AnnuityAdvisors - Where advisors go for advice
Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
American National
Citadel 5 Diamond Series

Forms
3.50% (3.40% under $100k) includes 1% bonus 2.50% (2.40% 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
4.60% (4.50% under $100k) includes 2% bonus 2.60% gteed year 2 (2.50% 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
4.85% (includes 2% bonus) 2.85%. 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
4.70% (includes 2% bonus) 2.70%. 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
American Equity
RateShield 7

Forms
1st year rate Non-MVA 1.80% - 1st year rate MVA 1.95% 1% minimum guarantee. Income Rider Option - 8.50% simple interest roll-up for 20 years (1.00% fee) 80 10% starting year 2 7 years
9.2,9.2,8.2,7.2,6.2,5.2,4.1,0
5.00% 18-75
3.75% 76-80
North American
FoundationChoice Plus 7

Forms
1st year rate 1.75% - 1st year rate $200k+ 2.05% 0.25% min guarantee - Income Rider 5.00% roll-up for 10 years - Option 1 no charge - Option 2 adds 0.50% to income w/drawal percentage for 0.50% cost 85 10% after 1st year 7 years
9,8,7,5,3,2,1,0
4.50% 40-75
3.37% 76-79
2.25% 80-85
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
Company
Plan
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawls Surrender Term Commission*
American Equity
RateShield 10

Forms
1st year rate Non-MVA 1.95% - 1st year rate MVA 2.15% 1% minimum guarantee. Income Rider Option - 8.50% simple interest roll-up for 20 years (1.00% fee) 80 10% starting year 2 10 years
9.2,9.2,8.2,7.2,6.2,5.2,4.1,3.1,2.1,1,0
5.50% 18-75
4.10% 81-85
American Equity
RateShield 10 Plus

Forms
1st year rate Non-MVA 1.45% - 1st year rate MVA 1.65% 5% Premium Bonus on AV & BB - 1% minimum guarantee. Income Rider Option - 8.50% simple interest roll-up for 20 years (1.00% fee) 80 10% starting year 2 10 Years
9.1,9.1,8.5,7.5,6.5,5.5,4.5,3.4,2.3,1.1,0
5.50% 18-75
4.10% 76-80
North American
FoundationChoice Plus 10

Forms
1st year rate 1.90% - 1st year rate $200k+ 2.25% 0.25% min guarantee - Income Rider 5.00% roll-up for 10 years - Option 1 no charge - Option 2 adds 0.50% to income w/drawal percentage for 0.50% cost 79 10% after 1st year 10 Years
9, 8.5,7.5,6.5,5.5,4.5,3.5,3,2,1,0
5.50% 0-75
4.12% 76-79