Company Name
Plan Name |
Initial Rate |
Projected Base Rate Thereafter |
Max Issue Age |
Free Withdrawals |
Surrender
Term |
Commission* |
American National
Citadel 5 Diamond Series
forms
|
2.20% (2.10% under $100k) includes 1% bonus
|
1.20% (1.10% under $100k). Annual Renewal. 1st yr additions only. 1% bonus 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 |
Western National
Preferred Choice
forms
|
1.35% for 3 years. (1.05% for 3 yrs under $100k)
|
1.05% base rate (1.00% minimum guarantee) |
90 (70 Qual) |
Interest Yr 1, 15% starting Yr 2, 20% cumulative. |
5 Years (No MVA)
9,8,7,6,5,0
Return of Premium |
2.00% 0-85
0.20% 86-90 |
Reliance Standard
Eleos - MVA
forms
|
3.00% (includes 1% bonus)
|
2.00%. Annually declared rate. 1.00% minimum guarantee. |
85 |
10% starting 1st year. |
5 Years (MVA)
8,7,6,5,4,0
($10k min prem) |
3.25% 0-75
2.60% 76-80
1.95% 81-85 |
Reliance Standard
Eleos - SP
forms
|
2.85% (includes 1% bonus)
|
1.85%. Annually declared rate. 1.00% minimum guarantee. |
85 |
10% starting 1st year. |
5 Years (No MVA)
8,7,6,5,4,0
($10k min prem) |
3.25% 0-75
2.60% 76-80
1.95% 81-85 |
VALIC
ProFlex
forms
|
3.75% Qual; 3.65% IRA; 3.50% NQ (includes bonus guaranteed 12 mos)
|
Base rate 1.50% Qual; 1.00% IRA & NQ. Base rate declared beginning of calendar year. 1.00% minimum guarantee. |
85 (NQ and IRA); 70 Qual |
No withdrawals 1st year. 10% after one year. |
5 Years
5%,5,5,5,5,0
No MVA
Return of Premium |
0-55 4.80%
56-75 3.80%
76-85 2.60%
trail options |
Sagicor
Sage Choice
forms
|
2.50%
|
2.00% Bailout Rate
2.00% Minimum Guarantee |
90 |
10% starting 1st year |
6 Years (MVA)
7,7,7,6,5,3,0 |
3.00% 0-80
1.00% 81-90 |
Standard Insurance
SRA 1
forms
|
2.10% above $100k
(2.00% below) includes 1% bonus
|
Annual Renewal. BAILOUT rate years 2 thru 5 is 1.10%. (1.00% below $100k). 1.00% policy minimum (most states) |
85 |
10% after 1 year OR interest-only starting 1st year. |
6 years (No MVA)
7,7,7,6,5,3,0
Return of Principal Guarantee |
4.00% 0-80
2.00% 81-85
1.45% 86-90 |
American National
Citadel 7 Diamond Series
forms
|
3.35% (3.25% under $100k) includes 2% bonus
|
1.35% gteed year 2 (1.25% under $100k). Annual Renewal. 2% Bonus applies 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 |
Integrity Life
SPDA Series II
forms
|
2.50% (includes 1% bonus)
|
1.50%. Annual renewal years 2+.
5-YEAR Guarantee option at 1.80%.
Minimum guarantee 1.00% most states. (1, 3, 5 & 7 year gtee) |
85 |
10% beginning 1st year |
7 Years (No MVA)
7%,7,7,6,5,4,3,0
Return of Principal Guarantee |
4.00% 0-79
2.00% 80-85
(5-year option)
1% more on 1 & 3yr option. |
Great American
Secure American
forms
|
2.60% (includes 1% spread) 1.60% rate if surrendered or transferred.
|
2.60% Annuity Value rate (includes 1% spread that dips annually). 1.60% Surrender value rate. 1.00% minimum. |
89 |
10% starting 1st year. |
7 Years - No MVA
9%,8,7,6,5,4,3,0
1% annuitization bonus every year held in accumulation |
6.50% 0-70
5.25% 71-80
5.00% 81-89 |
Standard Insurance
PGA 7
forms
|
Temporarily Suspended
|
Temporarily Suspended |
85 |
10% after 1 year or interest-only starting 1st year |
7 years (No MVA)
9%,8,7,6,5,4,2,0
Return of Principal Guarantee |
5.00% 0-80
2.50% 81-85
1.75% 86-90 |
Liberty Mutual
Builder Annuity
forms
|
2.15% (2.00% under $100k) guaranteed 4 years
|
Initial 4-year guarantee. Annually declared thereafter. ROP, chronic illness, extra care, and other rider options available at small cost. |
85 |
5% after one year.
Additional liquidy riders available for reduced rate. Available ALL states. |
8 Years
8%,7,6,5,4,3,2,1,0
Bailout rider available after year 4.
No MVA |
3.50% 0-80
2.50% 81-85 |
Industrial Alliance Pacific
Charter Advantage
|
3.00% (includes 1.75% bonus)
|
1.25%. Portfolio renewal. 1.25% minimum guarantee. |
70 |
10% after one year |
10 Years
10,9,8,7,6,5,4,3,2,1,0 (Flex Premium) |
7.00% 0-70 |
