| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|---|---|---|---|---|---|
|
Standard Insurance
Forms |
Index Select 5
5 years Single Premium |
Fixed Account 2.00% S&P Annual Point-to-Point Cap 4.25% S&P Annual P2P Cap $100k+ 4.75% |
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 1.70\% S&P Ann P2P with Par Rate 35% S&P Ann P2P with Cap 4.25% S&P Monthly Sum Cap 1.60% S&P Div Arist daily rsk cntrl spread 1.75 |
(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 |
|
Great American
Forms |
Safe Outlook
6 years Single Premium |
Fixed Account 1.70% Fixed Account ($100k+) 1.75% S&P Risk Cntrl P2P Par Rate 45% S&P Risk Cntrl P2P Par Rate $100k+ 50% S&P Ann P2P with Cap 4.50% S&P Ann P2P with Cap $100k+ 4.75% |
7% simple growth for 10 years (0.95), or 6% for 12 years (1.35) |
10% Starting in 1st Year |
3.50% 0-75 2.60% 76-80 1.70% 81-85 |
|
Lincoln Financial
Forms |
New Directions 6
6 years Single Premium |
Fixed Account 2.15% Fixed Account $100k+ 2.30% Performance-Triggered Rate 3.50% Performance-Triggered Rate $100k+ 4.00% 2-Yr P2P Cap 9.00% 2-Yr P2P Cap $100k+ 11.00% |
N/A |
10% Starting in 1st Year |
3.50% 0-75 2.75% 76-80 1.75% 81-85 |
|
Voya Financial
Forms |
Wealth Builder 6
6 years Flexible Premium |
Fixed Account 2.00% - 2.00% - 2.00% Ann P2P Cap ($15k - $100k - $750k) 3.50% - 4.25% - 4.50% Perf Trigger ($15k - $100k - $750k) 3.35% - 3.70% - 3.95% Benchmark Multiplier Cap 10% Benchmark Mltplr ($15k - $100k - $750k) 3.25 - 3.75 - 4.00 |
N/A |
5% after 1st year. |
3.50% 0-75 2.60% 76-80 |
| Company | Product/Term | Account Options | Income Rider | Free Withdrawls | Commission* |
|
Company A
Forms |
Core Income 7
7 years Addt'l prem yr 1 only |
Different Caps/Spreads In: AK,MN,MO,MS,OR,PA,UT,WA PREMIUM BONUS Fixed Account 2.20% S&P Ann P2P Cap 4.25% Nasdaq-100 Ann P2P Cap 4.25% Russell 2000 Ann P2P Cap 4.25% Bloomberg US Dyn Bal Idx II Cap 7.75% Bloomberg US Dyn Bal Idx II Sprd 1.25 |
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 |
|
F&G Life
Forms |
Prosperity Elite 7
7 years Flexible Premium |
BONUS 2% (1% age 76+) Enhancemt Pkg BONUS 4% (2% age 76+) Protection Pkg BONUS different in some states Fixed Account 1.00% Annual P2P Cap 3.25% Monthly Sum Cap 1.50% Monthly Avg Cap 3.75% Performance Trigger Rate: 3.00% Death Benefit & Impairment Options |
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 III
7 years |
Fixed Account 2.00% Monthly Sum S&P Cap 2.25% Ann P2P S&P Risk Cntrl Par Rate 60% Ann P2P Gold Index Cap 5.25% Ann P2P S&P Cap 5.15% S&P US Retiree Index Par Rt 65% iShares US Real Est Cap 5.75% |
7% simple growth for 10 years (0.95), or 6% for 12 years (1.35) |
10% Starting in 1st Year |
4.75% 0-75 3.25% 76-80 2.25% 81-85 |
|
Lafayette Life
Forms |
Marquis SP 7
7 years Single Premium |
Fixed Account 1.80% S&P Ann P2P with Cap 4.00% S&P Monthly Avg with Cap 3.75% 1-Yr Goldman Sachs Mom Bldr Par Rate 60% 2-Yr Goldman Sachs Mom Bldr Par Rate 85% 3-Yr Goldman Sachs Mom Bldr Par Rate 100% |
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 2.00% Fixed Account $100k+ 2.10% Performance-Triggered Rate 3.35% Performance-Triggered Rate $100k+ 3.50% S&P Ann P2P with Cap 3.75% S&P Ann P2P with Cap $100k+ 4.00% Ann P2P Vol Cntrl Spread (no cap) 2.40 Ann P2P Vol Cntrl Spread $100k+ 2.00 |
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 1.70% Fixed Account $250k+ 1.85% S&P Annual Cap 4.00% S&P Annual Cap $250k+ 4.35% S&P Monthly Sum Cap 1.55% S&P Mo Sum Cap $250k+ 1.65% S&P Low Vol Dly Rsk Cntrl Sprd 5% 3.10 S&P LV-DR Cntrl Sprd 5% $250k+ 2.60 S&P LV-DR Cntrl 2-yr Sprd 8% 3.85 S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.45 S&P Ann P2P with Par Rate 40% S&P Ann P2P with Par Rate $250k+ 40% S&P Low Vol Ann P2P Threshold Par Strgy 40% Par - 8% Thresh - 120% Enhance S&P Low Vol Ann P2P Thresh Par Strgy $250k+ 50% Par - 8% Thresh - 120% 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 |
|
North American
Forms |
Benefit Solutions II
7 years |
ONLY available in AK,MN,MO,OR,PA,UT,VA,WA Fixed Account 2.25% S&P Annual Cap 4.80% S&P Monthly Sum Cap 2.00% S&P Mo Avg Par Rate (no cap) 75% S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.00 DIJA Mo Avg Par Rate (no cap) 80% Nasdaq 100 Monthly Sum Cap 1.60% |
Benefit Base Floor: 120% years 1-5 140% years 6-10 160% years 11+ (1.20% cost) |
5% after 1st year. |
6.00% 0-75 4.50% 76-80 3.00% 80-85 |
|
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+ 5.25% |
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 1.80% S&P Ann P2P with Par Rate 40% S&P Ann P2P with Cap 4.50% S&P Monthly Sum Cap 1.70% S&P Monthly Sum Cap 1.50% |
(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 |
Fixed Account 2.15% Fixed Account $100k+ 2.30% Performance-Triggered Rate 3.50% Performance-Triggered Rate $100k+ 4.00% 2-Yr P2P Cap 9.00% 2-Yr P2P Cap $100k+ 11.00% |
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 |
PREMIUM BONUS Different rates in Utah Fixed Account 2.15% S&P Annual Cap 5.00% S&P Monthly Sum Cap 2.00% S&P IPT Declared Rate 4.90% S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.00 DIJA Annual Cap 3.60% S&P Midcap 400 Annual Cap 3.45% Russell 2000 Annual Cap 3.60% Nasdaq 100 Annual Cap 3.50% Nasdaq 100 Monthly Sum Cap 1.50% Euro Stoxx 50 Annual Cap 4.50% Hang Seng Annual Cap 4.90% S&P Low Vol Ann P2P Threshold Par Strgy 45% Par - 6% Thresh - 125% enhance |
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 5.10% S&P Annual P2P Cap $100k+ 5.60% |
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 1.90% S&P Ann P2P with Par Rate 42% S&P Ann P2P with Cap 4.50% S&P Monthly Sum Cap 1.80% 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 |
|
Company A
Forms |
360
10 years Addt'l prem yr 1 only |
Different Caps/Spreads In: AK,MN,MO,MS,OR,PA,UT,WA 25% Interest Bonus prior to income trigger Fixed Account 1.70% S&P Ann P2P Cap 3.25% Nasdaq-100 Ann P2P Cap 3.25% Blended Ann P2P Cap 3.75% Russell 2000 Ann P2P Cap 3.25% Bloomberg US Dyn Bal Idx II Cap 4.35% PIMCO Tact Bal Ann P2P Cap 4.10% Ann P2P Monthly Avg with Spread 2.75 Bloomberg US Dyn Bal Idx II Sprd 2.20 PIMCO Tact Bal Spread 2.10 S&P Monthly Sum Cap 1.90% Nasdaq-100 Monthly Sum Cap 1.90% Russell 2000 Monthly Sum Cap 2.00% |
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 |
|
Company A
Forms |
222
10 years Addt'l prem yr 1 only |
Different Caps/Spreads In: AK,MN,MO,MS,NJ,OR,PA,UT,WA Fixed Account 1.50% S&P Ann P2P Cap 2.75% Nasdaq-100 Ann P2P Cap 2.75% Blended Ann P2P Cap 3.25% Russell 2000 Ann P2P Cap 2.75% Bloomberg US Dyn Bal Idx II Cap 3.75% PIMCO Tact Bal Ann P2P Cap 3.50% Ann P2P Monthly Avg with Spread 3.00 Bloomberg US Dyn Bal Idx II Sprd 2.70 PIMCO Tact Bal Spread 2.60 S&P Monthly Sum Cap 1.70% Nasdaq-100 Monthly Sum Cap 1.70% Russell 2000 Monthly Sum Cap 2.10% |
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 |
|
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 3% (1.50% age 76+) Enhncemt Pkg BONUS 6% (3% age 76+) Protection Pkg BONUS different in some states Fixed Account 1.00% Annual P2P Cap 3.25% Monthly Sum Cap 1.50% Performance Trigger Rate: 3.00% Monthly Avg Cap 3.75% Death Benefit & Impairment Options |
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 9% on AV ONLY (4.5% ages 76-80) Fixed Account 1.00% Annual P2P Cap 4.00% Monthly Sum Cap 1.85% Ann P2P Gold Commodity Cap 4.50% S&P 2-year P2P Cap 8.50% S&P 3-year P2P Cap 15.25% 5-Yr DJ Real Est Risk Cntrl Sprd 15.50 |
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 |
|
Great American
Forms |
Safe Return
10 years Single Premium |
Return of Premium Built-In Fixed Account 1.00% Annual P2P Cap 4.50% Annual P2P Bailout Cap 3.00% Ann P2P S&P Risk Cntrl Par Rate 50% iShares US Real Est Cap 5.00% |
9% simple growth for 10 years (0.95), or 7% for 12 years (1.35) |
10% Starting in 1st Year |
5.50% 0-75 4.50% 76-80 1.50% 81-85 |
|
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 3.65% 76-80 1.65% 81-85 |
|
Great American
Forms |
Custom 10
10 years Single Premium |
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 (CA,IN,OH,MN,MO,PA,TX,VA) 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 4.50% 76-80 2.50% 81-85 |
|
Guggenheim Life
Forms |
TriVysta
10 years Addt'l prem yr 1 only |
Fixed Account 2.40% S&P 500 Cap 4.75% 1-yr CROCI Sector II 5.5% VC Idx sprd 2.25 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 90% 2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 110% 5-yr Morg Stnly Dvrsfd Sel Idx Par Rt 120% |
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 on Account Value Only 4.00% Fixed Account 2.25% S&P 500 Cap 4.50% S&P 500 Ann P2P Participation Rt 40% |
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 1.90% S&P Ann P2P with Cap 4.25% S&P Monthly Avg with Cap 4.00% 1-Yr Goldman Sachs Mom Bldr Par Rate 65% 2-Yr Goldman Sachs Mom Bldr Par Rate 90% 3-Yr Goldman Sachs Mom Bldr Par Rate 110% |
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 2.20% Fixed Account $100k+ 2.35% Performance-Triggered Rate 3.65% Performance-Triggered Rate $100k+ 4.00% S&P Ann P2P with Cap 4.50% S&P Ann P2P with Cap $100k+ 5.50% Ann P2P Vol Cntrl Spread (no cap) 1.50 Ann P2P Vol Cntrl Spread $100k+ 0.90 |
5% compound for 10 years or to age 85 (earlier) - 0.95% |
6.00% 0-74 4.00% 75-79 1.75% 80 |
|
|
North American
Forms |
RetireChoice 10
10 years Flexible Premium |
Bonus 2.50% on Acct Value Only on all premiums 1st 5 years or 5% total w/ Optional Addt'l Ben Rider Different in OH, OK, UT Fixed Account 1.75% Fixed Account $250k+ 2.00% S&P Annual Cap 4.55% S&P Annual Cap $250k+ 5.00% S&P Monthly Sum Cap 1.80% S&P Mo Sum Cap $250k+ 2.00% S&P IPT Declared Rate 4.10% S&P IPT Declared Rate $250k+ 4.60% S&P Mo Avg Par Rate (no cap) 60% S&P Mo Avg Par Rate $250k+ 70% S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.55 S&P LV-DR Cntrl Sprd 5% $250k+ 2.20 S&P LV-DR Cntrl 2-yr Sprd 8% 3.45 S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.00 DIJA Annual Cap 2.90% DIJA Annual Cap $250k+ 3.35% DIJA Mo Avg Par Rate (no cap) 60% DIJA Mo Avg Par Rate $250k+ 70% S&P Midcap 400 Annual Cap 2.75% S&P Midcap 400 Ann Cap 250k+ 3.20% S&P Midcap 400 Par Rate 50% S&P Midcap 400 Par Rate 250k+ 55% Nasdaq 100 Annual Cap 2.80% Nasdaq 100 Ann Cap $250k+ 3.25% Nasdaq 100 Monthly Sum Cap 1.30% Nasdaq 100 Mo Sum Cap $250k+ 1.40% |
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 |
|
North American
Forms |
Income Choice 10
10 years Flexible Premium |
Low band only in OH-TX Variations in HI & PA Fixed Account 1.70% Fixed Account $250k+ 1.90% S&P Annual Cap 4.10% S&P Annual Cap $250k+ 4.45% S&P Monthly Sum Cap 1.60% S&P Mo Sum Cap $250k+ 1.70% S&P Low Vol Dly Rsk Cntrl Sprd 5% 3.00 S&P LV-DR Cntrl Sprd 5% $250k+ 2.50 S&P LV-DR Cntrl 2-yr Sprd 8% 3.80 S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.40 S&P Ann P2P with Par Rate 40% S&P Ann P2P with Par Rate $250k+ 45% S&P Low Vol Ann P2P Threshold Par Strgy 45% Par - 8% Thresh - 110% Enhance S&P Low Vol Ann P2P Thresh Par Strgy $250k+ 45% Par - 7% Thresh - 125% 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. |
7.00% 0-75 5.25% 76-79 |
|
North American
Forms |
Benefit Solutions 10
10 years Single Premium |
Different rates in CT,DE,FL,IN,MD,MS,NV,OH,OK,SC,TX Fixed Account 2.45% S&P Annual Cap 5.15% S&P Monthly Sum Cap 2.15% S&P Mo Avg Par Rate (no cap) 80% S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.70 DIJA Mo Avg Par Rate (no cap) 85% Nasdaq 100 Monthly Sum Cap 1.70% |
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 |