AnnuityAdvisors - Where advisors go for advice

Commision

 StartEnd
3.00 %080
2.25 %8190
  • 1st Year Rate: 2.75 %
  • Rate Thereafter: 2.75 %
  • Avg. Annual Yield: 2.75 %
  • Minimum Premium: $10,000
  • Flexible/Single Premium: S
  • Minimum Additions: $0
  • Max Issue Age Qualified: 90
  • Max Issue Age Non-Qualified: 90
  • Surrender Schedule: 10 %, 10 %, 9 %, 9 %, 8 %, 8 %, 0 %
  • Action at end of guarantee
    • 30-day window PRIOR to end of term
  • Market Value Adjustment: Y
  • Return of Principal Guarantee: N
  • Waiver options
    • Nursing Home (Available through issue-age 80)
  • Free Withdrawls
    • Interest Only
  • Annual Fees: $0.00
  • States NOT approved: IN,MN,NY  (Variations in IN & MN)
  • Days held on Transfers: 60

Assets & Liabilities

  • Total Admitted Assets: $15,881,346
  • Total Liabilities: $15,062,373
  • Seperate Accounts: $607,011
  • Total Surplus and AVR: $928,640
  • As % of General Account Assets: 6.10 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $14,158,318
  • Bonds: 62.30 %
  • Stocks: 2.00 %
  • Mortgages: 9.80 %
  • Real Estate: 0.10 %
  • Policy Loans: 2.00 %
  • Cash & Short-Term: 1.30 %
  • Other Invested Assets: 10.80 %

Net Yield on Mean Invested Assets

  • 2015 (Industry Average 4.04): 4.45 %
  • 5 Year Average (Industry Average 4.31%): 5.46 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 0.20 %
  • Problem Mortgages: 0.00 %
  • Real Estate Acquired by Foreclosure: 1.30 %
  • Total Non-Performing Assets: 1.50 %
  • As a Percent of Invested Assets: 0.10 %

Bond Quality

  • Total Value of Bonds: $10,587,344
  • Class 1-2 (Highest Quality): 96.20 %
  • Class 3-5 (Lower Quality): 3.80 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 1.4

Income & Earnings

  • Total Income: $2,765,744
  • Net Premiums Written: $2,099,075
  • Earnings Before Dividends and Taxes: $194,315
  • Net Operating Earnings: $168,675
All dollar amounts are in thousands