|
Company |
Plan &
Term |
Account Options |
Min. Policy Guarantee |
Free Withdrawls |
Commission |
ING-USA
forms
Agent Guide
|
Envoy 3
3
Years
Flex-Non Rolling
|
Fixed Account 3.20%
Annual P2P Cap <$75k 7.50%
Annual P2P Cap $75k+ 8.00%
|
1.00%
on
100%
(105%) |
10% Starting in 1st Year
|
1.00% 0-80
0.75% trail |
OMFN
forms
Agent Guide
|
Safety Index 4
4
Years
Flex-Non Rolling
|
Fixed Account 3.10%
Fixed Account ($100k+) 3.40%
P2P Cap 4.00%
P2P Cap ($100k+) 5.00%
Mo Avg Cap 4.00%
Mo Avg Cap ($100k+) 5.50%
Mo P2P Cap <$100k 1.00%
Mo P2P Cap ($100k+) 1.25%
Mo Avg Spread 9.00%
Mo Avg Spread ($100k+) 8.50%
|
3.00%
on
100%
(112.5%) |
10% after 1st year
|
3.00% 0-79
1.50% 80-90 |
Standard Insurance
forms
Agent Guide
|
IGA 5
5
Years
Single Premium
|
Fixed Account 3.00%
Annual P2P Cap <$100k 5.85%
Annual P2P Cap 100k+ 6.60%
P2P w/ ROP Rider <$100k 5.45%
P2P w/ ROP Rider $100k+ 6.20%
Bailout Cap 2% less than initial
|
1.00%
on
100%
(106%) |
10% Starting in 1st Year
|
4.50% 0-80
2.25% 81-85
1.85% 86-90 |
Lincoln Financial
forms
Agent Guide
|
OptiChoice 5
5
Years
Flex-Non Rolling
|
Fixed Account 3.45%
Fixed Account ($100k+) 3.60%
Annual P2P Cap <$100k 7.05%
Annual P2P Cap 100k+ 7.35%
Mo P2P Cap <$100k 3.05%
Mo P2P Cap ($100k+) 3.15%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
|
1.25%
on
100%
(106.4%) |
10% Starting in 1st Year
|
5.00% 0-75
3.75% 76-80
2.50% 81-85 |
Lafayette Life
forms
Agent Guide
|
Marquis Advant-Edge
5
Years
Flex-Non Rolling
|
Fixed Account 3.75%
Annual P2P Cap 6.00%
|
2.00%
on
100%
(110.4%) |
10% after 1st year
|
4.50% 0-69
3.50% 70-85 |
ING-USA
forms
Agent Guide
|
Secure Index 5
5
Years
Flex-Non Rolling
|
Fixed Account 3.75%
Annual P2P Cap <$75k 7.50%
Annual P2P Cap $75k+ 8.00%
Monthly P2P Cap <$75k 2.50%
Monthly P2P Cap $75k+ 2.80%
|
1.50%
on
100%
(107.7%) |
10% after 1st year
|
4.00% 0-80 |
ING-USA
forms
Agent Guide
|
Envoy 6
6
Years
Flex-Non Rolling
|
Fixed Account 3.85%
Annual P2P Cap <$75k 8.00%
Annual P2P Cap $75k+ 9.00%
|
1.00%
on
100%
(106.1%) |
10% Starting in 1st Year
|
1.50% 0-80
0.75% trail |
Standard Insurance
forms
Agent Guide
|
IGA 7
7
Years
Single Premium
|
Fixed Account 3.00%
Annual P2P Cap <$100k 6.10%
Annual P2P Cap 100k+ 6.85%
P2P w/ ROP Rider <$100k 5.70%
P2P w/ ROP Rider $100k+ 6.45%
Bailout Cap 2% less than initial
|
1.00%
on
100%
(109%) |
10% Starting in 1st Year
|
5.50% 0-80
2.75% 81-85
2.25% 86-90 |
Great American
forms
Agent Guide
|
American Legend 2
7
Years
Flex-Non Rolling
|
Fixed Account 3.75%
Annual P2P Cap 8.50%
Mo P2P Cap <$100k 2.50%
P2P Monthly Avg Cap 9.50%
|
2.00%
on
100%
(114.8%) |
10% Starting in 1st Year
|
5.50% 0-75
5.10% 76-80
3.50% 81-85 |
Lincoln Financial
forms
Agent Guide
|
OptiChoice 7
7
Years
Flex-Non Rolling
|
Fixed Account 3.70%
Fixed Account ($100k+) 3.85%
Annual P2P Cap <$100k 7.60%
Annual P2P Cap 100k+ 7.90%
Mo P2P Cap <$100k 3.20%
Mo P2P Cap ($100k+) 3.30%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
|
1.50%
on
100%
(111%) |
10% Starting in 1st Year
|
6.00% 0-75
4.50% 76-80
3.00% 81-85 |
American National
forms
Agent Guide
|
Strategy Index 7
7
Years
Single Premium
|
Fixed Account 3.15%
Fixed Acct w/ ROP rider 2.75%
Annual P2P Cap 7.25%
Ann P2P Cap w/ ROP rider 6.75%
Life Income & Death Benefit Rider
|
1.75%
on
90.00%
(101.2%) |
10% after 1st year
|
5.00% 0-75
4.00% 76-80
3.00% 81-85 |
ING-USA
forms
|
Secure Index 7
7
Years
Flex-Non Rolling
|
Fixed Account 3.95%
Annual P2P Cap <$75k 8.00%
Annual P2P Cap $75k+ 8.50%
Monthly P2P Cap <$75k 2.70%
Monthly P2P Cap $75k+ 3.00%
|
1.00%
on
100%
(107.2%) |
10% after 1st year
|
5.00% 0-80 |
Lincoln Financial
forms
Agent Guide
|
OptiChoice 9
9
Years
Flexible Premium
|
Fixed Account 3.75%
Fixed Account ($100k+) 3.90%
Annual P2P Cap <$100k 7.75%
Annual P2P Cap 100k+ 8.05%
Mo P2P Cap <$100k 3.25%
Mo P2P Cap ($100k+) 3.35%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
|
1.75%
on
100%
(116.9%) |
10% Starting in 1st Year
|
7.00% 0-75
5.25% 76-80 |
OMFN
forms
Agent Guide
|
Spectrum Choice 9 Bonus
9
Years
Single Premium
|
PREMIUM BONUS 3.00%
Fixed Account 2.75%
Annual P2P Cap 6.00%
Mo Avg Cap 6.00%
1-yr Mnthly P2P Cap 2.25%
2-yr Mnthly P2P Cap 3.60%
3-yr Mnthly P2P Cap 4.60%
|
1.10%
on
103.00%
(114%) |
10% after 1st year
|
9.00% 0-79
4.50% 80-85
most states |
ING-USA
forms
Agent Guide
|
Envoy 9
9
Years
Flex-Non Rolling
|
Fixed Account 3.95%
Annual P2P Cap <$75k 9.00%
Annual P2P Cap $75k+ 10.00%
|
1.00%
on
100%
(109.3%) |
10% Starting in 1st Year
|
6.50% 0-80 |
Great American
forms
Agent Guide
|
American Icon 2
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 1.50%
Fixed Account 3.25%
Annual P2P Cap 7.25%
P2P Monthly Avg Cap 7.50%
|
2.00%
on
100%
(121.9%) |
10% Starting in 1st Year
|
7.50% 0-75
6.00% 76-80
2.00% 81-85 |
Great American
forms
|
American Valor 2
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 3% to 5.00%
Fixed Account 3.25%
Annual P2P Cap 7.25%
P2P Monthly Avg Cap 7.75%
|
2.00%
on
100%
(121.9%) |
10% Starting in 1st Year
|
6.50% 0-75
5.35% 76-80
3.60% 81-85 |
ING-USA
forms
Agent Guide
|
Secure Opportunities Plus
10
Years
Single Premium
|
PREMIUM BONUS 5.00%
Fixed Account 3.75%
Annual P2P Cap <$75k 7.50%
Annual P2P Cap $75k+ 8.25%
Monthly P2P Cap <$75k 2.50%
Monthly P2P Cap $75k+ 2.80%
|
2.00%
on
87.50%
(106.6%) |
10% after 1st year
|
7.00% 0-80 |
*Commission may vary depending on payout option, premium amount, state, age, and type of policy.
Please call for details and to make sure product is approved in your state
Products, surrender charges, interest rates, bonuses, participation rates/margins, free withdrawals,
issue ages, minimum premiums and commissions may vary depending on state, age, type of policy and/or
premium. All information is meant as a representation, not an advertisement or warrantee.
Rates subject to change at any time. Agent-only material and not meant to be copied or used in sales
presentations. Each company/product may have state specific requirements where approved.
