AnnuityAdvisors - Where advisors go for advice
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 1.80%
S&P Ann P2P with Par Rate 40%
S&P Ann P2P with Cap 4.50%
S&P Monthly Sum Cap 1.80%
S&P Div Arist daily rsk cntrl spread 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
4.00% 18-75
3.00% 76-80
2.00% 81-85
Great American

Forms
Safe Outlook

6 years

Single Premium
Fixed Account 1.80%
Fixed Account ($100k+) 1.90%
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%
9% simple growth for 10 years (0.95), or 7% 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 1.65%
Fixed Account $100k+ 1.80%
Performance-Triggered Rate 2.70%
Performance-Triggered Rate $100k+ 3.00%
2-Yr P2P Cap 6.50%
2-Yr P2P Cap $100k+ 7.20%
5% compound growth for 10 years or to age 85 (earlier of two) 0.95% cost 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 2.25%
Ann P2P Cap ($15k - $100k - $750k) 3.50% - 4.25% - 4.50%
Perf Trigger ($15k - $100k - $750k) 3.65% - 4.00% - 4.25%
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

Flex for First 3 Years
Different Caps/Spreads In: AK,MN,MO,MS,OR,PA,UT,WA
PREMIUM BONUS
Fixed Account 2.50%
S&P Ann P2P Cap 5.00%
Nasdaq-100 Ann P2P Cap 5.00%
Russell 2000 Ann P2P Cap 5.00%
Bloomberg US Dyn Bal Idx II Cap 8.50%
Bloomberg US Dyn Bal Idx II Sprd 0.50
Account value = income base. Level or increasing income options. (105 bp cost). 10% of premiums paid after 1 year
5.00% 0-75
3.50% 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 3.00%
Monthly Sum Cap 1.50%
Performance Trigger Rate: 2.50%
Monthly Avg Cap 3.25%
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 2.00%
Gold 1-year P2P Cap 5.50%
S&P Annual Cap 5.25%
S&P Risk Cntrl P2P Par Rate 60%
S&P US Retiree Index Par Rt 75%
iShares US Real Est Cap 6.00%
9% simple growth for 10 years (0.95), or 7% 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 1.75%
S&P Ann P2P with Cap 4.00%
S&P Monthly Avg with Cap 3.75%
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 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 1.80%
Fixed Account $100k+ 2.00%
Performance-Triggered Rate 3.00%
Performance-Triggered Rate $100k+ 3.30%
S&P Ann P2P with Cap 3.25%
S&P Ann P2P with Cap $100k+ 3.65%
Ann P2P Vol Cntrl Spread (no cap) 2.85
Ann P2P Vol Cntrl Spread $100k+ 2.40
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 1.55%
Fixed Account $250k+ 1.75%
S&P Annual Cap 3.55%
S&P Annual Cap $250k+ 3.80%
S&P Monthly Sum Cap 1.55%
S&P Mo Sum Cap $250k+ 1.65%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 3.95
S&P LV-DR Cntrl Sprd 5% $250k+ 3.35
S&P LV-DR Cntrl 2-yr Sprd 8% 4.20
S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.75
S&P Ann P2P with Par Rate 25%
S&P Ann P2P with Par Rate $250k+ 30%
S&P Low Vol Ann P2P Threshold Par Strgy 40% Par - 8% Threshold - 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 2.20%
S&P Annual Cap 4.50%
S&P Monthly Sum Cap 2.00%
S&P Mo Avg Par Rate (no cap) 70%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.00
DIJA Mo Avg Par Rate (no cap) 70%
Nasdaq 100 Monthly Sum Cap 1.65%
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 5.00%
S&P Annual P2P Cap $100k+ 5.50%
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%
S&P Ann P2P with Par Rate 45%
S&P Ann P2P with Cap 4.60%
S&P Monthly Sum Cap 1.90%
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
5.00% 18-75
3.75% 76-80
2.50% 81-85
Lincoln Financial

Forms
New Directions 8

8 years

Single Premium
Fixed Account 1.80%
Fixed Account $100k+ 2.00%
Performance-Triggered Rate 3.00%
Performance-Triggered Rate $100k+ 3.30%
2-Yr P2P Cap 7.20%
2-Yr P2P Cap $100k+ 8.10%
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

Different rates in Utah
Fixed Account 2.25%
S&P Annual Cap 4.80%
S&P Monthly Sum Cap 1.90%
S&P IPT Declared Rate 4.35%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.55
DIJA Annual Cap 3.90%
S&P Midcap 400 Annual Cap 3.70%
Russell 2000 Annual Cap 3.80%
Nasdaq 100 Annual Cap 3.75%
Nasdaq 100 Monthly Sum Cap 1.75%
Euro Stoxx 50 Annual Cap 4.50%
Hang Seng Annual Cap 4.75%
S&P Low Vol Ann P2P Threshold Par Strgy 50% Par - 5% Thresh - 120% 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 2.00%
S&P Ann P2P with Par Rate 45%
S&P Ann P2P with Cap 4.75%
S&P Monthly Sum Cap 2.00%
S&P Div Arist daily rsk cntrl spread 1.00
(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

Flex for First 3 Years
Different Caps/Spreads In: AK,MN,MO,MS,OR,PA,UT,WA
25% Interest Bonus prior to income trigger
Fixed Account 1.90%
S&P Ann P2P Cap 3.75%
Nasdaq-100 Ann P2P Cap 3.75%
Blended Ann P2P Cap 4.25%
Russell 2000 Ann P2P Cap 3.75%
Bloomberg US Dyn Bal Idx II Cap 4.85%
PIMCO Tact Bal Ann P2P Cap 4.60%
Ann P2P Monthly Avg with Spread 2.25
Bloomberg US Dyn Bal Idx II Sprd 1.70
PIMCO Tact Bal Spread 1.60
S&P Monthly Sum Cap 2.10%
Nasdaq-100 Monthly Sum Cap 2.10%
Russell 2000 Monthly Sum Cap 2.20%
Income base grows at 125% of index performance. Level or increasing income option. (1.15% cost) 10% of premiums paid after 1 year
6.175% 0-75
4.275% 76-80
Company A

Forms
222

10 years

Flex for First 3 Years
Different Caps/Spreads In: AK,MN,MO,MS,NJ,OR,PA,UT,WA
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 4.25%
PIMCO Tact Bal Ann P2P Cap 4.00%
Ann P2P Monthly Avg with Spread 2.50
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 2.40%
20% 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
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%
Monthly Sum Cap 1.30%
2-Year Monthly Avg Cap 6.00%
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 3.00%
Monthly Sum Cap 1.50%
Performance Trigger Rate: 2.50%
Monthly Avg Cap 3.25%
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 7.00% if GLWB is selected
Fixed Account 1.00%
Annual P2P Cap 2.00%
Monthly Sum Cap 1.10%
Performance Trigger Rate: 1.75%
Monthly Avg Cap 2.00%
7.00% 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
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 4.75%
Annual P2P Bailout Cap 3.00%
S&P Risk Cntrl P2P Par Rate 55%
iShares US Real Est Cap 5.25%
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 60%
Ann P2P S&P Cap 5.00%
S&P US Retiree Index Par Rt 75%
Must purchase rider. 9% simple growth for 10 years (0.95), or 7% 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 - 9% simple for 10 yrs (1st 5 yrs bonus factor - 1.05% cost) - Stacked Income Option - 5% 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 70%
2-Yr Goldman Sachs Mom Bldr Par Rate 95%
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 2.00%
Fixed Account $100k+ 2.15%
Performance-Triggered Rate 3.30%
Performance-Triggered Rate $100k+ 3.50%
S&P Ann P2P with Cap 3.65%
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%   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 1.85%
Fixed Account $250k+ 2.00%
S&P Annual Cap 4.20%
S&P Annual Cap $250k+ 4.50%
S&P Monthly Sum Cap 1.65%
S&P Mo Sum Cap $250k+ 1.75%
S&P IPT Declared Rate 3.65%
S&P IPT Declared Rate $250k+ 3.90%
S&P Mo Avg Par Rate (no cap) 55%
S&P Mo Avg Par Rate $250k+ 60%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.60
S&P LV-DR Cntrl Sprd 5% $250k+ 2.25
S&P LV-DR Cntrl 2-yr Sprd 8% 3.40
S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.00
DIJA Annual Cap 3.10%
DIJA Annual Cap $250k+ 3.40%
DIJA Mo Avg Par Rate (no cap) 55%
DIJA Mo Avg Par Rate $250k+ 60%
S&P Midcap 400 Annual Cap 3.00%
S&P Midcap 400 Ann Cap 250k+ 3.25%
S&P Midcap 400 Par Rate 45%
S&P Midcap 400 Par Rate 250k+ 50%
Nasdaq 100 Annual Cap 3.00%
Nasdaq 100 Ann Cap $250k+ 3.30%
Nasdaq 100 Monthly Sum Cap 1.50%
Nasdaq 100 Mo Sum Cap $250k+ 1.60%
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+ 1.85%
S&P Annual Cap 3.75%
S&P Annual Cap $250k+ 4.00%
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 30%
S&P Ann P2P with Par Rate $250k+ 30%
S&P Low Vol Ann P2P Threshold Par Strgy 50% Par - 8% Threshold - 120% Enhance
S&P Low Vol Ann P2P Thresh Par Strgy $250k+ 50% Par - 7% Thresh - 135% Ehhancement
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 2.25%
S&P Annual Cap 5.00%
S&P Monthly Sum Cap 2.15%
S&P Mo Avg Par Rate (no cap) 70%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.75
DIJA Mo Avg Par Rate (no cap) 75%
Nasdaq 100 Monthly Sum Cap 1.65%
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