Equity Indexed Annuity Sheet
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- Annabelle Cameron
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1 Mile Road Suite 210 Chesterfield, MI Toll Free Local Fax Equity ed Annuity Sheet Carriers Listed Allianz American Equity American General Amerus Life RBC Fidelity & Guaranty Equitrust ING North American Physicians Life Standard Life of Indiana Investors Insurance Sun Life Keyport Toll Free Fax Lincoln Benefit Check out for the most up to date information! FOR AGENT USE ONLY - NOT FOR USE WITH GENERAL PUBLIC
2 EIA PRODUCT BREAKDOWNS Annuities Please see the following products: 15% American Equity Compass Select (1% bonus each policy year) 10% Allianz MasterDex 10 Allianz 10% PowerDex Elite American Equity Gold Amerus MultiChoice Master 10 (2% bonus every 3 rd year) Equitrust MarketPower North American Heritage Max Physicians Life Vista Solution 8% Amerus MultiChoice Master 8 (2% bonus every 3 rd year) F&G Loyalty Rewards Escalator 8 (1% bonus each contract year) Investors Insurance Corp MarkOne, SummitMark and VistaMark 7% American Equity Premier Gold 7.5% Amerus MultiChoice 7 Americom Life Spirit 7 (1% bonus each contract year) Standard Life of Indiana Equity Gold 7.5% 6% Amerus MultiChoice Plus F&G Loyalty Rewards Escalator 6 (1% bonus each contract year) F&G Spectrum Rewards 5% Allianz MasterDex 5 Allianz PremierDex 5 Allianz 5% PowerDex Elite Great American American Valor North American Heritage Physicians Life Vista Solution Jefferson Pilot OptiPro 13 (1% bonus first 5 policy years) Visionary Marketing Group Mile Rd Suite 210 Chesterfield, MI Phone:
3 4% American General Horizon 12 Year Americom Life AmeriMark SE F&G Spectrum Rewards Reserve Investors Insurance Corp MarkOne, SummitMark and VistaMark Jefferson Pilot OptiPoint 12 Amerus MultiChoice 10 3% American Equity Rewards Gold American General Horizon 9 Year F&G Spectrum Rewards Choice 9 Jefferson Pilot OptiPoint 10 2% Americom Life AmeriMark 7 SE 2.5% Amerus MultiChoice 10 Jefferson Pilot OptiPoint 8 Jefferson Pilot Eclipse 10 (market performance bonus) 1% American Equity Millennium Gold (1.5% bonus) Jefferson Pilot OptiPro 7 Jefferson Pilot Eclipse 8 (1.5% market performance bonus) 5-7 Year Surrender Annuities: Please see the following products: 5 Year Surrender RBC Insurance Master Dow 5 F&G Rewards 5 ING Market Smart 5 Standard Life of Indiana 5 Star 6 Year Surrender Amerus MultiChoice 6 F&G Loyalty Rewards Escalator 6 ING Market Smart 6 Jefferson Pilot New Directions I-66 Visionary Marketing Group Mile Rd Suite 210 Chesterfield, MI Phone:
4 7 Year Surrender Allianz MasterDex 7 Americom Life AmeriMark 7 Americom Life Spirit 7 RBC Insurance Master S&P 7 Equitrust MarketSeven F&G Spectrum Rewards Choice 7 Great American American Legend ING Market Smart 7 ING Secure Jefferson Pilot OptiPro 7 Lincoln Benefit Life Saver s Annuity I North American Simple 7 Physicians Life Vista Solution Year Surrender Strong Commission. Please see the following products: RBC Insurance Master Dow 10 9% Comp ING Selectra 9% Comp ING Income Outcome 8.5% Comp Equitrust MarketValue 10% Comp Keyport MultiPoint 10% Comp Allianz MasterDex 5 9% Comp Americom Life AmeriMark 9% Comp Investors Insurance Corp VistaMark 11% Comp Amerus MultiChoice % Comp Investors Insurance Corp SummitMark 9% Comp *All products subject to state availability. Commission rates vary at older ages. Please call for details. Visionary Marketing Group Mile Rd Suite 210 Chesterfield, MI Phone:
5 CARRIER PROUDCT INTEREST RATE Premier Dex Premier Dex 5 5% Premium 1 st 5 years Point to Point with High Water Feature 4.00% Cap B: Nasdaq-100 Monthly Point to Point with High Water Feature 4.00% Cap C: Fixed Account 2.00% Point to Point with High Water Feature 3.80% Cap B: Nasdaq-100 Monthly Point to Point with High Water Feature 3.80% Cap C: Fixed Account 2.00% FREE WITHDRAL 10% Free withdrawal after first year 10% Free withdrawal after first year MINIMUM PREMIUM $25,000 $25,000 NOT APPROVED CA, DE, IL, IN, MD, NJ, NY, OR, PA, RI, TX, UT, VT, CA, DE, IL, IN, MD, NJ, NY, OR, PA, RI, TX, UT, VT, DEATH BENEFIT 0 x 5 distribution; if taken for a minimum 5- year period; if taken for less than 5 years, guaranteed return of less withdrawals or cash surrender, whichever is greater SURRENDER CHARGE 7 Year Decreasing Starts at 10% and decreases monthly 10 Year Decreasing Starts at 15% and decreases monthly ISSUE AGES COMMISSION Option A 0-75: 7.00% 76-85: 5.00% *Trail options available, call for details Option A 0-75: 10.00% 76-85: 8.00% *Trail options available, call for details MINIMUM GUARANTEE 1.50%-3.00% on 87.5% of 2.00%-3.00% on 87.5% of Allianz Life A.M. Best A+ Moody s A2 S&P AA- American Equity Master Dex Annuity (*) * first 3 years Master Dex 5 Annuity (FDPA*) *FDPA first 5 years 5%* Premium yrs 1-5! *3% Premium Bonum in AL, CT, KY Master Dex 10 Annuity (*) * first 5 years 10% Premium yrs 1-5! Compass Select 1% /Year (INDEX 3-05) Gold 10% () ( 1-05) 100% Part. Gtd Point to Point 2.60% Cap B: Nasdaq-100 Monthly Point to Point 2.60% Cap C: Fixed Account 2.25% 100% Part. Gtd Point to Point 2.40% Cap B: Nasdaq-100 Monthly Point to Point 2.40% Cap C: Fixed Account 2.00% 100% Part. Gtd Point to Point 3.00% Cap B: Nasdaq-100 Monthly Point to Point 3.00% Cap C: Fixed Account 2.75% A: S&P Annual Monthly Average w/ PR or Cap: 75% or 9.00% B: S&P Annual Pt to Pt w/pr or Cap:50% or 6.5% C: Lehman Brothers Point to Point: 5.00% Cap D: S&P Monthly Point to Point: 2.80% Cap E: Current Fixed Value Rate: 3.25% A: S&P or DJIA Annual Monthly Ave: 9% Cap B: S&P or DJIA Annual Point to Point: 6.50% Cap C: Lehman Brothers Annual Point to Point: 5.00% Cap D: S&P Monthly Point to Point: 2.80% Cap E: Fixed Account: 3.25% 10% per policy year, up to 50% of total received cumulative lifetime; available after first policy year or 12 months following the last addition of, whichever is later. 10% per policy year, up to 50% of total received cumulative lifetime; available after first policy year or 12 months following the last addition of, whichever is later. 10% per policy year, up to 50% of total received cumulative lifetime; available after first policy year or 12 months following the last addition of, whichever is later. $25,000 IN, NY, OR, PA, UT, $25,000 IN, NY, OR, PA, UT, 10% per year after year 1 $5,000 10% per year after year 1 $5,000 IN, NY, OR, UT, AL, CT, IL, MN, NC, NY, OR, UT, VT, AL, CT, MN, NC, NY, OR, UT, 0 x 5 distribution; if taken for a minimum 5- year period; if taken for less than 5 years, guaranteed return of less withdrawals or cash surrender, whichever is greater Account Value Account Value 7 yr surrender Starts at 10% and decreases monthly plus or minus MVA Death Benefit Rider, Ideal Benefit Rider, Nursing Home Waiver 10 yr surrender* 15% first three years and decreases monthly plus or minus MVA Death Benefit Rider, Ideal Benefit Rider, Nursing Home Waiver *9.1% 1 st yr surrender charge, declining afterward for AL, KY. 10% 1 st yr surrender charge, declining afterward for CT. Call for details. 5 x 10 Payout option, 5 years deferred, 10 year payout option Death Benefit Rider, Ideal Benefit Rider*, Nursing Home Waiver *not avail in all states Issue Ages 0-80: 15 yr Surrender Charge 13.5, 13.5, 13.5, 13.5, 13.5, 12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6, 4.5, 3, 1.5 Issue Ages 81-85: 9 yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 Issue Ages 0-80: 20,19.5, 19, 18.5, 18, 17.5, 17, 16.5, 15.5, 14, 12.5, 11, 9, 7, 5, 3, 2 Issue Ages , 8, 7, 6, 5, 4, 3, 2, 1 issued to ages 0-74, where available NQ NQ Option A 0-75: 7.00% 76-85: 5.00% *Trail options available, call for details Option A 76-85: 7.00% *Trail options available, call for details Option A 76-85: 7.00% *Trail options available, call for details NQ 76-80: 6.00% 81-85: 4.00% Q 76-80: 4.00% NQ 76-80: 6.00%* 81-85: 4.00% Q 76-80: 4.00%* * Varies by state 3% on 75% of 1 st year s, 87.5%* of s paid after the 1 st policy year. (1.5% on 100% of for fixed interest option ) *87.5% of s at 1.5% in NV, CT, IA, MN. 87.5% at 23% in NM. 87.5% at 1% in NC, NH 3% on 80% of 1 st year s, 87.5%* of s paid after the 1 st policy year. (1.5% on 100% of for fixed interest option ) *87.5% of s at 1.5% in NV, CT, IA, MN. 87.5% at 23% in NM. 87.5% at 1% in NC, NH 3% on 75% of 1 st year s, whichever is greater. 3% on 87.5 of s paid after the 1 st policy year. (1.5% on 100% of for fixed interest option ) 2.60% on 86.5% of 1 st year and 87.5% of additional s 2.25% on 80% of 1 st year and 87.5% of additional s
6 Premier Gold % Premium A: S&P Annual Monthly Average: 75% PR B: S&P Annual Pt to Pt: PR: 50% C: Lehman Brothers Pt to Pt: Cap 10%, PR: 65% D: S&P 500 Monthly Point to Point: 2.80% Cap E: Fixed Account: 3.25% 10% per year after year 1 $5,000 AL, CT, MN, NC, NY, OR, UT, Account Value Issue Ages 0-80: 17.5, 17, 16.5, 16, 15.5, 15, 14, 13, 12, 11, 10, 9, 8, 6, 4, 2, 0% Surrender Charge Period: 16 yrs. Surrender Charge Period: 9 yrs. NQ NQ 0-75: 8.50% 76-80: 6.37% 81-85: 4.25% Q 0-75: 8.50% 76-80: 4.25% *Varies by State 2.25% on 82.5% of 1 st year and 87.5% of additional s American Equity A.M. Best B++ S&P BBB+ Future Gold -28 A: S&P Annual Monthly Average: 9% Cap B: S&P Annual Pt to Pt: 6.50% Cap C: Lehman Brothers Annual Point to Point: 5.00% Cap D: S&P Monthly Point to Point: 2.80% Cap E: Fixed Account: 3.25% 10% per year after year 1 $5,000 AL, CT, MI, MN, NC, NH, NY, OR, RI, UT, 15, 14, 13, 12, 11, 10, 9, 8, 7, 5, 3, 1, 0% Surrender Charge Period: 12 yrs. Surrender Charge Period: 9 yrs. NQ NQ 0-75: 12.00% 76-80: 9.00% 81-85: 6.00% Q 0-75: 12.00% 76-80: 6.00% *Varies by State 2.25% on 85% of 1 st year and 87.5% of additional s American General A.M. Best A++, S&P AA+ Amerus Life A.M Best A S&P A+ Moody s A3 Horizon 9 Year Option 3% 12 Year Option 4% Multi Choice 7 7% Premium 10% Annuitization MultiChoice Classic MultiChoice 10 2% or 4% Premium 1 Year S&P Monthly Point-to Point 2.50% Cap 2 Year S&P Point-to-Point 13.50% Cap Fixed Account 9 Year 3.60% 12 Year 3.60% 100% Participation A: One-Year Point-to- Point Multiple 6.50% Cap B: S&P 500 2yr point to point 13.00% cap C: S&P 500 1yr monthly average No cap, 1.5% Fee D. One Year Monthly Cap Strategy 2.35% Cap E: One Year Ave. Multiple : 10% Cap- 1.9% Fee F: Fixed Account 3.00% 100% Participation A: S&P 500 1yr point to point 6.50% cap B: S&P 500 1yr monthly average No cap, 1.9% Fee C: One Year Monthly Cap Strategy 2.35% Cap F: Fixed Account 3.00% 100% Participation A: S&P 500 1yr point to point 6.50% cap B: S&P 500 2yr point to point 13.00% cap C: S&P 500 1yr monthly average No cap, 1.9% Fee D: Fixed Account 3.00% 10% free withdrawal after first contract year withdrawal after 1 st Up to ½% of per month after 30 days. withdrawal after 1 st Up to ½% of per month after 30 days. withdrawal after 1 st Up to ½% of per month after 30 days. $5,000 $25,000 MN, NJ, NY, OK, OR, UT, VT, CT, DE, IL, IN, MD, MN, NY,OR, PA, UT, AL, CA, CT, DE, IL, IN, MD, MN, MO, NY, OK, OR, PA, SC, UT, VT, OR, NY account if 5 year annuitization is chosen, otherwise surrender ages 74 and below. 75 and above, 5 year payout 9 Year Option 10, 10, 9, 8, 7, 6, 5, 4, 2 12 Year Option 12, 12, 12, 12, 12, 11, 10, 9, 8, 7, 5, 3 (15 Years) 19, 18, 17, 16, 15, 14, 13, 12, 11, 10, 9, 8, 7, 6, 5% ,9,8,7,6,4% 10,10,9,9,8,7,6,5,4,2% 9 Year Ages 0-75: 6.00% Ages 76-80: 5.00% Ages 81-85: 4.00% 12 Year Ages Ages 76-80: 7.00% Ages 81-85: 6.00% 76-80: 6.50% 0-75: 6.00% 76-80: 5.00% 81-85: 4.00% 86-90: 0.40%.50% extra commission on amounts over 100k up to age : 8.5%* 81-85: 6.38% 86-90: 4.55% *Varies depending on bonus 2% on 90% of Premium in nonforfeiture states 3% on 75% of s credited to the contract in first year. 3% on 88% of additional s. in nonforfeiture states 3% on 75% of s credited to the contract in first year. 3% on 88% of additional s. 100% return of
7 MarketBooster 5% Premium 100% Participation in: A: S&P 500 1yr daily average 9.00% cap B: S&P 500 1yr point to point 7.00% cap C: Two Year Monthly Average NO CAP!!* D: Fixed Account 2.60% *Not approved in all states call for details of accumulated interest within the 1 st year (current company practice) CA, CT, DE, IL, MD, MA, MN, NJ, NC, NY, OK, OR, SC, TX, UT, VT, Accumulated upon death of owners 15, 15, 15, 15, 15, 13, 10, 8, 6% % Premium Varies by state EquiTrust Life A.M. Best A S&P A MarketSeven MarketValue 100% Participation in: A: S&P 500 1yr daily average 10.00% cap B: S&P 500 1yr point to point 7.50% cap C: Two Year Monthly Average NO CAP!!* D: Fixed Account 3.50% *Not approved in all states call for details 100% Participation in: A: S&P 500 1yr monthly average 9.00% cap B: S&P 500 1yr point to point 7.00% cap C: Two Year Monthly Average NO CAP!!* D: Fixed Account 3.00% *Not approved in all states call for details of accumulated interest within the 1 st year (current company practice) of accumulated interest within the 1 st year (current company practice) MA, MN, NY, OR, UT, VT, MA, NY, OR, UT, VT, Accumulated upon death of owners Accumulated upon death of owners 12, 12, 12, 10, 8, 6, 4% 12, 12, 12, 12, 11, 10, 8, 6, 4, 2% % 10% Premium Varies by state Premium Varies by state MarketPower SPDA 10% Premium on all 1 st year 100% Participation A: S&P 500 1yr daily aver 8.00% cap B: S&P 500 1yr point to point 6.50% cap C: Two Year Monthly Average NO CAP!!* D: Fixed 2.40% *Not approved in all states call for details of accumulated interest within the 1 st year (current company practice) CT, MA, MN, NJ, NY, OR, UT, VT,, WY Accumulated upon death of owners 20,20,19,19,18,17, 16,14,12,10,8,6,4, 2% % Premium Varies by state American Legend 1.5% Premium S&P 500 A: One Year Point to Point: 7.00% Cap B: One Year Monthly Average: 10.00% Cap C: Monthly Ave NO CAP 1.5% Fee D: Fixed Account: 3.00% 10% Penalty Free withdrawal including first year $5,000 MA, MN, NJ, ND, OR, PA, UT, 9, 8, 7, 6, 5, 4, 3% Q NQ 0-75: 5.50% 76-80: 5.10% 81-85: 3.50% 2.50% on 90% or Great American A.M. Best A S&P A- American Icon 5% if annuitized after year 4 for at least 7 years S&P 500 A: One Year Point to Point: 7.00% Cap B: One Year Monthly Average: 10.00% Cap C: Monthly Ave NO CAP 1.5% Fee D: Fixed Account: 3.00% 10% Penalty Free withdrawal including first year $5,000 MA, MN, NJ, OR, VT, VA 10, 9, 8, 7, 6, 5, 4, 3, 2, 1% Q NQ 76-80: 7.65% 81-85: 4.40% 2.50% on 90% or American Valor 5% Premium S&P 500 A: One Year Point to Point: 7.00% Cap B: One Year Monthly Average: 10.00% Cap C: Monthly Ave NO CAP 1.5% Fee D: Fixed Account: 3.00% 10% Penalty Free withdrawal including first year $5,000 AL, AK, CT, DE, IL, IN, IA, KY, MD, MA, MN, NE, NH, NJ, NC, ND, OK, OR, PA, UT, VT, VA, 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3% Q 0-83 NQ 0-75: 7.00% 76-80: 5.95% 81-83: 4.40% 2.50% on 90% or
8 ING A.M. Best A+ Fitch AA S&P AA Moody s Aa3 Jefferson Pilot Financial A.M. Best A++ S&P AAA Lincoln Benefit Life Best A+ S&P Rating AA ING Secure Opportunities Plus 5% Premium SPDA ING Secure Seven Optipoint JPF Opti 8 2% Years 1-3 JPF Opti 10 3% Years 1-4 JPF Opti 12 4% Year 1-5 JPF PRO 7 JPF PRO 13 1% Yrs 1-5 Saver s Annuity I () Saver s Annuity III () A: Pont to Point: 6.25% Cap B: Monthly Ave No Cap: 1.45% Fee C: Point to Point No Cap: 45% Participation Rate D: Fixed Account: 3.00% Rates are for $75,000 or more A: Pont to Point: 8.00% Cap B: Monthly Ave No Cap:.75% Fee C: Point to Point No Cap: 55% Participation Rate D: Fixed Account: 4.00% Rates are for $75,000 or more A: Fixed: 3.65% B: S&P 500 Performance Triggered: 5.60% C: S&P Year Point to Point: 14.00% D: S&P Yr Monthly Point to Point: 3.60% A: Fixed: 3.60% B: S&P 500 Performance Triggered: 5.50% C: S&P Year Point to Point: 13.75% D: S&P Yr Monthly Point to Point: 3.55% Option A: S&P Point to Point Annual Reset 100% PR 7.75% Cap Option B: S&P Point to Point Annual Reset 60% PR 8.75% Cap * Cap.50% higher for deposits of over $100,000 Option A: S&P Point to Point Annual Reset 100% PR 7.25% Cap Option B: S&P Point to Point Annual Reset 60% PR 8.25% Cap * Cap.50% higher for deposits of over $100,000 interest from fixed account within the 10% interest from fixed account within the 10% 10% Penalty Free withdrawal each policy year 10% Penalty Free withdrawal each policy year $15,000 $15,000 $50 Minimum additional 10% of account after year 1 $10,000 10% of account after year 1 CT, DE, IL, IN, MN, NJ, NY, OR, PA, UT, VT,, WY AL, CT, DE, IL, MD, MA, MN, NJ, NY, OR, PA, SC, UT, VT,, WY MA, MN, NY, OR, UT, MA, MN, NY, OR, UT CT, MA, MN, NY, OR, UT, MN, NY, OR, UT, AL, CT, DE, IL, MA, MN, NY, OR, UT, $10,000NQ $3,000 Q CT, MA, NJ, NY, OR, VT, MA, OR, NY, VT, Surrender or full if taken for 5 year minimum payout Accumulation Accumulation 16, 15, 14, 13, 12, 11, 10, 8, 6, 4% Surrender charges waived for death or confinement for 30 days or more in nursing home. 12, 11, 10, 10, 9, 8, 7% Surrender charges waived for death or confinement for 30 days or more in nursing home. 9, 8, 7, 6, 5, 4, 3, 2% 10, 9, 8, 7, 6, 5, 4, 3, 2, 1% 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1% % % , 8, 7, 6, 5, 4, 3% 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1% 10 Years 10, 10, 9, 9, 8, 7, 6, 4, 2 10 Years 10, 10, 9, 9, 8, 7, 6, 4, (annuitant) 0-99 (owner) (annuitant) 0-99 (owner) Q/NQ 0-75: 5.00% NQ 76-80: 4.00% NQ 81-85: 3.25% Q 76-80: 3.25% Q 81-85: 2.00% Q/NQ 0-75: 6.00% NQ 76-80: 4.75% NQ 81-85: 3.75% Q 76-80: 3.75% Q 81-85: 2.25% Q/NQ 0-75: 7.00% NQ 76-80: 5.50% NQ 81-85: 4.50% Q 76-80: 4.50% Q 81-85: 3.00% 0-75: 5.00% 76-80: 3.25% 81-85: 1.50% 76-80: 4.00% 81-85: 2.25% Owner 0-75: 5.00% Owner 76+: 3.50% Owner Owner 76+: 5.50%.25% Accum. Value after year % on 87.5% of 2.5% on 100% of 1.50% on 100% of 1% on 100% of s *Varies by state 3% on 90% of initial 3% on 90% of initial
9 F&G Life A.M. Best A S&P BBB Moody s Aa3 Rewards 5 SPDA Spectrum Choice 6% bonus on all first year 100% Participation - 5 options A: S&P 500 monthly ave annual reset 9.00% cap B: S&P 500 point to point annual reset 7.50% cap C: DJIA monthly average annual reset 9.00% cap D: DJIA point to point annual reset 7.50% cap E: Fixed Account 3.00% *varies by state 100% Participation 4 options A: 1yr monthly point to point 3.05% Cap B: 2yr monthly point to point 3.85% Cap C: 3yr monthly point to point 4.35% Cap D: Fixed Account 1.75% - varies by state 10% after year 1 $5,000 NY, ND, OK, OR 10% free withdrawal after 1 st year up to 25% of total s $10,000 CT, MA, MN, NV, NY, OK, OR, UT, VT, 9, 8, 7, 6, 5% : 4.00% 80-90: 2.00% Issue ages %, 16.5%, 15.5%, 14.5%, 13.5%, 12.5%, 11.5%, 10.5%, 9.5%, 8.5%, 7.5%, 6.5%, 5.5%, 4.5% Issue ages %, 13.25%, 13%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 5%, 4%,3%, 2% 0-79: 10.00% 8: 5.00% 1%-3% on 87.5% of *varies by state 1%-3% on 87.5% of *varies by state BMA RBC A.M. Best A S&P A Fitch A Master Dow 5 year Master S&P 7 year Master Dow 10 year A: Monthly Average Annual Reset: 10% Cap No Spread B: Fixed Account: 3.60% Fixed Account Guarantee 3% A: Monthly Average Annual Reset: 10% Cap 1% Spread B: Fixed Account: 3.75% Fixed Account Guarantee 3% A: Monthly Average Annual Reset: 10% Cap B: Fixed Account: 4.15% Fixed Account Guarantee 3% 10% of after first year or required minimum distribution. $5,000 IL, NJ, ND, NY, OR, $5,000 IL, NJ, ND, NY, OR, $5,000 ND, NJ, NY, OR, SC, 6, 6, 6, 4, 2% 8, 8, 8, 7, 6, 4, 2% 12, 12, 12, 11, 10, 9, 8, 6, 4, 2% NQ NQ NQ 0-75: 4.00% 76-80: 3.00% 81-85: 2.00% 0-75: 6.00% 76-80: 4.75% 81-85: 3.50% 76-80: 7.25% 81-85: 5.25% 3% on 94% of 3% on 92% of 3% on 88% of Equity Master Medicaid Compliant Ave. Annual Reset: 75% Participation Rate No Cap/No Spread B: Fixed Account: 3.00% $2,000 AL, AK, CT, LA, MA, MN, NH, NJ, NY, NC, ND, OK, OR, account 10, 10, 10, 9, 8, 7, 6, 4, 2% 0-75: 6.00% 76-80: 4.80% 81-85: 3.00% 3% on 85% of Standard Life of Indiana A.M. Best B Equity Master Plus Medicaid Compliant Annuitization 5% Ave Annual Reset: 12.00% Cap and 2.50% Spread* B: Fixed Account 3.00% *Spread applied first, then cap $2,000 AL, AK, CT, FL, LA, MA, MN, NH, NJ, NY, NC, ND, OK, OR, PA, SC, UT, account 12, 12, 12, 12, 12, 12, 12, 12, 12, 12% 76-80: 6.40% 81-85: 4.00% 3% on 85% of
10 Standard Life of Indiana A.M. Best B 5 Star Medicaid Compliant Equity Income Plus 10% Annuitization on Account Value Ave Annual Reset: 12% Cap 2.50% Spread* B: Fixed Account 3.00% *Spread applied first, then cap Ave Annual Reset: 12.00% Cap and 2.50% Spread* B: Fixed Account 3.00% *Spread applied first, then cap first year $2,000 $2,000 AL, AK, CT, LA, MA, NH, NJ, NY, NC, ND, OK, OR, PA, SC, VT, States Approved: AZ, AR, CA, DE, FL, ID, KS, MS, MO, NE, NV, OH, RI, SD, TN, WI, WY account 7, 6, 5, 4, 3% account 0-75: 20, 19, 18, 17, 16, 15, 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 2% 76-80: 20, 19, 18, 17, 16, 15, 14, 13, 12, 11, 10, 8, 6, 4, 2% 81-85: 15, 14, 13, 12, 11, 10, 8, 6, 4, 2% 0-75: 3.50% 76-80: 2.63% 81-85: 1.75% 0-50: 12.50% 51-75: 11.55% 76-80: 8.71% 81-85: 5.68% 3% on 90% 3% on 75 % of Equity Advantage Plus Medicaid Compliant 4% Premium 5% Annuitization Ave Annual Reset: 12.00% Cap and 2.50% Spread* B: Fixed Account 3.00% *Spread applied first, then cap $2,000 States Approved: AZ, AR, CA, DE, FL, ID, IN, MS, MO, NE, NV, OH, RI, TN, TX, WI, WY account 12, 12, 12, 12, 12, 12, 12, 12, 12, 12% 0-75: 4.50% 76-80: 3.60% 81-85: 2.25% 3% on 85% of Equity Gold 7.5% Premium S&P 500 Monthly Point to Point: 2.00% Cap Fixed Account: 2.00% $2,000 AL, AK, AR, CT, DE, FL, GA, IL, IN, IA, MD, MA, MN, MT, NH, NJ, NY, ND, OK, OR, PA, SC, TX, UT, account 17.5, 17, 16.5, 16, 15.5, 15, 14, 13, 12, 11, 10, 9, 8, 6, 4, 2% 76-80: 6.75% 81-85: 4.50% 3% on 85% of Keyport A.M. Best A++ Multipoint SPDA Sun Dex ProVantage Rolling Monthly average, annual highwater mark lock-in 5yr 85% PR, no cap 7yr 100% PR, no cap 10yr 110% PR, no cap S&P 500 Monthly Average Annual Reset: 8:00% Threshold 25% of interest earnings that exceed threshold are also credited Must keep minimum account balance of $4,000 $10,000 $10,000 AL, CT, IA, MN, MO, ND, NY, OK, OR, RI, TX, UT, VT,, WI CT, KY, NY, OR, UT, account account 10% of single NQ 0-75 Q 10, 10, 9, 8, 7, 6, 5, 4, 3% 10 yr: 10% 81-85: 6.00% 7 yr: 7.00% 81-85: 3.00% 5yr: 5.00% 81-85: 1.00% 1.75% on 90% of 0-80: 8.5% 81-85: 4.50% 1.75% on 90% of
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