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

Size: px
Start display at page:

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

Transcription

1 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 Standard & Poors A Standard & Poors BBB- Standard & Poors BBB- Standard & Poors 78 Comdex 78 Comdex 78 Comdex 61 Comdex 61 Comdex $25,000-$49,999 Bail Out Rate $25,000-$99,999 Bail Out Rate 3.00% Performance Triggered 3.00% Performance Triggered 10 Year 2.25% Ann Pt-to-Pt Cap 1.25% 3.20% Ann Pt-to-Pt Cap 2.20% 4.25% Ann Pt-to-Pt Cap (100%) 4.25% Ann Pt-to-Pt Cap (100%) % Participation Rate 0.95% 1 Year Monthly Cap 1.30% 1 Year Monthly Cap 10.00% 3 Yr Pt-to-Pt Cap (100%) 10.00% 3 Yr Pt-to-Pt Cap (100%) 1.70% Perf. Triggered Rate 2.10% Perf. Triggered Rate 27.00% 3 Yr Pt-to-Pt Cap (50%) 27.00% 3 Yr Pt-to-Pt Cap (50%) $50,000-$99,999 $100,000-$249, % 5 Yr Pt-to-Pt Cap (100%) 20.00% 5 Yr Pt-to-Pt Cap (100%) 3.00% Ann Pt-to-Pt Cap 2.00% 3.70% Ann Pt-to-Pt Cap 2.70% 30.00% 5 Yr Pt-to-Pt Cap (75%) 30.00% 5 Yr Pt-to-Pt Cap (75%) 1.40% 1 Year Monthly Cap 1.50% 1 Year Monthly Cap 40.00% 5 Yr Pt-to-Pt Cap (50%) 40.00% 5 Yr Pt-to-Pt Cap (50%) 2.40% Perf. Triggered Rate 2.60% Perf. Triggered Rate 2.00% 1 Year Monthly Cap 2.00% 1 Year Monthly Cap Monthly Average $100,000-$249,999 $250, % Fixed Account 2.00% Fixed Account 3.50% Ann Pt-to-Pt Cap 2.50% 3.90% Ann Pt-to-Pt Cap 2.90% 1.65% 1 Year Monthly Cap 1.60% 1 Year Monthly Cap 1% Premium Bonus 1% Premium Bonus 2% Premium Bonus 2.80% Perf. Triggered Rate 2.80% Perf. Triggered Rate All or Nothing Crediting High Water with Monthly Average APP/MPP/All or Nothing/Fixed Account 7 Years 5 years 7 years $10,000 NQ/$5,000 Q $10,000 NQ/$5,000 Q $5,000 NQ/$4,000 Q $25,000 NQ/Q $25,000 NQ/Q 1% - 3% on 88.75% of Premium 1% - 3% on 88.75% of Premium 1% - 3% on 88.75% of Premium 105% at end of surrender period 107% at end of surrender period CA, DE, IL, IN, IA, MD, MN, MS, NJ, NY, NC, PA, TX, UT, VA, WY 7,6,5,4,3,2,1 CA, DE, IL, IN, IA, MD, MN, MS, NJ, NY, NC, OR, PA, TX, UT, VA, WA, WY MA, MN, ND, NJ, NY, OR, VT 12,12,11,10,9,8,7,6,5,3 DE, NY DE, NY 9,9,8,7,6 9,9,8,7,6,5,4 5.00% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Disability Waiver Disability Waiver Disability Waiver Optional Lock-In Feature Fixed Rate of interest from date of Lock-In to the end of the contract Call for rates for premiums of $250,000 or more Visit 's website Rates & vary in AK, MN, OR, PA & WA Page 1 of 8

2 Genworth Lincoln Financial Group Secure Living Index 10 Plus Secure Living Index Growth Plus Lincoln New Directions 6 Lincoln New Directions 8 Lincoln OptiChoice 5 Ages NQ/Q A AM Best A AM Best A+ AM Best A + AM Best A+ AM Best BBB- Standard & Poors BBB- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors 61 Comdex 61 Comdex 90 Comdex 90 Comdex 90 Comdex $25,000-$99,999 Bail Out Rate $25,000-$99,999 Bail Out Rate 2.95% Ann Pt-to-Pt Cap 1.95% 2.95% Ann Pt-to-Pt Cap 1.95% Below $100,000 Below $100, % 1 Year Monthly Cap 1.30% 1 Year Monthly Cap 1.45% 1 Year Monthly Cap 8.50% 2 Yr Pt-to-Pt Cap 9.65% 2 Yr Pt-to-Pt Cap 3.05% Perf. Triggered Rate 2.20% Perf. Triggered Rate 2.40% Perf. Triggered Rate 3.50% Perf. Triggered Rate 3.90% Perf. Triggered Rate 3.40% 1 Yr Mo Avg Spread $100,000-$249,999 $100,000-$249, % Fixed Account 2.35% Fixed Account 1.85% Fixed Account 3.45% Ann Pt-to-Pt Cap 2.45% 3.45% Ann Pt-to-Pt Cap 2.45% 1.50% 1 Year Monthly Cap 1.65% 1 Year Monthly Cap $100,000 + $100, % Perf. Triggered Rate 2.90% Perf. Triggered Rate 9.15% 2 Yr Pt-to-Pt Cap 10.40% 2 Yr Pt-to-Pt Cap 1.75% 1 Year Monthly Cap $250,000+ $250, % Perf. Triggered Rate 4.15% Perf. Triggered Rate 3.30% Perf. Triggered Rate 3.65% Ann Pt-to-Pt Cap 2.65% 3.65% Ann Pt-to-Pt Cap 2.65% 2.25% Fixed Account 2.50% Fixed Account 3.05% 1 Yr Mo Avg Spread 1.60% 1 Year Monthly Cap 1.75% 1 Year Monthly Cap 2.00% Fixed Account 2.90% Perf. Triggered Rate 3.10% Perf. Triggered Rate APP/MPP/All or Nothing/Fixed Account 2 Yr PTP\All or Nothing\Fixed Acct Ann Pt-to-Pt/Mo Pt-to-Pt/Mo Avg 6 Years 8 Years 5 Years $25,000 NQ/Q $25,000 NQ/Q $5,000 NQ/ $2,000 Q Call for Details Call for Details CT, DE, NY NY NY NY Approved in all states 10,10,10,10,9,8,7,6,5,4 9,8,7,6,4.75,3.50 9,8,7,6,4.75,3.50,2,0.75 9,8,7,6,5 7.00% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Bailout Product 6% Premium Bonus (Most States) IncomeChoice Rider included at a cost of 1.10% Bailout Product 50% Interest Bonus applied annually 1.75% Ages % Ages % Ages % Age 85 Visit 's website Page 2 of 8

3 Lincoln Financial Group Lincoln OptiChoice 7 Lincoln OptiChoice 9 Lincoln OptiPoint 8 Lincoln OptiPoint 10 Lincoln OptiBlend 7 A+ AM Best A + AM Best A + AM Best A+ AM Best A+ AM Best AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex 1.75% 1 Year Monthly Cap 1.85% 1 Year Monthly Cap 2.55% 2 Yr Monthly Cap 2.55% 2 Yr Monthly Cap 3.60% Annual Pt-to-Pt Cap 3.40% Perf. Triggered Rate 3.55% Perf. Triggered Rate 6.85% 2 Yr Pt-to-Pt Cap 6.85% 2 Yr Pt-to-Pt Cap 3.30% Perf. Triggered Rate 2.95% 1 Yr Mo Avg Spread 2.70% 1 Yr Mo Avg Spread 3.00% Perf. Triggered Rate 3.00% Perf. Triggered Rate 2.00% 1 Yr PTP Spread 2.05% Fixed Account 2.15% Fixed Account 1.75% Fixed Account 1.75% Fixed Account 2.00% Fixed Account Premium Bonus Premium Bonus 1.90% 1 Year Monthly Cap 2.00% 1 Year Monthly Cap 2.00% Yrs 1-3 Below $100, % Yrs 1-4 Below $100, % Annual Pt-to-Pt Cap 3.65% Perf. Triggered Rate 3.80% Perf. Triggered Rate 3.00% Yrs % Yrs % Perf. Triggered Rate 2.50% 1 Yr Mo Avg Spread 2.30% 1 Yr Mo Avg Spread 1.85% 1 Yr PTP Spread 2.20% Fixed Account 2.30% Fixed Account 2.15% Fixed Account Annual Point-to-Point/Monthly Point-to-Point/Monthly Average 7 years 9 Years 2 Yr PTP/2 Year Mo PTP/All or Nothing 8 Years APP/All or Nothing/Fixed Account 7 years $5,000 NQ/ $2,000 Q $5,000 NQ/ $2,000 Q 87.50% of Premium 9,8,7,6,5,4,3,2 Approved in all states 9,8,7,6,5,4,3,2,1 9,8,7,6,5,4,3,2 AK, MN, NY, OR, UT 10,9,8,7,6,5,4,3,2,1 AK, CA, HI, LA, MN, MS, MO, NJ, NY, OR, PA, TX, UT, VT, VA, WA 9,8,7,6,5,4,3 4.10% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Age % Ages % Age % Ages % Age % Age % Age 85 Nursing & inal Illness Waiver Annual Point to Point spread account is the S&P 500 Daily Risk Control 5% Index ( AKA Volatility Controlled) Visit 's website Page 3 of 8

4 Lincoln Financial Group North American Lincoln OptiBlend 10 NAC Benefit Solutions NAC IncomeChoice NAC IncomeChoice NAC RetireChoice Ages Ages Ages Ages A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best AA- Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex S&P 500 $20k - $249,999 $250,000+ $20k - $249, % Annual Pt-to-Pt Cap 70.00% Mo Avg Par Rate - NO CAP 3 Yr MA/MA/APP/MPP 3 Yr MA/MA/APP/MPP MA/APP/MPP 3.70% Perf. Triggered Rate 4.50% Annual Pt-to-Pt Cap 1 45%/40%/2.50%/1.35% 1 50%/40%/2.85%/1.55% 1 35%/2.85%/1.40% 1.50% 1 Yr PTP Spread 2.20% 1 Year Monthly Cap 2 N/A/40%/2.00%/N/A 2 N/A/45%/2.00%/N/A 2 40%/2.00%/N/A 2.25% Fixed Account DJIA 3 N/A/35%/2.00%/N/A 3 N/A/35%/2.00%/N/A 3 30%/2.00%/N/A 80.00% Mo Avg Par Rate - NO CAP 4 N/A/N/A/2.00%/N/A 4 N/A/N/A/2.00%/N/A 4 N/A/2.00%/N/A NASDAQ N/A/N/A/2.00%/1.30% 5 N/A/N/A/2.00%/1.40% 5 N/A/2.00%/1.25% 4.50% Annual Pt-to-Pt Cap 2.10% 1 Year Monthly Cap 1.40% Fixed Account 1.55% Fixed Account 1.35% Fixed Account 4.00% Perf. Triggered Rate S&P 500 Low Volatility Daily Risk 1.25% 1 Yr PTP Spread Control 5% 2.40% Fixed Account 1.35% 1 Yr Mo Avg Spread 2.30% Fixed Account APP/All or Nothing/Fixed Account APP/Mo Pt-to-Pt/Fixed Account 14 years $20,000 NQ/Q 5.00% Premium Bonus GLWB Only 5.00% Premium Bonus GLWB Only Daily Avg/Annual Pt-to-Pt/Mo Pt-to-Pt $50,000 NQ/Q $50,000 NQ/Q 3.00% Premium Bonus GLWB Only 14 Years $20,000 NQ/Q 5% After the first Policy Year 5% After the first Policy Year 5% After the first Policy Year 5% After the first Policy Year 87.50% of Premium 0.25% 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium s AK, CA, HI, LA, MN, MS, MO, NJ, NY, OR, PA, TX, UT, VT, VA, WA AK, CA, CT, DE, IL, MN, MO, NV, NY, OH, OK, OR, PA, SC, TX, UT, VA, WA 7.00% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Age 80 Nursing & inal Illness Waiver Annual Point to Point spread account is the S&P 500 Daily Risk Control 5% Index ( AKA Volatility Controlled) 12,12,11,11,10,9,8,7,6,5,4,3,2,1 Rider Charge % 10,10,10,10,10,9,8,6,4,2 AK, CA, CT, DE, MN, MO, NV, NY, OR, SC, UT, VA, WA 10,10,10,10,10,9,8,7,6,5,4,3,2,1 Account Description #1 - S&P 500 #2 - DJIA #3 - S&P Midcap 400 #4 - Afternoon London Gold Market #5 - NASDAQ ,10,10,10,10,9,8,7,6,5,4,3,2,1 reductions in OH, OK, UT & VA. Call for details. Great product for Lifetime Income. Applied bonus is for Guaranteed Lifetime Withdrawal Benefit only. Call for rates above $250k Visit 's website Page 4 of 8

5 North American No. Amer. Charter 10 No. Amer. Charter 14 Freedom Choice 8 Freedom Choice 10 Freedom Choice 14 Ages 0-79 NQ/Q Ages 0-75 NQ/Q Ages 0-79 NQ/Q Ages 0-75 NQ/Q A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex Daily Avg Cap/Ann Pt-to-Pt Cap Daily Avg Cap/Ann Pt-to-Pt Cap Below $250k/$250k+ Below $250k/$250k+ Below $250k/$250k %/2.00% %/2.10% %/3.15% %/3.50% %/4.55% %/2.00% %/2.00% %/3.00% %/3.40% %/4.45% %/2.00% %/2.00% %/2.85% %/3.20% %/4.20% %/2.00% %/2.00% %/2.95% %/3.35% %/4.35% 5 N/A/2.00% 5 N/A/2.00% %/3.00% %/3.40% %4.40% 1.20% Fixed Account 1.25% Fixed Account 1.40% Fixed Account (1.75% - $250k+) 1.65% Fixed Account (2.00% - $250k+) 2.50% Fixed Account (2.10% $250k+) Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt 1.25% S&P 500 (NASDAQ 1.10%) 1.30% S&P 500(NASDAQ 1.15%) 1.45% S&P 500 (NASDAQ 1.25%) 1.60% S&P 500(NASDAQ 1.50%) 1.95% S&P 500(NASDAQ 1.85%) 5.00% Premium Bonus 8.00% Premium Bonus Rates vary for the state of Texas. Please call to verify Texas rates! Daily Avg/Annual Pt-to-Pt/Mo Pt-to-Pt Annual Point-to-Point/Monthly Point-to-Point/Fixed Account 14 Years 8 Years 14 Years AL, AK, CT, DE, MN, NY, OR, UT, WA 10% Penalty-Free Option $10,000 NQ/$2,000 Q 10% Penalty-Free Option 10% Penalty-Free Option 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 15,14,13,12,11,10,8,6,4,2 AL, AK, CT, DE, MN, NY, OR, UT, WA AL, AK, CT, DE, MN, MT, NV, NY, OR, UT, VT, VA, WA AL, AK, CT, DE, MN, MT, NV, NY, OR, UT, VT, VA, WA 18,18,17,15,15,15,15,14,12,10,8,6,4,2 9,9,8,7,6,5,4,2 9,9,9,9,8,8,7,7,6,6,5,4,3,2 6.50% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % reduction in MN & VA 1& reduction in MN & VA Account Description 1% reduction in Mo #1 - S&P 500 #2 - DJIA #3 - S&P Midcap 400 #4 - Russell 2000 #5 - NASDAQ 100 Visit 's website Page 5 of 8

6 NACOLAH (North American Company of Life and Health) North American Ten Performance Choice 8 Performance Choice 8 Plus Performance Choice 12 Performance Choice 12 Plus Ages 0-79 NQ/Q Ages 0-75 NQ/Q Ages 0-75 NQ/Q A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex Ann Pt-to-Pt Cap/MA Cap Ann Pt-to-Pt Cap Ann Pt-to-Pt Cap Ann Pt-to-Pt/Cap Ann Pt-to-Pt/Cap %/2.25% % % % % %/2.15% % % % % %/2.00% % % % % %/2.00% % % % % %/N/A % % % % %/N/A % % % % 1.25% Fixed Account 1.90% Fixed Account 1.25% Fixed Account 1.95% Fixed Account 1.30% Fixed Account Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt 1.30% S&P 500(NASDAQ 1.15%) 1.85% S&P 500 (NASDAQ 1.70%) 1.35% S&P 500 (NASDAQ 1.15%) 1.90% S&P 500(NASDAQ 1.70%) 1.40% S&P 500(NASDAQ 1.20%) 6.00% Premium Bonus 4.00% Premium Bonus 7.00% Premium Bonus Annual Pt-to-Pt/Mo Pt-to-Pt Annual Pt-to-Pt/Mo Pt-to-Pt 8 Years 8 Years 12 years 12 years $10,000 NQ/$2,000 Q $10,000 NQ/$2,000 Q $10,000 NQ/$2,000 Q 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium AL, AK, CT, DE, MN, NV, NY, OH, OR, TX, UT, WA 18,16,14,12,11,10,8,6,4,2 AK, CT, DE, MN, MO, NV, NY, OR, VA, WA 10,10,10,10,9,8,5,3 18,16,14,12,11,10,8,6,4,2 5.50% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % reduction in MO & VA 1% reduction in SC, TX & UT Account Description #1 - S&P 500 #2 - DJIA #3 - S&P Midcap 400 #4 - Russell 2000 #5 - NASDAQ 100 #6 - DJ EuroSTOXX 50 Bonus recapture on Bonus recapture on Performance Choice 8 Plus Performance Choice 12 Plus 10,10,10,10,9,8,5,3 AK, CT, DE, MN, MO, NV, NY, OR, UT, VA, WA Visit 's website 10,10,10,10,10,9,8,7,6,5,4,2 Page 6 of 8

7 Protective Index Annuity II Protective Life Protective Index Annuity II Protective Index Annuity II Protective Index Annuity II Protective Index Annuity II A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors 88 Comdex 88 Comdex 88 Comdex 88 Comdex 88 Comdex With Principal Protection With Principal Protection Below $100,000 Below $100,000 Below $100,000 Below $100,000 Below $100, % Annual Pt-to-Pt Cap 3.20% Annual Pt-to-Pt Cap 4.50% Annual Pt-to-Pt Cap 3.40% Annual Pt-to-Pt Cap 4.90% Annual Pt-to-Pt Cap 2.60% Perf. Triggered Rate 1.85% Perf. Triggered Rate 2.85% Perf. Triggered Rate 2.00% Perf. Triggered Rate 3.20% Perf. Triggered Rate 1.95% Fixed Account 1.00% Fixed Account 2.10% Fixed Account 1.00% Fixed Account 2.20% Fixed Account $100, % Annual Pt-to-Pt Cap $100, % Perf. Triggered Rate 3.50% Annual Pt-to-Pt Cap 4.80% Annual Pt-to-Pt Cap 3.70% Annual Pt-to-Pt Cap 5.20% Annual Pt-to-Pt Cap 2.10% Fixed Account 2.15% Perf. Triggered Rate 3.15% Perf. Triggered Rate 2.30% Perf. Triggered Rate 3.50% Perf. Triggered Rate 1.00% Fixed Account 2.25% Fixed Account 1.00% Fixed Account 2.35% Fixed Account 4.00% Interest Rate Enhancement on Performance Triggered Account when market is above 15% 5 Years Annual Point-to-Point/All or Nothing/Fixed Account 5 Years 7 Years 7 Years 1.00% on 100% of Premium 1.00% on 100% of Premium 1.00% on 100% of Premium 1.00% on 100% of Premium 1.00% on 100% of Premium CT, DE, NY CT, DE, NY CT, DE, NY CT, DE, NY CT, DE, NY 9,9,8,7,6 9,9,8,7,6 9,9,8,7,6,5,4 9,9,8,7,6,5,4 2.55% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Visit 's website Page 7 of 8

8 Protective Life Voya (Previuosly ING) Protective Index Annuity II Secure Index Five Secure Index Five Secure Index Seven Secure Index Opp. Plus A+ AM Best A AM Best A AM Best A AM Best A AM Best AA- Standard & Poors A- Standard & Poors A- Standard & Poors A- Standard & Poors A- Standard & Poors 88 Comdex 77 Comdex 77 Comdex 77 Comdex 77 Comdex With Principal Protection $15,000 Band $75,000 Band $15,000 Band $15,000 Band Below $100k 2.00% Ann Pt-to-Pt Cap 3.00% Ann Pt-to-Pt Cap 3.25% Ann Pt-to-Pt Cap 1.50% Ann Pt-to-Pt Cap 3.90% Annual Pt-to-Pt Cap 0.75% 1 Year Monthly Cap 1.35% 1 Year Monthly Cap 1.20% 1 Year Monthly Cap 0.35% 1 Year Monthly Cap 2.45% Perf. Triggered Rate 1.75% Perf. Triggered Rate 2.75% Perf. Triggered Rate 2.50% Perf. Triggered Rate 1.25% Perf. Triggered Rate 1.00% Fixed Account 1.50% Fixed Account 1.50% Fixed Account 2.00% Fixed Account 1.20% Fixed Account 4.20% Annual Pt-to-Pt Cap $15,000 Band (ROP) $75,000 Band (ROP) $75,000 Band $75,000 Band 2.75% Perf. Triggered Rate 1.50% Ann Pt-to-Pt Cap 2.50% Ann Pt-to-Pt Cap 4.25% Ann Pt-to-Pt Cap 2.75% Ann Pt-to-Pt Cap 1.00% Fixed Account 0.65% 1 Year Monthly Cap 1.25% 1 Year Monthly Cap 1.70% 1 Year Monthly Cap 1.00% 1 Year Monthly Cap 4.00% Interest Rate Enhancement on Performance Triggered Account when market is above 15% Annual Pt-to-Pt/All or Nothing/Fixed 1.25% Perf. Triggered Rate 2.25% Perf. Triggered Rate 3.50% Perf. Triggered Rate 2.25% Perf. Triggered Rate 1.25% Fixed Account 1.25% Fixed Account 2.00% Fixed Account 1.20% Fixed Account 5 Years Annual Point-to-Point/Monthly Point-to-Point/Performance Triggered/Fixed 5 Years 7 years $15,000 NQ/Q $15,000 NQ/Q $15,000 NQ/Q $15,000 NQ/Q 1.00% on 100% of Premium CT, DE, NY 1.00% on 87.50% of Premium 1.00% on 87.50% of Premium 1.00% on 87.50% of Premium 2.00% on 87.50% of Premium NY, OR NY, OR NY, OR AK, CT, DE, MN, NJ, NY, OR, WA 8,7.5,6.5,5.5,4.5 8,7.5,6.5,5.5,4.5 10,10,10,10,9,8,7 10,10,10,10,9,8,7,6,5,4 3.94% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Great Return of Premium Product 5% Premium Bonus Visit 's website Page 8 of 8

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

How To Get A Long Term Annuade Plan For A Pension From A Pension Fund

How To Get A Long Term Annuade Plan For A Pension From A Pension Fund 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

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

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

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

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

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

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 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

Hindsight Index Strategy

Hindsight Index Strategy Interest s Effective April 14, 2015 North American Company for Life and Health Insurance Annuity Interest s & Features Effective April 14, 2015 Applications must be received prior to the effective date

More information

North American Charter SM Plus

North American Charter SM Plus Annuity Interest Rates Effective January 5, 2016 Summary of Changes: 5-year interest rates increase on the North American Guarantee Choice SM and North American Guarantee Choice SM II, Multi-Year Guarantee

More information

NEW! 866-322-7066. Rate Sheet Format! Quick Links: QUESTIONS? Call Sales Support. Annuity Interest Rates Effective June 4, 2015. Summary of Changes:

NEW! 866-322-7066. Rate Sheet Format! Quick Links: QUESTIONS? Call Sales Support. Annuity Interest Rates Effective June 4, 2015. Summary of Changes: Annuity Interest Rates Effective June 4, 2015 Summary of Changes: New rate sheet format Decreased 5-year low band rates on North American Guarantee Choice SM and North American Guarantee Choice II North

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

IMPORTANT: Not all products, index options, or surrender charge

IMPORTANT: Not all products, index options, or surrender charge Annuity Interest Rates Effective December 1, 2015 Summary of Changes: Moved North American Charter and North American Precision Series to link for other product options (see lower right). Premium Bonus

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

IMPORTANT: Not all products, index options, or surrender charge

IMPORTANT: Not all products, index options, or surrender charge Annuity Interest Rates Effective September 29, 2015 Summary of Changes: NEW North American Charter SM Plus Fixed Index Annuity Premium Bonus special on NAC RetireChoice extended through November! 5-year

More information

Interest Rates Effective January 20, 2015. Annuity Interest Rates & Features

Interest Rates Effective January 20, 2015. Annuity Interest Rates & Features Interest s Effective January 20, 2015 North American Company for Life and Health Insurance Annuity Interest s & Features Effective January 20, 2015 Applications must be received prior to the effective

More information

How To Rate Plan On A Credit Card With A Credit Union

How To Rate Plan On A Credit Card With A Credit Union 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

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

2.60% 5-Year MYGA Rate North American Guarantee Choice SM Multi-Year Guarantee Annuity (MYGA) (High Band: $200,000 or more)

2.60% 5-Year MYGA Rate North American Guarantee Choice SM Multi-Year Guarantee Annuity (MYGA) (High Band: $200,000 or more) Annuity Interest Rates Effective July 1, 2015 Summary of Changes: North American Guarantee Choice SM and North American Guarantee Choice SM II (Multi-Year Guarantee Annuity) rates increase. No other rates

More information

MNL IndexBuilder SM 10- and 14-Year MNL BenefitPay SM 10- and 14-Year

MNL IndexBuilder SM 10- and 14-Year MNL BenefitPay SM 10- and 14-Year Annuity Interest Interest Rates Rates Effective January 5, 2016 Effective January 5, 2016 Annuity Summary of Changes: 5-year interest rate increase on the Guarantee Ultimate and Guarantee Ultimate II,

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

NEW! Rate Sheet Format! 877-586-0241. Quick Links: QUESTIONS? Annuity Interest Rates Effective June 4, 2015. Summary of Changes:

NEW! Rate Sheet Format! 877-586-0241. Quick Links: QUESTIONS? Annuity Interest Rates Effective June 4, 2015. Summary of Changes: Annuity Interest Rates Effective June 4, 2015 Annuity Summary of Changes: New rate sheet format Decreased 5-year low band rates on Guarantee Ultimate and Guarantee Ultimate II MNL Pinnacle no longer available

More information

Interest Rates Effective April 29, 2014. Annuity Interest Rates & Features

Interest Rates Effective April 29, 2014. Annuity Interest Rates & Features Interest s Effective April 29, 2014 North American Company for Life and Health Insurance Annuity Interest s & Features Effective April 29, 2014 Applications must be received prior to the effective date

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

Interest Rates Effective August 26, 2014. Annuity Interest Rates & Features

Interest Rates Effective August 26, 2014. Annuity Interest Rates & Features Interest s Effective August 26, 2014 North American Company for Life and Health Insurance Annuity Interest s & Features Effective August 26, 2014 Applications must be received prior to the effective date

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

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

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

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

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

North American Company for Life and Health Insurance Annuity Interest Rates & Features Effective February 27, 2013

North American Company for Life and Health Insurance Annuity Interest Rates & Features Effective February 27, 2013 North American Company for Life and Health Insurance Annuity Interest s & Features Applications must be received prior to this date to hold previous rates. s on 1035 Exchanges/ Transfers will be held 45

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Catch The Genworth Linked Benefit Wave Producer s Summit

Catch The Genworth Linked Benefit Wave Producer s Summit 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

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: 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PEOPLE, PRICE, PRODUCT, PROMOTION and PRIDE

PEOPLE, PRICE, PRODUCT, PROMOTION and PRIDE Contact Information 1603 Lyndon B Johnson Freeway Suite 350 Dallas, Texas 75234 (972) 243-7648 Fax: (972) 243-2494 corporate@sunridgemanagement.com www.sunridgemanagement.com Proven Keys to Successful

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

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

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

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

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

ForeFront TM Fixed Index Annuity Series Agent Training

ForeFront TM Fixed Index Annuity Series Agent Training ForeFront TM Fixed Index Annuity Series Agent Training FOR AGENT USE ONLY NOT FOR USE WITH THE PUBLIC 2014 Forethought Two products, one purpose - to meet the unique needs of each client The ForeFront

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

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

Who provides this training? Are there any requirements? The parents/guardians and the doctor go through the medication curriculum with the student.

Who provides this training? Are there any requirements? The parents/guardians and the doctor go through the medication curriculum with the student. AL AK AZ AR Student, if they have a chronic condition school nurse or school administrators The student, if their parent/guardian authorizes them to. Trained school personnel can also administer Students

More information

Funding Your Technology and Archive Conversion Needs

Funding Your Technology and Archive Conversion Needs Funding Your Technology and Archive Conversion Needs Presented at the NACRC Legislative Conference March 5, 2011 Facilitators: Larry Burtness & Carol Foglesong Technology funding The question was asked

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

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

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

LIMITED LIABILITY COMPANY ORGANIZATION CHART

LIMITED LIABILITY COMPANY ORGANIZATION CHART LIMITED LIABILITY COMPANY ORGANIZATION CHART The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited liability company in all 50 states

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

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

CDFI FUND NEW MARKETS TAX CREDIT PROGRAM:

CDFI FUND NEW MARKETS TAX CREDIT PROGRAM: CDFI FUND US Department of the Treasury NEW MARKETS TAX CREDIT PROGRAM: SECOND ROUND (2003-2004) Allocatees Serving Allocatee Name (Award Amount) AK 1 Alaska Growth Capital BIDCO, Inc. ($35 million) Total:

More information

Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015

Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015 Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: Economy-Wide Statistics Division Briefs: Public Sector Graphical Summary By Phillip Vidal Released

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 Future of Nursing Report

The Future of Nursing Report The Future of Nursing Report Illinois Healthcare Action Coalition Strategic Planning Meeting June 16, 2011 Susan B. Hassmiller, PhD, RN, FAAN Campaign for Action Campaign Vision All Americans have access

More information

LexisNexis Law Firm Billable Hours Survey Report

LexisNexis Law Firm Billable Hours Survey Report LexisNexis Law Firm Billable Hours Survey Report Executive Summary Despite the critical impact on a firm s bottom line, it remains challenging for some attorneys and legal staff to efficiently capture

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

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

handbook PRODUCT FOOTPRINT ONLINE TOOLS SALES CONNECT CONTACT

handbook PRODUCT FOOTPRINT ONLINE TOOLS SALES CONNECT CONTACT handbook PRODUCT FOOTPRINT ONLINE TOOLS SALES CONNECT CONTACT Product Portfolio Security Life offers products to both individuals through our personal dental and vision plans as well as to employers through

More information

What does Georgia gain. by investing in its

What does Georgia gain. by investing in its What does Georgia gain by investing in its colleges and universities 2 A tremendous return: More economic prosperity. Less government spending. A stronger competitive advantage. A higher quality of life.

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

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

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012 LexisNexis Law Firm Billable Hours Survey Top Line Report June 11, 2012 Executive Summary by Law Firm Size According to the survey, we found that attorneys were not billing all the time they worked. There

More information