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Commision

 StartEnd
2.00 %075
1.80 %7680
1.10 %8183
  • 1st Year Rate: 2.45 %  (2.30% under $100k (2.40%-2.25% in AK,CA,CT,DE,HI,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT,WA)
  • Rate Thereafter: 2.45 %  (2.30% under $100k (2.40%-2.25% in AK,CA,CT,DE,HI,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT,WA)
  • Avg. Annual Yield: 2.45 %  (2.30% under $100k (2.40%-2.25% in AK,CA,CT,DE,HI,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT,WA)
  • Minimum Premium: $5,000
  • Flexible/Single Premium: F
  • Minimum Additions: $1,000
  • Max Issue Age Qualified: 83
  • Max Issue Age Non-Qualified: 83
  • Surrender Schedule: 10 %, 10 %, 10 %, 10 %, 10 %, 0 %  (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: $47,984,664
  • Total Liabilities: $46,871,325
  • Seperate Accounts: $40,722
  • Total Surplus and AVR: $1,587,284
  • As % of General Account Assets: 3.30 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $45,426,259
  • Bonds: 81.00 %
  • Stocks: 1.00 %
  • Mortgages: 9.60 %
  • Real Estate: 0.00 %
  • Policy Loans: 0.50 %
  • Cash & Short-Term: 3.80 %
  • Other Invested Assets: 4.10 %

Net Yield on Mean Invested Assets

  • 2016 (Industry Average 4.01): 4.42 %
  • 5 Year Average (Industry Average 4.1%): 6.23 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 0.60 %
  • Problem Mortgages: 1.40 %
  • Real Estate Acquired by Foreclosure: 0.00 %
  • Total Non-Performing Assets: 1.90 %
  • As a Percent of Invested Assets: 0.10 %

Bond Quality

  • Total Value of Bonds: $38,526,987
  • Class 1-2 (Highest Quality): 93.90 %
  • Class 3-5 (Lower Quality): 6.10 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 0.015

Income & Earnings

  • Total Income: $4,531,213
  • Net Premiums Written: $1,130,998
  • Earnings Before Dividends and Taxes: $48,257
  • Net Operating Earnings: $150,099
All dollar amounts are in thousands