Annuity Advisors

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Company Name
Plan Name
Initial Rate Projected Base Rate Thereafter Max Issue Age Free Withdrawals Surrender
Term
Commission*
Beneficial Life
Advantage 11+

forms
5.90% ($99k); 6.15% (100-249k); 6.25% (250k+) Includes 3% bonus year one. Base rate 2.90% to 3.25%. Minimum guarantee 2%. 100 10% beginning 1st year. 10 Years
9%,9,8,7,6,5,4,3,2,1,0
5.90% 0-75
5.46% 76-80
4.79% 81-90
(1.00% trail 91-100)
Fraternal
Classic

forms
5.00% 5.00% Has not renewed under 5.00% since inception (2002) 90 10% beginning 1st year 3 years (No MVA)
3%,2,1,0
Non-rolling
2.00% 0-90
Limited offering.
Check state approvals.
American National
Citadel 5 Diamond Series

forms
4.75% (4.65% under $100k) includes 1% bonus 3.75% (3.65% 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
Fort Dearborn
Classic Fortifier

forms
5.00% (includes 1% bonus) 4.00% BAILOUT RATE. If renewal rate drops below bailout rate, client can surrender without penalty w/in 30 days after contract anniversary 90 10% after 1st year. Interest-only year one. 5 Years
7%,7,7,6,5,0
4.00% 0-79
2.75% 80-85
1.50% 86-90
John Hancock
GPA Plus

forms
6.70% ($100k+); 5.70% ($25k-$99k); 4.70% ($2k-$25k) 3.40-3.70% base rate. Option to lock rate for 1, 3 or 6 years. 90
(most states)
10% beginning 1st year. 6 years
7%,7,6,6,5,4,0
No MVA; Return of Principal
4.50% 0-79
3.00% 80-85
1.00% 86-90
Lincoln Benefit
SureHorizon 2

forms
7.05% ($100k+); 6.05% (under $100k); Base rate 3.55%. Annually declared rate years 2+. 3.00% 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
4.80% above $100k (4.70% below) includes 1% bonus Annual Renewal. BAILOUT rate years 2 thru 5 is 3.80%. (3.70% below $100k). 1.50% 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
5.60% (includes 1.50% bonus) 4.10% base rate. Min premium $3k, or $50 auto-deposit 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
4.45% (includes 1% bonus) Flex Premium for Qualified funds 3.45% 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
5.90% (5.80% under $100k) includes 2% bonus 3.90% gteed year 2 (3.80% 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
6.50% (<$10k) 6.75% ($10k-99k) 6.90% ($100k+) Subtract 1.00% from these tiers if the Return of Premium feature is chosen. Initial rate includes 3% bonus. Minimum guarantee 3.00%. 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
4.50% 0-80
2.00% 81-85
Integrity Life
SPDA Series II

forms
5.20% (includes 1% bonus) 4.20%. Annual renewal years 2+. 5-YEAR Guarantee option at 4.55%. Minimum guarantee 3% most states. (1, 3 & 5 year guarantee options available) 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.
Old Mutual (F&G)
Legends Classic

forms
6.75% (includes 2% bonus) 4.75%. Annual renewal. Min guarantee 3.00% 90 Accumulated interest 7 years
12,11,10,9,8,7,6,0
2.50% 0-79
1.25% 80-90
Fraternal
Millennium

forms
5.50% 5.50% Has not renewed under 5.50% since inception (2000) 90 10% beginning 1st year 7 years (No MVA)
8%,7,6,5,4,3,1,0
Non-rolling
3.00% 0-90
Limited offering. Check state approvals.
Standard Insurance
PGA 7

forms
4.55% above $100k (4.45% below) includes 1% bonus 3.55% (3.45% under $100k) BAILOUT rate 3.55% years 2 thru 7 (3.45% under $100k). 1.50% 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


*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.



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