| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|---|---|---|---|---|---|
|
Great American
Forms |
LandMark 3
3 years |
DIFFERENT rates in AK,PA,UT (No MVA) Fixed Account 1.70% Fixed Account $150k+ 1.85% Ann P2P S&P Cap 3.25% Ann P2P S&P Cap $150k+ 3.60% iShares US Real Est Cap 4.25% iShares US Real Est Cap $150k+ 4.50% iShares MSCI EAFE ETF Cap 4.00% iShares MSCI EAFE ETF Cap $150k+ 4.25% |
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 |
DIFFERENT RATES in CA Fixed Account 1.50% S&P Annual P2P with Par Rate 22% S&P Annual P2P with Cap 2.75% S&P Monthly Sum Cap 0.50% 1-yr S&P Div Arist DRC Par Rate 70% |
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 |
Fixed Account 1.75% S&P Annual P2P Cap 3.80% S&P Annual P2P Cap $100k+ 4.60% S&P Annual P2P Par Rate (no cap) 25% S&P Annual P2P Par Rate $100k+ 30% S&P 500 5-Yr Point-to-Point 24% S&P 500 5-Yr P2P $100k+ 30% Russell 2000 Annual P2P Cap 3.20% Russell 2000 Ann Cap $100k+ 3.75% MSCI EAFE Annual P2P Cap 3.40% MSCI EAFE Annual P2P Cap $100k+ 4.00% PIMCO Global Optima Par Rate 30% PIMCO Global Optima Par Rate $100k 40% ML Strategic Balance Par Rate 50% ML Strategic Bal Par Rate $100k 60% |
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, WA (no MVA) Fixed Account 2.00% Fixed Account $100k+ 2.10% Ann P2P S&P Risk Cntrl Par Rate 45% Ann P2P S&P Risk Cntrl Par Rt $100k+ 50% Ann P2P S&P Cap 3.80% Annual P2P S&P Cap $100k+ 4.05% S&P US Retiree Index Par Rt 50% S&P US Retiree Indx Par Rt $100k+ 55% iShares US Real Est Cap 4.55% iShares US Real Est Cap $100k+ 4.80% |
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 |
Fixed Account 1.70% Fixed Account $100k+ 2.15% S&P Ann P2P with Cap 4.05% S&P Ann P2P with Cap $100k+ 5.00% S&P Participation Rate (no cap) 32% S&P Par Rate (no cap) $100k+ 40% Ann P2P Vol Cntrl Spread (no cap) 2.30 Ann P2P Vol Cntrl Spread $100k+ 2.00 1-yr Fidelity AIM Participation Rate 90% 1-yr Fidelity AIM Par Rate $100k+ 100% |
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 4.50% S&P Annual P2P Cap $100k+ 4.75% S&P Ann P2P with Par Rate (no cap) 35% S&P Ann P2P with Par Rate $100k 37% |
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* |
|
American Equity
Forms |
Choice 6
6 years Flexible Premium |
Fixed Account 1.40% (1.60% MVA) S&P Annual P2P with Par Rate 21% (23% MVA) S&P Annual P2P with Cap 2.50% (2.75% MVA) S&P Monthly Sum Cap 1.10% (1.25% MVA) S&P Div Arist daily rsk cntrl sprd 4.25 (3.75 MVA) |
(1) 6% comp for 7 (+7) years - 0.90% fee or (2) 6% roll-up w/ enhancement (1% fee) or (3) 220% multiplier x index credit (0.90%) |
10% after 1st year |
4.00% 18-75 3.00% 76-80 2.00% 81-85 |
|
Lincoln Financial
Forms |
New Directions 6
6 years Single Premium |
Fixed Account 1.75% Fixed Account $100k+ 2.00% 6yrs Performance-Triggered Rate 3.00% Performance-Triggered Rate $100k+ 3.50% 2-Yr P2P Cap 8.00% 2-Yr P2P Cap $100k+ 9.75% |
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 |
DIFFERENT RATES in CA Fixed Account 1.65% S&P Annual P2P with Par Rate 24% S&P Annual P2P with Cap 3.00% S&P Monthly Sum Cap 1.25% 1-yr S&P Div Arist DRC Par Rate 75% |
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 |
Fixed Account 1.80% Fixed Account $100k+ 1.80% S&P Annual P2P Cap 3.90% S&P Annual P2P Cap $100k+ 4.75% S&P Annual P2P Par Rate (no cap) 26% S&P Annual P2P Par Rate $100k+ 34% Russell 2000 Annual P2P Cap 3.30% Russell 2000 Ann Cap $100k+ 3.80% MSCI EAFE Annual P2P Cap 3.40% MSCI EAFE Annual P2P Cap $100k+ 4.10% PIMCO Global Optima Par Rate 33% PIMCO Global Optima Par Rate $100k 42% ML Strategic Balance Par Rate 53% ML Strategic Bal Par Rate $100k 62% |
N/A |
10% after 1st year |
4.50% 0-80 Trail options |
|
American General
Forms |
Power 7 Protector Plus Income
7 years |
Fixed Account 1.50% Fixed Account $100k+ 1.50% S&P Annual P2P Cap 2.50% S&P Annual P2P Cap $100k+ 3.00% S&P Annual P2P Par Rate (no cap) 20% S&P Annual P2P Par Rate $100k+ 25% Russell 2000 Annual P2P Cap 2.30% Russell 2000 Ann Cap $100k+ 2.50% MSCI EAFE Annual P2P Cap 2.40% MSCI EAFE Annual P2P Cap $100k+ 2.60% PIMCO Global Optima Par Rate 25% PIMCO Global Optima Par Rate $100k 32% ML Strategic Balance Par Rate 40% ML Strategic Bal Par Rate $100k 50% |
7.50% simple for 10 yrs. 200% step-up year 10. (95 bp cost) |
10% after 1st year |
4.50% 0-80 Trail options |
|
American National
Forms |
Strategy Index Plus 7
7 years |
Premium Enhancement 1.00% Fixed Account 1.10% S&P Performance Trigger Rate 2.00% 1-Yr Monthly Sum 1.00% 1-Yr S&P P2P 100% Par Rate Cap 2.25% 1-Yr S&P P2P 50% Par Rate Cap 2.35% |
1) 7.20% compound roll-up for 10 years (90 bp cost) or 2) 4.20% + index credit for 10 yrs (60 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 2.50% S&P Ann P2P Cap 4.50% Nasdaq-100 Ann P2P Cap 4.50% Russell 2000 Ann P2P Cap 4.50% Blmbrg USDB Index II Sprd 2.00 Blmbrg USDB Index II Cap 6.25% |
Account value = income base. Level or increasing income options. (105 bp cost). |
10% of premiums paid after 1 year |
5.50% 0-75 4.00% 76-80 E-app comp special |
|
F&G Life
Forms |
Prosperity Elite 7
7 years Flexible Premium |
BONUS 3% (1.50% 76+) Enhandemt Pkg BONUS 5% (3.50% 76+) Protection Pkg BONUS Different in Lite states Death Benefit & Impairment Options Fixed Account 1.50% S&P Annual P2P Cap 5.00% S&P Monthly Avg Cap 5.75% S&P Monthly Sum Cap 1.85% Gold Comm 1-Yr P2P Cap 5.50% Perform Triggered Rate 4.25% 2-yr P2P Barclays Trailblazer Par Rt 125% |
6.00% compounded for 10 yrs. Restart feature for up to 20 yrs. 4% DB rollup(1.30% cost) |
10% after 1st year |
4.50% 0-75 2.50% 76-80 2.00% 81-85 Different in some states |
|
Great American
Forms |
Legend 7
7 years Flexible Premium |
DIFFERENT Rates in AK,CA,PA, UT, WA (no MVA) Fixed Account 2.05% Fixed Account $100k+ 2.15% 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 3.90% Annual P2P S&P Cap $100k+ 4.15% Monthly Sum S&P Cap 1.55% Monthly Sum S&P Cap $100k+ 1.75% S&P US Retiree Index Par Rt 50% S&P US Retiree Indx Par Rt $100k+ 55% iShares US Real Est Cap 5.05% iShares US Real Est Cap $100k+ 5.55% |
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 |
Fixed Account 2.50% S&P 500 Cap 5.25% S&P 500 Ann P2P Participation Rt 50% S&P MARC 5% ER Par Rate 100% |
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 1.35% S&P Ann P2P with Cap 2.00% S&P Monthly Avg with Cap 2.25% 1-Yr Gldman Sachs Mom Bldr Par Rate 45% 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 40% 2-Yr JP Morgan P2P Par Rate 47% 3-Yr JP Morgan P2P Par Rate 55% |
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 |
Fixed Account 1.45% Fixed Account $100k+ 1.60% S&P Ann P2P with Cap 2.85% S&P Ann P2P with Cap $100k+ 4.00% S&P Participation Rate (no cap) 30% S&P Par Rate (no cap) $100k+ 35% Ann P2P Vol Cntrl Spread (no cap) 3.50 Ann P2P Vol Cntrl Spread (no cap) 2.95 1-yr Fidelity AIM Participation Rate 80% 1-yr Fidelity AIM Par Rate $100k+ 85% |
7% simple for 10 years or to age 85 (earlier) - 0.95% |
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 4.60% S&P Annual P2P Cap $100k+ 4.85% S&P Ann P2P with Par Rate (no cap) 37% S&P Ann P2P with Par Rate $100k 39% |
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* |
|
American Equity
Forms |
Choice 8
8 years Flexible Premium |
Fixed Account 1.50% (1.70% MVA) S&P Annual P2P with Par Rate 22% (24% MVA) S&P Annual P2P with Cap 2.75% (3.00% MVA) S&P Monthly Sum Cap 1.20% (1.30% MVA) S&P Div Arist daily rsk cntrl sprd 4.00 (3.50 MVA) |
(1) 6% comp for 7 (+7) years - 0.90% fee or (2) 6% roll-up w/ enhancement (1% fee) or (3) 220% multiplier x index credit (0.90%) |
10% after 1st year |
5.00% 18-75 3.75% 76-80 2.50% 81-85 |
|
Lincoln Financial
Forms |
New Directions 8
8 years Single Premium |
Fixed Account 1.60% Fixed Account $100k+ 1.75% 8yrs Performance-Triggered Rate 2.70% Performance-Triggered Rate $100k+ 3.10% 2-Yr P2P Cap 6.40% 2-Yr P2P Cap $100k+ 8.20% |
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 |
Fixed Account 1.90% S&P Annual Cap 4.00% S&P Monthly Sum Cap 1.40% S&P IPT Declared Rate 4.65% S&P Low Vol Dly Rsk Cntrl Sprd 5% 3.75 DIJA Annual Cap 3.05% S&P Midcap 400 Annual Cap 3.00% Russell 2000 Annual Cap 2.95% Nasdaq 100 Annual Cap 2.95% Nasdaq 100 Monthly Sum Cap 1.45% Euro Stoxx 50 Annual Cap 3.95% Hang Seng Annual Cap 3.40% S&P Low Vol Ann P2P Threshold Par Strgy 25% Par - 6.50% Thresh - 115% Enhance S&P MARC 5% ER spread 1.35 S&P MARC 5% Par Rate (no cap) 75% |
6.00% for 10 years (1.05% cost) 5.75% in PA |
10% after 1st year |
5.00% 0-75 3.75% 76-79 2.50% 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) 39% S&P Ann P2P with Par Rate $100k 41% |
N/A |
10% after 1st year |
5.00% 0-80 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
American Equity
Forms |
Choice 10
10 years Flexible Premium |
Fixed Account 1.55% (1.75% MVA) S&P Annual P2P with Par Rate 23% (25% MVA) S&P Annual P2P with Cap 2.75% (3.25% MVA) S&P Monthly Sum Cap 1.25% (1.30% MVA) S&P Div Arist daily rsk cntrl sprd 3.75 (3.25 MVA) |
(1) 6% comp for 7 (+7) years - 0.90% fee or (2) 6% roll-up w/ enhancement (1% fee) or (3) 220% multiplier x index credit (0.90%) |
10% after 1st year |
6.00% 18-75 4.50% 76-80 |
|
American Equity
Forms |
AssetShield 10
10 years |
Fixed Account 1.75% S&P Annual P2P with Par Rate 25% S&P Annual P2P with Cap 3.25% S&P Monthly Sum Cap 1.30% 1-yr S&P Div Arist DRC Par Rate 100% 2-yr S&P Div Arist DRC Par Rate 110% |
N/A |
10% after 1st year |
6.00% 18-75 4.50% 76-80 Trail Options |
|
American General
Forms |
Power 10 Protector
10 years |
Fixed Account 1.85% S&P Annual P2P Cap 4.00% S&P Annual P2P Cap $100k+ 4.80% S&P Annual P2P Par Rate (no cap) 28% S&P Annual P2P Par Rate $100k+ 35% Russell 2000 Annual P2P Cap 3.40% Russell 2000 Ann Cap $100k+ 3.90% MSCI EAFE Annual P2P Cap 3.60% MSCI EAFE Annual P2P Cap $100k+ 4.20% PIMCO Global Optima Par Rate 35% PIMCO Global Optima Par Rate $100k 44% ML Strategic Balance Par Rate 60% ML Strategic Bal Par Rate $100k 68% |
N/A |
10% after 1st year |
7.00% 0-75 Trail options |
|
American General
Forms |
Power 10 Protector Plus Income
10 years |
Fixed Account 1.60% S&P Annual P2P Cap 2.60% S&P Annual P2P Cap $100k+ 3.10% S&P Annual P2P Par Rate (no cap) 22% S&P Annual P2P Par Rate $100k+ 26% Russell 2000 Annual P2P Cap 2.40% Russell 2000 Ann Cap $100k+ 2.60% MSCI EAFE Annual P2P Cap 2.60% MSCI EAFE Annual P2P Cap $100k+ 2.80% PIMCO Global Optima Par Rate 26% PIMCO Global Optima Par Rate $100k 34% ML Strategic Balance Par Rate 42% ML Strategic Bal Par Rate $100k 52% |
7.50% simple for 10 yrs. 200% step-up year 10. (95 bp cost) |
10% after 1st year |
7.00% 0-75 Trail options |
|
American National
Forms |
Strategy Index Plus 10
10 years |
Premium Enhancement 1.00% Fixed Account 1.25% S&P Performance Trigger Rate 2.25% 1-Yr Monthly Sum 1.10% 1-Yr S&P P2P 100% Par Rate Cap 2.50% 1-Yr S&P P2P 50% Par Rate Cap 2.60% |
1) 7.20% compound roll-up for 10 years (90 bp cost) or 2) 4.20% + index credit for 10 yrs (60 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 2.20% S&P Ann P2P Cap 3.75% Nasdaq-100 Ann P2P Cap 3.75% Russell 2000 Ann P2P Cap 3.75% Blmbrg USDB Index II Sprd 2.60 Blmbrg USDB Index II Cap 4.35% Blmbrg US Dyn Bal ER Par Rate 85% PIMCO Tact Bal Spread 2.60 PIMCO Tact Bal P2P Cap 4.15% PIMCO Tact Bal ER Par Rate 85% S&P Monthly Sum Cap 1.70% Nasdaq-100 Monthly Sum Cap 1.90% Russell 2000 Monthly Sum Cap 2.00% BlackRock iBLD Claria spread 2.20 BlackRock iBLD Claria ER Par Rt 90% BlackRock iBLD Claria Cap 4.00% 2-Yr BlackRock ER Par Rate 125% 2-Yr Blmbrg USDB II ER Par 125% 2-Yr PIMCO Tact Bal ER Par 125% |
Income base grows at 125% of index performance. Level or increasing income option. (1.20% cost) |
10% of premiums paid after 1 year |
6.175% 0-75 4.275% 76-80 Trail Options |
|
Company A
Forms |
222
10 years |
Fixed Account 1.50% S&P Ann P2P Cap 2.50% Nasdaq-100 Ann P2P Cap 2.50% Russell 2000 Ann P2P Cap 2.75% Blmbrg USDB Index II Cap 2.75% Blmbrg USDB Index II Sprd 3.85 Blmbrg US Dyn Bal ER Par Rate 60% PIMCO Tact Bal Spread 3.85 PIMCO Tact Bal P2P Cap 2.65% PIMCO Tact Bal ER Par Rate 60% S&P Monthly Sum Cap 1.30% Nasdaq-100 Monthly Sum Cap 1.60% Russell 2000 Monthly Sum Cap 1.60% BlackRock iBLD Claria Cap 2.40% BlackRock iBLD Claria spread 3.60 BlackRock iBLD Claria ER Par Rt 65% 2-Yr BlackRock ER Par Rate 90% 2-Yr Blmbrg USDB II ER Par 85% 2-Yr PIMCO Tact Bal ER Par 85% |
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 |
6.175% 0-75 4.275% 76-80 Trail Options |
|
Company A
Forms |
Accumulation Advantage
10 years |
Fixed Account 1.95% (2.25% $100k) S&P Ann P2P Cap 3.50% (4.25% $100k) Blmbrg USDB Index II Cap 3.50% (5.00% $100k) Blmbrg USDB Index II Sprd 3.00 (2.25 $100k) Blmbrg US Dyn Bal ER Par Rate 70% (85% $100k) PIMCO Tact Bal Spread 3.25 (2.25 $100k) PIMCO Tact Bal P2P Cap 3.25% (4.75% $100k) PIMCO Tact Bal ER Par Rate 70% (85%) S&P Monthly Sum Cap 1.40% (1.70% $100k) BlackRock iBLD Claria spread 2.75 (2.00 $100k) BlackRock iBLD Claria Cap 3.50% (5.00% $100k) BlackRock iBLD Claria ER Par Rt 75% (90% $100k) 2-Yr BlackRock ER Par Rate 105% (125% $100k) 2-Yr Blmbrg USDB II ER Par 95% (115% $100k) 2-Yr PIMCO Tact Bal ER Par 95% (115% $100k) |
N/A |
5% of premiums paid after 1 year |
6.65% 0-75 4.75% 76-80 Trail Options |
|
EquiTrust
Forms |
MarketTen Bonus
10 years Flexible Premium |
BONUS 6.00% Return of Premium Built-In Fixed Account 1.00% Annual P2P Cap 2.50% 2-Year Monthly Avg Cap 6.00% Monthly Sum Cap 1.00% Daily Averaging Cap 2.75% Monthly Avg (no cap) Part. Rate 30% |
6.00% compound growth for 10 years (0.75% cost) |
10% after 1st year |
6.00% 0-80 |
|
F&G Life
Forms |
Prosperity Elite 10
10 years Flexible Premium |
BONUS 4% (2% age 76+) Enhancemt Pkg BONUS 7% (3.50% 76+) Protection Pkg BONUS Different in Lite states Death Benefit & Impairment Options Fixed Account 1.50% S&P Annual P2P Cap 5.00% S&P Monthly Avg Cap 5.75% S&P Monthly Sum Cap 1.85% Gold Comm 1-Yr P2P Cap 5.50% Perform Triggered Rate 4.25% 2-yr P2P Barclays Trailblazer Par Rt 120% |
6.00% compounded for 10 yrs. Restart feature for up to 20 yrs. (1.30% cost) |
10% after 1st year |
7.00% 0-75 5.50% 76-80 3.75% 81-85 Different in some states |
|
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% |
7.50% compounded for 10 years. Reset feature for up to 20 years (1.05% cost) |
10% after 1st year |
7.00% 0-75 5.00% 76-80 different some states |
|
F&G Life
Forms |
Performance Pro
10 years Flexible Premium |
BONUS 9% (5% ages 76+) BONUS 7% and 4% in Lite states Fixed Account 1.50% S&P Annual P2P Cap 4.00% S&P Monthly Sum Cap 1.60% S&P 2-Yr P2P Cap 8.75% S&P 3-Yr P2P Cap 14.75% Gold Comm 1-Yr P2P Cap 5.25% |
Built-in. 3.25% rollup + index gains for 10 yrs or to age 85. Reset option for up to 20 yrs. (0.95% cost) |
10% after 1st year |
Temporary Special 8.50% 0-75 6.50% 76-80 different in some states |
|
F&G Life
Forms |
Accelerator Plus 10
10 years Addt'l prem yr 1 only |
Premium Bonus 7% (3.50% age 76+) Prem Bonus Lite States 5% (2.50% age 76+) Rates in parenthesis below 1% annual fee Fixed Account 1.50% S&P Annual P2P Cap 4.25% (7.00%) S&P Ann P2P Par Rate (fee only) 45% S&P Monthly Sum Cap 1.60% (2.50%) Perform Triggered Rate 3.50% (5.50%) 2-yr P2P Barclays Trailblazer Par Rt 120% (145%) |
7% Bonus (5% Lite States) 5% rollup for 10 yrs, or account value x performance factor if higher |
10% after 1st year |
8.00% 0-75 6.00% 76-80 4.00% 81-85 |
|
F&G Life
Forms |
Accumulator Plus 10
10 years Flexible Premium |
Rates in parenthesis below 1% annual fee Fixed Account 1.00% S&P Annual P2P Cap 4.25% (6.75%) S&P Ann P2P Par Rate (fee only) 45% S&P Monthly Avg Cap 4.75% (7.25%) S&P Monthly Sum Cap 1.60% (2.50%) Perform Triggered Rate 3.50% (5.25%) 2-yr P2P Barclays Trailblazer Par Rt 140% (160%) |
N/A |
10% after 1st year |
7.00% 0-70 5.00% 71-80 3.50% 81-85 |
|
Great American
Forms |
Safe Return
10 years Single Premium |
Return of Premium Built-In Fixed Account 1.45% Ann P2P S&P Risk Cntrl Par Rate 35% Ann P2P S&P Cap 3.00% iShares US Real Est Cap 3.50% |
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 |
DIFFERENT rates in AK,CA,IN,MN,MO,OH,PA,TX,UT,VA (no MVA) Fixed Account 1.45% Fixed Account $150k+ 1.45% Ann P2P S&P Risk Cntrl Par Rate 40% Ann P2P S&P Risk Cntrl Par Rate $150k+ 45% Ann P2P Gold Index Cap 5.00% Ann P2P Gold Index Cap $150k+ 5.25% Ann P2P S&P Cap 3.00% Ann P2P S&P Cap $150k+ 3.50% iShares US Real Est Cap 4.00% iShares US Real Est Cap $150k+ 4.25% |
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 2.50% S&P 500 Cap 5.25% S&P DRC 5% USD Excess Return Par Rate 100% S&P Economic Cycle Factor Rotator Index 100% 1-yr Morg Stnly Dvrsfd Sel Idx Par Rt 100% 2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 140% |
10% Bonus on Income Base. 4% compound roll-up + stacked index gains for 20 years - even after income starts (90 bp cost) |
10% after 1st year |
7.00% 0-75 5.00% 76-80 3.50% age 81 (different in some states) |
|
Guggenheim Life
Forms |
Highlander
10 years Addt'l prem yr 1 only |
BONUS 4.00% Fixed Account 2.00% S&P 500 Cap 4.25% S&P 500 Ann P2P Participation Rt 40% S&P MARC 5% ER Par Rate 90% |
10% Bonus on Income Base. 4% compound roll-up + stacked index gains for 20 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 |
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Lafayette Life
Forms |
Marquis SP 10
10 years Single Premium |
Fixed Account 1.35% S&P Ann P2P with Cap 2.00% S&P Monthly Avg with Cap 2.25% 1-Yr Gldman Sachs Mom Bldr Par Rate 45% 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 40% 2-Yr JP Morgan P2P Par Rate 50% 3-Yr JP Morgan P2P Par Rate 57% |
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 |
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Lincoln Financial
Forms |
OptiBlend 10
10 years |
Fixed Account 1.40% Fixed Account $100k+ 1.50% S&P Ann P2P with Cap 3.65% S&P Ann P2P with Cap $100k+ 4.50% S&P Participation Rate (no cap) 30% S&P Par Rate (no cap) $100k+ 36% Ann P2P Vol Cntrl Spread (no cap) 2.80 Ann P2P Vol Cntrl Spread $100k+ 2.25 1-yr Fidelity AIM Participation Rate 80% 1-yr Fidelity AIM Par Rate $100k+ 100% |
7% simple for 10 years or to age 85 (earlier) - 0.95% |
7.00% 0-74 4.00% 75-79 1.75% 80 |
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North American
Forms |
Benefit Solutions 10
10 years Single Premium |
Fixed Account 1.80% S&P Annual Cap 4.60% S&P Monthly Sum Cap 1.70% S&P Mo Avg Par Rate (no cap) 45% S&P Low Vol Dly Rsk Cntrl Sprd 5% 4.35 DIJA Mo Avg Par Rate (no cap) 45% Nasdaq 100 Monthly Sum Cap 1.40% |
Benefit Base Floor: 120% years 1-5 140% years 6-10 160% years 11+ (1.20% cost) |
5% after 1st year. |
6.75% 40-75 5.06% 76-79 |