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Guaranteed Rate 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
3Choice 3Royal Neighbors
A- / (VitalSigns)		---1.10%----1.10%---1.10%---$100k+
---1.00%----1.00%---1.00%---$50k++		3 Years
8,7,6% W 8,7,6% W 8,7,6,0%		No
Yes		1.50%   18-75
1.00%   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
5Choice 5Royal Neighbors
A- / (VitalSigns)		---2.20%----2.20%---2.20%---$10k+5 years
8.5,7.5,7,6,4,0%		No
No		1.75%   18-75
2.00%   $100k+
1.45%   76-85
1.70%   $100k+
Client
Agent		Apps
Contr
5FGA 5The Standard
A / (VitalSigns)		---1.85%----1.85%---1.85%---$100k+
---1.75%----1.75%---1.75%---$15k+		5 Years
8,7,6,5,4,0%		Yes
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent		Apps
Contr
5Rate Saver 5Genworth
A / (VitalSigns)		---2.15%----2.15%---2.15%---$250k+
---2.05%----2.05%---2.05%---$100k+
---1.85%----1.85%---1.85%---$25k++		5 Years
9,8,7,6,5% W Restart		Yes
Yes		2.00%   00-75
1.35%   76-80
0.70%   81-85		Client
Agent		Apps
Contr
5Balance 5Liberty Life
A / (VitalSigns)		---4.15%----1.15%---1.75%---$100k+
---4.00%----1.00%---1.60%---$10k++		5 Years
7,7,7,6,5,0%		No
No		4.00%   00-80
2.00%   81-85		Apps
Contr
5MYGuarantee 5Lincoln National
A+ / (VitalSigns)		---1.60%----1.60%---1.60%---$100k+
---1.45%----1.45%---1.45%---$10k++		5 Years
7,7,6,5,4,0%		Yes
No		2.00%   00-75
1.30%   76-80
0.75%   81-85		Client
Agent		Apps
Contr
5Horizon Select 5American General
A / (VitalSigns)		---1.70%----1.70%---1.70%---$5,0005 Years
10,9,8,7,6 W 5,4,3,2,1		Yes
Yes		4.00%   00-80
3.00%   81-85		Apps
Contr
5SRA 5The Standard
A / (VitalSigns)		---1.30%----1.30%---1.30%---$100k+
---1.20%----1.20%---1.20%---$15k+		5 Years
9,8,7,6,5,0%		No
No		4.00%   00-80
2.00%   81-85
1.45%   86-90		Client
Agent		Apps
Contr
5Palladium 5 MYGAmerican National
A / (VitalSigns)		---2.10%----1.10%---1.30%---$100k+
---2.00%----1.00%---1.20%---$5k+		5 Years
8,8,8,7,6% W 5,4,3,2,1,0%		Yes
Yes		4.00%   00-79
2.00%   80-85		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
6Choice 6Royal Neighbors
A- / (VitalSigns)		---2.45%----2.45%---2.45%---$100k+
---2.20%----2.20%---2.20%---$20k+		6 Years
8.5, 7.5, 7,6,5,4.5,0%		No
No		2.75%   00-75
1.45%   76-85		Client
Agent		Apps
Contr
6FGA 6The Standard
A / (VitalSigns)		---2.30%----2.30%------$100k+
---2.20%----2.20%------$15k+		6 Years
8,7,6,5,4,3,0%		Yes
No		2.00%   00-80
1.00%   81-85
0.77%   86-90		Client
Agent		Apps
Contr
6Horizon AchieverAmerican General
A / (VitalSigns)		---2.20%----2.20%---2.20%---$5,0006 Year
10,9,8,7,6,5 W,4,3,2,1,0%		Yes
Yes		3.00%   00-80
2.00%   81-85		Client
Agent		Apps
Contr
6MYGuarantee 6Lincoln National
A+ / (VitalSigns)		---1.90%----1.90%---1.90%---$100k+
---1.75%----1.75%---1.75%---$10k++		6 Years
7,7,6,5,4,3,0%		Yes
No		2.25%   00-75
1.50%   76-80
0.75%   81-85		Client
Agent		Apps
Contr
6Palladium 6 MYGAmerican National
A / (VitalSigns)		---1.80%----1.80%---1.80%---$100k+
---1.70%----1.70%---1.70%---$5k+		6 Years
8,8,8,7,6,5% W 4,3,2,1,0%		Yes
Yes		2.50%   00-79
0.50%   80-85		Client
Agent		Apps
Contr
6SRA 6The Standard
A / (VitalSigns)		---1.30%----1.30%---1.30%---$100k+
---1.20%----1.20%---1.20%---$15k+		6 Years
9,8,7,6,5,4,0%		No
No		4.00%   00-80
2.00%   81-85
1.45%   86-90		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
7Rate Saver 7Genworth
A / (VitalSigns)		---2.55%----2.55%---2.55%---$250k+
---2.45%----2.45%---2.45%---$100k+
---2.25%----2.25%---2.25%---$25k++		7 Years
9,8,7,6,5,4,3% W Restart		Yes
Yes		2.75%   00-75
2.15%   76-80
1.50%   81-85		Client
Agent		Apps
Contr
7FGA 7The Standard
A / (VitalSigns)		---2.25%----2.25%---2.25%---$100k+
---2.15%----2.15%---2.15%---$15k+		7 Years
8,7,6,5,4,3,2,0%		Yes
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent		Apps
Contr
7MYGuarantee 7Lincoln National
A+ / (VitalSigns)		---2.30%----2.30%---2.30%---$100k+
---2.15%----2.15%---2.15%---$10k++		7 Years
7,7,6,5,4,3,2,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent		Apps
Contr
7Palladium 7 MYGAmerican National
A / (VitalSigns)		---2.95%----1.95%---2.09%---$100k+
---2.85%----1.85%---1.99%---$5k+		7 Years
8,8,8,7,6,5,4% W 3,2,1,0%		Yes
Yes		2.50%   00-79
0.50%   80-85		Client
Agent		Apps
Contr
7Assured Choice 7VALIC
A / (VitalSigns)		---2.05%----2.05%---2.05%---$100k+
---1.95%----1.95%---1.95%---$50k++
---1.85%----1.85%---1.85%---$10k++		7 Years
7,7,7,6,5,4,3%		Yes
No		3.20%   00-75
1.60%   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
8MYGuarantee 8Lincoln National
A+ / (VitalSigns)		---2.35%----2.35%---2.35%---$100k+
---2.20%----2.20%---2.20%---$10k++		7 Years
7,7,6,5,4,3,2,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent		Apps
Contr
8Palladium 8 MYGAmerican National
A / (VitalSigns)		---2.40%----2.40%---2.40%---$100k+
---2.30%----2.30%---2.30%---$5k++		8 Years
8,8,8,7,6,5,4,3% W 2,1,0%		Yes
Yes		2.50%   00-79
0.50%   80-85		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
9MYGuarantee 9Lincoln National
A+ / (VitalSigns)		---2.45%----2.45%---2.45%---$100k+
---2.30%----2.30%---2.30%---$10k++		7 Years
7,7,6,5,4,3,2,0,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent		Apps
Contr
9Palladium 9 MYGAmerican National
A / (VitalSigns)		---4.15%----2.15%---2.37%---$100k+
---4.05%----2.05%---2.27%---$5k+		9 Years
8,8,8,7,6,5,4,3,2% W 1,0%		Yes
Yes		3.00%   00-79
1.00%   80-85		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
10Steady ChoiceRoyal Neighbors
A- / (VitalSigns)		---3.25%----3.00%---3.02%---$10010 Years
10,9,8,7,6,5,4,3,2,1%		No
No		5.00%   00-75
2.25%   Year 2+		Apps
Contr
10FGA 10The Standard
A / (VitalSigns)		---2.50%----2.50%---2.50%---$100k+
---2.40%----2.40%---2.40%---$15k+		10 Years
8,7,6,5,4,3,2,1,1,0%		Yes
No		4.00%   00-80Client
Agent		Apps
Contr
10MYGuarantee 10Lincoln National
A+ / (VitalSigns)		---2.45%----2.45%---2.45%---$100k+
---2.30%----2.30%---2.30%---$10k++		7 Years
7,7,6,5,4,3,2,0,0,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent		Apps
Contr
10Palladium 10 MYGAmerican National
A / (VitalSigns)		---3.25%----2.25%---2.35%---$100k+
---3.15%----2.15%---2.25%---$5k+		10 Years
8,8,8,7,6,5,4,3,2,1,0%		Yes
Yes		4.00%   00-79
2.00%   80-85		Client
Agent		Apps
Contr
10Guarantee Choice 10ING USA
A / (VitalSigns)		---3.25%----2.25%---2.35%---$75k+
---2.25%----2.25%---2.25%---$15k+		10 years
9,8,7,6,5,4,3,2,1,0%		Yes
No		3.25%   A0 - 80
2.00%   B 1stYr
0.25%   B Trail		Client
Agent		Apps
Contr



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