AnnuityAdvisors - Where advisors go for advice

Commision

 StartEnd
2.50 %080
1.87 %8185
1.25 %8690
  • 1st Year Rate: 2.85 %  (2.65% under $200k)
  • Rate Thereafter: 2.85 %  (2.65% under $200k)
  • Avg. Annual Yield: 2.85 %  (2.65% under $200k)
  • Minimum Premium: $10,000  ($2k Qualified)
  • Flexible/Single Premium: S
  • Minimum Additions: $0
  • Max Issue Age Qualified: 90
  • Max Issue Age Non-Qualified: 90
  • Surrender Schedule: 9 %, 8 %, 8 %, 7 %, 6 %, 5 %, 4 %, 3 %
  • 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
    • Interest Only
  • Annual Fees: $0.00
  • States NOT approved: CA,CT,DE,NY
  • Days held on Transfers: 45

Assets & Liabilities

  • Total Admitted Assets: $18,900,165
  • Total Liabilities: $17,770,865
  • Seperate Accounts: $0
  • Total Surplus and AVR: $1,246,520
  • As % of General Account Assets: 6.60 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $18,584,643
  • Bonds: 81.80 %
  • Stocks: 1.00 %
  • Mortgages: 11.20 %
  • Real Estate: 0.00 %
  • Policy Loans: 0.40 %
  • Cash & Short-Term: 2.30 %
  • Other Invested Assets: 3.30 %

Net Yield on Mean Invested Assets

  • 2015 (Industry Average 4.04): 4.54 %
  • 5 Year Average (Industry Average 4.31%): 6.74 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 5.90 %
  • Problem Mortgages: 0.00 %
  • Real Estate Acquired by Foreclosure: 0.00 %
  • Total Non-Performing Assets: 5.90 %
  • As a Percent of Invested Assets: 0.40 %

Bond Quality

  • Total Value of Bonds: $15,560,496
  • Class 1-2 (Highest Quality): 94.10 %
  • Class 3-5 (Lower Quality): 5.40 %
  • Class 6 (In or Near Default): 0.50 %
  • Weighted Bond Class: 1.4

Income & Earnings

  • Total Income: $3,302,390
  • Net Premiums Written: $2,317,217
  • Earnings Before Dividends and Taxes: $47,688
  • Net Operating Earnings: $22,033
All dollar amounts are in thousands