(800) Dallas Financial Wholesalers Top Picks August

Size: px
Start display at page:

Download "(800) Dallas Financial Wholesalers Top Picks August"

Transcription

1 Genworth AM Best A Assets $24.2 Billion Jackson National AM Best A+ Assets $164 Billion Athene Sagicor Forethought EquiTrust EquiTrust Assets $11.8 Billion Assets $1.2 Billion Secure Living AscenderPlus Enhanced ForeCare LibertyMark 7 Sage Advantage Builder Market 10 Index 7 Select Choice 8 LTC Annuity Term Length 7 Years 7 Years 7 Years 8 Years 9 Years 9 Years 9 Years 10 Years AL IN MD MN MS NH NJ NY OR VT WA WY All ST Except DE NY Lower Caps in AK MN MO OR PA WA S&P Trigger 3X CapMax Leverage NY AK CT DE HI MN NJ NY OK OR PA UT Income Rider not in WA Dow Quarterly Cap Dow Monthly Avg AK CT ME MT NH NY SD VT CT NY Fixed Rate Bucket 3.50% CT DE MN NV OR TX UT WA AK CT DE MN NV NY OR TX UT WA RESET DESIGN ANNUAL + BIENNIEL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL + BIENNIEL ANNUAL + BIENNIEL SIZZLE VERY HIGH CAPS 3X CAPMAX ISSUED THRU 88 2% CASH 50% LIQUIDITY LTC ANNUITY ROP ANYTIME ROP ANYTIME Death Benefit Owner Annuitant Owner Owner Owner Owner Owner Owner Issue Age 0 to 85 0 to In OK 0 to in NV Days to to 80 0 to 80 0 to 80 No Immediate No Immediate Immediate No Immediate Immediate Income Rider Fee 1.00% 0.95% on Income Value No Income Rider 1.25% on Income Value No Income Rider Issue Age Based 0.75% on Acct Value 0.75% on Acct Value 9,8.5,8,7,6,5,4 9,9,8,7,6,5,4 +/- MVA 10,9.5,8.5,7.5,6.5,5.5,4.5 10,9,8,7,6,5,4,2 +/- MVA 8,8,8,8,7,6,5,3,1 8,8,7,6,5,4,3,2,1 +/- MVA $25,000 $5,000 $2,000 $35,000 $40,000 in CA 9,8,7,6.5,5.5,4.5, 3.5,2.5,1.5 +/- MVA 10,10,10,10,10, $30,000 $30,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $200,000 $400,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Flexible Premium Flexible Premium BIG MONEY PARTICIPATION RATES & CAPS 65% S&P 2-Yr Par 6.00% S&P Pt to Pt 5.75% Gold Pt to Pt 75% Real Estate Par 6.75% S&P Inversion 8% INCOME 8% Rollup 10 Yrs 107% Min Guarantee Caps 25K to 99K 3.35% S&P Trigger 1.60% S&P Mo Cap 4.30% S&P Pt to Pt 3.60% Bailout Rate Caps 100K to 249K 3.85% S&P Trigger 1.80% S&P Mo Cap 4.80% S&P Pt to Pt 4.10% Bailout Rate Higher Caps 250K Plus Caps Under 100K 1.30% S&P Mo Cap 3.75% S&P Mo Avg 3.50% S&P Pt to Pt Caps Over 100K 1.45% S&P Mo Cap 5.00% S&P Mo Avg 4.50% S&P Pt to Pt Comm 50 bpt less 0-80 AK DE FL IL MN NJ NV OH OK OR PA TX UT 2% PREMIUM Addt 1% on Income Value 6% Rollup 10 Yrs 4.50% S&P Pt to Pt 1.65% S&P Mo Cap 1.10% Dow Qtr Cap 4.50% Dow Mo Avg Comm 75 bpt less CA WA S&P not available IL LA VT 5% PREMIUM Cumulative to 50% HUGE Guarantee 2% on 105% of Deposit 4.00% Ann Pt to Pt CAP Years 2-9 may be HIGHER than 4% Minimum CAP is 4% 7.10% Fixed 1st Year TAX FREE WITHDRAWAL OF GAINS TRIPLE Annuity Value for LTC LTC charges never invade Principal NO Waiting Period Rate under 200K 3.00% 1st Year Min Premium WI 70K Min Premium VT 85K Min Premium OR 60K 1st YR GUARANTEE 5X5 in TX 1X10 Annuitization BIG 1.60% Monthly Cap 3.50% Ann Pt to Pt 1st 5Yrs GUARANTEE 5x5 Annuitization BIG 1.60% Monthly Cap 3.50% Ann Pt to Pt COMMISSION 7.00% 4.50% 4.00% 5.50% 4.50% 6.00% 6.00% 6.00% % % % % % % % 3.00% Yrs 2-5 Page 1 of 5

2 Company Phoenix Phoenix Phoenix Forethought Forethought Forethought Forethought Forethought LITE Personal Personal Personal ForeFront Income 150+ Index 115 Income Retirement Choice Income Annuity Protection Choice Index Advantage Term Length 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years AK DE IN KY MD MN MO MS MT NC NH NJ NV OK OH OR TX UT VA WA ME NY AK ME NY OR WA NJ NY NY CT NY NY NY S&P Pt to Pt CAP S&P Pt to Pt PAR Dow Annual Pt to Pt Dow Annual Pt to Pt No LTC in CA CT IL PA Barclay Bucket RESET DESIGN ANNUAL ANNUAL ANNUAL ANNUAL + 3 YEAR ANNUAL ANNUAL ANNUAL ANNUAL SIZZLE 8% CASH 45% 45% 50% 7% CASH 8% PAYOUT 8% COMMISSION 25% Death Benefit Owner Owner Owner Owner Owner Owner Owner Owner Issue Age 0 to 80 0 to 85 0 to to to to 80 0 to 85 0 to Yr Vesting 3-Yr Vesting 3-Yr Vesting 4-Yr Vesting 10-Yr Vesting 10-Yr Vesting Immediate Immediate Income Rider Fee 0.85% on Income Value 0.95% on Income Value 1.15% on Income Value 0.95% on Income Value 0.95% on Income Value 0.95% on Income Value 0.95% on Income Value 0.55% on Income Value 10,9,8,7,6,5,4,3,2,1 +/- MVA 12,12,12,11,10, 12,12,12,11,10, 10,10,9,9,8,7,6,5,4,2 +/- MVA 10,10,9,9,8,7,6,5,4,2 +/- MVA 10,10,9,9,8,7,6,5,4,2 +/- MVA 12,12,11,10,9,8,7,6,4,2 +/- MVA 12,12,11,10,9,8,7,6,4,2 +/- MVA $15,000 $15,000 $15,000 $10,000 $10,000 $10,000 $10,000 $10,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium 7% Withdrawals Including 1st Year 8% Rollup 12 Yrs Reset for 24 Yrs Terminal Illness & 3.25% Pt to Pt CAP 30% Pt to Pt PAR Higher than Non Lite Version INCOME TODAY 45% YR % YEAR 2 30% YEAR 1 INCOME TOMORROW 14% Rollup Yrs % Rollup Yrs % S&P Pt to Pt 1.35% S&P Mo Cap 2.75% Dow Pt to Pt not in NC TX WY INCOME TODAY 45% YR % Yr 2 30% Yr 1 Death Benefit Rollup PAID IN LUMP SUM INCOME TOMORROW 14% Rollup Yrs % Rollup Yrs Death Benefit Rollup PAID IN LUMP SUM DEATH BENEFIT ROLLUP 10% for 10 Yrs thru 70 5% for 10 Yrs A % S&P Pt to Pt 1.70% S&P Mo Cap 3.75% Dow Pt to Pt 50% INCOME Up to 8.50% COMMISSION 4 Income Boosts 20% Day One 15% Day 1 Yr 3 15% Day 1 Yr 5 150% Interest Year 10 Caps 100K Band 2.25% S&P Mo Cap 4.50% S&P Ann Cap 4.00% Barclay Spread Call for Caps 10K to 99K 7% PREMIUM 5% Rollup 20 Yrs Caps 10K Band 2.25% Monthly Cap 4.50% Monthly Avg 4.50% Ann Pt to Pt Caps 100K Band 2.50% Monthly Cap 5.00% Monthly Avg 5.00% Ann Pt to Pt AK CT DE MD MN NV OH OK OR SC TX UT WA 5% PREMIUM INCOME VALUE PAID AT DEATH 5% Rollup 20 Yrs 8% Income Factor Start Income NOW 2.50% Ann Pt to Pt 0.75% Monthly Cap 2.50% Monthly Avg AK DE MD MN NV OH OK OR SC TX UT WA 15% INCOME 6% Rollup 10 Yrs Monthly Cap 1.75% 10K Band 2.00% 100K Band Annual Pt to Pt 3.50% 10K Band 4.00% 100K Band AK CT DE FL MN NV OH OR SC TX UT WA 25% INCOME 5% Rollup 10 Yrs Monthly Cap 1.75% 10K Band 2.00% 100K Band Annual Pt to Pt 3.50% 10K Band 4.00% 100K Band AK CT DE FL MN NV OH OR SC TX UT WA COMMISSION 7.00% 7.00% 7.00% 7% PLUS 7.00% 7.00% 8.00% 7.00% % % % % % % % % % % Page 2 of 5

3 Sentinel Security Assets $404 Million Oxford F&G Life F&G Life Athene Phoenix Assets $1.1 Billion Assets $11.8 Billion LibertyMark Prosperity LibertyMark 10 Summit Royal Select Performance Pro Benefit Plus Elite 10 Term Length 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 12 Years AL IN MD MN MS NH NJ NY OH OR VT WA WY AL IN MD MN MS NH NJ NY OR VT WA WY CA FL IL NC PA TX UT WA AL CT MS MT NY VT WV AL AZ CT IA IN MN MS NH NY OR PA VA VT WA Real Estate 5-Yr Spread AL CT MN MS MO NY OR WA CA CT H IL NY WA Personal Retirement Choice AK CA CT DE IA IN KY MD ME MN MO MS MT NC NH NJ NV NY OH OK OR PA TX UT VA WA S&P Pt to Pt CAP S&P Pt to Pt PAR RESET DESIGN ANNUAL + BIENNIEL ANNUAL + BIENNIEL ANNUAL ANNUAL ANNUAL + 5 YEAR ANNUAL ANNUAL ANNUAL SIZZLE VERY HIGH CAPS VERY HIGH CAPS 8% CASH 8% CASH STACKING ROLLUP DEATH BENEFIT LIFETIME ROLLUP 15% CASH Death Benefit Owner Owner Owner Owner Owner Owner Owner Owner Issue Age 0 to 80 0 to 85 0 to to NQ Q 0-80 NQ Q 30 to 80 0 to 80 5% Immediate & 10% after 10 Yrs No 10-Yr Vesting 10-Yr Vesting 10-Yr Vesting 10-Yr Vesting 10-Yr Vesting 12-Yr Vesting Income Rider Fee 1.25% 1.25% 1.05% on Income Value 0.75% on Acct Value 0.95% on Income Value 1.10% on Income Value 1.40% on Income Value 0.85% on Income Value 13,13,12.5,11.5,10.5, 9.5,8.5,7.5,6.5,5.5 12,11.5,11,10.5,10,9,8,7,6,5 10,10,10,9,8,7,6,5,4,2 +/- MVA 10,9,8,7,6,5,4,3,2,1 +/- MVA 14,13,12,11,10,8,6,4,2,1 12,11,10,9,8,7,6,5,4,3 9,9,8,7,6,5,4,3,2,1 +/- MVA 15,15,15,14,13,12, 11,10,9,8,6,4 +/- MVA $10,000 $10,000 $10,000 $10,000 $15,000 $1,000,000 $1,000,000 $1,000,000 $350,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Flexible Premium Flexible Premium Single Premium Single Premium DOUBLE 5% Upfront & 10% after 10 Yrs Big Money Caps 60% S&P 2-Yr Par 5.00% S&P Pt to Pt 4.75% Gold Pt to Pt 65% Real Estate Par 5.70% S&P Inversion Comm 50 bpt lower & 8% after 10 Yrs AK CT DE FL NV PA SC TX UT Big Money Caps 80% S&P 2-Yr Par 7.50% S&P Pt to Pt 7.50% Gold Pt to Pt 95% Real Estate Par 8.75% S&P Inversion 0-80 & 1.5% lower AK CT DE FL NV OH PA SC TX UT 5.5% in TX PA UT WA 5% Withdrawals 6% Rollup 20 Yrs Reduce bonus 1% without Income Rider 3.25% Daily Average 3.15% Monthly Avg 2.90% Ann Pt to Pt 6.5% Rollup 10 Yrs 2.80% Ann Pt to Pt 2.80% Monthly Avg 9.40% Fixed 1st Year Comm 75 bpt lower MA MN MO NJ OR PA WA 1st YR 5% A76-80 STACKING ROLLUP 4% Up to 20 Yrs Plus Annual Index Growth Every Year in FL HI IL 2.25% S&P Mo Cap 4.75% S&P Pt to Pt 5.50% Gold Pt to Pt 11.75% 5-Yr Spread AK DE FL MA NV OH OK SC TX UT 7% PREMIUM 3.50% Age Income Value Paid At Death over 5 Yr 7% Rollup 20 Yrs 6.5% in Indiana 4.25% Ann Pt to Pt 2.00% Monthly Cap 5.25% Monthly Avg Comm Lower AK DE NV OH OK SC TX UT 1% Lower % Bpt Income Value 10% Income Yrs 2 thru 6 5% Year 7 7% Rollup Yrs % Rollup Year % Income for LTC 3.65% S&P Pt to Pt 2.05% S&P Mo Cap Caps lower MN MO OR PA UT 1.0% Trail Commission 1st & 2nd Anniversary 15% PREMIUM 7% Withdrawals Including 1st Year 8% Rollup 12 Yrs Reset for 24 Yrs Reduce bonus 3% without Income Rider 3.25% Pt to Pt CAP 30% Pt to Pt PAR 8% & 10 Yr Surr Charge in FL Age 65+ COMMISSION 7.00% 8.00% 7.25% 6.50% 8.00% 7.50% 6.00% 7.00% Florida 6.25% % % % % % % % % Page 3 of 5

4 National Western AM Best A Assets $9.8 Billion F&G Life EquiTrust EquiTrust F&G Life MULTI-YEAR GUARANTEE ANNUITIES Liberty Forethought Manhattan Life Bankers + Assets $310 Million Assets $1 Billion Prosperity Ultra Classic Market 12 Market Power LegendMark SecureFore Preferred Choice Bankers Elite Elite 14 Term Length 13 Years 14 Years 14 Years 14 Years 14 Years 3 or 5 Yrs 3, 5, 6 or 7 Yrs 3, 5, 7 or 9 Yrs AL AK CT DE IL IN MA MN MS NJ NV NY OH OR PA SC TX UT WA *FL 65+ Investor Only AL AK CT DE MA MN MS NV NY OH OK OR SC TX UT WA AK CT DE MN NV NY OH OR TX UT WA *FL 65+ Investor Only CT DE MN NV NY OR TX UT WA *FL 65+ Investor Only AK AL AZ CT DE IN MA MN MS NH NV NY OH OK OR PA SC TX UT VT WA NY AZ CT DE DC NY ND SD AL AK CT DC DE ME MA MN MO NH NJ NY RI VT S&P Annual Trigger 3 Years 1.75% 5 Years 2.10% 3 Years 1.80% 5 Years 3.00% 6 Years 3.15% 7 Years 3.20% 3 Years 1.90% 5 Years 3.00% 7 Years 3.15% 9 Years 3.35% RESET DESIGN ANNUAL ANNUAL ANNUAL + BIENNIEL ANNUAL + BIENNIEL ANNUAL GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS SIZZLE 10% COMMISSION DEATH BENEFIT 12% CASH 10% CASH VERY HIGH CAPS A- RATED CO Only thru DFW Great Rates Death Benefit Annuitant Owner Owner Owner Owner Owner Annuitant Annuitant Issue Age 0 to in FL 0-80 NQ Q 0 to 75 0 to NQ Q 0 to 85 0 to on 3 YR See Below No 14-Yr Vesting 3-Yr Vesting Immediate 14-Yr Vesting No Auto Renewal No Auto Renewal No Auto Renewal Income Rider Fee 0.35% on Acct Value 1.10% on Income Value 0.75% on Acct Value 0.75% on Acct Value 0.70% on Income Value GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS 15,14.75,14,13,12.25, 11.25,10.5,9.75,8.75,8,6,4, ,13.75,12.75,11.75, 10.75,10,9,8,7,6,5,4,3,2 20,20,19,19,18,17,16, 14,12,10,8,6,4,2 +/- MVA 20,20,19,19,18,17,16, 14,12,10,8,6,4,2 +/- MVA 14.75,13.75,12.75,11.75, 10.75,10,9,8,7,6,5,4,3,2 $10,000 $30,000 $20,000 $10,000 $10,000 $500,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 8,8,7,6,5 8,7,6,5,4,3,2 $3,000 3, 5 & 7 $25,000 6 Year 7.9,7.0,6.2,5.3,4.4, 3.5,2.7,1.8,0.9 +/- MVA $10,000 $1,000,000 $500,000 FDPA Or SPDA Flexible Premium Flexible Premium Single Premium Single Premium Flexible Premium Single Premium Single Premium Single Premium Cumulative to 50% 4% Age Income Value Paid At Death over 5 Yr 12% PREMIUM 1st YR 5% A % Withdrawals during term period 4% Rollup Every Yr No Income Rider fee if S&P is Down 5X5 Annuitization 7% Rollup 20 Yrs 6.5% in FL HI IL IN BIG 6% Up Front 2% 1st 2nd 3rd Anniv BIG Paid Upfront 10 Yr Surr in AK IL OH Income Base Greater of 5% for 10 Yrs OR Acct Value Times 5, 10,15,20,25,30,35,40, 45 or 50% first 10 Yrs EXCLUSIVELY THRU DFW Surving spouse may continue annuity Non-spousal benny may defer claim to avoid surr chg 2.50% Monthly Cap 95% Mo Avg Par 0.15% Mo Avg Spread 3.15% Fixed 1st Year FL 4.75% Ann Pt to Pt 2.25% Monthly Cap 5.75% Monthly Avg Max Issue A80 in IN 3.50% Daily Average 1.50% Monthly Cap 3.00% Ann Pt to Pt 1.70% Monthly Cap 3.75% Ann Pt to Pt 10.0% 2-Yr Mo Avg 10-Year Surrender in AK IL OH 4.00% Monthly Cap 9.00% Ann Pt to Pt 6.75% Trigger Rate Performance Fee of 1% applied to Acct Value Annually Issued in FL 0-64 Only COMMISSION 10.00% 8.00% 8.50% 8.50% 8.00% & Terminal Illness s Interest Only on 3 Year Annuity No 15% Withdrawal Max Issue Ages 3 Yr 0 to 90 (80 FL) 5 Yr 0 to 90 (80 FL) 7 Yr 0 to 85 (75 FL) 9 Yr 0 to 80 (70 FL) Full Comm All Ages 5 Year 2.50% 3 Year 1.80% 7 Year 2.40% 6 Year 2.20% 9 Year 2.75% 7 Year 2.50% Reduced 76 NQ & 71Q % % 7.00% in AK IL OH % % % Less 5 Yr 2.00% 3 Yr 1.20% 5 Yr 2.25% 3 Yr 2.00% Page 4 of 5

5 MULTI-YEAR GUARANTEE ANNUITIES Company Delaware Life EquiTrust Guggenheim Oxford Bankers Life Bankers Life Assets $50 Billion Assets $11.1 Billion Assets $1.1 Billion Assets $251 Million Assets $251 Million Sentinel Security Assets $404 Million Western United Life + Assets $872 Million Income Personal Pinnacle Certainty Select Preserve MYGA SPDA Select SPDA 5 Quester II Protector Choice Annuity Term Length 3, 5, 7 or 10 Yrs 3, 5 or 6 Yrs 4, 5, 6 or 8 Yrs 5 Years 5 Years 5 Years 5, 7 or 10 Yrs 6 Years Interest Rate AZ CA NY NY NJ NY AL MS MT NY VT WV 3 Years 2.00% 5 Years 2.80% 7 Years 3.35% 10 Year 3.65% 3 Years 1.75% 5 Years 2.50% 6 Years 2.85% 4 Years 2.35% 5 Years 2.85% 6 Years 3.00% 8 Years 3.20% AZ CA CT DE DC FL IA ME MA MN MT NV NH NJ NY NC ND OR RI SD VT WA WI CA CT IA ME MA MN NH NJ NY NC OR RI VT WI AL AK CT DE DC IN KY LA ME MD MA MI MS MO NH NJ NY OH RI SC TN VT VA WA WV WI 2.65% 3.20% 2.90% 5 Years 3.20% 7 Years 3.45% 10 Year 3.75% AZ HI ID IN MT NE NV ND OK OR SD TX UT WA WY 3.10% GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED 5 YEARS GUARANTEED 5 YEARS GUARANTEED 5 YEARS GUARANTEED ALL YRS BAILOUT YRS 2-6 SIZZLE A- RATED CO A90 Commission Great Features A- RATED CO Great Rate Great Features HIGHEST RATES ROP Guarantee Death Benefit Owner Owner Owner Owner Owner Annuitant Annuitant Annuitant Issue Age 0 to 85 0 to 90 0 to to 80 0 to 90 0 to 85 0 to In OK 0 to 84 Renewal Window End of Term 30 Day Window 30 Day Window 30 Day Window 30 Day Window 30 Day Window No Auto Renewal 30 Day Window No Auto Renewal Guar Formula GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED 5 YRS GUARANTEED 5 YRS GUARANTEED 5 YRS GUARANTEED ALL YRS BAILOUT YRS 2-6 7,6,5,4,3,2,1,1,1,0.75 +/- MVA 10,10,9,9,8,8 +/- MVA 7,6,5,4,3,2,1,1,1,.75 +/- MVA 10,9,8,7,6 +/- MVA 9,8,7,6,5 +/- MVA 9,8,7,6,5 9,8,7,6,5,5,5,5,5,5 +/- MVA 5,5,5,5,5,4 $10,000 $20,000 $10,000 $10,000 $2,500 $25,000 $1,000,000 $1,000,000 $1,000,000 $350,000 $500,000 $500,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Cks during term period Add No Riders & Maximize Rate 15% Withdrawals Critical Illness & Home Health Care & Illness s Full Commission thru A90 without Death Benefit Rider Add No Riders & Maximize Rate Death Benefit included & rate 10 bpt lower in FL Death Benefit required A86-90 all st FL ANY TIME COMMISSION FREE Cruise for Agents Top Seller in Bank Channel Comm 50% lower BEST COMMISSION AGE 81 TO 90 6 Year 2.25% 5 Year 2.25% 3 Year 1.50% Rate under 250K 10 Bpts Lower Comm 25% lower Comm 50% lower Call for commission in DE MO OR PA WA Best Rate Rating & Commission Combination! Optional Liquidity Riders reduce rate Death Benefit.35% 10% Withdrawal.10%.05% Optional Liquidity Riders reduce rate Death Benefit.35% 10% Withdrawal.08%.08% MN rates 30 bpt lower Surrender charge waived if rate yrs 2-6 is below rate above 10 Year 3.00% 6 Year 3.00% 10 Year 2.75% 5 & 7 Yr 2.50% 5 Year 3.00% 2.50% 3.00% 2.50% 2.25% 5 & 7 Yr 2.25% 2.40% 3 Year 1.00% 3 Year 2.00% 4 Year 1.75% % DB Rider % % Yr 2% 5&7 1.5% % Page 5 of 5

American General. American General Ratings A.M. Best A+ A.M. Best A++ A.M. Best A++ A.M. Best A++ S&P AA- 5% % % 81-85

American General. American General Ratings A.M. Best A+ A.M. Best A++ A.M. Best A++ A.M. Best A++ S&P AA- 5% % % 81-85 Carrier Allianz General General General Ratings + + + A A A - Assets 30.9 Billion 25.5 Billion 25.5 Billion 25.5 Billion Product Name Dominator 5-10 Horizon Flex Horizon MYG Horizon Plus2004 Commission

More information

PLEASE NOTE: Required American Equity specific Product Training must be completed PRIOR to soliciting an Application to A

PLEASE NOTE: Required American Equity specific Product Training must be completed PRIOR to soliciting an Application to A PLEASE NOTE: Required American Equity specific Product Training must be completed IOR to soliciting an Application to A Signed in as: JOSEPH E GOSS LTD 3/12/2014 1:18:30 PM Home Announcements Information

More information

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features es Americo Life and Annuity Kansas City, MO A.M. Best A (Excellent) for strength. 3rd highest of 15 6/15/2015 LibertyMark Series single deferred fixed Years 7 No 7 7 Yes 7 10 No 10 10

More information

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features Bonuses Americo Life and Annuity Kansas City, MO A.M. Best A (Excellent) for strength. 3rd highest of 15 7/29/2016 LibertyMark Series single premium deferred fixed indexed annuities* Bonus

More information

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features Bonuses Americo Life and Annuity Kansas City, MO A.M. Best A (Excellent) for strength. 3rd highest of 15 9/8/2016 LibertyMark Series single premium deferred fixed indexed annuities* Bonus

More information

Aviva Announcing Changes to Products and Annuity Rates

Aviva Announcing Changes to Products and Annuity Rates September 9, 2011 Aviva Announcing Changes to Products and Annuity Rates This field update contains information on product and rate changes effective September 16, 2011. We want to thank you for all of

More information

Indexed Annuities. Bonus Gold 10% Premium Bonus on all 1st year Premiums. Penalty-Free Withdrawals. Minimum Rates. Schedule(s) Premium

Indexed Annuities. Bonus Gold 10% Premium Bonus on all 1st year Premiums. Penalty-Free Withdrawals. Minimum Rates. Schedule(s) Premium Bonus Gold 10% Bonus on all 1st year s For FL: 18-64 Interest Cap PR Spread 3 PT S&P 500 Annual Monthly Avg w/ PR - 25% - - S&P 500 Annual Monthly Avg w/ Cap 2.25% - 0% - S&P 500 Annual Pt to Pt w/ Cap

More information

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features es LibertyMark SM Series Annuity Quick Reference 800-395-1053, Ext. 4002 As of 5/18/2015 ** Crediting Strategies* Approved Americo Life and Annuity Kansas City, MO A.M. Best A (Excellent)

More information

American National. National Fixed & Fixed Indexed Annuity Brokerage Bulletin July 1,

American National. National Fixed & Fixed Indexed Annuity Brokerage Bulletin July 1, Minimum Premium Rate Guarantee Period Current Interest Rate 6 Years 8 Years 9 Years 10 Years 3.40% 2.80% 3.75% 2.95% 4.80% 3.95% Years 2-5 2.40% Years 2-6 2.80% $5,000 Qualified & NQ SPDA Years 2-7 Years

More information

Indexed Annuities. 7% Premium Bonus 7 on all 1st year Premiums for IncomeShield 10. IncomeShield Series. Penalty-Free Withdrawals.

Indexed Annuities. 7% Premium Bonus 7 on all 1st year Premiums for IncomeShield 10. IncomeShield Series. Penalty-Free Withdrawals. IncomeShield Series 7% Bonus 7 on all 1st year s for IncomeShield 10 IncomeShield 10 Interest IncomeShield 10 without LIBR Cap PR S&P 500 Annual Pt to Pt w/ Cap 2.50% - S&P 500 Monthly Pt to Pt w/ Cap

More information

August 2016 Interest Rate Announcement

August 2016 Interest Rate Announcement August 2016 Interest Rate Announcement The effective date is August 5th, 2016 for FIA and August 1st, 2016 for New York and MYGA. Fixed Indexed Annuities 1-Year Monthly Monthly Average 1-Year Annual 2-Year

More information

PRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017

PRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017 PRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017 This document provides a summary of the annuity training requirements that agents are required to complete for each

More information

Indexed Universal Life Caps

Indexed Universal Life Caps Indexed Universal Life Caps Effective March 15, 2013, the caps on FG Life-Elite II will be changing as follows: Cap Illustrative Rate 100% Participation Annual Point-to-Point 14.75% 8.32% 140% Participation

More information

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features es Americo Life and Annuity Kansas City, MO A.M. Best A- (Excellent) for strength. 4 th LibertyMark Series single deferred fixed indexed annuities* Version Dual Years 7 No 7 10 No 10 10

More information

Athene Ascent Pro Bonus

Athene Ascent Pro Bonus SM Athene Ascent Pro Bonus Product Guide Rates effective October 7, 2017 State Availability Ascent 10 Bonus 2.0: Ages 35-80 Ascent Pro 10 Bonus Select: Ages 35-80 Ascent 10 Bonus 2.0: Ages 35-64 Ascent

More information

ELITE 10 & 15. Make your money work for the long term. Fixed Indexed Annuity and Liquidity Rider

ELITE 10 & 15. Make your money work for the long term. Fixed Indexed Annuity and Liquidity Rider PERFORMANCE ELITE 10 & 15 Fixed Indexed Annuity and Liquidity Rider Make your money work for the long term. This material is provided by Athene Annuity and Life Company headquartered in West Des Moines,

More information

Issue ages On 3-7 Years, on 8 year, on 9 year and on 10 year. 10% Withdrawals after year 1.

Issue ages On 3-7 Years, on 8 year, on 9 year and on 10 year. 10% Withdrawals after year 1. www.spiaquote.com www.fsdfinancial.com January 05, 2016 800-373-9697 AGENT USE ONLY Oxford Life Multi-Select 5 Years 2.50% 6 Years 7 Years 10 Years 2.65% 3.00% 3.15% Issue ages 18-80 On 3-7 Years, 18-79

More information

Athene Ascent Pro Bonus

Athene Ascent Pro Bonus SM Athene Ascent Pro Bonus Product Guide Rates effective October 7, 2017 State Availability Ascent 10 Bonus 2.0: Ages 35-80 Ascent Pro 10 Bonus Select: Ages 35-80 Ascent 10 Bonus 2.0: Ages 35-64 Ascent

More information

SpectraMark SM Series Annuity Quick Reference

SpectraMark SM Series Annuity Quick Reference SpectraMark SM Series Annuity Quick Reference As of Carrier Product Product Features Liquidity Options/ Rider Features / Crediting Options Guaranteed Rates B++ (Good) for For most current rating information,

More information

Comparative Revenues and Revenue Forecasts Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas

Comparative Revenues and Revenue Forecasts Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas Comparative Revenues and Revenue Forecasts 2010-2014 Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas Comparative Revenues and Revenue Forecasts This data shows tax

More information

SIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008

SIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008 U.S. DEPARTMENT OF LABOR EMPLOYMENT AND TRAINING ADMINISTRATION Office Workforce Security SIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008 AL AK AZ AR CA CO CT DE DC FL GA HI /

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 10/24/18 Annuity Product Reference Guide October 2018 OPEN HERE! our potential annuity sales await! Don t Miss Out on the Annuity Income Opportunity of 2018! HIGHLANDER TM Fixed Indexed Annuity

More information

Athene Performance Elite 10

Athene Performance Elite 10 Athene Performance Elite 10 Product Guide Rates effective January 14, 2019 State Availability WA MT ND VT ME CA # OR NV ID AZ UT WY NM CO SD NE KS OK MN WI IA IL MO^ AR MI OH IN KY TN PA WV VA NC SC NY

More information

Annuity Product Reference Guide

Annuity Product Reference Guide EQUIT Annuity Product Reference Guide OPEN HERE! our potential annuity sales await! October 2014 Last Updated 10/01/14 Contact us Today! See website for contest rules. Contact us Today! For producer use

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 11/12/18 INDEXED Annuity Product Reference Guide Don t Miss Out on the Annuity Income Opportunity of 2018! HIGHLANDER TM Fixed Indexed Annuity November 2018 OPEN HERE! our potential annuity

More information

10 10 Year Surrender A PERFECT. Annuity Product Reference Guide EQUITY INDEXED. March. OPEN HERE! Your potential annuity sales await!

10 10 Year Surrender A PERFECT. Annuity Product Reference Guide EQUITY INDEXED. March. OPEN HERE! Your potential annuity sales await! Last Updated 03/01/17 EQUIT Annuity Product Reference Guide A PERFECT 10 10 ear with EquiTrust Life s Market Value EIA Compounding 6.00% Roll-up Rate for up to 10 years 4 Index Strategies and a Fixed Account

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 05/01/18 Annuity Product Reference Guide May 2018 OPEN HERE! our potential annuity sales await! Don t Miss Out on the Annuity Income Opportunity of 2018! HIGHLANDER TM Fixed Indexed Annuity

More information

2016 Workers compensation premium index rates

2016 Workers compensation premium index rates 2016 Workers compensation premium index rates NH WA OR NV CA AK ID AZ UT MT WY CO NM MI VT ND MN SD WI NY NE IA PA IL IN OH WV VA KS MO KY NC TN OK AR SC MS AL GA TX LA FL ME MA RI CT NJ DE MD DC = Under

More information

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Updated November 30, 2018

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Updated November 30, 2018 Company Updated November 30, 2018 Accuracy is never guaranteed since rates and features change frequently. Product Name Years Guaranteed Annual Effective Yield First Year Rate Rate Years 2+ Commission

More information

The Lincoln National Life Insurance Company Term Portfolio

The Lincoln National Life Insurance Company Term Portfolio The Lincoln National Life Insurance Company Term Portfolio State Availability as of 7/16/2018 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 NV NH NJ

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 10/24/18 Annuity Product Reference Guide October 2018 OPEN HERE! our potential annuity sales await! Don t Miss Out on the Annuity Income Opportunity of 2018! HIGHLANDER TM Fixed Indexed Annuity

More information

Athene Ascent Accumulator 10

Athene Ascent Accumulator 10 SM Athene Ascent Accumulator 10 Product Guide Rates effective December 1, 2017 State Availability Ages 0-80 Not available + Base Confinement Waiver is not available in MA # Minimum Interest Credit is not

More information

The Acquisition of Regions Insurance Group. April 6, 2018

The Acquisition of Regions Insurance Group. April 6, 2018 The Acquisition of Regions Insurance Group April 6, 2018 Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform

More information

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features es Americo Life and Annuity Kansas City, MO A.M. Best A (Excellent) for strength. 3rd highest of 15 3/15/2015 LibertyMark Series single deferred fixed indexed annuities* Version Dual Years

More information

3EXCITING Annuities!!!

3EXCITING Annuities!!! EQUIT Annuity Product Reference Guide OPEN HERE! our potential annuity sales await! August 2014 Last Updated 08/07/14 Contact us Today! Hit the Beach! 3EXCITING Annuities!!! from... Athene Annuity Enhanced

More information

Lifetime Income Riders Last Updated: July 16, 2014

Lifetime Income Riders Last Updated: July 16, 2014 Company Allianz Name Simple Income III Rider Enahnced Withdrawal Benefit MasterDex X Endurance Plus Allianz Preferred 360 Benefit Rider 360 CT, Option 3 not approved in AK, DE, IA, MN, OH, TX Issue Age

More information

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP INTEREST RATES - April 16, 2017 to May 15, 2017 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

LibertyMark SM Series Annuity Quick Reference

LibertyMark SM Series Annuity Quick Reference Carrier Features Bonuses LibertyMark SM Series Annuity Quick Reference 800-395-1053, Ext. 4002 As of 8/29/2017 Americo Life and Annuity Kansas City, MO A.M. Best A (Excellent) for financial strength. 3rd

More information

Athene Performance Elite 10

Athene Performance Elite 10 Athene Performance Elite 10 Product Guide Rates effective February 12, 2018 State Availability WA MT ND VT ME CA # OR NV ID AZ UT WY NM CO SD NE KS OK MN WI MI IA PA OH IN IL MO^ WV KY VA NC TN AR SC MS

More information

S&P Year Point-to-Point Index Strategy (Cap) 6.00% Bailout Cap Rate 3.00% 1-Year Monthly Cap Index Strategy (Cap) 2.15%

S&P Year Point-to-Point Index Strategy (Cap) 6.00% Bailout Cap Rate 3.00% 1-Year Monthly Cap Index Strategy (Cap) 2.15% SM Athene Protector 5 Product Guide Rates effective March 12, 2018 State Availability Ages 0-85 Not available + Confinement Waiver is not available in MA # No Confinement or Terminal Illness Waiver WA

More information

Older consumers and student loan debt by state

Older consumers and student loan debt by state August 2017 Older consumers and student loan debt by state New data on the burden of student loan debt on older consumers In January, the Bureau published a snapshot of older consumers and student loan

More information

3.35% 3.60% Annuity Product Reference Guide TRADITIONAL FIXED. Get um while they re HOT!!! March. OPEN HERE! Your potential annuity sales await!

3.35% 3.60% Annuity Product Reference Guide TRADITIONAL FIXED. Get um while they re HOT!!! March. OPEN HERE! Your potential annuity sales await! Last Updated 03/01/18 TRADITIONAL FIXED Annuity Product Reference Guide March 2018 OPEN HERE! our potential annuity sales await! Get um while they re HOT!!! Bankers Five ear & Seven ear Tax Deferred Annuity

More information

AmeriMark SM Freedom Annuity Series Quick Reference

AmeriMark SM Freedom Annuity Series Quick Reference Annuity Series Quick Reference Carrier Product Features Schedule % Crediting Rate Strategies Rates As of Fidelity & Guaranty Life Baltimore, MD B++ (Good) for strength. 5 th For most current rating information,

More information

Athene Performance Elite 7

Athene Performance Elite 7 Athene Performance Elite 7 Product Guide Rates effective September 8, 2018 State Availability Performance Elite 7: ages 0 83 Performance Elite 7 is not available for sale at this time. **Confinement Waiver

More information

FlexMark Select SM Series Annuity Quick Reference

FlexMark Select SM Series Annuity Quick Reference 800-395-1053, Ext. 4002 FlexMark Select SM Series Annuity Quick Reference Carrier Features Income Riders** Bonus Crediting Options* Liquidity As of 7/1/2018 Available Ameritas Life Corp., Lincoln, NE Ratings:

More information

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Company Updated September 28, 2018 Accuracy is never guaranteed since rates and features change frequently. Product Name Years Guaranteed Annual Commission (UP TO) Effective Yield First Year Rate Rate

More information

FIXED INDEX ANNUITY PRODUCTS

FIXED INDEX ANNUITY PRODUCTS THIS HEET IS FOR AGENT USE ONLY AND SHOULD BE USED AS A GUIDE ONLY, SEE LITERATURE AND/OR CONTRACT FOR DETAILS CURRENT AS OF 2/5/2010 Endurance Plus MasterDex Plus MasterDex 5 Plus Master Dex 10 Master

More information

FlexMark Select SM Series Annuity Quick Reference

FlexMark Select SM Series Annuity Quick Reference 800-395-1053, Ext. 4002 FlexMark Select SM Series Annuity Quick Reference Carrier Features Income Riders** Bonus Crediting Options* Liquidity As of 9/1/2018 Available Ameritas Life Corp., Lincoln, NE Ratings:

More information

Jolt! With MarketTwelve Bonus Index Annuity From EquiTrust Life Insurance Company

Jolt! With MarketTwelve Bonus Index Annuity From EquiTrust Life Insurance Company Last Updated 10/01/16 EQUIT Annuity Product Reference Guide October 2016 OPEN HERE! our potential annuity sales await! 12.00% BONUS Give our Fixed Indexed Annuity Sales a Jolt! With MarketTwelve Bonus

More information

12.00% Annuity Product Reference Guide FEEL THE POWER. MarketPower Bonus Index from EquiTrust Life Insurance Company INDEXED. Premium Bonus!!!

12.00% Annuity Product Reference Guide FEEL THE POWER. MarketPower Bonus Index from EquiTrust Life Insurance Company INDEXED. Premium Bonus!!! Last Updated 02/13/19 INDEXED Annuity Product Reference Guide February 2019 OPEN HERE! our potential annuity sales await! FEEL THE POWER 12.00% Bonus!!! Contact us Today! MarketPower Bonus Index from EquiTrust

More information

FlexMark Select SM Series Annuity Quick Reference

FlexMark Select SM Series Annuity Quick Reference FlexMark Select SM Series Annuity Quick Reference Carrier Features Income Riders** Bonus Crediting Options Liquidity 3/1/2019 Available Ameritas Life Corp., Lincoln, NE Ratings: A.M. Best A (Excellent)

More information

Income Rider Issued by Athene Annuity and Life Company, West Des Moines, Iowa (05/16)

Income Rider Issued by Athene Annuity and Life Company, West Des Moines, Iowa (05/16) Income Rider 65103 Issued by Athene Annuity and Life Company, West Des Moines, Iowa (05/16) Enjoy an income that lasts as long as your retirement does. 2 Athene Ascent Income Rider designed to provide

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 01/02/18 Product Reference Guide January 2018 OPEN HERE! our potential annuity sales await! Don t Miss Out on the Income Opportunity of 2017! HIGHLANDER TM Fixed Indexed From Happy New ear!

More information

Athene Agility SM 10. State Availability. Interest Crediting Rates. Product Guide Rates effective June 11, Ages

Athene Agility SM 10. State Availability. Interest Crediting Rates. Product Guide Rates effective June 11, Ages Athene Agility SM 10 Product Guide Rates effective June 11, 2018 State Availability Ages 40-80 Not available * Confinement Waiver not available in CA and MA # Enhanced Income Benefit not available in CA,

More information

WASHINGTON EQUITY INDEX ANNUITIES

WASHINGTON EQUITY INDEX ANNUITIES 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 0-85 7.00% 0-75 Equity Gold 6.5% CAP 3.0% Version 10% per

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 01/10/19 TRADITIONAL Annuity Product Reference Guide January 2019 OPEN HERE! our potential annuity sales await! Check out this product from Sagicor Life! Milestone MGA Multi-ear Annuity CHECK

More information

Athene Performance Elite 15

Athene Performance Elite 15 Athene Performance Elite 15 Product Guide Rates effective March 2, 2018 State Availability Performance Elite 15: ages 0 73 Performance Elite 15: ages 0 50 Performance Elite 15: ages 0 47 Performance Elite

More information

TCJA and the States Responding to SALT Limits

TCJA and the States Responding to SALT Limits TCJA and the States Responding to SALT Limits Kim S. Rueben Tuesday, January 29, 2019 1 What does this mean for Individuals under TCJA About two-thirds of taxpayers will receive a tax cut with the largest

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 01/02/18 Annuity Product Reference Guide January 2018 OPEN HERE! our potential annuity sales await! Don t Miss Out on the Annuity Income Opportunity of 2017! HIGHLANDER TM Fixed Indexed Annuity

More information

Please print using blue or black ink. Please keep a copy for your records and send completed form to the following address.

Please print using blue or black ink. Please keep a copy for your records and send completed form to the following address. 20 Disbursement for Beneficiary/QDRO Account IBEW Local Union No. 716 Retirement Plan Instructions About You Please print using blue or black ink. Please keep a copy for your records and send completed

More information

EQUITY INDEXED. Brokerage TREE. and. CHECK OUT what you ll win! $100. Visa gift card. in annuity sales

EQUITY INDEXED. Brokerage TREE. and. CHECK OUT what you ll win! $100. Visa gift card. in annuity sales November 2012 Brokerage TREE Product Reference Guide EQUIT Product Reference Guide Last Updated 11/27/12 Happy Thanksgiving! and our potential annuity sales await! FAN-tastic Brokerage TREE OPEN HERE!

More information

Eye on the South Carolina Housing Market presented at 2008 HBA of South Carolina State Convention August 1, 2008

Eye on the South Carolina Housing Market presented at 2008 HBA of South Carolina State Convention August 1, 2008 Eye on the South Carolina Housing Market presented at 28 HBA of South Carolina State Convention August 1, 28 Robert Denk Assistant Staff Vice President, Forecasting & Analysis 2, US Single Family Housing

More information

Florida 1/1/2016 Workers Compensation Rate Filing

Florida 1/1/2016 Workers Compensation Rate Filing Florida 1/1/2016 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 21, 2015 1 $ Billions 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 Florida s Workers Compensation Premium Volume 2.368 0.765 0.034

More information

INTEREST RATES - September 16, 2018 to October 16, 2018

INTEREST RATES - September 16, 2018 to October 16, 2018 INTEREST RATES - September 16, 2018 to October 16, 2018 Notices 1. Before soliciting or taking any annuity applications, you are required to complete Lafayette Life's Annuity Training and any Continuing

More information

FlexMark Select SM Series Annuity Quick Reference

FlexMark Select SM Series Annuity Quick Reference 800-395-1053, Ext. 4002 FlexMark Select SM Series Annuity Quick Reference Carrier Features Income Riders** Bonus Crediting Options* Liquidity As of 3/1/2018 Available Ameritas Life Corp., Lincoln, NE Ratings:

More information

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Company MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Product Name Years Guaranteed Annual Effective Yield First Year Rate Rate Years 2+ * (up to) Athene Athene MaxRate

More information

Cost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis

Cost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis Cost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis Report Authors: John Holahan, Matthew Buettgens, Caitlin Carroll, and Stan Dorn Urban Institute November

More information

AnnuityGram - Fixed Daly Brokerage - A member of Insurance Designers of America

AnnuityGram - Fixed Daly Brokerage - A member of Insurance Designers of America AnnuityGram - Fixed 860.677.5707 Guarantee 1st Year Base Average Minimum Minimum Issue State Product Period Rate Rate Annual Rate Guarantee Surrender Charge Purchase Age Approval s AMERICAN NATIONAL PALLADIUM

More information

AnnuityGram - Fixed Daly Brokerage - A member of Insurance Designers of America

AnnuityGram - Fixed Daly Brokerage - A member of Insurance Designers of America AnnuityGram - Fixed 860.677.5707 Guarantee 1st Year Base Average Minimum Minimum Issue State Product Period Rate Rate Annual Rate Guarantee Surrender Charge Purchase Age Approval s AMERICAN NATIONAL PALLADIUM

More information

INTEREST RATES - January 16, 2018 to February 15, 2018

INTEREST RATES - January 16, 2018 to February 15, 2018 INTEREST RATES - January 16, 2018 to February 15, 2018 Notices 1. Before soliciting or taking any annuity applications, you are required to complete Lafayette Life's Annuity Training and any Continuing

More information

Property Tax Relief in New England

Property Tax Relief in New England Property Tax Relief in New England January 23, 2015 Adam H. Langley Senior Research Analyst Lincoln Institute of Land Policy www.lincolninst.edu Property Tax as a % of Personal Income OK AL IN UT SD MS

More information

Annuity Product Reference Guide

Annuity Product Reference Guide Last Updated 12/07/18 TRADITIONAL Annuity Product Reference Guide December 2018 OPEN HERE! our potential annuity sales await! Check out this product from Sagicor Life! Milestone MGA Multi-ear Annuity CHECK

More information

FIXED INDEX ANNUITIES RATES AS OF 4/21/2017

FIXED INDEX ANNUITIES RATES AS OF 4/21/2017 FIXED INDEX ANNUITIES RATES AS OF 4/21/2017 Creative Financial LLC 1338 Third Avenue, Huntington, WV 25701 Phone: 888 522-2413 Email: rcampbell@creativefinancialins.com Fixed Index Annuities Product /

More information

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Company MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Product Name Years Guaranteed Annual Effective Yield First Year Rate Rate Years 2+ * (up to) Athene Athene MaxRate

More information

Local Anesthesia Administration by Dental Hygienists State Chart

Local Anesthesia Administration by Dental Hygienists State Chart Education or AK 1981 General Both Specific Yes WREB 16 hrs didactic; 6 hrs ; 8 hrs lab AZ 1976 General Both Accredited Yes WREB 36 hrs; 9 types of AR 1995 Direct Both Accredited/ Board Approved No 16 hrs

More information

State Trust Fund Solvency

State Trust Fund Solvency Unemployment Insurance State Trust Fund Solvency National Employment Law Project Conference - Washington DC December 7, 2009 Robert Pavosevich pavosevich.robert@dol.gov Unemployment Insurance Program

More information

2018 TRADITIONAL FIXED

2018 TRADITIONAL FIXED Last Updated 08/29/18 TRADITIONAL Annuity Product Reference Guide Get um while they re HOT!!! Bankers Five ear & Seven ear Tax Deferred Annuity check it out!!! Deposit: /Qualified or Non-Qualified 5 ear

More information

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON

MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT COMPARISON Creative Financial LLC 1338 Third Avenue, Huntington, WV 25701 Phone: 888 522-2413 Email: rcampbell@creativefinancialins.com RATES AS OF April 27, 2018 Company MULTI-YEAR GUARANTEED RATE ANNUITY PRODUCT

More information

NOTICE OF FEDERAL AND STATE TAX INFORMATION FOR PSA PLAN PAYMENTS YOUR ROLLOVER OPTIONS

NOTICE OF FEDERAL AND STATE TAX INFORMATION FOR PSA PLAN PAYMENTS YOUR ROLLOVER OPTIONS NOTICE OF FEDERAL AND STATE TAX INFORMATION FOR PSA PLAN PAYMENTS YOUR ROLLOVER OPTIONS Retain this Notice for Future Reference You are receiving this notice because all or a portion of a payment you are

More information

State Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks

State Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks State-By-State Tax Breaks for Seniors, 2016 State Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks AL Payments from defined benefit private plans are

More information

State of the Automotive Finance Market

State of the Automotive Finance Market State of the Automotive Finance Market A look at loans and leases in Q4 2017 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2018 Experian Information Solutions,

More information

Index Achiever 7 Fixed-Indexed Annuity Rates Effective January 15, or

Index Achiever 7 Fixed-Indexed Annuity Rates Effective January 15, or Index Achiever 7 Effective January 15, 2018 888-504-7109 or FISales@gaig.com with par. ishares U.S. Real Estate Purchase payments $250,000 and over 3.20% 7.75% 80% 8.50% 87.5% at 1% Purchase payments under

More information

Charles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA)

Charles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA) MEMO DATE: TO: Charles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA) FROM: Vincent L. Bodnar, ASA, MAAA RE: Penn Treaty Network American Insurance Company and American Network

More information

Who s Above the Social Security Payroll Tax Cap? BY NICOLE WOO, JANELLE JONES, AND JOHN SCHMITT*

Who s Above the Social Security Payroll Tax Cap? BY NICOLE WOO, JANELLE JONES, AND JOHN SCHMITT* Issue Brief September 2011 Center for Economic and Policy Research 1611 Connecticut Ave, NW Suite 400 Washington, DC 20009 tel: 202-293-5380 fax: 202-588-1356 www.cepr.net Who s Above the Social Security

More information

SCHIP: Let the Discussions Begin

SCHIP: Let the Discussions Begin Figure 0 SCHIP: Let the Discussions Begin Diane Rowland, Sc.D. Executive Vice President, Henry J. Kaiser Family Foundation and Executive Director, Kaiser Commission on for Alliance for Health Reform February

More information

Medicare Alert: Temporary Member Access

Medicare Alert: Temporary Member Access Medicare Alert: Temporary Member Access Plan Sponsor: Coventry/Aetna Medicare Part D Effective Date: Jan. 12, 2015 Geographic Area: National If your pharmacy is a Non Participating provider in the Aetna/Coventry

More information

FIXED INDEX ANNUITIES

FIXED INDEX ANNUITIES Allianz Life Insurance Company of North America Allianz 222 Annuity (FPDA for 1 year) C54370-MVA PIMCO Tactical Balanced Index Monthly Sum 1.60% 1.60% 2.00% Allianz 360 Annuity (FPDA for 1 year) C54370-MVA,

More information

Taxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015

Taxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015 Taxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015 Norton Francis State and Local Finance Initiative Urban-Brookings

More information

Percent of Employees Waiving Coverage 27.0% 30.6% 29.1% 23.4% 24.9%

Percent of Employees Waiving Coverage 27.0% 30.6% 29.1% 23.4% 24.9% Number of Health Plans Reported 18,186 3,561 681 2,803 3,088 Offer HRA or HSA 34.0% 42.7% 47.0% 39.7% 35.0% Annual Employer Contribution $1,353 $1,415 $1,037 $1,272 $1,403 Percent of Employees Waiving

More information

Tax Breaks for Elderly Taxpayers in the States in 2016

Tax Breaks for Elderly Taxpayers in the States in 2016 AL Payments from defined benefit private plans are exempt; most public systems are exempt; military and US Civil service are exempt Special Homestead ion for 65+ +25.2% +2.4% AK No PIT Homestead ion for

More information

2016 GEHA. dental. FEDVIP Plans. let life happen. gehadental.com

2016 GEHA. dental. FEDVIP Plans. let life happen. gehadental.com 2016 GEHA dental FEDVIP Plans let life happen gehadental.com Smile, you re covered, with great benefits and a large national network. High maximum benefits $25,000 for High Option Growing network of dentists

More information

Report to Congressional Defense Committees

Report to Congressional Defense Committees Report to Congressional Defense Committees The Department of Defense Comprehensive Autism Care Demonstration December 2016 Quarterly Report to Congress In Response to: Senate Report 114-255, page 205,

More information

Unemployment Insurance Benefit Adequacy: How many? How much? How Long?

Unemployment Insurance Benefit Adequacy: How many? How much? How Long? Unemployment Insurance Benefit Adequacy: How many? How much? How Long? Joel Sacks, Deputy Commissioner Washington State Employment Security Department March 1, 2012 1 Outline How many get unemployment

More information

2018 ADDENDUM INSTRUCTIONS

2018 ADDENDUM INSTRUCTIONS 2018 ADDENDUM INSTRUCTIONS FEBRUARY 22, 2019 UPDATE: 2018 MUNICIPAL REFERENCE BOOK 1. DELAWARE funds are listed on page 15. You may note on page 15 to see the addendum for additional Delaware funds. The

More information

FIXED INDEX ANNUITIES

FIXED INDEX ANNUITIES A49348 Allianz Life Insurance Company of North America Allianz 222 Annuity (FPDA for 1 year) C54370-MVA 15% Protected Income Value Bonus* - Annual Annual Monthly Avg All 1st Year Premiums Opt. A Index

More information

Age of Insured Discount

Age of Insured Discount A discount may apply based on the age of the insured. The age of each insured shall be calculated as the policyholder s age as of the last day of the calendar year. The age of the named insured in the

More information

Index Achiever 7 Fixed-Indexed Annuity Rates Effective January 15, or

Index Achiever 7 Fixed-Indexed Annuity Rates Effective January 15, or Index Achiever 7 Fixed-Indexed Annuity Rates Effective January 15, 2018 888-504-7109 or FISales@gaig.com S&P 500 Risk Control with par. Estate Purchase payments $250,000 and over 3.20% 7.75% 80% 8.50%

More information

2018 National Electric Rate Study

2018 National Electric Rate Study 2018 National Electric Rate Study Ranking of Typical Residential, Commercial and Industrial Electric Bills LES Administrative Board June 15, 2018 Emily N. Koenig Director of Finance & Rates 1 Why is the

More information

Index Achiever 7 Fixed-Indexed Annuity Rates

Index Achiever 7 Fixed-Indexed Annuity Rates Index Achiever 7 Effective January 15, 2018 888-504-7109 or FISales@gaig.com ishares U.S. Real Estate annual point-topoint Purchase payments $250,000 and over 3.20% 7.75% 80% 8.50% 87.5% at 1.25% Purchase

More information

TREE. Annuity Product Reference Guide. Brokerage INDEXED. September. OPEN HERE! Your potential annuity sales await! Contact us Today!

TREE. Annuity Product Reference Guide. Brokerage INDEXED. September. OPEN HERE! Your potential annuity sales await! Contact us Today! Last Updated 09/05/18 Brokerage TREE Annuity Product Reference Guide September 2018 OPEN HERE! our potential annuity sales await! Don t Miss Out on the Annuity Income Opportunity of 2018! HIGHLANDER TM

More information