|
|
Rates Guaranteed For Term Of Surrender Period |
| Term End Point |
|
| Jackson National ELITE 90 |
7 yr -50%, 9 yr - 55%, 12 yr -55% with final 52 weeks
averaged |
| Jackson National ELITE 90
w/Cap |
100% participation rate,
maximum total return is 5 yr - 26%, 7 yr - 39%, 9 yr - 40%, 12 yr - 65% |
|
|
| Point-to-Point Annual Reset |
|
| American National EIA |
5.05% (4.65% w/ ROP) credited in years index
doesn't go down |
|
|
| Term Yield Spread |
|
| ING MarketSmart |
5 yr - 3.25%, 6 yr - 3.05%, 7
yr - 2.95%, 10 yr - 2.85% yield spread
deducted from term annual return, last 12 months averaged |
|
|
| Other |
|
| AIG Constellation |
half of premium receives 100%
term end point, last 30 days averaged; other half earns 4.10% |
| Keyport MultiPoint |
1 yr-30% with 10% cap, 5 yr-80%, 7
yr-90%, 10 yr-100% of averaged gain using highest anniversary |
| American National
Value-Lock 7, 10 |
100% of rolling averaged gain using highest anniversary |
|
|
| Term End Point |
Rates NOT Guaranteed For Term Of Surrender Period |
| Allianz PowerDex Elite |
10 yr - 100% subject to 7%
maximum annual increase, 5-year look-back provision |
| 5% Bonus Allianz PowerDex
Elite |
10 yr - 100% subject to 6%
maximum annual increase, 5-year look-back provision |
| 10% Bonus Allianz PowerDex
Elite |
10 yr - 100% subject to 8%
maximum annual increase |
|
|
|
|
| Point-to-Point Annual Reset |
Current Rate |
| Allianz FlexDex MultiChoice
Elite |
55% of gain up to 7%
cap, 3% or 5% bonus |
| American Equity Compass Select |
50% of gain , or 100% to 6.5% cap, 1% per year bonus |
| American Equity Freedom Gold |
100% of gain up to 6.5% cap (5%
cap - Lehman Bond) |
| American Equity Future Gold |
100% of gain up to 6.5% cap (5%
cap - Lehman Bond) |
| American Equity Platinum Gold |
100% of gain up to 6.5% cap (5%
cap - Lehman Bond) |
| American Equity Millennium
Gold |
50% of gain, 1.5% premium bonus |
| American Equity Premier Gold |
50% of gain), 7.5% premium bonus |
| American Equity Prestige Gold |
100% of gain up to 6.5% cap (5%
cap - Lehman Bond), 3% premium bonus |
| Americo FlexPlus |
2 % yield spread deducted
from 70% of annual gain or
2% yield spread deducted from 80% of annual gain up to 10% cap |
| American Equity Premier Plus |
70% of gain, 11.5% cap |
| Aviva Progressive Index |
100% of gain up to 6.5% cap or
25% of gain up to 12.75% cap then 100% thereafter |
| Equitrust MarketPower Bonus |
100% of gain up to 6.5% cap |
| Equitrust Market Value Index |
100% of gain up to 7.0% cap |
| Equitrust Market Seven Index |
100% of gain up to 7.5% cap |
| Equitrust Market Booster Index |
100% of gain up to 7.0% cap |
| Great American Icon, Legend,
Valor |
100% of gain, 7% index cap |
| ING Income Outcome |
100% of gain up to 6% cap, 11%
cap if annuitized at end of surrender period |
| ING USG Secure |
100% of gain up to 7% cap (6% under $100,000), or
5.75% cap (5% under $100,000) with 2% minimum |
| Lafayette Marquis Flex |
100% of gain up to 5 yr-4.75%
interest cap,
10 yr-6% interest cap (1.5% min guarantee) |
| LSW Secure Plus Gold |
70% of gain up to 6.5% interest cap |
| LSW Secure Platinum |
100% of gain up to 6.8%
interest cap |
| Lincoln Benefit Savers Index |
60% of gain up to 8.5%
interest cap or 100%
of gain up to 7.5% interest cap |
| Midland National Legacy Bonus Five |
3.05% yield spread (S&P
500)
deducted from annual gain up to 12% index cap
3.2% - Dow; 4.10% - Nasdaq; 4.25% - Russell 2000 |
| Midland National APP 10 |
2.25.% yield spread (S&P
500)
deducted from annual gain up to 12% index cap |
| Midland National APP 16 |
1.70% yield spread (S&P
500)
deducted from annual gain up to 14% index cap |
| Midland National Legacy Bonus 11 |
4.5% yield spread (S&P
500)
deducted from annual gain up to 12% index cap
4.75% - Dow; 5.9% - Nasdaq; 5.65% - Russell 2000, 5.55% - S&P
400 |
| Midland National Legacy Select
APP |
60% of gain, 12% index cap
60% of gain - Dow; 50% of gain - Nasdaq; 50% of gain - S&P 400; 50% of
gain - Russell 2000 |
| Midland National Veridian APP |
3.65% yield spread (S&P
500)
deducted from annual gain up to 12% index cap |
| Midland National Veridian Plus
APP |
4.80% yield spread (S&P
500)
deducted from annual gain up to 12% index cap |
| Midland National Legacy Bonus Five |
3.05% yield spread (S&P
500)
deducted from annual gain up to 12% index cap
3.2% - Dow; 4.55% - Nasdaq; 4.25% - Russell 2000 |
| Nationwide Clear Horizon |
100% of gain up to 8.0% cap (7.5% w/return of principal feature) |
| North American Classic Plus APP |
50% of gain, 12% index cap |
| North American Classic APP |
60% of gain, 12% index cap |
| North American Choice II APP |
70% of gain, 12% index cap |
| North American Choice III Plus
APP |
85% of gain, 12% index cap |
| North American Heritage Max |
60% of gain. 12% index cap |
| North American Heritage Bonus |
60% of gain, 12% index cap |
| North American Simple 7 |
70% of gain, 12% index cap |
| Old Mutual Index
Rewards |
100% of gain, 8% index cap |
| Old Mutual Index
Rewards 5 |
100% of gain, 7.5% index cap |
| Old Mutual
Rewards Choice 7 |
100% of gain, 7% index cap |
| Oxford Life Affluence, II, IV |
1.5% 1.5%(1.7%-II, 1.9%-IV)
yield spread
deducted from annual gain, 10% index Cap |
| Physicians Vista Index
Solutions |
100% of gain up to 6% cap (7
yr), 100% of gain up to 6% (10 yr), 6.25% (15 yr) |
| Physicians Vista Index
Elite |
100% of gain
up to 6.5% cap (5 yr), 100% of gain up to 8.5% (10 yr) |
| Transamerica Select Index 500 |
100% of gain up to 6.85% interest
cap |
| Standard (IN) Equity Max |
100% of gain up to 6% |
| Union Central FlexIndex |
50% of gain or 100% of gain up to
6.5% interest cap |
|
|
| Averaged Annual Reset |
|
| Allianz Flex MultiChoice Elite |
100% of monthly averaged gain
up to 7% cap, 3% or 5% bonus |
| Allianz BonusDex Elite |
100% of monthly averaged gain
up to 9% cap, 5% or 10% bonus |
| American Equity Compass Select |
75% or 100% of monthly averaged gain
up to 9% cap, 1% per year bonus |
| American Equity Freedom Gold |
100% of monthly averaged gain
up to 9% cap |
| American Equity Future Gold |
100% of monthly averaged gain
up to 9% cap |
| American Equity Future Platinum |
75% or 100% of monthly averaged gain
up to 10% cap, 1% per year bonus |
| American Equity Millennium
Gold |
75% of monthly averaged gain,
1.5% premium bonus |
| American Equity Prestige Gold |
100% of monthly averaged gain
up to 9% cap, 3% premium bonus |
| Conseco FPDA-500, SPDA-500 |
100% (65% base) of average monthly
values |
| Conseco Liberty |
100% (65% base) of average monthly
values |
| Conseco Classic Select |
100% (65% base) of average
monthly values |
| Equitrust MarketPower Bonus |
100% of daily averaged gain up to
8% cap |
| Equitrust Market Value Index |
100% of monthly averaged gain up to
9% cap |
| Equitrust Market Seven Index |
100% of daily averaged gain up to
10.00% cap |
| Equitrust Market Booster Index |
100% of daily averaged gain up to
9.00% cap |
| Jackson National ELITE Annual
Reset |
100% participation rate,
maximum interest cap of 5yr - 7%, 7yr - 7.75% 9yr - .8.25%, 12yr
-8.5% |
| LSW Platinum Select |
90% (80% Gold) of average daily
values |
| Midland National Legacy Select
Avg |
85% of daily averaged
annual, 25% index cap
85% - Dow; 55% - Russell 2000 |
| North American Classic Plus
Avg |
70% (S&P 500) of average daily
values; 70%-Dow; 45%-Russell 2000, 55%-S&P 400 |
| North American Classic Avg |
90% (S&P 500) of average daily
values; 95%-Dow; 60%-Russell 2000; 70%-S&P 400 |
| North American Choice II Avg |
95% (S&P 500) of average daily
values; 95%-Dow; 65%-Russell 2000, 80%-S&P 400 |
| North American Choice III Plus
Avg |
100% (S&P 500) of average daily
values; 100%-Dow; 80%-Russell 2000, 100%-S&P 400 |
| North American Heritage Max Avg |
85% of average daily
values; 10% premium bonus |
| North Amer Heritage Bonus Avg |
95% (S&P 500) of average daily
values; 5% premium bonus |
| North American Simple 7 |
70% (S&P 500) of average
daily values, 20% index cap |
| Physicians Vista Index
Solutions |
100% of monthly averaged gain
up to 8% cap (7 yr), 100% of gain up to 8.5% (10 yr), 10% (15 yr) |
| Physicians Vista Index
Elite |
100% of monthly averaged gain
up to 7% cap (5 yr), 100% of gain up to 16% (10 yr) |
| Standard (IN) Equity Master |
100% (65% base) of average
monthly values |
|
|
| Annual Yield Spread |
|
| American Investors Select Edge,
Select Edge Plus, Bonus Select, Perform. Advantage 12, Perform Advantage
15 |
1.5% yield spread deducted from
monthly averaged annual gain |
| Americo FlexPlus |
2% yield spread deducted from 100% of monthly averaged annual gain
or 100% up to 10% cap |
| Americom Spirit 7 |
100% of averaged monthly gain
up to 7.5% cap |
| American Invest Select Edge Plus |
1.5% yield spread deducted from
monthly averaged annual gain |
| AmerUs MultiChoice 10, Bonus
Plus |
1.5% annual yield spread deducted from average
monthly values, 11% cap |
| ING Selectra Multi-Strategy |
100% of monthly averaged gain
less 1.45% spread |
| Jefferson-Pilot
Opti Choice 5, 7, 9 |
1.95% (5), 1.85% (7), 1.75% (9)
yield spread deducted from average monthly gain |
| RBC Index Master Dow |
0% yield spread deducted from
monthly averaged annual gain up to 10% cap |
| RBC Index Master S&P 500 |
0% yield spread deducted from
monthly averaged annual (6.5%-Spectrum 7) gain up to 10% cap |
| Midland National Direct Bonus |
0.3% yield spread deducted from
daily averaged annual gain, 5% premium bonus |
| Midland National Direct 10 |
0% (S&P 500) yield spread
deducted from daily averaged annual gain |
| Midland National Direct 16 |
0% (S&P 500) yield spread
deducted from daily averaged annual gain |
| Midland National Legacy Bonus Five |
0.3% (S&P 500) yield spread
deducted from daily averaged annual gain |
| Midland National Legacy Bonus 11 |
1.95% (S&P 500) yield
spread deducted from daily averaged annual gain |
| Midland National Veridian Avg |
1.00% (S&P 500) yield
spread deducted from daily averaged annual gain |
| Midland National Veridian Plus
Avg |
2.35% (S&P 500) yield
spread deducted from daily averaged annual gain |
| National Western Confidence |
1.90% (0%-II) yield spread
deducted from monthly averaged annual gain |
| National Western Ultra Future,
Benefit |
0% yield spread
deducted from monthly averaged annual gain |
| Old Mutual Index
Rewards |
100% of gain, 9.75% cap monthly averaged values |
| Old Mutual Index
Rewards 5 |
100% of gain, 9% cap monthly averaged values |
| Old Mutual
Rewards Choice 7 |
100% of gain, 8% cap monthly averaged
values |
| Oxford Life Affluence, II, IV |
1.5% (1.7%-II, 1.9%-IV) yield spread
deducted from monthly averaged annual gain, 10% index Cap |
| Standard (IN) Equity Master Plus |
2% yield spread deducted from
monthly averaged annual gain, 12.5% cap |
| Standard (IN) Eq Master Inc
Plus |
2% yield spread deducted from
monthly averaged annual gain, 12.5% cap |
| Standard (IN) 5 Star |
0% yield spread deducted from
monthly averaged annual gain, 7.25% cap |
| Standard (IN) Equity Advantage |
2% yield spread deducted from
monthly averaged annual gain, 4% premium bonus, 12.5% cap |
|
|
| Biennial Yield Spread |
|
| American General HorizonIndex |
100% of biennial gain up to 13.5% cap |
| American Investors Liberty
Select, Select Edge Plus, Premier Edge |
100% of biennial gain up to 15% cap |
| American Investors Bonus Select,,
Bonus Select 9. Perform Advantage 12 and 15 |
100% of biennial gain up to 15% cap |
| AmerUs MultiChoice |
100% of biennial gain up to 15% cap |
| Americo FlexPlus |
100% of monthly average annual
gain up to 8% or 45% of annual point-to-point gain less a 2% spread |
| Americo FlexPlus VII |
100% of monthly average annual
gain up to 10% or 55% of annual point-to-point gain less a 2% spread |
| Americo FlexPlus X |
100% of monthly average annual
gain up to 9% or 50% of annual point-to-point gain less a 2% spread |
| Americo Great Index SPDA |
1.5% yield spread deducted from
80% of biennial gain less .99% administration fee |
| Americo EquiFlex |
2% yield spread deducted from 70%
of biennial gain |
| Jefferson Pilot New Directions |
100% of biennial gain up to 15.25% cap (I-66);
15.50% cap (I-88) |
| Jefferson Pilot Smart Course |
100% of biennial gain up to 15.25%
(15.25% - 10 yr) cap |
| Jefferson Pilot Opti 8,10,12 |
100% of biennial gain up to 13.5% cap |
| Jefferson Pilot Eclipse 8,10 |
100% of biennial gain up to 13% cap
(8 yr); 13% cap (10 yr) |
|
|
| Monthly Cap on Gain/Not Loss |
|
| Allianz MasterDex |
2.6% (2.4%-5%, 3.0%-10%) monthly
cap on gain, not loss, annual sum |
| Allianz InCommandDex |
3.6% monthly cap on gain, not
loss, annual sum |
| Allianz PremierDex |
4.0% (3.8%-5% monthly
cap on gain, not loss, annual sum |
| American Equity Future, Premier
Gold |
3% monthly cap on gain, not loss,
annual sum |
| American Equity Rewards Gold |
3% monthly cap on gain, not loss,
annual sum |
| American Investors Perf Adv 12 or
15 |
2.8% monthly cap on gain, not loss,
annual sum |
| AGL HorizonIndex |
2.5% monthly caps on ups, no limit on downs,
annual sum |
| Jefferson-Pilot Eclipse |
3.3% (3.3%-10) monthly caps
on ups, no limit on downs, biennial sum |
| Jefferson-Pilot OptiPoint |
3.3%, 10 & 12 yr monthly cap on gain, not loss, biennial sum |
| Jefferson-Pilot
Opti Choice 5, 7, 9 |
2.25% (5), 2.35% (7), 2.45% (9) monthly cap on annual gain, not loss |
| Jefferson-Pilot OptiPro 13 |
3.3% monthly cap on gain, not
loss, biennial sum |
| National Western Liberty Series |
1yr - 2.25% monthly cap
on gain, not loss |
| North American Classic |
2.00% monthly cap on gain, not
loss, biennial sum |
| North American Classic Plus |
2.15% monthly cap on gain, not
loss, biennial sum |
| Old Mutual Spectrum Rewards
Escalator |
3.1%-6, 3.25%-8, 3.3%-10yr,
3.35%-12 monthly cap on gain, not loss |
| Old Mutual Spectrum Choice Bonus |
3.05% (3.85%-2, 4.35%-3) monthly
caps on ups, no limit on downs |
| Old Mutual Spectrum Rewards Bonus |
2.9% (3.40%-2, 4.05%-3) monthly
caps on ups, no limit on downs |
| Old Mutual Spectrum Rewards
Reserve |
3% (3.25%-2, 3.30%-3) monthly
caps on ups, no limit on downs |
|
|
| Other |
|
| Jefferson Pilot New Directions |
5.9% (5.9% - I-88) credited
if index doesn't fall, compounded |
| Jefferson Pilot Smart Course |
5.9%% (5.9% - 10 yr) credited if index doesn't fall, compounded |
| Jefferson Pilot Eclipse 8,10 |
4.9%, 4.9% credited
if index doesn't fall, compounded |
| Jefferson Pilot Opti 8,10,12 |
5.4% credited
if index doesn't fall, compounded |
| Jefferson Pilot Opti
Choice 5,7,9 |
100% of biennial gain up to
6% cap (5); 6.75% cap (7); 7.0% (9) |
| Sun Life SunDex |
100% of triennial gain up to
6yr-18%, 9yr-21%, then 25% of additional gain |
| Western United Horizon II |
70% of account receives annual
gain w/ 10% cap, 30% credited at 5.15% fixed rate |
| Allstate Treasury-Linked
Annuity |
2.80% (3% - $100,000
plus) |
