RATES AS OF
FIXED INDEX ANNUITIES
January 13, 2017
Fixed Index Annuities
Product / Participation Rate
Free Withdrawal1/Minimum Premium
Issue Ages
January 13, 2017
Interest Crediting Strategies
State Availability
Surrender Charges/Riders
A.M. Best (A+) Superior (2nd highest of 16, affirmed August, 2015.)4 S&P (AA) Very Strong (3rd highest of 21, affirmed December, 2015.)4
Allianz Life Insurance Company of North America MasterDex X ® (FPDA for 3 years) Index ®
NASDAQ-100 Index
4% Premium Bonus 1 st 3 Yrs.*
C52575
Monthly Sum
Annual Pt to Pt
Monthly Avg Spd
Free Withdrawal:
1.20%
1.50%
N/A
1.20%
1.50%
N/A
**S&P 500 Select Index
1.70%
3.50%
N/A
Minimum Premium: $20,000 NQ/Q
EURO STOXX 50® Index
1.30%
1.50%
N/A
N/A
1.50%
5.25%
®
Fixed Account Rate
0.90%
Surrender Charges: (10 Yr) 10 - 10 - 10 - 8.75 - 7.5 - 6.25 - 5 3.75 - 2.50 - 1.25 - 0 % no MVA
Maximum Premium: 1 million w/o home office appr. Blended Index3
Opt. A Issue Ages: 0-80 Q/NQ Ages 0-75
In the contract year following the last premium received, 10% of paid premium is available each year in one or more free withdrawals, up to a lifetime maximum of 100% of the cash surrender value
S&P 500® Index
Commission2
(May vary by state)
Riders: Simple Income III or Simple Income II*** NCR, FWR***,DBR***, UBR
STATES NOT APPROVED:
CT, NY
(Fixed rate not avail. in AL, DE, IA, KY)
6.175% 1st Yr 3.088% Yrs 2-3
Ages 76-80
4.275% 1st Yr 2.138% Yrs 2-3
DB = AV
* The bonus is subject to a 10-yr vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11th contract year, when 100% will be vested. If you surrender your contract before the 11th contract year, you will lose the unvested bonus. During the first 10 contract years, we will apply a surrender charge and unvested bonus reduction if you partially or fully surrender your contract. The same would apply if you begin annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year (or for fewer than 10 years). These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (your premium). Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature. **Select Index Allocation charge is 1.00%. 100% Par-Rate guaranteed for life of contract. Minimum guarantee is 87.5% of total premium paid, less any withdrawals, accumulated at a rate no less than 1.75% for the first 10 contract years, then 1% thereafter, in most states. Caps /spreads guaranteed for one year. Min. monthly cap is 0.50%. Min. annual cap is 0.25%. Max. annual spread is 12%. Min. for fixed interest is 0.10%.
Allianz Endurance ® Plus
(FPDA for 3 years)
Free Withdrawal:
C50915
In the contract year following the last premium received, up to 10% of paid premium is available each year in one or more free withdrawals, up to a lifetime maximum of 100% of the cash surrender value. The first 5% reduces EWB Value dollar for dollar, while the second 5% reduces EWB Value in the same proportion that the Accumulation Value is reduced.
Monthly Sum
Annual Pt to Pt
Monthly Avg Spd
NASDAQ-100 Index
1.60%
2.50%
N/A
S&P 500® Index
1.60%
2.50%
N/A
*S&P 500 Select Index
2.10%
4.50%
N/A
Minimum Premium: $10,000 NQ/Q
FTSE 100 Index
1.70%
3.00%
N/A
Maximum Premium: 1 million w/o home office appr.
Blended Index3
N/A
2.75%
3.25%
Index ®
®
Fixed Account Rate
Opt. A Issue Ages: 0-80 Q/NQ Ages 0-75
Surrender Charges: (10 Yr) 10 - 10 - 10 - 8.75 - 7.5 - 6.25 - 5 3.75 - 2.50 - 1.25 - 0 % no MVA (May vary by state)
NY, WA
3.088% Yrs 2-3
Riders:
Ages 76-80
EWB**, NCR, UBR, DBR & FWR***
4.275% 1st Yr
STATES NOT APPROVED:
1.35%
6.175% 1st Yr
DB = AV***
2.138% Yrs 2-3
A45327
Min. guarantee (most states) is 87.5% of premium, less withdrawals, credited at an interest rate of 1.35% for the first 10 years, then no less than 1.00% thereafter. *Select Index Allocation charge is 1.00% ** A 20% prem. bonus is credited to the EWB (Enhanced Withdrawal Benefit) for prem. received in the first 3 yrs. The EWB value is available after 10 yrs when selecting one of two income options lasting at least 10 yrs. No bonus is applied to the accumulation or cash surrender value & EWB receives 105% enhancement on all fixed and/or indexed interest earned. Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature. ***Flexible withdrawal benefit rider and DBR are available for an additional cost. DBR is only available at issue with NQ annuties where the contract owner and annuitant are the same individual. Caps/spreads guaranteed for one yr. Most states: Min. monthly cap is 0.50%. Min. annual cap is 0.25%. Max. annual spread is 12%. Min. for fixed interest is 0.10%. Guarantees are backed by the financial strength and claimspaying ability of Allianz Life Insurance company of North America ***Death benefit, surrender charges, rider availability and commission schedule may vary by state. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance company of North America. ***Simple Income II or III, Flexible Withdrawal Benefit (FWR) & Death Benefit Rider (DBR) are available at issue only for additional cost. DBR is only available at issue with NQ annuties where the contract owner and annuitant are the same individual. Death benefit, surrender charges, rider availability and commission schedule may vary by state. Contracts issued by Allianz Life Insurance company of North America
1
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Free Withdrawal1/Minimum Premium State Availability
Product / Participation Rate Interest Crediting Strategies
American Equity Investment Life Insurance Company, Des Moines IA Bonus Gold
10% Premium Bonus - All 1st Year Premiums
INDEX-1-07* (FPDA)
Cap
®
N/A
S&P 500 Monthly Average w/Par-Rate ®
Par Rate
25%
Asset Fee
N/A
Free Withdrawal: 10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.
2.25%
N/A
0%
®
2.25%
N/A
0%
®
2.25%
N/A
0%
N/A
15%
N/A
S&P 500 Monthly Average w/Cap Dow Jones Monthly Average w/Cap Dow Jones Annual Pt-to-Pt w/Cap S&P 500® Annual Pt-to-Pt w/Par-Rate ®
2.25%
N/A
0%
®
S&P 500 Monthly Pt-to-Pt w/Cap
1.40%
N/A
0%
10-Year US Treasury Bond
2.25%
N/A
0%
S&P 500 Annual Pt-to-Pt w/Cap
Bond Yield with Cap 5
Volatility Control Index Fixed Value Rate
1.15%
5.15%
N/A
2.00%
N/A
N/A
3.25%
S&P 500® Performance Trigger
2.00%
Minimum Premium: $10,000 Q/NQ
Issue Ages Surrender Charges/Riders
2
50325 A.M. Best (A-) Excellent S&P (A-) Strong Issue Ages: 18-80 Q/NQ 18-64 in FL
Ages 18-75
6.00% Year 1 1.00% Year 2
Surrender Charges: (16 Yr) 20-19.5-19-18.5-18-17.5-17-16 15-14-12-10-8-6-4-2-0% no MVA Different in DE & OK
Maximum Premium: $1,500,000, ages 18-69 $1,000,000, ages 70-74 $750,000 ages 75-80
1.00% Year 3
Ages 76-80
4.50% Year 1 .75% Year 2
(Rates may vary)
Riders: Lifetime Income Benefit NCR-100**, TIR-100**
STATES NOT APPROVED: AK, CA, CT, MN, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA
DB = AV
Issued as INDEX-1-05 in DE, INDEX-7-05 in OK
Commission
.75% Year 3
Commissions listed above in years 2 & 3 are for prem. received in 1st year.
*Form number may vary by state. MGSV equals 80% of 1st year premium plus premium bonus plus 87.5% of any additional premium, less withdrawal proceeds, at MGIR, compounded annually. MGIR (currently 1.50%) is set at issue, guaranteed for life of contract and applies to MGSV only. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Par-Rate will never be less than 10%. Fixed Value minimum guaranteed interest rate is 1%. ** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75, form number, availability and provisions may vary by state. See state specific disclosure for details.
Choice Series
ICC14 IDX8* (FPDA) ®
S&P 500 Annual Pt-to-Pt w/PR ®
S&P 500 Annual Pt-to-Pt w/Cap
Choice 6 ICC14 IDX8-6
N/A
40%
N/A
4.50%
N/A
N/A
10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.
N/A
N/A
N/A
1.50%
Minimum Premium:
45%
N/A
($1,000 minimum per allocation)
N/A 1.80%
®
S&P 500 Annual Pt-to-Pt w/Cap
N/A
$10,000 Q/NQ Maximum Premium:
4.60%
N/A N/A
Volatility Control Index5
N/A
N/A
N/A $1,500,000, ages 18-69
® S&P 500 Monthly Pt-to-Pt w/Cap 1.90%
Fixed Value Rate
N/A $1,000,000, ages 70-74 1.25% $750,000 ages 75-80
3.00%
Choice 8 (8 Yr) 9.2 - 8.25 - 7.25 - 6.5 - 5.5 4.5 - 3.5 - 2.5 - 0% no MVA
Choice 8
Choice 10 (10 Yr) 9.2 - 8.25 - 7.25 - 6.5 - 5.5 - 4.5 3.5 - 2.5 - 1.5 - 0.5 - 0% no MVA
45%
N/A
4.75%
N/A
N/A
STATES NOT APPROVED:
® S&P 500 Monthly Pt-to-Pt w/Cap 2.00%
N/A
N/A
NY
(not available for issue ages 81-85)
Volatility Control Index5
N/A
1.00%
NOTE: Choice Series products are excluded from all incentives, including Gold Eagle program
DB = AV
2.00%
5.00% 3.75% Ages 76-80
2.50% Ages 81-85
N/A
Fixed Value Rate
2.00% Ages 81-85
Ages 18-75
®
N/A
4.00% Ages 18-75 Ages 76-80
®
S&P 500 Annual Pt-to-Pt w/Cap
Choice 6
Surrender Charges: Choice 6 (6 Yr) 9.20 - 8 - 7 - 5.50 - 4 - 2.50 - 0% no MVA
1.90%
S&P 500 Annual Pt-to-Pt w/PR
ICC14 IDX8-10
Free Withdrawal:
S&P 500 Monthly Pt-to-Pt w/Cap 1.80%
S&P 500 Annual Pt-to-Pt w/PR
Choice 10
Asset Fee
Volatility Control Index5
®
Choice 8
Par Rate
®
Fixed Value Rate
ICC14 IDX8-8
Cap
Issue Ages: Choice 6 & Choice 8 18-85 Q/NQ Choice 10 18-80 Q/NQ
Riders: NCR-100**, TIR-100** Lifetime Income Benefit
Choice 10 6.00% Ages 18-75
4.50% Ages 76-80
*Form number may vary by state. MGSV equals 90% of premiums paid, less withdrawal proceeds, at MGIR, compounded annually. MGIR (currently 1.00%) is set at issue, guaranteed for life of contract and applies to MGSV only. Asset fee rate is subject to change, declared each contract anniversary and guaranteed to never be more than 10%. Caps are set at issue, adjusted annually and never less than 1% for the monthly pt to pt and the annual pt to pt. The Par-Rate will never be less than 10% on the annual pt to pt. Fixed Value minimum guaranteed interest rate is 1%. ** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75, form number, availability and provisions may vary by state. See state specific disclosure for details.
For Agent Use Only- Not for use with the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
2
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Free Withdrawal1/Minimum Premium State Availability
Product / Participation Rate Interest Crediting Strategies
American Equity Investment Life Insurance Company, Des Moines IA Foundation Gold
ICC11 IDX3
(FPDA)
®
S&P 500 Monthly Average w/Par-Rate S&P 500® Monthly Average w/Cap ®
Cap
Par Rate
Asset Fee
N/A
25%
N/A
2.00%
N/A
N/A
N/A
15%
N/A
2.00%
N/A
N/A
S&P 500® Monthly Pt-to-Pt w/Cap
1.20%
N/A
N/A
10-Year US Treasury Bond
2.00%
N/A
N/A
Bond Yield with Cap
4.65%
N/A
2.00%
N/A
N/A
3.50%
S&P 500 Annual Pt-to-Pt w/Par-Rate S&P 500® Annual Pt-to-Pt w/Cap
Volatility Control Index5 Fixed Value Rate
S&P 500® Performance Trigger
1.00%
7% Premium Bonus -
Issue Ages Surrender Charges/Riders
Commission2
50325 A.M. Best (A-) Excellent S&P (A-) Strong
All 1st Year Premiums
Ages 18-75
Issue Ages: 18-80 Q/NQ
5.50% Year 1
Free Withdrawal: 5% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.
Surrender Charges: (10 Yr) 9 - 8.25 - 7.25 - 6.25 - 5.25 - 4.25 - 3.25 - 2.25 - 1 - 0.5 - 0 % no MVA
Different in CA
Minimum Premium: $10,000 Q/NQ
Different in CA
Bonus Vesting Schedule: (10 Yr) 0, 10, 20, 30, 40, 50, 60, 70, 80, 90, 100% Different in CA
Maximum Premium: $1,500,000, ages 18-69 $1,000,000, ages 70-74 - $750,000 ages 75-78 STATES NOT APPROVED: CT, NY
1.75%
Riders: Lifetime Income Benefit NCR-100**, TIR-100** DB = AV
1.00% Year 2 1.00% Year 3 Ages 76-80
4.15% Year 1 .75% Year 2 .75% Year 3 Different in CA Commissions listed above in years 2 & 3 are for prem. received in 1st year.
MGSV equals 87.5% of all premiums, less withdrawal proceeds, accumulated at the MGIR (currently 1.50%), compounded annually. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Fixed Value Rate, and the Par-Rate will never be less than 10%. ** The NCR-100 and TIR-100 are available on most of our current deferred annuities and added automatically for issue ages under 75 and availability may vary by state. See state specific disclosure for details.
Advantage Gold
INDEX-6-07
(FPDA)
®
S&P 500 Monthly Average w/Par-Rate S&P 500® Monthly Average w/Cap S&P 500® Annual Pt-to-Pt w/Par-Rate ®
Cap
Par Rate
Asset Fee
N/A
25%
N/A
2.00%
N/A
N/A
N/A
15%
N/A
S&P 500 Annual Pt-to-Pt w/Cap
2.00%
N/A
N/A
S&P 500® Monthly Pt-to-Pt w/Cap
1.20%
N/A
0%
10-Year US Treasury Bond
2.00%
N/A
N/A
Bond Yield with Cap
4.65%
N/A
2.00%
N/A
N/A
3.50%
5
Volatility Control Index Fixed Value Rate
1.05%
S&P 500® Performance Trigger
1.75%
5% Premium Bonus -
All 1st Year Premiums
Free Withdrawal: 10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value. Minimum Premium: $10,000 Q/NQ Maximum Premium: $1,500,000, ages 18-69 $1,000,000, ages 70-74 $750,000 ages 75-80 STATES NOT APPROVED: AK, CA, CT, DE, FL, MN, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA
Ages 18-75
Issue Ages: 18-80 Q/NQ
6.00% Year 1
Surrender Charges: (10 Yr) 16 - 15 - 14 - 13 - 11.5 - 10 - 8.5 7 - 5.5 - 4 - 0 % no MVA
Ages 76-80
Riders: Lifetime Income Benefit NCR-100**, TIR-100** DB = AV
1.00% Year 2 1.00% Year 3
4.50% Year 1 .75% Year 2 .75% Year 3
Commissions listed above in years 2 & 3 are for prem. received in 1st year.
MGSV equals 84% of 1st year premiums and premium bonus, plus 87.5% of any additional premiums, less withdrawal proceeds, accumulated at the MGIR (currently 1.50%), compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and Fixed Value Rate, and the Par-Rate will never be less than 10%. ** The NCR-100 and TIR-100 are available on most of our current deferred annuities and added automatically for issue ages under 75.
Retirement Gold
INDEX-2-09*
S&P 500® Monthly Average w/Par-Rate S&P 500® Monthly Average w/Cap
(FPDA)
Asset Fee
N/A
25%
N/A
2.00%
N/A
N/A
Different in FL
15%
N/A
Free Withdrawal: 10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.
N/A
®
S&P 500 Annual Pt-to-Pt w/Cap
2.00%
N/A
N/A
S&P 500® Monthly Pt-to-Pt w/Cap
1.20%
N/A
0%
Bond Yield with Cap
4.65%
N/A
2.00%
N/A
N/A
5
Volatility Control Index Fixed Value Rate
1.00%
All 1st Year Premiums
Par Rate
®
S&P 500 Annual Pt-to-Pt w/Par-Rate
8% Premium Bonus** -
Cap
S&P 500® Performance Trigger
3.50% 1.75%
Bonus Vesting Schedule: (14 Yr) 0, 0, 0, 8.33, 16.67, 25, 33.33, 41.67, 50, 58.33, 66.67, 75, 83.33, 91.67, 100%
Minimum Premium: $10,000 Q/NQ Maximum Premium: $1,500,000, ages 18-69 $1,000,000, ages 70-74 - $750,000 ages 75-78 STATES NOT APPROVED: AK, CA, CT, DE, MN, NJ, NV, NY, OH, OK, OR, PA, SC, TX, UT, WA
Issue Ages: 18-78 Q/NQ
Surrender Charges: (10 Yr) 12.5 - 12 - 12 - 11 - 10 9 - 8 - 7 - 6 - 4 - 0% no MVA Different in FL
Riders: Lifetime Income Benefit NCR-100***, TIR-100*** DB = AV
Ages 18-78
6.00% Year 1 1.00% Year 2 1.00% Year 3 Commissions listed above in years 2 & 3 are for prem. received in 1st year.
Different in
FL, IN *Form number may vary by state. **Bonus in IN is 8% for issue ages 0-73 & 5% for issue ages 74-78. MGSV equals 87.5% of premiums paid, less any withdrawal proceeds, accumulated at the MGIR, compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Par-Rate will never be less than 10% *** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75 and availability may vary by state. See state specific disclosure for details.
For Agent Use Only- Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
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See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Product / Participation Rate Interest Crediting Strategies
Athene Annuity and Life Company Athene Ascent ℠ 10 Bonus 2.0
Free Withdrawal1/Minimum Premium State Availability
- West Des Moines, IA
A.M. Best (A-) Excellent (3rd highest of 15)
Commission2
S&P (A-) Strong (3rd highest of 15)
1% Premium Bonus
(SPDA)
Issue Ages: 0-80 Q/NQ (0-64 in FL) (0-74 in IN)
Free Withdrawal: Year 1: 5% of accumulated value Years 2+: 10% of accumulated value
2 Year No Cap Pt-to-Pt BNP Paribas Index (par rate)*
75.00%
2 Year No Cap Pt-to-Pt Morningstar Index (par rate)*
55.00%
1 Year No Cap Pt-to-Pt Index (par rate)*
50.00%
1 Year Pt-to-Pt S&P 500 Index (cap)
2.75%
1 Year Monthly Cap Index (cap)
1.30%
Bailout Cap Rate
1.00%
**Ascent Pro 10 Bonus approved in FL for ages 65-80 **Ascent Pro 10 Bonus Select approved for ages 0-80: in AK,
1.05%
DE, HI, MN, NV, OH, OK, PA, SC, TX, UT, WA- ages 53-78: in OR
Fixed Rate Strategy (1-year guarantee)
Issue Ages Surrender Charges/Riders
Minimum Premium: $5,000 Q/NQ Maximum Premium: 1 million w/o home office appr.
Surrender Charges: (10 Yr) 12-12-12-11-10-9-8-7-6-4-0 % +/-MVA
Ascent 10 Bonus 2.0, Ascent Pro 10 Bonus 7.00% Ages 0-70 6.50% Ages 71-75 6.00% Ages 76-80
Different in FL, IN (no MVA in MN, MO)
STATES NOT APPROVED: CT, NY
Riders:*** Athene Income ℠, NCR, TIR
**STATE VARIATIONS:
Ascent Pro 10 Bonus Select 6.00% Ages 0-70 5.50% Ages 71-75 5.00% Ages 76-80
DB = AV
Premium Bonus Vesting Schedule: 20% per year after the 6th year. *1-year No Cap Point-to-Point Index Strategy (Participation Rate) – S&P 500 Daily Risk Control 5%™ Index TR (Total Return). 2-year No Cap Point-to-Point Index Strategy (Participation Rate) – Multi Asset Diversified 5 Index. 2-year No Cap Point-to-Point Index Strategy (Participation Rate) – Dividend Yield Focus Target Volatility 5 Index℠ MGSV is 87.5% of premium accumulated at a rate of 1%. **Ascent Pro 10 Bonus and Ascent Pro 10 Bonus Select are issued with different premium bonus vesting schedules and surrender charges. ***Rider availability and/or features may vary by state.
Protective Life Insurance Company Protective Index Annuity II 5 - YEAR:
- Birmingham, AL
Free Withdrawal: $100,000+
Fixed Rate Strategy
2.05%
2.20%
Annual Pt-to-Pt Cap*
4.45%
4.75%
2.45% 2.00% 4.45%
2.75% 2.00% 4.75%
under $100,000
$100,000+
Annual Tiered Rate*
7 - YEAR:
Issue Ages:
First contract year: 10% of initial deposit. Subsequent years: 10% of contract value as of the last contract anniversary. The contract value after each withdrawal must be at least $10,000. Minimum Premium: $10,000 NQ/Q
2.20%
2.35%
4.95%
5.25%
STATES NOT APPROVED:
2.80% 2.00% 4.80%
3.10% 2.00% 5.10%
NY
under $100,000
$100,000+
Fixed Rate Strategy
2.50%
2.65%
Annual Pt-to-Pt Cap*
5.30%
5.60%
3.20% 2.00% 5.20%
3.50% 2.00% 5.50%
Annual Tiered Rate*
Base Rate Rate Enhancement Total
Surrender Charges: (5 Yr) 9-9-8-7-6-0 % +/- MVA
1.28% Ages 81-85
(7 Yr) 9-9-8-7-6-5-4-0 % +/- MVA
Fixed Rate Strategy
10 - YEAR:
2.55% Ages 0-80
7 Year
Maximum Premium: 1 million
Annual Pt-to-Pt Cap* Annual Tiered Rate*
5 Year 0-85 Q/NQ
$1,000 minimum additional
w/o home office approval
Base Rate Rate Enhancement Total
S&P (AA-) Very Strong
(FPDA) under $100,000
Base Rate Rate Enhancement Total
A.M. Best (A+) Superior
(10 Yr) 9-9-8-7-6-5-4-3-2-1-0 % +/- MVA
3.75%
Different in CA, IA
Ages 0-80
1.88% Riders:
Ages 81-85
SecurePay SE 10 Year NCR, TIR, UW
Optional Principal Protection (ROP) May be added as an additional feature and provides an option, prior to annuitization, to surrender the contract and receive 100% of deposits, less any prior withdrawals or investment taxes, as applicable. Contracts including the principal protection feature may earn a lower interest rate than those without it.
Not available in all states. State variations may apply
DB = AV
4.50% Ages 0-80
2.25% Ages 81-85
Call for Rates & Details!
MGSV is 100% of premium accumulated at a rate of 1%. *Amounts allocated to this strategy earn interest in arrears based, in part, on the performance of the S&P 500® Index. The Protective Indexed Annuity II is a limited flexible premium deferred indexed annuity contract with a limited market value adjustment, issued under policy form series FIA-P-2010. SecurePay SE is provided under form series FIA-P-6022. The Protective Indexed Annuity II is issued by Protective Life Insurance Company located in Birmingham, AL. Policy form numbers, product availability and features may vary by state. All non-guaranteed components of the indexing formula may change and could be different in the future. Indexed interest could be less than that earned in a traditional fixed annuity, and could be zero. For product details, benefits, limitations and exclusions, please consult the contract, product guide and disclosure statement. The Protective Indexed Annuity is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment, and does not contain dividends.
For Agent Use Only- Not for dissemination to the Public . Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
4
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities
Product / Participation Rate
Free Withdrawal 1/Minimum Premium
Issue Ages
January 13, 2017
Interest Crediting Strategies
State Availability
Surrender Charges/Riders
EquiTrust Life Insurance Company®
A.M. Best (B++) Good
MarketTwelve Bonus Index ®
TM
S&P (BBB+) Good
12% Bonus paid over 3 Yrs*
(SPDA)
1-Yr Pt-to-Pt Cap
2.50%
1-Yr Daily Average Cap
2.75%
Interest only first contract year. 10% of account value after first year.
S&P 500® 1-Yr Monthly Average Par-Rate
40.00%
Minimum Premium: $30,000 Q/NQ
S&P 500® 1-Yr. Monthly Cap
1.10%
Maximum Premium: 1 million w/o home office appr.
S&P 500
®
S&P 500
®
S&P 500
6.00%
2-Yr Monthly Average Cap
Fixed Account
1.30%
Commission2
Issue Ages: 0-75 Q/NQ
8.50%
Free Withdrawal: Surrender Charges: (14 Yr) 20-20-19-19-18-17-16-14-12 10-8-6-4-2-0 % +/-MVA no MVA in VT
All ages
Riders:**
NCR, Income for Life STATES NOT APPROVED: AK, CA, CT, DE, MN, NV, NY, OH, OK, OR, TX, UT, WA
DB = AV
*12% Total Bonus - 6% of premiums year 1; 2% of Accumulation Value added on first three contract anniversaries. Minimum guarantee is 87.5% of premium minus withdrawals, accumulated at the Minium Guaranteed Contract Rate (2% for 2014 contracts). Minimum cap on Pt-Pt is 1% and minimum on daily average is 1%. Minimum par rate on the monthly average is 10% and the minimum on the monthly cap is 0.50%. Minimum Cap on the 2-Year option is 3%. Minimum interest rate on fixed account is 1% **NCR not available in MA.
MarketPower Bonus Index ® (SPDA) ®
S&P 500
®
S&P 500
1-Yr Pt-to-Pt Cap
3.00%
1-Yr Daily Average Cap
3.50%
Interest only first contract year. 10% of account value after first year.
50.00%
Minimum Premium: $20,000 Q/NQ
1.20%
Maximum Premium: 1 million w/o home office appr.
S&P 500® 1-Yr Monthly Average Par-Rate ®
S&P 500 1-Yr. Monthly Cap ®
S&P 500
10% Premium Bonus
8.00%
2-Yr Monthly Average Cap
Fixed Account
1.50%
Issue Ages: 0-75 Q/NQ
8.50%
Free Withdrawal: Surrender Charges: (14 Yr) 20-20-19-19-18-17-16-14-12 10-8-6-4-2-0 % +/-MVA Different in AK, IL & OH no MVA in VT
Riders:**
NCR, Income for Life STATES NOT APPROVED: CA, CT, DE, MN, NV, NY, OK, OR, TX, UT, WA
All ages
DB = AV
AK, IL & OH only:
7.00%
Minimum guarantee is 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (2% for 2014 contracts). Minimum cap on Pt-Pt is 1% and minimum on daily average is 1%. Minimum par rate on the monthly average is 10% and the minimum on the monthly cap is 0.50%. Minimum Cap on the 2-Year option is 3%. Minimum interest rate on the fixed account is 1%. Availability of the 1-Yr Monthly options varies by state. **NCR not available in MA.
6% Premium Bonus 1 st 5 Yrs.
MarketTen Bonus Index ® (FPDA) ®
S&P 500
Issue Ages: 0-80 Q/NQ
6.00%
Interest only first contract year. 10% of account value after first year.
Surrender Charges: (10 Yr) 10-10-10-10-10-9-8-7-6-4-0 % +/-MVA
All ages
Different in CA, OH no MVA in MO, VT
2.50%
1-Yr Pt-to-Pt Cap
S&P 500® 1-Yr Daily Average Cap
2.75%
Free Withdrawal:
S&P 500® 1-Yr Monthly Average Par-Rate
30.00%
Minimum Premium: $30,000 Q/NQ
S&P 500® 1-Yr. Monthly Cap
1.00%
Maximum Premium: 1 million w/o home office appr.
S&P 500® 2-Yr Monthly Average Cap
6.00%
Fixed Account
1.00%
Riders:**
ROP, NCR, Income for Life STATES NOT APPROVED: AK, CT, DE, MN, NV, NY, OK, OR, TX, UT, WA
DB = AV
3.00% Additional Premium Yrs 2-5
Minimum guarantee is 100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (1% for 2014 contracts), less surrender charges. Minimum cap on Pt-Pt is 1% and minimum on daily average is 1%. Minimum par rate on the monthly average is 10% and the minimum on the monthly cap is 0.50%. Minimum Cap on the 2-Year option is 3%. Minimum interest rate on the fixed account is 1%. **NCR not available in MA. For Agent Use Only- Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
5
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Product / Participation Rate Interest Crediting Strategies
Free Withdrawal1/Minimum Premium State Availability
Fidelity & Guaranty Life Insurance Company - Des Moines, IA FG Accumulator Plus SM Series
FPDA
10 Year*
Index ®
1 Yr S&P 500 Monthly Pt-to-Pt Cap
14 Year
1.85%
®
S&P 500 Monthly Avg Annual Cap
2.10%
5.00%
®
S&P 500 1 Yr Annual Pt-to-Pt Cap
6.50%
4.25% 3.50%
4.00%
Fixed Account
1.00%
1.00%
A.M. Best (B++) Good
Issue Ages:
10 Year Ages 0-75
Minimum Premium: $10,000 Q/NQ ($2,000 min Per Option)
Surrender Charges: (10 Yr) 12-11-10-9-8-7-6-5-4-3-0 % +/- MVA
Ages 76-80
Maximum Premium: 1 million w/o home office appr.
(14 Yr) 14.75-13.75-12.75-11.75-10.75 10-9-8-7-6-5-4-3-2-0 % +/- MVA
Different in AK, CA, DE, FL, MA, MN, NV, NJ OH, OK, OR, PA, SC, TX, UT, WA Different in IN
STATES NOT APPROVED: AL, CT, MS, NY
*10 Yr issued with different rates in: AK, CA, DE, FL, MA, MN, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA 14 Yr not approved in: AK, CA, DE, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA
Up to 3% Premium Bonus
FPDA
®
1 Yr S&P 500 Monthly Pt-to-Pt S&P 500® Monthly Average
Monthly Cap
Annual Cap
1.10%
2% Bonus in Lite States
2.25%
Free Withdrawal: 10% of prior anniversary account value (after first year)
®
2.25%
®
S&P 500 2 Yr Annual Pt-to-Pt Cap
5.00%
S&P 500® 3 Yr Annual Pt-to-Pt Cap
8.25%
Index Gain Option with Declared Rate
2.00%
S&P 500 1 Yr Annual Pt-to-Pt Cap
Fixed Account
2
S&P (BBB-) Good
Riders:
FGIncome for Life ℠ NCR, TIR
DB = AV
Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt and monthly average. Min. declared rate 1% for index gain option. On 87.5% of premium min. interest is between 1.00% and 3.00% depending on issue state.
FG Index-Choice 10
Commission
10 Year - 0-85 NQ 18-85 Q 14 Year - 0-80 NQ 18-80 Q (in FL max age for 14 Yr is 64)
Free Withdrawal: 10% of prior anniversary account value (after first year)
5.00%
Index Gain Option with Declared Rate
Issue Ages Surrender Charges/Riders
Issue Ages: 0-85 NQ 18-85 Q
7.00% 5.00% 3.50% Ages 81-85
14 Year
8.00% Ages 0-75
6.00% Ages 76-80
9.00% Ages 0-75
Minimum Premium: $10,000 Q/NQ ($2,000 min Per Option) Maximum Premium: 1 million w/o home office appr. STATES NOT APPROVED: AL, CT, MS, NY
1.00%
Surrender Charges: (10Yr) 14-13-12-11-10-8-6-4-2-1-0% +/- MVA Different in AK, CA, DE, FL (Ages 65+ only), MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA:
7.00% Ages 76-80
4.50%
(10Yr) 9-9-8-7-6-5-4-3-2-1-0% +/- MVA
Ages 81-85
Riders: FGIncome for Life ℠ NCR, TIR
Trails now Available!!!
DB = AV
3% Bonus on premium received in the first year. Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt and monthly average index options. 2% min. cap per period for 2 & 3 yr annual pt-to-pt. Min. declared rate 1% for index gain opt. On 87.5% of premium min. interest is between 1.00% and 3.00% depending on issue state.
Prosperity Elite
SM
Series
Index
1st Yr Premium Vesting Bonus
FGL FPDA
included with
7 Year
10 Year
14 Year
1 Yr S&P 500® Monthly Pt-to-Pt Cap
1.50%
1.50%
1.50%
S&P 500® Monthly Avg Annual Cap
3.25%
3.25%
3.50%
S&P 500 1Yr Annual Pt-to-Pt Cap
3.00%
3.00%
3.25%
Gold 1 Yr Annual Pt-to-Pt Cap
3.25%
3.25%
3.75%
Minimum Premium: $10,000 Q/NQ ($2,000 min Per Option) Maximum Premium: 1 million w/o home office appr. STATES NOT APPROVED: AL, CT, MS, NY
®
Index Gain Option with Declared Rate
2.50%
2.50%
2.75%
Fixed Account
1.00%
1.00%
1.00%
Enhancement Package Vesting Bonus**
2.00%
3.00%
5.00%
Protection Package Vesting Bonus**
4.00%
6.00%
8.00%
Issue Ages: 0-85 NQ 18-85 Q
Enhancement or Protection Package
(in FL max age for 14 Yr is 64)
Free Withdrawal: 10% of prior anniversary account value (after first year)
Surrender Charges: (7 Yr) 10-9-8-7-6-5-4-0 % +/- MVA (10 Yr) 12-11-10-9-8-7-6-5-4-3-0 % +/- MVA (14 Yr) 14.75-13.75-12.75-11.75-10.75 10-9-8-7-6-5-4-3-2-0 % +/- MVA
r not approved in AK, CA, DE, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT
Bonus Vesting Schedule: (7 Yr) 14-29-43-57-71-86-100% (10 Yr) 10-20-30-40-50-60-70-80-90-100% (14 Yr) 7-14-21-29-36-43-50-57-64-71-79-86-93-100%
may differ in AK, CA, DE, FL, MA MN, MS, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA
Riders: NCR, TIR, HHC Enhancement Package Protection Package DB = AV
7 Year
5.00% Ages 0-75 3.00% Ages 76-80 2.50% Ages 81-85
10 Year
7.50% Ages 0-75 5.50% Ages 76-80 3.75% Ages 81-85
14 Year
8.50% Ages 0-75 6.50% Ages 81-85 4.25% Ages 81-85
**Above Bonus is for issue ages 0-75, bonus is reduced by 50% for ages 76-85. Bonus is reduced in Lite States (AK, CA, DE, FL age 65+, MA, MN, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA). Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt and monthly average index options. Min. declared rate 1% for index gain option. On 87.5% of premium min. interest is between 1.00% and 3.00% depending on issue state. Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Form Number(s) API-1013(02-11), ACI-1013(02-11), API-1018(06-11), ACI-1018(06-11), ARI-1046(11-12), ARI-1040 (11-12), ARI-1068 (03-14); et al. Subject to state availability. Certain restrictions may apply. Indexed interest rates are subject to a cap. Surrender charges may apply to withdrawals. Withdrawals may be taxable and if made prior to ages 59 ½ may result in tax penalties. Optional provisions and riders may have limitations, restrictions and additional charges. A.M. Best rating as of December 17, 2014, S&P rating as of July 31, 2015. For most current rating information, please contact Fidelity & Guaranty Life at 1-800-445-6758 or visit their website at home.fglife.com . • No bank guarantee. • Not FDIC/NCUA/NCUSIF insured. • May lose value if surrendered early. See Page 15 for S&P & Nasdaq Disclaimers
For Agent Use Only - Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
6
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Product / Participation Rate Interest Crediting Strategies
Free Withdrawal1/Minimum Premium State Availability
Fidelity & Guaranty Life Insurance Company - Des Moines, IA Performance Pro ®
Issue Ages Surrender Charges/Riders
A.M. Best (B++) Good
1st Yr Premium Vesting Bonus
FPDA
Index ®
1 Yr S&P 500 Monthly Pt-to-Pt Cap ®
S&P 500 1 Yr Annual Pt-to-Pt Cap ®
S&P 500 2 Year Pt-to-Pt Cap
1.85%
included when the optional EGMWB is elected 9% for issue ages 0-75 and 4.5% for issue ages 76+ Subject to State Approval
4.00%
Free Withdrawal: 10% of prior anniversary account value (after first year)
8.50%
Minimum Premium: $10,000 Q/NQ ($2,000 minimum Per Option)
®
S&P 500 3 Year Pt-to-Pt Cap
15.25%
Gold 1 Yr Annual Pt-to-Pt Cap
4.50%
5 Yr DJ US Real Estate Risk Control 10% Index (spread)
15.50%
Fixed Account
1.00%
Commission2
S&P (BBB-) Good
Issue Ages: 0-80 NQ 18-80 Q
8.00% Surrender Charges: (10Yr) 14-13-12-11-10-8-6-4-2-1-0% +/- MVA Different in AK, AZ, CA, FL, HI, IL, MA, NV, NH NJ, OH, OK, SC, UT, WA
Maximum Premium: 1 million w/o home office appr.
Ages 0-75
6.00% Ages 76-80
Riders: STATES NOT APPROVED: AL, CT, IN, MS, NY, VT
(availability varies by state) EGMWB NCR, TIR, HHC
Bonus Vesting Schedule: (10 Yr) 10-20-30-40-50-60-70-80-90-100%
DB = AV
Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt index options. 2% min. cap per period for 2 & 3 yr pt-to-pt index options. 5% max. spread per yr on DJ US RE Risk Control index. Fixed Account initial rate guaranteed for first yr. Min. guaranteed rate is set at issue between 1% and 3%. MGSV is 87.5% of premium at MGSV rate between 1.00% and 3.00%, set at issue and fixed for the life of the contract. Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Form Number(s) API-1018 (06-11), ACI-1018 (06-11), et al. Subject to state availability. Certain restrictions may apply. Indexed interest rates are subject to a cap. Surrender charges may apply to withdrawals. Withdrawals may be taxable and if made prior to ages 59 ½ may result in tax penalties. Optional provisions and riders may have limitations, restrictions and additional charges. A.M. Best rating as of December 17, 2014, S&P rating as of July 31, 2015. For most current rating information, please contact Fidelity & Guaranty Life at 1-800-445-6758 or visit their website at home.fglife.com . • No bank guarantee. • Not FDIC/NCUA/NCUSIF insured. • May lose value if surrendered early. See Page 15 for S&P & Nasdaq Disclaimers
Global Atlantic Financial Group - Forethought Life Insurance Company Income 125+
$10,000$24,999
$25,000$99,999
$100,000 or more
Two Year Pt-to-Pt w/Spread
5.50%
5.50%
4.00%
Three Year Pt-to-Pt w/Spread
8.00%
8.00%
6.00%
Annual Pt-to-Pt w/Cap
2.75%
2.75%
3.25%
Monthly Pt-to-Pt w/Cap
1.30%
1.30%
Fixed Account Strategy
1.35%
1.35%
SM
(SPDA)
A.M. Best (A-) Excellent
S&P (A-) Strong
Issue Ages: Free Withdrawal:
0-85 Q/NQ
10% beginning of the year Contract Value after the first Contract Year
7.00% Ages 0-75
Surrender Charges: (10 Yr) 12-12-11-10-9-8-7-6-4-2-0%
5.00%
Minimum Premium: $10,000 Q/NQ Maximum Premium: w/o home office appr.
+/-MVA
Ages 76-85
1.55%
$1,000,000 Ages 0-80 $500,000 Ages 81-85
1.60%
STATES NOT APPROVED: NY
Riders: NCR, TIR Guaranteed Lifetime Income Benefit Increased Death Benefit Guarantee DB = AV
(Rates 1.00% less in AK, CT, DE, FL, MN, NV, OH, OK, OR, SC, TX, UT, WA)
Income 125+ fixed index annuity, issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with Contract FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable). Products and features are subject to state availability. Read the Contract for complete details. MGSV equals 87.5% of premiums paid, less withdrawals and rider charges, compounded at a rate between 1% and 3%.
Income 150+
SM
(SPDA)
$10,000$24,999
$25,000$99,999
$100,000 or more
Issue Ages: Free Withdrawal:
55-80 Q/NQ
Two Year Pt-to-Pt w/Spread
5.50%
5.50%
4.00%
Three Year Pt-to-Pt w/Spread
8.00%
8.00%
6.00%
Annual Pt-to-Pt w/Cap
2.75%
2.75%
3.25%
Minimum Premium: $10,000 Q/NQ Maximum Premium: w/o home office appr.
Monthly Pt-to-Pt w/Cap
1.30%
1.30%
1.55%
$1,000,000 Ages 0-80 $500,000 Ages 81-85
1.60%
STATES NOT APPROVED: NY
Fixed Account Strategy
1.35%
1.35%
7.00% Ages 55-75
10% beginning of the year Contract Value after the first Contract Year
Surrender Charges: (10 Yr) 10-10-9-9-8-7-6-5-4-2-0% no MVA
5.00%
+/-MVA
Ages 76-80
Riders: NCR, TIR Guaranteed Lifetime Income Benefit DB = AV
(Rates 1.00% less in AK, DE, MD, MN, NV, OH, OK, OR, SC, TX, UT, WA)
Income 150+, fixed index annuities are issued by Forethought Life Insurance Company. Available in most states with Contract FA1201SPDAX-01, FA1201SPDAX-02, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Products and features are subject to state availability. Read the Contract for complete details. MGSV equals 87.5% of premiums paid, less withdrawals and rider charges, compounded at a rate between 1% and 3%. Barclays Armour Index II is a trademark of Barclays Bank PLC or its affiliates and has been licensed for use in connection with the issuance and distribution of Income 150+ fixed index annuity. The Income 150+ is not sponsored by, endorsed, sold, or promoted by Barclays, and Barclays makes no representation regarding the advisability of investing in the Income 150+
For Agent Use Only- Not for use with the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
7
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Free Withdrawal1/Minimum Premium State Availability
Product / Participation Rate Interest Crediting Strategies
Great American Life Insurance Company® American Legend ® III
(FPDA)
A.M. Best (A) Excellent
Issue Ages Surrender Charges/Riders
Commission
S&P (A+) Strong Issue Ages:
P1457113NW
Free Withdrawal: 10% of Purchase payments in first year. 10% of account value beginning in year two
®
S&P 500 Risk Control 1 Yr Pt-to-Pt Par Rate* 60%
2
0-85 NQ 18-85 Q 18-75 Inherited IRA
4.75% Ages up to 75
S&P 500® 1 Year Monthly Sum Cap 2.00% S&P 500® 1 Year Pt-to-Pt Cap 5.25%
Minimum Premium: $10,000 Q/NQ
3.25% Ages 76-80
$2,000 Q/NQ for Additional
S&P 500® 18 Month Pt-to-Pt Cap 7.00%*
Maximum Premium: w/o home office appr. $1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+
SPDR® Gold Shares 1 Year Pt-to-Pt Cap 5.50% Fixed Rate Strategy
Surrender Charges: (7 Yr) 9-8-7-6-5-4-3-0% no MVA
STATES NOT APPROVED: NY
2.00%
Riders:** IncomeSecure ℠, IncomeSustainer ® Plus Inheritance Enhancer ℠, NCR, TIR DB = AV
2.25% Ages 81-85
*Index availability subject to state approval. MGIR is 1% of 100% less any withdrawals and early withdrawal charges. **IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!
American Valor ® 10
(FPDA)
2% Premium Bonus 1 st 3 Yrs.*
P1431410NW
Free Withdrawal: 10% of Purchase payments in first year. 10% of account value beginning in year two
*** Must elect one of three Income Riders at a cost ***
S&P 500® Risk Control 1 Yr Pt-to-Pt Par Rate** 60%
Issue Ages:
Ages up to 75 Ages 76-80
®
$5,000 NQ or $2,000 Q for Additional
Surrender Charges: (10 Yr) 10-9-8-7-6-5-4-3-2-1-0% no MVA
Maximum Premium: w/o home office appr.
charges decrease monthly
®
$1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+
Riders:*** IncomeSecure ℠, IncomeSustainer ® Plus Inheritance Enhancer ℠, NCR, TIR DB = AV
Minimum Premium: $10,000 Q/NQ
S&P 500 1 Year Monthly Average Cap 5.00% S&P 500 1 Year Pt-to-Pt Cap 5.00% Fixed Rate Strategy
STATES NOT APPROVED: NY
1.00%
5.00%
50-85 Q/NQ 40-85 Q/NQ with IncomeSecure
3.65% 1.65% Ages 81-85
*Bonus available first 3 yrs. Referred to as Purchase Payment bonus in contract. **Index availability subject to state approval. MGIR is 1% of 100% less any withdrawals and early withdrawal charges. 100% participation rate on Monthly Average and Annual Pt-to-Pt Spread option is guaranteed for life of contract. Maximum spread is 8%. Minimum Daily Average Participation Rate is 50%. ***IncomeSecure, IncomeSustainer Plus or Inheritance Enhancer must be purchased with contract, NCR & TIR not available in MA. Trails Now Available. Call Today!
Safe Return
SM
(SPDA)
Return of Premium Guarantee
P1074509NW
Issue Ages: 0-85 NQ 18-85 Q
5.50%
10% of Purchase payments in first year. 10% of account value beginning in year two
18-75 Inherited IRA
Ages up to 75
Minimum Premium: $25,000 Q/NQ
Surrender Charges: (10 Yr) 10-9-8-7-6-5-4-3-2-1-0% no MVA
4.50%
charges decrease monthly
Ages 76-80
Free Withdrawal:
®
S&P 500 Risk Control 1 Yr Pt-to-Pt Par Rate* 55% S&P 500® Risk Control Bailout Rate 25%
$5,000 NQ or $2,000 Q for Additional Premium allowed 60 days from issue ONLY
S&P 500® 1 Year Pt-to-Pt Cap 4.75%
Maximum Premium: w/o home office appr. $1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+
S&P 500® 1 Year Pt-to-Pt Bailout Cap 3.00% Fixed Rate Strategy
STATES NOT APPROVED: NY
1.00%
Riders:** IncomeSecure ℠, IncomeSustainer ® Plus Inheritance Enhancer ℠, NCR, TIR DB = AV
1.50% Ages 81-85
*Index availability subject to state approval. Return of premium value is sum of all purchase payments, less the sum of all net withdrawals. Included at no extra charge. MGIR is 1% of 100% less any withdrawals and early withdrawal charges. **IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!
Safe Outlook ®
(SPDA)
P1077409NW under $100,000
S&P 500® Risk Control 1 Yr Pt-to-Pt Par Rate* ® S&P 500 Risk Control Bailout Rate
S&P 500® 1 Year Pt-to-Pt Cap ®
S&P 500 1 Year Pt-to-Pt Bailout Cap Fixed Rate Strategy
$100,000+
45%
50%
25%
25%
Issue Ages: 0-85 NQ 18-85 Q
Free Withdrawal: 10% of Purchase payments in first year. 10% of account value beginning in year two
Surrender Charges:
Minimum Premium: $10,000 Q/NQ
(6 Yr) 9-8-7-6-5-4-0% no MVA
4.75%
3.00%
3.00%
$1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+
1.90%
STATES NOT APPROVED: NY
1.80%
Ages up to 75
$5,000 NQ or $2,000 Q for Additional Premium allowed 60 days from issue ONLY
4.50%
*Index availability subject to state approval. MGIR is 1% of 90% less any withdrawals and early withdrawal charges.
3.50%
18-75 Inherited IRA
Maximum Premium: w/o home office appr.
2.60% Ages 76-80
Riders:** IncomeSecure ℠, IncomeSustainer ® Plus Inheritance Enhancer ℠, NCR, TIR
1.70% Ages 81-85
DB = AV
**IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!
For Agent Use Only- Not for dissemination to the Public . Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.
8
See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures
Fixed Index Annuities January 13, 2017
Product / Participation Rate Interest Crediting Strategies
Lincoln Financial Group® OptiChoice SM 5
(FPDA)
Formerly Jefferson Pilot Financial $100K
Performance Triggered Specified Rate
3.20%
3.40%
1 Year Monthly Cap Indexed
1.65%
1.75%
Cap
1 Year Monthly Average Indexed
3.65%
3.40%
Spread
Fixed Account
1.90%
2.00%
OptiChoice SM 7
A.M. Best (A+) Superior
Free Withdrawal: Beginning in the first policy year,
> $100K
Performance Triggered Specified Rate
3.40%
3.55%
1 Year Monthly Cap Indexed
1.75%
1.80%
Cap
1 Year Monthly Average Indexed
3.40%
3.10%
Spread
Fixed Account
2.00%
2.10%
9 Yr 0-80 Q/NQ
3.50% Ages 0-74
Surrender Charges:*
Reduced ages 75-85
(5 Yr) 9-8-7-6-5% +/- MVA 7 Yr
Minimum Premium: $5,000 NQ - $2,000 Q $50 additional
(7 Yr) 9-8-7-6-5-4-3% +/- MVA (9 Yr) 9-8-7-6-5-4-3-2-1% +/- MVA
Maximum Premium: 2 million
$100K
3.65%
3.80%
1 Year Monthly Cap Indexed
1.85%
1.90%
Cap
1 Year Monthly Average Indexed
3.00%
2.80%
Spread
Fixed Account
2.15%
2.25%
Ages 0-74
Riders: NCR, TIR
Performance Triggered Specified Rate
4.10% Reduced ages 75-85
w/o home office approval
(FPDA)
5 Yr
up to 10% of accumulation value may be withdrawn without a surrender charge
Commission2
S&P (AA-) Very Strong
5 & 7 Yr 0-85 Q/NQ
or an MVA each policy yr. (FPDA)
Issue Ages Surrender Charges/Riders
Issue Ages:
