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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
2.60% (2.50% under $100k) includes 1% bonus 1.60% (1.50% 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
Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
American National
Citadel 7 Diamond Series

Forms
3.70% (3.60% under $100k) includes 2% bonus 1.70% gteed year 2 (1.60% 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
4.05% (includes 2% bonus) 2.05%. 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
3.90% (includes 2% bonus) 1.90%. 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*
Global Atlantic
ForeCare (LTC Hybrid)

Forms
3.00% ($200k+) 2.75% ($35k - $199k) 3.00% - 2.75% 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