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
|
3.55% (3.45% under $100k) includes 1% bonus
|
2.55% (2.45% under $100k). Annual Renewal. 1st yr additions only. 1% bonus for 12 mos. on all first year additions. Min Gtee 2.00% (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 |
4.00% 0-80
3.00% 81-85 |
Western National
Preferred Choice
forms
|
3.40% for 3 years. (3.10% for 3 yrs under $100k)
|
2.05% base rate (2.00% 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 |
VALIC
ProFlex
forms
|
4.75% (includes 2% bonus guaranteed 12 mos)
|
2.75% base rate.
Base rate declared beginning of calendar year. 2.00% 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 |
Dearborn Financial
Classic Fortifier
forms
|
3.00% ($4k minimum premium)
|
2.00% Bailout Rate. If renewal falls below bailout rate, client has 30 days to leave contract without penalty. |
90 |
10% after 1st year. Interest-only year one. |
5 Years
7%,7,7,6,5,0
No MVA |
4.00% 0-79
2.75% 80-85
1.50% 86-90 |
Lincoln Benefit
SureHorizon 2
forms
|
2.55% ($100k+);
2.30% (under $100k); Base rate 1.30% (1.55% over $100k)
|
Annually declared rate years 2+. 1.50% minimum guarantee (except WA) $3k minimum or $100 autocheck for Qualified; $10k NQ |
90 |
15% starting year 1 |
6 years
8%,8,7,6,5,4,0
Non-rolling
|
4.75% 0-75
3.56% 76-85
2.37% 86-90 |
Standard Insurance
SRA 1
forms
|
3.35% above $100k
(3.25% below) includes 1% bonus
|
Annual Renewal. BAILOUT rate years 2 thru 5 is 2.35%. (2.25% 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 |
Annuity Investors
Great Flex 6
forms
|
5.10%
(includes 2.00% bonus)
|
3.10% base rate. 2.50% minimum.
Min premium $3k, or $50 auto-deposit. ONLY ACCEPTING 403b AND 457 BUSINESS. NO IRA OR NON-QUALIFIED ANNUITIES. |
85 |
10% after 1 year |
6 years
9%,8,7,6,5,4,0 |
7.50% 18-55
4.75% 56-70
3.75% 71-75
1.95% 76-85
[0.25% Trails] |
American National
Palladium Advisor
forms
|
3.25% (includes 1% bonus)
Flex Premium
for Qualified funds
|
2.25% base. 2.00% minimum guarantee. |
90 |
10% beginning 1st year |
7 years
7,7,7,6,5,4,2,0
MVA |
3.00% 0-79
1.00% 80+
[0.40% trail
years 2 thru 7.
0.80% trailer years 8+] |
American National
Citadel 7 Diamond Series
forms
|
4.70% (4.60% under $100k) includes 2% bonus
|
2.70% gteed year 2 (2.60% under $100k). Annual Renewal. 2% Bonus applies for 12 months on 1st 3 years of additions. Min Gtee 2.00% (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 |
4.50% 0-80
3.50% 81-85 |
Liberty Life
Freedom Series
forms
|
4.90% (<$10k)
5.15% ($10k-99k)
5.30% ($100k+)
Subtract 1.00% from these tiers if the Return of Premium feature is chosen.
|
Initial rate includes 3% bonus. Minimum guarantee 1.25%. 4% annuitization bonus credited to cash value. |
85 |
10% after 1 year. 20% if not used prior year. |
7 years (No MVA)
7%,7,7,6,5,4,3,0
Return of Principal Guarantee |
3.50% 0-80
1.50% 81-85 |
Integrity Life
SPDA Series II
forms
|
3.85% (includes 1% bonus)
|
2.85%. Annual renewal years 2+.
5-YEAR Guarantee option at 3.15%. 2.90% for 7 years.
Minimum guarantee 2% 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. |
Symetra
Flex Premium Plus
forms
|
4.65% (includes 2% bonus)
|
2.65% base rate |
90 |
10% starting 1st year |
7 Years
6%,6,6,6,3,3,3,0
No MVA
Return of Premium |
5.00% 0-80
2.00% 81-90 |
Great American
Secure American
forms
|
4.05% (includes 1% spread) 3.05% rate if surrendered or transferred.
|
4.05% Annuity Value rate (includes 1% spread that dips annually). 3.05% Surrender value rate. |
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 |
7.40% 0-70
5.40% 71-80
5.15% 81-89 |
Standard Insurance
PGA 7
forms
|
3.10% above $100k (3.00% below) includes 1% bonus
|
2.10% (2.00% under $100k) BAILOUT rate 2.10% years 2 thru 7 (2.00% under $100k). 1.00% policy minimum (most states) |
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 |
