| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|---|---|---|---|---|---|
|
Great American
Forms |
Landmark 5
5 years Flex 1st 60 days |
Different rates in AK,CA,PA,UT&VA (no MVA) Fixed Account 2.85% Fixed Account $100k+ 3.00% Ann P2P S&P Risk Cntrl Par Rate 65% Ann P2P S&P Risk Cntrl Par Rt $100k+ 70% Ann P2P S&P Cap 6.05% Annual P2P S&P Cap $100k+ 6.30% S&P US Retiree Index Par Rt 70% S&P US Retiree Indx Par Rt $100k+ 75% iShares US Real Est Cap 7.00% iShares US Real Est Cap $100k+ 7.25% |
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 2.60% Fixed Account $100k+ 3.00% Performance-Triggered Rate 4.00% Performance-Triggered Rate $100k+ 4.50% S&P Ann P2P with Cap 5.00% S&P Ann P2P with Cap $100k+ 6.00% Ann P2P Vol Cntrl Spread (no cap) 0.95 Ann P2P Vol Cntrl Spread $100k+ 0.75 |
N/A |
10% Starting in 1st Year |
2.70% 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 5.25% S&P Annual P2P Cap $100k+ 5.50% S&P Ann P2P with Par Rate (no cap) 50% S&P Ann P2P with Par Rate $100k 52% |
N/A |
10% after 1st year |
3.00% 0-80 1.50% 81-85 1.35% 86-90 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
American Equity
Forms |
Choice 6
6 years Flexible Premium |
Fixed Account 1.80% (1.90% MVA) S&P Ann P2P with Par Rt 40% (45% MVA) S&P Ann P2P with Cap 4.50% (4.75% MVA) S&P Monthly Sum Cap 1.50% (1.60% MVA) S&P Div Arist daily rsk cntrl spread 1.75 (1.50 MVA) |
(1) 6% comp for 7 (+7) years or (2) index credit x multiplier (0.90% cost) Add 10 bps for well-being rider |
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 2.60% Fixed Account $100k+ 2.85% Performance-Triggered Rate 4.00% Performance-Triggered Rate $100k+ 4.50% 2-Yr P2P Cap 10.50% 2-Yr P2P Cap $100k+ 12.50% |
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 General
Forms |
Power 7 Protector
7 years |
Fixed Account 2.20% Fixed Account $100k+ 2.20% S&P Annual P2P Cap 5.00% S&P Annual P2P Cap $100k+ 6.25% MLSB Annual P2P Spread 1.95 MLSB Ann P2P Spread $100k+ 1.00 MLSB 2-Yr P2P Spread 0.80 MLSB 2-Yr P2P Spread $100k+ 0.00 |
N/A |
10% after 1st year |
4.00% 0-80 Ages 81-85 2.00% + 0.25% trail |
|
American General
Forms |
Power 7 Protector Plus Income
7 years |
Fixed Account 2.00% Fixed Account $100k+ 2.00% S&P Annual P2P Cap 3.50% S&P Annual P2P Cap $100k+ 4.25% MLSB Annual P2P Spread 2.60 MLSB Ann P2P Spread $100k+ 1.80 MLSB 2-Yr P2P Spread 1.60 MLSB 2-Yr P2P Spread $100k+ 0.85 |
7.50% simple for 10 yrs. 200% step-up year 10. (95 bp cost) |
10% after 1st year |
4.00% 0-80 |
|
American National
Forms |
Strategy Index Plus 7
7 years |
Premium Enhancement 1.00% Fixed Account 2.65% S&P Performance Trigger Rate 3.90% 1-Yr Monthly Sum 1.45% 1-Yr S&P P2P 100% Par Rate Cap 4.35% 1-Yr S&P P2P 50% Par Rate Cap 5.00% |
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 |
PREMIUM BONUS Fixed Account 2.80% S&P Ann P2P Cap 5.50% Nasdaq-100 Ann P2P Cap 5.50% Russell 2000 Ann P2P Cap 5.50% Blmbrg US Dyn Bal Idx II Cap 7.25% Bloomberg US Dyn Bal Idx II Sprd 0.75 |
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 5.50% S&P Monthly Avg Cap 6.50% S&P Monthly Sum Cap 2.10% Gold Comm 1-Yr P2P Cap 5.50% Perform Triggered Rate 4.50% 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&VA (no MVA) Fixed Account 2.90% Fixed Account $100k+ 3.00% Ann P2P S&P Risk Cntrl Par Rate 65% Ann P2P S&P Risk Cntrl Par Rt $100k+ 70% Ann P2P Gold Index Cap 7.00% Ann P2P Gold Index Cap $100k+ 7.25% Ann P2P S&P Cap 6.15% Annual P2P S&P Cap $100k+ 6.40% Monthly Sum S&P Cap 2.30% Monthly Sum S&P Cap $100k+ 2.50% S&P US Retiree Index Par Rt 70% S&P US Retiree Indx Par Rt $100k+ 75% iShares US Real Est Cap 7.75% iShares US Real Est Cap $100k+ 8.25% |
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 3.00% S&P 500 Cap 5.50% S&P 500 Ann P2P Participation Rt 47% S&P MARC 5% ER Par Rate 110% |
N/A |
10% after 1st year |
5.00% 0-75 4.00% 76-80 trail options |
|
Lafayette Life
Forms |
Marquis SP 7
7 years Single Premium |
Fixed Account 2.65% S&P Ann P2P with Cap 5.25% S&P Monthly Avg with Cap 4.00% 1-Yr Gldman Sachs Mom Bldr Par Rate 80% 2-Yr Gldman Sachs Mom Bldr Par Rt 115% 3-Yr Gldman Sachs Mom Bldr Par Rt 145% 1-Yr JP Morgan P2P Par Rate 65% 2-Yr JP Morgan P2P Par Rate 92% 3-Yr JP Morgan P2P Par Rate 112% |
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 2.20% Fixed Account $100k+ 2.30% Performance-Triggered Rate 3.90% Performance-Triggered Rate $100k+ 4.00% S&P Ann P2P with Cap 4.25% S&P Ann P2P with Cap $100k+ 5.50% Ann P2P Vol Cntrl Spread (no cap) 1.95 Ann P2P Vol Cntrl Spread $100k+ 1.45 |
5% compound for 10 years or to age 85 (earlier) - 0.95% |
10% Starting in 1st Year |
4.50% 0-74 3.00% 75-79 2.00% 80-84 0.75% 85 |
|
North American
Forms |
Income Choice 7
7 years Flexible Premium |
Fixed Account 2.00% Fixed Account $250k+ 2.15% S&P Annual Cap 4.40% S&P Annual Cap $250k+ 4.75% S&P Monthly Sum Cap 1.75% S&P Mo Sum Cap $250k+ 1.80% S&P Low Vol Dly Rsk Cntrl Sprd 5% 3.10 S&P LV-DR Cntrl Sprd 5% $250k+ 2.75 S&P LV-DR Cntrl 2-yr Sprd 8% 4.10 S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.75 S&P Ann P2P with Par Rate 33% S&P Ann P2P with Par Rate $250k+ 35% S&P Low Vol Ann P2P Threshold Par Strgy 30% Par - 6% Thresh - 115% Enhance S&P Low Vol Ann P2P Thresh Par Strgy $250k+ 30% Par - 5.50% Thresh - 115% Enhance |
5% bonus on benefit base. Grows at 2% + 150% index credit stack up to 20 yrs. Level or increasing income options. No cost rider. |
5% after 1st year. |
5.00% 0-75 3.75% 76-79 2.50% 80-85 |
|
Standard Insurance
Forms |
Index Select 7
7 years Single Premium |
Fixed Account 2.00% S&P Annual Point-to-Point Cap 5.75% S&P Annual P2P Cap $100k+ 6.00% S&P Ann P2P with Par Rate (no cap) 51% S&P Ann P2P with Par Rate $100k 53% |
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 1.90% (2.00% MVA) S&P Ann P2P with Par Rt 45% (50% MVA) S&P Ann P2P with Cap 4.75% (5.00% MVA) S&P Monthly Sum Cap 1.60% (1.70% MVA) S&P Div Arist daily rsk cntrl spread 1.50 (1.25 MVA) |
(1) 6% comp for 7 (+7) years or (2) index credit x multiplier (0.90% cost) Add 10 bps for well-being rider |
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 |
PREMIUM BONUS Fixed Account 2.30% Fixed Account $100k+ 2.45% Performance-Triggered Rate 3.85% Performance-Triggered Rate $100k+ 4.40% 2-Yr P2P Cap 9.50% 2-Yr P2P Cap $100k+ 11.50% |
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 |
Fixed Account 2.90% S&P Annual Cap 5.50% S&P Monthly Sum Cap 2.00% S&P IPT Declared Rate 7.35% S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.80 DIJA Annual Cap 4.75% S&P Midcap 400 Annual Cap 4.55% Russell 2000 Annual Cap 4.80% Nasdaq 100 Annual Cap 4.80% Nasdaq 100 Monthly Sum Cap 1.80% Euro Stoxx 50 Annual Cap 8.10% Hang Seng Annual Cap 6.75% S&P Low Vol Ann P2P Threshold Par Strgy 35% Par - 4.50% Thresh - 120% Enhance S&P MARC 5% ER spread 0.00% |
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 6.00% S&P Annual P2P Cap $100k+ 6.25% S&P Ann P2P with Par Rate (no cap) 52% S&P Ann P2P with Par Rate $100k 54% |
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 2.00% (2.10% MVA) S&P Ann P2P with Par Rt 47% (52% MVA) S&P Ann P2P with Cap 4.75% (5.25% MVA) S&P Monthly Sum Cap 1.70% (1.80% MVA) S&P Div Arist daily rsk cntrl spread 1.25 |
(1) 6% comp for 7 (+7) years or (2) index credit x multiplier (0.90% cost) Add 10 bps for well-being rider |
10% after 1st year |
6.00% 18-75 4.50% 76-80 |
|
American General
Forms |
Power 10 Protector
10 years |
Fixed Account 2.25% Fixed Account $100k+ 2.25% S&P Annual P2P Cap 5.05% S&P Annual P2P Cap $100k+ 6.30% MLSB Annual P2P Spread 1.85 MLSB Ann P2P Spread $100k+ 0.95 MLSB 2-Yr P2P Spread 0.75 MLSB 2-Yr P2P Spread $100k+ 0.00 |
N/A |
10% after 1st year |
7.00% 0-70 5.00% 71-75 Trail options |
|
American General
Forms |
Power 10 Protector Plus Income
10 years |
Fixed Account 2.00% Fixed Account $100k+ 2.00% S&P Annual P2P Cap 3.50% S&P Annual P2P Cap $100k+ 4.25% MLSB Annual P2P Spread 2.45 MLSB Ann P2P Spread $100k+ 1.75 MLSB 2-Yr P2P Spread 1.45 MLSB 2-Yr P2P Spread $100k+ 0.75 |
7.50% simple for 10 yrs. 200% step-up year 10. (95 bp cost) |
10% after 1st year |
7.00% 0-70 5.00% 71-75 Trail options |
|
American National
Forms |
Strategy Index Plus 10
10 years |
Premium Enhancement 1.00% Fixed Account 2.80% S&P Performance Trigger Rate 4.15% 1-Yr Monthly Sum 1.55% 1-Yr S&P P2P 100% Par Rate Cap 4.70% 1-Yr S&P P2P 50% Par Rate Cap 6.00% |
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 Addt'l prem yr 1 only |
25% Interest Bonus prior to income trigger Fixed Account 2.60% S&P Ann P2P Cap 4.75% Nasdaq-100 Ann P2P Cap 4.75% Blended Ann P2P Cap 5.50% Russell 2000 Ann P2P Cap 4.75% Ann P2P Monthly Avg with Spread 0.50 Blmbrg US Dyn Bal Idx II Cap 5.85% Bloomberg US Dyn Bal Idx II Sprd 1.60 Blmbrg US Dyn Bal Idx II Par Rt 70% PIMCO Tact Bal Ann P2P Cap 5.65% PIMCO Tact Bal Spread 1.60 PIMCO Tact Bal Par Rate 70% S&P Monthly Sum Cap 2.00% Nasdaq-100 Monthly Sum Cap 2.00% Russell 2000 Monthly Sum Cap 2.40% BlackRock iBLD Claria Cap 5.50% BlackRock iBLD Claria spread 1.45 BlackRock iBLD Claria Par Rate 75% |
Income base grows at 125% of index performance. Level or increasing income option. (1.20% cost) |
10% of premiums paid after 1 year |
6.50% 0-75 4.50% 76-80 E-app comp special |
|
Company A
Forms |
222
10 years Addt'l prem yr 1 only |
Fixed Account 1.90% S&P Ann P2P Cap 3.25% Nasdaq-100 Ann P2P Cap 3.25% Blended Ann P2P Cap 3.50% Russell 2000 Ann P2P Cap 3.25% Ann P2P Monthly Avg with Spread 2.00 Blmbrg US Dyn Bal Idx II Par Rt 50% Blmbrg US Dyn Bal Idx II Cap 3.50% Bloomberg US Dyn Bal Idx II Sprd 3.10 PIMCO Tact Bal Spread 3.10 PIMCO Tact Bal Par Rate 50% PIMCO Tact Bal Ann P2P Cap 3.40% S&P Monthly Sum Cap 1.50% Nasdaq-100 Monthly Sum Cap 1.50% Russell 2000 Monthly Sum Cap 1.80% BlackRock iBLD Claria Cap 3.15% BlackRock iBLD Claria spread 2.85 BlackRock iBLD Claria Par Rate 55% |
30% bonus on income base to 9/17/18. 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 E-app comp special |
|
Company A
Forms |
Accumulation Advantage
10 years |
Fixed Account 2.45% (2.75% $100k) S&P Ann P2P Cap 4.50% (5.25% $100k) Blmbrg US Dyn Bal Idx II Par Rt 70% (80%) Blmbrg US Dyn Bal Idx II Cap 5.50% (7.00%) PIMCO Tact Bal Par Rate 70% (80%) PIMCO Tact Bal Ann P2P Cap 5.25% (6.75% $100k) S&P Monthly Sum Cap 2.00% (2.30%) BlackRock iBLD Claria Cap 5.50% (7.00%) BlackRock iBLD Claria Par Rate 72% (82%) |
N/A |
5% of premiums paid after 1 year |
6.00% 0-75 4.00% 76-80 |
|
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 5.25% 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 8% if GLWB is elected BONUS (7% 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% |
7.25% 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 10% (5.50% age 76+) BONUS Different in Lite states Monthly Sum Cap 1.85% 5-Yr DJ Real Est Risk Cntrl Sprd 15.50 Fixed Account 1.50% S&P Annual P2P Cap 4.50% S&P 2-Yr P2P Cap 10.75% S&P 3-Yr P2P Cap 18.50% Gold Comm 1-Yr P2P Cap 5.50% |
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 5.00% (7.75%) S&P Monthly Sum Cap 2.00% (3.00%) Perform Triggered Rate 4.25% (6.00%) 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 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 6.00% (8.75%) S&P Monthly Avg Cap 7.50% (9.25%) S&P Monthly Sum Cap 2.10% (3.10%) Perform Triggered Rate 4.75% (6.50%) 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 Annual P2P Bailout Cap 3.00% Fixed Account 2.00% Ann P2P S&P Risk Cntrl Par Rate 50% Ann P2P S&P Cap 5.00% iShares US Real Est Cap 6.00% |
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 |
American Valor 10
10 years Flexible Premium |
BONUS 2% Fixed Account 1.00% Ann P2P S&P Risk Cntrl Par Rate 50% Ann P2P S&P Cap 4.50% S&P US Retiree Index Par Rt 65% |
Must purchase rider. 7% simple growth for 10 years (0.95), or 6% for 12 years (1.35) |
10% Starting in 1st Year |
5.00% 0-75 3.15% 76-85 Trail options |
|
Great American
Forms |
Custom 10
10 years Single Premium |
Different rates in AK,CA,PA,UT&VA (no MVA) Fixed Account 1.60% Fixed Account $150k+ 1.70% Ann P2P S&P Risk Cntrl Par Rate 55% Ann P2P S&P Risk Cntrl Par Rate $150k+ 60% Ann P2P Gold Index Cap 5.25% Ann P2P Gold Index Cap $150k+ 5.50% Ann P2P S&P Cap 4.50% Ann P2P S&P Cap $150k+ 4.75% Different Caps/Rates in Non-MVA States iShares US Real Est Cap 5.25% iShares US Real Est Cap $150k+ 5.50% |
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 2.90% S&P 500 Cap 5.25% 1-yr CROCI Sector II 5.5% VC Idx sprd 2.40 2-yr CROCI Sector II 5.5% VC Idx Par Rt 80% 5-yr P2P CROCI Sector II Idx Par Rate 30% 1-yr Morg Stnly Dvrsfd Sel Idx Par Rt 100% 2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 130% 5-yr Morg Stnly Dvrsfd Sel Idx Par Rt 125% |
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) Plus comp bonus to Sept 28th |
|
Guggenheim Life
Forms |
Highlander
10 years Addt'l prem yr 1 only |
Bonus on Account Value Only 4.00% Fixed Account 2.50% S&P 500 Cap 4.50% S&P 500 Ann P2P Participation Rt 35% S&P MARC 5% ER Par Rate 100% |
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 |
|
Lafayette Life
Forms |
Marquis SP 10
10 years Single Premium |
Fixed Account 2.65% S&P Ann P2P with Cap 5.25% S&P Monthly Avg with Cap 4.25% 1-Yr Gldman Sachs Mom Bldr Par Rate 85% 2-Yr Gldman Sachs Mom Bldr Par Rt 120% 3-Yr Gldman Sachs Mom Bldr Par Rt 150% 1-Yr JP Morgan P2P Par Rate 67% 2-Yr JP Morgan P2P Par Rate 95% 3-Yr JP Morgan P2P Par Rate 115% |
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 |
Fixed Account 2.40% Fixed Account $100k+ 2.45% Performance-Triggered Rate 4.25% Performance-Triggered Rate $100k+ 4.50% S&P Ann P2P with Cap 5.25% S&P Ann P2P with Cap $100k+ 6.20% Ann P2P Vol Cntrl Spread (no cap) 1.30 Ann P2P Vol Cntrl Spread $100k+ 0.95 |
5% compound for 10 years or to age 85 (earlier) - 0.95% |
7.00% 0-74 4.00% 75-79 1.75% 80 |
|
|
North American
Forms |
RetireChoice 10
10 years Flexible Premium |
Bonus 2.00% on Acct Value Only on all premiums 1st 5 years or 4.50% total w/ Optional Addt'l Ben Rider Different in OH, OK, UT Fixed Account 2.50% Fixed Account $250k+ 2.60% S&P Annual Cap 5.20% S&P Annual Cap $250k+ 5.50% S&P Monthly Sum Cap 2.00% S&P Mo Sum Cap $250k+ 2.20% S&P IPT Declared Rate 6.35% S&P IPT Declared Rate $250k+ 6.60% S&P Mo Avg Par Rate (no cap) 65% S&P Mo Avg Par Rate $250k+ 70% S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.30 S&P LV-DR Cntrl Sprd 5% $250k+ 2.00 S&P LV-DR Cntrl 2-yr Sprd 8% 3.30 S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 2.90 DIJA Annual Cap 4.00% DIJA Annual Cap $250k+ 4.20% DIJA Mo Avg Par Rate (no cap) 60% DIJA Mo Avg Par Rate $250k+ 65% S&P Midcap 400 Annual Cap 3.80% S&P Midcap 400 Ann Cap 250k+ 4.00% S&P Midcap 400 Par Rate 60% S&P Midcap 400 Par Rate 250k+ 65% Nasdaq 100 Annual Cap 4.05% Nasdaq 100 Ann Cap $250k+ 4.20% Nasdaq 100 Monthly Sum Cap 1.55% Nasdaq 100 Mo Sum Cap $250k+ 1.65% |
Must choose income rider OR Addt'l Benefit rider, not both. 6.00% for 10 years (1.05% cost) 5.75% in PA |
10% after 1st year |
7.00% 0-75 5.25% 75-79 |
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North American
Forms |
Benefit Solutions 10
10 years Single Premium |
Fixed Account 2.90% S&P Annual Cap 6.20% S&P Monthly Sum Cap 2.40% S&P Mo Avg Par Rate (no cap) 80% S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.50 DIJA Mo Avg Par Rate (no cap) 75% Nasdaq 100 Monthly Sum Cap 1.80% |
Benefit Base Floor: 120% years 1-5 140% years 6-10 160% years 11+ (1.20% cost) |
5% after 1st year. |
7.00% 40-75 5.25% 76-79 |