AnnuityAdvisors - Where advisors go for advice

Commision

 StartEnd
2.50 %075
1.50 %7685
1.00 %8690
  • 1st Year Rate: 2.25 %  (1.55% $25k-$49k; 1.90% $50k-$99k; 2.25% $100k-$249k; 2.25% for $250k+)
  • Rate Thereafter: 2.25 %  (1.55% $25k-$49k; 1.90% $50k-$99k; 2.25% $100k-$249k; 2.25% for $250k+)
  • Avg. Annual Yield: 2.25 %  (1.55% $25k-$49k; 1.90% $50k-$99k; 2.25% $100k-$249k; 2.25% for $250k+)
  • Minimum Premium: $10,000
  • Flexible/Single Premium: S
  • Minimum Additions: $0
  • Max Issue Age Qualified: 90
  • Max Issue Age Non-Qualified: 90
  • Surrender Schedule: 7 %, 7 %, 7 %, 6 %, 5 %, 0 %
  • Action at end of guarantee
    • 30-day window at end of term
  • Market Value Adjustment: N
  • Return of Principal Guarantee: N
  • Waiver options
    • Nursing Home
  • Free Withdrawls
    • 10% Starting in 1st Year
  • Annual Fees: $0.00
  • States NOT approved: NY
  • Days held on Transfers: 60

Assets & Liabilities

  • Total Admitted Assets: $31,806,856
  • Total Liabilities: $29,725,354
  • Seperate Accounts: $5,335,082
  • Total Surplus and AVR: $2,372,130
  • As % of General Account Assets: 9.00 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $25,867,093
  • Bonds: 77.70 %
  • Stocks: 3.30 %
  • Mortgages: 17.00 %
  • Real Estate: 0.00 %
  • Policy Loans: 0.20 %
  • Cash & Short-Term: 0.40 %
  • Other Invested Assets: 1.40 %

Net Yield on Mean Invested Assets

  • 2015 (Industry Average 4.04): 4.50 %
  • 5 Year Average (Industry Average 4.31%): 5.12 %

Non Performing Assets as % of Surplus & AVR

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

Bond Quality

  • Total Value of Bonds: $20,111,073
  • Class 1-2 (Highest Quality): 95.00 %
  • Class 3-5 (Lower Quality): 5.00 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 1.6

Income & Earnings

  • Total Income: $5,807,815
  • Net Premiums Written: $4,587,079
  • Earnings Before Dividends and Taxes: $205,688
  • Net Operating Earnings: $211,897
All dollar amounts are in thousands