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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!
Immediate Annuities Printable Version  
Carrier American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
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
$1,000,000 $2,500,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
$15,000 $5,000 $25,000 $15,000 $20,000 $5,000 $15,000 $15,000
Agent Agent Agent Agent Agent Agent Agent Agent
Client Client Client Client Client Client Client Client
Options and Riders
  American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
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 No Yes Yes Yes Yes Yes
No No No No No No No No
No Yes No Yes No Yes Yes Yes
No Yes No No No No No No
5-20 Years 5-50 Years 5-20 Years 0-00 Years 5-20 Years 5-30 5-40 Years 4-30 Years
1 Year 1 Month 1 Year 0-00 Years 1 Month 1 Year 1 Month 1 Month
Yes Yes Yes Yes Yes Yes Yes Yes
Yes Yes Yes Yes No Yes Yes Yes
No Yes 12 Mos No No No Yes 12 mos No No
No Yes No No Yes Yes Yes Yes
NY MS CA CT MN NV OR UT WA NY MT NY 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 AGE American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
Payouts Last Updated 03/06/2009 02/24/2009 3/26/2009 03/26/2009 03/26/2009 02/24/2009 4/22/09 03/06/2009
LIFE ONLY MALE 60
LIFE ONLY MALE 65
LIFE ONLY MALE 70
LIFE ONLY MALE 75
LIFE ONLY MALE 80
LIFE ONLY MALE 85
$626 $627 $633 $593 $0 $617 $634 $581
$692 $689 $706 $664 $0 $683 $703 $645
$785 $782 $792 $762 $0 $766 $799 $733
$916 $923 $922 $896 $0 $878 $932 $836
$1063 $1128 $1109 $1085 $0 $1051 $1089 $997
$1325 $1406 $1340 $0 $0 $1330 $1317 $1171
Life Only Female AGE American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
LIFE ONLY FEMALE 60
LIFE ONLY FEMALE 65
LIFE ONLY FEMALE 70
LIFE ONLY FEMALE 75
LIFE ONLY FEMALE 80
LIFE ONLY FEMALE 85
$590 $596 $592 $552 $0 $578 $600 $553
$642 $645 $651 $610 $0 $631 $656 $607
$719 $718 $719 $691 $0 $700 $736 $683
$835 $833 $833 $810 $0 $792 $856 $778
$969 $1011 $1010 $988 $0 $935 $1009 $935
$1237 $1286 $1246 $0 $0 $1189 $1246 $1116
Joint & 100% Survivor AGE American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
JOINT SURVIVOR 60
JOINT SURVIVOR 65
JOINT SURVIVOR 70
JOINT SURVIVOR 75
JOINT SURVIVOR 80
JOINT SURVIVOR 85
$533 $549 $539 $502 $0 $524 $548 $497
$567 $583 $582 $545 $0 $561 $567 $534
$616 $635 $626 $605 $0 $611 $585 $587
$689 $717 $702 $688 $0 $681 $600 $647
$764 $844 $81 $807 $0 $791 $611 $752
$938 $1034 $961 $0 $0 $972 $620 $861
Period Certain YEARS American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
PERIOD 5 YEARS
PERIOD 10 YEARS
PERIOD 15 YEARS
PERIOD 20 YEARS
PERIOD 25 YEARS
PERIOD 30 YEARS
$1759 $1770 $1808 $0 $0 $1719 $1740 $1704
$984 $1014 $1028 $0 $0 $1007 $1011 $961
$751 $764 $774 $0 $0 $766 $775 $737
$656 $645 $661 $0 $0 $639 $664 $626
$595 $578 $0 $0 $0 $564 $594 $554
$554 $535 $0 $0 $0 $520 $549 $509
Commission Schedules and Issue Ages
Duration American
National		 Genworth North
American		 ING USA Lincoln
National		 Lincoln
Benefit		 The
Standard		 West Coast
Life
5 Year Certain Only
61-119 Month Certain Only
10+ Year Certain Only

Life Contigencies
1.50%   00-90 3.00%   00-95 2.00%   0-100 3.00%   00-80 3.00%   00-95 3.00%   00-90 3.00%   00-90 3.00%   00-90
1.50%   00-90 3.00%   00-90 2.00%   0-100 3.00%   00-80 3.00%   00-95 3.00%   00-90 3.00%   00-90 3.00%   00-90
3.00%   00-84
1.50%   85-90		 3.00%   00-90 2.00%   0-100 3.00%   00-80 3.00%   00-95 3.00%   00-90 3.00%   00-90 3.00%   00-90
3.00%   00-84
1.50%   85-90		 1.125%   00-95 2.00%   0-85 3.00%   35-80 3.00%   00-95 3.00%   00-90 3.00%   00-90 3.00%   00-90

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