Effective December 2015

Transcription

1 Annuty rates for all states EXCEPT: NY Prevous Index Annuty s effectve Wednesday, December 7 Global Multple Index Cap S&P Annual Pt to Pt Cap MLSB Annual Pt to Pt Spread MLSB 2Yr Pt to Pt Spread 3 (Annualzed) S&P Monthly Avg Spread S&P Monthly Addtve Cap Partcpaton Current Avalable Fxed n All States EXCEPT Guar. Mn Fxed GMWV Power 10 Protector [3% Premum Enhancement 1 ()] Contract #AG % 3.25% 1.60% 4.50% 1.50% 100% 1.60% Avalablty Map 87.5% No Guaranteed Lvng Beneft avalable ISSUED DAILY SINGLE PREMIUM Power 10 Protector Plus Income [3% Premum Enhancement 1 ()] Contract #AG-801 Power 7 Protector Contract #AG-800 under $100,000 of $100,000 or more 1.60% 6.25% 3.00% 5.25% 0.50% 100% 3.00% 3.25% 1.50% 3.90% 1.40% 100% 2.00% 4.00% 2.60% 1.10% 2.90% 1.65% 100% 2.00% Avalablty Map 87.5% Avalablty Map 87.5% Avalablty Map 87.5% Lfetme Income Plus Guaranteed Lvng Beneft Rder automatcally ncluded No Guaranteed Lvng Beneft avalable No Guaranteed Lvng Beneft avalable Power 7 Protector Plus Income Contract #AG-800 under $100,000 of $100,000 or more 2.25% 2.90% 1.50% 4.50% 0.75% 100% 2.00% 4.00% 2.25% 1.10% 3.50% 100% 2.00% Avalablty Map 87.5% Avalablty Map 87.5% Lfetme Income Plus Guaranteed Lvng Beneft Rder automatcally ncluded Lfetme Income Plus Guaranteed Lvng Beneft Rder automatcally ncluded ISSUE DATES: 6 TH, 12 TH, 20 TH, and 28 TH of each month FLEXIBLE PREMIUM INDEX ANNUITY LIVING BENEFIT RIDERS AG Global 8 Index Contract #07371 (Subsequent Only) 10.00% VT Annual Cost Roll Up Lfetme Income Plus 0.95% 7.00% Bold blue text ndcates the change from the prevous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applcable rate s determned by the date the contract s ssued. A contract wll be ssued on the ssue date followng recept of the completed paperwork n good order (ncludng premum and approprate lcensng and contractng nformaton) at the Home Offce. 1 Premum Enhancement (): For all premums pad n the contract s frst 30 days; subject to vestng and recapture schedule. May not be avalable n certan states. 2 Guaranteed Mnmum Wthdrawal Values (GMWV) may change each quarter. The rate n effect on contract ssue date s the GMWV. GMWV s for New Jersey. 3 2-Year Pont-to-Pont Index Credtng Strategy (MLSB): Not avalable n MO, NH, NJ & NV. Annutes are desgned for long-term retrement nvestng and typcally nclude lmtatons, exclusons and expense charges. Income taxes are payable upon wthdrawal. Wthdrawals made pror to age 59 ½ may be subject to a 10% federal tax penalty. Ths nformaton s general n nature and may be subject to change. Amercan General Lfe Insurance Company, ts agents and representatves are not authorzed to gve legal, tax or accountng advce. Applcable laws and regulatons are complex and subject to change. Any tax statements n ths materal are not ntended to suggest the avodance of U.S. federal, state, or local tax penaltes. For advce concernng your stuaton, consult your professonal attorney, tax advsor or accountant. Annutes ssued by Amercan General Lfe Insurance Company (AGL) except n New York, where ssued by The Unted States Lfe Insurance Company n the Cty of New York (US Lfe). Issung nsurance company s responsble for the fnancal oblgatons of nsurance products t ssues and s a member of Amercan Internatonal Group, Inc. (AIG). Guarantees are backed by the clams payng ablty of AGL and US Lfe. s may not be avalable n all states and product features may vary by state. Please refer to the contract. If you are an agent pror to solctng busness be certan that you are approprately lcensed and apponted wth the nsurer and that the product has been approved for sale by the nsurer n that state. If uncertan, contact your Amercan General Lfe Insurance Company representatve for assstance AIG. All rghts reserved. Avalable for subsequent premums only For more nformaton: (888) Opton 2 or emal Internal.annutysales@aglfe.com Page 1 of 6

2 Annuty rates for All States Fxed Annuty s effectve Monday, December 21 TRADITIONAL FIXED DEFERRED ANNUITIES FLEXIBLE PREMIUM Amercan Pathway Flex Fxed 8 Annuty Contracts #04371 and 04371N Year One Base 4.15% 2.15% 1st Year 2.00% Guar. Mn. Fxed No MVA Not avalable n AK, UT Annuty rates for New York SINGLE PREMIUM Amercan Pathway SolutonsMYG Annuty: 5-year term Amercan Pathway SolutonsMYG Annuty: 6-year term Amercan Pathway SolutonsMYG Annuty: 7-year term < $100,000 $100,000 < $100,000 $100,000 < $100,000 $100,000 Fxed Annuty s effectve Monday, December 21 Guarantee Length of Guarantee 1st Year Avalable n all states EXCEPT Guar Mn Fxed 2.40% 5 _ 2.55% 5 _ 2.50% 6 _ 2.65% 6 _ 2.75% 7 _ 2.90% 7 _ Annuty rates for New York INDEX ANNUITIES Issue Dates: 5 TH, 12 TH, 20 TH, and 28 TH of each month FLEXIBLE PREMIUM AG Global 8 Index Contract #07371N (Subsequent Only) Index Annuty s effectve Wednesday, December 7 Global Multple Index Cap Monthly Addtve Cap Partcpaton Current Fxed Guar Mn. Fxed 10.00% Avalable for subsequent premums only For more nformaton: OPTION 2 or emal Internal.annutysales@aglfe.com Bold blue text ndcates the change from the prevous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applcable rate s determned by the date the contract s ssued. A contract wll be ssued on the ssue date followng recept of the completed paperwork n good order (ncludng premum and approprate lcensng and contractng nformaton) at the Home Offce. Annutes are desgned for long-term retrement nvestng and typcally nclude lmtatons, exclusons and expense charges. Income taxes are payable upon wthdrawal. Wthdrawals made pror to age 59 ½ may be subject to a 10% federal tax penalty. Ths nformaton s general n nature and may be subject to change. Amercan General Lfe Insurance Company, ts agents and representatves are not authorzed to gve legal, tax or accountng advce. Applcable laws and regulatons are complex and subject to change. Any tax statements n ths materal are not ntended to suggest the avodance of U.S. federal, state, or local tax penaltes. For advce concernng your stuaton, consult your professonal attorney, tax advsor or accountant. Annutes ssued by Amercan General Lfe Insurance Company (AGL) except n New York, where ssued by The Unted States Lfe Insurance Company n the Cty of New York (US Lfe). Issung nsurance company s responsble for the fnancal oblgatons of nsurance products t ssues and s a member of Amercan Internatonal Group, Inc. (AIG). Guarantees are backed by the clams payng ablty of AGL and US Lfe. s may not be avalable n all states and product features may vary by state. Please refer to the contract. If you are an agent pror to solctng busness be certan that you are approprately lcensed and apponted wth the nsurer and that the product has been approved for sale by the nsurer n that state. If uncertan, contact your Amercan General Lfe Insurance Company representatve for assstance AIG. All rghts reserved. AGLC NY Page 2 of 6

3 Annuty rates for all states Fxed Annuty s effectve Monday, December 21 Guarantee Length of Guarantee 1st Year Avalable n all states EXCEPT Guar Mn Fxed SINGLE PREMIUM 5-year term 6-year term 7-year term 8-year term 9-year term under $100, % 5 _ of $100,000 or more 2.55% 5 _ under $100, % 6 _ of $100,000 or more 2.65% 6 _ under $100, % 7 _ of $100,000 or more 2.90% 7 _ under $100, % 8 _ of $100,000 or more 2.85% 8 _ under $100, % 9 _ of $100,000 or more 2.95% 9 _ NY, NY, NY, NY, The 8, 9 and 10-year terms are not avalable n NY 10-year term For more nformaton: OPTION 2 or emal Internal.annutysales@aglfe.com Page 3 of 6 under $100, % 10 _ of $100,000 or more 3.05% 10 _ NY, NY, Bold blue text ndcates the change from the prevous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applcable rate s determned by the date the contract s ssued. A contract wll be ssued on the ssue date followng recept of the completed paperwork n good order (ncludng premum and approprate lcensng and contractng nformaton) at the Home Offce. Annutes are desgned for long-term retrement nvestng and typcally nclude lmtatons, exclusons and expense charges. Income taxes are payable upon wthdrawal. Wthdrawals made pror to age 59 ½ may be subject to a 10% federal tax penalty. Ths nformaton s general n nature and may be subject to change. Amercan General Lfe Insurance Company, ts agents and representatves are not authorzed to gve legal, tax or accountng advce. Applcable laws and regulatons are complex and subject to change. Any tax statements n ths materal are not ntended to suggest the avodance of U.S. federal, state, or local tax penaltes. For advce concernng your stuaton, consult your professonal attorney, tax advsor or accountant. Annutes ssued by Amercan General Lfe Insurance Company (AGL) except n New York, where ssued by The Unted States Lfe Insurance Company n the Cty of New York (US Lfe). Issung nsurance company s responsble for the fnancal oblgatons of nsurance products t ssues and s a member of Amercan Internatonal Group, Inc. (AIG). Guarantees are backed by the clams payng ablty of AGL and US Lfe. s may not be avalable n all states and product features may vary by state. Please refer to the contract. If you are an agent pror to solctng busness be certan that you are approprately lcensed and apponted wth the nsurer and that the product has been approved for sale by the nsurer n that state. If uncertan, contact your Amercan General Lfe Insurance Company representatve for assstance AIG. All rghts reserved. AGLC103676

4 Annuty rates for all avalable states Wth Guarantee Return of Premum Wthout Guarantee Return of Premum (three-year rate wth three year bonus) (fve-year rate) (fve-year MVA rate) (one-year rate wth one year bonus) (one-year rate wth premum bonus) (three-year rate wth three year bonus) (fve-year rate) (fve-year MVA rate) (one-year rate wth one year bonus) (one-year rate wth premum bonus) Premum Band For more nformaton: OPTION 2 or emal sales@aglfe.com Guaranteed Perod Fxed Annuty s effectve Monday, December 21 Non- Qualfed Included n < $100, % 0.25% 1.95% 0.40% $100, % 1.25% 2.95% 1.40% < $100, % 0.25% 1.95% 0.40% $100, % 1.25% 2.97% 1.40% < $100, % 0.25% 1.75% 0.25% $100, % 0.55% 2.05% 0.55% < $100, % 0.00% 1.55% 0.00% 5 yr $100, % 0.00% 1.75% 0.00% < $100, % 0.00% 1.85% 0.00% $100, % 0.00% 2.05% 0.00% < $100, % 2.95% 1.15% $100, % 2.00% 3.95% 2.15% < $100, % 2.97% 1.15% $100, % 2.00% 3.98% 2.15% < $100, % 0.45% 2.30% 0.45% Qualfed Included n 5 yr MVA N/A $100, % 0.65% 2.50% 0.65% < $100, % 0.00% 2.00% 0.00% $100, % 0.00% 2.20% 0.00% < $100, % 0.00% 2.20% 0.00% Descrpton frst year Premum bonus at three frst year Premum bonus at three Avalable n all states except N/A N/A N/A N/A N/A MVA s not avalable n MO, 5 yr N/A N/A rate ncludes premum bonus and effectve yeld MVA s not 5 yr MVA N/A avalable n MO, $100, % 0.00% 2.40% 0.00% Bold blue text ndcates the change from the prevous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applcable rate s determned by the date the contract s ssued. A contract wll be ssued on the ssue date followng recept of the completed paperwork n good order (ncludng premum and approprate lcensng and contractng nformaton) at the Home Offce. Annutes are desgned for long-term retrement nvestng and typcally nclude lmtatons, exclusons and expense charges. Income taxes are payable upon wthdrawal. Wthdrawals made pror to age 59 ½ may be subject to a 10% federal tax penalty. Ths nformaton s general n nature and may be subject to change. Amercan General Lfe Insurance Company, ts agents and representatves are not authorzed to gve legal, tax or accountng advce. Applcable laws and regulatons are complex and subject to change. Any tax statements n ths materal are not ntended to suggest the avodance of U.S. federal, state, or local tax penaltes. For advce concernng your stuaton, consult your professonal attorney, tax advsor or accountant. Annutes ssued by Amercan General Lfe Insurance Company (AGL) except n New York, where ssued by The Unted States Lfe Insurance Company n the Cty of New York (US Lfe). Issung nsurance company s responsble for the fnancal oblgatons of nsurance products t ssues and s a member of Amercan Internatonal Group, Inc. (AIG). Guarantees are backed by the clams payng ablty of AGL and US Lfe. may not be avalable n all states and product features may vary by state. Please refer to your contract. If you are an agent pror to solctng busness be certan that you are approprately lcensed and apponted wth the nsurer and that the product has been approved for sale by the nsurer n that state. If uncertan contact your Amercan General Lfe Insurance Company representatve for assstance AIG. All rghts reserved. AGLC N/A N/A Guar Mn Fxed N/A rate ncludes premum bonus and effectve yeld rate ncludes bonus for three rate ncludes bonus for three Page 4 of 6.

5 Annuty rates for all avalable states Fxed Annuty s effectve Monday, December 21 Premum Band Guaranteed Perod Non-Qualfed Included n Qualfed Included n Descrpton Avalable n all states except Guar Mn Fxed Wth Guarantee Return of Premum Wthout Guarantee Return of Premum (one-year rate wth one year bonus) (one-year rate wth premum bonus) (three-year rate wth three-year bonus) (fve-year rate) (seven-year rate) (seven-year MVA rate) (one-year rate wth one year bonus) (one-year rate wth premum bonus) (three-year rate wth three year bonus) (fve-year rate) (seven-year rate) (seven-year MVA rate) For more nformaton: OPTION 2 or emal sales@aglfe.com < $100, % 3.00% 1.15% $100, % 2.00% 4.00% 2.15% < $100, % 3.02% 1.15% $100, % 2.00% 4.03% 2.15% < $100, % 0.80% 2.50% 0.80% $100, % 2.70% < $100, % 0.00% 2.00% 0.00% 5 yr $100, % 0.00% 2.20% 0.00% < $100, % 0.00% 2.00% 0.00% 7 yr $100, % 0.00% 2.20% 0.00% < $100, % 0.00% 2.25% 0.00% 7 yr MVA N/A $100, % 0.00% 2.45% 0.00% < $100, % 3.10% 1.15% $100, % 2.00% 4.10% 2.15% < $100, % 3.12% 1.15% $100, % 2.00% 4.14% 2.15% < $100, % 1.30% 2.85% 1.30% $100, % 1.65% 3.20% 1.65% < $100, % 0.00% 2.25% 0.00% 5 yr N/A N/A $100, % 0.00% 2.45% 0.00% < $100, % 0.00% 2.20% 0.00% 7 yr N/A N/A $100, % 0.00% 2.40% 0.00% < $100, % 0.00% 2.40% 0.00% 7 yr MVA N/A $100, % 0.00% 2.60% 0.00% frst year Premum bonus at three N/A N/A N/A N/A frst year Premum bonus at three N/A N/A N/A MVA s not avalable n MO, N/A N/A N/A MVA s not avalable n MO, Bold blue text ndcates the change from the prevous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applcable rate s determned by the date the contract s ssued. A contract wll be ssued on the ssue date followng recept of the completed paperwork n good order (ncludng premum and approprate lcensng and contractng nformaton) at the Home Offce. Annutes are desgned for long-term retrement nvestng and typcally nclude lmtatons, exclusons and expense charges. Income taxes are payable upon wthdrawal. Wthdrawals made pror to age 59 ½ may be subject to a 10% federal tax penalty. Ths nformaton s general n nature and may be subject to change. Amercan General Lfe Insurance Company, ts agents and representatves are not authorzed to gve legal, tax or accountng advce. Applcable laws and regulatons are complex and subject to change. Any tax statements n ths materal are not ntended to suggest the avodance of U.S. federal, state, or local tax penaltes. For advce concernng your stuaton, consult your professonal attorney, tax advsor or accountant. rate ncludes premum bonus and effectve yeld rate ncludes bonus for three rate ncludes premum bonus and effectve yeld rate ncludes bonus for three Annutes ssued by Amercan General Lfe Insurance Company (AGL) except n New York, where ssued by The Unted States Lfe Insurance Company n the Cty of New York (US Lfe). Issung nsurance company s responsble for the fnancal oblgatons of nsurance products t ssues and s a member of Amercan Internatonal Group, Inc. (AIG). Guarantees are backed by the clams payng ablty of AGL and US Lfe. may not be avalable n all states and product features may vary by state. Please refer to your contract. If you are an agent pror to solctng busness be certan that you are approprately lcensed and apponted wth the nsurer and that the product has been approved for sale by the nsurer n that state. If uncertan contact your Amercan General Lfe Insurance Company representatve for assstance AIG. All rghts reserved. AGLC Page 5 of 6.

6 ANNUITY RATES Income Annuty s Effectve Monday, November 16 s For All States Non-NY s IMMEDIATE INCOME Amercan Pathway Immedate Contract #01016 s effectve as of Monday, November 16 Lfe Only Lfe Only wth CPI Lfe wth 10 yr Certan Perod Lfe Only wth Installment Refund Lfe wth Cash Refund 50% Jont and Contngent 100% Jont and Contngent Female 65 Male 65 Female 70 Male 70 Female 65 Male 65 Female 70 Male 70 Monthly Payout for $100,000 premum begnnng n 30 days Monthly Payout for $100,000 premum begnnng n 30 days DEFERRED INCOME Amercan Pathway Deferred Income Contract #AGLC s effectve as of Monday, November 16 Monthly Payout for $100,000 premum. Payments commence at age 70. Pre-Commencement Death Beneft s Return of Premum. Monthly Payout for $100,000 premum. Payments commence at age 75. Pre-Commencement Death Beneft s Return of Premum. $529 $555 $594 $624 Lfe Only $726 $771 $861 $911 $390 $416 $458 $488 Lfe Only wth CPI $561 $603 $694 $744 $521 $543 $577 $599 Lfe wth 10 yr Certan Perod $692 $721 $783 $814 $494 $510 $539 $558 Lfe Only wth Installment Refund $675 $704 $771 $808 $485 $500 $527 $545 Lfe wth Cash Refund $668 $695 $761 $796 $497 $508 $555 $567 50% Jont and Survvor $689 $710 $813 $839 $463 $463 $512 $ % Jont and Survvor $628 $628 $730 $730 Run an Immedate Income Annuty quote: - Run a Deferred Income Annuty quote: - Call Amercan General for more nformaton OPTION 2 RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applcable rate s determned by the date the contract s ssued. A contract wll be ssued on the ssue date followng recept of the completed paperwork n good order (ncludng premum and approprate lcensng and contractng nformaton) at the Home Offce. Annutes are desgned for long-term retrement nvestng and typcally nclude lmtatons, exclusons and expense charges. Income taxes are payable upon wthdrawal. Wthdrawals made pror to age 59 ½ may be subject to a 10% federal tax penalty. Ths nformaton s general n nature and may be subject to change. Amercan General Lfe Insurance Company, ts agents and representatves are not authorzed to gve legal, tax or accountng advce. Applcable laws and regulatons are complex and subject to change. Any tax statements n ths materal are not ntended to suggest the avodance of U.S. federal, state, or local tax penaltes. For advce concernng your stuaton, consult your professonal attorney, tax advsor or accountant. Annutes ssued by Amercan General Lfe Insurance Company (AGL) except n New York, where ssued by The Unted States Lfe Insurance Company n the Cty of New York (US Lfe). Issung nsurance company s responsble for the fnancal oblgatons of nsurance products t ssues and s a member of Amercan Internatonal Group, Inc. (AIG). Guarantees are backed by the clams payng ablty of AGL and US Lfe. s may not be avalable n all states and product features may vary by state. Please refer to the contract. If you are an agent pror to solctng busness be certan that you are approprately lcensed and apponted wth the nsurer and that the product has been approved for sale by the nsurer n that state. If uncertan, contact your Amercan General Lfe Insurance Company representatve for assstance AIG. All rghts reserved. AGLC Page 6 of 6