A.M. Best A S&P AA- S&P AA- Monthly Pt-Pt w/ Annual Reset/Ratchet, Fixed Acct. Also Available

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "A.M. Best A S&P AA- S&P AA- Monthly Pt-Pt w/ Annual Reset/Ratchet, Fixed Acct. Also Available"

Transcription

1 Carrier Allianz Allianz Allianz American General American National Ratings Assets 53.2 Billion 53.2 Billion 53.2 Billion 30.9 Billion 12.9 Billion Product Name MasterDex MasterDex 5 MasterDex 10 HorizonIndex Value Lock 7 & 10 Crediting Method Monthly Pt-Pt w/ 5% Premium Bonus 10% Premium *Premium Bonus Premium Bonus Annual in 1 st Bonus in 1 st 9yr- 12yr-4% 7 year = N/A Reset/Ratchet 10 year = 5.0% Premium Listing Participation Rate Fixed Acct. Also Available Choice of S&P 500 or NASDAQ 100 for 3 Years $25 min 100% Participation Rate guaranteed Monthly 3.1% 1% Minimum Fixed Acct. 3.00% (2.0% Min.) Commission Yr1 Yrs2&3 Trail A B C Commissions reduced at ages 76+ Monthly Pt-Pt w/ Annual Reset/Ratchet, Fixed Acct. Also Available Choice of S&P 500 or NASDAQ 100 for 5 Years $25 min 100% Participation Rate guaranteed Monthly 2.8% 1% Minimum Fixed Acct. 3.00% (2.0% Min.) Yr1 Yrs2-5 Trail A B C Commissions reduced at ages 76+ Monthly Pt-Pt w/ Annual Reset/Ratchet, Fixed Acct. Also Available Choice of S&P 500 or NASDAQ 100 for 5 Years $25 min 100% Participation Rate guaranteed Monthly 3.5% 1% Minimum Fixed Acct. 3.25% (2.0% Min.) Yr1 Yrs2-5 Trail A B C Commissions reduced at ages Account Options 1) Fixed Acct 2) Monthly Pt-Pt w/ Ann. Reset/Ratchet 3) Biannual reset/ratchet pt-pt 9yr 12yr 2yr % 14.25% MoPt- 2.35% 2.35% Fixed- 3.85% 3.85% 100% PR guar. 2yr Min. CAP 5% Mo. Min. 1% Fixed Min. 2.0% 9yr 12yr % 9.0% % 5.0% % 3.5% Monthly average, point to point, with one-time lock-in of interest gained 100% participation rate guaranteed NO CAP guaranteed 7 year 0-75 = 6%, = 4% 10 year 0-75 = 10%, = 8% Issue Ages 0-85 Q or NQ 0-85 Q or NQ 0-85 Q or NQ 0-85 Q or NQ 0-80 Q or NQ Minimum Issue $25,000 Q&NQ $25,000 Q&NQ $2000 Q / $5000 NQ $5,000 Q&NQ $4000 Q / $5000 NQ Maximum Issue $1,000,000 (approval req. 500k+) Free Annual Partial 10% of prem. per yr up to 50% total Surrender Charges 10/9/8/7/6/5/4 +/- MVA 7 Years 75% of premium at Additional deposits allowed in 1 st 3 years do not options start in 2 nd year, based on AV at beginning of the year Death Benefit option of surrender value or payout of 5 yrs (min.) NH Waiver 30 days, after year 1, n/a in KS Client can walk away after $1,000,000 (approval req. 500k+) 10% of prem. per yr up to 50% total 15/14/13/12/11/10/9/8 7/6 +/- MVA 10 Years 80% of premium at Additional deposits allowed in 1 st will receive bonus and do not options start in 2 nd year, based on AV at beginning of the year Death Benefit option of surrender value or payout of 5 yrs (min.) NH Waiver 30 days, after year 1, n/a in KS Client can walk away after *Similar product in New York $1,000,000 (approval req. 500k+) 10% of prem. per yr up to 50% total Client can take lump sum of 87.5% of premium at 1.5% 75% of premium at This is a two-tiered product, client must annuitize this contract for 10yr min anytime after 5 th anniversary Additional deposits allowed in 1 st will receive bonus and do not options start in 2 nd year, based on AV at beginning of the year Death Benefit option of surrender value or payout of 5 yrs (min.) NH Waiver 30 days, after year 1, n/a in KS 20% or IO $1,000,000 $1,000,000 (approval req. 500k+ above age 75) 10% after year one 10% after year one 10/10/9/8/7/6/5/4/2-9yr 12/12/12/12/12/11 10/9/8/7/5/3 12yr +/- MVA Nursing home waiverfull surrender after 1 st policy year after 90days in nursing home Early annuitization after yr 5 for 5 yr min. payout Can reallocate between accounts every policy anniv. * Premium Bonus reduced if Lump Sum A.V. chosen NY, OR, UT, WA NY*, OR, UT, WA NJ, NY,OR, UT, WA MN, NJ, NY, OK, OR, UT, VT, WA - 12 year: N/A in CT 8/8/7/6/5/4/2-12/12/11/10/ 9/8/7/6/5/3 *88.75% of premium at 1.75% 7 and 10 year option *10 year minimum guarantee = 90.0% of premium at 1.75% 10 year not in CT, and MI 60 day NH & Disability Waivers Death Benefit will trigger lock-in option and gains will be paid out at that time Gains are credited at the end of the index term or at the lock in date, whichever is earlier DE,IL,,IA,MD,MA,MN NJ,NY,NC,ND,OR,PA UT, VT

2 Carrier American National Americo Equitrust Equitrust Ratings - S&P A- S&P A S&P A Assets 12.9 Billion 2.7 Billion 3.7 Billion 3.7 Billion Product Name Strategy Index Annuity Flex Plus VII Market Value Index Plus MarketPower Bonus Index Plus Crediting Method 2 Crediting Methods 5 crediting methods 4 Account Options 10% 1st Year Premium Bonus 1 Annual reset/ratchet point to point 2 Fixed Account 1 Uncapped Annual reset/ratchet w/ Monthly Average with Spread 2 ped Annual reset / ratchet w/ Monthly Average 3 Uncapped Annual reset / ratchet Pt Pt 4 ped Annual reset / ratchet Pt - Pt 5 Fixed Interest 1) Pt-Pt 2) Annual Reset Mo Avg. 3) 2 year reset Monthly Avg. 4) Fixed Account 1) Pt-Pt 2) Annual Reset Daily Avg. 3) 2 year reset Monthly Avg. 4) Fixed Account Premium Listing $84/mo. min addt l Participation Rate 100% participation rate guaranteed 7 year 10 year 1-8.0% 7.4% % 3.85% Minimum s 1 years 2-7 (4%) 2 after yr 7 and 10 (2%) % Spread (15% max spread) % (5% min. cap) 3 70% PR, 2.0% spread (25% min. PR, 4% max spread) 4 80% PR, 2.00% spread, 10% cap (25% min. PR, 4% max spread, 5% min. cap) % (**No min.) 100% PR Guar Pt-to-Pt 8.00% Mo Avg 11.00% 2yr Mo Avg No Fixed Acct-3.60% Minimum s 5% on Pt-Pt 6% on Mo. Avg 12% on 2yr Mo. Avg. Min. Fixed 2.0% Addt l deposits only in yr 1 100% PR Guar Pt-Pt 7.50% Daily Avg 10.00% 2yr Mo Avg No Fixed Acct-3.10% Minimum s 5% on Pt-Pt 6% on Daily Avg 12% on 2yr Mo. Avg. Min. Fixed 2.0% Commission 7 year 0-75 = 5%, = 4% = 10 year 0-75 = 8%, = 6.5% = 5% 0-75 = 7%, = 5.25%, = 10% for all ages Comm. reduced in CT, MN, and WA 8.5% all ages Comm. Reduced in IL Issue Ages 0-85 Q or NQ 0 85 Q or Non Q *0-80 Q or NQ *0-80 Q or NQ Minimum Issue $4000 Q / $5000 NQ $2000 Q / $5000 NQ $2000 Q / $5000 NQ $2,000 Q / $5000 NQ Maximum Issue $1,000,000 $500,000 $1,000,000 $1,000,000 Free Annual Partial Surrender Charges 10% after year one Interest only in yr 1 9/9/8/7/6/5/4 7/7/6/5/4/3/2 9/9/8/7/6/5/4/3/2/1 *75% of premium at 3.0% 1.5% in year 1 7 and 10 year option 60 day NH & Disability Waivers No early annuitization option Return of Premium, Lifetime Income and Enhanced Death Benefit Rider Please call CPS for details For ROP deduct.20% from Fixed Rate Option and/or.50% from CAP rate MD,MA,MN,MT,NC,ND, NY,OK,OR,PA,TX,UT,V T,WA * 87.5% of premium at 1.5% in years day N/H waiver yr 5 for min. of Additional deposits do not AL, IA, MA, MN, NJ NY, ND, OR, PA, UT WA 10% after year one 10% after year one 12/12/12/12/11/10/8/6 4/2 10 Years+ or MVA 87.5% of premium at have their own surrender Nursing home waiver up to issue age 75 all states yr5 for 5yr Minimum Modified surrender charge schedule for CT, MN and WA Call for details 2 year Mo. Avg. N/App in DE NY, OR, UT 20/20/19/19/18/17/16 14/12/10/8/6/4/2 14 Years + or MVA 87.5% of premium at Nursing home waiver up to issue age 75 all states yr5 for 10yr Minimum IL has a different surrender schedule (10 year product) * Issue ages differ in IN (0-76) and KY (0-78) CT,DE,MN,NY OR,UT,WA

3 Carrier F&G F&G F & G F & G Genworth Life Ratings - Assets 17.4 Billion 17.4 Billion 17.4 Billion 17.4 Billion 58.3 Billion Product Name Index Rewards 5 Loyalty Rewards Escalator 6,8,10,12 Spectrum Rewards Choice 7 Spectrum Rewards Choice 9 Secure Living Classic Crediting Method 5 Crediting Method Options 4 crediting methods 1 st year Premium Bonus Point to Point 1)Pt-Pt S&P500 2)Mo Avg S&P 500 3) Pt-Pt DJIA 4) Mo Avg DJIA 5) Fixed Acct. *1% Premium Bonus paid annually 4 crediting methods 1 - w/ Monthly Average 2 - Annual reset / ratchet Pt - Pt 3 - Annual reset / ratchet, Monthly Pt - Pt 4 Fixed Interest 1 - w/ Monthly Average 2 - Annual reset / ratchet Pt - Pt 3 - Annual reset / ratchet, Monthly Pt - Pt 4 Fixed Interest Premium Listing $2,000 min. add l Participation Rate 100% PR Guar. 100% PR Guar. Mo. Avg 12% Pt-Pt % Minimum 5% Fixed Acct-4.00% Min. Fixed 2.00% (Floating 3.00%) Commission 4% ages % yr 8yr 10yr 12yr 1- Mo. Avg. ( min) 10.5%11.5%11.75%12% 2-Ann.Pt topt ( min) 8.25% 8.75% 9.0%9.0% 3- Mo Pt-to-Pt (1% min) 3.00%3.10%3.15%3.2% 4 -Fixed (2.0% / Floating min.) 3.0%3.05%3.15%3.25% s & Rates: %(min) % (min) % (1%min) Fixed Account *3.75% (3.00%min) **3.75%(2.30%min) 4 crediting methods 1 - w/ Monthly Pt-Pt 2 2 year reset w/ Monthly Pt - Pt 3-3 year reset w/ Monthly Pt - Pt 4 Fixed Interest $2,000 min. add l 100% PR Guarantee s & Rates: % (1% min) % (1% min) % (1% min) Fixed Account *3.10% (3.00%min) **3.10%(2.min) No fixed account S&P % PR Guaranteed 75k+ 7yr 9.00% 9.75% Min yrs % Thereafter 3.00% % ages % ages = 5.00% 6yr 4.0% 2.00% 3.5% ages % ages = 2.70% 8yr 5.5% 2.75% See below for trail info = 1.05% 10yr 6.5% 3.25% 12yr 7.5% 3.75% Issue Ages 0-90 Q or NQ 0 85 Q or Non Q 0-85 Non Q and Q 0-85 Non Q and Q 0-85 Non Q and Q Minimum Issue $5,000 $10,000 Q and Non Q $25,000 $25,000 $5K NQ / $2K Q Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $500,000 Free Annual Partial 10% after year one 10% after year one 10% after year one 10% after year one 10% immediately Surrender Charges 9/8/7/6/5 17.5/16.5/15.5/ /11/10/8/6/4/2 12/11/10/9/8/7/6/4/2 9/9/8/7/6/5/4 13.5/12.5/11.5/ Years 7 Years 9.5/8.5/7.5/ years *100% of premium at 3.0%(See below) **87.5% of premium at 2.35% (Floating) **100% of premium at 2.35% **100% of premium at 2.35% 1.5% Nursing Home Waiver 60 days yr 5 for 5 or more yrs yr 5 for 5 or more yrs N/H waiver in most states Terminal Illness and Unemployment waiver *1.5% minimum in AR, FL, MD, WY s and fixed rates are different in these states option ND, NY, OK, OR Surrender schedule is lower for 6, 8 and 10 year options 60 day N/H, 30 day unemployment, and Terminal Illness waivers **3.0% min. guarantee in CA,IL,MN,UT *1.5% minimum in MD, and WY option Addt l deposits do not charge period MA, NY, OR, UT, VT, WA option Terminal illness, unemployment, and 60 day Nursing Home waivers ^Similar product in NY please call for details Addt l deposits do not charge period *1.5% minimum in MD, and WY CT, MN, NY^, ND, OK, OR, UT, WA option Terminal illness, unemployment, and 60 day Nursing Home waivers *1.5% minimum in MD, and WY CT, MN, NY, ND, OK, OR, UT, WA year 1 for a minimum of 10 years IA, IL, MA, MD, MN, MS, ND, NJ, NY, OK, OR, PA, UT, VT, WA

4 Carrier Great American ING USA ING USA ING USA ING USA Ratings S&P A- Assets 8.0 Billion 52.4 Billion 52.4 Billion 52.4 Billion 52.4 Billion Product Name American Valor II Secure Index Secure Index 7 Secure Index 5 Opportunities Plus Crediting Method *7.5% Premium Bonus in first 3 years 4 Crediting Methods 4 Crediting Methods 5% Premium Bonus Premium Listing Participation Rate 2 Crediting Methods 1 Annual reset / ratchet w/ Daily Average 2 Annual reset / ratchet with Monthly Average 3 Fixed Account $2,000 Q / $5,000 NQ 1 90% PR, No, No Spread 2 100% PR, No, 1.25% Spread % (3.0% Min) Max Spread = 8% Commission 0-75NQ / 18-75Q = 7.5% = 6.15% = 4.20% Pt to Pt 2 index strategies: Traditional &Guaranteed plus a fixed account Guaranteed Strategy applies 2% minimum growth each year $50 min. add l 100k+ Trad l 7.50% 8.25% Guar. 6.00% 6.75% Min. Rate = 0%/ 2% 100% Participation Rate Fixed Acct 4.20% (3.0% min.) 5% ages 0-80 s 1 Monthly average with spread 2 Annual reset/ 3 Annual reset / Participation 4 Fixed Account $50 min. addt l 15K 75K % 0.55% % 8.50% 3-50% 55% % 4.40% (Min.Guarantee = 1.5%) No Min. Guar s for 15K / 75K 0-80 = 5.0% s 1 Monthly average with spread 2 Annual reset/ 3 Annual reset / Participation 4 Fixed Account $50 min. addt l 15K 75K % 0.60% % 8.00% 3-50% 55% % 4.10% (Min. Guarantee = 1.5%) No CAP guaranteed 0-80 = 4.0% s 4 Crediting Methods 1 Monthly average with spread 2 Annual reset / 3 Annual reset / Participation 4 Fixed Account 15K 75K % 1.05% % 6.75% 3-45% 50% % 3.55% (Min.Guarantee = 1.5%) No Min. Guar s for 15K / 75K 0-80 = 8.5% s Issue Ages 18-85Q / 0-85NQ 0-80 Q or Non Q 0-80 Q or Non Q 0-80 Q or Non Q 0-80 Q or Non Q Minimum Issue $10,000 $5,000 $15,000 / $75,000 $15,000 / $75,000 $15,000 / $75,000 Maximum Issue $750,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial 10% Immediately Interest only in yr 1 Int. only in yr 1 Int. only in yr 1 Int. only in yr 1 Surrender Charges ** 10/9/8/7/6/5/4/3/2/1 * Premium Bonus for payments received in first 3 years of contract. 5% for ages ** Under year product 90 day N/H and terminal Illness waiver in all states where product is year 1 for a minimum of 7 years 12/12/12/10/8/6/4 yr 3 for 5 or more years Additional deposits do not reset the surrender waiver (n/a in MA, TX) Surrender applies to total annual withdrawal if more than 10% Product still approved in the states listed below: MA, MN,UT, VT 12/11/10/10/9/8/7 * 3.0% Death Benefit: Accumulation Value or Min. Guarantee less surrender yr 1 for a min. of 10 yrs Waiver *Min. Guarantee for 1 st 7 years, then will be floating between 1.0%- 3.0% each contract ann. Based on 5 year treasury less 1.25%% 8/7.5/6.5/5.5/4.5 * 1.5% Death Benefit: Accumulation Value or Min. Guarantee less surrender yr 1 for a min. of 10 yrs Waiver *Min. Guarantee for 1 st 9 years, then will be floating between 1.5%- 3.0% each contract ann. Based on 5 year treasury less 1.25%% 16/15/14/13/12 11/10/8/6/4 *87.5% of premium at 3.0% Death benefit: Accumulation Value or yr 5 for a 10 yr. minimum Waiver *Min. Guarantee for 1 st, then will be floating between 1.0%- 3.0% each contract ann. Based on 5 year treasury less 1.25%% CT, IL, IN, MA, MN, MS, MT, NV, NJ, NY, ND, OR, PA, TX, UT, VT States where Secure 7 is approved MA, MN, NY, OR, UT, VT MA, MN, NY, OR, UT, VT CT, DE, IL, IN, MA, MN, NJ, NY, OR, PA, UT, WA, WY

5 Carrier ING USA Jefferson Pilot Jefferson Pilot Jefferson Pilot Lafayette Life Ratings + + Assets 52.4 Billion 16.6 Billion 16.6 Billion 16.6 Billion 1.7 Billion Product Name Selectra New Directions I-66 and I-88 OptiChoice 5, 7, 9 OptiPro 13 Marquis Flex minimum Crediting Method 2 indexed strategies: 1) 1)2 Yr reset/ratchet 1) Annual reset Ptto-Pt 1% premium bonus for 2 Crediting Options: first 1)Annual Total Return Bond pt-to-pt strat. Return tied to 3 reset/ratchet, pointto-point index acct bond indices (Lehman 4 crediting methods 2) Ann. reset/ratchet 2) Annual reset w/ Bros. Investment grade & corporate, Merrill performance Monthly 1-2 yr reset/ratchet w/ 2)Fixed acct. Lynch convertible). triggered acct (PTA) Monthly Average Gain/loss credited w/ 3) Annual reset 2-2 year reset / 5 and 10 year movement from this 3)MYG Fixed acct Monthly Avg. w/ ratchet, Monthly Pt Pt acct. Can move only Spread 3- Ann. reset/ratchet 20% from this strat. performance triggered every anniv. 2) S&P acct (PTA) 4) Fixed Account 500 Ann. reset/ratchet 4- Fixed Interest w/ mo. avg, 1 yr. fixed; can move between accts w/in 30 days of anniv. Premium Listing Min. Add l $50 $50 min addt l $50 min. addt l $84/mo. minimum additional Participation Rate Spread 1.10% yr 7yr 9yr s/ Min. Guar. 5yr 10yr Fixed Acct 3.35% 2yr % 19.25% 1) 8.00% 8.10% 8.20% % (7% min) PR 100% 100% Total Return PTA- 7.00% 7.10% 2) 2.60% 2.65% 2.70% % (1% min) CAP 4.50% 5.25% Fixed- 4.70% 4.75% 3) 0.90% 0.80% 0.70% Fixed 3.25% 3.75% Quarterly Rate % (2.5% min) 4) 4.35% 4.40% 4.45% 3.75% 100% PR guar. 1) Min. (2.50%) % (1% min) No CAP guaranteed 2yr Min. CAP 10% PTA Min. 2) Min. (1.00%) 3) Max sprd. (9.00%) Min. PR - 25% Min CAP - Max spread 8.95% Fixed Min. 1.75% 4) Min. (1.00%) Commission % 0-75, 2.25% 5yr 7yr _ 9yr 5yr 4.5%,3.5% % yrs , 1% % 6.0% 7.0% 0-75 = 8% 4% yrs % 0-75, %4.25% 4.75% 80, 1.5% %2.75% ** 10yr 5.5%, 4.5% Issue Ages 0-80 Q or Non Q 0-85 Q & NQ 0-85 Q & NQ (5&7yr) 0-80 Q & NQ (9yr) 0-75 Q or Non Q 0-85 Q & NQ (5&7yr) 0-80 Q & NQ (10yr) Minimum Issue $5,000 $10,000 $2000 Q / $5000 NQ $2000 Q / $5000 NQ $1,000 Maximum Issue $1,000,000 Ages 0-65 = $2 million Ages 0-65 = $2 million $1,000,000 $1,000,000 Ages 65+ = $500K Ages 65+ = $500K Free Annual Partial 10% after year one 10% immediately 10% immediately 10% immediately 10% after year one Surrender Charges Ages /12/11/10/9/ 8/7/6/4/2 + or MVA & TRA 1.5% ( in MN) yr 1 for 10 or more yrs Surrender and MVA apply to total annual withdrawal if more than 10% waiver (n/a in MA, TX) s CA, ME, MA, NY, OR, VT, WA 9/8/7/6/4.75/ Years 9/8/7/6/4.75/3.5/2/ Years + or MVA 1.75% Performance triggered account interest applied if S&P did not go down for that year Funds in 2 year pt-to-pt can only be reallocated every 2 yrs Fixed acct rate is guar for the life of the contract 9/8/7/6/5 5 yrs. 9/8/7/6/5/4/3 7 yrs. 9/8/7/6/5/4/3/2/1 9 yrs. (+ or MVA) **100% of prem. at 5/1.25%, 7/1.50%, 9/1.75% Addt l deposits do not 30 day NH waiver and Terminal Illness waivers yr 5 for min. of **Can issue ages with exception form 13/12/11/10/9/8 7/6/5/4/3/2/1 13 years (+ or MVA) *100% of premium at 1.5% Addt l deposits do not Addt l deposits go in to fixed account until contract anniversary yr 5 for min. of No N/H or DI waiver *1.70% min. guarantee in AK, CA, CO, DC,GA, IN, IA, ID, KS, LA, ME, MI, MT, NH, NM, NV, NC, ND, RI, TX, VA, VT, WI MN, NY, OR, WA NY, OR AL, CT, DE, IL, MA, MN, NY, OR, UT, WA 8/7/6/4/2 5 Years 9/9/8/7/6/5/4/3/2/1 10 Years on 100% of AV Nursing Home s 25% after year one Add l deposit in EIA accts. Have own start and end points 100% if terminally ill Only in OR

6 Carrier Lafayette Life Lincoln Benefit Lincoln Benefit Lincoln Benefit Lincoln Benefit Ratings + + Assets 1.7 Billion 3.1 Billion (76 Billion Allstate) 3.1 Billion (76 Billion Allstate) 3.1 Billion (76 Billion Allstate) 3.1 Billion (76 Billion Allstate) Product Name Marquis Advant-Edge (2%) Saver s Index I Saver s Index III Saver s Index Plus Saver s Index Premier Crediting Method 2 Crediting Options: 1)Annual reset/ratchet, pointto-point index acct 2)Fixed acct. Pt to Pt point to point 5 crediting methods Premium Bonus 5 crediting methods 5 and 10 year Premium Listing. $84/mo. minimum additional Participation Rate 5yr 10yr PR 100% 100% CAP 5.75% 6.25% Fixed 3.5% 4.0% Min. PR - 25% Min CAP 2% for years 1-10, policy years 11+ Commission 5yr 4.5%,3.5% Crediting Options based on participation rate PR 100k+ 60% 8.50% 9.00% 100% 7.50% 8.00% Bailout Provision client can leave contract if renewal cap is 2% less than issue cap 5% % 76+ Based on owner age 10yr 5.5%, 4.5% Issue Ages 0-85 Q or NQ Owner 0-90, Annuitant 0-75 Q or Non Q 2 Crediting Options based on participation rate Min. Add l $250 PR 100k+ 60% 7.50% 8.00% 100% 6.50% 7.00% Bailout Provision client can leave contract if renewal cap is 2% less than issue cap 8% % 76+ Based on owner age Owner 0-90, Annuitant 0-85 Q or Non Q 1. Ann. reset/ratchet pt-to-pt 2. Ann. reset/ratchet pt-to-pt w/ low water mark 3. Ann. reset w/ Mo. Avg 4. Ann. reset w/ Mo. 5. Fixed account S&P 500 Under $100K 100K % 8.00% % 7.75% % 12.00% % 2.30% % 3.90% Min. fixed acct = 2.0% 100% PR Guaranteed 0-75 = 4% = 2.80%.25% trail yrs Ann. reset/ratchet pt-to-pt 2. Ann. reset/ratchet pt-to-pt w/ low water mark 3. Ann. reset w/ Mo. Avg 4. Ann. reset w/ Mo. 5. Fixed account Under $100K 100K % 7.00% % 6.87% % 11.00% % 2.10% % 3.40% Min. fixed acct = 2.5% 100% PR Guaranteed 0-75 = 7.25% = 5.075% Minimum Issue $1,000 $10,000 $10,000 $10,000 $10,000 Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial 10% after year one 10% after year one 10% after year one 10% after year one 10% after year one Surrender Charges 8/7/6/5/4 8/8/8/8/8/8/8 10/9/8/7/6/5/4/3/2/1 8/8/7/6/5 12/11/10/9/8/7/6/5 10/10/9/9/8/8/7/6/5/4 10 Years** 2.0% on 100% of AV 2.0% 2.5% Nursing Home s 25% after year one *60 day window after 5 years to leave contract with no surrender Add l deposit in EIA accts. Have own start and end points 100% if terminally ill year 1 w/ no surrender min. 3 years 45 day end of 7th yr to move money Confinement, Terminal Illness and Unemployment waivers in most states Saver s Index I is filed under different name in SC Addt l. deposits do not yr 5 for 5 yr min. Confinement, Terminal Illness and Unemployment waivers in most states *ADL Rider Call for details 5 year contract Confinement, TI, and unemployment waiver Return of premium guarantee rider *ADL Rider Call for details 10 year contract Confinement, TI, and unemployment waiver Return of premium guarantee rider *ADL Rider Call for details AK, NJ, NY, OR, SC *ADL Rider Call for details CT, MA, NJ, NY, OR, UT, VT MA, OR, VT CT,DE,IL,MA,MN,NJ NY,OR,TX,WA CT,DE,IL,MA,MN,NJ NY,OR,PA,TX,UT,WA

7 Carrier Principal Life RBC Insurance RBC Insurance RBC Insurance Ratings Assets Billion 3.75 Billion 3.75 Billion 3.75 Billion Product Name Performance Annuity Index Master Dow 5 Index Master S&P 7 Index Master Dow 10 Crediting Method 7 year contract Indexed Account - Indexed Account - Indexed Account - point to point with monthly average with monthly average with monthly average No fixed account Fixed account also Fixed account also Fixed account also DJIA Index Premium Listing $1,000 min add l Participation Rate 100% PR 100% participation rate Guaranteed guaranteed 10% CAP 0% spread 100% PR 8.0% - 7 year 8.5% - 7 yr - $50K+ Min. cap 5% Min CAP 10% Max spread 5% Fixed acct 4.30% Min. Guar. 3.00% $1,000 min add l 100% participation rate guaranteed 10% CAP 1% spread Min CAP 10% Max spread 5% Fixed acct 4.45% Min. Guar. 3.00% DJIA Index $1,000 min add l 100% participation rate guaranteed 12% CAP 0% spread Min CAP 10% Max spread 5% Fixed acct 4.90% Min. Guar. 3.00% Commission % 76-above Reduced over $2 Million Issue Ages 0-85 Q & NQ 0-77 Q, 0-85 NQ 0-77 Q, 0-85 NQ 0-77 Q,0-85 NQ Minimum Issue $5,000 $5,000 Q&NQ $5,000 Q&NQ $5,000 Q&NQ Maximum Issue $1,000,000 $500,000 $500,000 $500,000 Free Annual Partial 10% Immediately 10% after year one 10% after year one 10% after year one Surrender Charges 8/8/7/6/5/4/3 6/6/6/4/2 8/8/8/7/6/4/2 12/12/12/11/10/9 8/6/4/2 - Nursing Home waiver 60 days Terminal Illness and Disability waivers 94% of premium at year 2 for 6 year minimum PR, CAP and Spread applied in that order NH Waiver 90days, after year 1 (n/a in MA) TI Waiver (n/a in MA,TX) 92% of premium at year 2 for 6 year minimum PR, CAP and Spread applied in that order NH Waiver 90days, after year 1 (n/a in MA) TI Waiver (n/a in MA,TX) 88% of premium at year 2 for 6 year minimum No spread ever in IL PR, CAP and Spread applied in that order NH Waiver 90days, after year 1 (n/a in MA) TI Waiver (n/a in MA,TX) NY HI, IL, NJ, NY, ND, OR, WA HI, IL, NJ, NY, ND, OR, WA HI, NJ, NY, ND, OR, SC, WA

8 Carrier Standard Insurance Sun Life Financial Sun Life Financial West Coast Life Ratings S&P A Assets 10.8 Billion 39.2 Billion 40.3 Billion 2.7 Billion Product Name Index Growth Annuity 5 and 7 Keyport Index Multipoint SunDex ProVantage Index Advantage Annuity Crediting Method 5 and 7 year contract 5 and 7 Year Contract 1) Annual reset/ratchet point to point Cumulative averaging with annual high water mark monthly average with a soft cap 25% Participation End point is highest Rate for gains running averaged above the cap 2) Fixed Account year end Premium Listing - $1,000 Min. Add l Participation Rate 5yr 7yr PR 100% 100% CAP 8.00% 8.25% 100K+ 9.00% 9.00% Fixed 3.60% 3.60% Min Fix 3.0% Min 2.15% Bailout provision if cap drops 2% lower then initial rate Commission 5 year 7 year 0-80 = 4.50% 5.5% = 2.25% 2.75% = 1.85% 2.25% 1 Yr: 30% PR 10% CAP 5 Yr: 80% PR 7 Yr: 100% PR 10 Yr: 111% PR NO on 5,7, and 10 yr 1% on 1 yr, 5% on 5 yr, 7% on 7 yr, 10% on 10 yr Reduced age % Participation Rate up to the. 25% PR above Guaranteed 9% No minimum cap No fixed account % % See below for trail options (B&C) 1)Annual reset / ratchet, Pt to pt 2)Fixed account - $1,000 Min. Add l 100% PR Guaranteed 50k+ Fixed 5yr 6.75% 7.25% 3.95% 7yr 7.25% 7.75% 4.20% Min. 5% Min. Fixed 2.85% 5yr % % 7yr 5% % Issue Ages 0-90 Q & NQ 0-85 Non Q; 0-75 Q 0-85 Q & NQ 0-85 Q & NQ Minimum Issue $15,000 $10,000 $10,000 $10,000 Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial 10% immediately Annually vested portion 10% after year one 10% every year Surrender Charges 8/7/6/4/2 9/8/7/6/5/4/2 SV = 90% of premium + vested credit 10/10/9/8/7/6/5/4/3 9 years 9/9/8/7/6 5years 9/9/8/7/6/5/4 7years *100% of premium at 2.65% *100% of premium at 1.50% in WY 31 day Nursing Home, and terminal Illness waiver MA, NY, PA 1.75% 1, 5 or 7 year contract Call for details on Vesting Schedule Participation rates and CAPs guaranteed for life of the contract min., lower rates, and lower comp in UT MO, ND, NY, OR, OK, UT, WA 1.75% Option B % with.50% trail in years % with.50% trail in years 2+ Option C % with 1.00% trail in years day Nursing home waiver CT, KY, MA, NY, OR, UT, WA 2.25% 5 and 7 year contract year 3 for 5 year min. and default to fixed account until anniversary 90 day Nursing home waiver, terminal illness waiver Higher band can be achieved through growth in accumulation value DE, NY, OR, WA

Fixed Indexed Annuity Rates

Fixed Indexed Annuity Rates Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity

More information

Indexed Annuities Last update June 22, 2015 SPDA. Ages 0-80 NQ/Q

Indexed Annuities Last update June 22, 2015 SPDA. Ages 0-80 NQ/Q American National Genworth Strategy Index Plus 7 Strategy Index Plus 10 Value Lock 10 Secure Living Index 5 Secure Living Index 7 A AM Best A AM Best A AM Best A AM Best A AM Best A Standard & Poors A

More information

Allianz Life Insurance Company of North America MasterDex X Annuity PFG Marketing Group, Inc.

Allianz Life Insurance Company of North America MasterDex X Annuity PFG Marketing Group, Inc. A Fixed Indexed Annuity with a 10-year surrender period. This product is not available in CT NY PR VI Ratings A.M. Best : A Moody's: A2 Standard & Poor's: AA Rates Current Rates 01/06/2015 Guaranteed Minimum

More information

American Equity Investment Life Insurance Company Bonus Gold (Index 1-07) PFG Marketing Group, Inc.

American Equity Investment Life Insurance Company Bonus Gold (Index 1-07) PFG Marketing Group, Inc. A Fixed Indexed Annuity with a 16-year surrender period. This product is not available in AK AL CT DE MN NJ NV NY OH OK OR PR TX UT VI WA Ratings A.M. Best : A- Standard & Poor's: BBB+ 1 Year S&P 500 Annual

More information

Athene Annuity (DE) Rates

Athene Annuity (DE) Rates January 29, 2015 Athene Annuity (DE) s Athene Benefit 10 SM, Athene Choice, Athene Max and Athene 7 MYG SM rates will remain unchanged for the Athene Annuity (DE) product series. Guaranteed payout rates

More information

FIXED ANNUITY PRODUCTS

FIXED ANNUITY PRODUCTS Allianz AMBest A; S&P AA; Comdex 85; $68.6Bil Allianz AMBest A; S&P AA; Comdex 85; $68.6Bil American National Am Best A; S&P AA; Comdex 94; $13.8Bil American National Am Best A; S&P AA; Comdex 94; $13.8Bil

More information

State Availability. 4% Premium Bonus 1 st 3 Yrs.* Free Withdrawal: lifetime maximum of 100% of the cash surrender value. Minimum Premium: $20,000 NQ/Q

State Availability. 4% Premium Bonus 1 st 3 Yrs.* Free Withdrawal: lifetime maximum of 100% of the cash surrender value. Minimum Premium: $20,000 NQ/Q FIXED INDEX ANNUITIES Rates as of November 6, 2015 Fixed Annuities November 6, 2015 Allianz Life Insurance Company of North America MasterDex X (FPDA for 3 years) C52575 Opt. A Monthly Sum Annual Pt to

More information

State Availability. 4% Premium Bonus 1 st 3 Yrs.* Free Withdrawal: Minimum Premium: $20,000 NQ/Q. Maximum Premium: 1 million w/o home office appr.

State Availability. 4% Premium Bonus 1 st 3 Yrs.* Free Withdrawal: Minimum Premium: $20,000 NQ/Q. Maximum Premium: 1 million w/o home office appr. FIXED INDEX ANNUITIES Rates as of December 4, 2015 Fixed Index Annuities December 4, 2015 Product / Participation Rate Interest Crediting Strategies Allianz Life Insurance Company of North America MasterDex

More information

Annuity Product Reference Guide. 10.00% Premium Bonus!!! EQUITY INDEXED. February. OPEN HERE! Your potential annuity sales await! Contact us Today!

Annuity Product Reference Guide. 10.00% Premium Bonus!!! EQUITY INDEXED. February. OPEN HERE! Your potential annuity sales await! Contact us Today! Last Updated 02/06/15 EQUIT Annuity Product Reference Guide Ring the Bell with... MarketPower Bonus Index 10% -Bonus Vested day 1 4 Index strategies and Fixed Account at 1.30% 10% Annual Free s After First

More information

The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system

The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system INTEREST RATES - June 16, 2016 to July 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any Continuing

More information

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP INTEREST RATES - August 16, 2016 to September 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any

More information

The Lincoln National Life Insurance Company Variable Life Portfolio

The Lincoln National Life Insurance Company Variable Life Portfolio The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE

More information

December 2015 FIXED ANNUITIES

December 2015 FIXED ANNUITIES Allianz Life MasterDex X (Indexed) 4% Bonus 1.60% Fixed $20,000 NQ $20,000 Q (Additional premium accepted through first three contract years.) After first year, 10% of premium paid is available each contract

More information

Other State Policy. CA Policy. Increase Requested

Other State Policy. CA Policy. Increase Requested Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006

More information

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 10-12-15

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 10-12-15 NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 10-12-15 NY LONG TERM CARE BROKERS, LTD. 11 EXECUTIVE PARK DRIVE, CLIFTON PARK, NY 12065 800-695-8224 or 518-371-5522 EXTN: JOE=109 COMPANY & PLAN MIN.

More information

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 11-04-15

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 11-04-15 NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 11-04-15 NY LONG TERM CARE BROKERS, LTD. 11 EXECUTIVE PARK DRIVE, CLIFTON PARK, NY 12065 800-695-8224 or 518-371-5522 EXTN: JOE=109 COMPANY & PLAN MIN.

More information

Final Expense Life Insurance

Final Expense Life Insurance Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

More information

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants

More information

FIUL. Fixed Indexed Universal Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life

FIUL. Fixed Indexed Universal Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life FIUL Fixed Indexed Universal Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life The future starts today not tomorrow. FIUL Consumer Brochure Wise Financial Thinking for Life Sagicor Life

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

More information

Single Premium Immediate Annuities Last update November 24, 2014

Single Premium Immediate Annuities Last update November 24, 2014 AIG Annuities Allianz American National Genworth Genworth NY Amer. Pathway Immediate Immediate Annuity Palladium Immediate Annuity SL Income Provider SL Income Provider NY A Best A Best A Best A Best A

More information

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is

More information

New York Public School Spending In Perspec7ve

New York Public School Spending In Perspec7ve New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

More information

State Corporate Income Tax-Calculation

State Corporate Income Tax-Calculation State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

More information

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium

More information

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

More information

Florida Workers Compensation Market

Florida Workers Compensation Market Florida Workers Compensation Market Lori Lovgren Lori_Lovgren@NCCI.com 561-893-3337 Copyright 2011 National Council on Compensation Insurance, Inc. All Rights Reserved. Florida Workers Compensation Rates

More information

NHIS State Health insurance data

NHIS State Health insurance data State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

More information

Single Premium Life Insurance Source List

Single Premium Life Insurance Source List Allianz Life 800-950-7372 www.allianzlife.com GenDex Momentum MA NY OR 0-80 $5,752 2% 100000 15 years. Actual charge varies by risk class at time of issue. 8 different indexing options available with fixed

More information

Regional Electricity Forecasting

Regional Electricity Forecasting Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

More information

NAAUSA Security Survey

NAAUSA Security Survey NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking

More information

TITLE POLICY ENDORSEMENTS BY STATE

TITLE POLICY ENDORSEMENTS BY STATE TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies

More information

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 08-01-16

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 08-01-16 NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 08-01-16 NY LONG TERM CARE BROKERS, LTD. 11 EXECUTIVE PARK DRIVE, CLIFTON PARK, NY 12065 800-695-8224 or 518-371-5522 EXTN: JOE=109 PAUL =151 COMPANY

More information

Florida Workers Comp Market

Florida Workers Comp Market Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office

More information

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend

More information

10% Annuity Product Reference Guide. Help your clients get a JUMP START on their Retirement Vehicle! EQUITY INDEXED. June

10% Annuity Product Reference Guide. Help your clients get a JUMP START on their Retirement Vehicle! EQUITY INDEXED. June Last Updated 06/01/16 Enter Company ame Here Enter Company Phone Here EQUIT Annuity Product Reference Guide Help your clients get a JUMP START on their Retirement Vehicle! 10% Up to 2 Bonus 2016 June OPE

More information

State Annual Report Due Dates for Business Entities page 1 of 10

State Annual Report Due Dates for Business Entities page 1 of 10 State Annual Report Due Dates for Business Entities page 1 of 10 If you form a formal business entity with the state, you may be required to file periodic reports on the status of your entity to preserve

More information

Life Settlements Source List

Life Settlements Source List BROKERS Ashar Group LLC - Life Settlement Specialists 407-772-1818 www.ashargroup.com Except AK NH VT Except AK NH VT Varies based on current market opportunities and groups that pass Ashar s due diligence

More information

Standardized Pharmacy Technician Education and Training

Standardized Pharmacy Technician Education and Training Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses? Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

More information

Catch The Genworth Linked Benefit Wave

Catch The Genworth Linked Benefit Wave Catch The Genworth Linked Benefit Wave Producer s Summit April 2, 2011 116346B 03/22/11 2011 Genworth Financial, Inc. All rights reserved. For [Agent/]Producer Use Only. Not to be reproduced or shown to

More information

Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN

Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN Instructions Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN Retired Public Safety Officers can use this

More information

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE

More information

Building a Market for Small Wind: The Break-Even Turnkey Cost of Residential Wind Systems in the United States

Building a Market for Small Wind: The Break-Even Turnkey Cost of Residential Wind Systems in the United States Building a Market for Small Wind: The Break-Even Turnkey Cost of Residential Wind Systems in the United States Ryan H. Wiser Lawrence Berkeley National Laboratory rhwiser@lbl.gov; 510-486-5474 Global WINDPOWER

More information

Ambulance Industry Receives Financial Relief Through the MMA

Ambulance Industry Receives Financial Relief Through the MMA Ambulance Industry Receives Financial Relief Through the MMA On June 25, 2004, the Centers for Medicare and Medicaid Services (CMS) issued Transmittal 220 to Medicare Contractors outlining changes to the

More information

Payroll Tax Chart Results

Payroll Tax Chart Results Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision

More information

Department of Business and Information Technology

Department of Business and Information Technology Department of Business and Information Technology College of Applied Science and Technology The University of Akron Summer 01 Graduation Survey Report 1. How would you rate your OVERALL EXPERIENCE at The

More information

Breakeven Cost for Residential Photovoltaics in the United States: Key Drivers and Sensitivities (Report Summary)

Breakeven Cost for Residential Photovoltaics in the United States: Key Drivers and Sensitivities (Report Summary) Breakeven Cost for Residential Photovoltaics in the United States: Key Drivers and Sensitivities (Report Summary) Paul Denholm Robert M. Margolis Sean Ong Billy Roberts December 2009 NREL/PR-6A2-47248

More information

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences?

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

More information

Understanding Payroll Recordkeeping Requirements

Understanding Payroll Recordkeeping Requirements Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements

More information

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com PRODUCT GUIDE Sage Term SagicorLifeUSA.com Table of Contents 3-4 4 5 Sage Term Product Information Accelerated Benefit Rider (Inherent) Optional Riders - Accidental Death Benefit Rider Children s Term

More information

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that

More information

ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE

ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE by Paul Knappenberger SPPI ORIGINAL PAPER Updated April 2013 ANALYSIS

More information

UP TO $1000. Top Producers Escape 2008 Just in Time for the Crush pg.25 YOUR TIME TO SUCCEED

UP TO $1000. Top Producers Escape 2008 Just in Time for the Crush pg.25 YOUR TIME TO SUCCEED TOP PRODUCERS GUIDE September 2007, Volume UNBELIEVABLE FIRST APPLICATION BONUS UP TO $00 TIME IS LIMITED Top Producers Escape 2008 Just in Time for the Crush pg.25 YOUR TIME TO SUCCEED Paying Your Own

More information

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Preapproval Inspections for Manufacturing Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Major Steps Review of the Quality System information Inspection requests generated

More information

Health Workforce Data Collection: Findings from a Survey of States

Health Workforce Data Collection: Findings from a Survey of States Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY

More information

The Income 150+ TM Fixed Index Annuity Strong Guarantees and Great Potential

The Income 150+ TM Fixed Index Annuity Strong Guarantees and Great Potential TM Strong Guarantees and Great Potential The Income 150+ Fixed Index Annuity is a single premium, Fixed Index Annuity made in the USA by Forethought Life Insurance Company. It is designed with a unique

More information

Whole Life Source List

Whole Life Source List Affordable Health Insurance Inc. Whole Life Plus 847-437-1113 www.changeyourhealthinsurance.com AR IL IN OH TX WI 40 Monthly, Quarterly, Semi-Annual, Annual 2011 upon Critical Illness American Continental

More information

Benefits of Selling WorkLife 65

Benefits of Selling WorkLife 65 PruTerm WorkLife 65 SM LEARN ABOUT THE PRODUCT AND MARKET Benefits of Selling WorkLife 65 Pru s new and innovative term product will resonate with your clients. WorkLife 65 is a new and innovative term

More information

Suitability Agent Continuing Education Requirements by State

Suitability Agent Continuing Education Requirements by State Suitability Agent Continuing Education Requirements by State STATE AL AK AZ AR CA CO CT DE DC FL GA HI ID Insurance producers holding a life line of insurance license must complete a one-time 4 hour annuity

More information

FIELD SERVICE BULLETIN

FIELD SERVICE BULLETIN FSB_971_1A HUGHES NETWORK SYSTEMS FIELD SERVICE BULLETIN SUBJECT: Updated Commissioning Rules FSB NUMBER: FSB_971_1A FSB ISSUE DATE: 7/1/9 SUBMITTED BY: J. Callow APPROVED BY: D. Dostalik CHANGE TO BE

More information

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for

More information

Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1

Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS 1 Company History Forethought Financial Group, Inc., through its subsidiaries,

More information

Moving TIM from Good to Great?

Moving TIM from Good to Great? FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011 The Cost and Benefits of Individual & Family Health Insurance Plans November 2011 2011 policies surveyed were active in February 2011 Table of Contents Introduction and Background...3 Methodology Summary...3

More information

In Utilization and Trend In Quality

In Utilization and Trend In Quality AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization

More information

Auto Insurance Underwriting/Rating

Auto Insurance Underwriting/Rating Auto Insurance Underwriting/Rating Insurance Underwriting/Rating Variables Driver Demographics Driver History Type of Vehicle Vehicle History Auto Po olicy 1 Name: John Smith Age: 32 Gender: Male Marital

More information

Trends in Medigap Coverage and Enrollment, 2011

Trends in Medigap Coverage and Enrollment, 2011 Trends in Medigap Coverage and Enrollment, 2011 May 2012 SUMMARY This report presents trends in enrollment in Medicare Supplement (Medigap) insurance coverage, using data on the number of policies in force

More information

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05 11/05 Explanation: In a state with, a filing may be deemed to have been approved after a certain number of days. If such a provision exists, the number of days is noted in parentheses. File and use states

More information

THE TATITLEK CORPORATION 401(K) PLAN FINAL DISTRIBUTION FORM (888) 477-3135

THE TATITLEK CORPORATION 401(K) PLAN FINAL DISTRIBUTION FORM (888) 477-3135 Return Form To: Northwest Plan Services, Inc. 5446 California Ave SW Suite 200 Seattle, WA 98136 Fax (206) 938-5987 THE TATITLEK CORPORATION 401(K) PLAN FINAL DISTRIBUTION FORM (888) 477-3135 Participant

More information

Dashboard. Campaign for Action. Welcome to the Future of Nursing:

Dashboard. Campaign for Action. Welcome to the Future of Nursing: Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

More information

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States During regulatory and public policy discussions of electricity costs for Georgia ratepayers, the conversation

More information

An Introduction to... Equity Settlement

An Introduction to... Equity Settlement An Introduction to... Equity Settlement The New York CEMA & Co-op Process June 2009 About Us... Established in 1986 Over 100 Associates Approved Vendor for Bank of America Preferred Vendor for Many National

More information

Sage Term. 10/15/20 Year Term Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life

Sage Term. 10/15/20 Year Term Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life Sage Term 10/15/20 Year Term Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life We don t always know what the future brings. Sage TERM Consumer Brochure Wise Financial Thinking for Life

More information

= This information has been updated by the state department of insurance.

= This information has been updated by the state department of insurance. STATUTORY MINIMUM CAPITAL AND SURPLUS REQUIREMENTS The chart below identifies the minimum capital and surplus requirement for each Uniform State. A link to the Application instructions for Primary Application,

More information

Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers

Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers National Telecommunications and Information Agency (NTIA) U. S. Department of Commerce Funded by the

More information

Offer in Compromise. Attach Application Fee and Payment (check or money order) here. IRS Received Date. (Rev. May 2012) Section 3

Offer in Compromise. Attach Application Fee and Payment (check or money order) here. IRS Received Date. (Rev. May 2012) Section 3 Form 656 (Rev. May 2012) Department of the Treasury Internal Revenue Service Offer in Compromise Attach Application Fee and Payment (check or money order) here. Section 1 Your Contact Information Your

More information

CHARGE BACKS SPREADSHEET ANNUITY PRODUCTS

CHARGE BACKS SPREADSHEET ANNUITY PRODUCTS CHARGE BACKS SPREADSHEET ANNUITY PRODUCTS As of 10-29-09 Carrier Allianz American General American investors American National Charge back details listed always check carrier commission schedules, agent

More information

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web U.S. Department of Education NCES 2011-460 NAEP Tools on the Web Whether you re an educator, a member of the media, a parent, a student, a policymaker, or a researcher, there are many resources available

More information

Follow a winning strategy with Strategic Comp

Follow a winning strategy with Strategic Comp Follow a winning strategy with The market is hardening, service is deteriorating, and pricing and losses are on the rise. It s time to make your move. make the right move At, we believe that workers compensation

More information

Security Benefit Statement of Understanding

Security Benefit Statement of Understanding Security Benefit Statement of Understanding Effective Date: June 13, 2014 Must be signed by the customer and agent and the signature page returned to Security Benefit with the application. 1.800.888.2461

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014 Enrollment Snapshot of, Radiation Therapy and Nuclear Medicine Technology Programs 2014 January 2015 2015 ASRT. All rights reserved. Reproduction in any form is forbidden without written permission from

More information

Secure Income Annuity. Base Product. live CONFIDENTLY

Secure Income Annuity. Base Product. live CONFIDENTLY Secure Income Annuity Base Product live CONFIDENTLY Welcome! Security Benefit Secure Income Annuity Most of us look forward to retirement. We want to know that when we retire, especially in the volatile

More information

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Yonatan Ben-Shalom Arif Mamun Presented at the CSDP Forum Washington, DC September 17, 2014 Acknowledgments The research

More information

EEA Life Settlements Fund PCC Limited

EEA Life Settlements Fund PCC Limited EEA Fund Management (Guernsey) Limited EEA Life Settlements Fund PCC Limited Portfolio Statistics as at 31 March 2012 Valuation of the net asset value of all classes of participating shares in EEA Life

More information

States Served. CDFI Fund 601 Thirteenth Street, NW, Suite 200, South, Washington, DC 20005 (202) 622-8662 25

States Served. CDFI Fund 601 Thirteenth Street, NW, Suite 200, South, Washington, DC 20005 (202) 622-8662 25 s Served CDFI Fund 601 Thirteenth Street, NW, Suite 200, South, Washington, DC 20005 (202) 622-8662 25 New Markets Tax Credit Program Sixth Round (2008) s Served NOTES: (1) Allocatees that are italicized

More information

Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer

Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer 5 4 Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer 46 Any vaccine I, P, Z 5 Other combos Number of states / territories Any vaccine Influenza, Pneumo and Zoster (I, P, Z) Other

More information

2016 Individual Exchange Premiums updated November 4, 2015

2016 Individual Exchange Premiums updated November 4, 2015 2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross

More information

Your guide to Nationwide New Heights Fixed Indexed Annuity

Your guide to Nationwide New Heights Fixed Indexed Annuity Your guide to Nationwide New Heights Fixed Indexed Annuity Nationwide High Point 365 Lifetime Income Benefit rider Nationwide High Point Enhanced Death Benefit rider Not a deposit Not FDIC or NCUSIF insured

More information

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA THE BULLHORN REACH RANKINGS REPORT TM WWW.BULLHORNREACH.COM @BULLHORNREACH JUNE 2012 COPYRIGHT 2012 BULLHORN, INC. ALL RIGHTS RESERVED. EXECUTIVE SUMMARY

More information

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN

More information

Premature: under the age of 59½ Normal: over the age of 59½, includes Required Minimum Distributions (RMD) Disability

Premature: under the age of 59½ Normal: over the age of 59½, includes Required Minimum Distributions (RMD) Disability P 1.800.962.4238 W www.pensco.com Distribution Request 1. ACCOUNT OWNER INFORMATION Please type or print all information requested below. Required fields are denoted by an * (asterisk). *First Name: *MI:

More information

Larry R. Kaiser, MD. President The University of Texas Health Science Center at Houston

Larry R. Kaiser, MD. President The University of Texas Health Science Center at Houston Larry R. Kaiser, MD President The University of Texas Health Science Center at Houston HealthCare Workforce: UTHealth Experience CHALLENGE To train the Healthcare Workforce of the 21 st Century SOLUTIONS:

More information

E-Commerce Customer Acquisition Snapshot

E-Commerce Customer Acquisition Snapshot E-Commerce Customer Acquisition Snapshot Q2 2013 This is the first in a series of reports examining emergent e-commerce customer acquisition trends. These findings are derived from data spanning 72 million

More information

Aviva reducing annuity interest crediting rates, effective June 3, 2011

Aviva reducing annuity interest crediting rates, effective June 3, 2011 May 31, 2011 Field Update Aviva reducing annuity interest crediting rates, effective June 3, 2011 Earlier this year, 30-year Treasury yields were increasing after hitting historic lows near the end of

More information

Florida 1/1/2015 Workers Compensation Rate Filing

Florida 1/1/2015 Workers Compensation Rate Filing Florida 1/1/2015 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 14, 2014 1 $ Billions 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.873 0.106 Florida s Workers Compensation Premium Volume 2.681 2.368

More information

An Introduction to Core Dental & Vision Insurance Exclusively from

An Introduction to Core Dental & Vision Insurance Exclusively from An Introduction to Core Dental & Vision Insurance Exclusively from Benefit Highlights Type 1 - Preventative Dental Care Routine Exams Cleanings Fluoride Treatment Type 2 - Basic Dental Care X-rays Extractions

More information