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Commision

 StartEnd
1.30 %075
0.90 %7680
0.40 %8185
  • 1st Year Rate: 1.60 %  (1.45% under $100k)
  • Rate Thereafter: 1.60 %  (1.45% under $100k )
  • Avg. Annual Yield: 1.60 %  (1.45% under $100k )
  • Minimum Premium: $5,000
  • Flexible/Single Premium: F
  • Minimum Additions: $1,000
  • Max Issue Age Qualified: 85
  • Max Issue Age Non-Qualified: 85
  • Surrender Schedule: 10 %, 10 %, 10 %  (Except in AK,CA,CT,DE,HI,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT,WA)
  • Action at end of guarantee
    • Annually declared renewal rate
  • Market Value Adjustment: Y  (except in CA)
  • Return of Principal Guarantee: N
  • Waiver options
    • Terminal Illness (except in CA)
    • Confinement Waiver (except in CA, MA)
  • Free Withdrawls
    • Interest Only
  • Annual Fees: $0.00
  • States NOT approved: NY
  • Days held on Transfers: 45

Assets & Liabilities

  • Total Admitted Assets: $44,053,155
  • Total Liabilities: $42,944,223
  • Seperate Accounts: $48,645
  • Total Surplus and AVR: $1,511,433
  • As % of General Account Assets: 3.40 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $42,231,313
  • Bonds: 80.60 %
  • Stocks: 1.00 %
  • Mortgages: 10.30 %
  • Real Estate: 0.00 %
  • Policy Loans: 0.50 %
  • Cash & Short-Term: 3.70 %
  • Other Invested Assets: 3.90 %

Net Yield on Mean Invested Assets

  • 2015 (Industry Average 4.04): 5.93 %
  • 5 Year Average (Industry Average 4.31%): 6.44 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 3.70 %
  • Problem Mortgages: 2.80 %
  • Real Estate Acquired by Foreclosure: 0.00 %
  • Total Non-Performing Assets: 6.40 %
  • As a Percent of Invested Assets: 0.20 %

Bond Quality

  • Total Value of Bonds: $35,578,351
  • Class 1-2 (Highest Quality): 95.50 %
  • Class 3-5 (Lower Quality): 4.30 %
  • Class 6 (In or Near Default): 0.20 %
  • Weighted Bond Class: 0.015

Income & Earnings

  • Total Income: $2,404,254
  • Net Premiums Written: $475,360
  • Earnings Before Dividends and Taxes: $487,414
  • Net Operating Earnings: $674,329
All dollar amounts are in thousands