AnnuityAdvisors - Where advisors go for advice

Commision

 StartEnd
4.00 %075
2.25 %7685
  • 1st Year Rate: 3.15 %  (2.50% $10k-$49k; 2.80% $50k-$99k; 3.15% $100k-$249k; 3.25% for $250k+)
  • Rate Thereafter: 2.65 %  (2.00% $10k-$49k; 2.30% $50k-$99k; 2.65% $100k-$249k; 2.75% for $250k+)
  • Avg. Annual Yield: 2.72 %  (2.07% $10k-$49k; 2.37% $50k-$99k; 2.72% $100k-$249k; 2.82% 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: 8 %, 8 %, 7 %, 7 %, 6 %, 5 %, 4 %, 0 %
  • Action at end of guarantee
    • 30-day window at end of term
  • Market Value Adjustment: Y
  • 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: $37,859,874
  • Total Liabilities: $35,733,308
  • Seperate Accounts: $5,658,380
  • Total Surplus and AVR: $2,360,241
  • As % of General Account Assets: 7.30 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $31,528,432
  • Bonds: 78.90 %
  • Stocks: 1.10 %
  • Mortgages: 18.00 %
  • Real Estate: 0.00 %
  • Policy Loans: 0.20 %
  • Cash & Short-Term: 0.70 %
  • Other Invested Assets: 1.10 %

Net Yield on Mean Invested Assets

  • 2018 (Industry Average 4.10): 4.14 %
  • 5 Year Average (Industry Average 3.99%): 4.44 %

Non Performing Assets as % of Surplus & AVR

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

Bond Quality

  • Total Value of Bonds: $24,873,250
  • Class 1-2 (Highest Quality): 96.50 %
  • Class 3-5 (Lower Quality): 3.50 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 1.6

Income & Earnings

  • Total Income: $5,370,564
  • Net Premiums Written: $268,702
  • Earnings Before Dividends and Taxes: ($127,865)
  • Net Operating Earnings: ($115,512)
All dollar amounts are in thousands