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 |
