Company Name: American Equity Investment Life Insurance Company
Phone number: 888-647-1371
Website: www.american-equity.com
Product name: Advantage Gold Index Annuity
Availability: All States Except AK CT DE MN NY OR PA UT WA
What is the maximum issue age? 80
What is the minimum purchase? $5,000
What is the crediting method? There are seven crediting methods. There are five S&P crediting methods, one 10-year US Treasury Bond method and one fixed Method. The S&P crediting methods are: Annual Point to Point w/ Cap Annual Point to Point w/ Participation Annual Monthly Average w/ Cap Annual Monthly Average w/ Participation Monthly Point to Point w/ Cap The 10-year US Treasury Bond is an annual point to point method
What is the minimum guaranteed rate? The Minimum guaranteed rate is 3% on 84% of first year premium and premium bonus.
Please list the available riders: Lifetime Income Benefit Rider – 5% or 8% choice of accumulation Nursing Care Rider Terminal Illness Rider
Unique features: This is a 10-year walk away product with a true 5% bonus. There is no market Value Adjustment on this contract. The client has access to 10% penalty free each year after the completion of the 1st contract year.
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG Global 6 Index
Availability: All States Except CT VT
What is the maximum issue age? 85
What is the minimum purchase? $5,000 Q/NQ with $100/mo EFT; $2,000 post issue OR $300/mo EFT; $2,000 post issue
What is the crediting method? Global Multiple Index Account w/cap using S&P 500, EuroStoxx 50, Nikkei 225; Annual Pt to Pt w/PR (S&P500); Monthly Additive w/cap (S&P500); Annual Reallocation; fixed Interest (annual rate)
What is the minimum guaranteed rate? 90% @ 2%
Please list the available riders: GMWB; Extended Care Rider
Unique features: Global Index Account; GMWB /
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG Global 8 Index
Availability: All States Except CT VT
What is the maximum issue age? 80
What is the minimum purchase? $5,000 Q/NQ with $100/mo EFT; $2,000 post issue OR $300/mo EFT; $2,000 post issue
What is the crediting method? Global Multiple Index Account w/cap using S&P 500, EuroStoxx 50, Nikkei 225; Annual Pt to Pt w/PR (S&P500); Monthly Additive w/cap (S&P500); Annual Reallocation; Fixed Interest (annual rate)
What is the minimum guaranteed rate? 90% @ 2%
Please list the available riders: GMWB; Extended Care Rider
Unique features: Global Multiple Index Account, GMWB
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG Global Bonus Index
Availability: All States Except AK CT DE MN NJ NY OR PA UT VT WA
What is the maximum issue age? 80
What is the minimum purchase? $5,000 Q/NQ with $100/mo EFT; $2,000 post issue OR $300/mo EFT; $2,000 post issue
What is the crediting method? Global Multiple Index Account w/cap using S&P 500, EuroStoxx 50, Nikkei 225; Annual Pt to Pt w/PR (S&P500); Monthly Additive w/cap (S&P500); Annual Reallocation; fixed Interest (annual rate)
What is the minimum guaranteed rate? 100% @ 2% except withdrawal charge
Please list the available riders: GMWB; Extended Care Riders
Unique features: Global Multiple Index; GMWB
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG HorizonIndex12
Availability: All States Except AK CT MN NJ NY OK OR UT VT WA
What is the maximum issue age? 85
What is the minimum purchase? $5,000 Q/NQ
What is the crediting method? Fixed interest; 12-year MYG, then annual; Accounts using S&P 500;monthly additive w/cap; 2year pt to pt w/cap
What is the minimum guaranteed rate? 90% @ 2%
Please list the available riders: Extended Care rider
Unique features: 9-year MYG
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG HorizonIndex9
Availability: All States Except AK MN NJ NY OR UT VT WA
What is the maximum issue age? 85
What is the minimum purchase? $5,000 Q/NQ
What is the crediting method? Fixed Interest; 9-year; 6-year MYG, then annual; accounts using S&P 500; monthly additive w/cap; 2-year pt to pt w/cap; annual reallocation (some restrictions on 2-year pt to pt)
What is the minimum guaranteed rate? 90% @ 2%
Please list the available riders: Extended Care Rider
Unique features: 6-yr MYG for fixed
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG VisionAdvantage5
Availability: All States Except CT DE MN NJ NY OR PA UT VT WA
What is the maximum issue age? 85
What is the minimum purchase? $15,000 Q/NQ
What is the crediting method? Fixed Interest (annual rate); accounts using S&P 500; Annual pt to pt w/cap; annual pt to pt w/80% PR w/cap; Annual pt to pt w/PR; monthly average w/spread; Annual reallocation
What is the minimum guaranteed rate? 90% @ 2%
Please list the available riders: Extended Care rider
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG VisionAdvantage7
Availability: All States Except CT DE MN NJ NY OR PA UT VT WA
What is the maximum issue age? 85
What is the minimum purchase? $15,000 Q/NQ
What is the crediting method? fixed interest; (annual rate); accounts using S&P 500; annual pt to pt w/cap; annual pt to pt w/80% PR w/cap; annual pt to pt w/pr; monthly average w/spread; annual reallocation
What is the minimum guaranteed rate? 90% @ 2 %
Please list the available riders: Extended Care Rider
Company Name: American General Life Insurance Company
Phone number: 888-438-6933
Website: www.americangeneral.com
Product name: AG VisionMaximizer
Availability: All States Except AK DE IL MN MS NJ NY OR PA UT VT WA
What is the maximum issue age? 75
What is the minimum purchase? $20,000 Q/NQ
What is the crediting method? Fixed Interest (5-year MYG, the annual); accounts using S&P 500; annual pt to pt w/cap; Annual pt to pt w/PR; Monthly average w/spread; annual reallocation
What is the minimum guaranteed rate? 90% @ 2%
Please list the available riders: Extended Care Rider
Company Name: American National Insurance Company
Phone number: 888-501-4043, Option 1
Website: www.img.anicoweb.com
Product name: ANICO EIA
Availability: All States Except MN NY ND OK OR WA
What is the maximum issue age? 85
What is the minimum purchase? $10,000 (NQ) & (PQ)
What is the crediting method? During the initial term, at the end of each contract year, if the index gain is either positive or level, the specified rate will be credited to the contact annuity value for that year; if the index gain is negative, no interest will be credited.
What is the minimum guaranteed rate? Varies by state
Please list the available riders: ROP
Unique features: Trigger performance product
Company Name: American National Insurance Company
Phone number: 888-501-4043, Option 1
Website: www.img.anicoweb.com
Product name: ANICO Strategy 10 (ASIA10)
Availability: All States Except MA MN OR PA UT VT
What is the maximum issue age? 85
What is the minimum purchase? $5,000 (NQ) $4,000 (PQ)
What is the crediting method? Two crediting methods – Annual PTP based upon S&P 500 / fixed acct
What is the minimum guaranteed rate? Varies by state
Please list the available riders: Lifetime Income Rider, Enhanced Death Benefit, Return of Premium
Company Name: American National Insurance Company
Phone number: 888-501-4043, Option 1
Website: www.img.anicoweb.com
Product name: ANICO Strategy 7 (ASIA 7)
Availability: All States Except MA MN OR PA UT VT
What is the maximum issue age? 85
What is the minimum purchase? $5,000 (NQ); $4,000 (PQ)
What is the crediting method? Two crediting methods – Annual PTP based off of S&P500 / fixed acct
What is the minimum guaranteed rate? Varies by state
Please list the available riders: Lifetime Income Rider, Return of Premium, Enhanced Death Benefit
Company Name: American National Insurance Company
Phone number: 888-501-4043, Option 1
Website: www.img.anicoweb.com
Product name: Valued-Lock 10
Availability: All States Except MA MN NJ NY ND OR VT
What is the maximum issue age? 80
What is the minimum purchase? $5,000 NQ $4,000 PQ
What is the crediting method? Crediting method uses a monthly average related to the performance of the S&P 500 and allows a one-time lock-in of interest gain at any time during the 10-year indexing term.
What is the minimum guaranteed rate? Varies by state
Unique features: Premium bonus
Company Name: American National Insurance Company
Phone number: 888-501-4043, Option 1
Website: www.img.anicoweb.com
Product name: Value-Lock 7
Availability: All States Except IL MN NJ NY ND OR UT VT
What is the maximum issue age? 80
What is the minimum purchase? $5,000 NQ $4,000 PQ
What is the crediting method? Crediting method uses a monthly average related to the performance of the S&P 500 and allows a one-time lock-in of interest gain beginning in the 3rd policy year.
What is the minimum guaranteed rate? Varies by state
Company Name: Americo Financial Life and Annuity Insurance Company
Phone number: 800-231-0801 x8410
Website: www.americo.com
Product name: Future Provider Bonus
Availability: All States Except AL AK CT DE MN MS NJ NY OR UT WA
What is the maximum issue age? 85
What is the minimum purchase? $5,000 non-qualified, $2,000 qualified
What is the crediting method? Point to Point Cap, Point to Point Participation Rate, Nasdaq Point to Point no cap, EZ option, Declared account, Monthly Average Spread
What is the minimum guaranteed rate? 2%
Please list the available riders: Death Benefit Payout Rider, Waiver of Surrender Charge upon Nursing home confinement.
Unique features: Bonus on all first year premiums of 4%. Full accumulation value death benefit. Check book access on withdraws taken after the first year.
Company Name: Assurity Life Insurance Company
Phone number: 800-276-7619
Website: www.assurity.com
Product name: Ascential Plus One Annuity
Availability: All States Except NY
What is the maximum issue age? 90
What is the minimum purchase? $2,000
What is the crediting method? combination of investment-year and portfolio methods
What is the minimum guaranteed rate? 3%
Please list the available riders: No-cost Benefit: 100% of funds available with total disability, nursing home confinement or death.
Unique features: 1% bonus in 1st year. No front-end or handling fees. Sliding scale for surrender charges (9-year). Up to 10% may be withdrawn annually without surrender. Supplemental contributions allowed in first year. Variety of payout options.
Company Name: Aviva Life & Annuity
Phone number: 800-801-1486, 1 & ext. 2396
Website: www.avivausa.com
Product name: BPASelect 12
Availability: All States Except AK CT DE MN NJ NY OR PA UT WA
What is the maximum issue age? 76
What is the minimum purchase? $5,000 Q/NQ
What is the crediting method? 4 declared rate/equity allocation blended strategy
What is the minimum guaranteed rate? 87.5% @ 2.25-3.00%
Please list the available riders: Bonus Rider Family Endowment Rider Income Advantage Rider
Unique features: Blended allocation strategies, GLWB rider and optional premium bonus
Company Name: Aviva Life & Annuity
Phone number: 800-801-1486, 1 & ext. 2396
Website: www.avivausa.com
Product name: Income Select Bonus
Availability: All States Except AK CT DE MN NJ NY OR PA UT WA
What is the maximum issue age? 78, most states
What is the minimum purchase? $5,000 Q/NQ
What is the crediting method? 7 indexed, 1 fixed
What is the minimum guaranteed rate? 87.5% @ 1-3%
Please list the available riders: Income Edge Income Edge Plus
Unique features: 8% Bonus Confinement Waiver, Terminal Illness Waiver and Home Health Care Waiver
Company Name: Aviva Life & Annuity
Phone number: 800-801-1486, 1 & ext. 2396
Website: www.avivausa.com
Product name: MultiChoice IncomeXtra
Availability: All States Except AK CT DE MN NY OR PA UT WA
What is the maximum issue age? 78, most states
What is the minimum purchase? $5,000 Q/NQ
What is the crediting method? 7 indexed, 1 fixed
What is the minimum guaranteed rate? 87.5% @ 1-3%
Please list the available riders: LifetimePay Rider LifetimePay Plus Rider
Unique features: 8% Bonus Confinement Waiver, Terminal Illness Waiver and Home Health Care Waiver
Company Name: Fort Dearborn Life
Phone number: 800-282-6363
Website: www.fdl-life.com
Product name: Index Fortifier 10
Availability: All States Except AK CT MN NY ND OR PA UT
What is the maximum issue age? 85
What is the minimum purchase? $10,000
What is the crediting method? Index Crediting Rate is based on changes to the S&P 500 Index with Annual Reset
What is the minimum guaranteed rate? The minimum guaranteed surrender value is 1% on 100% of premium less prior withdrawals or surrenders, and applicable charges and any applicable taxes.
Please list the available riders: Nursing Home/ Terminal Illness Waiver
Unique features: First Year Premium Bonus equal to 5%.
Company Name: Great American Financial Resources
Phone number: 800-438-3398 x11999
Website: www.GAFRI.com
Product name: Safe Return
Availability: All States Except DE NH NJ VA
What is the maximum issue age? 85
What is the minimum purchase? $25,000
What is the crediting method? Annual point-to-point Monthly Averaging
What is the minimum guaranteed rate? Guaranteed minimum surrender value is 2% on 100% of purchase payments, less withdrawals and the applicable early withdrawal charge rate multiplied by the account value.
Please list the available riders: IncomeSustainer Living Benefit Rider
Unique features: Bailout Cap – if the cap for an indexed strategy falls below its bailout cap, the client can withdraw money without penalty. Return of Premium Guarantee – the amount payable upon surrender is the greatest of the surrender value, the guaranteed minimum surrender value or return of premium (less the sum of withdrawals).
Company Name: ING USA Annuity and Life Insurance Company
Phone number: 800-369-5301
Website: www.ingannuities.com
Product name: ING Secure Index Opportunities Plus
Availability: All States Except AK CT DE MN NJ NY OR WA
What is the maximum issue age? 80
What is the minimum purchase? $15,000
What is the crediting method? Annual Point to Point Cap Annual Point to Point Participation Fixed Rate
What is the minimum guaranteed rate? 2% on 87.5% of the premium
Please list the available riders: ING IncomeProtector Withdrawal Benefit
Unique features: 5% premium bonus is credited to the client's account value
Company Name: Jackson National Life Insurance Company (Jackson)
Phone number: 800-873-5654
Website: www.jackson.com
Product name: Elite Annual Reset
Availability: All States Except AK NY
What is the maximum issue age? Up to age 85 (depending on contract term)
What is the minimum purchase? $10,000 (non-qualified); $5,000 (qualified)
What is the crediting method? Annual Reset Monthly Averaging
What is the minimum guaranteed rate? Annual Reset Monthly Averaging = Minimum Annual Cap 5% Fixed Account Option = 3%
Please list the available riders: N/A
Unique features: – Contract term lengths of 5-, 7-, 10- and 12-years – S&P 500 Index – Penalty Free Withdrawal Provisions include: o 10% Free Withdrawals o Required Minimum Distributions o Extended Care Benefits o Terminal Illness Benefits
Company Name: Jackson National Life Insurance Company (Jackson)
Phone number: 800-873-5654
Website: www.jackson.com
Product name: Elite Choice
Availability: All States Except AK NY OR
What is the maximum issue age? Up to age 85 (depending on contract term)
What is the minimum purchase? $10,000 (non-qualified); $5,000 (qualified)
What is the crediting method? – Annual Reset Monthly Averaging – Biennial Reset Point-to-Point – Biennial Reset Monthly Sum
What is the minimum guaranteed rate? Annual Reset Monthly Averaging = Minimum Annual Cap 5% Biennial Reset Point-to-Point = Minimum Biennial Cap 8% Biennial Reset Monthly Sum = Minimum Monthly Cap 1% Fixed Account Option = 3%
Please list the available riders: N/A
Unique features: – Jackson's proprietary Multi-Strategy Index. It is a benchmark of stock performance created by Jackson to add the opportunity for greater diversity. – Flexibility to allocate any whole percentage to any of the three crediting methods. (i.e. 34% Monthly Averaging, 33% Point-to-Point, 33% Monthly Sum) Client can change their allocation on every contract anniversary. – Flexibility to allocate any whole percentage into either of the two index options. – Contract term lengths of 6-, 8-, 10- and 12-years – Penalty Free Withdrawal Provisions include: – 10% Free Withdrawals – Required Minimum Distributions – Extended Care Benefits – Terminal Illness Benefits
Company Name: Jackson National Life Insurance Company (Jackson)
Phone number: 800-873-5654
Website: www.jackson.com
Product name: Elite Choice Rewards
Availability: All States Except AK NY OR
What is the maximum issue age? Up to age 82 (depending on contract term)
What is the minimum purchase? $10,000 (non-qualified); $5,000 (qualified)
What is the crediting method? – Annual Reset Monthly Averaging – Biennial Reset Point-to-Point – Biennial Reset Monthly Sum
What is the minimum guaranteed rate? Annual Reset Monthly Averaging = Minimum Annual Cap 4% Biennial Reset Point-to-Point = Minimum Biennial Cap 7% Biennial Reset Monthly Sum = Minimum Monthly Cap 1% Fixed Account Option = 3%
Please list the available riders: N/A
Unique features: – Features a 5% Bonus in the first year – Jackson's proprietary Multi-Strategy Index (a benchmark of stock performance created by Jackson to add the opportunity for greater diversity) – Flexibility to allocate any whole percentage to any of the three crediting methods. (i.e. 34% Monthly Averaging, 33% Point-to-Point, 33% Monthly Sum) Client can change their allocation on every contract anniversary. – Flexibility to allocate any whole percentage into either of the two index options. – Contract term lengths of 8-, 10- and 12-years – Penalty Free Withdrawal Provisions include: – 10% Free Withdrawals – Required Minimum Distributions – Extended Care Benefits – Terminal Illness Benefits
Company Name: Jackson National Life Insurance Company (Jackson)
Phone number: 800-873-5654
Website: www.jackson.com
Product name: Jackson AscenderPlus
Availability: All States Except AK NY OR VT
What is the maximum issue age? 85
What is the minimum purchase? $10,000 (non-qualified); $5,000 (qualified)
What is the crediting method? Annual Reset Monthly Averaging
What is the minimum guaranteed rate? Annual Reset Monthly Averaging = Minimum Annual Cap is 5% Fixed Account Option = 3%
Please list the available riders: N/A
Unique features: – Jackson's proprietary Multi-Strategy Index (a benchmark of stock performance created by Jackson to add the opportunity for greater diversity) – Two index options – S&P 500 Index and the Multi-Strategy Index – Flexibility to allocate any whole percentage between the two index options. – Contract term lengths of 5-, 7- and 10-years – Penalty Free Withdrawal Provisions include: o 10% Free Withdrawals o Required Minimum Distributions o Extended Care Benefits o Terminal Illness Benefits – Additional premium permitted in the first contract year
