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 7.0 3.5 0 B 5.0 2.5 0.5 C 3.0 1.5 1.0 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 9.0 4.5 0 B 7.0 3.5 0.5 C 4.5 2.25 1.0 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 9.0 4.5 0 B 7.0 3.5 0.5 C 4.5 2.25 1.0 Commissions reduced at ages 76+ 3 Account Options 1) Fixed Acct 2) Monthly Pt-Pt w/ Ann. Reset/Ratchet 3) Biannual reset/ratchet pt-pt 9yr 12yr 2yr- 14.25% 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 0-75 7.0% 9.0% 76-80 4.5% 5.0% 81-85 3.0% 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%, 76-80 = 4% 10 year 0-75 = 10%, 76-80 = 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
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% 2-4.15% 3.85% Minimum s 1 years 2-7 (4%) 2 after yr 7 and 10 (2%) 1 2.00% Spread (15% max spread) 2 10.00% (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) 5 4.00% (**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%, 76-80 = 4% 81-85 = 10 year 0-75 = 8%, 76-80 = 6.5% 81-85 = 5% 0-75 = 7%, 76-80 = 5.25%, 81-85 = 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 2+ 90 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
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 - 9.00% Minimum 5% Fixed Acct-4.00% Min. Fixed 2.00% (Floating 3.00%) Commission 4% ages 0-79 2% 80-90 6yr 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: 1 11.5%(min) 2 9.00% (min) 3 3.00% (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 2.75% (1% min) 2 3.40% (1% min) 3 4.00% (1% min) Fixed Account *3.10% (3.00%min) **3.10%(2.min) No fixed account S&P 500 100% PR Guaranteed 75k+ 7yr 9.00% 9.75% Min yrs 2-7 5.00% Thereafter 3.00% 0-79 80-85 7% ages 0-79 9% ages 0-79 0-75 = 5.00% 6yr 4.0% 2.00% 3.5% ages 80-85 4.5% ages 80-85 76-80 = 2.70% 8yr 5.5% 2.75% See below for trail info 81-85 = 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 17.5/16.5/15.5/14.5 12/11/10/8/6/4/2 12/11/10/9/8/7/6/4/2 9/9/8/7/6/5/4 13.5/12.5/11.5/10.5 9 Years 7 Years 9.5/8.5/7.5/6.5 12 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
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 3.15% (3.0% Min) Max Spread = 8% Commission 0-75NQ / 18-75Q = 7.5% 76-80 = 6.15% 81-85 = 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 1-1.15% 0.55% 2-7.75% 8.50% 3-50% 55% 4-4.40% 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 1-1.10% 0.60% 2-7.25% 8.00% 3-50% 55% 4-4.10% 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 1-1.55% 1.05% 2-6.00% 6.75% 3-45% 50% 4-3.55% 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 70-85 ** Under 58 12 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
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% 66 88 5yr 7yr 9yr s/ Min. Guar. 5yr 10yr Fixed Acct 3.35% 2yr- 19.00% 19.25% 1) 8.00% 8.10% 8.20% 1 16.00% (7% min) PR 100% 100% Total Return PTA- 7.00% 7.10% 2) 2.60% 2.65% 2.70% 2 3.65% (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 3-6.20% (2.5% min) 4) 4.35% 4.40% 4.45% 3.75% 100% PR guar. 1) Min. (2.50%) 4 4.15% (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 0-80 66 3.5% 0-75, 2.25% 5yr 7yr _ 9yr 5yr 4.5%,3.5% 70-85 9% yrs 1-3 76-80, 1% 81+ 0-75 5.0% 6.0% 7.0% 0-75 = 8% 4% yrs 4-6 88 4.5% 0-75, 76-76-80 3.5%4.25% 4.75% 80, 1.5% 81+ 81-85 2.25%2.75% ** 10yr 5.5%, 4.5% 70-85 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 0-55 12/12/11/10/9/ 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 9/8/7/6/4.75/3.75 6 Years 9/8/7/6/4.75/3.5/2/ 0.75 8 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 81-85 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
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% 70-85 2 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% 0-75 3.5% 76+ Based on owner age 10yr 5.5%, 4.5% 70-85 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% 0-75 5.5% 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+ 1. 7.50% 8.00% 2. 7.25% 7.75% 3. 11.00% 12.00% 4. 2.20% 2.30% 5. 3.90% 3.90% Min. fixed acct = 2.0% 100% PR Guaranteed 0-75 = 4% 76-85 = 2.80%.25% trail yrs. 6+ 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 Under $100K 100K+ 1. 6.50% 7.00% 2. 6.37% 6.87% 3. 10.00% 11.00% 4. 2.00% 2.10% 5. 3.4 0% 3.40% Min. fixed acct = 2.5% 100% PR Guaranteed 0-75 = 7.25% 76-85 = 5.075% 0-85 0-85 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 window @ 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
Carrier Principal Life RBC Insurance RBC Insurance RBC Insurance Ratings Assets 111.7 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 0-76 5% 76-above - 3.3 Reduced over $2 Million 3.25% @ 0-75 2.25% @76-80 1.25% @81-85 6% @ 0-75 4.75% @76-80 3.50% @81-85 9% @ 0-75 7.25% @76-80 5.25% @81-85 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
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% 81-85 = 2.25% 2.75% 86-90 = 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 81+ 100% Participation Rate up to the. 25% PR above Guaranteed 9% No minimum cap No fixed account 0-80 9.00% 81-85 5.00% 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 0-75 4.5% 76-85 2.25% 7yr 5% 0-75 2.5% 76-85 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 0-80 5.00% with.50% trail in years 2+ 81-85 3.00% with.50% trail in years 2+ Option C 0-85 1.00% with 1.00% trail in years 2+ 45 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