WASHINGTON EQUITY INDEX ANNUITIES

Transcription

1 WASHINGTON EQUITY INDEX ANNUITIES 100% Participation; 0 Fee S&P Mo Pt to Pt 2.8% CAP American Freedom S&P 500 Annual Pt to Pt WA Specific 8 Years % 0-75 Equity Gold 6.5% CAP 3.0% Version 10% per year 9, 8, 7, 6, 5, % Best A- EIA S&P 500 Monthly Average on Not available (2nd yr) 3, 1.5% 0-80 Q 3.50% (INDEX-30) 9% CAP 90% in OR Q Min. $5k S&P 500 Annual Pt to Pt of 7.00% 0-75 / Q With Participation Rate 55% prem. 3.50% Fixed 3.6% Bond Strategy 5% 10 Years AmerUs Multi Choice Guaranteed One-Year GOS WA specific 10% 9,8,7,6.5,5.5, 80 Q 7.50% 0-80 Life Annuity 10 Strategy (GOS) 3% version only 4.5,3.5,2.5,1.5,1% %, annually declared Nursing Best A $5k rate. Min. rate 3.00% AES Home Rider S&P A+ & 2k Q 2% on Issue Age 0-75 only $1,000,000 Annual Equity Indexed 100% Death Benefit max. Strategy (AES) Prem. Accum Value No Commission chargeback at death S&P 500 Index Annual reset, monthly avg. 100% Participation NO CAP 1st Year Asset Fee.69% Checkbook Access Option A: S&P 500 Fidelity & Index Annual reset, monthly avg. Not in: Guaranty Rewards % cap 1.5% on MA, ME, MN, MT 10% of prior 5 year % 0-79 Life (SPDA) Option B: S&P % ND, NV, NY, OK anniversary Surrender 2.00% (F&G Life) annual reset, point to point, OR, TX, UT account value Short 8.5% cap after 1st year 9, 8, 7, 6, 5 Best A 5-year Option C: DJIA non-cumulative S&P A- Surrender Annual reset, monthly avg. Or waived at Charge 11.5% cap Minimum death, Option D: DJIA Required nursing home, annual reset, point to point, Distribution terminal illness 8.5% cap (by current Option E: company Fixed Account 3.75% practice) Can change allocations annually at anniversary 1

2 Great American $10,000 min. GMSV = Oregon 10% 7 Years % 0-75 American Legend $750,000 max (18-80) 3.00% on Specific of purchase payment 9,8,7,6,5,4,3 Q 5.10% Life $500,000 max (81-85) 90% of Version during first contract Greater of 3.50% Single & Q purchase year, and 10% of the Full Account 0-85 AM Best A Purchase payment Account Value as of Value or GMSV Payment Declared Rate Strategy: the prior Contract at death Annually declared int. rate Anniversary available Medicaid Current rate is 3.00% after the first Friendly contract year. Can annuitize Indexed Strategy: any time for a Point-to-Point, Annual Reset Withdrawals will be min. of 7 yrs. Cap 7.25% taken from funds in the No upfront sales charges or Declared Rate Strategy fees, 100% participation first. (Min. withdrawal: $500. Min Acccount Value after withdrawal $5,000) Commission charge back at death 50% in 1st 6 months Great American $10,000 min. GMSV = Oregon 10% 10 Years % 0-75 American Icon $750,000 max (18-80) 3.00% on Specific of purchase payment 10,9,8,7,6,5,4,3,2,1 Q 7.65% Life $500,000 max (81-85) 90% of Version during first contract Greater of 4.40% Single & Q purchase year, and 10% of the Full Account 0-85 AM Best A Purchase payment Account Value as of Value or GMSV Commission charge Payment Declared Rate Strategy: the prior Contract at death back at death Annually declared int. rate Anniversary available 50% in 1st 6 months Medicaid Current rate is 3.00% after the first Friendly contract year. Can annuitize Indexed Strategy: any time for a Point-to-Point, Annual Reset Withdrawals will be min. of 7 yrs. Cap 7.25% taken from funds in the No upfront sales charges or Declared Rate Strategy fees, 100% participation first. (Min. withdrawal: $500. Min Acccount Value after withdrawal $5,000) 100% Participation; 0 Fee Great American S&P 500 Annual Pt to Pt 3.00% WA Specific 10% per year 10 Years % 0-75 American Icon 7.25% CAP on Version after 1st year 10,9,8,7,6,5,4,3,2,1 Q 7.65% Life S&P Mo Ave 10.5% CAP 90% interest avail 4.40% Best A Min. S&P Mo Ave with no Cap Prem. immediately on Medicaid 0-85 $10k Q.75% Index Fee fixed account friendly $10K Fixed Acct. 3.25% Medicaid Friendly 2

3 Great American Declared Rate Strategy: GMSV = WA Specific 10% of the % 0-75 American Icon II Annually Declared Interest 3.00% Version account value 10 Years Q 7.30% Life Rate 3.25% on as of the 4.05% Best A Min. Annual Point-to-Point 100% prior contract Issue ages $10k Q Cap 7.00% of anniversary 12,11,10,9,8,7, $10K Monthly Averaging (w/cap) purch. available 6,5,4,3 Flexible Cap 10.50% pymts. after the first purchase 1.50% Prem. Monthly Averaging with contract year. Issue ages 58+ payments Bonus Index Factor (no Cap) 10,9,8,7,6,5,4, Index Factor 1.25% 3,2,1 Great American Declared Rate Strategy: GMSV = WA Specific 10% of the 10 Years % 0-75 American Valor II Annually Declared Interest 3.00% Version account value Q 5.35% Life Rate 3.15% on as of the 3.60% Best A 7.50% Purch 100% prior contract 0-85 Payment Daily Averaging (no/cap) of anniversary Issue ages 0-57 Min. Bonus 80% Participation Rates purch. available 12,11,10,9,8,7, $10k Q Thru ages 69 pymts. after the first 6,5,4,3,2,1 $10K Monthly Averaging with contract year. 5.00% Purch Index Factor (no Cap) Issue ages 58+ Flexible Payment Index Factor 1.25% 10,9,8,7,6,5,4, purchase Bonus 3,2,1 payments Ages Great American Declared Rate Strategy: GMSV = WA Specific 10% of the 7 Years % 0-75 American Legend II Annually Declared Interest 3.00% Version account value Q 5.10% Life Rate 4.00% on as of the 3.50% Best A Min. Annual Point-to-Point 100% prior contract Issue ages $2k Q Cap 7.25% of anniversary 12,11,10,9,8,7,6 $5K Monthly Averaging (w/cap) purch. available Cap 10.50% pymts. after the first Flexible Flexible Monthly Averaging with contract year. Issue ages 58+ purchase purchase Index Factor (no Cap) 9,8,7,6,5,4,3 payments payments Index Factor 0.75% S&P yr. pt-pt ING/USA Secure Annual Reset 3% 10% In WA 56+ Index 100% Participation on Only in after 1st year 7 Years Best A+ EIA No Fees 100% WA, MN Systematic 9,8,7,6,5,4, % 0-75 Min. $ % CAP Prem interest avail 3.75% $5k Q& $100, % CAP for fixed account Fixed 1 yr.: 3.75% 3

4 Fixed Rate Strategy: 5 Years ING/USA Secure 3.65% 1.50% Not Available in: 10% 8, 7.5, 6.5, 5.5, Index on of accumulation and 4.5% Best A+ Five Annuity Pt-to-Pt Participation Strategy: 100% DE, MA, MN, NY, value per Nursing Home % 0-80 Min. Low Band Part. - 45% Prem, NJ, OR, PA, UT, contract year waiver: The greater Year 1 $15k Q& High Band Part. - 50% less VT available after of the index value if the Q & $50 min. prem. the first year. annuitant is confined to addt'l. prem. Pt-to-Pt Cap Index Strategy: taxes, a nursing home or hosp Low Band Cap - 6.5% withdrwls Withdrawals are for at least 30 High Band Cap % and not credited with consecutive days surrender indexed interest after the contract Monthly Averaging Index charges effective date. No Strategy: surrender charge is Low Band Spread - 1.2% applied. High Band Spread % Full Account Value at Death Fixed Rate Strategy: 7 Years ING/USA Secure 3.95% 3.00% 10% 12, 11, 10, 9, 8, Index on Not Available in: of accumulation and 7% Best A+ Seven Annuity Pt-to-Pt Participation Strategy: 100% value per Nursing Home % 0-80 Low Band: Low Band Part. - 45% Prem, MA, MN, NJ, contract year waiver: The greater Year 1 $15k - $74,999 High Band Part. -50% less NY, OR, UT, VT available after of the index value if the Q & prem. VT the first year. annuitant is confined to High Band: Pt-to-Pt Cap Index Strategy: taxes, a nursing home or hosp $75,000 + Low Band Cap % withdrwls Withdrawals are for at least 30 High Band Cap % and not credited with consecutive days Min. surrender indexed interest after the contract $15k Q& Monthly Averaging Index charges effective date. No $50 min. Strategy: Interest only surrender charge is addt'l. prem. Low Band Spread % available from the applied. High Band Spread -.65% Fixed Rate Strategy Full Account Value at Death 4

5 FIXED ANNUITIES American SPDA-2 1st Yr % 8 Years and Q Equity 2002 Incl 3% 1st Year Bonus 3% Approved in 10% per year 10, 9, 8, 7, 6, % 0-75 Best A- Min. $5k bonus interest UT, WA ONLY (2nd yr) 4.5, 3, 1.5% 4.12% / Q Base Rate 3.75% Interest Available Immediately American 9 Years Equity FPDA st yr yield % WA Version 10% per year 8.50% 0-53 Best A- Incl 2% Premium Bonus 3% (2nd yr) Issue ages % on initial premium only Interest available 9, 8, 7, 6, 5, 4, 3.64% immediately 3, 2, 1, Min. $2k Q 3.75% Base Rate Q Min. $5k 8.5% % American FPDA 1 1st yr % 3% Approved only in 10% per year 10 Years % 0-75 Equity Base Rate 3.75% OR (2nd yr) 9, 8.25, 5.25% Best A- Min. $2k Q Interest available 7.25, 6.25, 5.5 Q Min. $5k immediately 4.5, 3.75, 7.00% , 1.75, % Avail only in 3.70% % with 2% Bonus 2.3% with 4% Bonus 1.6% with 6% Bonus.7% with 8% Bonus American Bench Current Rate 4.1% 3-3.5% WA, CT, OR, MN 10% per year 10 Years National Mark Base Rate 4.1% dep (2nd yr.) (Varies with age 99 Best A+ 10 Bonus: on Can annuitize and bonus) 2%, 4%, 6%, 8% bonus after 1 year Min. $10k Q & If over 86, 25% paid as trailer 5

6 Not in American Palladium $5000 min. NAIC UT, NY 10% available 8,8,8,7,6,5,4,3,2, year National MYG $1,000,000 max Index after the 1st (Surrender 2.00% 0-79 Best A+ 1st Year Base contract year schedule is the 1.00% 80+ Single Prem. 3 yr 3.45% 3.45% same length of 5-year Min. $5k 4 yr 4.15% 4.15% Intestes only rate guarantee 4.00% 0-79 Q & 5 yr 4.95% 3.95% available with a 30-day 2.00% yr 4.5% 4.5% immediately window) 6-year Initial prem. 7 yr 5.2% 4.2% 2.50% 0-79 over $100k 8 yr 4.5% 4.5% Nursing Home 0.50% 80+ will earn an 9 yr 5.95% 3.95% waiver: confinement 7-year add..10% 10 yr 5.15% 4.15% needs to begin after 2.50% days and must 0.50% 80+ WA specific be confined for 8-year rates - 60 days 2.50% 0-79 OR rates.25% 0.50% 80+ lower. Full Value at Death 9-year 3.00% 0-79 Commission 1.00% 80+ charge-back at death in the 1st yr 10-year 4.00% % 80+ American WealthQuest $5000 min. NAIC Not in NY 10% of annuity 7,7,7,6, % 0-80 National Citadel Five $1,000,000 max Index value as of the Confinement 3.00% Best A+ Diamond & Q beginning of each waiver: issue Series policy year, ages Commission 1st Year Rate 4.6% beginning in Available if charge-back at death Single Base rate is 3.6% year one confined after 3 in the first year, Premium months for a ages 80+ Systematic minimum of 60 Add. Prem. withdrawals days. is accepted Policies over $100k+ available immed. in first year receive an additional includes monthly Terminal Illness 10 basis pts for life interest option. rider. Full value of contract. at Death Principal Guarantee Can annuitize after year 1 for min. of 10 years. 6

7 American WealthQuest $ $2000 Q NAIC Not in NY 10% of annuity 7,7,7,6,5,4, % 0-80 National Citadel Seven $1,000,000 max Index value as of the Confinement 3.50% Best A+ Diamond beginning of each waiver: issue Series policy year, ages st Year Rate 5.75% beginning in Available if Flexible Base rate is 3.75% year one confined after 3 Premium months for a Systematic minimum of 60 Add. Prem. withdrawals days. added in yrs Policies over $100k+ available immed. 1-3 receive receive an additional includes monthly Terminal Illness the 2% add. 10 basis pts for life interest option. rider. Full value interest of contract. at Death Principal Guarantee Can annuitize after year 1 for min. of Commission charge-back at death in the first year, ages 80+ BMA/RBC Value 1st yr rate 5.5% 3% Approved for all 10% 10 Years % 0-75 Master Base Rate 3.5% except: after 6 months 10,9,8,7,6,5, 6.50% Best A Single Prem NY, NJ, HI Interest available 4,3,2,1% 5.50% S&P A $5k Q& immediately Based on nearest B-day BMA/RBC Master 1st yr rate 4.5% Approved for all 10% 1-5 Yrs: 6.25% 0-69 Builder 3% except: after first yr. 10,9,8,7,6% % Best A NY, NJ, HI, MD, Interest available Can surrender Single Prem OR, PA, UT immediately penalty S&P A Min. free for 30 days at Based on nearest B-day $5k Q& the end of yr. 5) 6-10 Yrs: 5, 4, 3, 2, 1% American 10% Great Freedom Current Rate 4.9% Available in after 1st Year 10 Years % 0-80 American 10-ST Base Rate 3.4% 3.00% WA and OR 9, 9, 8, 7, 6, 5, 80-Q 5.60% inc. 1.5% first year bonus 4, 3, 2, 1% Q Best A $10k Q& Interest avail 8.00% Medicaid Friendly at issue Full account value 5.60% at death Great American Current Rate 8.2% 3.00% WA Version 9 Years (age 60+) % 0-75 American Freedom (incl. 5% bonus 1st yr) 10% after 1st yr. 8.5,8,7,6,5,4,3,2, Q 4.00% Classic 10 Base Rate 3.2% Systematic Ages 0-75 DB AV Q Best A Interest available 6.25% $10K Min immediately 4.00%

8 Five Year Term 3.00% Great American 5.0% 1st year rate All except: 10% 5 Years 0-90 American Stars & Prem for $100K Plus 5.1% <$100K IN, MA, MO, NC, after 1st Year 7, 6, 5, 4, 3* Q 3.00% 0-84 Stripes (includes a 1% first year yield NJ, OR, PA, UT, 2.10% rate bonus) 4.40% VA, WV. Q Best A $10k min 0.10% added to base >$100K Interest avail 3.00% interest rate in years % after 30 days 2.10% Based on surrender 5 yr % 5 yr..3.85% Interest 6 yr % ING/USA Multiset 6 yr 4.0% 3% WA Specific after 9, 8, 7, 6, 5, 4, 90 7 yr % Plus 7yr..4.85%, yr % WA Version 30 days 3, 2, 1% 8 yr % Best A+ 8yr..5.55%, yr % 10% yr 2 9 yr % Min. 9yr..4.9%, yr % OR add 25bps 10 yr % $5k Q& 10 yr.4.65%, yr 2-10 yr.3.65% to rates Reduced in 1/2 ages % includes 2% 10% beginning 7 Years st Year Premium 1st Year contract year 6, 6, 6, 5, 4, 3, 2% 4.50% 0-80 Principal FPDA Plus Premium Bonus Not in AV Death, RMD, Based on 3.00% Financial Base Rate 3.45% 3% MA Nursing Home, contract issue date 1.25% Group $5,000 Terminal Illness For deposits over Disability, ***Return Years 2-5 Best A+ $100,000 there is 5 Year of principal 3.50% 0-80 a 3% prem bonus except Annuitization guarantee less 2.25% for WA withdrawals 1.00% SINGLE PREMIUM LIFE Amerus Single Prem NA Simpl Wa Version Policy loans Guaranteed to stay % Life Life Issued after 1st year in force for life 9.00% Best A- and withdrawals after 5 years Indexed Life Up to 110% Issued Participation Std thru table 4 8

9 Aviva Keepsake 4.45% 4.50% All but NY Up to $5, % premium 85 9% (formerly CGU) 201 monthly refund Best A 10% per year available any time Not in Lincoln Money Current Rate: 4.5% 4.50% NJ and NY 10% 100% premium 80 8% Financial Guard refund Best A+ Long-term $15k Min. available care rider any time. 9