A.M. Best: A
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Commision
| Start | End | |
|---|---|---|
| 2.00 % | 0 | 80 |
| 1.00 % | 81 | 85 |
| 0.77 % | 86 | 90 |
- 1st Year Rate: 2.70 % (2.60% under $100k)
- Rate Thereafter: 2.70 % (2.60% under $100k)
- Avg. Annual Yield: 2.70 % (2.60% under $100k)
- Minimum Premium: $15,000
- Flexible/Single Premium: S
- Minimum Additions: $0
- Max Issue Age Qualified: 90
- Max Issue Age Non-Qualified: 90
- Surrender Schedule: 8 %, 7 %, 6 %, 5 %, 4 %, 3 %, 2 %, 0 %
- Action at end of guarantee
- Declared Rate (No window)
- Market Value Adjustment: Y
- Return of Principal Guarantee: N
- Waiver options
- Terminal Illness
- Nursing Home
- Free Withdrawls
- Interest Only
- Annual Fees: $0.00
- States NOT approved: NY
- Days held on Transfers: 45
Assets & Liabilities
- Total Admitted Assets: $21,792,139
- Total Liabilities: $20,751,768
- Seperate Accounts: $7,111,499
- Total Surplus and AVR: $1,152,362
- As % of General Account Assets: 7.80 %
Invested Asset Distributed & Yield
- Total Invested Assets: $14,054,705
- Bonds: 55.90 %
- Stocks: 0.20 %
- Mortgages: 40.70 %
- Real Estate: 0.30 %
- Policy Loans: 0.00 %
- Cash & Short-Term: 0.60 %
- Other Invested Assets: 2.30 %
Net Yield on Mean Invested Assets
- 2016 (Industry Average 4.01): 3.92 %
- 5 Year Average (Industry Average 4.1%): 4.43 %
Non Performing Assets as % of Surplus & AVR
- Bonds In or Near Default: 0.10 %
- Problem Mortgages: 0.10 %
- 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: $7,850,290
- Class 1-2 (Highest Quality): 93.00 %
- Class 3-5 (Lower Quality): 7.00 %
- Class 6 (In or Near Default): 0.00 %
- Weighted Bond Class: 1.5
Income & Earnings
- Total Income: $4,832,746
- Net Premiums Written: $4,075,796
- Earnings Before Dividends and Taxes: $182,156
- Net Operating Earnings: $172,868