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| * Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates! |
| AM Best Rating |
| VitalSigns Financials |
| Maximum Premium |
| Minimum Premium |
| Agent Sales Literature |
| Client Sales Literature |
|
A |
A |
A |
A+ |
A+ |
A+ | A | A+ |
| VitalSigns |
VitalSigns |
VitalSigns |
VitalSigns |
VitalSigns |
VitalSigns | VitalSigns | VitalSigns |
| 0 |
$1,000,000 |
$2,500,000 |
0 |
$1,000,000 |
0 | $1,000,000 | $1,000,000 |
| 0 |
$15,000 |
$5,000 |
0 |
$20,000 |
0 | $15,000 | $15,000 |
|
Agent |
Agent |
|
Agent |
|
Agent |
Agent |
|
Client |
Client |
|
Client |
|
Client |
Client |
|
|
|
|
|
|
| | |
| Annual Increase Feature |
| Inflation Indexed Payout |
| Commutation Feature Avail |
| Impaired Risk SPIA Available |
| Period Certain Years |
| Certain Duration Increments |
| Life w/Installment Refund |
| Life w/Cash Refund |
| Advance Income |
SPDA Annuitization Payouts
at Current Rates |
State Approvals:
Not Available in |
|
Yes |
Yes |
Yes |
Yes |
Yes |
Yes | Yes | Yes |
| Yes |
No |
No |
Yes |
No |
Yes | No | No |
| Yes |
No |
Yes |
Yes |
No |
Yes | Yes | Yes |
| Yes |
Yes |
Yes |
Yes |
Yes |
Yes | Yes | Yes |
| 0 |
5-20 Years |
5-50 Years |
0 |
5-20 Years |
0 | 5-40 Years | 4-30 Years |
| 0 |
1 Year |
1 Month |
0 |
1 Month |
0 | 1 Month | 1 Month |
| Yes |
Yes |
Yes |
Yes |
Yes |
Yes | Yes | Yes |
| Yes |
Yes |
Yes |
Yes |
No |
Yes | No | Yes |
| 0 |
No |
Yes 12 Mos |
0 |
No |
0 | No | No |
| Yes |
No |
Yes |
Yes |
Yes |
Yes | Yes | Yes |
|
NY |
MS |
|
MT NY |
| NY OR PA TX | NY |
| Sample Payouts for Each Carrier |
| Monthly payments based on $100,000 non-qualified deposit in a non-premium tax state. Payments are proportional to a $100,000 deposit (so for $50,000 deposit, divide payment by 2). Factors shown are used for estimates only. Because the annuity factors are subject to change by the companies daily...PLEASE CALL FOR ACTUAL QUOTES. |
| LIFE ONLY MALE 60 |
| LIFE ONLY MALE 65 |
| LIFE ONLY MALE 70 |
| LIFE ONLY MALE 75 |
| LIFE ONLY MALE 80 |
| LIFE ONLY MALE 85 |
|
$0 |
$550 |
$540 |
$0 |
$559 |
$0 | $519 | $550 |
| $0 |
$620 |
$597 |
$0 |
$618 |
$0 | $568 | $614 |
| $0 |
$703 |
$678 |
$0 |
$703 |
$0 | $631 | $702 |
| $0 |
$824 |
$791 |
$0 |
$824 |
$0 | $714 | $792 |
| $0 |
$935 |
$940 |
$0 |
$999 |
$0 | $821 | $953 |
| $0 |
$1213 |
$1116 |
$0 |
$0 |
$0 | $959 | $1126 |
| LIFE ONLY FEMALE 60 |
| LIFE ONLY FEMALE 65 |
| LIFE ONLY FEMALE 70 |
| LIFE ONLY FEMALE 75 |
| LIFE ONLY FEMALE 80 |
| LIFE ONLY FEMALE 85 |
|
$0 |
$515 |
$519 |
$0 |
$531 |
$0 | $496 | $522 |
| $0 |
$569 |
$566 |
$0 |
$578 |
$0 | $539 | $577 |
| $0 |
$641 |
$635 |
$0 |
$649 |
$0 | $596 | $653 |
| $0 |
$749 |
$738 |
$0 |
$759 |
$0 | $675 | $736 |
| $0 |
$852 |
$885 |
$0 |
$927 |
$0 | $782 | $892 |
| $0 |
$1132 |
$1078 |
$0 |
$0 |
$0 | $926 | $1073 |
| JOINT SURVIVOR 60 |
| JOINT SURVIVOR 65 |
| JOINT SURVIVOR 70 |
| JOINT SURVIVOR 75 |
| JOINT SURVIVOR 80 |
| JOINT SURVIVOR 85 |
|
$0 |
$0 |
$462 |
$0 |
$485 |
$0 | $459 | $472 |
| $0 |
$0 |
$489 |
$0 |
$516 |
$0 | $490 | $512 |
| $0 |
$0 |
$529 |
$0 |
$564 |
$0 | $532 | $568 |
| $0 |
$0 |
$590 |
$0 |
$637 |
$0 | $587 | $619 |
| $0 |
$0 |
$681 |
$0 |
$746 |
$0 | $659 | $727 |
| $0 |
$0 |
$813 |
$0 |
$0 |
$0 | $753 | $835 |
| PERIOD 5 YEARS |
| PERIOD 10 YEARS |
| PERIOD 15 YEARS |
| PERIOD 20 YEARS |
| PERIOD 25 YEARS |
| PERIOD 30 YEARS |
|
$0 |
$1669 |
$1676 |
$0 |
$1655 |
$0 | $1691 | $0 |
| $0 |
$921 |
$944 |
$0 |
$916 |
$0 | $956 | $928 |
| $0 |
$691 |
$707 |
$0 |
$687 |
$0 | $721 | $701 |
| $0 |
$581 |
$584 |
$0 |
$576 |
$0 | $616 | $599 |
| $0 |
$526 |
$516 |
$0 |
$0 |
$0 | $549 | $526 |
| $0 |
$476 |
$478 |
$0 |
$0 |
$0 | $510 | $480 |
| Commission Schedules and Issue Ages |
| 5 Year Certain Only |
| 61-119 Month Certain Only |
| 10+ Year Certain Only |
Life Contigencies |
|
|
1 1
1 1 |
1.50% 00-90 |
3.00% 00-95 |
1 1 |
3.00% 00-95 |
1 1 |
3.00% 00-90 |
3.00% 00-90 |
1 1
1 1 |
1.50% 00-90 |
3.00% 00-90 |
1 1 |
3.00% 00-95 |
1 1 |
3.00% 00-90 |
3.00% 00-90 |
1 1
1 1 |
3.00% 00-84
1.50% 85-90 |
3.00% 00-90 |
1 1 |
3.00% 00-95 |
1 1 |
3.00% 00-90 |
3.00% 00-90 |
1 1
1 1 |
3.00% 00-84
1.50% 85-90 |
1.125% 00-95 |
1 1 |
3.00% 00-95 |
1 1 |
3.00% 00-90 |
3.00% 00-90 |
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Printable Version
