December 2015 FIXED ANNUITIES
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1 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 year. 10%, 10%, 10%, 8.75%, 7.50%, 6.25%, 5%, 3.75%, 2.50%, 1.25%, 0% 0-80 NQ 0-80 Q (Option A) Ages % Ages % MASTERDEX X IS APPROVED IN ALL STATES, EXCEPT CT, OR & WA. A+(2) A. M. Best) AA (3) S&P 90 Comdex Page 1 of 11
2 Citadel 5 $5,000 Diamond American National A- (4) A.M. Best A (6) S&P 62 Comdex Citadel 7 Diamond Under $100k 2.65% Year % Base 2.75% Year % Base Under $100k 3.95% Year % Base 4.05% Year % Base w/d & free w/d of int. immediately w/d & free w/d of int. immediately 7, 7, 7, 6, 5, 0 7, 7, 7, 6, 5, 4, 2, 0 Citadel 5 Ages % Ages % Citadel 7 Ages % Ages % Call for current state approvals. Page 2 of 11
3 American National Palladium MYG* 5-thru-10 Year Guarantee Periods Available Under $100k 5Yr 3.15% Year % Base 3.25% Year % Base Under $100k 6Yr 2.70% Year % Base 2.80% Year % Base Under $100k 7Yr 3.80% Year % Base 3.90% Year % Base Under $100k 8Yr 2.95% Year % Base 3.05% Year % Base $5,000 Q Free w/d of int. in 1 st year, 10% free annual w/d after 1 st year **30-day window for free surrender at end of guarantee period! 8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% 5, 6, 7, & 8-Year: Ages % Ages % 9-Year: Ages % Ages % 10-Year: Ages % Ages % NY, UT -Only 5, 6, 7-year approved in OR. Under $100k-9Yr 4.70% Year % Base 4.80% Year % Base Under $100k 10Yr 3.75% Year % Base 3.85% Year % Base GENWORTH *Lower rates apply in some states. SecureLiving Rate Saver $25,000-$99, % (5-Year) 2.50% (7-Year) $100,000-$249, % (5-Year) 2.70% (7-Year) $250, % (5-Year) 2.80% (7-Year) $25,000 NQ $25,000 Q Free withdrawals of interest only allowed immediately. 5-Year: 9%, 8%, 7%, 6%, 5% 7-Year: 9%, 8%, 7%, 6%, 5%, 4%, 3% Maximum issue age is 85 (age-lastbirthday) for owner & annuitant. 5-Year: Ages % Ages % Ages % 7-Year: Ages % Ages % Ages % DE, NV, OR Page 3 of 11
4 SecureLiving Independence Year % ($100k+) 5.15% ($50k-99,999) 4.65% (under $50k) 9%, 9%, 8%, 7%, 6%, 5%, 0% (diff. for IN & MN) Ages % Ages % Ages % NY-CALL FOR NY RATES. GENWORTH Year % SecureLiving SmartRate Year 1 Rates w/out ROP Feature 5.55% 1-Year Plan 3.95% 3-Year Plan 3.00% 5-Year Plan ($250k+ rates) **additional credits may apply! 7%, 7%, 7%, 6%, 5%, 4%, 3%, %0 Ages % Ages % Ages % NY-CALL FOR NY RATES. Page 4 of 11
5 SecureLiving Liberty GENWORTH A- (4) A.M. Best BBB- (10) S&P 61 Comdex $99,999 or less 2.60% 1-Year Plan 2.30% 3-Year Plan 2.05% 5-Year Plan $100, , % 1-Year Plan 2.90% 3-Year Plan 2.45% 5-Year Plan >$250, % 1-Year Plan 3.10% 3-Year Plan 2.60% 5-Year Plan ***Bail-out rate is 1.60% (1-year), 1.60% (3-year) & 1.60% (5-year) at end of guaranteed rate period. ***45-day free w/d window at end of guaranteed rate period if current interest is below bail-out rate. Call for more details. 9%, 9%, 8%, 7%, 6%, 5%, %0 Ages % Ages % Ages % NY-CALL FOR NY RATES. Oregon has different rates. Page 5 of 11
6 New $10,000 NQ Directions* $10,000 Q 6-Year Lincoln National A+(2) A.M. Best AA-(4) S&P 90 Comdex 8-Year 2.10% (<$100k) 2.25% ($100k+) 2.35% (<$100k) 2.50% ($100k+) I-66: 9%, 8%, 7%, 6%, 4.75%, 3.5%, 6-year: (Ages 0-75) 2.00% (Ages 76-80) 1.55% (Ages 81-85) 1.00% 8-year: (Ages 0-75) 3.00% (Ages 76-80) 2.30% (Ages 81-85) 1.50% I-66 & I-88: MN, NY, OR, WA Page 6 of 11
7 OptiPoint* Opti 8 Lincoln National (Continued) Opti 10 (<$100k) 3.85% Year % (thereafter) (subsequent deposits in yrs. 2-3 will receive 2.00% bonus) (>or= to $100k) 4.85% Year % (thereafter) (subsequent deposits in yrs. 2-3 will receive 3.00% bonus) (<$100k) 4.85% Year % (thereafter) (subsequent deposits in years 2-4 will receive 3.00% bonus) (>or= to $100k) 5.85% Year % (thereafter) (subsequent deposits in years 2-4 will receive 4.00% bonus) Opti 8: 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2% Opti 10: 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% Opti 8 & 10: 0-85NQ 0-85Q Opti 8: (Ages 0-75) 2.60% Opti 10: (Ages 0-75) 3.30% Opti 8 & 10: MA, MN, NY, OR, UT Page 7 of 11
8 MYGuarantee $10,000 NQ Plus ($100k+ rates) $10,000 Q Lincoln National (Continued) 5-Year 6-Year 7-Year 8-Year 9-Year 1.90% 2.20% 2.30% 2.35% 2.45% 5-Year = 7,7,6,5,4 6-Year = 7,7,6,5,4,3 7-Year = 7,7,6,5,4,3,2 8-Year = 7,7,6,5,4,3,2 9-Year = 7,7,6,5,4,3,2 10-Year = 7,7,6,5,4,3,2 0-85NQ 0-85Q 5-Year: (Ages 0-75) 1.70% (Ages 76-80) 1.00% (Ages 81-85) 0.45% 6-Year: (Ages 0-75) 1.95% (Ages 76-80) 1.20% (Ages 81-85) 0.45% 7, 8, 9 & 10-Year: (Ages 0-75) 2.20% (Ages 76-80) 1.30% (Ages 81-85) 0.70% GU, IL, MN, MO, VI 10-Year 2.50% * Rates apply to fixed account only! Eclipse Plan is to be phased out within the next month or so. ** After 1 st year, interest rates will fluctuate annually, with a guaranteed minimum of 1%. *** Fixed interest rates for the Classic 10-Year plan are only guaranteed for 7 years, after which the rates are reset annually. Page 8 of 11
9 North American A+(2) A.M. Best A+(5) S&P 89 Comdex Guarantee Choice (MYGA) HIGH BAND ($200k or More) 3-Year = 1.80% 4-Year = 2.00% 5-Year = 2.65% 6-Year = 2.60% 7-Year = 2.85% 8-Year = 3.05% 9-Year = 3.20% 10-Year = 3.30% LOW BAND (Less than $200k) 3-Year = 1.50% 4-Year = 1.75% 5-Year = 2.40% 6-Year = 2.35% 7-Year = 2.60% 8-Year = 2.85% 9-Year = 3.00% 10-Year = 3.10% $10,000 NQ Interest only, after Year 1 period is equal to guarantee period. (10, 10, 10, 10, 10, 9, 8, 6, 4, 2) Yr Option-2.00% All Other-2.50% Ages 81-85: Reduce by 25% Ages 86-90: Reduce by 50% Special commission rules for CT, FL, IL, IN, OK and TX. Please call for details. AK, DE, MN, MO, NV, OH, OR, UT, VA AND WA Page 9 of 11
10 Principal A+(2) A.M. Best A+(5) S&P 89 Comdex Performance Annuity 7 (Indexed) Select Series Annuity (Fixed MYG) Index Caps <$50k = 3.00% $50k+ = 3.25% ($100k+ AEY Rates) 3-Year = 1.50% 4-Year = 1.85% 6-Year = 2.25% 9-Year = 2.30% $10,000 10% of balance or RMD, recommended to wait after first contract anniversary $5,000 10% of balance or RMD 7 Years (8,8,7,6,5,4,3) % (< Age 76) 2.15% (Ages 76+) 3-Year = 7,7,7 4-Year = 6-Year = 7,7,7,6,5,4 9-Year = 7,7,7,6,5,4,3,2,1 Deposits over $2 million require Home Office approval and may have lower comp Year: 1.00% (< Age 80) 0.50% (Ages 80+) 4-Year: 2.25% (< Age 80) 1.50% (Ages 80+) 6-Year: 3.00% (< Age 80) 2.00% (Ages 80+) 9-Year: 5.00% (< Age 80) 2.50% (Ages 80+) Deposits over $2 million require Home Office approval and may have lower comp. NY 3, 4 and 6-Year: DE,MN,MO,PA 9-Year: DE,MN,MO,NY, PA,WA Page 10 of 11
11 Bonus Flexible 2.40% Yr % Base $5,000 Q United of Omaha Additional 0.15% added for $50k+. 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 0% 0-75NQ 0-85Q Ages % Ages % AVAILABLE IN ALL STATES A+(2) A.M. Best AA-(4) S&P 92 Comdex Page 11 of 11
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