Updated 11/14/11 [Printable Format]
DEFERRED ANNUITIES
PRODUCT 1ST YEAR THEREAFTER LOCK MIN SURRENDER AGE
Allianz AM Best=A S&P=AA
Dominator Plus 5 Year 1.50% 1.50% 5 yrs 1.50% 9,8.1,7.2,6.3,5.4,4.5,3.6,2.7,1.8,0.9,0 85
Dominator Plus 10 Year 2.15% 2.15% 10 yrs 1.50% 9,8.1,7.2,6.3,5.4,4.5,3.6,2.7,1.8,0.9,0 85
American General
AG Horizon MYG 5.35% 1.35% 10 yrs 2.00% 10-9-8-7-6-5-4-3-2-1-0 85
Ag Horizon Select 5 1.70% 1.70% 6 yrs 1.00% 10,9,8,7,6,5,0 85
AG Horizon Flex 3.60% 1.60% 9 yrs 2.00% 8-8-8-7-6-5-3-1-0 85
AG Horizon Select 7 2.20% 2.20% 7 yrs 1.00% 10,9,8,7,6,5,4,0 85
AG Horizon Select 10 2.40% 2.40% 10 yrs 1.00% 10,9,8,7,6,5,4,3,2,1,0 85
American National AM Best=A S&P=AA
Palladium MYG- 3 Year 0.00% 0.00% 3 yrs 0.00% 8-8-8 [window] 7-6-5-4-3-2-1* 85
Palladium MYG - 4 Year 0.00% 0.00% 4 yrs 0.00% 8-8-8-7 [window] 6-5-4-3-2-1* 85
Palladium MYG - 5 Year 2.00% 1.00% 5 yrs 1.50% 8-8-8-7-6 [window] 5-4-3-2-1* 85
Palladium MYG - 6 Year 1.70% 1.70% 6 yrs 1.50% 8-8-8-7-6-5 [window] 4-3-2-1* 85
Palladium MYG - 7 Year 2.85% 1.85% 7 yrs 1.50% 8-8-8-7-6-5-4 [window] 3-2-1* 85
Palladium MYG - 8 Year 2.55% 2.55% 8 yrs 1.50% 8-8-8-7-6-5-4-3 [window] 2-1* 85
Palladium MYG - 9 Year 4.20% 2.20% 9 yrs 1.50% 8-8-8-7-6-5-4-3-2 [window] 1* 85
Palladium MYG - 10 Year 3.45% 2.45% 10 yrs 1.50% 8-8-8-7-6-5-4-3-2-1 85
Assurity Life AM Best=A-
Encore Bonus Annuity 1.55% 0.00% 2 yrs 1.50% 9-8-7-6-5-4-3-2 90
Secure 3 (NQ ONLY) 1.50% 1.50% 3 yrs 1.50% 7-7-7 90
Secure 5 (NQ ONLY) 1.50% 1.50% 5 yrs 1.50% 7-7-7-6-5 90
Secure 7 (NQ ONLY) 1.50% 1.50% 7 yrs 1.50% 7-7-7-6-5-5-5 90
AVIVA AM Best=A
Spirit Bonus 4.00% 1.00% 10 yrs 1.00% 12,12,12,11,10,9,8,7,6,4,0 78
Genworth A.M Best = A
Secure Living Rate Saver 5-year 1.60% 1.60% 5 yrs 1.10% 9-8-7-6-5-window 85
Secure Living Rate Saver 7-year 2.25% 2.25% 7 yrs 1.10% 9-8-7-6-5-4-3-window 85
ING USA Annuity AM Best=A, S&P=A+
Guarantee Choice 7 year 1.50% 1.50% 7 yrs 1.50% 9-8-7-6-5-4-3-[window]-2-1 80
Guarantee Choice 10 year 2.25% 2.25% 10 yrs 1.50% 9-8-7-6-5-4-3-2-1-0 80
Lincoln FInancial
MYG Guarantee Plus 3 0.00% 0.00% 3 yrs 0.00% 7-7-6 85
MYG Guarantee Plus 4 0.00% 0.00% 4 yrs 0.00% 7-7-6-5 85
MYG Guarantee Plus 5 1.45% 1.45% 5 yrs 1.35% 7-7-6-5-4 85
MYG Guarantee Plus 6 1.75% 1.75% 6 yrs 1.35% 7-7-6-5-4-3 85
MYG Guarantee Plus 7 2.15% 2.15% 7 yrs 1.35% 7-7-6-5-4-3-2 85
MYG Guarantee Plus 8 2.20% 2.20% 8 yrs 1.35% 7-7-6-5-4-3-2-0 85
MYG Guarantee Plus 9 2.30% 2.30% 9 yrs 1.35% 7-7-6-5-4-3-2-0-0 85
MYG Guarantee Plus 10 2.30% 2.30% 10 yrs 1.35% 7-7-6-5-4-3-2-0-0-0 85
North American AM Best (A)
Guarantee Choice 3 (High Band) 1.00% 1.00% 3 yrs 1.00% 10-10-10 90
Guarantee Choice 4 (Low Band) 1.00% 1.00% 4 yrs 1.00% 10-10-10-10 90
Guarantee Choice 5 (Low Band) 1.00% 1.00% 5 yrs 1.00% 10-10-10-10-10 90
Guarantee Choice 6 (Low Band) 1.10% 1.10% 6 yrs 1.10% 10-10-10-10-10-10 90
Guarantee Choice 7 (Low Band) 1.25% 1.25% 7 yrs 1.25% 10-10-10-10-10-10-10 90
Guarantee Choice 8 (Low Band) 1.45% 1.45% 8 yrs 1.45% 10-10-10-10-10-10-10-10 90
Guarantee Choice 9 (Low Band) 1.60% 1.60% 9 yrs 1.60% 10-10-10-10-10-10-10-10-10 90
Guarantee Choice 4 (High Band) 1.00% 1.00% 4 yrs 1.00% 10-10-10-10 90
Guarantee Choice 5 (High Band) 1.15% 1.15% 5 yrs 1.15% 10-10-10-10-10 90
Guarantee Choice 6 (High Band) 1.30% 1.30% 6 yrs 1.30% 10-10-10-10-10-10 90
Guarantee choice 7 (High Band) 1.45% 1.45% 7 yrs 1.45% 10-10-10-10-10-10-10 90
Guarantee Choice 8 (High Band) 1.65% 1.65% 8 yrs 1.65% 10-10-10-10-10-10-10-10 90
Guarantee Choice 9 (Low Band) 1.60% 1.60% 9 yrs 1.60% 10-10-10-10-10-10-10-10-10 90
Guarantee Choice 9 (High Band) 1.80% 1.80% 9 yrs 1.80% 10-10-10-10-10-10-10-10-10 90
Guarantee Choice 10 (Low Band) 1.75% 1.75% 10 yrs 1.75% 10-10-10-10-10-10-10-10-10-10 90
Guarantee Choice 10 (High Band) 1.90% 1.90% 10 yrs 1.90% 10-10-10-10-10-10-10-10-10-10 90
Old Mutual Financial Network AM Best=B++
OM Guarantee Plus 3 2.25% 1.25% 3 yrs 1.00% 9-8-7 90
OM Guarantee Plus 5 3.20% 2.20% 5 yrs 1.50% 9-8-7-6-5 90
OM Guarantee Plus 7 3.40% 2.40% 7 yrs 1.50% 9-8-7-6-5-4-3 90
One America AM Best= A
Annuity Care 3.00% 3.00% 5 yrs 2.00% 8-8-8-7-6-5-4-3-2-1 85
Annuity Care 2 3.10% 3.10% 9 yrs 0.00% 9%,8%,7%,6%,5%,4%,3%,2%,1%,0% 80
Presidential Life AM Best=B+, S&P=BB+
Secure 4 1.85% 1.85% 4 yrs 1.00% 7-6-6-5 90
Secure 5 2.05% 2.05% 5 yrs 1.00% 7-7-6-6-4 90
Secure 6 1.95% 1.95% 6 yrs 1.00% 7-7-7-6-5-4 90
Sentinel Security Life AM Best (B++)
Personal Choice Annuity 5 3.75% 3.75% 5 yrs 1.00% 9-8-7-6-5 90
Personal Choice Annuity 7 3.85% 3.85% 7 yrs 1.00% 9-8-7-6-5-5-5 90
Personal Choice Annuity 10 4.15% 4.15% 10 yrs 1.00% 9-8-7-6-5-5-5-5-5-5 90
United of Omaha AM Best=A+ S&P=AA+
Ultra Secure Plus 5 2.00% 1.00% 0 yrs 1.50% 6-6-6-6-5-0 89
Ultra Secure Plus 7 2.65% 1.65% 7 yrs 1.50% 6-6-6-6-5-4-3-0 89
Bonus Flexible Annuity 2.25% 1.25% 8 yrs 1.50% 8-8-7-6-5-4-3-2 89
INDEXED ANNUITIES
PRODUCT PARTICI-
PATION		 CR METHOD / CAP LOCK BONUS FREE WITHDRAWAL AGE
Allianz AM Best=A S&P=AA
MasterDex Plus 100% Mo PTP, Ann PTP or Mo Ave w/spread 7 yrs N/A 10% of premium submitted 80
MasterDex 5 Plus 100% Mo PTP, Ann PTP or Mo Ave w/spread 5x5 or 5x10 yrs 5% 10% of premium submitted 80
MasterDex 10 Plus 100% Mo PTP, Ann PTP or Mo Ave w/spread 5 x 10 yrs 10% 10% of premium submitted 80
MasterDex X 100% Mo PTP, Ann PTP or Mo Ave w/spread 10 yrs 6% 10% of premium submitted 80
Endurance Elite 100% - 105% EWB Mo PTP, Ann PTP or Mo Ave w/spread 5 yrs 10% EWB 10% of premium submitted 80
Endurance Plus 100% - 105% EWB Mo PTP, Ann PTP or Mo Ave w/spread 10 yrs 20% EWB 10% of premium submitted 80
Pro V1 100% Ann PTP 1x5 or 1x10 yrs N/A 10% of Premium Immediately 85
Lincoln Benefit Life AM Best=A+ S&P=AA+
Saver's Index Annuity Premier 100% PTP 2.25 10 yrs N/A 10% Year 2 75
Saver's Index Annuity III 60% - 100% PTP 3..25%
PTP 3.00%		 10 yrs N/A 10% Year 2 75
North American AM Best=A+, S&P=A+
North American Ten 100% Mo PTP, Ann PTP or Mo Ave w/spread 10 yrs 7% 10% of Accumulation Value each year after first YR 79
SINGLE PREMIUM IMMEDIATE ANNUITIES
PRODUCT MAX AGE DETAILS
Allianz   AM Best+A S&P=AA
Immediate Elite Annuity 100 Several payout options available and no chargebacks for death
InCommandDex 80 Fixed annuity that combines potential indexed growth before and during the income stream.
North American   AM Best=A+, S&P=A+
North American Income 95 Single Premium immediate annuity that protects your clinets principal while providing them with a competitive income in order to maximize their benefits and achieve their retirement goals.
United of Omaha   AM Best=A+ S&P=AA+
Income Access 85 50% increase for Nursing Home. 20% for certain other medical conditions. 3% inflation protection. Returns premium at death or for terminal illness.
West Coast Life   AM Best=A+
Income Advantage Plus 99 Single premium immediate annuity (SPIA). Offers renewal protection, return of premium guarantee and offers 15% free withdrawals allowed each contract year.