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Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
American National
Citadel 5 Diamond Series

Forms
2.75% (2.65% under $100k) includes 1% bonus 1.75% (1.65% under $100k). Annual Renewal. 1st yr additions only. 1% enhancement for 12 mos. on all first year additions. Min Gtee 1.00% (most states) 85 10% of beginning-year value starting 1st year 5 years (No MVA)
7,7,7,6,5,0
Non-Rolling Charge. Return of Principal Guarantee
3.00% 0-80
2.00% 81-85
Reliance Standard
Eleos - MVA

Forms
3.55% (includes 1.50% bonus) 2.05%. Annually declared rate. 1.00% minimum guarantee. Published renewal history 85 10% starting 1st year. 5 Years (MVA)
8,7,6,5,4,0
($10k min prem)
3.25% 0-75
2.60% 76-80
1.95% 81-85
Reliance Standard
Eleos - SP

Forms
3.40% (includes 1.50% bonus) 1.90%. Annually declared rate. 1.00% minimum guarantee. Published renewal history. 85 10% starting 1st year. 5 Years (No MVA)
8,7,6,5,4,0
($10k min prem)
3.25% 0-75
2.60% 76-80
1.95% 81-85
Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
Sagicor
Sage Choice

Forms
2.50% 2.00% Bailout Rate 2.00% Minimum Guarantee 90 10% starting 1st year 6 Years (MVA)
7,7,7,6,5,3,0
3.00% 0-80
1.00% 81-90
Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
Great American
Secure American

Forms
1.65% Ann Value 1.65% Surr Value 2.67% effective 1st year yield. 1.65% base rate Annuitization bonus: 1% for each contract year (10% max) 89 10% starting 1st year. 7 Years - No MVA
9%,8,7,6,5,4,3,0
1% annuitization bonus every year held in accumulation
5.75% 0-70
4.65% 71-80
4.40% 81-88
American National
Citadel 7 Diamond Series

Forms
3.85% (3.75% under $100k) includes 2% bonus 1.85% gteed year 2 (1.75% under $100k). Annual Renewal. 2% enhancement for 12 months on 1st 3 years of additions. Min Gtee 1.00% (most states) 85 10% of beginning-year value (including 1st year) 7 years (No MVA)
7,7,7,6,5,4,2,0
Non-Rolling Charge. Return of Principal Guarantee
3.50% 0-80
2.50% 81-85
Reliance Standard
Apollo MVA

Forms
4.45% (includes 2% bonus) 2.45%. Annually declared rate. 1.00% minimum guarantee. Published renewal history 85 10% starting 1st year. Up to 30% cumulative. 7 years (MVA)
9,9,7,6,5,4,2,0
4.00% 0-75
3.20% 76-80
2.40% 81-85
Reliance Standard
Apollo SP

Forms
4.30% (includes 2% bonus) 2.30%. Annually declared rate. 1.00% minimum guarantee. Published renewal history 85 10% starting 1st year. Up to 30% cumulative. 7 years (no MVA)
9,8,7,6,5,4,2,0
4.00% 0-75
3.20% 76-80
2.40% 81-85
Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
Forethought Life
ForeCare (LTC Hybrid)

Forms
2.50% ($200k+) 2.25% ($35k - $199k) 2.50% - 2.25% Floating rate. Simplified underwriting. 2X or 3X account value for LTC payout. LTC certification required. 80 10% starting 1st year.
NQ funds only
9 years (MVA)
8,8,7,6,5,4,3,2,1,0
6.00% 0-75
3.00% 76-80