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Commision

 StartEnd
3.00 %080
2.25 %8185
1.50 %8690
  • 1st Year Rate: 3.10 %  (3.20% for $250k+)
  • Rate Thereafter: 3.10 %  (3.20% for $250k+)
  • Avg. Annual Yield: 3.10 %  (3.20% 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: 7 %, 6 %, 5 %, 4 %, 3 %, 2 %, 1 %, 1 %, 1 %, 1 %, 0 %
  • Action at end of guarantee
    • Rollover (30 day window PRIOR to end of term)
  • Market Value Adjustment: Y  (Not in DE,MO,OR,PA,WA)
  • Return of Principal Guarantee: N
  • Waiver options
    • Terminal Illness
    • Nursing Home
  • Free Withdrawls
    • Interest-only year 1; 10% starting year 2
  • Annual Fees: $0.00
  • States NOT approved: NJ,NY
  • Days held on Transfers: 45

Assets & Liabilities

  • Total Admitted Assets: $13,397,732
  • Total Liabilities: $12,735,066
  • Seperate Accounts: $1,561,592
  • Total Surplus and AVR: $772,308
  • As % of General Account Assets: 6.50 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $8,975,481
  • Bonds: 62.90 %
  • Stocks: 4.50 %
  • Mortgages: 4.00 %
  • Real Estate: 0.00 %
  • Policy Loans: 6.10 %
  • Cash & Short-Term: 12.90 %
  • Other Invested Assets: 9.50 %

Net Yield on Mean Invested Assets

  • 2015 (Industry Average 4.04): 5.76 %
  • 5 Year Average (Industry Average 4.31%): 5.93 %

Non Performing Assets as % of Surplus & AVR

  • Bonds In or Near Default: 0.20 %
  • Problem Mortgages: 0.00 %
  • 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: $6,388,861
  • Class 1-2 (Highest Quality): 95.40 %
  • Class 3-5 (Lower Quality): 4.50 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 1.5

Income & Earnings

  • Total Income: $1,452,179
  • Net Premiums Written: $1,162,603
  • Earnings Before Dividends and Taxes: $106,013
  • Net Operating Earnings: $118,710
All dollar amounts are in thousands