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A member of LifeMark Partners
Guaranteed Rate Traditional Index Flexible Premium Immediate
* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Flexible Premium Annuities Printable Version  
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
1QuintaflexING Reliastar
A / (VitalSigns)		---4.55%----N/A---N/A---TSA
---4.55%----N/A---N/A---IRA
---3.80%----N/A---N/A---Non-Qual		5 Years
5,5,5,5,5,0%		Yes
Yes		Apps
Contr
1PGA 5The Standard
A / (VitalSigns)		---2.50%----N/A---N/A---$100k+
---2.40%----N/A---N/A---$5k+		5 Years
8,7,6,5,4,2,0%		No
No		5.00%   00-80
2.50%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1FPDAThe Standard
A / (VitalSigns)		---2.00%----N/A---N/A---$60010 Years
9,8,7,6,5,4,3,2,1,0		No
No		5.00%   0-80
2.25%   81-85
2.25%   86-90		Client
Agent		Apps
Contr
1PGA 7The Standard
A / (VitalSigns)		---2.95%----N/A---N/A---$100k+
---2.85%----N/A---N/A---$5k+		7 Years
9,8,7,6,5,4,2,0%		No
No		5.00%   00-80
2.50%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1PGA 9The Standard
A / (VitalSigns)		---3.10%----N/A---N/A---$100k+
---3.00%----N/A---N/A---$5k+		9 Years
9,8,7,6,5,4,3,2,1,0%		No
No		5.00%   00-80
2.50%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1Pro FlexVALIC
A / (VitalSigns)		---2.75%----2.25%---N/A---TSA
---2.65%----2.00%---N/A---IRA
---2.50%----2.00%---N/A---NQ		5 Years
5,5,5,5,5,0%		No
No		4.80%   00-55
3.80%   56-75
2.60%   76-85		Client
Agent		Apps
Contr
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
2Citadel 7 DiamondAmerican National
A / (VitalSigns)		---4.40%----2.40%---N/A--- $100K
---4.30%----2.30%---N/A---$5K		7 Years
7,7,7,6,5,4,2,0%		No
No		4.50%   0-80
3.50%   81-85		ClientApps
Contr


Index Annuities Printable Version  
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
5Secure 5ING USA
A / (VitalSigns)		Annual Reset----S&P--- 100%----5.25% ----No -----$75k+
----S&P--- 100%----4.75% ----No -----$75k+
----S&P--- 100%----4.25% ----Yes -----$15k+
----S&P--- 100%----3.75% ----Yes -----$15k+		5 Years
8,7.5,6.5, 5.5,4.5,0%		Yes
0.40%		No
No		4.00%   00-80Client
Agent		Apps
Contr
5OptiChoice 5Lincoln National
A+ / (VitalSigns)		Annual Reset----S&P--- 100%----4.35% ----No -----$100k
----S&P--- 100%----4.05% ----No -----$2k++		5 Years
9,8,7,6,5		Yes
0.40%		Yes
No		5.00%   00-75
3.75%   76-80
2.50%   81-85		Client
Agent		Apps
Contr
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
6Envoy 6ING USA
A / (VitalSigns)		Annual Reset----Blend--- 100%----6.25% ----No -----$75k+
----Blend--- 100%----4.75% ----No -----$15k+		6 Years
9,9,9,9,8,7% W 6,5,4,0%		Yes
0.40%		No
No		1.50%   00-80
0.75%   Yr2+		Client
Agent		Apps
Contr
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
7Secure 7ING USA
A / (VitalSigns)		Annual Reset----S&P--- 100%----6.75% ----No -----$75k+
----S&P--- 100%----5.75% ----No -----$15k+		7 Years
10,10,10, 10,9,8,7,0%		Yes
0.40%		No
No		5.00%   A-80Client
Agent		Apps
Contr
7OptiChoice 7Lincoln National
A+ / (VitalSigns)		Annual Reset---- S&P--- 100%----4.75% ----No -----$100k
----S&P--- 100%----4.45% ----No -----$2k++		7 Years
9,8,7,6,5,4,3		Yes
0.40%		Yes
No		6.00%   00-75
4.50%   76-80
3.00%   81-85		Client
Agent		Apps
Contr
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
8OptiPoint 8Lincoln National
A+ / (VitalSigns)		Performance Trigger, 2-Year Monthly Pt to Pt, 2-Year Pt to Pt----S&P--- 100%----4.05% ----2%-3% -----$5k++
----S&P--- 100%----3.40% ----2%-3% -----$5k++
----S&P--- 100%----9.35% ----2%-3% -----$5k++		8 Years
9,8,7,6,5,4,3,2,0%		No
Yes
No		6.00%   00-75
4.00%   76-80
2.00%   81-85		Client
Agent		Apps
Contr
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
9Envoy 9ING USA
A / (VitalSigns)		Annual Reset----Blend--- 100%----6.50% ----No -----$75k+
----Blend--- 100%----5.00% ----No -----$15k+		9 Years
9,9,9,9,8, 7,6,5,4,0%		Yes
0.40%		Yes
No		6.50%   00-80Client
Agent		Apps
Contr
9OptiChoice 9Lincoln National
A+ / (VitalSigns)		Annual Reset----S&P--- 100%----5.15% ----No -----$100k
----S&P--- 100%----4.70% ----No -----$2k++		9 Years
9,8,7,6,5,4,3,2,1		Yes
0.40%		Yes
No		7.00%   00-75
5.25%   76-80		Client
Agent		Apps
Contr
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
10OptiPoint 10Lincoln National
A+ / (VitalSigns)		Performance Trigger, 2-Year Monthly Pt to Pt, 2-Year Pt to Pt----S&P--- 100%----4.05% ----3%-4% -----$5k++
----S&P--- 100%----2.35% ----3%-4% -----$5k++
----S&P--- 100%----9.35% ----3%-4% -----$5k++		10 Years
10,9,8,7,6, 5,4,3,2,1,0%		No
Yes
No		7.00%   00-75
4.75%   76-80		Client
Agent		Apps
Contr


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