 3 year.
100% chargeback in first year for surrenders or Annuitization in first year. Prorated chargeback if annuitized in first year and premium credit option is chosen at issue.
No chargeback at death.
PrincipalFinancial
60 days from date application signed
Principal Secure Fixed Annuity
Guaranteed return of principal
4 years:1.15% for 4 years
plus .25% premium credit for $100,000+
6 years:1.45% for 6 years
plus 2.00% premium credit for $100,000+
4-year term:$100,000+ only:
0.25%
6-year term:$50,000-$99,000:
1.00%
$100,000 +2.00%
4-year term:$100,000+: 1.15%>$100,000: 1.21%
6-year term:>$50,000: 1.45%
$50,000-$99,000:1.62%
$100,000 +1.78%
$5,000$2,000 minimum
additional contributions in first
year only
$1M maximum
15% of the contract year's beginning account value,
plus 15% of any additional premium payments made during the contract year,
or the RMD
4 years:7,6,6,5
6-year:7,6,6,5,5,4
No forced renewal. One time renewal after initial guarantee period.
Full account value at death
Terminal IllnessDisability (under age 65)Confinement (6-consecutive days)
PrincipalFinancial
60 days from date application signed
Principal Select Fixed Annuity
Guaranteed return of principal
3 years:1.05% for $100K;
.90% for$50k - $99,999
4 years:1.40%
6 years: 1.95% $100K;
1.90% $50k - $99,999;1.80% <$50,000
9 years: 1.70% $100K+;
1.55% for<$100,000K
3 years: None
4-year term:1.50% $100K;
1.00% $50k - $99,999;0.50% <$50,000
6-year term:2.00% $100K
1.00% $50k - $99,999
9 years: None
3 years:0.90% for $100K;
.75% for$50k - $99,999;
4 years:
1.78% premium credit for $100K;
1.65% premium credit for $50k - $99,9991.52% <$50,000
6 years: 2.29%$100K;
2.07% for $50k - $99,999;
1.80% <$50,000
9 years: 1.70% $100K+;
1.55% <$100,000K
$5,000$2,000 minimum
additional contributions in first
year only
$1M maximum
15% of the contract year's beginning account value,
plus 15% of any additional premium payments made during the contract year,
or the RMD
4 years:7,6,6,5
6-year:7,6,6,5,5,4
No forced renewal. One time renewal after initial guarantee period.
Full account value at death
Terminal IllnessDisability (under age 65)Confinement (6-consecutive days)
RelianceStandard
45 days from date application received
Eleos MVA
**Product not available in AL, MD, MT, ND, NY, OK, OR,
SC, TX, UT, or WA
3.25% to 752.60% 76-801.95% 81-85
Upon issue, commissions will be paid on first
$300,000 of premium until after the free look
period is up, then rest of commissions will be paid.
Renewal Commission will be payable upon the
election of a new guarantee period if the
agents appointment is still active.
3.30% first year 2.30% base rate
Depends on renewal rate
$10,000
$500k Max.
10% per year including first year, available 30 days after policy issue
5 years8,7,6,5,4
Waived for 90 consecutive days of Hospital/Nursing home confinement after 1st year, up to 25% each
year.
Penalties are waived at death of owner if the
owner and annuitant are the same person.
If the owner is not the annuitant, the surrender value is paid on death of
the owner.
Nursing HomeHospitalization
Allows withdrawals up to 25% of the value penalty free each year.Available ONLY to annuitants age 74 or younger at issue.
Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.
100% first6 months
50% months7-12
RelianceStandard
45 days from date application received
Eleos-SPSPDA
**Product not available in AL, MT,
MO, NY, UT,
3.25% to 752.60% 76-801.95% 81-85
Upon issue, commissions will be paid on first
$300,000 of premium until after the free look
period is up, then rest of commissions will be paid.
Renewal Commission will be payable upon the
election of a new guarantee period if the
agents appointment is still active.
3.15% first year 2.15% base rate
Depends on renewal rate
$10,000
$500k Max.
10% per year including first year, available 30 days after policy issue
5 years8,7,6,5,4
Waived for 90 consecutive days of Hospital/Nursing home confinement after 1st year, up to 25% each
year.
Penalties are waived at death of owner if the
owner and annuitant are the same person.
If the owner is not the annuitant, the surrender value is paid on death of
the owner.
Nursing HomeHospitalization
Allows withdrawals up to 25% of the value penalty free each year.Available ONLY to annuitants age 74 or younger at issue.
Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.
100% first6 months
50% months7-12
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
6/25/2013 SPDA Apollo-MVA None 1.00% Yes 0-85
6/25/2013 SPDA Apollo-SP None 1.00% No 0-85
Reliance Standard Notes: Contract Owner must also be the annuitant for all annuity applications except in situations where the Contract Owner is a Trust, Corporation or other Non-Natural entity. In addition, Joint Owners must also be designated as Joint Annuitants.
5/1/2013 SPDA None N/A Yes
5/22/2013 SPDA Personal Choice None 1.00% Yes
8/19/2013 SPDA Western National 5
1.00%
No
1.00%
None 1.00%
8/19/2013 SPDA Western National 7
1.00%
No
RelianceStandard
45 days from date application received
5.25% to 754.20% 76-803.15% 81-85
Upon issue, commissions will be paid on first
$200,000 of premium until after the free look
period is up, then rest of commissions will be paid.
Renewal Commission will be payable upon the
election of a new guarantee period if the
agents appointment is still active.
3.10% first year 2.10% base rate
Depends on renewal rate
$5,000
$500k Max
10% per year including first year, available 30 days after policy issue
*Cumulative interest available beginning in year
3 up to 30% of single premium
7 years9,8,7,6,5,4,2
Penalties are waived at death of owner as long as the owner and annuitant
are the same person.
If the owner is not the annuitant, the surrender value is paid on death of
the owner.
Nursing HomeHospitalizationAllows withdrawals up to 25% of the value penalty free each year.Available ONLY to annuitants age 74 or younger at issue.
Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.
100% first6 months
50% months7-12
RelianceStandard
45 days from date application received
5.25% to 754.20% 76-803.15% 81-85
Upon issue, commissions will be paid on first
$200,000 of premium until after the free look
period is up, then rest of commissions will be paid.
Renewal Commission will be payable upon the
election of a new guarantee period if the
agents appointment is still active.
2.95% first year 1.95% base rate
Depends on renewal rate
$5,000
$500k Max
10% per year including first year, available 30 days after policy issue
*Cumulative interest available beginning in year
3 up to 30% of single premium
7 years9,8,7,6,5,4,2
Apollo surrender charge reduced for ages 60+(8,7,6.5,5.5,4.5,3.5,2.0)
Penalties are waived at death of owner as long as the owner and annuitant
are the same person.
If the owner is not the annuitant, the surrender value is paid on death of
the owner.
Nursing Home
Hospitalization
Allows withdrawals up to 25% of the value penalty free each year.Available ONLY to annuitants age 74 or younger at issue.
Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of six or more years.
Life, Life with pmts certain, Designated Period, or Joint and Last Survivor
100% first6 months
50% months7-12
SagicorLife
60 days from date application received
Gold Series Sage Choice
3.00% to 801.00% 81-90
2.50% first year 2% years 2-103% year 11+
0-90 NQ or Q
$2,000NQ or Q
Beginning in year one 10% per year.
Monthly Systematic Interest available when
application taken (additional form required).
If not selected initially, must wait till first
anniversary.
6 years7,7,7,6,5,3
Full account value at death
Confinement Waiver: 90 day confinement; All fund penalty-free (no age restriction)
Terminal Illness: 6 months or less to live as defined by a physician
Bail Out ProvisionAfter the first policy year if the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the owner may request, within 30 days of notification, to receive the accumulation value without incurring a surrender charge.
Can annuitize after the first contract year with no penalty if a period of at least 5 years is chosen.
Chargeback on Non-accidental deaths100% first6 months50% months7-12
No Chargeback on accidental deaths
SentinelSecurity
Life
45 days from date application received
5-year & 7-year terms2.25% to 801.50% 81-90
10-year terms2.75% to 80
2.00% 81-90
5 Year: 2.85%
7 Year: 3.20%
10 Year: 3.45%
See Waivers Column (right) for rate
reductions related to liquidity options
2.85% for 5 years3.20% for 7 years3.45% for 10 years
0-90
$2,500 minimum
$1,000,000 maximum
Liquidity riders are optional. See Waivers
Column (right)
10 years9,8,7,6,5,5,5,5,5,5
(5% surrender charge at renewal until attained age 94.)
No penalties or MVA 30 days prior to the end of any guarantee period
Renewal surrender charges:Attained age 90-93: 5%
Age 94 - 4%Age 95 - 3%Age 96 - 2%Age 97 - 1%
Ages 98-99 - 0%
Full account value costs 0.35%. Full account
value without fee on ages 86-90. (Death of owner
or annuitant)
If selected full account value at death of
annuitant or owner, the Death Benefit will be
equal to the total contract value.
Any Surrender Charges and MVA will be waived.
These riders, which must be added at issue*, eliminate surrender charges and MVA. A rate reduction applies, as stipulated below:
Preferred 10%: 0.08%Terminal Illness/Nursing Home: 0.15%72(t): 0.05%Death Benefit: 0.35%Cumulative Interest: 0.08%RMD - 0.16%
(*May be added at issue or at the beginning of a subsequent guarantee period.)
All clients ages 86-90 MUST purchase death benefit rider except in the state of FL.
Can annuitize after the first contract year with no penalty if a period of at least 5 years is chosen.
100% first6 months
50% months7-12
No Chargeback at death.
WesternNational
Life
90 days from date application signed
2.00% to 851.00% 86-90
1-year rate guarantee with premium bonus
option:
1.50% NQ1.75% Q
Depends on renewal rate in years 2-5
1%
Guaranteed Return of
Principal is optional at point-
of-sale
0-90 NQ0-70 Q
$5,000 NQ$2,000 Q
$2,000 additional premium minimum
$1,500,000 maximum
After 30 days accumulated interest
orUp to 15% of the previous anniversary annuity value
If you do not use all of the 15% free withdrawal in a
policy year, you may carry over the unused portion to the next policy year up to
a maximum of 20%.
5 years9,8,7,6,5
Deposit Surrender Charges - Each deposit incurs a new surrender charge period.
Full Account Value at death
Extended Care
Terminal Illness
Activities of Daily Living
Annuitization available without penalty after 3 years using full account value if annuitized for at least 5 years.
Chargeback for surrenders for any reason.
100%months 1-12
50%months 13-24
1-year rate guarantee with interest rate bonus
option:
2.50% NQ2.75% Q
Depends on renewal rate in years 2-5
3-year rate guarantee
1.85% NQ or Q
0.35% interest rate bonus for 3
years
Depends on renewal rate in years 4 & 5
5-year rateguarantee
1.55% NQ or Q
WesternNational
Life
90 days from date application signed
3.00% to 851.50% 86-90
1-year rateguarantee with premium
bonus option:
1.95% NQ, Q 2.10%
Depends on renewal rate in years 2-7
1%
Guaranteed Return of
Principal is optional at point-
of-sale
0-90 NQ0-70 Q
$5,000 NQ$2,000 Q
$2,000 additional premium minimum
$1,500,000 maximum
After 30 days accumulated interest
orUp to 15% of the previous anniversary annuity value
If you do not use all of the 15% free withdrawal in a
policy year, you may carry over the unused portion to the next policy year up to
a maximum of 20%.
7 years9,8,7,6,5,4,2
Deposit Surrender Charges - Each deposit incurs a new surrender charge period.
Full Account Value at death
Extended Care
Terminal Illness
Activities of Daily Living
GUARANTEED RETURN OF PREMIUM
Annuitization available without penalty after 3 years using full account value if annuitized for at least 5 years.
Chargeback for surrenders for any reason.
100%months 1-12
50%months 13-24
Call us toll free at (877) 888-0858Local (704) 227-0786
Full Details for Fixed and Multi-Year Guaranteed Annuities
Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.
Company Rate Lock Product Commission MVA Liquidity WaiversEffective
DateSPDA/FPDA
Current Rate
1st year premium/
interest rate bonus
AverageAnnualYield
MinGuarRate
Issue Ages
Min/MaxPremium
SurrenderCharges
DeathBenefit
AnnuitizationOptions
CommissionChargeback Rules
8/19/2013 SPDA Western National 7
1.00%
No
N/A
None
None N/A
8/19/2013 SPDA None 1.00% No $10,000
WesternNational
Life
90 days from date application signed
3.00% to 851.50% 86-90
1%
Guaranteed Return of
Principal is optional at point-
of-sale
0-90 NQ0-70 Q
$5,000 NQ$2,000 Q
$2,000 additional premium minimum
$1,500,000 maximum
After 30 days accumulated interest
orUp to 15% of the previous anniversary annuity value
If you do not use all of the 15% free withdrawal in a
policy year, you may carry over the unused portion to the next policy year up to
a maximum of 20%.
7 years9,8,7,6,5,4,2
Deposit Surrender Charges - Each deposit incurs a new surrender charge period.
Full Account Value at death
Extended Care
Terminal Illness
Activities of Daily Living
GUARANTEED RETURN OF PREMIUM
Annuitization available without penalty after 3 years using full account value if annuitized for at least 5 years.
Chargeback for surrenders for any reason.
100%months 1-12
50%months 13-24
1-year rate guarantee with interest rate bonus
option:2.95%NQ or 3.10% Q
Depends on renewal rate in years 2-7
3-year rate guarantee2.50%
0.70% interest rate bonus for 3
years
5 year rate
2.15%
Depends on renewal rate in years 6 & 7
7 year rate
2.15%
WesternNational
Life
90 days from date application signed
WNL Security Builder 5
1.50% to 800.75% 81-85
1.85% NQ2.00% Qfirst year
Depends on renewal rate in years 2-5
0-85 for cash sales
0-70for 1035
exchanges & transfers
After 30 days accumulated interest
or up to 15% of the previous anniversary
annuity value, cumulative to 20% if not used in any
policy year.
5 years7,7,6,5,3
Full Account Value at death
Extended Care
Terminal Illness
Activities of Daily Living
GUARANTEED RETURN OF PREMIUM
Annuitization available without penalty after 3 years using full account value if annuitized for at least 5 years.
Chargeback for surrenders for any reason.
100%months 1-6
50%months 7-12
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA Waivers
Allianz 7/22/2013
Fixed Account No Cap None
No 87.5% @ 1.00% 0-80 $1MM
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100% No Cap
Allianz 7/22/2013
Fixed Account No Cap None
No 90% @1.50% 0-80 $1MM
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100% No Cap
Allianz 7/22/2013 Pro V1 SPDA None
Fixed Account No Cap None
No 87.5% @1.00% 0-85 $10,000 $1MM
100% No Cap
100% No Cap 1.90%
Allianz 7/22/2013 MasterDex 5 Plus
Fixed Account No Cap None
No 0-80 $1MM
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100% No Cap
Allianz 7/22/2013 MasterDex 10 Plus
Fixed Account No Cap None
No 87.5% @1.0% 0-80 $1MM
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100% No Cap
RateEffective
Date
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
60 days from day app received in home office
Endurance Elite
Includes a built-in income rider. Account value is
enhanced by a 10% premium bonus plus 105%
interest after 5th year. Several income options
available.
All these benefits are without any cost to the
client.
SPDA
(Additional premiums accepted in first year.)
10%credited to the Enhanced Withdrawal Benefit for the
purposes of lifetime income, which can be accessed after the 5th
contract year.
EWB Factor = 105%
1.35%(0.25% min)
$10,000
Additional premium accepted in first year
10% each year after first year of total premiums
paid
RMD penalty free if taken in December or
monthly throughout the year.
6 years8.5,8,7,6,5,4
Contract Surrender Charges - no rolling surrender charges
Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken
over a period of at least five years.
No Cost Riders:Nursing Home
Flexible Annuity Option
Additional Cost Riders:Flexible Withdrawal Benefit Rider
Death Benefit Rider
Annuitization without penalty after 5th contract year.
Option AYear 1
3.75% to 752.25% 76-80
Option BCall office for trail
commission details.
Chargeback for death, Alternate
Annuitization Option III, or surrender in
the first year.
100% first6 months
50% months7-12
Monthly Cap(NASDAQ 100)
1.80%(0.50% min)
Monthly Cap(S&P 500)
1.70%(0.50% min)
Monthly Cap(Euro STOXX 50)
1.80%(0.50% min)
Annual Pt-to-Pt(NASDAQ 100)
2.75%(0.50% min)
Annual Pt-to-Pt(S&P 500)
2.75%(0.50% min)
Annual Pt-to-Pt(Euro STOXX 50)
3.00%(1.00% min)
Annual Pt-to-Pt(Blended Index)
2.75%(1.00% min)
Monthly Average(Blended Index)
3.50%(12.00% max)
60 days from day app received in home office
Endurance Plus
Includes a built-in income rider. Account value is
enhanced by a 20% premium bonus plus 105%
interest after 5th year. Several income options
available.
All these benefits are without any cost to the
client.
*S&P 500 Select Allocation charge is
1.00%.
SPDA
(Additional premiums accepted in first 3
years.)
20%of all premiums applied in the first 3 years - credited
to the Enhanced Withdrawal Benefit for the
purposes of lifetime income, which can be
accessed after the 10th contract year.
EWB Factor = 105%
1.45%(0.50% min)
$10,000
Additional premium accepted in first three years
10% each year after first year of total premiums
paid
RMD penalty free if taken in December or
monthly throughout the year.
10 years10,10,10,8.75,7.50,6.25,5.00,3.75,2.50,1.25
Contract Surrender Charges - no rolling surrender charges
Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken
over a period of at least five years.
No Cost Riders:Nursing Home
Flexible Annuity Option
Additional Cost Riders:Flexible Withdrawal Benefit Rider
Death Benefit Rider
Annuitization without penalty after 5th contract year.
Option AYear 1
7.00% to 755.00% 76-80
Years 2-33.50% to 752.50% 76-80
Option BCall office for trail
commission details.
Chargeback for death or surrender in
the first year.
100% first6 months
50% months7-12
Monthly Cap(NASDAQ 100)
2.10%(0.50% min)
Monthly Cap(S&P 500)
2.00%(0.50% min)
Monthly Cap(S&P 500 Select)*
2.50%(0.50% min)
Monthly Cap(FTSE 100)
2.10%(0.50% min)
Annual Pt-to-Pt(NASDAQ 100)
3.50%(1.00% min)
Annual Pt-to-Pt(S&P 500)
3.50%(1.00% min)
Annual Pt-to-Pt(S&P 500 Select)*
5.50%(1.00% min)
Annual Pt-to-Pt(FTSE 100)
3.75%(1.00% min)
Annual Pt-to-Pt(Blended Index)
3.50%(1.00% min)
Monthly Average(Blended Index)
3.50%(12.00% max)
60 days from day app received in home office
1.35%(0.50% min)
10% each year, including first year, of total premiums paid
RMD penalty free if taken in December or
monthly throughout the year.
5 years8,7,6,5,4
The contract's full account value is available as a lump sum or as income
payments.
No Cost Riders:Nursing Home
Additional Cost Riders:Flexible Withdrawal Benefit Rider
Death Benefit Rider
Annuitization without penalty after 1st
contract year if payout option is a minimum of
10 years.
3.25% 0-752.00% 76-801.00% 81-85
Chargeback for death, Alternate
Annuitization Option III, or surrender in
the first year.
100% first6 months
50% months7-12
Annual Pt-to-Pt(Barclay's Capital)
1.90%(6.00% max)
Annual Pt-to-Pt(PIMCO US Advantage)
60 days from day app received in home office
FPDA
(Additional premiums accepted in first 5 contract years.)
3%on all premiums received
during the first five contract years
1.20%(0.50% min)
87.5% @1.65%
(1.00% after first 10 years)
*2.00% in SC for all years
$15,000
Additional premium accepted in first 5 contract years
10% each year after first year of total premiums paid (*Unemployment
benefit* additional 10% free withdraw once in
the lifetime of contract)
RMD penalty free if taken in December or
monthly throughout the year.
10 years15,15,15,15,12.86,10.71,
8.57,6.43,4.29,2.14
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value or
guaranteed minimum value at the death of the
owner, in a lump-sum payment or income
payments
No Cost Riders:Nursing Home
Flexible Annuity Option
Additional Cost Riders:Income Plus Benefit
Flexible Withdrawal Benefit Rider
Death Benefit Rider
Annuitization without penalty after 5th contract year.
Option AYear 1
7.00% to 755.00% 76-80
Years 2-53.50% to 752.50% 76-80
Option BCall office for commission details containing trails.
Chargeback for death, Alternate
Annuitization Option III, or surrender in
the first year.
100% first6 months
50% months7-12
Monthly Cap(NASDAQ 100)
1.70%(0.50% min)
Monthly Cap(S&P 500)
1.70%(0.50% min)
Monthly Sum Cap(FTSE 100)
1.80%(0.50% min)
Annual Pt-to-Pt(NASDAQ 100)
2.75%(1.00% min)
Annual Pt-to-Pt(S&P 500)
2.75%(1.00% min)
Annual Pt-to-Pt(FTSE 100)
2.75%(1.00% min)
Annual Pt-to-Pt(Blended Index)
2.75%(1.00% min)
Monthly Average(Blended Index)
3.50%(12.00% max)
60 days from day app received in home office
FPDA
(Additional premiums accepted in first 5 contract years.)
10%on all premiums received
during the first five contract years
1.55%(0.50% min)
$15,000
Addl prem accepted in first five contract years.
10% each year, after first year, of total
premiums paid. There are no penalties as long
as the money is withdrawn after the contract anniversary following your last premium payment.
RMD penalty free if taken in December or
monthly throughout the year.
5 year deferral followed by Annuitization over at
least 10 years, OR
5 year deferral followed by 10-year interest only payments, then you may take the remaining lump
sum
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value or
guaranteed minimum value at the death of the
owner, in a lump-sum payment or income
payments (if death occurs during deferral).
No Cost Riders:
Systematic Withdrawal Benefit
Systematic Withdrawal of Credits
Nursing Home
Flexible Annuity Option
Additional Cost Riders:Flexible Withdrawal Benefit Rider
Death Benefit Rider
Annuitization without penalty after 5th contract year.
Option AYear 1
7.00% to 755.00% 76-80
Years 2-53.50% to 752.50% 76-80
Option BCall office for commission details containing trails.
Chargeback for death, Alternate
Annuitization Option III, or surrender in
the first year.
100% first6 months
50% months7-12
Monthly Cap(NASDAQ 100)
2.00%(0.50% min)
Monthly Cap(S&P 500)
2.00%(0.50% min)
Monthly Cap(FTSE 100)
2.00%(0.50% min)
Annual Pt-to-Pt(NASDAQ 100)
3.50%(1.00% min)
Annual Pt-to-Pt(S&P 500)
3.50%(1.00% min)
Annual Pt-to-Pt(FTSE 100)
3.75%(1.00% min)
Annual Pt-to-Pt(Blended Index)
3.50%(1.00% min)
Monthly Average(Blended Index)
3.50%(12.00% max)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
Allianz 7/22/2013 MasterDex X
Fixed Account No Cap None
No 87.5% @ 1.95% 0-80 $1MM
100% None
100% None
100% None
100% None
100% None
100% None
100% None
100 None
100 None
100% No Cap
American Equity No rate lock period 8/1/2013 FPDA
25% 0.00% None
No 0-80 $5,000
100% 3.00% None
15% S&P annual Pt to Pt 0.00% None
100% S&P annually pt to pt 3.00% None
100% S&P monthly pt to pt 1.45% None
100% 10 US Treas Bond 2.50% None
1.40% Fixed Account 0.00% None
American Equity No rate lock period 8/1/2013 FPDA
No Cap None
No 0-80 $5,000
100% None
100% None
100% None
No Cap None
100% None
100% None
100% None
Fixed Account No Cap None
American Equity No rate lock period 8/1/2013 FPDA None
No Cap None
No 0-80 $5,000
100% None
100% Dow Annual Monthly None
100% None
No Cap None
100% None
100% None
100% None
Fixed account No Cap None
American Equity No rate lock period 8/1/2013 FPDA
No Cap None
No 0-78 $5,000
100% None
No Cap None
100% None
100% None
Fixed Account No Cap None
American Equity No rate lock period 8/1/2013 FPDA none
No Cap None
No 0-80 $5,000
60 days from day app received in home office
FPDA
(Additional premiums accepted in first 3 contract years.)
5%on all premiums received
during the first three contract years, vested over
10 years
1.20%(0.50% min)
$20,000
Additional premium accepted in first three contract years
10% each year after first year of total premiums
paid
RMD penalty free if taken in December or
monthly throughout the year.
10 years10,10,10,8.75,7.50,6.25,5.00,3.75,2.50,1.25
Contract Surrender Charges - no rolling surrender charges
The full account value, including both vested and unvested premium bonus at the death of the owner, is available in a lump-sum
payment or income payments
No Cost Riders:Nursing Home
Flexible Annuity Option
Additional Cost Riders:Simple Income II
Flexible Withdrawal Benefit Rider
Death Benefit Rider
Annuitization without penalty after 5th contract year.
Option AYear 1
7.00% to 755.00% 76-80
Years 2-33.50% to 752.50% 76-80
Option BCall office for commission details containing trails.
Chargeback for death, Alternate
Annuitization Option III, or surrender in
the first year.
100% first6 months
50% months7-12
Monthly Cap(NASDAQ 100)
1.80%(0.50% min)
Monthly Cap(S&P 500)
1.80%(0.50% min)
Monthly Cap(S&P 500 Select)
2.30%(0.50% min)
Monthly Cap(STOXX 100)
1.90%(0.50% min)
Annual Pt-to-Pt(NASDAQ 100)
3.00%(1.00% min)
Annual Pt-to-Pt(S&P 500)
3.00%(1.00% min)
Annual Pt-to-Pt(S&P 500 Select)
1% charge
5.00%(1.00% min)
Annual Pt-to-Pt(STOXX 100)
3.25%(1.00% min)
Annual Pt-to-Pt(Blended Index)
3.00%(1.00% min)
Monthly Average(Blended Index)
3.50%
Advantage Gold
Income Rider4.50% no charge
6.50% = .60%, ages 50+
5%on all first year premiums
S&P 500 annual monthly average
84% of 1st year premiums plus 87.5% of any
additional premiums @ 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% annual withdraw after first year
1st yr.may receive systematic withdrawals
of interest and RMD available 30 days after
contract issue
10 years16,15,14,13,11.5,
10,8.5,7,5.5,4
Contract Surrender Charges - no rolling surrender charges
Full account value paid in lump sum at death
Nursing Home Terminal Illness
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
6.00% to 754.50% 76-80
Year 21.00% to 750.75% 76-80
Year 31.00% to 750.75% 76-80
Additional Premiums Years 2-5
2.75% to 752.06% 76-80
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
S&P 500 annual monthly average
Bonus Gold
Income Rider4.50% no charge
6.50% = .60%, ages 50+
10%on all first year premiums
30% Monthly Average(S&P 500)
80% of 1st year premiums and
premium bonus, plus 87.5% of any
additional premiums after 1st contract yr.
@ 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% each year after first year
Systematic withdrawals of interest and RMD
available immediately from Fixed Account
No withdrawals allowed at all in first year
16 years20,19.5,19,18.5,18,17.5,17,16,15,14,12,10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death in lump sum to
beneficiaries
Nursing Home(NCR-100) no cost, annuitants under age 75 @ issue
Terminal Illness(TIR-100) no cost, annuitants under 75 @ issue
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
6.00% to 754.50% 76-80
Year 21.00% to 750.75% 76-80
Year 31.00% to 750.75% 76-80
Additional Premiums Years 2-5
2.75% to 752.06% 76-80
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
Monthly Average(S&P 500)
3.25%(1.00% min)
Annual Monthly Avg(Dow Jones)
3.25%(1.00% min)
Annual Pt-to-Pt(Dow)
3.25%(1.00% min)
20% Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(S&P 500)
3.25%(1.00% min)
Monthly Pt-to-Pt(S&P 500)
1.70%(1.00% min)
10-YearU.S. Treasury Bond
2.75%(1.00% min.)
1.50%(1.00% min)
Integrity Gold
Income Rider4.50% no charge
6.50% = .60%, ages 50+
10%(10% min)
Monthly Average(S&P 500)
(MGSV) @ 87.5% of all premiums, less
withdrawal proceeds, @MGIR,
compounded annually
MGIR currently 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% of cv each year after first year
Systematic w/d & RMD immediately from Fixed
Value
Lifetime Income Benefit Rider (LIBR-2010)
6 years8,7,6,4.5,3,1.5
Contract Surrender Charges - no rolling surrender charges
Full account value paid to beneficiaries with no surrender charges at
death
Nursing Home Terminal Illness
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
4.13% to 753.09% 76-80
Year 20.68% to 750.51% 76-80
Year 30.68% to 750.51% 76-80
Additional Premiums Years 2-5
2.75% to 752.06% 76-80
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
Monthly Average(S&P 500)
1.00%(1.00% min)
1.00%(1.00% min)
Annual Pt-to-Pt(Dow)
1.00%(1.00% min)
10%(10% min)
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(S&P 500)
1.00%(1.00% min)
Monthly Pt-to-Pt(S&P 500)Dow Jones
1.00%(1.00% min)
10-YearU.S. Treasury Bond
1.00%(1.00% min.)
1.00%(1.00% min)
Retirement Gold
Not available in SC.
8%*on all first year premiums,
vested over 14-years, beginning in the 3rd year
Bonus is 100% vested at death and when starting
GMWB.
25%(15% min)
Monthly Average(S&P 500)
(MGSV) @87.5% of premiums pd, less
withdrawal proceeds, at MGIR
compounded annually
(MGIR) 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% each year after first year
Systematic withdrawals of interest and RMD
available immediately from Fixed Account
No withdrawals allowed at all in first year
10 years12.5,12,12,11,10,
9,8,7,6,4
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death
Nursing Home(NCR-100) no charge under age 75 at issue Terminal Illness (TIR-100) no charge under age 75 at issue
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
6.00% to 78Year 2
1.00% to 78Year 3
1.00% to 78
Additional Premiums Years 2-5
2.75% to 78
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
Monthly Average(S&P 500)
3.00%(1.00% min)
15%(15% min)
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(S&P 500)
3.00%(1.00% min)
Monthly Pt-to-Pt(S&P 500)
1.45%(1.00% min)
1.35%(1.00% min)
Traditions GoldFPDA
50%(35% min)
Monthly Average(S&P 500)
87.5% of any additional premiums
@ 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% each year after first year
Systematic withdrawals of interest and RMD
available immediately from Fixed Account
No withdrawals allowed at all in first year
10 years9,8.25,7.25,6.25,5.25,4.2
5,3.25,2.25,1,0.5, 0%
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death
Nursing Home Terminal Illness
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
4.50% to 753.40% 76-80
Year 20.75% to 750.55% 76-80
Year 30.75% to 750.55% 76-80
Additional Premiums Years 2-5
2.60% to 751.95% 76-80
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
American Equity No rate lock period 8/1/2013 FPDA none
100% None
No 0-80 $5,000
No Cap None
100% None
100% None
100% None
Fixed Account No Cap None
American Equity No rate lock period 8/1/2013 FPDA
No Cap None
No 0-80 $5,000
100% None
No Cap None
100% None
100% None
100% None
Fixed Account No Cap None
American General 8/12/2013 SPDA 3%
100% None
Yes 0-75 $20,000 $1MM 8.00% 0-75
No Cap None
No Cap None
Fixed account No Cap None
American General 8/12/2013 SPDA 4%
100%
None Yes 87.5% @ 1.% $25,000 $1MM
100%
Fixed Account No Cap
American General 8/12/2013 SPDA 2%
100%
None Yes 87.5% @ 1.% 0-85 $5,000 Extended Care Rider100%
Fixed Account No Cap
American General 8/12/2013 SPDA 4% None Yes 87.5% @ 1.% 0-85 $5,000 Extended Care Rider
American General 8/12/2013 SPDA None
Fixed Account No Cap None
Yes 0-85 $15,000 Extended Care Rider
100% None
80% None
No Cap None
No Cap None
American General 8/12/2013 SPDA None
Fixed Account No Cap None
Yes 0-80 $15,000 Extended Care Rider
100% None
80% None
No Cap None
No Cap None
American General 8/12/2013 SPDA 5%
100% 2.65% None
Yes 100% @ 1% 0-80 $15,000
100% None
Traditions GoldFPDA
87.5% of any additional premiums
@ 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% each year after first year
Systematic withdrawals of interest and RMD
available immediately from Fixed Account
No withdrawals allowed at all in first year
10 years9,8.25,7.25,6.25,5.25,4.2
5,3.25,2.25,1,0.5, 0%
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death
Nursing Home Terminal Illness
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
4.50% to 753.40% 76-80
Year 20.75% to 750.55% 76-80
Year 30.75% to 750.55% 76-80
Additional Premiums Years 2-5
2.60% to 751.95% 76-80
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
Monthly Average(S&P 500)
4.25%(1.00% min)
30%(25% min)
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(S&P 500)
4.25%(1.00% min)
Monthly Pt-to-Pt(S&P 500)
2.30%(1.00% min)
10-YearU.S. Treasury Bond
4.00%(1.00% min.)
2.20%(1.00% min)
Traditions Gold Plus
Only approved in NV, OR, PA, SC, TX, UT, WA, AK,
MN
8%on all first year premiums,
vested over 10 years
25%(15% min)
Monthly Average(S&P 500)
87.5% of any additional premiums
@ 1.50%
$1,500,000 0-69
$1,000,000 70-74
$750,000 75-80
10% each year after first year
Systematic withdrawals of interest and RMD
available immediately from Fixed Account
10 years9,8.25,7.25,6.25,5.25,4.2
5,3.25,2.25,1, 0.5, 0%
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death in lump sum to
beneficiaries
Nursing Home Terminal Illness
Optional Lifetime Income Benefit
Available for Annuitants until the age of 75
Can annuitize for full account value as long as life option is chosen or you choose a period
certain option that is double the time
remaining on the original contract.
COMP FOR 3 YEARSYear 1
4.50% to 753.40% 76-80
Year 20.75% to 750.55% 76-80
Year 30.75% to 750.55% 76-80
Additional Premiums Years 2-5
2.60% to 751.95% 76-80
Death or Suicide is charged back 100% in the first month and
reduced by 1/12 each month thereafter.
Monthly Average(S&P 500)
3.00%(1.00% min)
15%(15% min)
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(S&P 500)
3.00%(1.00% min)
Monthly Pt-to-Pt(S&P 500)
1.45%(1.00% min)
10-YearU.S. Treasury Bond
2.50%(1.00% min.)
1.35%(1.00% min)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
VisionMaximizer
Lifetime Income Builder Rider Avail.
Not available in SC and other states
Annual Pt-to-Pt(S&P 500)
2.60%(1% min)
87.5% @ 1%10% Free W/D in ALL
years
Annuity Value 5x5
10 years 17,16,15,14,13,10,9,8,7,6
Full account value at death of first owner
Extended Care Rider
Allowed without withdrawal charges of
MVA if after the 5th contract year and is
either life-contingent or for a minimum of 5
years
100% Chargeback in first 12 months for
Annuitization, death or for any full or
partial withdrawals, excluding any free withdraw amounts.
100%(4.40%avg. spread)
Monthly Average(S&P 500)
24%(10% min )
Adjustable Participation Rate
(S&P 500)
1.35% guaranteed for 5 contract years
(1% min)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
AG Choice Index 10
Not available in SC and other states
Annual Pt-to-Pt(S&P 500)
5.40%(1% min)
0-75(50-75 if AG
Lifetime Income Plus
Rider is selected)
10% each year after first year
10 years10,9,8,
7,6,5,4,3,2,1Full account value at death of first owner
Terminal Illness
Extended Care Rider
Annuitization without penalty or MVA if
annuitized after 5th year for life contingent
or at least 5 years.
6.50% 0-704.50% 71-75
100% chargeback in first 6 months, and
50% in months 7-12 for any withdrawals
for any reason, including penalty-
free withdrawals and death.
Monthly Cap(S&P 500)
2.85%(1% min)
2.50% (1% min)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
Horizon Index 9
Not available in SC and other states
Bi-annual***point to point(S&P 500)
12.00%(1% min)
$1MM age 75<$500k ages 75+
10% each year after first year
9 years10,10,9,8,7,6,5,4,2
SC Modified Charges:8,8,7,6,5,4,3,2,1
Full account value at death of first owner
Annuitization without penalty or MVA if
annuitized after 5th year for life contingent
or at least 5 years.
9-year term
4.50% 0-752.75% 76-802.50% 81-85
100% chargeback in first 6 months, and
50% in months 7-12 for any withdrawals
for any reason, including penalty-
free withdrawals and death.
Monthly Cap(S&P 500)
1.90%(1% min)
2.50% for 6 years(1% min)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
Horizon Index 12
Not available in SC and other states
Fixed account is 2.40% for 9 years(1% min)
Same options as the9-year term
11.50%pt to pt1.85% monthly cap $1MM age 75<
$500k ages 75+10% each year after first
year
12 years12,12,12,12,
12,11,10,9,8,7,5,3
Full account value at death of first owner
Annuitization without penalty or MVA if
annuitized after 5th year for life contingent
or at least 5 years.
12-year term
6.50% 0-754.00% 76-803.00% 81-85
100% chargeback in first 6 months, and
50% in months 7-12 for any withdrawals
for any reason, including penalty-
free withdrawals and death.
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
VisionAdvantage 7
1.10%(1% min)
87.5% @ 1% $1MM age 75<$500k ages 75+
10% Free W/D in All years
Annuity Value 5x5
Systematic withdrawals available including year
1.
7 years9,8,7,6,5,4,3
Equal to annuity value in a single sum
Allowed without withdrawal charges of
MVA if after the 5th contract year and is
either life-contingent or for a minimum of 5
years
5.50% 0-754.00% 76-85
100% Chargeback in first 12 months for
death or for any full or partial
withdrawals, excluding any penalty-free
amounts.
Annual Pt-to-Pt(S&P 500)
2.10%(1% min)
Annual Pt-to-Pt(S&P 500)
2.20%(1% min)
20% Adjustable Participation Rate (S&P 500)
100%(5.00% av spread)
Monthly Average(S&P 500)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
VisionAdvantage 9
1.55%(1% min)
87.5% @ 1% $1MM age 75<$500k ages 75+
10% Free W/D in All years
Annuity Value 5x5
Systematic withdrawals available including year
1.
9 years10,9,8,7,6,5,4,3,2
SC Modified Charges:9,8,7,6,5,4,3,2,1
Equal to annuity value in a single sum
Allowed without withdrawal charges of
MVA if after the 5th contract year and is
either life-contingent or for a minimum of 5
years
6.50% 0-75 5.00% 76-80
SC 6.00% 0-75SC 4.50% 76-80
100% Chargeback in first 12 months for
death or for any full or partial
withdrawals, excluding any penalty-free
amounts.
Annual Pt-to-Pt(S&P 500)
3.00%(1% min)
Annual Pt-to-Pt(S&P 500)
3.10%(1% min)
27%(10% min)
Adjustable Participation Rate (S&P 500)
100%(3.80% av spread)
Monthly Average(S&P 500)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
Global Bonus Index
GMWB included*
Not available in SC and other states
Annual Pt-to-Pt (Global Multiple Index)
$1MM age 75<$500k ages 75+
10% each year including the first year
Systematic withdrawals available including year
1.
10 years10,10,10,10,10,9,8,7,6,4
Full account value at death of first owner
Extended Care Rider
Allowed without withdrawal charges of
MVA if after the 5th contract year and is
either life-contingent or for a minimum of 5
years
5.25% 0-753.00% 76-80
100% Chargeback in first 12 months for
death or for any full or partial
withdrawals, excluding any
penalty-free amounts and 50% in year two.
Monthly Cap(S&P 500)
1.65%(0.5% min)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
American General 8/12/2013 SPDA 5%
No Cap None
Yes 100% @ 1% 0-80 $15,000
Fixed Account No Cap None
American General 8/12/2013 FPDA None
100% None
No 0-80
100% None
No Cap None
Fixed Account No Cap None
American National No rate lock period. 8/1/2013 ANICO EIA SPDA None None None No $10,000 $1MM
American National No rate lock period. 7/1/2013 SPDA None 50% None None No $1MM
American National No rate lock period. 7/1/2013 SPDA None 100% None None No $1MM
American National No rate lock period. 7/1/2013 Strategy 7 SPDA None
100% None
No 90% @ 1.00% 0-85 $1MM
Fixed Account No Cap None
American National No rate lock period. 7/1/2013 Strategy 10 SPDA None
100% None
No 90% @ 1.00% 0-85 $1MM
Fixed Account No Cap None
Aviva 7/9/2013 Income Preferred Six FPDA None
100% None
Yes 87.5% @ 1.00% 0-80 $1MM
100% None
100% None
Fixed Account No Cap None
Aviva 7/9/2013 Income Preferred Ten FPDA None
100% None
Yes 87.5% @ 1.00% 0-78 $1MM
100% None
100% None
Fixed Account No Cap None
Aviva 7/9/2013 Income Preferred Bonus FPDA
100% None
Yes 87.5% @ 1.00% 0-78 $1MM
100% None
100% None
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
Global Bonus Index
GMWB included*
Not available in SC and other states
$1MM age 75<$500k ages 75+
10% each year including the first year
Systematic withdrawals available including year
1.
10 years10,10,10,10,10,9,8,7,6,4
Full account value at death of first owner
Extended Care Rider
Allowed without withdrawal charges of
MVA if after the 5th contract year and is
either life-contingent or for a minimum of 5
years
5.25% 0-753.00% 76-80
100% Chargeback in first 12 months for
death or for any full or partial
withdrawals, excluding any
penalty-free amounts and 50% in year two.
40% Adjustable Participation Rate
(S&P 500)
2.20%(1.00% min)
No rate lock period.
Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our
office for details.
Global 8 Index
GMWB included*no upfront cost
payments can increase with age & higher annuity
value
Annual Pt-to-Pt (Global Multiple Index)
2.80%
87.5% @ 1%
$5,000 initial premium, then $2,000 minimum additional
deposits
After initial premium is met, EFT $100/month
<$5,000EFT min. $300/month
$1MM age 75<$500k ages 75+
10% Free W/D in All years each year
including the first year
8 years8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling surrender charges
Full account value at death of first owner
Extended Care Rider
AGL: Annuity Value 5x5USL: Annuity Value 1x5
Allowed without withdrawal charges of
MVA if after the 5th contract year and is
either life-contingent or for a minimum of 5
years
3.50% 0-752.50% 76-80
(yrs 2-5)0-75 1.75%76+ 1.75%
100% Chargeback in first 12 months for
death or for any full or partial
withdrawals, excluding any penalty-free
amounts.
*Subsequent commissions based on attained age at time subsequent
premiums are paid.
Monthly Cap(S&P 500)
1.90%(0.5% min)
45%(10% min)
Adjustable Participation Rate
(S&P 500)
2.40%(1.00% min)
Triggered Index Bucket2.50% guaranteed
interest rate each year the S&P is flat or goes
up
Annual Pt-to-Pt(S&P 500)
90% of premium pd @ MGIR
0-85
Maturity:95 Owner
10% of AV value each year after first year
6 years8,8,7,6,4,2
Full account value at death of owner
Nursing Home,
Disability
Terminal Illness
Annuitization after 5th contract year for at
least 5 years.
5.00% to 793.00% 80-85
100% chargeback in first year for any
surrenders
ValueLock 7Lock in gains anytime after
2nd contract year. Annually renewal declared
rate after 7th year.
Term point to point with monthly averaging
(S&P 500)
88.75% of premium @ min. guaranteed
interest rate
0-80
Maturity95 owner
$5,000 NQ$4,000 Q
10% each year after first year
7 years8,8,7,6,5,4,2
Payable on death of the Owner of the contract.
Amt. of DB will depend on whether death occurs
prior to lock-in, or after.
Nursing Home,
Disability
Terminal Illness
Annuitization allowed without surrender or MVA after 7th year.
6.00% 0-754.00% 76-80
100% chargeback in first year for any
surrenders
ValueLock 10Lock in gains anytime during the index term.
Annually renewable declared rate after 10th
year.
Term point to point with monthly averaging
(S&P 500)
90% of premium @ 1.00% per year
0-80Maturity 95
owner
$5,000 NQ$4,000 Q
10% each year after first year
10 years12,12,11,10,9,8,7,6,5,3
Full account value at death of owner
Nursing Home,
Disability
Terminal Illness
Annuitization allowed without surrender or MVA after 10th year.
10.00% 0-758.00% 76-80
100% chargeback in first year for any
surrenders
Annual Pt-to-Pt(S&P 500)
1.75%(1.00% min.)
$5,000 NQ$4,000 Q
10% each year after first year
7 years7,7,6,5,4,3,2
Full account value paid at death of owner
Nursing HomeDisability
Optional:Lifetime Income and Enhanced Death Benefit
Annuitization allowed without surrender penalties after 7th
year.
5.00% 0-754.00% 76-803.00% 81-85
Ask us about trail commission options.
100% chargeback in the first 12 policy months for any withdrawal that
incurs a surrender charge.1.00%
(1.00% min.)
Annual Pt-to-Pt(S&P 500)
1.75%(1.00% min.)
$5,000 NQ$4,000 Q
10% each year after first year
10 years9,9,8,7,6,5,4,3,2,1
Full account value paid at death of owner
Nursing HomeDisability
Optional:Lifetime Income and Enhanced Death Benefit
Annuitization allowed without surrender
penalties after 10th year.
8.00% 0-756.50% 76-805.00% 81-85
Ask us about trail commission options.
100% chargeback in the first 12 policy months for any withdrawal that
incurs a surrender charge.1.00%
(1.00% min.)
30 days from date application signed
Annual Pt-to-Pt(S&P 500)
$75,000+2.00%
>$74,9992.00%
(2.00% min)
$5,000
$1,000 minimum additional premium
Beginning in the first year, up to 5% of the accumulated value.
Starting in the second year, up to 10% of the
prior anniversary's accumulated value may
be taken.
6 Years9,8,7,6,4.7,3.5
Contract Surrender Charges - no rolling surrender charges
Full account value at death
Confinement Waiver
Terminal Illness Waiver
Can annuitize full account value after the
first contract year.
Age 0-755.00% year 1
2.50% years 2-3
Age 76-803.50% year 1
1.75% years 2-3
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
Monthly Cap(S&P 500)
$75,000+1.25%
>$74,9991.00%
(1.00% min)
Monthly Average(S&P 500)
$75,000+2.50%
>$74,9992.00%
(1.00% min)
$75,000+1.00%
>$74,9991.00%
(1.00% min)
30 days from date application signed
Annual Pt-to-Pt(S&P 500)
$75,000+2.50%
>$74,9992.00%
(2.00% min)
$5,000
$1,000 minimum additional premium
Beginning in the first year, up to 5% of the accumulated value.
Starting in the second year, up to 10% of the
prior anniversary's accumulated value may
be taken.
10 Years9.6,9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling surrender charges
Full account value at death
Confinement Waiver
Terminal Illness Waiver
Can annuitize full account value after the
first contract year.
Age 0-757.50% year 1
3.75% years 2-5
Age 76-785.50% year 1
2.75% years 2-5
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
Monthly Cap(S&P 500)
$75,000+1.25%
>$74,9991.00%
(1.00% min)
Monthly Average(S&P 500)
$75,000+2.50%
>$74,9992.00%
(1.00% min)
$75,000+1.10%
>$74,9991.00%
(1.00% min)
30 days from date application signed
4% on all first year premiums
4% in SC
Annual Pt-to-Pt(S&P 500)
$75,000+2.50%
>$74,9992.00%
(2.00% min)
$5,000
$1,000 minimum additional premium, up to $100,000 in
any contract year
Beginning in the first year, up to 5% of the accumulated value.
Starting in the second year, up to 10% of the
prior anniversary's accumulated value may
be taken.
10 Years12,12,12,11,10,9,
8,7,6,5,4
Premium Bonus Recapture
6.5% first 8 years4.6% year 92.3% year 10
Contract Surrender Charges - no rolling surrender charges
Full account value at death
Confinement Waiver
Terminal Illness Waiver
Can annuitize full account value after the
first contract year.
Age 0-757.00% year 1
3.50% years 2-5
Age 76-785.00% year 1
2.50% years 2-5
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
Monthly Cap(S&P 500)
$75,000+1.25%
>$74,9991.00%
(1.00% min)
Monthly Average(S&P 500)
$75,000+2.50%
>$74,9992.00%
(1.00% min)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
Aviva 7/9/2013 Income Preferred Bonus FPDA
Fixed account No Cap None
Yes 87.5% @ 1.00% 0-78 $1MM
Aviva 7/9/2013 Lifetime Solutions Annuity FPDA
100% None
Yes 87.5% @ 1.00% 0-78 $25,000 $1MM100% None
Fixed account No Cap None
Aviva 7/9/2013 SPDA
50% None
Yes 87.5% @ 1.00% $1MM
50% None
100% None
100% None
100% None
100% None
Fixed account No Cap None
Aviva 7/9/2013 TargetHorizon15 SPDA
100% None
Yes 87.5% @ 1.00% $1MM
100% None
100% None
100% None
100% None
100% None
Fixed account No Cap None
Athene Annuity 7/30/2013 Accumulator 5 SPDA None
100% None
Yes 0-80 $10,000 $1MM100% None
Fixed Account No Cap None
Athene Annuity 7/30/2013 SPDA None
100% None
Yes 30-80 $10,000 $1MM100% None
Fixed Account No Cap None
Athene Annuity 7/30/2013 Choice 10 SPDA None
100% None
Yes $1MM
30 days from date application signed
4% on all first year premiums
4% in SC
$5,000
$1,000 minimum additional premium, up to $100,000 in
any contract year
Beginning in the first year, up to 5% of the accumulated value.
Starting in the second year, up to 10% of the
prior anniversary's accumulated value may
be taken.
10 Years12,12,12,11,10,9,
8,7,6,5,4
Premium Bonus Recapture
6.5% first 8 years4.6% year 92.3% year 10
Contract Surrender Charges - no rolling surrender charges
Full account value at death
Confinement Waiver
Terminal Illness Waiver
Can annuitize full account value after the
first contract year.
Age 0-757.00% year 1
3.50% years 2-5
Age 76-785.00% year 1
2.50% years 2-5
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
$75,000+1.25%
>$74,9991.00%
(1.00% min)
30 days from date application signed
$100,000+4%
on all premiums received in the first year
<$100,0003%
on all premiums received in the first year
Annual Pt-to-Pt(S&P 500)
$75,000+2.25%
>$74,9992.25%
(2.00% min) Beginning in the first year, up to 5% of the accumulated value.
Starting in the second year, up to 10% of the
prior anniversary's accumulated value may
be taken.
10 Years12,12,12,11,10,9,
8,7,6,5,4
Vesting Schedule25% year 850% year 975% year 10
100% years 11+
Contract Surrender Charges - no rolling surrender charges
1 X (premium + premium bonus)
Confinement Waiver
Terminal Illness Waiver
Can annuitize full account value after the
first contract year.
Age 0-757.00%
Age 76-785.00%
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
Monthly Cap(S&P 500)
$75,000+1.20%
>$74,9991.20%
(1.00% min)
$75,000+1.05%
>$74,9991.05%
(1.00% min)
30 days from date application signed
TargetHorizon10Target Horizon10 Select in
AK, SC
$50,000+4%
<$50,0003%
Vesting Schedule:0,0,0,0,0,0,
20,40,60,80,100No Bonus for
Target Horizon10 Select
5-Year No Cap PTP Index
$50,000+3.30%
>$50,9993.30%
(10% max spread)
0-7856-78 in AK,
SC$5,000
Beginning in the second year, up to 5%
accumulated value may be taken.
(0-78)10 Years
10,10,10,10,9,8,7,6,5,4
(56-78)10 Years9.4,8.9,8,
7,6,5,4,3,2,1
Contract Surrender Charges - no rolling surrender charges
Death Benefit Floor Feature:
1% Simple Interest To Your Remaining Premium
Full account value at death
Confinement Waiver
Terminal Illness Waiver
Can annuitize after the first year for a
minimum of 8 year certain, and after the 5th contract year the minimum is 5 year
certain.
Target Horizon 10:Age 0-75
6.50%
Age 76-784.50%
Target Horizon 10 Select:Age 56-76
6.50%
Age 76-784.50%
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
1-Year No Cap PTP Index
$50,000+3.40%
>50,0003.40%
(10% max spread)
1-Year Multiple Index PTP
$50,000+3.25%
>50,0003.25%
(0.50% min)
Annual Pt-to-Pt(S&P 500)
$50,000+3.25%
>$50,9993.25%
(0.50% min)
Monthly Cap(S&P 500)
$50,000+1.55%
>$50,9991.55%
(0.25% min)
Monthly Average(S&P 500)
$50,000+3.60%
>$50,9993.60%
(0.50% min)
$75,000+1.60%
>$74,9991.60%
(0.25% min)
30 days from date application signed
$50,000+7%
on all premiums received in the first year
<$50,0006%
on all premiums received in the first year
5-Year No Cap PTP Index
$50,000+1.85%
>$50,9991.85%
(10% max spread)
0-73
0-50 in AK, SC, NJ
0-64 in FL
0-47 in OH
$5,000 Beginning in the second
year, up to 5% of the accumulated value.
15 Years:15,15,14,13,
13,12,11,10,9,
8,7,6,5,4
Contract Surrender Charges - no rolling surrender charges
Full account value at death
Confinement Waiver
Terminal Illness Waiver
Can annuitize after the first year for a
minimum of 8 year certain, and after the 5th contract year the minimum is 5 year
certain.
Age 0-737.00%
100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.
1-Year No Cap PTP Index
$50,000+2.05%
>50,0002.05%
(10% max spread)
1-Year Multiple Index PTP
$50,000+4.35%
>50,0004.35%
(0.50% min)
Annual Pt-to-Pt(S&P 500)
$50,000+4.30%
>$50,9994.30%
(0.50% min)
Monthly Cap(S&P 500)
$50,000+1.95%
>$50,9991.95%
(0.25% min)
Monthly Average(S&P 500)
$50,000+5.10%
>$50,9995.10%
(0.50% min)
$75,000+2.00%
>$74,9992.00%
(0.25% min)
60 days from date application is signed
Annual Pt-to-Pt(S&P 500)
5.00%(1.00% min.)
90% of premiums at 1.00%
10% each year after the first ($500 min.)
Systematic withdrawals can begin after first year
($100 min.)
RMD available immediately
SEPP's
5-Years: 9,8,7,6,5
The greater of the accumulation value or the
minimum guaranteed cash surrender value.
Confinement
Terminal Illness
Available after first 12 months, withdrawal
charges do not apply if a payment option of
income for life is selected. After the first
5 contract years withdrawal charges do
not apply if income payment option with
guaranteed period of at least 5 years is
selected.
3.00% to 751.75% 76-80
Full Surrender and Death:
100% 0-6 months50% 7-12 months
Annuitization:100% first 24 months
Partial Withdrawals:100% 0-6 months
Monthly Cap Additive(S&P 500)
2.20%(0.50% min.)
2.00% (1.00% min.)
60 days from date application is signed
Benefit 10
Enhanced Benefit Rider:Premium Bonus: 6.00%
Rollup: 7.50%Rider Cost: 1.40%
Annual Pt-to-Pt(S&P 500)
3.65%(1.00% min.)
87.5% of premiums at 1.00%
10% each year after the first ($500 min.)
Systematic withdrawals can begin after first year
($100 min.)
RMD available immediately
SEPP's
10-Years: 9,9,8,7,6,5,4,3,2,1
The greater of the accumulation value or the
minimum guaranteed cash surrender value.
Confinement
Terminal Illness
Available after first 12 months, withdrawal
charges do not apply if a payment option of
income for life is selected. After the first
5 contract years withdrawal charges do
not apply if income payment option with
guaranteed period of at least 5 years is
selected.
6.00% to 753.50% 76-80
Full Surrender and Death:
100% 0-6 months50% 7-12 months
Annuitization:100% first 24 months
Partial Withdrawals:100% 0-6 months
Monthly Cap Additive(S&P 500)
2.05%(0.50% min.)
1.70% (1.00% min.)
60 days from date application is signed
Annual Pt-to-Pt(S&P 500)
6.25%(2.00% min.)
87.5% of premiums at 1.00% 0-80
$5,000
5 additional deposits allowed in the first 12 months, credited
to fixed account until next anniversary
10% each year after the first ($500 min.)
Systematic withdrawals can begin after first year
($100 min.)
RMD available immediately
SEPP's
10-Years: 10,10,9.5,9,8,7,6,5,4,2
The greater of the accumulation value or the
minimum guaranteed cash surrender value.
Confinement
Terminal Illness
Available after first 12 months, withdrawal
charges do not apply if a payment option of
income for life is selected. After the first
5 contract years withdrawal charges do
not apply if income payment option with
guaranteed period of at least 5 years is
selected.
Option A7.00% to 754.00% 76-80
Option BCall office for commission details containing trails.
(Different for CA, WA and TX)
Full Surrender and Death:
100% 0-6 months50% 7-12 months
Annuitization:100% first 24 months
Partial Withdrawals:100% 0-6 months
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
Athene Annuity 7/30/2013 Choice 10 SPDA None
100% None
Yes $1MM100% None
100% None
Fixed Account No Cap None
Athene Annuity 7/30/2013 Enhanced Choice 8 SPDA
100% None
$5,000 $1MM
100% None
Yes
100% None
100% None
Fixed Account No Cap None
Athene Annuity 7/30/2013 Enhanced Choice 12 SPDA
100% None
Yes 0-80 $5,000 $1MM
100% None
100% None
100% None
Fixed Account No Cap None
F&G Life 8/1/2013 FPDA None
100%
None No 0-85 $1MM
100%
100%
100% Declared Rate on Gain
Fixed Account No Cap
F&G Life 8/1/2013 FPDA None
100%
None No 0-80 $1MM
100%
100%
100% Declared Rate on Gain
Fixed Account No Cap
F&G Life 8/1/2013 FPDA
100%
None No $1MM
100% Monthly Average
100%
100%
100%
100% Declared Rate on Gain
Fixed Account No Cap
60 days from date application is signed
87.5% of premiums at 1.00% 0-80
$5,000
5 additional deposits allowed in the first 12 months, credited
to fixed account until next anniversary
10% each year after the first ($500 min.)
Systematic withdrawals can begin after first year
($100 min.)
RMD available immediately
SEPP's
10-Years: 10,10,9.5,9,8,7,6,5,4,2
The greater of the accumulation value or the
minimum guaranteed cash surrender value.
Confinement
Terminal Illness
Available after first 12 months, withdrawal
charges do not apply if a payment option of
income for life is selected. After the first
5 contract years withdrawal charges do
not apply if income payment option with
guaranteed period of at least 5 years is
selected.
Option A7.00% to 754.00% 76-80
Option BCall office for commission details containing trails.
(Different for CA, WA and TX)
Full Surrender and Death:
100% 0-6 months50% 7-12 months
Annuitization:100% first 24 months
Partial Withdrawals:100% 0-6 months
Monthly Cap(S&P 500)
3.00%(0.50% min.)
Quarterly AdditivePt-to-Pt -Annually Reset
(Dow Jones)
2.60%(1.00% min.)
Monthly Average(Dow Jones)
5.50%(5.00% min)
2.15% year 1(1.00% min.)
60 days from date application is signed
2%on initial deposit only
Annual Pt-to-Pt(S&P 500)
6.00%(2.00% min.)
87.5% of premiums at 1.00% 0-80
10% of accumulation value after the first year
($500 min.)
Systematic withdrawals can begin after first year
($100 min.)
RMD available immediately
SEPP's
8-Years: 10,9,8,7,6,5,4,2
The greater of the accumulation value or the
minimum guaranteed cash surrender value.
Confinement
Terminal Illness
Available after first 12 months, withdrawal
charges do not apply if a payment option of
income for life is selected. After the first
5 contract years withdrawal charges do
not apply if income payment option with
guaranteed period of at least 5 years is
selected.
Option A5.50% to 752.50% 76-80
Option BCall office for commission details containing trails.
(Different for CA, WA and TX)
Full Surrender and Death:
100% 0-6 months50% 7-12 months
Annuitization:100% first 24 months
Partial Withdrawals:100% 0-6 months
Monthly Cap(S&P 500)
2.60%(0.5% min.)
Quarterly AdditivePt-to-Pt -Annually Reset
(Dow Jones)
2.45%(1.00% min.)
Monthly Average(Dow Jones)
5.50%(5% min)
1.65% (1.00% min.)
60 days from date application is signed
5%on initial deposit only
Annual Pt-to-Pt(S&P 500)
5.75%(2.00% min.)
87.5% of premiums at 1.00%
10% each year after the first ($500 min.)
Systematic withdrawals can begin after first year
($100 min.)
RMD available immediately
SEPP's
12-Years: 14,13,12,11,10,
9,8,7,6,5,4,3
The greater of the accumulation value or the
minimum guaranteed cash surrender value.
Confinement
Terminal Illness
Available after first 12 months, withdrawal
charges do not apply if a payment option of
income for life is selected. After the first
5 contract years withdrawal charges do
not apply if income payment option with
guaranteed period of at least 10 years is
selected.
Option A7.00% to 754.00% 76-80
Option BCall office for commission details containing trails.
(Different for CA, WA and TX)
Full Surrender and Death:
100% 0-6 months50% 7-12 months
Annuitization:100% first 24 months
Partial Withdrawals:100% 0-6 months
Monthly Cap(S&P 500)
2.25%(0.50% min.)
Quarterly AdditivePt-to-Pt -Annually Reset
(Dow Jones)
2.10%(1.00% min.)
Monthly Average(Dow Jones)
5.50%(5% min)
1.30% (1.00% min.)
60 days from date application is received by
home office.
AccumulatorPlus 10
DE & SC Lite surrender schedule
Monthly Cap(S&P 500)
2.10%(1.00% min)
87.5% @ 1.00% $10,000
($2,000 minimum per bucket)
10% per year of the previous anniversary's
account value
Withdraw up to 4 times per year
Min W/D: $500
Minimum Balance after Withdrawal:
$2,000(per option)
10 years12,11,10,9,8,7,6,5,4,3
Surrender charges in FL, MA, NV, OK, TX & UT
are:9,9,8,7,6,5,3,2,1
Lite StatesSC & DE
9,9,8,7,6,5,4,3,2,1,0
Full account value at death
Nursing Home
Terminal Illness
Unemployment
Income for LifeGLMB Rider
6.75% roll-up rate.70% cost
After 5th contract year without penalty
6.50% to 753.50% 76+
Commission varies in MA, NV, OK, UT and TX. Check commission schedule for details.
Lite Commission5.50% to 753.00% 76+
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD. No chargeback at
death.
Monthly Average(S&P 500)
4.75%(3.00% min)
Annual Pt-to-Pt(S&P 500)
4.50%(3.00% min)
3.50%(1.00% min)
2.25%(1.00% min)
60 days from date application is received by
home office.
AccumulatorPlus 14
**Not available in FL for ages 65+.
Not Available in SC or DE
Monthly Cap(S&P 500)
2.50%(1.00% min)
87.5% @ 1.00% $10,000
($2,000 minimum per bucket)
10% per year of the previous anniversary's
account value
Withdraw up to 4 times per year
Min W/D: $500
Minimum Balance after Withdrawal:
$2,000(per option)
14 years14.75, 13.75, 12.75,
11.75, 10.75, 10, 9, 8, 7, 6, 5, 4, 3, 2
Full account value at death
Nursing Home
Terminal Illness
Unemployment
Income for LifeGLMB Rider
6.75% roll-up rate.70% cost
After 5th contract year without penalty
7.50% to 754.00% 76+
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD. No chargeback at
death.
Monthly Average(S&P 500)
6.00%(3.00%)
Annual Pt-to-Pt(S&P 500)
5.50%(3.00% min)
4.00%(1.00% min)
2.60%(1.00% min)
60 days from date application is received by
home office.
FG Index Choice 10
DE & SC Lite surrender schedule
3%on all first year premiums
Monthly Cap(S&P 500)
1.60%(1.00% min)
87.5% of premium plus interest
between 1% and 3%, less
withdrawals
0-85 (NQ)18-85 (Q)
$10,000
($2,000 min per bucket)
Allows additional deposits of $2,000 or more for first year
only.
10% each year after first year
Systematic w/d of interest or a specific amount allowed after
first year. Min withdraw amount $500.00
10 years
9,9,8,7,6,5,4,3,2,1,0
Lite States9,9,8,7,6,5,4,3,2,1,0
Full account value paid at death
Nursing Home
Terminal Illness
Unemployment
Income for Life(must be elected at issue)GLMB Rider
6.75% roll-up rate.70% cost
After 5th contract year without penalty
For Florida:8.00% 0-646.25% 65-753.125% 76-85
All states except:AK,Fl,MA,NV,OH,,
TX,UT, OK8% 0-75
4.00% 76-85
Lite States DE & SC6.25% 0-75
3.125% 76-85
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD. No chargeback at
death.
3.25%(3.00% min)
Annual Pt-to-Pt(S&P 500)
3.00%(3.00% min)
Bi-Annual Pt-to-Pt(S&P 500)
6.25%(3.00% min)
Tri-Annual Pt-to-Pt(S&P 500)
10.00%(3.00% min)
2.25%(1.00%)
1.50%(1.00% min)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
F&G Life 8/1/2013 FPDA
100% 1.60%
None No $1MM
100% 3.50%
100% 3.00%
100%
100%
100% Triggered Index Bucket 2.75%
Fixed Account No Cap
F&G Life 8/1/2013 FPDA
100%
None No $1MM
100%
100%
100%
100%
100% Triggered Index Bucket
Fixed Account No Cap
F&G Life 7/1/2013 FPDA
100%
None No $1MM
100%
100%
100%
100%
100% Triggered Index Bucket
Fixed Account No Cap
F&G Life 8/1/2013 SPDA None 100% None No $1MM 9, 9,8,7,6,5,4,3,0
F&G Life 8/1/2013 SPDA 100% None No $1MM
F&G Life 8/1/2013 SPDA 100% None No $1MM
F&G Life 8/1/2013 FPDA
100%
None No $1MM
100%
100%
60 days from date application is received by
home office.
Prosperity Elite 7
DE & SC Lite StatesSee lite surrender
charges & Lite Compensation Schedule
*2.00% to 751.00% 76-85
if the Enhancement Package is elected (cost
= .40 bps)
**4.00% to 752.00% 76-85
if the Protection Package is elected (cost = 1.10bps)
BONUS ONLY ON INITIAL PREMIUM
Monthly Cap(S&P 500)
87.5% @ 1.00% in floating rate states
on indexed accounts
1.00% for fixed option
0-85 (NQ)18-85 (Q)
$10,000NQ or Q
($2,000 minimum per bucket)
$2,000 min additional premium
10% each year after first year
Systematic w/d of interest or a specific amount allowed after
first year.
7 years
10,9,8,7,6,5,4
Bonus Vesting Schedule:14%,29%,43%,57%,
71%,86%,100%
Contract Surrender Charges - no rolling surrender charges
Lite State Surrender Charges DE & SC
9,9,8,7,6,5,4,
The greater of the annuity's fully vested
account value, 2) minimum guaranteed
surrender value, or 3) the initial premium plus
premium bonus growing at 5% simple interest up to 10 years or until age
85, whichever occurs first.
Nursing Home
Terminal Illness
Unemployment
Home Health Care
Enhancement Package(Enhanced death benefit)
Protection Package(Income for life, Enhanced death benefit, Double income for LTC)
GLMB Rider6.75% roll-up rate
.70% cost
After 5th contract year without penalty. This
contract will be automatically
annuitized if nothing is done with the policy
after the maturity date.
4.50% to 752.50% 76+
Lite States: DE & SCRemains the Same @ this
time.
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD. No chargeback at
death.
Monthly Average(S&P 500)
Annual Pt-to-Pt(S&P 500)
Bi-Annual Pt-to-Pt(S&P 500)
8.50%(3.00% min)
Tri-Annual Pt-to-Pt(S&P 500)
12.50%(3.00% min)
1.50%(1.00% min)
60 days from date application is received by
home office.
Prosperity Elite 10
DE & SC Lite States See lite surrender charges &
Lite Compensation Schedule
*4.00% to 752.00% 76-85
if the Enhancement Package is elected (cost
= .40bps)
**7.00% to 753.50% 76-85
if the Protection Package is elected (cost = 1.10bps)
BONUS ONLY ON INITIAL PREMIUM
Monthly Cap(S&P 500)
1.75%(1.00% min)
87.5% @ 1.00% in floating rate states
on indexed accounts
1.00% for fixed option
0-85 (NQ)18-85 (Q)
$10,000NQ or Q
($2,000 minimum per bucket)
$2,000 min additional premium
10% each year after first year
Systematic w/d of interest or a specific amount allowed after
first year.
10 years12,11,10,9,8,7,6,5,4,3
Bonus Vesting Schedule:Vests at 10% per year for
10 years
Contract Surrender Charges - no rolling surrender charges
Lite State Surrender Charges DE & SC
9,9,8,7,6,5,4,3,2,1,0
The greater of the annuity's fully vested
account value, 2) minimum guaranteed
surrender value, or 3) the initial premium plus
premium bonus growing at 5% simple interest up to 10 years or until age
85, whichever occurs first.
Nursing Home
Terminal Illness
Unemployment
Home Health Care
Enhancement Package(Enhanced death benefit)
Protection Package(Income for life, Enhanced death benefit, Double income for LTC)
GLMB Rider6.75% roll-up rate
.70% cost
After 5th contract year without penalty. This
contract will be automatically
annuitized if nothing is done with the policy
after the maturity date.
7.00% to 755.50% 76-803.75% 81-85
Lite States: SC & DE6.00% to 75
3.50% 76-803.25% 81-85
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD. No chargeback at
death.
Monthly Average(S&P 500)
3.50%(3.00% min)
Annual Pt-to-Pt(S&P 500)
3.00%(3.00% min)
Bi-Annual Pt-to-Pt(S&P 500)
8.50%(3.00% min)
Tri-Annual Pt-to-Pt(S&P 500)
12.50%(3.00% min)
2.75%(1.00% min)
1.50%(1.00% min)
60 days from date application is received by
home office.
Prosperity Elite 14
DE & SC Lite States See lite surrender charges &
Lite Compensation Schedule
*5.00% to 752.50% 76-85
if the Enhancement Package is elected (cost
= .40bps)
**8.00% to 754.00% 76-85
if the Protection Package is elected (cost = 1.10bps)
BONUS ONLY ON INITIAL PREMIUM
Monthly Cap(S&P 500)
1.75%(1.00% min)
87.5% @ 1.00% in floating rate states
on indexed accounts
1.00% for fixed option
0-85 (NQ)18-85 (Q)
$10,000NQ or Q
($2,000 minimum per bucket)
$2,000 min additional premium
10% each year after first year
Systematic w/d of interest or a specific amount allowed after
first year.
14 years14.75,13.75,12.75,11.75,10.75,10,9,
8,7,6,5,4,3,2
Bonus Vesting Schedule:7%,14%,21%,
29%,36%,43%,50%,57%,64%,
71%,79%,86%,93%,100%
Contract Surrender Charges - no rolling surrender charges
The greater of the annuity's fully vested
account value, 2) minimum guaranteed
surrender value, or 3) the initial premium plus
premium bonus growing at 5% simple interest up to 10 years or until age
85, whichever occurs first.
Nursing Home
Terminal Illness
Unemployment
Home Health Care
Enhancement Package(Enhanced death benefit)
Protection Package(Income for life, Enhanced death benefit, Double income for LTC)
GLMB Rider6.75% roll-up rate
.70% cost
After 5th contract year without penalty. This
contract will be automatically
annuitized if nothing is done with the policy
after the maturity date.
8.00% to 755.50% 76-804.25% 81-85
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD. No chargeback at
death.
Monthly Average(S&P 500)
4.00%(3.00% min)
Annual Pt-to-Pt(S&P 500)
3.25%(3.00% min)
Bi-Annual Pt-to-Pt(S&P 500)
9.75%(3.00% min)
Tri-Annual Pt-to-Pt(S&P 500)
14.50%(3.00% min)
3.00%(1.00% min)
1.50%(min 1%)
*The Enhancement Package includes a vested bonus that is credited to the account value at issue, and is split equally to each crediting option elected, and is eligible to earn interest based on the crediting option elected. The bonus amount, plus any interest earned on that amount, vests over the guarantee period selected. The account value available as a Death Benefit includes 100% of any bonus amounts regardless of the portion vested at that time. The Enhancement Package also consists of a Guaranteed Minimum Death Benefit Rider. At the death of the owner, the value of the GMDB rider is determined to be the greater of: the annuity's account value, the minimum guaranteed surrender value, or the initial premium plus the premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first.
**The Protection Package includes a vested bonus that is credited to the account value at issue, and is split equally to each crediting option elected, and is eligible to earn interest based on the crediting option elected. The bonus amount, plus any interest earned on that amount, vests over the guarantee period selected. The Enhanced Guaranteed Minimum Withdrawal Benefit Rider is designed to provide a guaranteed income amount for life as long as excess withdrawals have not been taken. The guaranteed withdrawal payment amount is a percentage of the Income Base. The Income Base is the greater of: the initial premium, plus 18% bonus, premium growing at 6.75% compounded for no more than 10 years, the Vested Account Value minus surrender charges, and the minimum guaranteed surrender value. The guaranteed withdrawal payment amount is calculated by multiplying the guaranteed withdrawal payment base by the guaranteed withdrawal percentage and is based on the client's age at the time they elect to receive income payments. Income can be based on two people as long as they are joint annuitants and legal spouses. The Protection Package also includes an Enhanced Guaranteed Minimum Death Benefit Rider. At the death of the owner, the beneficiary can choose to receive either: the income base of the Guaranteed Minimum Withdrawal Benefit taken in payouts over at least five years (10 years if the client was age 71 or older at the time the contract was issued) or a Guaranteed Minimum Death Benefit that will be the greater of the annuity's account value, the minimum guaranteed surrender value, or the initial premium plus the premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever comes first. If contract is owned jointly, this benefit is only available upon the death of the first owner.
60 days from date application is received by
home office.
Simplicity Elite 7
Not Available in FL
Declared Rate(S&P 500)
2.00%(1.00% min)
87.5% @ 1.00% in floating rate states
on indexed accounts
1.00% for fixed option
0-85 (NQ)18-85 (Q)
$10,000NQ or Q
10% each year after first year
Up to 4 Annual Withdrawals
$500 minimum withdrawal amount
The greater of the annuity's fully vested
account value, 2) minimum guaranteed
surrender value, or 3) the initial premium plus
premium bonus growing at 5% simple interest up to 10 years or until age
85, whichever occurs first.
Nursing Home
Terminal Illness
Unemployment
Home Health Care
Guaranteed Minimum Withdrawal Benefit Rider
Guaranteed Minimum Death Benefit Rider
After 5th contract year without penalty
5.00% to 79 4.00% 81-85
100% first year, 50% year 2
( includes any surrenders which
exceed the penalty-free amount or
RMD.) No chargeback at death.
60 days from date application is received by
home office.
Simplicity Elite 10
Not Available in FL
5%Vesting Schedule:
10,20,30,40,50,60,70,80,90 ,100
Declared Rate(S&P 500)
2.00%(1.00% min)
87.5% @ 1.00% in floating rate states
on indexed accounts
1.00% for fixed option
0-85 (NQ)18-85 (Q)
$10,000NQ or Q
10% each year after first year
Up to 4 Annual Withdrawals
$500 minimum withdrawal amount
10,10,10,9, ,8,7,6,5,4,3,0
SC: 9,9,8,7,6,5,4,3,2,1,0
The greater of the annuity's fully vested
account value, 2) minimum guaranteed
surrender value, or 3) the initial premium plus
premium bonus growing at 5% simple interest up to 10 years or until age
85, whichever occurs first.
Nursing Home
Terminal Illness
Unemployment
Home Health Care
Guaranteed Minimum Withdrawal Benefit Rider
Guaranteed Minimum Death Benefit Rider
After 5th contract year without penalty
6.50% to 79 5.50% 81-85
100% first year, 50% year 2
( includes any surrenders which
exceed the penalty-free amount or
RMD.) No chargeback at death.
60 days from date application is received by
home office.
Simplicity Elite 14
Not Available in FL
7%7,14,21,29,36,43,50,57,64,
71,79,86,93,100
Declared Rate(S&P 500)
2.00%(1.00% min)
87.5% @ 1.00% in floating rate states
on indexed accounts
1.00% for fixed option
0-85 (NQ)18-85 (Q)
$10,000NQ or Q
10% each year after first year
Up to 4 Annual Withdrawals
$500 minimum withdrawal amount
14,13,12,11,10,9,8,7,6,5,4,3,2,1,0
The greater of the annuity's fully vested
account value, 2) minimum guaranteed
surrender value, or 3) the initial premium plus
premium bonus growing at 5% simple interest up to 10 years or until age
85, whichever occurs first.
Nursing Home
Terminal Illness
Unemployment
Home Health Care
Guaranteed Minimum Withdrawal Benefit Rider
Guaranteed Minimum Death Benefit Rider
After 5th contract year without penalty
7.50% to 79 8.50% 81-85
100% first year, 50% year 2
( includes any surrenders which
exceed the penalty-free amount or
RMD.) No chargeback at death.
60 days from date application is received by
home office.
AdvanceMark
7%on initial premium.
Vesting Schedule:10,20,30,40,50,60,70,
80,90,100
Step Forward Strategy(S&P 500)
5.00%(5.00% min)
87.5% of premium plus interest
between 1% and 3%, less
withdrawals
0-75(NQ)18-75 (Q)
$10,000
($2,000 min per bucket)
Allows additional deposits of $2,000 or more (allowed
before current oldest owner reaches age 86)
Additional premiums allocated to the Fixed Interest
Optionand and may be reallocated to an index optoin on contract anniversaries only.
RMD or SEPP can be taken in year one.
Greater of MRD, SEPP or up to 10% each year
after first year
10 years
10,10,10,10,9,8,7,6,4,2,0
Lite States9,9,8,7,6,5,4,3,2,1,0
Greater of full account value at death or MGSV
at death
Nursing Home
Terminal Illness
Unemployment
Income Freedom Rider6.75% roll-up rate
.70% cost(restart available for up to 10 additional years)
After 5th contract year without penalty
7.50% 0-75
Commissions paid on all additional premium prior
to year 4.
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD.
100% on annuitization prior to
year 3.
No chargeback at death.
Annual Pt-to-Pt(S&P 500)
3.00%(3.00% min)
Monthly Pt-to-Pt(S&P 500)
1.60%(1.00% min)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
F&G Life 8/1/2013 FPDA
100%
None No $1MM
100%
100%
None Declared Rate on Gain
Fixed Account No Cap
F&G Life 8/1/2013 FPDA
100%
None No $1MM
100%
100%
100%
100%
None Declared Rate on Gain
Fixed Account No Cap
F&G Life 8/1/2013 FPDA
100%
None No $1MM
100%
100%
100%
100%
None
Fixed Account No Cap
Forethought Life 7/22/2013 Index Bonus 115 SPDA
100%
Yes 87.5% @ 1.00% 0-85 $25,000 $1MM100%
Fixed Account No Cap
Forethought Life 7/22/2013 SPDA
100%
87.5% @ 1.00% 0-85 $25,000 $1MM
100%
Fixed Account No Cap
Forethought Life 7/22/2013 Bonus Advantage SPDA
100%
Yes 87.5% @ 1.00% 55-80 $25,000
100%
100%
60 days from date application is received by
home office.
AdvanceMark
7%on initial premium.
Vesting Schedule:10,20,30,40,50,60,70,
80,90,100
87.5% of premium plus interest
between 1% and 3%, less
withdrawals
0-75(NQ)18-75 (Q)
$10,000
($2,000 min per bucket)
Allows additional deposits of $2,000 or more (allowed
before current oldest owner reaches age 86)
Additional premiums allocated to the Fixed Interest
Optionand and may be reallocated to an index optoin on contract anniversaries only.
RMD or SEPP can be taken in year one.
Greater of MRD, SEPP or up to 10% each year
after first year
10 years
10,10,10,10,9,8,7,6,4,2,0
Lite States9,9,8,7,6,5,4,3,2,1,0
Greater of full account value at death or MGSV
at death
Nursing Home
Terminal Illness
Unemployment
Income Freedom Rider6.75% roll-up rate
.70% cost(restart available for up to 10 additional years)
After 5th contract year without penalty
7.50% 0-75
Commissions paid on all additional premium prior
to year 4.
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD.
100% on annuitization prior to
year 3.
No chargeback at death.
Monthly Average(S&P 500)
3.00%(3.00% min)
Bi-Annual Monthly Average(S&P 500)
7.00%(6.00% min)
Tri-Annual Monthly Average
(S&P 500)
6.00%(18% max spread)
2.50%(1.00%)
1.55%(1.00% min)
60 days from date application is received by
home office.
AmeriMark Freedom Series
Freedom: 0Freedom SE: 4%
Freedom 7: 0Freedom 7 SE: 4%
Step Forward Strategy(S&P 500)
Freedom: 7.00%Freedom SE: 7.00%Freedom 7: 5.00%
Freedom 7 SE: 5.00% (5.00% min)
87.5% of premium plus interest
between 1% and 3%, less
withdrawals
0-85
0-64 in FL on 12 year products
$3,000 Q$5,000 NQ
Allows additional deposits of $2,000 or more (before
current oldest owner reaches age 86)
Greater of MRD, SEPP or up to 10% each year,
including first year
12 Year: Freedom:
13.5,12.5, 11.5, 10.5,10,9,,8,7,6,5,4,2
Freedom SE: 13.75,12.75, 11.75, 11,10,9,,8,7,6,5,4,2
7 Year:Freedom 7: 9,8,7,6,5,4,3
Freedom 7 SE:9,9,8,7,6,5,4
Greater of full account value at death or MGSV
at death
Confinement
Income Freedom Rider(not available for non-bonus products)
6.75% roll-up rate.70% cost
(restart available for up to 10 additional years)
Join payouts allowed on Q and NQ
Checkbook Access
Systematic Income Option
After 5th contract year without penalty
Freedom: 0-75: 7.00%76-85: 3.75%
Freedom SE:0-75: 7.00%76-85: 3.75%
Freedom 7: 0-75: 4.50%76-85: 2.50%
Freedom 7 SE: 0-75: 4.50%76-85: 2.50%
Based on issue age of oldest owner
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD.
100% on annuitization prior to
year 3.
No chargeback at death.
Annual Pt-to-Pt(S&P 500)
Freedom: 3.50%Freedom SE: 3.50%Freedom 7: 3.00%
Freedom 7 SE: 3.00% (3.00% min)
Monthly Pt-to-Pt(S&P 500)
Freedom: 1.75%Freedom SE: 1.75%Freedom 7: 1.60%
Freedom 7 SE: 1.60% (1.00% min)
Bi-Annual Monthly Average(S&P 500)
Freedom: 9.00%Freedom SE: 9.00%Freedom 7: 7.00%
Freedom 7 SE: 7.00% (6.00% min)
Tri-Annual Monthly Average
(S&P 500)
Freedom: 5.00%Freedom SE: 5.00%Freedom 7: 5.00%
Freedom 7 SE: 5.00% (18% max spread)
Freedom: 3.25%Freedom SE: 3.25%Freedom 7: 2.50%
Freedom 7 SE: 2.50% (1.00%)
Freedom: 1.50%Freedom SE: 1.50%Freedom 7: 1.55%
Freedom 7 SE: 1.55% (1.00% min)
60 days from date application is received by
home office.
SpectraMark Series 3% Up front bonus on year 1
premiums
Step Forward Strategy(S&P 500)
5.75% (5.00% min)
87.5% of premium plus interest
between 1% and 3%, less
withdrawals
0-85 NQ18-85 Q
$10,000($2,000 minimum per crediting
option)
Allows additional deposits of $2,000 or more (before
current oldest owner reaches age 86)
Additional premiums will be allocated to the fixed option and may be reallocated on contract anniversaries only
RMD or SEPP allowed in year 1.
Greater of MRD, SEPP or up to 10% each year,
after first year.
4 withdrawals allowed per year with $500
minimum per withdrawal.
SpectraMark: 14,13,12,11,10,8,6,4,2,1,
0
SpectraMark LT:9,9,8,7,6,5,4,3,2,1,0
Greater of full account value at death or MGSV
at death
Under Legacy Rider:Lump sum payout is
greater of total account value, MGSV, or initial premium plus bonus growing at 5% simple
interest.
Nursing HomeTerminal IllnessUnemployment
Home Health Care
Value Riders:Combined Cost: 1.10%
Legacy Rider Income Security Rider:
Income Base is greater of Initial Premium plus 18% income base bonusOR
Initial premium plus compound roll-up rate for up to 10 years-6.75% roll-up rate ;6.50% in FL
Enhanced payment if impaired in 2 of 6 ADLsAutomatic step-ups
Restart available for up to 10 additional yearsRiders and subject to state availability and certain restrictions may apply
SpectraMark: 0-75: 8.00%76-85: 4.00%
SpectraMark LT:0-75: 6.25%76-85: 3.13%
Commissions paid on all additional premium prior
to year 4.
100% first year, 50% year 2 on any
surrenders which exceed the penalty-
free amount or RMD.
100% on annuitization prior to
year 3.
No chargeback at death.
Annual Pt-to-Pt(S&P 500)
3.50% (3.00% min)
Monthly Pt-to-Pt(S&P 500)
1.85% (1.00% min)
Monthly Average(S&P 500)
3.75% (3.00% min)
Tri-Annual Monthly Average
(S&P 500)
4.00% (18% max spread)
Declared Rate on Gain 3.50% (1.00%)
2.10% (1.00% min)
45 days from date application is signed.
15%added to the income
account value only, plus 6% minimum compounded roll-up interest rate for up
to 10 years
(This is not an optional rider, but is built into the
contract for a .95% charge.)
Monthly Cap(S&P 500)
$250K+2.00%
$100K-$249K2.00%
$25K-$99K1.75%
(0.50% min)
1.25%Optional Death Benefit
Rider
.95%Annual Guaranteed
Lifetime Income Benefit Plus
Clients can elect Guaranteed Lifetime
Annual Income any time after issue (must be 59 1/2 and older) for both
new and existing business
10% of the beginning contract value each year
after first year
RMD (any imposed amount by the IRS)
10 years12,12,11,10,9,8,7,6,4,2
Full account value paid at death
Optional Rider: Guarantee your death
benefit is equal to no less than the initial premium
increasing by 5% of premium less
withdrawals, at the end of each year, until the 10th contract anniversary or
until age 85
Nursing Home
Terminal Illness
Guaranteed Lifetime Income Benefit Plus Rider (0.95% cost)
Increased Death Benefit Guaranteed Rider (1.25% cost)
After 5th contract year without penalty if
choose a payout option of at least 5 years
certain.
8.00% to 755.50% 76-85
Commissions are reduced by 1.00% in the states of AK, CT, DE, FL, MN, OH,
OR, SC, TX and UT
100% Chargeback for death or any
withdrawals in the first year. 0-12
months) (any age ages)
Annual Pt-to-Pt(S&P 500)
$250K+4.00%
$100K-$249K4.00%
$25K-$99K3.50%
(0.50% min.)
$250K+2.00%
$100K-$249K2.00%
$25K-$99K1.75%
(1.00% min)
45 days from date application is signed.
Income 125+
Pending in: IL,MD, MN
Not Available:AK, NY,OR,WA
Original Income 125 still available in States listed
above
25%added to the income
account value only, plus 5% minimum compounded roll-up interest rate for up
to 10 years
Annual Pt-to-Pt(S&P 500)
$250K+4.00%
$100K-$249K4.00%
$25K-$99K3.50
(min 3%)
Original Income 125:No charge for lifetime
guaranteed income
Income 125+:annual charge of .55bps for
guaranteed lifetime income benefit
Optional Death Benefit Rider
1.10% on original
on New 125+ 1.25% (has additional
feature)
NoOn Original
New 125+ has MVA on Surrenders
New Income 125+Lifetime income available day 1.
Guaranteed Lifetime Income may be elected at any time after issue
(must be 59 1/2 or older)
10% of the beginning contract value each year
after first year
RMD (any imposed amount by the IRS)
10 years12,12,11,10,9,8,7,6,4,2
Full account value paid at death
Optional Rider: Guarantee your death
benefit is equal to no less than the initial premium
increasing by 5% of premium less
withdrawals, at the end of each year, until the 10th contract anniversary or
until age 85
Nursing Home
Terminal Illness
Death Benefit Rider (1.10% cost)
After 5th contract year without penalty if
choose a payout option of at least 5 years
certain.
7.00% to 755.00% 76-85
Commissions are reduced by 1.00% in the states of AK, CT, DE, FL, MN, OH,
OR, SC, TX and UT.
100% Chargeback for death or any
withdrawals in the first year (0-
12months). (any age)
Monthly Cap(S&P 500)
$250K+2.00%
$100K-$249K2.00%
$25K-$99K1.75% (min.50%)
$250K+2.00%
$100K-$249K2.00%
$25K-$99K1.75%
(1.00% min)(1.00%)
45 days from date application is signed.
5%added to the income
account value only, plus 5% minimum compounded roll-up interest rate for up
to 10 years
Annual Pt-to-Pt(S&P 500)
2.50%(2.00% min.)
0.95% (Annual Optional Income Benefit Charge)
$1MM max ages 55-75
$500K max ages 76-80
Original Income 12510% of beginning-of-
year contract value each year after first year
10 years10,10,9,9,8,
7,6,5,4,2
Full account value paid at death
Optional Rider: Guarantee your death
benefit is equal to no less than the initial premium
increasing by 5% of premium less
withdrawals, at the end of each year, until the 10th contract anniversary or
until age 85
Nursing Home
Terminal Illness
Guaranteed Lifetime Income Benefit Plus Rider (0.95% cost)
After 5th contract year without penalty if
choose a payout option of at least 5 years
certain.
7.00% to 755.00% 76-80
Commissions are reduced by 1.00% in the states of
AK, DE, MD, OH,OK., MN, OR, SC, TX and UT.
100% Chargeback for death or any
withdrawals in the first year (0-
12months) (any age).
Monthly Pt-to-Pt w/ Cap(S&P 500)
0.75%(.50%min)
Monthly Average w/ Cap(S&P 500)
2.50%(2.00% min.)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
Forethought Life 7/22/2013 Bonus Advantage SPDA
0.75% Fixed Account No Cap
Yes 87.5% @ 1.00% 55-80 $25,000
Genworth 7/1/2013 SPDA None
100% None
Yes $25,000 $1MM
100% None
100% None
No Cap None
No Cap None
Genworth 7/1/2013 SPDA None
100% None
Yes $25,000 $1MM
100% None
100% None
No Cap None
No Cap None
45 days from date application is signed.
5%added to the income
account value only, plus 5% minimum compounded roll-up interest rate for up
to 10 years
0.95% (Annual Optional Income Benefit Charge)
$1MM max ages 55-75
$500K max ages 76-80
Original Income 12510% of beginning-of-
year contract value each year after first year
10 years10,10,9,9,8,
7,6,5,4,2
Full account value paid at death
Optional Rider: Guarantee your death
benefit is equal to no less than the initial premium
increasing by 5% of premium less
withdrawals, at the end of each year, until the 10th contract anniversary or
until age 85
Nursing Home
Terminal Illness
Guaranteed Lifetime Income Benefit Plus Rider (0.95% cost)
After 5th contract year without penalty if
choose a payout option of at least 5 years
certain.
7.00% to 755.00% 76-80
Commissions are reduced by 1.00% in the states of
AK, DE, MD, OH,OK., MN, OR, SC, TX and UT.
100% Chargeback for death or any
withdrawals in the first year (0-
12months) (any age).
(Optional) Guaranteed Lifetime Income Benefit: Purchased at the time of Bonus Advantage annuity application (annual charge 0.95% of the Income Base and is deducted from the Contract Value at the beginning of each contract year). The Income Base is a value used to determine the amount of money that's available for guaranteed lifetime income payments. At issue, the Income Base is equal to the premium paid plus the 5% Premium Bonus. The Income Base grows at a 5% compound rate at each Contract Anniversary until the earliest of the tenth contract anniversary, age 85 or until the income start date. At the end of the tenth contract year, if the oldest Owner is not yet 80, the Income Base growth may be extended. The Income Base will continue to grow at 6% compounded annually, until the earliest of the end of contract year 20, age 85, or until the income start date. Clients can elect income payments anytime after issue.
60 days from date application is signed
Secure LivingIndex 5
Optional Income Protection Rider = .80
bps.
Monthly Cap(S&P 500)
Annual CapMax(Year 1)
Rates shown below are banded as follows:
$25,000 - $49,999$50,000 - $99,999
$100,000 - $249,999$250,000+
Monthly Cap
1.40%, 1.80%, 2.00%, 2.10%
(0.50% min. yr 1-7)(0.25% min. yr 8+)
Annual CapMax
3.25%, 4%, 4.50%, 4.70%3.00% CapMax Multiplier
(Minimum renewal: 1%)
104% of premium less adjustment for withdrawals and/or
applicable rider fees.
0-85
10% each year after the first
RMD available immediately
5-Years: 9,9,8,7,6,
Full account value paid at death of owner NA
Can annuitize after the first year.
Payout Options:Life income with period certain of 10, 15 or 20
years
Joint life and survivor income with 10 year
period certain
Option A3.00% to 752.00% 76-801.00% 81-85
100% Chargeback in months 0-12 for Full
or Partial Withdrawals and
Surrenders
100% chargeback if death is in the first 6 months with an issue
age of 76 or older
Annual Pt-to-Pt(S&P 500)
3.25% - $25,000 - $49,999(2.75% bailout)
4.00% $50,000 - $99,999(3.50% bailout)
4.50% $100k - $249,999(4.00% bailout)
4.70% $250k+(4.20% bailout)
(1.00% min. )
Performance Trigger(S&P 500)
2.75%, 3.40%, 3.80%, 4.00%
(1.00% min.)
1.25%1.50%1.75%1.85%
(1.00% min.)
5-Year Fixed Strategy(Available for new
allocation in the first year.)
1.00%1.05%1.10%1.15%
(1.00% min.)
1-Year Fixed Strategy(NOT available for
allocation in first year. Only available beginning in
year 2.)
60 days from date application is signed
Secure LivingIndex 7
Optional Income Protection Rider = .80
bps.
Monthly Cap(S&P 500)
Annual CapMax(Year 1)
2.05%>$99,9992.25%> $249,0002.35% $250,000+
(0.50% min. yr 1-7)(0.25% min. yr 8+)
5.25%>$99,9995.75%>249,999
5.95% $250,000+Year 2
3.00%>$99,9993.00%>249,999
3.00% $250,000+
107% of premium less adjustment for withdrawals and/or
applicable rider fees.
0-85
10% each year after the first
RMD available immediately
7-Years: 9,9,8,7,6,5,4
Full account value paid at death of owner
Nursing Home Waiver
Available after 1st contract year. Must be confined 30 consecutive days in a medical care facility. Free withdrawal increases from 10% to 20%.
Can annuitize after the first year.
Payout Options:Life income with period certain of 10, 15 or 20
years
Joint life and survivor income with 10 year
period certain
To optimize competitiveness &
reward those waiting at least 10 years before
beginning to take income, See details on SecureLiving Index 7
Optional Income Protection Rider
Option A4.50% to 753.00% 76-801.50% 81-85
Option BCall office for commission details containing trails.
100% Chargeback in months 0-12 for Full
or Partial Withdrawals and
Surrenders
100% chargeback if death is in the first 6 months with an issue
age of 76 or older
Annual Pt-to-Pt(S&P 500)
5.25%>$99,999(4.75% bailout)
5.75%> $249,000(5.25% bailout)
5.95% $250,000+(5.45% bailout)(1.00% min. )
Performance Trigger(S&P 500)
4.25%>$99,9994.75%> $249,0004.95% $250,000+
(1.00% min.)
2.10%>$99,9992.35%> $249,0002.45% $250,000+
(1.00% min.)
7-Year Fixed Strategy(Available for new
allocation in the first year.)
1.00%>$99,9991.25%> $249,0001.35% $250,000+
(1.00% min.)
1-Year Fixed Strategy(NOT available for
allocation in first year. Only available beginning in
year 2.)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
Genworth 7/1/2013 SPDA
100% None
Yes $25,000 $1MM
100% None
100% None
No Cap None
No Cap None
Great American No rate lock period 8/7/2013 American Legend II FPDA None
Fixed Account No Cap None
No 100% @ 1.00%
100% None
100% None
100% None
Great American No rate lock period 8/7/2013 American Valor 10 FPDA
Fixed Account No Cap None
No 100% @ 1.00%100% None
100% None
Great American No rate lock period 8/7/2013 Safe Outlook SPDA None
Fixed Account No Cap None
No 90% @ 1.00%
100% None
100% None
Great American No rate lock period 8/7/2013 SPDA None
Fixed Account No Cap None
No 100% @ 1.00%100% None
100% None
ING USA 8/17/2013 FPDA None
None
No 87.5% @ 1.00% $1MM
100% None
100% None
100% None
Fixed Account No Cap None
60 days from date application is signed
Secure LivingIndex 10 Plus
Optional Income Protection Rider = .80
bps.
4% of initial single premium
Monthly Cap(S&P 500)
Annual CapMax(Year 1)
1.95%>$99,9992.15%> $249,0002.25% $250,000+
(0.50% min.yr 2-10, .25% min yrs. 11+)
4.00%>$99,0004.50%>249,999
4.70% $250,000+Year 2
3.00%>$99,0003.00%>249,999
3.00% $250,000+
Contract value at the end of the term. 0-80
10% each year after the first
RMD available immediately
(For qualified contracts)
10-Years: 9,9,8,7,6,5,4,3,2,1
Full account value paid at death of owner
***Medical Care Facility
***Nursing Home
Can annuitize after the first year.
Payout Options:Life income with period certain of 10, 15 or 20
years
Joint life and survivor income with 10 year
period certain
To optimize competitiveness &
reward those waiting at least 10 years before
beginning to take income, Pls see details
on Optional Income Protection Rider
Option A6.00% to 754.00% 76-80
Option BCall office for commission details containing trails.
100% Chargeback in months 0-12 for Full
or Partial Withdrawals and
Surrenders
100% chargeback if death is in the first 6 months with an issue
age of 76 or older
Annual Pt-to-Pt(S&P 500)
4.00%>$99,999(3.50% bailout)
4.50%> $249,000(4.00% bailout)
4.70% $250,000+(4.20% bailout)(1.00% min. )
Performance Trigger(S&P 500)
3.30%>$99,9993.80%> $249,0004.00% $250,000+
(1.00% min.)
1.65%>$99,9991.90%> $249,0002.00% $250,000+
(1.00% min.)
10 Year Fixed Strategy
Available for new allocation in 1st year
1.00%>$99,9991.25%> $249,0001.35% $250,000+
(1.00% min.)
1 Year Fixed Strategy
Not available for new allocation in 1st year
1.75%(1.00% min)
18-85 Q0-85 NQ
$10,000
Additional Deposits$2,000 (Q)
$5,000 (NQ)
$750K 18-79$500k 80+
10% each year including the first year
7 yearsIssue Ages 0-5712,11,10,9,8,7,6
Issue Ages 58-859,8,7,6,5,4,3
Full account value paid at death of owner
Extended Care
TerminalIllness
Annuitization using full account value after first
contract year if annuitized for at least 5
years.
4.75% to 753.25% 76-802.25% 81-85
100% Chargeback for Annuitization in
the first year.50% Chargeback for
death in the first 6 months.
100% Chargeback in months 0-6 for Full
or Partial Withdrawals and
50% Chargeback in months 7-12
Monthly Average(S&P 500)
6.25%(1.00% min)
Annual Pt-to-Pt(S&P 500)
5.75%(1.00% min)
Monthly Cap(S&P 500)
2.25%(1.00% min)
2%on all premiums for 3 years
1.00%(1.00% min)
18-85 Q0-85 NQ
$10,000
Additional Deposits$2,000 (Q)
$5,000 (NQ)
$750K 18-79$500k 80+
10% each year including the first year
10 years10,9,8,7,6,5,4,3,2,1
Full account value paid at death of owner
Extended Care
TerminalIllness
Annuitization using full account value if
annuitized for income payout periods of
seven years or life, or under the income for a
fixed period, not to exceed life expectancy
option.
5.00% to 753.65% 76-801.65% 81-85
Call for details on commission in years 2-5
ANNUITIZATION100% first year
DEATH100% months 0-6
PARTIAL W/Ds100% month 0-650% months 7-12
FULL SURRENDER100% first year
Monthly Average(S&P 500)
5.50%(1.00% min)
Annual Pt-to-Pt(S&P 500)
5.25%(1.00% min)
1.50%(1.00% min)
18-85 Q0-85 NQ
$10,000additional purchase payments accepted in first 2 months of contract; minimum $2.000(Q)
$5,000(NQ)
$750K 18-79$500k 80+
10% each year including the first year
6 years9,8,7,6,5,4
Full account value paid at death of owner
Extended Care
TerminalIllness
Account value used for income payout periods
of 10 years or life at any time during 10
year period.
3.50% to 752.60% 76-801.70% 81-85
Ask us about trail commission options.
ANNUITIZATION100% first year
DEATH100% months 0-6
PARTIAL W/Ds100% month 0-650% months 7-12
FULL SURRENDER100% months 0-650% months 7-12
Monthly Average(S&P 500)
5.25%<$100K(4.75% Bailout)5.50% $100K+(5.00% Bailout)
(1.00% min)
Annual Pt-to-Pt(S&P 500)
5.00% <$100K(4.50% Bailout)5.25% $100K+(4.75% Bailout)
(1.00% min)
Safe ReturnWith Guaranteed Return
of Premium Rider and Cap Rate Bailout Provision
1.10%(1.00% min)
18-85 Q0-85 NQ
$25,000additional purchase payments accepted in first 2 months of contract; minimum $2.000(Q)
$5,000(NQ)
$750K 18-79$500k 80+
10% each year including the first year
10 years10,9,8,7,65,4,3,2,1
Full account value paid at death of owner
Extended Care
TerminalIllness
IncomeSustainerIncomeSustainer Plus
IncomeSecure
Account value used for income payout periods
of 10 years or life at any time during 10
year period.
5.50% to 754.50% 76-801.50% 81-85
Ask us about trail commission options.
ANNUITIZATION100% first year
DEATH100% months 0-6
PARTIAL W/Ds100% month 0-650% months 7-12
FULL SURRENDER100% first year
Monthly Average(S&P 500)
5.00%(4.50% Bailout)
(1.00% min)
Annual Pt-to-Pt(S&P 500)
4.50%(4.00% Bailout)
(1.00% min)
45 days from the date the transfer paperwork is sent by the home office
Secure Index 5
With optional Return of Premium Rider
Ask us about reduction in caps for adding ROP rider.
When ROP is selected for this annuity, the Income
Protector Benefit may not be chosen. Client's may not have both ROP and IncomeProtector riders
simultaneously.
$75,000+3.50% multiplier
$15,000 - $74,9992.00% multiplier
Interest Rate Benchmark(S&P 500)
Receive up to 3.5x the 3-month LIBOR annual
positive gains
10%(0% minimum)
0-80at time of
issue
$15,000
$50 additional deposits
10% each year after first year
Interest in 30 days from the fixed account
5 years8,7.5, 6.5,5.5, 4.5
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death of owner
Nursing Home& Terminal Illness Waivers
Available after first contract anniversary for owner confinement.
After 1st contract year without penalty
Option A3.15% to 76 on 1st yr
premiumswith no trail
1.57% years 2-4with no trail
Option B2.02% to 76 w/.22% trail
1.01% years 2-4plus .22% trail
Option C & D0.90% to 76w/. 45% trail
.45% years 2-4plus .45% trail
Reduced by .25% for issue ages 76 and older
Chargeback for any withdrawals in the
first year.
100% firstsix months
50% months7-12
No chargeback at death.
For contracts with the ING
IncomeProtector Withdrawal Benefit rider, chargebacks
will not apply to withdrawals
designated as maximum annual
withdrawals (MAW).
Annual Pt-to-Pt(S&P 500)
$75,000+4.00%
$15,000 - $74,9993.50%
(0% min)
Performance Trigger(S&P 500)
$75,000+3.50%
$15,000 - $74,9993.00%
(0% min)
Monthly Cap(S&P 500)
$75,000+1.30%
$15,000 - $74,9990.90%
(0% min)
1.50%(1.00% min)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
ING USA 7/17/2013 Secure Index 7 FPDA None
None
No 87.5% @ 1.00%
100% None
100% None
100% None
Fixed Account No Cap None
ING USA 7/17/2013 SPDA
None
Yes 87.5% @ 2.00% $15,000 1MM
100% None
100% None
100% None
Fixed Account No Cap None
ING USA 7/17/2013 Envoy 9 FPDA None
100% None
Yes 87.5% @ 1.00% 0-80 1MM
Fixed Account No Cap None
Lincoln Financial 7/1/2013
1.00% Fixed Account No Cap None
Yes 100% @ 1.00% 0-85 2MM
100% None
100% None
100% None
Lincoln Financial 7/1/2013 FPDA
1.00% Fixed Account No Cap None
Yes 100% @ 1.00% 0-80 2MM
100% None
100% None
100% None
Lincoln Financial 7/1/2013 Lincoln New Direction 6 SPDA None
Fixed Account No Cap None
Yes 100% @ 1.00% 0-85 $10,000 2MM100% None
100% None
Lincoln Financial 7/1/2013 Lincoln New Direction 8 SPDA None
Fixed Account No Cap None
Yes 100% @ 1.00% 0-85 $10,000 2MM100% None
100% None
Lincoln Financial 7/1/2013 Lincoln OptiChoice 5 FPDA None
Fixed Account No Cap None
Yes 100% @ 1.00% 0-85 2MM
100% None
45 days from the date the transfer paperwork is sent by the home office
$75,000+5.50% multiplier
$15,000 - $74,9994.00% multiplier
Interest Rate Benchmark(S&P 500)
Receive up to 5.5x the 3-month LIBOR annual
positive gains
10%(0% minimum)
0-80at time of
issue
$15,000
$50 additional deposits
1MM
10% each year after first year
Interest in 30 days from the fixed account
7 years10,10,10,10,9,8,7
Contract Surrender Charges - no rolling surrender charges
Full account value paid at death of owner
Nursing Home& Terminal Illness Waivers
Available after first contract anniversary for owner confinement.
After 1st contract year without penalty
Option A4.50% to 76 on 1st yr
premiumswith no trail
2.47% years 2-5with no trail
Option B4.05% to 76 w/.09% trail
2.47% years 2-5plus .10% trail
Option C3.37% to76 w/.22% trail
1.85% years 2-5plus .22% trail
Option D1.12% to 80w/ .67% trail
.61% years 2-5plus .67% trail
Reduced by .25% for issue ages 76 and older
Chargeback for any withdrawals in the
first year.
100% firstsix months
50% months7-12
No chargeback at death.
For contracts with the ING
IncomeProtector Withdrawal Benefit rider, chargebacks
will not apply to withdrawals
designated as maximum annual
withdrawals (MAW).
Annual Pt-to-Pt(S&P 500)
$75,000+5.50%
$15,000 - $74,9994.50%
(0% min)
Performance Trigger(S&P 500)
$75,000+4.75%
$15,000 - $74,9994.30%
(0% min)
Monthly Cap(S&P 500)
$75,000+1.70%
$15,000 - $74,9991.30%
(0% min)
2.00%(1.00% min)
45 days from the date the transfer paperwork is sent by the home office
Secure IndexOpportunities Plus
5%of the single premium
$75,000+4.00% multiplier
$15,000-$74,9992.25% multiplier
Interest Rate Benchmark(S&P 500)
Receive up to 3.5x the 3-month LIBOR annual
positive gains
10%(0% minimum)
0-80at time of
issue
0-75 in IN
10% each year after first year
Interest in 30 days from the fixed account
10 years10,10,10,10,9,8,7,6,5,4
Bonus Recapture:100% years 1 and 280% years 3 and 460% years 5 and 640% years 7 and 820% years 9 and 10
Full account value paid at death of annuitant
(or owner, if not related)
Nursing Home & Terminal Illness Waivers(owner)
Available after 5th contract year using full
account value
Option A6.30% to 76with no trail
Option B4.95% to 76
plus .22% trail
Option C2.70% to 76
plus .60% trail
Option D2.25% to 76
plus .67% trail
Reduced by .25% for issue ages 76 and older
Chargeback for any withdrawals in the
first year.
100% firstsix months
50% months7-12
No chargeback at death.
For contracts with the ING
IncomeProtector Withdrawal Benefit rider, chargebacks
will not apply to withdrawals
designated as maximum annual
withdrawals (MAW).
Annual Pt-to-Pt(S&P 500)
$75,000+3.25%
$15,000 - $74,9992.50%
(0% min)
Performance Trigger(S&P 500)
$75,000+2.75%
$15,000 - $74,9992.00%
(0% min)
Monthly Cap(S&P 500)
$75,000+1.40%
$15,000 - $74,9991.00%
(0% min)
1.50%(1.00% min)
45 days from the date the transfer paperwork is sent by the home office
Annual Point-to-Point CapBlended S&P 500 & Euro
Stoxx 50
$75,000+3.75%
$15,000 - $74,9993.00%
(0% min)
$15,000 NQ$10,000 Q
$5,000 minimum additional premium
(No minimum premium per strategy.)
10% each year including the first year
9 Years:9,9,9,9,8,7,6,5,4
Free out at end of initial guarantee period
Contract Surrender Charges - no rolling
surrenders.
The greater of the accumulation value or the
minimum guaranteed contract value at death of
owner
Nursing Home & Terminal Illness Waivers(owner)
Available after first contract year using
CASH SURRENDER VALUE, not full account value
Option AYears 1-3:5.40% 0-76
no trailYears 4-5:2.70% 0-76
no trailReduced by .25% for
issue ages 76 and older
Call office for trail options.
Chargeback for any withdrawals in the
first year.
100% firstsix months
50% months7-12
No chargeback at death.
For contracts with the ING
IncomeProtector Withdrawal Benefit rider, chargebacks
will not apply to withdrawals
designated as maximum annual
withdrawals (MAW).
1.25%(1.00% min)
45 days from the date the application is signed
Lincoln OptiPoint 8
3.00% (yrs 1-3)$100K+
2.00% (yrs 1-3)<$100K
on all premiums deposited for first 3 years
$5,000 NQ $2,000 Q
$50 Additional Premiums
10% each year including the first year
8 years:9,8,7,6,5,4,3,2
Contract Surrender Charges - no rolling
surrenders.
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the fifth contract year the full contract value
without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
5.50% 0-753.60% 76-801.75% 81-85
100% chargeback for any surrenders or withdrawals in the
first year after issue.
No chargeback under death claim.
Performance Triggered Specified Rate
1.70%(2.50% min.)
Bi-Annual Pt-to-Pt(S&P 500)
5.00%(3.00% min.)
Bi-Annual Monthly Cap(S&P 500)
2.05%(1.00% min.)
45 days from the date the application is signed
Lincoln OptiPoint 10
4.00% (1-4yrs)$100K+
3.00%(1-4yrs) <$100K
on all premiums deposited for first 4 years
$5,000 NQ $2,000 Q
$50 Additional Premiums
10% each year including the first year
10 years:10,9,8,7,6,5,4,
3,2,1
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the fifth contract year the full contract value
without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
6.50% 0-754.35% 76-80
100% chargeback for any surrenders or withdrawals in the
first year after issue.
No chargeback under death claim.
Performance Triggered Specified Rate
1.70%(1.25% min.)
Bi-Annual Pt-to-Pt(S&P 500)
5.00%(3.00% min.)
Bi-Annual Monthly(S&P 500)
2.05%(1.00% min.)
45 days from the date the application is signed
1.10% <100K1.25% 100K+
10% each year including the first year
6 years:9,8,7,6,4.75, 3.5
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the second contract year the full contract
value without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
3.00% 0-752.35% 76-801.50% 81-85
Chargeback on Full or Partial Surrenders
(Excluding free partial withdrawals)
100% first6 months
50% months7-12
Performance Triggered Specified Rate
(S&P 500)
1.85% <100K2.15% 100K+(1.25% min.)
Bi-Annual Pt-to-Pt(S&P 500)
5.00% <100K5.25% 100K+(3.00% min.)
45 days from the date the application is signed
1.15% <100K1.30% 100K+
10% each year including the first year
8 years:9,8,7,6,4.75, 3.5,2,0.75
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the second contract year the full contract
value without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
4.00% 0-753.10% 76-802.00% 81-85
Chargeback on Full or Partial Surrenders
(Excluding free partial withdrawals)
100% first6 months
50% months7-12
Performance Triggered Specified Rate
(S&P 500)
2.00% <100K2.25% 100K+(1.25% min.)
Bi-Annual Pt-to-Pt(S&P 500)
5.00% <100K5.45% 100K+(3.00% min.)
45 days from the date the application is signed
1.00% <100K1.00% 100K+
$5,000 NQ $2,000 Q
$50 Additional Premiums
10% each year including the first year
5 years:9,8,7,6,5
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the fifth contract year the full contract value
without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
4.50% 0-753.35% 76-802.25% 81-85
100% chargeback for any surrenders or withdrawals in the
first year after issue.
No chargeback under death claim.
Performance Triggered Specified Rate
(S&P 500)
1.70% <100K1.70% 100K+(1.25% min)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
Lincoln Financial 7/1/2013 Lincoln OptiChoice 5 FPDA None
100% None
Yes 100% @ 1.00% 0-85 2MM
100% No Cap
Lincoln Financial 7/1/2013 Lincoln OptiChoice 7 FPDA None
Fixed Account No Cap None
Yes 100% @ 1.00% 0-85 2MM
100% None
100% None
100% No Cap
Lincoln Financial 7/1/2013 Lincoln OptiChoice 9 FPDA None
Fixed Account No Cap None
100% @ 1.00% 0-80 2MM
100% None
100% None
100% No Cap
Lincoln National Indexed Annuities are issued only on the 1st, 8th, 15th, and 22nd of each month. Interest is not credited to the account between the date the premium is received and the date the policy is issued.
North American 8/1/2013 FPDA
100% 2.45% None
Yes 0-79 $3MM
100% 2.20% None
100% 2.40% None
100% 2.05% None
100% 2.00% None
100% 2.00% None
100% 2.05% None
100% 2.00% None
100% 2.00% None
100% 2.35% None
100% None
100% Hindsight Index 2.00% None
1.15% Fixed Account No Cap None
North American 8/1/2013 FPDA
100% 2.80% None
Yes 0-79 $3MM
100% 2.45% None
100% 2.70% None
100% 2.30% None
100% 2.25% None
100% 2.15% None
100% 2.30% None
100% 2.10% None
100% 2.20% None
100% 2.65% None
100% None
100% Hindsight Index 2.00% None
1.25% Fixed Account No Cap None 1%
North American 8/1/2013 FPDA
100% 3.50% None
Yes 0-75 $3MM
100% 3.00% None
45 days from the date the application is signed
$5,000 NQ $2,000 Q
$50 Additional Premiums
10% each year including the first year
5 years:9,8,7,6,5
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the fifth contract year the full contract value
without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
4.50% 0-753.35% 76-802.25% 81-85
100% chargeback for any surrenders or withdrawals in the
first year after issue.
No chargeback under death claim.
Monthly Cap(S&P 500)
1.15% <100K1.15% 100K+(1.00% min.)
Monthly Average(S&P 500)
6.65% <100K6.65% 100K+(9.00% max)
45 days from the date the application is signed
1.05% <100K1.05% 100K+
$5,000 NQ $2,000 Q
$50 Additional Premiums
10% each year including the first year
7 years:9,8,7,6,5,4,3
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the fifth contract year the full contract value
without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
5.50% 0-754.10% 76-802.75% 81-85
100% chargeback for any surrenders or withdrawals in the
first year after issue.
No chargeback under death claim.
Performance Triggered Specified Rate
(S&P 500)
1.80% <100K1.80% 100K+(1.25% min)
Monthly Cap(S&P 500)
1.20% <100K1.20% 100K+(1.00% min.)
Monthly Average(S&P 500)
6.45% <100K6.45% 100K+(9.00% max)
45 days from the date the application is signed
1.10% <100K1.10% 100K+
$5,000 NQ $2,000 Q
$50 Additional Premiums
10% each year including the first year
9 years:9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling surrender charges
The greater of the full account value at death of owner or the guaranteed minimum non-surrender
value.
Nursing Home
Terminal Illness
Annuitize at the end of the fifth contract year the full contract value
without surrender charges or MVA. Can select a wide choice of
income payment options, including life.
6.50% 0-754.85% 76-80
100% chargeback for any surrenders or withdrawals in the
first year after issue.
No chargeback under death claim.
Performance Triggered Specified Rate
(S&P 500)
1.85% <100K1.85% 100K+(1.25% min)
Monthly Cap(S&P 500)
1.25% <100K1.25% 100K+(1.00% min.)
Monthly Average (S&P 500)
6.25% <100K6.25% 100K+(9.00% max)
45 days from the date the application is
received in the home office
North American Ten
Income Pay Rider not available on this product.
6% on all premiums for 5 years
Monthly Average(S&P 500)
100% of premiums at 1% compounded
annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
10-Years: 18,16,14,12,11
10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full Account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-79
1% on premiums applied in years 2&3
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Monthly Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Monthly Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
Monthly Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.30% S&P1.15% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Charter 10
4.00%on all premiums for 7 years
Daily Average(S&P 500)
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
10-Years: 15,14,13,12,11,10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
1% Premium Bonus if Annuitized after 10th contract year. Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
6.50% to age 75on first year premiums;
4.88% ages 76-79
1% on premiums applied in years 2&3
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Daily Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Daily Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
Daily Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt (S&P 500)
1.40% S&P1.30% NASDAQ
(1.00% min)
Minimum guaranteed cap rate for the annual point-to-point or the daily or monthly averaging crediting method is 2%. Minimum guaranteed cap rate for the monthly point-to-point is 1.00%.The minimum participation rate for the daily or monthly avg. is 10% and the annual point-to-point is 15%. The guaranteed minimum for the fixed account is 1%. In MN, UT and VA the Charter commissions will be reduced by 1%. Commissions are not paid on new premium added to a spousal continuance case.**Nursing Care Rider - increases the penalty-free withdrawal percentage to 20% of the total accumulation value while the annuitant is confined. Available to age 75 or younger at time of issue.
45 days from the date the application is
received in the home office
North American Charter 14
8%on all premiums for
7 years
Daily Average(S&P 500)
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
14-Years: 18,18,17,15,15,15,15,14,12,10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
2% Premium Bonus if Annuitized after 14th contract year! Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
Partial Annuitization is not allowed.
7.00% to age 75on first year premiums;
2.50% on premiums applied in years 2-5
0.50 on premiums in applied years 6-10
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
North American 8/1/2013 FPDA
100% 3.40% None
Yes 0-75 $3MM
100% 2.90% None
100% 2.90% None
100% 2.75% None
100% 3.00% None
100% 2.65% None
100% 2.75% None
100% 3.35% None
100% None
100% Hindsight Index 2.50% None
1.55% Fixed Account No Cap None Call our office.
North American 8/1/2013 FPDA
35% No Cap None
Yes 0-79 $3MM
45% 2.75% None
40% No Cap None
40% 2.75% None
25% No Cap None
35% 2.75% None
25% No Cap None
25% 2.75% None
30% 2.75% None
90% 2.75% None
None None
25% Hindsight Index 2.75% None
1.25% Fixed Account No Cap None
North American 8/1/2013 FPDA
45% No Cap None
Yes 0-75 $3MM
50% 3.50% None
45% No Cap None
45% 3.50% None
35% No Cap None
35% 3.50% None
30% No Cap None
30% 3.50% None
30% 3.50% None
80% 3.50% None
30% Hindsight Index 3.50% None
1.55% Fixed Account No Cap None
N/A None
North American 8/1/2013 FPDA
35% No Cap None
Yes 0-79 $3MM
20% No Cap None
35% No Cap None
20% No Cap None
25% No Cap None
15% No Cap None
45 days from the date the application is
received in the home office
North American Charter 14
8%on all premiums for
7 years
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
14-Years: 18,18,17,15,15,15,15,14,12,10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
2% Premium Bonus if Annuitized after 14th contract year! Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
Partial Annuitization is not allowed.
7.00% to age 75on first year premiums;
2.50% on premiums applied in years 2-5
0.50 on premiums in applied years 6-10
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Daily Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Daily Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
Daily Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.70% S&P1.65% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Precision 10
Index Cap is applied AFTER the participation
rate.
4%on all premiums for
7 years
Daily Average(S&P 500)
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
10-Years: 15,14,13,12,11,10,8,6,4,2
Contract Surrender Charges - no rolling surrender charges
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
1% Premium Bonus if Annuitized at End of
Term! Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
6.50% to age 75on first year premiums;
4.88% ages 76-79
1% on premiums applied in years 2&3
(1% addl comm reduction
in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Daily Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Daily Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
Daily Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.40% S&P1.30% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Precision 14
Cap is applied AFTER the participation rate.
8%on all premiums for
7 years
Daily Average(S&P 500)
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
14-Years: 18,18,17,15,15,15,15,
4,12,10,8,6,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
2% Premium Bonus if Annuitized at End of
Term! Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
7.00% to age 75on first year premiums;
2.50% on premiums applied in years 2&3
.50% on premiums in applied years 4-7
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Daily Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Daily Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
Daily Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.70% S&P1.65% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Prizm Plus 10
4%on all premiums for
7 years
Monthly Average(S&P 500)
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
10-Years: 14,13,12,11,10,9,8,6,4,3
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 100% of the contract's Accumulation Value can be withdrawn penalty-free.
1% Premium Bonus if Annuitized after the
tenth contract year! Annuitization after
first contract year without penalty if
annuitized with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
6.50% to age 75on first year premiums;
4.88% ages 76-79
1% on premiums applied in years 2&3
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Monthly Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Monthly Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
North American 8/1/2013 FPDA
25% No Cap None
Yes 0-79 $3MM
15% No Cap None
15% No Cap None
15% No Cap None
None None
1.25% Fixed Account No Cap None
North American 8/1/2013 FPDA
40% No Cap None
Yes 0-75 $3MM
25% No Cap None
45% No Cap None
25% No Cap None
30% No Cap None
20% No Cap None
30% No Cap None
15% No Cap None
20% No Cap None
20% No Cap None
None None
1.55% Fixed Account No Cap None
North American 8/1/2013 FPDA None
5% Penalty Free Option - High Band $250,000+
Yes 0-85 $3MM
100% 4.00% None
100% 3.90% None
100% 3.75% None
100% 3.65% None
100% 3.70% None
100% 4.55% None
100% None
2.00% Fixed Account No Cap None
North American 8/1/2013 FPDA None
5% Penalty Free Option - Low Band <$250,000
Yes 0-85 $3MM
100% 3.15% None
100% 3.05% None
100% 3.00% None
100% 2.85% None
100% 3.00% None
100% 3.55% None
100% None
1.60% Fixed Account No Cap None
North American 8/1/2013 FPDA None
10% Penalty Free Option - High Band $250,000+
Yes 0-85 $3MM
100% 3.35% None
100% 3.25% None
100% 3.10% None
100% 3.00% None
100% 3.10% None
100% 3.80% None
45 days from the date the application is
received in the home office
North American Prizm Plus 10
4%on all premiums for
7 years
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
10-Years: 14,13,12,11,10,9,8,6,4,3
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 100% of the contract's Accumulation Value can be withdrawn penalty-free.
1% Premium Bonus if Annuitized after the
tenth contract year! Annuitization after
first contract year without penalty if
annuitized with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
6.50% to age 75on first year premiums;
4.88% ages 76-79
1% on premiums applied in years 2&3
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.40% S&P1.30% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Prizm Plus 14
8%on all premiums for
7 years
Monthly Average(S&P 500)
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
14-Years: 18,18,17,15,15,15,15,14,
12,10,8,6,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 100% of the contract's Accumulation Value can be withdrawn penalty-free.
2% Premium Bonus if Annuitized after the fourteenth contract
year! Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
7.00% to age 75on first year premiums
2.50% on premiums applied in years 2&3
.50% on premiums in applied years 6-10
(1% addl comm reduction in VA.)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Monthly Average(Dow Jones)
Annual Pt-to-Pt(Dow Jones)
Monthly Average(S&P Mid Cap 400)
Annual Pt-to-Pt(S&P Mid Cap 400)
Monthly Average(Russell 2000)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.70% S&P1.65% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 8
*5% penalty free option High band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
5% of the full accumulation value each year after first
contract year.
8-Years: 9,9,8,7,6,5,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-802.75% ages 81-85
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.10% S&P2.05% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 8
*10% Penalty Free Option High band.
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
5% of the full accumulation value each year after first
contract year.
8-Years: 9,9,8,7,6,5,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-802.75% ages 81-85
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.75% S&P1.70% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 8
5% Penalty Free Optionlow band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
8-Years: 9,9,8,7,6,5,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-802.75% ages 81-85
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
North American 8/1/2013 FPDA None
100% None
Yes 0-85 $3MM
1.70% Fixed Account No Cap None
North American 8/1/2013 FPDA None
10% Penalty Free Option - Low Band <$250,000
Yes 0-85 $3MM
100% 2.50% None
100% 2.35% None
100% 2.25% None
100% 2.15% None
100% 2.25% None
100% 2.75% None
100% None
1.30% Fixed Account No Cap None
North American 8/1/2013 FPDA None
5% Penalty Free Option - High Band $250,000+
Yes 0-79 $3MM
100% 4.60% None
100% 4.55% None
100% 4.40% None
100% 4.25% None
100% 4.35% None
100% 5.40% None
100% None
2.30% Fixed Account No Cap None
North American 8/1/2013 FPDA None
5% Penalty Free Option - Low Band <$250,000
Yes 0-79 $3MM
100% 3.85% None
100% 3.75% None
100% 3.65% None
100% 3.50% None
100% 3.60% None
100% 4.40% None
100% None
2.00% Fixed Account No Cap None
North American 8/1/2013 None
10% Penalty Free Option - High Band $250,000+
Yes 0-79 $3MM
100% 4.00% None
100% 3.90% None
100% 3.75% None
100% 3.65% None
100% 3.70% None
100% 4.55% None
100% None
2.00% Fixed Account No Cap None
North American 8/1/2013 None
10% Penalty Free Option - Low Band <$250,000
Yes 0-79 $3MM
100% 3.10% None
100% 3.00% None
100% 2.90% None
100% 2.80% None
45 days from the date the application is
received in the home office
North American Freedom Choice 8
5% Penalty Free Optionlow band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
8-Years: 9,9,8,7,6,5,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-802.75% ages 81-85
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Pt-to-Pt(S&P 500)
1.85% S&P1.80% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 8
10%Penalty Free OptionLow Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
8-Years: 9,9,8,7,6,5,4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-802.75% ages 81-85
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.45% S&P1.35% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 10
*5% Penalty Free OptionHigh Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
5% of the full accumulation value each year after first
contract year.
10-Years: 9,9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-79
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.35% S&P2.30% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 10
*10% Penalty free optionHigh Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
5% of the full accumulation value each year after first
contract year.
10-Years: 9,9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-79
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.05% S&P2.00% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 10
5% Penalty Free OptionLow Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
10-Years: 9,9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-79
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.10% S&P2.05% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 10
10% Penalty Free Option
low Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
10-Years: 9,9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-79
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback RulesNorth American 8/1/2013 None
100% 2.90% None
Yes 0-79 $3MM
100% 3.50% None
100% None
1.60% Fixed Account No Cap None
North American 8/1/2013 FPDA None
5% Penalty Free Option - High Band $250,000+
Yes 0-75 $3MM
100% 6.45% None
100% 6.50% None
100% 6.20% None
100% 5.90% None
100% 6.00% None
100% 7.75% None
100% None
3.05% Fixed Account No Cap None
North American 8/1/2013 FPDA None
5% Penalty Free Option - Low Band <$250,000
Yes 0-75 $3MM
100% 5.55% None
100% 5.50% None
100% 5.30% None
100% 5.10% None
100% 5.20% None
100% 6.65% None
100% None
2.70% Fixed Account No Cap None
North American 8/1/2013 FPDA None
10% Penalty Free Option - High Band $250,000+
Yes 0-75 $3MM
100% 5.50% None
100% 5.45% None
100% 5.25% None
100% 5.05% None
100% 5.15% None
100% 6.60% None
100% None
2.70% Fixed Account No Cap None
North American 8/1/2013 FPDA None
10% Penalty Free Option - Low Band <$250,000
Yes 0-75 $3MM
100% 4.55% None
100% 4.50% None
100% 4.35% None
100% 4.20% None
100% 4.30% None
100% 5.35% None
100% None
2.30% Fixed Account No Cap None
High Band $250,000+
North American 8/1/2013 FPDA
70% No Cap None
No $50,000 $3MM
35% No Cap% None
45 days from the date the application is
received in the home office
North American Freedom Choice 10
10% Penalty Free Option
low Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
10-Years: 9,9,8,7,6,5,4,3,2,1
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
4.13% ages 76-79
3.00% on premiums applied in years 2&3.50% on premiums in
years 4-7
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
1.75% S&P1.70% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice
14
*5% Penalty Free Option
High Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
5% of the full accumulation value each year after first
contract year.
14-Years: 9,9,9,9,8,8,7,7,6,6,5,4,3,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
3.50% on premiums applied in years 2-5
1.50% on premiums applied in years
6-10
0.50% on premiums applied in years
11-15
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
3.00% S&P2.80% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 14
*10% Penalty Free OptionHigh Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
5% of the full accumulation value each year after first
contract year.
14-Years: 9,9,9,9,8,8,
7,7,6,6,5,4,3,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 15% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
3.50% on premiums applied in years 2-5
1.50% on premiums applied in years
6-10
0.50% on premiums applied in years
11-15
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.70% S&P2.55% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 14
5% Penalty Free Option
Low Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
14-Years: 9,9,9,9,8,8,
7,7,6,6,5,4,3,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
3.50% on premiums applied in years 2-5
1.50% on premiums applied in years
6-10
0.50% on premiums applied in years
11-15
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.65% S&P2.55% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Freedom Choice 14
10% Penalty Free Option
Low Band
87.5% of premiums at 1.10%
compounded annually
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
14-Years: 9,9,9,9,8,8,
7,7,6,6,5,4,3,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
Partial Annuitization is not allowed.
5.50% to age 75on first year premiums
3.50% on premiums applied in years 2-5
1.50% on premiums applied in years
6-10
0.50% on premiums applied in years
11-15
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Monthly Pt-to-Pt(S&P 500)
2.35% S&P2.30% NASDAQ
(1.00% min)
45 days from the date the application is
received in the home office
North American Income Choice 10
Not Available in SC
5% GLWB Bonus based on premium received in the
first five years
3 Yr. Monthly Average (S&P 500)
87.5% of premiums at 1.10%
compounded annually
40-79(May Vary By State)
5% of the full accumulation value each year after first
contract year.
10-Years: 10,10,10,10,10,9,8,6,4,2
Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
*GLWB Bonus not applicable to the
accumulation value so it is not included in the death benefit. GLWB
Value is not available as a death benefit.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
GLWB feature of annuity will terminate
upon electing an annuity payout option.
6.00% to age 75 4.50% ages 76-79
Renewal: 0.50% years 2-3
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Average(S&P 500)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
North American 8/1/2013 FPDA
100% 2.65% None
No $50,000 $3MM
100% 1.55% None
100% 2.40% None
40% No Cap None
100% 2.45% None
25% No Cap None
100% 2.35% None
100% 2.35% None
100% 1.40% None
100% 2.60% None
1.35% Fixed Account No Cap None
Low Band <$250,000
North American 8/1/2013 FPDA
60% No Cap None
No $50,000 $3MM
30% No Cap% None
100% 2.20% None
100% 1.30% None
100% 2.05% None
30% No Cap None
100% 2.00% None
25% No Cap None
100% 2.00% None
100% 2.00% None
100% 1.10% None
100% 2.10% None
1.10% Fixed Account No Cap None
High Band $250,000+
North American 8/1/2013 FPDA
90% No Cap None
No 40-75 $50,000 $3MM
45% No Cap None
100% 3.40% None
100% 1.85% None
100% 3.05% None
50% No Cap None
100% 3.25% None
35% No Cap None
100% 3.10% None
100% 3.10% None
100% 1.80% None
100% 3.50% None
1.70% Fixed Account No Cap None
Low Band < $250,000 .
45 days from the date the application is
received in the home office
North American Income Choice 10
Not Available in SC
5% GLWB Bonus based on premium received in the
first five years
87.5% of premiums at 1.10%
compounded annually
40-79(May Vary By State)
5% of the full accumulation value each year after first
contract year.
10-Years: 10,10,10,10,10,9,8,6,4,2
Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
*GLWB Bonus not applicable to the
accumulation value so it is not included in the death benefit. GLWB
Value is not available as a death benefit.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
GLWB feature of annuity will terminate
upon electing an annuity payout option.
6.00% to age 75 4.50% ages 76-79
Renewal: 0.50% years 2-3
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger
(S&P 500)
Monthly Average(DJIA)
Annual Pt-to-Pt(DJIA)
Monthly Average(S&P Midcap 400)
Annual Pt-to-Pt(S&P Midcap 400)
Annual Pt-to-Pt(Nasdaq 100)
Monthly Pt-to-Pt(Nasdaq 100)
Annual Pt-to-Pt(Afternoon London Gold
Market Index Pricing)
45 days from the date the application is
received in the home office
North American Income Choice 10
Not Available in SC
5% GLWB Bonus based on premium received in the
first five years
3 Yr. Monthly Average (S&P 500)
87.5% of premiums at 1.10%
compounded annually
40-79(May Vary By State)
5% of the full accumulation value each year after first
contract year.
10-Years: 10,10,10,10,10,9,8,6,4,2
Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
*GLWB Bonus not applicable to the
accumulation value so it is not included in the death benefit. GLWB
Value is not available as a death benefit.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
GLWB feature of annuity will terminate
upon electing an annuity payout option.
6.00% to age 75 4.50% ages 76-79
Renewal: 0.50% years 2-3
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Average(S&P 500)
Annual Pt-to-Pt(S&P 500)
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger
(S&P 500)
Monthly Average(DJIA)
Annual Pt-to-Pt(DJIA)
Monthly Average(S&P Midcap 400)
Annual Pt-to-Pt(S&P Midcap 400)
Annual Pt-to-Pt(Nasdaq 100)
Monthly Pt-to-Pt(Nasdaq 100)
Annual Pt-to-Pt(Afternoon London Gold
Market Index Pricing)
Guaranteed LifetimeGuaranteed Lifetime Withdrawal Benefit: GLWB is used as the basis for calculating Lifetime Payment Amounts. A 5% GLWB Bonus applied to all premiums in the first five contract years. A GLWB Stacking Roll-Up Credit may be added to the GLWB Value during the first 20 contract years and it compounds annually. On each contract anniversary, the current GLWB Value may be increased by 5% of the GLWB Value plus the dollar amount of any interest credited to the Accumulation Value. * Roll-Up credit only applies if no withdrawals are taken in the contract year.
45 days from the date the application is
received in the home office
North American Income Choice 14
Not Available in SC
5% GLWB Bonus based on premium received in the
first five years
3 Yr. Monthly Average (S&P 500)
87.5% of premiums at 1.10%
compounded annually
5% of the full accumulation value each year after first
contract year.
14-Years: 10,10,10,10,10,9,8,7,6,5,
4,3,2,1
Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
*GLWB Bonus not applicable to the
accumulation value so it is not included in the death benefit. GLWB
Value is not available as a death benefit.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
GLWB feature of annuity will terminate
upon electing an annuity payout option.
7.00% to age 75
Renewal: 2.50% years 2-50.50% years 6-10
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Average(S&P 500)
Annual Pt-to-Pt(S&P 500)
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger
(S&P 500)
Monthly Average(DJIA)
Annual Pt-to-Pt(DJIA)
Monthly Average(S&P Midcap 400)
Annual Pt-to-Pt(S&P Midcap 400)
Annual Pt-to-Pt(Nasdaq 100)
Monthly Pt-to-Pt(Nasdaq 100)
Annual Pt-to-Pt(Afternoon London Gold
Market Index Pricing)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
North American 8/1/2013 FPDA
80% No Cap None
No 40-75 $50,000 $3MM
40% No Cap None
100% 3.00% None
100% 1.65% None
100% 2.65% None
40% No Cap None
100% 2.80% None
30% No Cap None
100% 2.65% None
100% 2.65% None
100% 1.60% None
100% 3.00% None
1.50% Fixed Account No Cap None
North American 8/1/2013 FPDA
100% 3.05% None
Yes 0-75 $3MM
100% 1.70% None
100% 2.75% None
100% 3.00% None
100% 2.85% None
100% 2.75% None
100% 2.85% None
100% 1.65% None
100% 3.45% None
100% 3.15% None
1.55% Fixed Account No Cap None
North American 8/1/2013 FPDA None
100% 5.80% None
Yes 0-75 $3MM
100% 2.50% None
100% 5.30% None
100% 6.20% None
100% 5.35% None
100% 5.05% None
100% 5.10% None
100% 2.30% None
100% 5.80% None
100% 6.00% None
2.55% Fixed Account No Cap None
North American 8/1/2013 FPDA
100% 2.70% None
Yes 0-85 $3MM
100% 1.55% None
100% 2.45% None
100% 2.60% None
100% 2.45% None
100% 2.35% None
45 days from the date the application is
received in the home office
North American Income Choice 14
Not Available in SC
5% GLWB Bonus based on premium received in the
first five years
3 Yr. Monthly Average (S&P 500)
87.5% of premiums at 1.10%
compounded annually
5% of the full accumulation value each year after first
contract year.
14-Years: 10,10,10,10,10,9,8,7,6,5,
4,3,2,1
Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
*GLWB Bonus not applicable to the
accumulation value so it is not included in the death benefit. GLWB
Value is not available as a death benefit.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 10% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 10 years.
GLWB feature of annuity will terminate
upon electing an annuity payout option.
7.00% to age 75
Renewal: 2.50% years 2-50.50% years 6-10
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Average(S&P 500)
Annual Pt-to-Pt(S&P 500)
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger
(S&P 500)
Monthly Average(DJIA)
Annual Pt-to-Pt(DJIA)
Monthly Average(S&P Midcap 400)
Annual Pt-to-Pt(S&P Midcap 400)
Annual Pt-to-Pt(Nasdaq 100)
Monthly Pt-to-Pt(Nasdaq 100)
Annual Pt-to-Pt(Afternoon London Gold
Market Index Pricing)
Guaranteed Lifetime Withdrawal Benefit: GLWB is used as the basis for calculating Lifetime Payment Amounts. A 5% GLWB Bonus applied to all premiums in the first five contract years. A GLWB Stacking Roll-Up Credit may be added to the GLWB Value during the first 20 contract years and it compounds annually. On each contract anniversary, the current GLWB Value may be increased by 5% of the GLWB Value plus the dollar amount of any interest credited to the Accumulation Value. * Roll-Up credit only applies if no withdrawals are taken in the contract year.
45 days from the date the application is
received in the home office
North American Performance Choice 12
Plus
9%on all premiums for
5 years
Annual Pt-to-Pt(S&P 500)
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
12-Years: 10,10,10,10,10,9,8,7,6,5,
4,2
Premium Bonus Recapture:
100,95,90,85,80,70,60,50,40,30,20,10
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 8 years.
Partial Annuitization is not allowed.
6.00% to age 75on first year premiums
.50% on premiums applied in years 2&3
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Pt to Pt(S&P 500)
Inverse Performance Trigger** (S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Monthly Pt to Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Annual Pt-to-Pt(Hang Seng)
45 days from the date the application is
received in the home office
North American Performance Choice 12
Annual Pt-to-Pt(S&P 500)
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
12-Years: 10,10,10,10,10,9,8,7,6,5,
4,2
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 8 years.
Partial Annuitization is not allowed.
6.00% to age 75on first year premiums
0.50% on premiums applied in years 2&3
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly PT to PT(S&P 500)
Inverse Performance Trigger** (S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Monthly Pt to Pt(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Annual Pt-to-Pt(Hang Seng)
45 days from the date the application is
received in the home office
North American Performance Choice 8
Plus
5%on all premiums for
5 years
Annual Pt-to-Pt(S&P 500)
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
8-Years: 10,10,10,10,9,8,5,3
Premium Bonus Recapture:
100,90,80,70,60,50,40,20
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.00% to age 753.75% ages 76-792.50% ages 80-85
on first year premiums
0.50% on premiums applied in years 2&3
(SC Commission reduced by 1.00)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger** (S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback RulesNorth American 8/1/2013 FPDA
100% 2.45% None
Yes 0-85 $3MM
100% 1.50% None
100% 3.00% None
100% 2.70% None
1.40% Fixed Account No Cap None
North American 8/1/2013 FPDA None
100% 4.40% None
Yes 0-85 $3MM
100% 2.00% None
100% 4.20% None
100% 4.45% None
100% 4.05% None
100% 3.85% None
100% 4.00% None
100% 1.80% None
100% 4.30% None
100% 4.30% None
2.00% Fixed Account No Cap None
North American 8/1/2013 FPDA
35% No Cap None
No 0-79 $20,000 $3MM
100% 2.55% None
100% 5.30% None
100% 1.50% None
100% 2.35% None
40% No Cap None
100% 2.45% None
25% No Cap None
100% 2.30% None
100% 2.35% None
100% 1.40% None
100% 2.60% None
1.30% Fixed Account No Cap None
North American 8/1/2013 FPDA
40% No Cap None
No 0-75 $20,000 $3MM
100% 3.10% None
100% 6.60% None
100% 1.75% None
100% 2.80% None
45% No Cap None
100% 3.00% None
30% No Cap None
100% 2.85% None
100% 2.85% None
100% 1.70% None
100% 3.25%
1.60% Fixed Account No Cap None
45 days from the date the application is
received in the home office
North American Performance Choice 8
Plus
5%on all premiums for
5 years
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
8-Years: 10,10,10,10,9,8,5,3
Premium Bonus Recapture:
100,90,80,70,60,50,40,20
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.00% to age 753.75% ages 76-792.50% ages 80-85
on first year premiums
0.50% on premiums applied in years 2&3
(SC Commission reduced by 1.00)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(NASDAQ-100)
Monthly Pt to PT(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Annual Pt-to-Pt(Hang Seng)
45 days from the date the application is
received in the home office
North American Performance Choice 8
Annual Pt-to-Pt(S&P 500)
87.5% of premiums at 1.10%
compounded annually
(Subject to change prior to policy issue)
$2,000 Q$10,000 NQ
Ongoing premiums accepted in any amount
10% of the full accumulation value each year after first
contract year.
*Only allowed to make one withdrawal per year.
8-Years: 10,10,10,10,9,8,5,3
Contract Surrender Charges - no rolling
surrenders.
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
5.00% to age 753.75% ages 76-792.50% ages 80-85
on first year premiums
.50% on premiums applied in years 2&3
(SC Commission reduced by 1.00)
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Monthly Pt-to Pt(S&P 500)
Inverse Performance Trigger** (S&P 500)
Annual Pt-to-Pt(Dow Jones)
Annual Pt-to-Pt(S&P Mid Cap 400)
Annual Pt-to-Pt(Russell 2000)
Annual Pt-to-Pt(NASDAQ-100)
Monthly PP(NASDAQ-100)
Annual Pt-to-Pt(DJ Euro STOXX 50)
Annual Pt-to-Pt(Hang Seng)
45 days from the date the application is
received in the home office
North American Retire Choice 10
Not Available in SC
6% on all premiums in the first
5 contract years(Credited to the
accumulation value)
Monthly Average (S&P 500)
87.5% of premiums at 1.10%
compounded annually
10% of the full accumulation value each year after first
contract year.
10-Years: 10,10,9,9,8,8,7,6,4,2
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
6.50% to age 75 4.875% ages 76-79
Renewal: 2.00% years 2-30.50% years 4-9
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Biannual Pt-to-Pt(S&P 500)
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger
(S&P 500)
Monthly Average(DJIA)
Annual Pt-to-Pt(DJIA)
Monthly Average(S&P Midcap 400)
Annual Pt-to-Pt(S&P Midcap 400)
Annual Pt-to-Pt(Nasdaq 100)
Monthly Pt-to-Pt(Nasdaq 100)
Annual Pt-to-Pt(Afternoon London Gold
Market Index Pricing)
45 days from the date the application is
received in the home office
North American Retire Choice 14
Not Available in SC
11% on all premiums in the first
5 contract years(Credited to the
accumulation value)
Monthly Average (S&P 500)
87.5% of premiums at 1.10%
compounded annually
10% of the full accumulation value each year after first
contract year.
14-Years: 10,10,10,10,10,9,8,7,6,5,
4,3,2,1
Full account value at the death of the owner or annuitant. If there are
joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the
death benefit will be paid out at the first death.
Nursing Hometo age 75 at issue
__
After the first anniversary - 90 day confinement - 20% of the contract's Accumulation Value can be withdrawn penalty-free.
Annuitization after first contract year without penalty if annuitized
with a life contingency.
Annuitization after the 5th contract year without penalty if
annuitized for at least 5 years.
Partial Annuitization is not allowed.
7.5% to age 75
Renewal: 3.00% years 2-51.30% years 6-10
Chargeback in first year for death,
surrenders, partial withdrawals, RMDs
or cancellations.
100%months 1-6
50%months 7-12
Annual Pt-to-Pt(S&P 500)
Biannual Pt-to-Pt(S&P 500)
Monthly Pt-to-Pt(S&P 500)
Inverse Performance Trigger
(S&P 500)
Monthly Average(DJIA)
Annual Pt-to-Pt(DJIA)
Monthly Average(S&P Midcap 400)
Annual Pt-to-Pt(S&P Midcap 400)
Annual Pt-to-Pt(Nasdaq 100)
Monthly Pt-to-Pt(Nasdaq 100)
Annual Pt-to-Pt(Afternoon London Gold
Market Index Pricing)
For producer use only. Revised 04/17/2023
Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate
EffectiveDate
SPDAor
FPDA
CashBonus
RatesCurrent/
Guaranteed
Fees/Margins
MinimumContractualGuarantee
IssueAges
MinimumPremium
Maximum Premium
LiquidityOptions
SurrenderCharges
DeathBenefit
AnnuitizationOptions
MGACommission
Commission Chargeback Rules
8/1/2013 SPDA
100% None
Yes $1MM
100%
100% Gold Strategy None
Fixed Account No Cap None
8/1/2013 SPDA
100% None
Yes $1MM
100% Rising Interest Strategy
100% Gold Strategy None
Fixed Account No Cap None
Reliance Standard 6/25/2013 Keystone 5 SPDA none
100% None
No 0-85 Full account value100% None
Fixed Account No Cap None
Reliance Standard 6/25/2013 Keystone 7 SPDA none
100% None
No 0-85 Full account value100% None
Fixed Account No Cap None
Reliance Standard 6/25/2013 Keystone 10 SPDA none
100% None
No 0-80 Full account value100% None
Fixed Account No Cap None
Reliance Standard Notes: Contract Owner must also be the annuitant for all annuity applications except in situations where the Contract Owner is a Trust, Corporation or other Non-Natural entity. In addition, Joint Owners must also be designated as Joint Annuitants.
Sagicor Life 5/1/2013 SPDA 5%
Fixed Account No Cap None
No $2,000
100% None
No Cap None
PHL Variable Insurance Company
60 days from the date the application is
received by the home office
NEW CommandMark
Not Available in SC See quick ref sheet for details, including index
methods & options
No Bonus Products:*10% compound annual
roll-up*6-year roll-up period.
Bonus Products:6.50%compound annual
roll-up10-year roll-up period**Note an income rider
must be elected with 5-yr
10-year productCommand Mark 0%
CommandMark Plus 7%
5-year productCommandMark IR 5%
Pt-to-Pt with cap(S&P 500)
Cmark: 3.00% CMarkPlus:2.50%Cmark IR: 2.75%
min(1.00%)
87.5% @ 1.00%90% in NC
see ref sheets for full details
0-79 in NC
0-69, Inherited IRAs and Inherited
Roth IRAs
0-85 many other states
see ref. sheets
$3,000 Q$15,000 NQ
10% each year after first year
RMD available in the first year.
Checkbook access**
Command Mark10-years
12,12,12,11,10,98,7,6,5
Command Mark Plus10-years
15,15,14,13,12,0,9,8,7,6
Command Mark IR:5yrs.
12.50,11.50,10.50, 9.50,8.00,
Full account value paid at death
Additional Charge Heritage Rider-enhanced death benefit equals the
greater of1.Contractual death
benefit orAnnuity value plus 50% of
difference between income base & annuity
value. Available only with election of income rider to
issue ages 0-75
Confinement Waiver-
Current Annual Rider Costs
Income Rider only 0.95%Income Rider & Heritage Rider 1.15%
Can annuitize for full account value at any time including the first
contract year.
See quick Ref. sheet for Income Command Rider 2.0 Enhanced &
Income Command Rider 2.0 (both provide
guarantee income without Annuitization)
see details
Command Mark9.00% 0-756.75% 76-804.50% 81-85
CommandMarkPlus Lt SC7% 0-75
5.25% 76-803.50% 81-85
100% Chargeback in first 12 months for full surrenders.
Death is charged back based on a
declining schedule for the first 12
months
Rising Interest Strategy100% par
Cmark: 2.60% CMarkPlus:2.30%Cmark IR: 2.40%
(1.00% min)
MultiplierCmark:3.50
CMarkPlus: 3.00Cmark IR:3.25
min (1)
Cmark: 2.25% CMarkPlus:1.75%Cmark IR: 2.00%
(1.00% min.)
Cmark: 1.60% CMarkPlus:1.30%Cmark IR: 1.50%
(0% min)
PHL Variable Insurance Company
60 days from the date the application is
received by the home office
CommandMark LTCommandMark Plus LT,CommandMark IR LT:
available in SC
*** products are subject to change pls. call for details.
10-year productCommand Mark LT 0%
CommandMark Plus LT 5%
5-year productCommandMark IR LT 4%
Pt-to-Pt with Cap(S&P 500)
2.75% LT(1.00% min)
Plus LT:2.25%IR LT: 2.50%
87.5% @ 1.00%90% in NC
see ref sheets for full details
0-85
0-79 in NC
0-69, Inherited IRAs and Inherited
Roth IRAs
$3,000 Q$15,000 NQ
10% each year after first year
RMD available in the first year.
Checkbook access**
CommandMark LT & Plus LT
9.00,8.25,7.25,6.505.50,4.50,3.75,2.75,1.75,.75,
IR LT: 9.00,8.25,7.25,6.50,5.50,
0%
Full account value paid at death
Confinement Waiver-Checkbook access**-
Optional Income Command Rider with 10% compound roll-up. (Annual cost - 0.95%)
Can annuitize for full account value at any time including the first
contract year.
See quick Ref. sheet for Income Command Rider 2.0 Enhanced &
Income Command Rider 2.0 (both provide
guarantee income without Annuitization)
see details
CommandMark LT 8.50% 0-75
6.38% 76-804.25% 81-85
CommandMark IR LT: 4.50% 0-753.38% 76-802.25% 81-85
CommandMark Plus LT:7.00% 0-755.25% 76-803.50% 81-85
100% Chargeback in first 12 months for full surrenders.
Death is charged back based on a
declining schedule for the first 12
months
2.40%LT(1.00% min)
plus LT 2.00%IR LT: 2.30%
Multiplier3.25LT
plus LT 2.70IR LT: 3.00
2.00% LT(1.00% min.)
Plus LT: 1.50%IR LT: 1.75%
1.50%LT(0% min)LT: 1.20%
IR LT: 1.30%
*In NC, the minimum guaranteed surrender value equals 90% of the premium payment received, minus withdrawals and any rider charges as they occur, all accumulated at the minimum guaranteed interest rate for the life of the contract. **Checkbook Access - Draft must be a minimum of $500 and made payable to the Owner's bank. Drafts are limited to four per year. Available only to individual U.S. residents and to traditional IRA and nonqualified contracts. ***If contract is surrendered during surrender charge period, any surrender charges that were not assessed in the previous 12 months under the contract's penalty-free withdrawals provision will be charged.
**Checkbook Access - Draft must be a minimum of $500 and made payable to the Owner's bank. Drafts are limited to four per year. available only to individual U.S. residents and to traditional IRA and nonqualified contracts. ***If contract is surrendered during surrender charge period, any surrender charges that were not assessed in the previous 12 months under the contract's penalty-free withdrawals provision will be charged.
45 days from the date the transfer paperwork is sent by the home office
Monthly Average(S&P 500)
4.30%(2.00% min)
87.5% of any additional premiums
@ 1.00%
$10,000
(minimum of $5,000 per strategy)
500Kwithout large
case questionnaire
10% of premium in the first year, 10% of
annuity value each year after first year. Lump
sum.
Monthly withdrawals up to 10% available from
the fixed account.
5 years9, 8, 7, 6,5
Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at
issue.
Terminal Illness
Can annuitize for full account value after five
years.
If policy is still in surrender charge
period, annuitize for at least 6 years to avoid
annuitizing at surrender value.
4.00% to 802.40% 81-85
100% first6 months
50% months7-12
Annual Pt-to-Pt(S&P 500)
3.80%(2.00% min)
2.10%(1.00% min)
45 days from the date the transfer paperwork is sent by the home office
Monthly Average(S&P 500)
4.55%(2.00% min)
87.5% of any additional premiums
@ 1.00%
$10,000
(minimum of $5,000 per strategy)
500Kwithout large
case questionnaire
10% of premium in the first year, 10% of
annuity value each year after first year. Lump
sum.
Monthly withdrawals up to 10% available from
the fixed account.
7 years9, 8, 7, 6,5,4,3
Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at
issue.
Terminal Illness
Can annuitize for full account value after five
years.
If policy is still in surrender charge
period, annuitize for at least 6 years to avoid
annuitizing at surrender value.
5.00% to 803.00% 81-85
100% first6 months
50% months7-12
Annual Pt-to-Pt(S&P 500)
4.05%(2.00% min)
2.15%(1.00% min)
45 days from the date the transfer paperwork is sent by the home office
Monthly Average(S&P 500)
4.80%(2.00% min)
87.5% of any additional premiums
@ 1.00%
$10,000
(minimum of $5,000 per strategy)
500Kwithout large
case questionnaire
10% of premium in the first year, 10% of
annuity value each year after first year. Lump
sum.
Monthly withdrawals up to 10% available from
the fixed account.
10 years9, 9, 8, 7, 6,5,4,3,2,1
Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at
issue.
Terminal Illness
Can annuitize for full account value after five
years.
If policy is still in surrender charge
period, annuitize for at least 6 years to avoid
annuitizing at surrender value.
6.00% to 804.00% 81-85
100% first6 months
50% months7-12
Annual Pt-to-Pt(S&P 500)
4.30%(2.00% min)
2.20%(1.00% min)
60 days from the date the application is
received by the home office
Platinum Series Sage Advantage
1.50%(1.00% min)
100% @ 2% through year 13,
and 3% from years 14+
15 days-85 years
greater than 500K requires home office
approval
(1) (2) (3)10% each year after the first year, cumulative to
50%.
9 years:8,8,8,8,7,6,5,3,1
Full Account Value at death of owner
Confinement Waiver
Nursing HomeWaiver
You can annuitize at accumulation value at the end of the first year with a minimum payout
option of 10 years.(Payouts less than 10
years would be at surrender value)
Temporary Commission Cut of .50%
New Commissions:4.50% 0-752.00% 76-85
100% months 1-6 for accidental deaths
&50% months
7-12
Annual Pt-to-Pt(S&P 500)
4.00%(4.00% min)
20%(20% minimum)
Annual Pt-toPtGlobal Advantage Strategy
Utilizes the best of the Russell 2000,
EUROSTOXX 50, & Hang Seng Indices (4)
SAGICOR NOTES:
(1) For added convenience, a checkbook style form is available with the issuance of this contract.
(2) Beginning the second year and each year thereafter, the Owner may withdraw up to 10% of the Account Value without Surrender Charges. RMDs that exceed the 10% are also penalty-free. Any portion of the free partial withdrawal not used in any given year will be carried over to the next year. Carry over amounts will continue to accumulate until the Free Partial Withdrawal reaches a maximum of 50% where it will remain until a withdrawal is taken. In any year the partial withdrawal reaches 50%, the maximum of additional accumulation in the next year will be the lesser of the percentage of withdrawal taken and 10%.
(3) The Contract provides a guaranteed withdrawal benefit provision beginning in the 13th contract year. This means the Owner may withdraw 10% of the initial deposit from the beginning-of-the-year account value starting in the 11th year for up to 20 years, (providing no withdrawals have been taken) regardless of actual interest credited to the Contract. The withdrawal benefit is also cumulative. See contract for details.
(4) This is a 1-year point-to-point indexed strategy that utilized a "basket" of indices, as indicated above. Interest is credited at the end of each year. The Indexed Interest Rate is calculated using 60% of the return of the best-performing index, plus 40% of the return of the second best-performing index, and is submit to a participation rate and cap, as stated above. The worse-performing index is not used when determining the Indexed Interest Rate. This strategy provides an opportunity to benefit from globally diversified indices that do not necessarily move in the same direction at the same time.
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 31 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
NSS Life N/R 1 year $2,000 01/02/13 1.00% 1.00% 1.00% 0.50% unlimited issue ages
Guggenheim B++ 3 years Preserve Multi-Year Guaranteed Annuity $250,000+ 08/01/13 2.10% 2.10% years 2-3 2.10% 1.00% to 80, 0.75% 81-85, .50% 86-90
NSS Life N/R 3 years $2,000 01/02/13 2.00% 2.00% years 2-3 2.00% 1% unlimited issue ages
Guggenheim B++ 3 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.00% 2.00% years 2-3 2.00% 1.00% to 80, 0.75% 81-85, .50% 86-90
Equitrust Life B++ 3 years Certainty Select $10,000 07/17/13 2.00% 2.00% years 2-3 2.00% 2.00% 0-80, 1.50% 81-90
North American A+ 3 years Guarantee Choice 3 $200,000 08/01/13 1.40% 1.40% years 1-3 1.40% 1.50 % to 80, 1.125% 81-85, .75% 86-90
F&G Life B++ 3 years FG Guarantee-Platinum 3 $5,000 NQ, $2,000 Q 07/01/13 1.20% 1.20% years 2-3 1.20% 1.50% to 79, 0.75% 80-90
North American A+ 3 years Guarantee Choice 3 08/01/13 1.15% 1.15% years 1-3 1.15% 1.50% to 80, 1.125% 81-85, .75% 86-90
Principal A+ 3 years Select Series Annuity $5,000 08/15/13 0.90% 0.90% years 1-3 0.90% *Updated Commissions Coming Soon
Guggenheim B++ 4 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 2.35% 2.35% years 2-4 2.35% 1.75% to 80, 1.31% 81-85, .88% 86-90
Guggenheim B++ 4 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.25% 2.25% years 2-4 2.25% 1.75% to 80, 1.31% 81-85, .88% 86-90
Principal A+ 4 years $100,000 08/15/13 2.92% 1.40% years 2-4 1.78% *Updated Commissions Coming Soon
North American A+ 4 years Guarantee Choice 4 $200,000 08/01/13 1.65% 1.65% years 2-4 1.65% 2.00% to 80, 1.50% 81-85, 1.00% 86-90
Principal A+ 4 years $50,000 - $99,000 08/15/13 2.41% 1.40% years 2-4 1.65% *Updated Commissions Coming Soon
Principal A+ 4 years Select Series Annuity $5,000 - $49,999 08/15/13 1.40% 1.40% years 2-4 1.52% *Updated Commissions Coming Soon
North American A+ 4 years Guarantee Choice 4 08/01/13 1.40% 1.40% years 2-4 1.40% 2.00% to 80, 1.50% 81-85, 1.00% 86-90
Integrity Life A+ 4 years MultiVantage 4 $20,000 07/31/13 2.00% 1.00% years 2-4 1.25% 2.00% to 79, .50% 80-86
Principal A+ 4 years Secure Fixed Annuity $100,000 08/15/13 1.40% 1.15% years 2-4 1.21% *Updated Commissions Coming Soon
Preferred Choice($25,000 max premium per client)
30 day window after 1st
contract year
Optimum 3($25,000 max premium per client)
$5,000 Q, $10,000 NQto $249,999
$2,000 Q, $10,000 NQto $199,999
$5,000 Q, $10,000 NQto $249,999
Select Series Annuity(1st year includes a 1.50% premium credit)
Select Series Annuity
$2,000 Q, $10,000 NQto $199,999
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 32 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
Principal A+ 4 years Secure Fixed Annuity $5,000 - $99,000 08/15/13 1.15% 1.15% years 2-4 1.15% *Updated Commissions Coming Soon
Sentinel Security B++ 5 years $2,500 05/22/13 2.85% 2.85% years 2-5 2.85% 2.25% to 80, 1.50% 81-90
Athene Annuity B++ 5 years $5,000 07/30/13 2.85% 2.85% years 2-5 2.85% 2.25% to 75, 1.50% 76-80
Guggenheim B++ 5 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 2.80% 2.80% years 2-5 2.80% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Oxford Life B++ 5 year $25,000 - $350,000 08/01/13 2.75% 2.75% years 2-5 2.75% 3.00% to 75, 2.00% 76-80
Guggenheim B++ 5 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.70% 2.70% years 2-5 2.70% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Equitrust Life B++ 5 years Certainty Select $10,000 07/17/13 2.70% 2.70% years 2-5 2.70% 3.00% 0-80, 2.25% 81-90
American Equity A- 5 years Guarantee 5 $10,000 08/01/13 2.60% 2.60% years 2-5 2.60% 3.00% to 75, 2.00% 76-80
Genworth A 5 years $250,000 07/31/13 2.55% 1.65% years 2-5 2.60% 3.00% to 75, 1.95% 76-80, 1.05% 81-85
Reliance Standard A 5 years Eleos MVA SPDA $10,000 06/25/13 3.30% 2.30% 2.50% 3.25% to 75, 2.60% 76-80, 1.95% 81-85
North American A+ 5 years Guarantee Choice 5 $200,000 08/01/13 2.50% 2.50% years 2-5 2.50% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Genworth A 5 years $100,000 - $249,999 07/31/13 2.40% 1.65% years 2-5 2.47% 3.00% to 75, 1.95% 76-80, 1.05% 81-85
Oxford Life B++ 5 years $10,000 - $24,999 08/01/13 2.25% 2.25% years 2-5 2.25% 3.00% to 75, 2.00% 76-80
North American A+ 5 years Guarantee Choice 5 08/01/13 2.25% 2.25% years 2-5 2.25% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Genworth A 5 years SecureLiving Rate Saver 5 $250,000 07/31/13 2.20% 2.20% years 2-5 2.20% 2.00% to 75, 1.35% 76-80, .70% 81-85
NSS Life N/R 5 years $10,000 01/02/13 3.00% 2.00% years 2-5 2.20% 2.75% to 79, 1.00% 80+
F&G Life B++ 5 years FG Guarantee-Plus 5 $5,000 NQ, $2,000 Q 08/01/13 3.00% 2.00% years 2-5 2.20% 2.50% to 79, 1.25% 80-90
Genworth A 5 years 07/31/13 2.00% 1.65% years 2-5 2.14% 3.00% to 75, 1.95% 76-80, 1.05% 81-85
Personal Choice 5(Ask us about liquidity options.)
MaxRate 5Not available in TN & other states. Lower rate in FL. Enhanced Liquidity feature 2.30%
Income Protectorfeaturing an income rider with a 7.50% roll-up interest rate ($250,000 maximum premium)
$5,000 Q, $10,000 NQto $249,999
SecureLiving Liberty(6-yr surr - 1.85% bail out)
base rate years2-5 (1% min)
SecureLiving Liberty(6-yr surr - 1.30% bail out)
Income Protectorfeaturing an income rider with a 7% roll-up interest rate ($250,000 maximum premium)
$2,000 Q, $10,000 NQto $199,999
Preferred 5$100,000 maximum premium per client
SecureLiving Liberty(6-yr surr - 1.85% bail out)
$5,000 NQ, $2,000 Q$99,999
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 33 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
Genworth A 5 years SecureLiving Rate Saver 5 $100,000 - $249,999 07/31/13 2.10% 2.10% years 2-5 2.10% 2.00% to 75, 1.35% 76-80, .70% 81-85
F&G Life B++ 5 years $5,000 NQ, $2,000 Q 08/01/13 2.10% 2.10% years 2-5 2.10% 2.50% to 79, 1.25% 80-90
F&G Life B++ 5 years $5,000 NQ, $2,000 Q 08/01/13 1.95% 1.95% years 2-5 1.95% 2.50% to 79, 1.25% 80-90
Genworth A 5 years SecureLiving Rate Saver 5 $25,000 - $99,999 07/31/13 1.90% 1.90% years 2-5 1.90% 2.00% to 75, 1.35% 76-80, .70% 81-85
American General A 5 years HorizonSelect 5 $5,000 08/12/13 2.05% 2.05% years 2-5 2.05% 2.20% to 80, 1.70% 81-85
American National A 5 years Palladium MYG 5 $100,000 08/01/13 2.50% 1.50% years 2-5 1.70% 2.50% to 79, 0.05% 80-85
Integrity Life A+ 5 years $3,000 07/31/13 2.50% 1.50% years 2-5 1.70% 4.00% to 79, 2.00% 80-85
American National A 5 years Palladium MYG 5 $5,000 - $99,999 08/01/13 2.40% 1.40% years 2-5 1.60% 2.50% to 79, 0.50% 80-85
Integrity Life A+ 5 years MultiVantage 5 $20,000 07/31/13 2.40% 1.40% years 2-5 1.60% 2.50% to 79, .50% 80-86
Allianz Life A 5 years Dominator Plus $25,000 02/12/12 1.50% 1.50% years 2-5 1.50% 3.00% to 75, 2.00% 76-80, 1.00% 81-85
Lincoln Financial A+ 5 years MYGuarantee Plus 5 $100,000 07/01/13 1.20% 1.20% years 2-5 1.20% 1.90% to 75, 1.20% 76-80, 0.65% 81-85
Lincoln Financial A+ 5 years MYGuarantee Plus 5 $10,000 - $99,999 07/01/13 1.05% 1.05% years 2-5 1.05% 1.90% to 75, 1.20% 76-80, 0.65% 81-85
Equitrust Life B++ 6 years Certainty Select $10,000 07/17/13 3.00% 3.00% years 2-6 3.00% 3.00% 0-80, 2.25% 81-90
Guggenheim B++ 6 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 3.00% 3.00% years 2-6 3.00% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Guggenheim B++ 6 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.90% 2.90% years 2-6 2.90% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Principal A+ 6 years $100,000 08/15/13 3.98% 1.95% years 2-6 2.29% *Updated Commissions Coming Soon
North American A+ 6 years Guarantee Choice 6 $200,000 08/01/13 2.25% 2.25% years 2-6 2.25% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Sagicor Life A- 6 years $5,000 05/01/13 2.50% 2.00% 2.08% 3.00% to 80, 1% 81-90
Principal A+ 6 years $50,000 - $99,999 08/15/13 2.91% 1.90% 2.07%
FG Guarantee-Plat 5(All states except NC, CT,OK)
FG Guarantee-Platinum 5(NC, CT, & OK only)
SPDA II Series(5-yr rate; 7-yr surrender period)
$5,000 Q, $10,000 NQto $249,999
Select Series Annuity(1st yr rate include 2.00% prem bonus; 1.55%)
Gold Series Sage Choice(2% minimum guarantee)
minimumyears 2-6
Select Series Annuity(1st yr rate include 1% prem bonus; 1.50% base)
minimumyears 2-6
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 34 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
North American A+ 6 years Guarantee Choice 6 08/01/13 2.00% 2.00% years 2-6 2.00% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
American General A 6 years Horizon Achiever $5,000 08/12/13 2.05% 2.05% years 2-6 2.05% 3.00% 0-80, 2.00% 81-85
American National A 6 years Palladium MYG 6 $100,000 08/01/13 1.90% 1.90% years 2-6 1.90% 2.50% to 79, .50% 80-85
Principal A+ 6 years Select Series Annuity $5,000 - $49,999 08/15/13 1.80% 1.80% years 2-6 1.80% *Updated Commissions Coming Soon
American National A 6 years Palladium MYG 6 $5,000 - $99,999 08/01/13 1.80% 1.80% years 2-6 1.80% 2.50% to 79, .50% 80-85
Principal A+ 6 years Secure Fixed Annuity $100,000 815/13 3.47% 1.45% years 2-6 1.78% *Updated Commissions Coming Soon
Principal A+ 6 years Secure Fixed Annuity $50,000 - $99,999 08/15/13 2.46% 1.45% years 2-6 1.62% *Updated Commissions Coming Soon
Lincoln Financial A+ 6 years MYGuarantee Plus 6 $100,000 07/01/13 1.30% 1.30% years 2-6 1.30% 2.50% to 79, .50% 80-85
Lincoln Financial A+ 6 years MYGuarantee Plus 6 $10,000 - $99,999 07/01/13 1.15% 1.15% years 2-6 1.15% 3.00% to 80, 1.00% 81-90
Guggenheim B++ 7 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 3.30% 3.30% years 2-7 3.30% 2.50% to 80. 1.88% 81-85.1.25%86-90
Athene Annuity B++ 7 years $5,000 07/30/13 3.25% 3.25% years 2-7 3.25% 2.50% to 75, 1.70% 76-80
Sentinel Security B++ 7 years $2,500 05/22/13 3.20% 3.20% years 2-7 3.20% 2.25% to 80, 1.50% 81-90
Guggenheim B++ 7 years Preserve Multi-Year Guaranteed Annuity 07/01/13 3.20% 3.20% years 2-7 3.20% 2.50% to 80. 1.88% 81-85.1.25%86-90
American Equity A- 7 years Guarantee 7 $10,000 08/01/13 3.00% 3.00% years 2-7 3.00% 2.50% to 75, 1.50% 76-80
Genworth A 7 years SecureLiving Rate Saver 7 $250,000 07/31/13 2.85% 2.85% years 2-7 2.85% 2.75% to 75, 2.15% 76-80, 1.50% 81-85
Genworth A 7 years SecureLiving Rate Saver 7 $100,000 - $249,999 07/31/13 2.75% 2.75% years 2-7 2.75% 2.75% to 75, 2.15% 76-80, 1.50% 81-85
American National A 7 years Palladium MYG 7 $100,000 08/01/13 3.50% 2.50% years 2-7 2.64% 2.50% to 79, .50% 80-85
F&G Life B++ 7 years FG Guarantee-Plus7 $5,000 NQ, $2,000 Q 08/01/13 3.50% 2.50% years 2-7 2.64% 3.25% to 79, 1.625% 80-90
F&G Life B++ 7 years FG Guarantee Platinum 7 $5,000 NQ, $2,000 Q 08/01/13 2.60% 2.60% years 2-7 2.60% 3.25% to 79, 1.625% 80-90
$2,000 Q, $10,000 NQto $199,999
MaxRate 7Not avail. in TN & other states. FL lower rate. Enhanced Liquidity lover rate 2.75%
Personal Choice(Ask us about liquidity options.)
$5,000 Q, $10,000 NQto $249,999
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 35 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
Genworth A 7 years SecureLiving Rate Saver 7 $25,000 - $99,999 07/31/13 2.55% 2.55% years 2-7 2.55% 2.75% to 75, 2.15% 76-80, 1.50% 81-85
American National A 7 years Palladium MYG 7 $5,000 - $99,999 08/01/13 3.40% 2.40% years 2-7 2.54% 2.50% to 79, .50% 80-85
North American A+ 7 years Guarantee Choice 7 $200,000 08/01/13 2.50% 2.50% years 2-7 2.50% 2.50% to 80. 1.88% 81-85.1.25%86-90
Integrity Life A+ 7 years MultVantage 7 $20,000 07/31/13 3.25% 2.25% years 2-7 2.39% 3.00% to 79, 1.00% 80-85
North American A+ 7 years Guarantee Choice 7 08/01/13 2.30% 2.30% years 2-7 2.30% 2.50% to 80. 1.88% 81-85.1.25%86-90
American General A 7 years $5,000 08/12/13 2.25% 2.25% years 2-7 2.25% 3.50% 0-80, 2.50% 81-85
Western National A 7 years Western National 7 $100,000 08/19/13 2.15% 2.15% years 2-7 2.15% 3.00% to 85, 1.50% 86-90
Western National A 7 years Western National 7 08/19/13 2.15% 2.15% years 2-7 2.15% 3.00% to 85, 1.50% 86-90
Integrity Life A+ 7 years New Momentum 7 $5,000 NQ, $2,000 Q 07/31/13 2.65% 1.90% years 2-7 2.00% 5.00% to 79, 3.00% 80-85
ING USA A 7 years ING Guarantee Choice 7 $75,000 07/17/13 2.50% 1.50% years 2-7 1.64% 2.50% to 80, call office for trail options
Lincoln Financial A+ 7 years MYGuarantee Plus 7 $100,000 07/01/13 1.55% 1.55% years 2-7 1.55% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
ING USA A 7 years ING Guarantee Choice 7 $15,000 - $74,999 07/17/13 1.50% 1.50% years 2-7 1.50% 2.50% to 80, call office for trail options
Integrity Life A+ 7 years SPDA II Series (not available in SC) $3,000 NQ/Q 07/31/13 2.30% 1.30% years 2-7 1.44% 4.00% to 79, 2.00% 80-85
Lincoln Financial A+ 7 years MYGuarantee Plus 7 $10,000 - $99,999 07/01/13 1.40% 1.40% years 2-7 1.40% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
Guggenheim B++ 8 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 3.40% 3.40% years 2-8 3.40% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Guggenheim B++ 8 years Preserve Multi-Year Guaranteed Annuity 07/01/13 3.30% 3.30% years 2-8 3.30% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Equitrust Life B++ 8 years Certainty Select $10,000 07/17/13 3.15% 3.15% years 2-8 3.15% 3.00% 0-80, 2.25% 81-90
North American A+ 8 years Guarantee Choice 8 $200,000 08/01/13 2.75% 2.75% years 2-8 2.75% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
American National A 8 years Palladium MYG 8 $100,000 08/01/13 2.70% 2.70% years 2-8 2.70% 2.50% to 79, .50% 80-85
$2,000 Q, $10,000 NQto $199,999
HorizonSelect 7
$5,000 NQ, $2,000 Qto $99,999
$5,000 Q, $10,000 NQto $249,999
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 36 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
American National A 8 years Palladium MYG 8 $5,000 - $99,999 08/01/13 2.60% 2.60% years 2-8 2.60% 2.50% to 79, .50% 80-85
North American A+ 8 years Guarantee Choice 8 08/01/13 2.55% 2.55% years 2-8 2.55% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
NSS Life NA 8 years $10,000 01/02/13 3.50% 2.00% 2.19%
Lincoln Financial A+ 8 years MYGuarantee Plus 8 $100,000 07/01/13 1.60% 1.60% years 2-8 1.60% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
Lincoln Financial A+ 8 years MYGuarantee Plus 8 $10,000 - $99,999 07/01/13 1.45% 1.45% years 2-8 1.45% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
Guggenheim B++ 9 years Preserve Multi-Year Guaranteed Annuity $250,000 07/01/13 3.50% 3.50% years 2-9 3.50% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Guggenheim B++ 9 years Preserve Multi-Year Guaranteed Annuity 07/01/13 3.40% 3.40% years 2-9 3.40% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
North American A+ 9 years Guarantee Choice 9 $200,000 08/01/13 3.00% 3.00% years 2-9 3.00% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
North American A+ 9 years Guarantee Choice 9 08/01/13 2.75% 2.75% years 2-9 2.75% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
American National A 9 years Palladium MYG 9 $100,000 08/01/13 4.50% 2.50% years 2-9 2.72% 3.00% to 79, 1.00% 80-85
American General A 9 years Horizon Plus $5,000 08/12/13 6.05% 2.05% years 2-6 2.72% 2.75% to 75, 1.70% 76-80, 1.20% 81-85
American National A 9 years Palladium MYG 9 $5,000 - $99,999 08/01/13 4.10% 2.10% years 2-9 2.32% 3.00% to 79, 1.00% 80-85
North American A+ 9 years $10,000 NQ, $2,000 Q 08/01/13 4.50% 1.50% years 2-5 1.83% 5.50% to 80, 4.13% 81-85 (.50% yrs 2-5)
Principal A+ 9 years Select Series Annuity $100,000 08/15/13 1.70% 1.70% years 2-9 1.70% *Updated Commissions Coming Soon
Lincoln Financial A+ 9 years MYGuarantee Plus 9 $100,000 05/08/13 1.65% 1.65% years 2-9 1.65% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
Principal A+ 9 years Select Series Annuity $5,000 - $99,999 08/15/13 1.55% 1.55% years 2-9 1.55% *Updated Commissions Coming Soon
Lincoln Financial A+ 9 years MYGuarantee Plus 9 $10,000 - $99,999 07/01/13 1.50% 1.50% years 2-9 1.50% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
Guggenheim B++ 10 years Preserve Multi-Year Guaranteed Annuity $250,000 07/01/13 3.60% 3.60% years 2-10 3.60% 3.00% to 80, 2.25% 81-85, 1.50% 86-90
North American A+ 10 years Guarantee Choice 10 $200,000 08/01/13 3.50% 3.50% years 2-10 3.50% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
$2,000 Q, $10,000 NQto $199,999
Preferred 8$100,000 max premium per client
minimumyears 2-8
2.75% to 79, 1.00% ages 80+(.25% commission bonus 1/1/13-3/31/13
$5,000 Q, $10,000 NQto $249,999
$2,000 Q, $10,000 NQto $199,999
Director(5 yr rate guarantee / 9-year surrender period)
"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com
Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)
Last updated 04/17/2023 Page 37 For Agent Use OnlyNot all products available in all states. Not responsible for errors.
www.Adams-Moore.com for contracting, forms or brochures!
Company Name Product Name/Premium Banding First Year RateA.M.Best
GteePeriod
Minimum PremiumFor This Rate
RateEffective Date
Guaranteed RateYears 2+ unless indicated
otherwise
AverageYield
MGA Commission &Maximum Issue Ages
Guggenheim B++ 10 years Preserve Multi-Year Guaranteed Annuity 07/01/13 3.50% 3.50% years 2-10 3.50% 3.00% to 80, 2.25% 81-85, 1.50% 86-90
Sentinel Security B++ 10 years Personal Choice $2,500 05/22/13 3.45% 3.45% years 2-10 3.45% 2.75% to 80, 2% 81-90
North American A+ 10 years Guarantee Choice 10 07/10/13 3.30% 3.30% years 2-10 3.30% 2.50% to 80, 1.88% 81-85, 1.25% 86-90
Equitrust Life B++ 10 years Certainty Select $10,000 07/17/13 3.25% 3.25% years 2-10 3.25% 3.00% 0-80, 2.25% 81-90
American General A 10 years HorizonSelect 10 $5,000 08/12/13 2.85% 2.85% years 2-10 2.85% 3.50% 0-80, 2.50% 81-85
American National A 10 years Palladium MYG 10 $100,000 08/01/13 3.60% 2.60% years 2-10 2.70% 4.00% to 79, 2.00% 80-85
American National A 10 years Palladium MYG 10 $5,000 - $99,999 08/01/13 3.50% 2.50% years 2-10 2.60% 4.00% to 79, 2.00% 80-85
American General A 10 years Horizon MYG $5,000 08/12/13 5.10% 2.10% 2.60% 4.00% to 75, 2.20% 76-80, 1.70% 81-85
Integrity Life A+ 10 years MultiVantage 10 $20,000 06/20/13 3.25% 2.25% years 2-10 2.35% 3.50% to 79, 1.50% 80-83
Allianz Life A 10 years Dominator Plus 10 $100,000 02/07/12 2.00% 2.00% years 2-10 2.00% 4.00% to 75, 3.00% 76-80, 2.00% 81-85
Integrity Life A+ 10 years $5,000 NQ, $2,000 Q 06/20/13 2.60% 1.85% years 2-10 1.92% 5.00% to 79, 3.00% 80-85
Allianz Life A 10 years Dominator Plus 10 $25,000 - $99,999 02/07/12 1.90% 1.90% years 2-10 1.90% 4.00% to 75, 3.00% 76-80, 2.00% 81-85
Lincoln Financial A+ 10 years MYGuarantee Plus 10 $100,000 07/01/13 1.70% 1.70% years 2-10 1.70% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
ING USA A 10 years ING Guarantee Choice 10 $75,000 07/17/13 2.50% 1.50% years 2-10 1.60% 3.25% to 80, call office for trail options
Lincoln Financial A+ 10 years MYGuarantee Plus 10 $10,000 - $99,999 05/08/13 1.55% 1.55% years 2-10 1.55% 2.40% to 75, 1.50% 76-80, 0.90% 81-85
ING USA A 10 years ING Guarantee Choice 10 $15,000 - $74,999 07/17/13 1.50% 1.50% years 2-10 1.50% 3.25% to 80, call office for trail options
$5,000 Q, $10,000 NQto $249,999
$2,000 Q, $10,000 NQto $199,999
years 2-61% min yrs 7-10
New Momentum 10(7-year surr period / 10 year MVA)