AnnuityAdvisors - Where advisors go for advice

Commision

 StartEnd
2.50 %075
2.00 %7685
1.70 %8689
  • 1st Year Rate: 2.50 %
  • Rate Thereafter: 1.50 %
  • Avg. Annual Yield: 1.70 %
  • Minimum Premium: $20,000
  • Flexible/Single Premium: S
  • Minimum Additions: $0
  • Max Issue Age Qualified: 89
  • Max Issue Age Non-Qualified: 89
  • Surrender Schedule: 8 %, 8 %, 7 %, 7 %, 6 %, 0 %  (Different in NY)
  • Action at end of guarantee
    • 30-day window at end of term
  • Market Value Adjustment: Y
  • Return of Principal Guarantee: N
  • Waiver options
    • Hospital
    • Nursing Home
  • Free Withdrawls
    • 10% Starting in 1st Year
  • Annual Fees: $0.00
  • States NOT approved: All States
  • Days held on Transfers: 30

Assets & Liabilities

  • Total Admitted Assets: $6,844,346
  • Total Liabilities: $6,165,784
  • Seperate Accounts: $2,480,289
  • Total Surplus and AVR: $758,069
  • As % of General Account Assets: 17.40 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $4,284,450
  • Bonds: 74.00 %
  • Stocks: 12.70 %
  • Mortgages: 4.40 %
  • Real Estate: 0.00 %
  • Policy Loans: 2.60 %
  • Cash & Short-Term: 2.60 %
  • Other Invested Assets: 3.70 %

Net Yield on Mean Invested Assets

  • 2015 (Industry Average 4.04): 5.21 %
  • 5 Year Average (Industry Average 4.31%): 4.68 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 0.50 %
  • Problem Mortgages: 0.00 %
  • Real Estate Acquired by Foreclosure: 0.00 %
  • Total Non-Performing Assets: 0.50 %
  • As a Percent of Invested Assets: 0.10 %

Bond Quality

  • Total Value of Bonds: $3,262,595
  • Class 1-2 (Highest Quality): 92.70 %
  • Class 3-5 (Lower Quality): 7.20 %
  • Class 6 (In or Near Default): 0.10 %
  • Weighted Bond Class: 1.5

Income & Earnings

  • Total Income: $1,246,491
  • Net Premiums Written: $1,101,228
  • Earnings Before Dividends and Taxes: $87,693
  • Net Operating Earnings: $75,399
All dollar amounts are in thousands