|
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 3.80%
P2P Acct (no cap) <$75k 35%
P2P Acct (no cap) $75k+ 41%
Annual P2P Cap <$75k 7.25%
Annual P2P Cap $75k+ 8.75%
|
2.00%
on
100%
(106.1%) |
10% Starting in 1st Year
|
1.00% 0-80
0.75% trail |
Old Mutual (F&G)
forms
Agent Guide
|
Safety Index 4
4
Years
Flex-Non Rolling
|
Fixed Account 3.50%
Fixed Account ($100k+) 3.80%
P2P Cap 7.50%
P2P Cap ($100k+) 8.50%
Mo Avg Cap 8.00%
Mo Avg Cap ($100k+) 9.50%
Mo P2P Cap <$100k 1.75%
Mo P2P Cap ($100k+) 2.00%
Mo Avg Spread 2.75%
Mo Avg Spread ($100k+) 2.25%
|
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 3.70%
Annual P2P Cap <$100k 8.00%
Annual P2P Cap 100k+ 8.75%
P2P w/ ROP Rider <$100k 7.60%
P2P w/ ROP Rider $100k+ 8.35%
Bailout Cap 2% less than initial
|
1.50%
on
100%
(107.7%) |
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 3.85%
Fixed Account ($100k+) 4.00%
Annual P2P Cap <$100k 7.55%
Annual P2P Cap 100k+ 7.85%
Mo P2P Cap <$100k 2.55%
Mo P2P Cap ($100k+) 2.65%
Mo Avg Spread <$100k 4.35%
Mo Avg Spread ($100k+) 4.05%
|
1.25%
on
100%
(106.4%) |
10% Starting in 1st Year
|
5.00% 0-75
3.75% 76-80
2.50% 81-85 |
Old Mutual (F&G)
forms
Agent Guide
|
Index Rewards 5
5
Years
Single Premium
|
Fixed Account 3.50%
S&P Monthly Avg Cap 8.25%
Dow Monthly Avg Cap 8.25%
S&P Annual P2P Cap 7.50%
Dow Annual P2P Cap 7.50%
|
3.00%
on
100%
(116%) |
10% after 1st year
|
4.00% 0-79
2.00% 80-90 |
Lafayette Life
forms
Agent Guide
|
Marquis Advant-Edge
5
Years
Flex-Non Rolling
|
Fixed Account 3.75%
Annual P2P Cap 5.50%
|
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 4.15%
P2P Acct (no cap) <$75k 42%
P2P Acct (no cap) $75k+ 48%
Annual P2P Cap <$75k 8.50%
Annual P2P Cap $75k+ 9.75%
Mo Avg fee-no cap-<$75k 3.90%
Mo Avg fee-no cap-$75k+ 2.50%
Monthly P2P Cap <$75k 2.40%
Monthly P2P Cap $75k+ 2.60%
|
1.50%
on
100%
(107.7%) |
10% after 1st year
|
4.00% 0-80
0.25% trail |
ING-USA
forms
Agent Guide
|
Envoy 6
6
Years
Flex-Non Rolling
|
Fixed Account 4.20%
P2P Acct (no cap) <$75k 38%
P2P Acct (no cap) $75k+ 44%
Annual P2P Cap <$75k 8.25%
Annual P2P Cap $75k+ 9.75%
|
2.00%
on
100%
(112.6%) |
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 3.70%
Annual P2P Cap <$100k 8.25%
Annual P2P Cap 100k+ 9.00%
P2P w/ ROP Rider <$100k 7.85%
P2P w/ ROP Rider $100k+ 8.60%
Bailout Cap 2% less than initial
|
1.50%
on
100%
(111%) |
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 4.00%
Annual P2P Cap 10.00%
Mo Avg (no cap) spread 3.25%
Mo P2P Cap <$100k 2.00%
P2P Monthly Avg Cap 10.00%
|
3.00%
on
100%
(123%) |
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 4.15%
Fixed Account ($100k+) 4.30%
Annual P2P Cap <$100k 8.20%
Annual P2P Cap 100k+ 8.50%
Mo P2P Cap <$100k 2.70%
Mo P2P Cap ($100k+) 2.80%
Mo Avg Spread <$100k 3.75%
Mo Avg Spread ($100k+) 3.45%
|
1.50%
on
100%
(111%) |
10% Starting in 1st Year
|
6.00% 0-75
4.50% 76-80
3.00% 81-85 |
Old Mutual (F&G)
forms
Agent Guide
|
Spectrum Rewards Choice 7
7
Years
Flex-Non Rolling
|
Fixed Account 3.50% (FS)
S&P Monthly Avg Cap 8.25%
S&P Annual P2P Cap 7.35%
1-yr Mnthly P2P Cap 1.95%
|
1.60%
on
100%
(111.7%) |
10% after 1st year
|
7.00% 0-79
3.50% 80-85
most states |
American National
forms
Agent Guide
|
Strategy Index 7
7
Years
Single Premium
|
Fixed Account 3.50%
Fixed Acct w/ ROP rider 3.30%
Annual P2P Cap 7.55%
Ann P2P Cap w/ ROP rider 7.05%
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
Agent Guide
|
Secure Index 7
7
Years
Flex-Non Rolling
|
Fixed Account 4.35%
P2P Acct (no cap) <$75k 42%
P2P Acct (no cap) $75k+ 48%
Annual P2P Cap <$75k 8.50%
Annual P2P Cap $75k+ 9.75%
Mo Avg fee-no cap-<$75k 3.90%
Mo Avg fee-no cap-$75k+ 2.50%
Monthly P2P Cap <$75k 2.40%
Monthly P2P Cap $75k+ 2.60%
|
3.00%
on
100%
(123%) |
10% after 1st year
|
5.00% 0-80
0.25% trail |
Old Mutual (F&G)
forms
Agent Guide
|
Escalator 8
8
Years
Flex-Non Rolling
|
PREMIUM BONUS 8.00%
Fixed Account 3.35%
1-yr Mnthly P2P Cap 1.75%
Annual P2P Cap 6.50%
P2P Monthly Avg Cap 7.75%
|
1.60%
on
87.50%
(99.3%) |
10% after 1st year
|
5.50% 0-79
2.75% 80-85
most states
Except in CT |
Lincoln Financial
forms
Agent Guide
|
OptiChoice 9
9
Years
Flexible Premium
|
Fixed Account 4.20%
Fixed Account ($100k+) 4.35%
Annual P2P Cap <$100k 8.45%
Annual P2P Cap 100k+ 8.75%
Mo P2P Cap <$100k 2.80%
Mo P2P Cap ($100k+) 2.90%
Mo Avg Spread <$100k 3.55%
Mo Avg Spread ($100k+) 3.25%
|
1.75%
on
100%
(116.9%) |
10% Starting in 1st Year
|
7.00% 0-75
5.25% 76-80 |
Old Mutual (F&G)
forms
Agent Guide
|
Spectrum Choice 9 Bonus
9
Years
Single Premium
|
PREMIUM BONUS 3.00%
Fixed Account 3.50%
Annual P2P Cap 6.50%
Mo Avg Cap 7.75%
1-yr Mnthly P2P Cap 1.75%
2-yr Mnthly P2P Cap 2.35%
3-yr Mnthly P2P Cap 2.70%
|
1.70%
on
103.00%
(119.8%) |
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 4.45%
P2P Acct (no cap) <$75k 42%
P2P Acct (no cap) $75k+ 48%
Annual P2P Cap <$75k 9.00%
Annual P2P Cap $75k+ 10.25%
|
2.00%
on
100%
(119.5%) |
10% Starting in 1st Year
|
6.50% 0-90 |
Great American
forms
Agent Guide
|
American Icon 2
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 1.50%
Fixed Account 3.50%
Annual P2P Cap 8.50%
Mo Avg (no cap) spread 4.25%
P2P Monthly Avg Cap 8.00%
|
3.00%
on
100%
(134.4%) |
10% Starting in 1st Year
|
8.50% 0-75
7.30% 76-80
4.05% 81-85 |
Great American
forms
Agent Guide
|
American Valor 2
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 5% to 7.50%
Fixed Account 3.25%
Annual P2P Cap 8.25%
Mo Avg (no cap) spread 5.25%
Daily Avg (no cap) Part. Rt. 60%
P2P Monthly Avg Cap 10.00%
|
3.00%
on
100%
(134.4%) |
10% Starting in 1st Year
|
6.50% 0-75
5.35% 76-80
3.60% 81-85 |
Old Mutual (F&G)
forms
Agent Guide
|
Escalator 10
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 10.00%
Fixed Account 3.50%
1-yr Mnthly P2P Cap 2.00%
Annual P2P Cap 6.75%
P2P Monthly Avg Cap 8.25%
|
1.60%
on
87.50%
(100.9%) |
10% after 1st year
|
6.50% 0-79
3.25% 80-85
most states
Except in CT |
Old Mutual (F&G)
forms
Agent Guide
|
Index Rewards
10
Years
Single Premium
|
Fixed Account 3.75%
S&P Monthly Avg Cap 9.00%
Dow Monthly Avg Cap 9.00%
S&P Annual P2P Cap 8.25%
Dow Annual P2P Cap 8.25%
|
3.00%
on
100%
(134.4%) |
10% after 1st year
|
7.00% 0-79
3.50% 80-85 |
ING-USA
forms
Agent Guide
|
Secure Opportunities Plus
10
Years
Single Premium
|
PREMIUM BONUS 5.00%
Fixed Account 3.65%
P2P Acct (no cap) <$75k 38%
P2P Acct (no cap) $75k+ 43%
Annual P2P Cap <$75k 7.00%
Annual P2P Cap $75k+ 8.25%
Mo Avg fee-no cap-<$75k 4.25%
Mo Avg fee-no cap-$75k+ 3.50%
Monthly P2P Cap <$75k 2.15%
Monthly P2P Cap $75k+ 2.35%
|
3.00%
on
87.50%
(117.6%) |
10% after 1st year
|
8.00% 0-80
0.25% trail |
