|
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| Company & Product |
Americo
FlexPlus VII |
Americo
FlexPlus X |
Americo
Flex Plus |
| Crediting Method |
Annual Reset,
yield spread deducted from average monthly positive gains or cap
with no spread |
Annual Reset,
yield spread deducted from average monthly positive gains or cap
with no spread |
Annual Reset,
Compounds monthly positive gains or annual gains after applying
participation rate, then deducting spread; cap may apply |
| Surrender Charges |
7 Yrs - 9%,9%,8%,7%,
6%,5%,4%
|
10 Yrs - 10%,
Declining |
14 Yrs -15%,
Decreasing |
| Minimum Premium |
$5,000
($2,000-Qualified) |
$5,000
($2,000-Qualified) |
$5,000
($2,000-Qualified) |
| Minimum Guarantee |
1.5% on 75% of
initial premium |
3% on 75% of
premium |
3% on 75% of
initial premium |
| Indices |
S&P 500
Fixed Account |
S&P 500
Fixed Account |
S&P 500
Lehman U.S. Treas Bond
Fixed Account
|
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| Company & Product |
Conseco
Liberty
|
Conseco
Conseco 7 |
Conseco
FPDA-500 |
| Crediting Method |
Annual Reset,
compounds average monthly positive gains. |
Annual Reset,
compounds average monthly or annual pt-to-pt positive gains. 7%
premium bonus |
Annual Reset,
compounds average monthly positive gains. |
| Surrender Charges |
12 Yrs - 15%
declining |
15 Yrs -22%,declining |
15 Yrs - 20%,
Decreasing |
| Minimum Premium |
$5,000 ($50/monthly
TSA) |
$5,000
($2,000-Qualified) |
$5,000 ($50/monthly
TSA) |
| Minimum Guarantee |
Varies on 87.5%
of premium |
3% on 75% of
premium |
3% on 75% of
initial premium |
| Indices |
S&P 500
S&P MidCap 400
Russell 2000
Fixed Account |
S&P 500
S&P MidCap 400
Russell 2000
Fixed Account |
S&P 500 |
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| Company & Product |
EquiTrust
MarketPower Bonus Index
|
EquiTrust
MarketValue Index
|
EquiTrust
MarketSeven Index
|
| Crediting Method |
Annual Reset,
positive gain credited to annual point-to-point or average daily positive gains.
10% premium bonus. Also available a 24 monthly gain gain-not loss method. |
Annual Reset,
positive gain credited to annual point-to-point or average monthly positive gains.
Also available a 24 monthly gain gain-not loss method. |
Annual Reset,
positive gain credited to annual point-to-point or average daily positive gains.
Also available a 24 monthly gain gain-not loss method. |
| Surrender Charges |
14 Yrs - 20%,
Decreasing |
10 Yrs -12%,
Decreasing |
7 Yrs - 12%,12%,12%,10%,8%,6%,4% |
| Minimum Premium |
$5,000
($2,000-Qualified) |
$5,000
($2,000-Qualified) |
$5,000 ($2,000-Qualified) |
| Minimum Guarantee |
Varies on 87.5%
of premium |
1%-3% on 87.5% of
premium |
1%-3% on 87.5% of
initial premium |
| Indices |
S&P 500
Fixed Account |
S&P 500
Fixed Account |
S&P 500
Fixed Account |
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| Company & Product |
Fidelity
& Guaranty
Index Rewards 5 |
Fidelity
& Guaranty
Index Rewards |
Fidelity &
Guaranty
Loyalty Rewards |
| Crediting Method |
Annual Reset,
positive gain credited to annual point-to-point or average monthly positive gains.
Minimum cap is 5%. |
Annual Reset,
positive gain credited to annual point-to-point or average monthly positive gains.
Minimum cap is 5%. |
Annual Reset,
positive gain credited to annual point-to-point or average monthly positive gains.
1% premium bonus credited each year (up to 12%) |
| Surrender Charges |
5 Yrs -
9%,8%,7%,6%,5% |
10 Yrs -
10%,10%,10%,10%,10%, 8%,6%,4%,2%,1% |
12 Yrs -
15%,15%,15%,15%,15%, 14%,12%,10%,8%,6%,4%,2% |
| Minimum Premium |
$5,000 |
$5,000 |
$5,000 |
| Minimum Guarantee |
1.5% on 100% of
premium |
1.5% on 100% of
premium |
3% on 80% of
premium |
| Indices |
S&P 500
Dow Jones Industrial Average
Fixed Account |
S&P 500
Dow Jones Industrial Average
Fixed Account |
S&P 500
Dow Jones Industrial Average
Fixed Account |
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| Company & Product |
Fidelity &
Guaranty
Spectrum Rewards Choice 7 |
Fidelity &
Guaranty
Spectrum Rewards Choice 9 |
Fidelity &
Guaranty
Spectrum Rewards Bonus |
| Crediting Method |
Annual Reset,
positive gain credited to annual point-to-point or average monthly positive
gains or sum of capped monthly gains plus uncapped monthly loss. |
Sum of capped monthly gains plus uncapped monthly loss.
1% minimum cap |
Sum of capped monthly gains plus uncapped monthly loss.
1% minimum cap. 6% premium bonus |
| Surrender Charges |
7 Yrs - 12%,11%,10%,8%,
6%,4%,3%,2%,1% |
12 Yrs - 12%,11%,10%,9%,8%,7%
6%, 4%,2% |
14 Yrs -18%,
Declining |
| Minimum Premium |
$25,000 |
$25,000 |
$5,000 |
| Minimum Guarantee |
Varies |
Varies |
1.5% on 100% of
premium |
| Indices |
S&P 500
Fixed Account |
S&P 500
Fixed Account |
S&P 500
Fixed Account |
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|
