| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|---|---|---|---|---|---|
|
Great American
Forms |
LandMark 3
3 years |
DIFFERENT rates in AK,CA,PA,UT (No MVA) Fixed Account 1.05% Fixed Account $150k+ 1.15% Ann P2P S&P Cap 2.25% Ann P2P S&P Cap $150k+ 2.50% iShares US Real Est Cap 2.25% iShares US Real Est Cap $150k+ 2.45% iShares MSCI EAFE ETF Cap 2.50% iShares MSCI EAFE ETF Cap $150k+ 2.75% |
N/A |
10% Starting in 1st Year |
2.50% 0-75 2.00% 76-85 1.50% 86-90 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
American Equity
Forms |
AssetShield 5
5 years Flexible Premium |
DIFFERENT RATES in CA Fixed Account 1.75% S&P Annual P2P with Par Rate 21% S&P Annual P2P with Cap 3.00% S&P Monthly Sum Cap 1.90% 1-yr S&P Div Arist DRC Par Rate 80% |
N/A |
10% after 1st year |
3.75% 18-75 2.81% 76-80 1.88% 81-85 Trail Options |
|
American General
Forms |
Power 5 Protector
5 years Flex 1st 30 days |
Fixed Account 1.40% S&P Annual P2P Cap 3.10% S&P Annual P2P Cap $100k+ 4.30% S&P Annual P2P Par Rate (no cap) 14% S&P Annual P2P Par Rate $100k+ 18% S&P 500 5-Yr Point-to-Point 17.5% S&P 500 5-Yr P2P $100k+ 25% Russell 2000 Annual P2P Cap 2.60% Russell 2000 Ann Cap $100k+ 3.50% MSCI EAFE Annual P2P Cap 2.70% MSCI EAFE Annual P2P Cap $100k+ 3.50% PIMCO Global Optima Par Rate 30% PIMCO Global Optima Par Rate $100k 42% ML Strategic Balance Par Rate 57% ML Strategic Bal Par Rate $100k 77% AQR DynamiQ Par Rate 72% - 1% sprd AQR DynamiQ Par Rate $100k+ 90% - 1% sprd 2-Yr AQR DynamiQ Par Rate 80% - 0% sprd 2-Yr AQR DynQ Par Rt $100k+ 100% - 0% sprd |
N/A |
10% after 1st year |
3.25% 0-80 1.00% with 0.15% trail ages 81-85 |
|
Great American
Forms |
Landmark 5
5 years Flex 1st 60 days |
DIFFERENT rates in AK,CA,PA,UT (No MVA) Fixed Account 1.50% Fixed Account $100k+ 1.60% Ann P2P S&P Risk Cntrl Par Rate 45% Ann P2P S&P Risk Cntrl Par Rt $100k+ 50% Ann P2P S&P Cap 4.05% Annual P2P S&P Cap $100k+ 4.30% S&P US Retiree Index Par Rt 50% S&P US Retiree Indx Par Rt $100k+ 55% iShares US Real Est Cap 4.05% iShares US Real Est Cap $100k+ 4.30% |
N/A |
10% Starting in 1st Year |
3.75% 0-75 2.75% 76-85 1.75% 86-89 |
|
Lincoln Financial
Forms |
OptiBlend 5
5 years Flexible Premium |
Rates differ in CA Fixed Account 1.00% Fixed Account $100k+ 1.00% S&P Ann P2P with Cap 2.00% S&P Ann P2P with Cap $100k+ 2.00% S&P Participation Rate (no cap) 8% S&P Par Rate (no cap) $100k+ 9% Ann P2P Vol Cntrl Spread (no cap) 3.25 Ann P2P Vol Cntrl Spread $100k+ 3.00 1-yr Fidelity AIM Participation Rate 25% 1-yr Fidelity AIM Par Rate $100k+ 35% |
N/A |
10% Starting in 1st Year |
3.00% 0-74 2.20% 75-79 1.20% 80-84 0.50% 85 |
|
Standard Insurance
Forms |
Index Select 5
5 years Single Premium |
Fixed Account 2.00% S&P Annual Point-to-Point Cap 3.70% S&P Annual P2P Cap $100k+ 3.95% S&P Ann P2P with Par Rate (no cap) 25% S&P Ann P2P with Par Rate $100k 27% |
N/A |
10% after 1st year |
3.00% 0-80 1.50% 81-85 1.35% 86-93 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
Lincoln Financial
Forms |
New Directions 6
6 years Single Premium |
Different Rates in CA Fixed Account 1.00% 6 years Fixed Account $100k+ 1.00% 6 years Performance-Triggered Rate 1.25% Performance-Triggered Rate $100k+ 1.30% S&P Ann P2P with Cap 2.00% S&P Ann P2P with Cap $100k+ 2.25% S&P Low Vol DRC Par Rate (no cap) 30% S&P Low Vol DRC Par Rate $100k+ 40% |
N/A |
10% Starting in 1st Year |
3.50% 0-75 2.75% 76-80 1.75% 81-85 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
American Equity
Forms |
AssetShield 7
7 years Flexible Premium |
DIFFERENT RATES in CA Fixed Account 1.90% S&P Annual P2P with Par Rate 23% S&P Annual P2P with Cap 3.25% S&P Monthly Sum Cap 2.00% 1-yr S&P Div Arist DRC Par Rate 85% |
N/A |
10% after 1st year |
4.50% 18-75 3.38% 76-80 2.25% 81-85 Trail Options |
|
American General
Forms |
Power 7 Protector
7 years Flex 1st 30 days |
Fixed Account 1.50% S&P Annual P2P Cap 3.25% S&P Annual P2P Cap $100k+ 4.40% S&P Annual P2P Par Rate (no cap) 16% S&P Annual P2P Par Rate $100k+ 19% Russell 2000 Annual P2P Cap 2.80% Russell 2000 Ann Cap $100k+ 3.75% MSCI EAFE Annual P2P Cap 2.90% MSCI EAFE Annual P2P Cap $100k+ 3.75% PIMCO Global Optima Par Rate 31% PIMCO Global Optima Par Rate $100k 44% ML Strategic Balance Par Rate 60% ML Strategic Bal Par Rate $100k 80% AQR DynamiQ Par Rate 55% - 0% sprd AQR DynamiQ Par Rate 80% - 0% sprd 2-Yr AQR DynamiQ Par Rate 105% - 2% sprd 2-Yr AQR DynQ Par Rt $100k+ 140% - 2% sprd |
N/A |
10% after 1st year |
4.50% 0-80 Trail options |
|
American General
Forms |
Power 7 Protector Plus Income
7 years Flex 1st 30 days |
Fixed Account 1.25% S&P Annual P2P Cap 2.20% S&P Annual P2P Cap $100k+ 2.75% S&P Annual P2P Par Rate (no cap) 14% S&P Annual P2P Par Rate $100k+ 16% Russell 2000 Annual P2P Cap 2.00% Russell 2000 Ann Cap $100k+ 2.50% MSCI EAFE Annual P2P Cap 2.10% MSCI EAFE Annual P2P Cap $100k+ 2.50% PIMCO Global Optima Par Rate 24% PIMCO Global Optima Par Rate $100k 33% ML Strategic Balance Par Rate 36% ML Strategic Bal Par Rate $100k 50% AQR DynamiQ Par Rate 35% - 0% sprd AQR DynamiQ Par Rate $100k+ 50% - 0% sprd 2-Yr AQR DynamiQ Par Rate 70% - 2% sprd 2-Yr AQR DynQ Par Rt $100k+ 100% - 2% sprd |
5.75% simple for 10 yrs. 200% step-up year 10. (1.00% fee) |
10% after 1st year |
4.50% 0-80 Trail options |
|
American National
Forms |
Strategy Index Plus 7
7 years Flexible Premium |
Fixed Account 2.15% S&P Performance Trigger Rate 3.85% 1-Yr Monthly Sum 2.25% 1-Yr S&P P2P 100% Par Rate Cap 5.00% 1-Yr S&P P2P 50% Par Rate Cap 5.40% S&P Par Rate (no cap) 17% |
1) 7.20% compound roll-up for 10 years (1% cost) or 2) 4.20% + index credit for 10 yrs (70 bp cost) |
10% Starting in 1st Year |
5.00% 0-75 4.00% 76-80 Trail option |
|
Company A
Forms |
Core Income 7
7 years Addt'l prem yr 1 only |
Fixed Account 2.70% S&P Ann P2P Cap 5.00% Nasdaq-100 Ann P2P Cap 5.00% Russell 2000 Ann P2P Cap 5.00% Blmbrg USDB Index II Cap 7.50% Blmbrg USDB Index II Sprd 0.75 Blmbrg USDB ER Par Rate 105% 2-Yr Blmbrg USDB II ER Par 140% |
Account value = income base. Level or increasing income options. (125 bp cost). |
10% of premiums paid after 1 year |
5.50% 0-75 4.00% 76-80 E-app comp special |
|
Great American
Forms |
Legend 7
7 years Flexible Premium |
DIFFERENT rates in AK,CA,PA,UT (No MVA) Fixed Account 1.85% Fixed Account $100k+ 2.00% Ann P2P S&P Risk Cntrl Par Rate 50% Ann P2P S&P Risk Cntrl Par Rt $100k+ 55% Ann P2P Gold Index Cap 5.00% Ann P2P Gold Index Cap $100k+ 5.25% Ann P2P S&P Cap 4.40% Annual P2P S&P Cap $100k+ 4.65% Monthly Sum S&P Cap 1.75% Monthly Sum S&P Cap $100k+ 2.00% S&P US Retiree Index Par Rt 60% S&P US Retiree Indx Par Rt $100k+ 65% iShares US Real Est Cap 4.50% iShares US Real Est Cap $100k+ 5.00% |
7% simple growth for 10 years (0.95) |
10% Starting in 1st Year |
4.75% 0-75 2.75% 76-85 Trail options |
|
Guggenheim Life
Forms |
Highlander 7
7 years Addt'l prem yr 1 only |
Fixed Account 2.75% S&P 500 Cap 5.00% S&P 500 Ann P2P Participation Rt 35% S&P MARC 5% ER Par Rate 105% |
N/A |
10% after 1st year |
5.00% 0-75 4.00% 76-80 trail options lower in CA-FL |
|
Lafayette Life
Forms |
Marquis SP 7
7 years Single Premium |
Fixed Account 1.25% S&P Ann P2P with Cap 3.50% S&P Monthly Avg with Cap 2.75% 1-Yr Gldman Sachs Mom Bldr Par Rate 40% 2-Yr Gldman Sachs Mom Bldr Par Rt 60% 3-Yr Gldman Sachs Mom Bldr Par Rt 100% 1-Yr JP Morgan P2P Par Rate 37% 2-Yr JP Morgan P2P Par Rate 50% 3-Yr JP Morgan P2P Par Rate 60% |
10-year roll-up varies by issue age: (45 to 60 - 7.00%) (61 to 74 - 8.00%) (75 to 85 - 9.00%) simple interest - 0.95% |
10% after 1st year |
4.50% 18-75 3.50% 76-85 |
|
Lincoln Financial
Forms |
OptiBlend 7
7 years Flexible Premium |
Rates differ in CA Fixed Account 1.00% Fixed Account $100k+ 1.00% S&P Ann P2P with Cap 2.00% S&P Ann P2P with Cap $100k+ 2.00% S&P Participation Rate (no cap) 8% S&P Par Rate (no cap) $100k+ 9% Ann P2P Vol Cntrl Spread (no cap) 4.25 Ann P2P Vol Cntrl Spread $100k+ 4.00 1-yr Fidelity AIM Participation Rate 15% 1-yr Fidelity AIM Par Rate $100k+ 25% |
Temporarily Suspended |
10% Starting in 1st Year |
4.50% 0-74 3.00% 75-79 1.75% 80-84 0.75% 85 |
|
Standard Insurance
Forms |
Index Select 7
7 years Single Premium |
Fixed Account 2.00% S&P Annual Point-to-Point Cap 4.75% S&P Annual P2P Cap $100k+ 5.00% S&P Ann P2P with Par Rate (no cap) 27% S&P Ann P2P with Par Rate $100k 29% |
N/A |
10% after 1st year |
4.00% 0-80 2.00% 81-85 1.45% 86-90 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
Lincoln Financial
Forms |
New Directions 8
8 years Single Premium |
Different Rates in CA Fixed Account 1.25% (8 years) Fixed Account $100k+ 1.40% (8 years) Performance-Triggered Rate 2.00% Performance-Triggered Rate $100k+ 2.25% S&P Ann P2P with Cap 2.50% S&P Ann P2P with Cap $100k+ 2.75% S&P Low Vol DRC Par Rate (no cap) 40% S&P Low Vol DRC Par Rate $100k+ 50% |
5% compound growth for 10 years or to age 85 (earlier of two) 0.95% cost |
10% Starting in 1st Year |
4.50% 0-75 3.50% 76-80 2.25% 81-85 |
|
North American
Forms |
Performance Choice 8
8 years Flexible Premium |
Fixed Account 1.40% S&P Annual Cap 3.00% S&P P2P Par Rate 20% S&P Monthly Sum Cap 1.10% 2-yr S&P Par Rate 20% S&P Low Vol DRC Sprd 5% 2.10 S&P MARC 5% Par Rate (no cap) 55% 2-yr S&P MARC 5% Par Rate 80% 1-yr Fidelity MF par rate 55% 2-yr Fidelity MF Par Rate 80% 1-yr Fid MF par rate 1.50% fee 100% 2-yr Fid MF par rate 1.50% fee 150% |
6.00% for 10 years (1.05% cost) 5.75% in PA |
10% after 1st year |
4.75% 0-75 3.56% 76-79 2.37% 80-85 lower in SC,TX,UT |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
Standard Insurance
Forms |
Index Select 10
9 years Single Premium |
Fixed Account 2.00% S&P Annual Point-to-Point Cap 4.75% S&P Annual P2P Cap $100k+ 5.00% S&P Ann P2P with Par Rate (no cap) 28% S&P Ann P2P with Par Rate $100k 30% |
N/A |
10% after 1st year |
5.00% 0-80 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
American Equity
Forms |
AssetShield 10
10 years Flexible Premium |
Fixed Account 2.00% S&P Annual P2P with Par Rate 25% S&P Annual P2P with Cap 3.50% S&P Monthly Sum Cap 2.10% 1-yr S&P Div Arist DRC Par Rate 90% 2-yr S&P Div Arist DRC Par Rate 125% |
N/A |
10% after 1st year |
6.00% 18-75 4.50% 76-80 Trail Options |
|
American Equity
Forms |
Destinations 10
10 years Flexible Premium |
DIFFERENT RATES in CA Fixed Account 1.90% BofA Destinations 1-yr Par Rate 82% BofA Destinations 2-yr Par Rate 116% S&P NeXt Mnthly P2P w/ Replacemt Rt* 1.10% *(highest 3-months substitute w/ replcmt rate) |
N/A |
10% after 1st year |
6.00% 18-75 4.50% 76-80 Trail options |
|
American General
Forms |
Power 10 Protector
10 years Flex 1st 30 days |
Fixed Account 1.55% S&P Annual P2P Cap 3.30% S&P Annual P2P Cap $100k+ 4.50% S&P Annual P2P Par Rate (no cap) 17% S&P Annual P2P Par Rate $100k+ 20% Russell 2000 Annual P2P Cap 2.90% Russell 2000 Ann Cap $100k+ 4.00% MSCI EAFE Annual P2P Cap 3.00% MSCI EAFE Annual P2P Cap $100k+ 4.00% PIMCO Global Optima Par Rate 33% PIMCO Global Optima Par Rate $100k 45% ML Strategic Balance Par Rate 62% ML Strategic Bal Par Rate $100k 85% AQR DynamiQ Par Rate 80% - 1% sprd AQR DynamiQ Par Rate $100k+ 100% - 1% sprd 2-Yr AQR DynamiQ Par Rate 85% - 0% sprd 2-Yr AQR DynQ Par Rt $100k+ 100% - 0% sprd |
N/A |
10% after 1st year |
7.00% 0-75 Trail options |
|
American General
Forms |
Power 10 Protector Plus Income
10 years Flex 1st 30 days |
Fixed Account 1.25% S&P Annual P2P Cap 2.25% S&P Annual P2P Cap $100k+ 3.00% S&P Annual P2P Par Rate (no cap) 15% S&P Annual P2P Par Rate $100k+ 17% Russell 2000 Annual P2P Cap 2.00% Russell 2000 Ann Cap $100k+ 2.75% MSCI EAFE Annual P2P Cap 2.10% MSCI EAFE Annual P2P Cap $100k+ 2.75% PIMCO Global Optima Par Rate 25% PIMCO Global Optima Par Rate $100k 35% ML Strategic Balance Par Rate 40% ML Strategic Bal Par Rate $100k 55% AQR DynamiQ Par Rate 70% - 1% sprd AQR DynamiQ Par Rate $100k+ 90% - 1% sprd 2-Yr AQR DynamiQ Par Rate 65% - 0% sprd 2-Yr AQR DynQ Par Rt $100k+ 85% - 0% sprd |
5.75% simple for 10 yrs. 200% step-up year 10. (1.00% fee) |
10% after 1st year |
7.00% 0-75 Trail options |
|
American National
Forms |
Strategy Index Plus 10
10 years Flexible Premium |
Premium Enhancement 1.00% Fixed Account 2.25% S&P Performance Trigger Rate 3.95% 1-Yr Monthly Sum 2.35% 1-Yr S&P P2P 100% Par Rate Cap 5.10% 1-Yr S&P P2P 50% Par Rate Cap 5.50% S&P Par Rate (no cap) 20% |
1) 7.20% compound roll-up for 10 years (1% cost) or 2) 4.20% + index credit for 10 yrs (70 bp cost) |
10% Starting in 1st Year |
7.00% 0-75 5.50% 76-80 Trail option |
|
Company A
Forms |
360
10 years |
25% Interest Bonus prior to income trigger Fixed Account 2.10% S&P Ann P2P Cap 3.75% Nasdaq-100 Ann P2P Cap 3.75% Russell 2000 Ann P2P Cap 3.75% Blmbrg USDB ER Par Rate 80% Blmbrg USDB Index II Cap 5.10% Blmbrg USDB Index II Sprd 1.60 PIMCO Tact Bal ER Par Rate 80% PIMCO Tact Bal P2P Cap 4.90% PIMCO Tact Bal Spread 1.60 S&P Monthly Sum Cap 2.00% Nasdaq-100 Monthly Sum Cap 2.20% Russell 2000 Monthly Sum Cap 2.30% BlackRock iBLD Claria Cap 4.75% BlackRock iBLD Claria spread 1.20 BlckRck iBLD Claria ER Par Rt 85% 2-Yr BlackRock ER Par Rate 115% 2-Yr Blmbrg USDB II ER Par 110% 2-Yr PIMCO Tact Bal ER Par 110% |
Income base grows at 125% of index performance. Level or increasing income option. (1.30% cost) |
10% of premiums paid after 1 year |
6.50% 0-75 4.50% 76-80 Trail Options |
|
Company A
Forms |
222
10 years |
Fixed Account 1.30% S&P Ann P2P Cap 2.50% Nasdaq-100 Ann P2P Cap 2.50% Russell 2000 Ann P2P Cap 2.50% Blmbrg USDB Index II Cap 2.50% Blmbrg USDB Index II Sprd 4.10 Blmbrg USDB ER Par Rate 50% PIMCO Tact Bal P2P Cap 2.40% PIMCO Tact Bal Spread 4.10 PIMCO Tact Bal ER Par Rate 50% S&P Monthly Sum Cap 1.40% Nasdaq-100 Monthly Sum Cap 1.70% Russell 2000 Monthly Sum Cap 1.70% BlckRck iBLD Claria ER Par Rt 55% BlackRock iBLD Claria spread 3.85 BlackRock iBLD Claria Cap 2.15% 2-Yr BlackRock ER Par Rate 75% 2-Yr Blmbrg USDB II ER Par 70% 2-Yr PIMCO Tact Bal ER Par 70% |
15% bonus on income base. Accumulates at 150% of index performance. 10-yr wait before income can start. Income grows at 150% of index performance. (No rider cost - built in) |
10% of premiums paid after 1 year |
6.50% 0-75 4.50% 76-80 Trail Options |
|
F&G Life
Forms |
Safe Income Plus
10 years Flexible Premium |
BONUS 7% if GLWB is elected BONUS 6% Lite states Fixed Account 1.00% Annual P2P Cap 2.00% Monthly Sum Cap 1.10% Performance Trigger Rate: 1.75% Monthly Avg Cap 2.00% |
6.00% compounded for 10 years. Reset feature for up to 20 years (1.15% cost) |
10% after 1st year |
6.50% 0-75 4.75% 76-80 different some states |
|
F&G Life
Forms |
Accelerator Plus 10
10 years Addt'l prem yr 1 only |
Premium Bonus 5% (3.25% age 76+) Prem Bonus Lite States 3% (2.25% age 76+) Rates in parenthesis below 1.25% annual fee Fixed Account 1.00% S&P Annual P2P Cap 3.50% (6.25%) S&P Ann P2P Par Rate (fee only) 40% S&P Monthly Sum Cap 1.60% (2.35%) Perform Triggered Rate 3.25% (5.25%) 2-yr P2P Barclays Trlblzr Par Rt 115% (145%) |
5% Bonus (3% Lite States) 5% rollup for 10 yrs, or account value x performance factor if higher (1.15% cost) |
10% after 1st year |
7.50% 0-75 5.50% 76-80 3.75% 81-85 |
|
F&G Life
Forms |
Accumulator Plus 10
10 years Flexible Premium |
Rates in parenthesis below 1.25% annual fee Fixed Account 1.00% S&P Annual P2P Cap 3.75% (6.25%) S&P Ann P2P Par Rate (fee only) 35% S&P Monthly Avg Cap 4.00% (7.00%) S&P Monthly Sum Cap 1.85% (2.75%) Perform Triggered Rate 3.50% (5.25%) 2-yr P2P Barclays Trlblzr Par Rt 120% (155%) |
N/A |
10% after 1st year |
6.50% 0-70 4.50% 71-80 3.25% 81-85 |
|
Great American
Forms |
Safe Return
10 years Single Premium |
Return of Premium Built-In Fixed Account 1.20% Ann P2P S&P Risk Cntrl Par Rate 30% Ann P2P S&P Cap 3.00% iShares US Real Est Cap 3.00% |
9% simple growth for 10 years (0.95) |
10% Starting in 1st Year |
5.50% 0-75 4.10% 76-85 Trail options |
|
Great American
Forms |
Custom 10
10 years Single Premium |
TEMPORARILY SUSPENDED |
Simple Income Option - 7% simple for 10 yrs (1st 5 yrs bonus factor - 1.05% cost) - Stacked Income Option - 4% simple for 10 + interest dollars each year (1.35%) |
5% beginning first year |
6.00% 0-75 3.75% 76-85 Trail options |
|
Guggenheim Life
Forms |
TriVysta
10 years Addt'l prem yr 1 only |
Fixed Account 2.75% S&P 500 Cap 5.00% S&P DRC 5% USD Excess Return Par Rate 110% S&P Economic Cycle Factor Rotator Index 105% 1-yr Morg Stnly Dvrsfd Sel Idx Par Rt 105% 2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 125% |
5% Bonus on Income Base. 4% compound roll-up + stacked index gains for 10 years - even after income starts (90 bp cost) |
10% after 1st year |
7.00% 0-75 5.00% 76-80 3.50% age 81 (1% less in CA) Trail Options |
|
Guggenheim Life
Forms |
Highlander
10 years Addt'l prem yr 1 only |
BONUS 4.00% Fixed Account 2.30% S&P 500 Cap 4.25% S&P 500 Ann P2P Participation Rt 30% S&P MARC 5% ER Par Rate 95% |
5% Bonus on Income Base. 4% compound roll-up + stacked index gains for 10 years - even after income starts (90 bp cost) |
10% after 1st year |
7.00% 0-75 5.00% 76-80 (1% less CA/FL) Trail options |
|
Guggenheim Life
Forms |
ViStar
10 years Addt'l prem yr 1 only |
Fixed Account 2.75% S&P 500 Cap 5.00% S&P 500 Ann P2P Participation Rt 35% S&P Economic Cycle Factor Rotator Index 100% S&P 500 Sctor Rotator Dly RC2 5% ER Par 100% S&P MARC 5% ER Par Rate 110% |
5% Bonus on Income Base. 4% compound roll-up + stacked index gains for 10 years - even after income starts (90 bp cost) |
10% after 1st year |
7.00% 0-75 5.00% 76-80 3.50% age 81 (1% less in CA/FL) Trail Options |
|
Lafayette Life
Forms |
Marquis SP 10
10 years Single Premium |
Fixed Account 1.25% S&P Ann P2P with Cap 3.50% S&P Monthly Avg with Cap 2.75% 1-Yr Gldman Sachs Mom Bldr Par Rate 40% 2-Yr Gldman Sachs Mom Bldr Par Rt 60% 3-Yr Gldman Sachs Mom Bldr Par Rt 100% 1-Yr JP Morgan P2P Par Rate 37% 2-Yr JP Morgan P2P Par Rate 50% 3-Yr JP Morgan P2P Par Rate 60% |
10-year roll-up varies by issue age: (45 to 60 - 7.00%) (61 to 74 - 8.00%) (75 to 85 - 9.00%) simple interest - 0.95% |
10% after 1st year |
6.50% 18-75 5.00% 76-85 |
|
Lincoln Financial
Forms |
OptiBlend 10
10 years Flexible Premium |
Rates differ in CA Fixed Account 1.15% Fixed Account $100k+ 1.40% S&P Ann P2P with Cap 2.50% S&P Ann P2P with Cap $100k+ 4.00% S&P Participation Rate (no cap) 10% S&P Par Rate (no cap) $100k+ 15% Ann P2P Vol Cntrl Spread (no cap) 1.00 Ann P2P Vol Cntrl Spread $100k+ 0.80 1-yr Fidelity AIM Participation Rate 60% 1-yr Fidelity AIM Par Rate $100k+ 80% |
Temporarily Suspended |
10% Starting in 1st Year |
7.00% 0-74 4.00% 75-79 1.75% 80 |
|
North American
Forms |
Benefit Solutions 10
10 years Single Premium |
Fixed Account 1.50% S&P Annual Cap 4.00% S&P Monthly Sum Cap 1.40% S&P Mo Avg Par Rate (no cap) 35% S&P Low Vol DRC Sprd 5% 4.35 DIJA Mo Avg Par Rate $250k+ 35% Nasdaq 100 Monthly Sum Cap 1.20% |
Benefit Base Floor: 120% years 1-5 140% years 6-10 160% years 11+ (1.20% cost) |
5% after 1st year. |
6.50% 40-75 4.87% 76-79 |
|
North American
Forms |
VersaChoice 10
10 years |
Fixed Account 1.15% Fixed Account $75k 1.50% S&P Annual Cap 2.75% S&P Annual Cap $75k 3.25% S&P P2P Par Rate 15% S&P P2P Par Rate $75k 20% 2-yr S&P Par Rate 20% 2-yr S&P Par Rate $75k 25% S&P Low Vol DRC Sprd 5% 3.50 S&P Low Vol DRC Sprd 5% $75k 2.50 S&P MARC 5% Par Rate (no cap) 45% S&P MARC 5% Par Rate $75k 60% 1-yr Fidelity MF par rate 45% 1-yr Fidelity MF par rate $75k 60% 2-yr Fidelity MF Par Rate 60% 2-yr Fidelity MF Par Rate $75k 80% 1-yr Fid MF par rate 1.50% fee 100% 1-yr Fid MF par rate 1.50% fee $75k 115% 2-yr Fid MF par rate 1.50% fee 140% 2-yr Fid MF par rate 1.50% fee $75k 165% |
No Income Rider Optional Enhanced Liquidity Rider (0.60% fee) (1) 20% cum w/d (2) ROP after 3yrs (3) 2/6 ADL waiver (4) ADL enhance payout |
10% Starting in 1st Year |
6.50% 0-75 4.87% 76-79 |