|
Company
• Product |
Allianz
MasterDex 10 |
American Equity
Bonus Gold |
Allianz
MasterDex 5 |
|
Crediting Methods |
Sums monthly positive gains, subject to a
cap, and subtracts monthly losses without a cap each
year. Minimum 1% cap, 10% premium bonus |
Annual Reset, 100% of either average
monthly positive gains or end point values up to cap.
Or sums monthly positive gains, subject to a cap, and
subtracts monthly losses without a cap each year.
Minimum 1% cap. 10% premium bonus |
Sums monthly positive gains, subject to a
cap, and subtracts monthly losses without a cap each
year. Minimum 1% cap, 5% premium bonus |
|
Surrender Charges |
Annuitization Required |
17 Yrs - 20%, Declining |
10 Yrs - 15%, Decreasing |
|
Minimum Premium |
$5,000 |
$5,000 |
$25,000 |
|
Minimum Guarantee |
3% on 75% of initial premium |
2.25% on 80% of premium |
3% on 80% of premium |
|
Available
Accounts and Indices |
S&P 500, Nasdaq-100 |
S&P 500, Dow Jones Ind Average
Lehman Bros Aggr. Bd
Fixed Account |
S&P 500, Nasdaq-100 |
|
Street
Commission |
0 - 75: 9.00%
76 - 85: 7.00%Trails Options Available |
N/Q 0 - 75: 8.00%
N/Q 76 - 80: 6.00%
N/Q 81 - 85: 4.00%
Q 0 - 75: 8.00%
Q 76 - 80: 4.00% |
0 - 75: 9.00%
76 - 85: 7.00%Trails Options Available |
|
Company •
Product |
AVIVA
AmerUs
MultiChoice IncomePlus |
OMFN
Spectrum Rewards Choice 9 |
OMFN
Loyalty Rewards Escalator 12 |
|
Crediting
Methods |
Annual
Pt-to-Pt
Annual Pt-to-Pt w/cap
Monthly Averaging w/spread
Monthly Cap Gain
5% premium bonus |
Sum of capped monthly gains
plus uncapped monthly loss. 1% minimum cap |
Annual
Pt-to-Pt
Annual Pt-to-Pt w/cap
Monthly Averaging w/spread
5% premium bonus |
|
Surrender
Charges |
10 yr -16%,15%,14%,13%,12%,
11%,10%,8%,6%,4% |
12 Yrs -
12%,11%,10%,9%,8%,7%
6%, 4%,2% |
12 yrs - 17.5%,16.5%,15.5%,
14.5%,13.5%,12.5%, 11.5%, 10.5%, 9.5%,
8.5%, 7.5%, 6.5% |
|
Minimum
Premium |
$10,000 |
$25,000 |
$10,000 |
|
Minimum
Guarantee |
Varies on 87.5% of premium |
Varies |
Varies |
|
Available
Accounts and Indices |
S&P 500
Nasdaq 100
DJIA
Fixed Account |
S&P 500
Fixed Account |
S&P 500
Fixed
|
|
Street
Commission |
0 - 80: 8.50%
81 - 83: 7.00%
Trails
Options Available |
0 - 79: 9.00%
80 - 85: 4.50%
Trails
Options Available |
0 - 79: 7.50%
80 - 85: 3.75% |
|
Company •
Product |
EquiTrust
MarketPower Bonus Index
|
North
American Company
Freedom
Choice |
ING
Secure Index
Opportunities Plus |
|
Crediting
Methods |
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
Pt-to-Pt w/cap
Monthly Cap Gain |
Annual
Pt-to-Pt
Annual Pt-to-Pt w/cap
Monthly Averaging w/spread
5% premium bonus |
|
Surrender
Charges |
14 Yrs - 20%, Decreasing |
6, 8, 10 ,or 14 year periods |
10 yr - 10%, 10%,10%,10%,9%,
8%,7%,6%,5%, 4% |
|
Minimum
Premium |
$5,000 ($2,000-Qualified) |
$10,000 |
$15,000 |
|
Minimum
Guarantee |
Varies on 87.5% of premium |
Varies on 87.5% of initial
premium |
Varies on 87.5% of premium |
|
Available
Accounts and Indices |
S&P 500
Fixed Account |
S&P 500
S&P 400
DJIA
Nasdaq-100
Russell 2000
DJ Euro Stoxx 50
Lehman Bros. Agg. Bd |
S&P 500
Fixed |
|
Street
Commission |
0 - 80: 8.50% |
NOT APPROVED IN CALIFORNIA
YET! |
0 - 80: 8.00%
Trails
Options Available |
Below are additional
Annuities you may encounter. These are NOT top sellers for
IMS agents and may not be on our approved annuity product
matrix. This information is provided to our agents so they
can stay informed about competition.
|
Company -
Product |
AVIVA
American Investors
BalancePlus Annuity 12 |
Midland National Life
Select |
AVIVA
American Investors
Income Select Plus |
|
Crediting Methods |
Blended term end point uses
a 50% fixed rate and 50% indexed allocation, and credits
interest at the end of a a four-year term. |
Annual
Pt-to-Pt w/cap
Monthly Cap Gain
|
Annual
Pt-to-Pt
Annual Pt-to-Pt w/cap
Monthly Averaging w/spread
Monthly Cap Gain
5% premium bonus |
|
Surrender Charges |
12 Yrs
-13.5%,13%,12.5%,12%,11%,
10%,9%,8%,7%,6%,3% |
6, 8, 10 ,or 14 year periods |
10 yr -16%,15%,14%,13%,12%,
11%,10%,8%,6%,4% |
|
Minimum Premium |
$5,000 |
$10,000 |
$10,000 |
|
Minimum Guarantee |
Varies on 87.5% of initial
premium |
Varies on 87.5% of initial
premium |
Varies on 87.5% of initial
premium |
|
Available Accounts and
Indices |
S&P 500
Fixed Account |
S&P 500
S&P 400
DJIA
Nasdaq-100
Russell 2000
DJ Euro Stoxx 50
Lehman Bros. Agg. Bd |
S&P 500
Nasdaq 100
DJIA
Fixed Account |
|
Street Commission |
Not Available |
Not Available |
Not Available |
* This Hot Product Information is updated monthly so
visit our Annuity Matrix for daily updates. |
