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Commision

 StartEnd
2.75 %080
2.00 %8190
  • 1st Year Rate: 3.50 %  (3.40% in FL,CA; 3.00% in MN)
  • Rate Thereafter: 3.50 %  (3.40% in FL,CA; 3.00% in MN)
  • Avg. Annual Yield: 3.50 %  (3.40% in FL,CA; 3.00% in MN)
  • Minimum Premium: $2,500
  • Flexible/Single Premium: S
  • Minimum Additions: $0
  • Max Issue Age Qualified: 90
  • Max Issue Age Non-Qualified: 90
  • Surrender Schedule: 9 %, 8 %, 7 %, 6 %, 5 %, 5 %, 5 %, 5 %, 5 %, 5 %, 0 %
  • Action at end of guarantee
    • Rollover (30 day window PRIOR to end of term)
  • Market Value Adjustment: Y
  • Return of Principal Guarantee: N
  • Waiver options
    • Riders available at additional cost
  • Free Withdrawls
    • Must be purchased as rider
  • Annual Fees: $0.00
  • States NOT approved: AK,AL,AR,CT,DC,DE,GA,IN,KY,LA,MA,MD,ME,MI,MO,MS,NH,NJ,NY,OH,RI,SC,TN,VA,VT,WA,WI,WV  (Variations in CA,FL,MN)
  • Days held on Transfers: 45

Assets & Liabilities

  • Total Admitted Assets: $617,141
  • Total Liabilities: $576,989
  • Seperate Accounts: $0
  • Total Surplus and AVR: $44,361
  • As % of General Account Assets: 7.20 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $602,248
  • Bonds: 76.80 %
  • Stocks: 1.30 %
  • Mortgages: 6.80 %
  • Real Estate: 1.00 %
  • Policy Loans: 0.20 %
  • Cash & Short-Term: 13.90 %
  • Other Invested Assets: 0.00 %

Net Yield on Mean Invested Assets

  • 2016 (Industry Average 4.01): 1.89 %
  • 5 Year Average (Industry Average 4.1%): 1.80 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 0.00 %
  • Problem Mortgages: 1.60 %
  • Real Estate Acquired by Foreclosure: 2.90 %
  • Total Non-Performing Assets: 4.50 %
  • As a Percent of Invested Assets: 0.30 %

Bond Quality

  • Total Value of Bonds: $539,540
  • Class 1-2 (Highest Quality): 95.10 %
  • Class 3-5 (Lower Quality): 4.90 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 1.4

Income & Earnings

  • Total Income: $59,424
  • Net Premiums Written: $21,236
  • Earnings Before Dividends and Taxes: $2,679
  • Net Operating Earnings: $2,393
All dollar amounts are in thousands