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Commision

 StartEnd
2.50 %080
1.88 %8185
1.25 %8690
  • 1st Year Rate: 2.60 %  (2.70% for $250k+)
  • Rate Thereafter: 2.60 %  (2.70% for $250k+)
  • Avg. Annual Yield: 2.60 %  (2.70% 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 %, 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: $13,716,199
  • Total Liabilities: $13,065,082
  • Seperate Accounts: $2,087,416
  • Total Surplus and AVR: $768,237
  • As % of General Account Assets: 6.60 %

Invested Asset Distributed & Yield

  • Total Invested Assets: $8,866,475
  • Bonds: 68.10 %
  • Stocks: 3.90 %
  • Mortgages: 3.20 %
  • Real Estate: 0.00 %
  • Policy Loans: 8.90 %
  • Cash & Short-Term: 7.70 %
  • Other Invested Assets: 8.30 %

Net Yield on Mean Invested Assets

  • 2016 (Industry Average 4.01): 6.16 %
  • 5 Year Average (Industry Average 4.1%): 6.11 %

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: $6,549,516
  • Class 1-2 (Highest Quality): 96.40 %
  • Class 3-5 (Lower Quality): 3.60 %
  • Class 6 (In or Near Default): 0.00 %
  • Weighted Bond Class: 1.6

Income & Earnings

  • Total Income: $1,523,534
  • Net Premiums Written: $957,807
  • Earnings Before Dividends and Taxes: $116,899
  • Net Operating Earnings: $207,597
All dollar amounts are in thousands