September 4th, 2015 Carrier/Product Guaranteed Value 5 Year Genworth SecureLiving Index 5 Bailout Provision Voya Financial Secure Index Five (FPDA) Return of Option Available Renewal Flex Waiver available in most States The Standard Index Select Annuity 5 $100k-$249,999 : 3.50% Monthly Cap: 2.00% Point to Point Cap: 4.50% Point to Point Bailout @ 3.50% Call for other premium banding Reduced Caps and Rates in AK,MN,MO,PA,OR & WA Point to Point Cap $75k+3.75%, $15k-$74,999 2.25% Renewal Flex Waiver.75% Monthly Cap $75k+ 1.60%, $15k-$74,999 1.00% Performance Trigger $75k+ 2.75%, $15k-$74,999 2.00% 1.50% Current Caps $100,000 & Up 4.50% Under $100,000 4.00% 1.75% Value after 1 st Year Value after the 1 st Year Up to accumulated value once each year after the 1 st year $25,000 104% of premium less adjustment for any withdrawals and applicable rider fees. Calculated only at the end of the surrender charge period $15,000 DE,,OR $15,000 1.00% on 87.5% of 5 Year 9,9,8,7,6 5 Years 8,7.5,6.50,5.5 0,4.50 5 Years 7,6,5,4,2 in OK 0-90 0-75 3.00% 76-80 2.00% 81-85 1.00% 0-75 3.15% 76-80 2.36% 1.57% on Years 2-4 3.00% 81-85 1.50% 86-90 1.35% Lincoln OptiChoice 5 3.35% > $100k < $100k 3.00% Monthly Cap 1.70% > $100k < $100k 1.55% 2.00% > $100k < $100k 1.85% $2,000 Q $5,000 N/Q compounded at.50%,or 5 Years 9,8,7,6,5 Reduced charges in MN, MO, OR, UT, WA 0-74 3.50% 75-79 2.60% 80-84 1.70% 85.75%
Guaranteed Value Safe Outlook Bailout Provision Point to Point Cap $100k & Up 4.50% - 3.00% Bailout Under $100k 4.25% w/3.00% Bailout Monthly Avg Cap $100k & Up 5.25% - 3.00% Bailout Under $100k 4.75% - 3.00% Bailout after 1 st Year 90% of premium 6 Years 9,8,7,6,5,4 0-75 3.50% 76-80 2.60% 81-85 1.70% 1.95% and 1.85% 6 Year Equity Choice 6 Annual Point to Point No Cap 35% Participation Annual Point to Point Cap 4.50% Monthly Point to Point 1.80% Dividend Aristocrats Daily Risk Control 5% Index-No Cap 1.75% Asset Fee Fixed Acct 1.60% after 1 st Year 90% of premium AL, 6 Years 9.2,8,7,5.5,4,2.5 18-80 18-75 4.00% 76-80 3.00% Lincoln New Direction 6 A + Rating 3.60% > $100k < $100k 3.35% 2 Year Point to Point Cap 8.85% > $100k < $100k 8.15% Value compounded at.50% 6 Years 9,8,7,6 4.70,3.50 0-75 3.50% 76-80 2.75% 81-85 1.75% 6 Year MYG 2.15% > $100k < $100k 2.00%
Name/AM Best Rating Genworth SecureLiving Index 7 Bailout Provision 100k-$249,999 : 3.50% Monthly Cap: 1.70% Point to Point Cap: 4.95% Point to Point Bailout @ 3.95% Call for other premium banding Reduced Caps and Rates in AK,MN,MO,PA,OR & WA Value after 1 st Year $25,000 Guaranteed Value 107% of premium less adjustment for any withdrawals and applicable rider fees. Calculated only at the end of the surrender charge period DE, 9,9,8,7,6,5,4 0-75 4.50% 76-80 3.00% 81-85 1.50% 7 Year Legend III Strategy 7 Lincoln OptiBlend 7 Voya Financial Index Seven (FPDA) Renewal Flex Waiver available in most States Integrity Indextra Point to Point Cap 4.25% 1 Year Gold Price Cap 4.75% Mo. Point to Point Cap 1.75% Fixed Acct 1.90% Point to Point Cap 5.00% One Year Performance Method 4.00% Mo. Point to Point Cap 2.00% Fixed Acct 2.40% Annual Pt to Pt Cap 4.15% $100k & Up 3.85% <$100k Performance Triggered 3.75% $100k & Up 3.50% < $100k Daily Risk Control 5% Index No Cap 1.65% Spread $100k & Up 2.00% < $100k Fixed Acct 2.25% $100k & Up 2.10% < $100k Point to Point Cap $75k+ 4.50%, $15k-$74,999 3.25% Monthly Cap $75k+ 2.00%, $15k-$74,999 1.45% Performance Trigger $75k+ 3.50%, $15k-$74,999 2.75% 2.00% Multi-Asset Index 3 Yr Pt to Pt NO CAP 100% Participation Point to Point Cap 3.00% Mo. Avg. Point to Point 3.25% Fixed Acct 1.60% Value after the 1 st Year Subsequent $2,000 $5,000 Q N/Q Additional premiums are subject to a $50 minimum. $15,000 ($50 Additional s) 1.00% on $15,000 1.00% on AK,CA,HI MN,MS MO,,OR PA,UT,WA,OR CA,ME,NH,VT 9,8,7,6,5,4,3 7,6,5,4,3,2,1 9,8,7,6,5,4,3 10,10,10,10,9,8,7 9,8.50,8,7,6,5,4 18-85 0-75 4.75% 76-80 3.25% 81-85 2.25% 0-75 5.00% 76-80 4.00% 0-74 4.50% 75-79 3.00% 80-84 2.00% 85.75% 0-75 4.00% 76-80 3.00% 18-75 5.25% 76-85 4.25%
Name/AM Best Rating Equity Choice 8 Annual Point to Point No Cap 40% Participation Annual Point to Point Cap 4.75% Monthly Point to Point 1.90% Dividend Aristocrats Daily Risk Control 5% Index-No Cap 1.50% Asset Fee Fixed Acct 1.75% after 1 st Year Guaranteed Value 90% of premium AL, 8 Years 9.2,8.25,7.25,6.5,5.5 4.5,3.5,2.5 18-80 18-75 5.00% 76-80 3.75% 8 & 9 Year Lincoln New Directions 8 4.00% > $100k < $100k 3.75% 2 Year Point to Point Cap 10.10% > $100k < $100k 9.35% 8 Year MYG 2.40% > $100k < $100k 2.25% compounded at.50% 8 Years 9,8,7,6,4.75,3.5 0,2,.75 0-75 4.50% 76-80 3.50% 81-85 2.25% Voya Wealth Builder Plus Americo Ultimate One Index 9 $100,000 Band 5.20% Annual Point to Point Cap 7.50% 3.25% Less.85% annual charge on GMWB account Value deducted quarterly Point to Point Cap 2.75% PTP Participation-No Cap 28.00% Mo. Avg. Participation- No Cap 44.00% Mo. Avg. Cap 3.25% Fixed Acct 1.45% 5% of Value after the 1 st Year Value after the 1 st Year $15,000 $2,000 Q $5,000 N/Q compounded at.875% 1.00% on 100% of premium,or AL,MD MN,NJ,OR WA,WY 8 Years 10,10,10,10,9,8, 7,6 9 Years 11,10.50,10 9.50,9,8,7,6,5 5 50-75 5.00% 76-80 3.75% 9.00% 81-85 7.00%
Guaranteed Value Equity Retirement Gold 8% Bonus Point to Point Cap 2.25% Monthly Pt to Pt Cap 1.20% S&P Mo Avg Annual Pt to Pt Cap 2.25% Fixed Acct 1.00% value after 1 st year $5,000 87.5% on 100% of premium AK,AL,CT,DE,FL MN,NJ,,OH OR,PA,SC TX,UT,WA 12.5,12,12,11,10,9, 8,7,6,4 0-78 0-78 6.00% 1 st Year 1.00% Years 2 & 3 Call for IN, FL AIG Power 10 Protector 3.00% Bonus Annual Pt to Pt Cap 3.50% Monthly Avg Spread 3.75% Monthly Pt to Pt Cap 1.50% 1.60% accumulated value after the 1 st year $25,000 premium in most states,or,vt,wa 10,9,8,7,6,5,4,3,2,1 In addition to above charges there is also a Bonus Recapture provision 0-75 0-70 6.50% 71-75 4.50% 10 Year Lincoln OptiBlend 10 Annual Pt to Pt Cap 4.50% $100k & Up 4.15% <$100k Performance Triggered 4.15% $100k & Up 4.00% < $100k Daily Risk Control 5% Index No Cap 1.15% Spread $100k & Up 1.45% < $100k Fixed Acct 2.50% $100k & Up 2.35% < $100k Additional premiums are subject to a $50 minimum. AK,CA,HI MN,MS MO,,OR PA,UT,WA 9,8,7,6,5,4,3 0-74 6.00% 75-79 4.00% 80-84 1.75% 85 1.00% Fidelity & Guaranty Life Safe Income Plus 7.00% Bonus B++ Annual Pt to Pt Cap 3.00% Monthly Avg Cap 3.25% Index Gain Declared Rate 2.50% Monthly Pt to Pt Cap 1.50% 1.25% Value after the 1 st Year The minimum guaranteed surrender values on a full surrender is 87.5% of premium, plus daily interest accruing at the MGSV accumulation interest rate. Between 1% and 3%, is set at issue and fixed for the life of the contract. AL,CT,ID,IN MN,MS,,OR PA,VT,WA 12,11,10,9,8,7,6,5, 4,3 In addition to above charges there is also a Bonus Recapture provision 0-75 7.75% 76-80 5.95% Varies in AK,DE,FLNV OH,OK,SC TX,UT
Guaranteed Value Valor 10 4.00% Bonus Point to Point Cap 4.00% Monthly Avg Cap 4.75% 1.00% 10,9,8,7,6,5,4,3,2,1 0-75 5.00% 76-80 3.65% 81-85 1.65% Safe Return Return of Point to Point Cap 5.00% Bailout 3.00% Monthly Avg Cap 5.25% Bailout 3.00% 1.00% $25,000 1.00% on 100% of 10,9,8,7,6,5,4,3,2,1 0-75 5.50% 76-80 4.50% 81-85 1.50% 10 Year North Benefit Solutions 10 Point to Point Cap-4.70% Low Volatility Daily Risk Control 5% No Cap Less 1.50% Margin Spread Mo. Avg. Point to Point 80% Participation-No Cap Fixed Acct 2.50% After the 1st Year of up to 5% (10% if no withdrawals taken in the prior year after second contract anniversary) $20,000 AK,CA,CT,DE,IL LA,MD,MN,MO,OH,OR,PA UT,VA,WA,WY Caps/Rates Reduced in: FL,IN,MS,NV OK,SC, TX 10,10,9,9,8,8,7,6,4,2 40-79 0-75 7.00% 76-79 5.25% Integrity Indextra Multi-Asset Index 3 Yr Pt to Pt NO CAP 115% Participation Point to Point Cap 3.50% Monthly Avg. Point to Point 4.00% Fixed Acct 1.80% $15,000 1.00% on 100% of premium CA,ME,NH,VT 9,8.50,8,7 6,5,4,3,2,1 18-85 18-75 6.50% 76-85 5.00%