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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!
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
3 Palladium 3 MYGAmerican National
A / (VitalSigns)		---2.10%----2.10%---2.10%---$100K+
---2.00%----2.00%---2.00%---$5,000		3 years
8,8,8% W 7,6,5,4,3,2,1,0%		Yes
Yes		1.50%   00-79
0.50%   80-85		Client
Agent		Apps
Contr
3MYGuarantee 3Lincoln National
A+ / (VitalSigns)		---1.80%----1.80%---1.80%---$100k+
---1.65%----1.65%---1.65%---$10k++		3 Years
7,7,6,0%		Yes
No		1.00%   00-75
0.65%   76-80
0.50%   81-85		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
4MYGuarantee 4Lincoln National
A+ / (VitalSigns)		---2.45%----2.45%---2.45%---$100k+
---2.30%----2.30%---2.30%---$10k++		4 Years
7,7,6,5,0%		Yes
No		1.00%   00-75
0.65%   76-80
0.50%   81-85		Client
Agent		Apps
Contr
4Palladium 4 MYGAmerican National
A / (VitalSigns)		---2.25%----2.25%---2.25%---$100k+
---2.15%----2.15%---2.15%---$5k+		4 Years
8,8,8,7% W 6,5,4,3,2,1,0%		Yes
Yes		2.00%   00-79
1.00%   80-85		Client
Agent		Apps
Contr
4Momentum Adv 4Integrity
A++ / (VitalSigns)		---2.75%----2.00%---2.18%---$20k++ 4 Years
8,8,7,7,0%		Yes
No		2.00%   00-79
0.50%   80-86		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
5Neighbors ChoiceRoyal Neighbors
A- / (VitalSigns)		---3.50%----3.50%---3.50%---$10k+5 years
8.5,7.5,7,6,4,0%		No
No		1.75%   18-75
1.45%   76-85		Client
Agent		Apps
Contr
5MYGuarantee 5Lincoln National
A+ / (VitalSigns)		---3.15%----3.15%---3.15%---$100k+
---3.00%----3.00%---3.00%---$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
5FGA 5The Standard
A / (VitalSigns)		---3.10%----3.10%---3.10%---$100k+
---3.00%----3.00%---3.00%---$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
5Palladium 5 MYGAmerican National
A / (VitalSigns)		---3.60%----2.60%---2.80%---$100k+
---3.50%----2.50%---2.70%---$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
5 Classic 5Lincoln National
A+ / (VitalSigns)		---4.30%----2.30%---2.70%---$100k+
---3.30%----2.30%---2.50%---$10k++		5 Years
9,8,7,6,5,0%		Yes
No		4.00%   00-75
2.75%   76-80
1.50%   81-85		Client
Agent		Apps
Contr
5Momentum
Advantage 5		Integrity
A++ / (VitalSigns)		---3.20%----2.45%---2.60%---$20k++5 Years
8,8,7,7,6,0%		Yes
No		2.50%   00-79
0.50%   80-86		Apps
Contr
5Freedom Series 5Liberty Life
A / (VitalSigns)		---4.95%----1.95%---2.55%---$100k+
---4.80%----1.80%---2.40%---$10k++
---4.55%----1.55%---2.15%---$5,000		5 Years
7,7,7,6,5,0%		No
No		3.50%   00-80
1.50%   81-85		Client
Agent		Apps
Contr
5SRA 5The Standard
A / (VitalSigns)		---2.35%----2.35%---2.35%---$100k+
---2.25%----2.25%---2.25%---$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
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Forms Notes
6Crown ChoiceRoyal Neighbors
A- / (VitalSigns)		---3.50%----3.50%---3.50%---$100k+
---3.40%----3.40%---3.40%---$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)		---3.40%----3.40%---3.40%---$100k+
---3.30%----3.30%---3.30%---$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
6Palladium 6 MYGAmerican National
A / (VitalSigns)		---3.35%----3.35%---3.35%---$100k+
---3.25%----3.25%---3.25%---$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
6MYGuarantee 6Lincoln National
A+ / (VitalSigns)		---3.30%----3.30%---3.30%---$100k+
---3.15%----3.15%---3.15%---$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
6New Directions 6
Fixed Acct		Lincoln National
A+ / (VitalSigns)		---3.10%----3.10%---3.10%---$100k+
---2.90%----2.90%---2.90%---$10k++		6 Years
9,8,7,6,5,4,0%		Yes
No		3.50%   00-75
2.75%   76-80
1.75%   81-85		Client
Agent		Apps
Contr
6SRA 6The Standard
A / (VitalSigns)		---2.45%----2.45%---2.45%---$100k+
---2.35%----2.35%---2.35%---$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
7Assured Choice 7VALIC
A / (VitalSigns)		---3.75%----3.75%---3.75%---$100k+
---3.65%----3.65%---3.65%---$50k++
---3.55%----3.55%---3.55%---$10k++		7 Years
7,7,7,6,5,4,3%		Yes
No		3.20%   00-75
1.60%   76-85		Client
Agent		Apps
Contr
7Palladium 7 MYGAmerican National
A / (VitalSigns)		---4.45%----3.45%---3.59%---$100k+
---4.35%----3.35%---3.49%---$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
7MYGuarantee 7Lincoln National
A+ / (VitalSigns)		---3.50%----3.50%---3.50%---$100k+
---3.35%----3.35%---3.35%---$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
7Momentum
Advantage 7		Integrity
A++ / (VitalSigns)		---4.05%----3.30%---3.40%---$20k++7 Years
8,8,7,7,6,6,5,0%		Yes
No		3.00%   00-79
1.00%   80-85		Apps
Contr
7 Classic 7Lincoln National
A+ / (VitalSigns)		---5.75%----2.75%---3.17%---$100k+
---4.75%----2.75%---3.03%---$10k++		7 Years
9,8,7,6,5,4,3,0%		Yes
No		5.00%   00-75
3.50%   76-80
1.75%   81-85		Client
Agent		Apps
Contr
7Guarantee Choice 7ING USA
A / (VitalSigns)		---3.75%----2.75%---2.89%---$75K+
---2.75%----2.75%---2.75%---$15K+		7 years
9,8,7,6,5,4,3% W 2,1,0%		Yes
Yes		2.50%   A0 - 80
1.50%   B 1stYr
0.25%   B Trail		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
8Palladium 8 MYGAmerican National
A / (VitalSigns)		---3.80%----3.80%---3.80%---$100k+
---3.70%----3.70%---3.70%---$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
8MYGuarantee 8Lincoln National
A+ / (VitalSigns)		---3.55%----3.55%---3.55%---$100k+
---3.40%----3.40%---3.40%---$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
8New Directions 8
Fixed Acct		Lincoln National
A+ / (VitalSigns)		---3.35%----3.35%---3.35%---$100k+
---3.20%----3.20%---3.20%---$10k++		8 Years
9,8,7,6,5,4,2,1,0%		Yes
No		4.50%   00-75
3.50%   76-80
2.25%   81-85		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)		---3.60%----3.60%---3.60%---$100k+
---3.45%----3.45%---3.45%---$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)		---5.30%----3.30%---3.52%---$100k+
---5.20%----3.20%---3.42%---$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
10Guarantee Choice 10ING USA
A / (VitalSigns)		---4.70%----3.70%---3.80%---$75k+
---3.70%----3.70%---3.70%---$15k+		10 years
9,8,7,6,5,4,3,2,1,0%		Yes
Yes		3.25%   A0 - 80
2.00%   B 1stYr
0.25%   B Trail		Client
Agent		Apps
Contr
10Palladium 10 MYGAmerican National
A / (VitalSigns)		---4.65%----3.65%---3.75%---$100k+
---4.55%----3.55%---3.65%---$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
10 Momentum Adv. 10Integrity
A++ / (VitalSigns)		---4.35%----3.60%---3.67%---$20k+ 10 Years
8,8,7,7,6,6,5,5,4,4,0%		No
No		 3.50%   0-79
1.50%   80-83		Apps
Contr
10MYGuarantee 10Lincoln National
A+ / (VitalSigns)		---3.65%----3.65%---3.65%---$100k+
---3.50%----3.50%---3.50%---$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


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