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Traditional 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
1SRA 1The Standard
A / (VitalSigns)
--2.10%---N/A--N/A---$100k+
--2.00%---N/A--N/A---$15k+
6 Years
7,7,7,6,5,3,0%		No
No		4.00%   00-80
2.00%   81-85
1.45%   86-90		Client
Agent		Apps
Contr
1QuintaflexING Reliastar
A / (VitalSigns)
--2.65%---N/A--N/A---TSA
--2.65%---N/A--N/A---IRA
--2.50%---N/A--N/A---Non-Qual
5 Years
5,5,5,5,5,0%		Yes
Yes		Apps
Contr
1 Citadel 5 DiamondAmerican National
A / (VitalSigns)
--2.10%---1.10%--N/A---$100K+
--2.00%---1.00%--N/A---$5K+
 5 Years
7,7,7,6,5, 0%		No
No		4.00%   0-80
3.00%   81-85		ClientApps
Contr
1ING Premier 3ING Reliastar
A / (VitalSigns)
--4.94%---N/A--N/A---$50k+
--4.86%---N/A--N/A---$25-50k
--1.45%---N/A--N/A---$5K+
6 Years
9,8,7,6,5,4,0%		No
No		4.50%   0-65
3.40%   66-70
2.95%   71-75
2.30%   76-80
ClientApps
Contr
1Premier 5ING Reliastar
A / (VitalSigns)
--5.22%---N/A--N/A---$50k+
--4.86%---N/A--N/A---$25k+
--1.45%---N/A--N/A---$5k+
6 Years
5, 4.75, 4.5, 4.25, 4, 3.75, 0%		No
No		2.00%   0-65
1.30%   66-70
0.70%   71-80		ClientApps
Contr
1Pro FlexVALIC
A / (VitalSigns)
--3.75%---1.50%--N/A---TSA
--3.65%---1.00%--N/A---IRA
--3.50%---1.00%--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
1Traditional ChoiceRoyal Neighbors
A- / (VitalSigns)
--2.50%---N/A--N/A---$7,500
6 Years
8.5%,7.5, 7,6,4,2,0		No
No		4.75%   00-75
2.45%   76-85		Apps
Contr
1AGA 7The Standard
A / (VitalSigns)
--3.50%--------$100k+
--3.40%--------$15k++
7 Years
7,6,5,4,3,2,1,0%		Yes
No		4.50%   00-80
2.25%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1SL Liberty
1 Year		Genworth
A / (VitalSigns)
--4.80%---1.55%--2.08%---$250k+
--4.05%---1.55%--1.96%---$100k+
--3.05%---1.55%--1.80%---$15k++
--1.55%---Bailout-----Yrs 2-6
6 Years
9,9,8,7,6,5,0%		Yes
No		3.00%   00-75
1.95%   76-80
1.05%   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
2Citadel 7 DiamondAmerican National
A / (VitalSigns)
--3.10%---1.10%--N/A--- $100K
--3.00%---1.00%--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
2Secure Living
Independence		Genworth
A / (VitalSigns)
--3.55%---2.05%--N/A---$100k+
--3.05%---2.05%--N/A---$50k++
--2.55%---2.05%--N/A---$15k++
6 years
9,9,8,7,6,5,0%		No
No		2.25%   00-75
1.31%   76-80
0.94%   81-85		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
3SL Liberty
3 Year		Genworth
A / (VitalSigns)
--2.95%---2.95%--2.25%---$250k
--2.75%---2.75%--2.15%---$100k+
--2.15%---2.15%--1.85%---$15k++
--1.55%---Bailout-----Yrs 4-6
 6 Years
9,9,8,7,6,5,0%		No
No		3.00%   00-75
1.95%   76-80
1.05%   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
5SL Liberty
5 Year		Genworth
A / (VitalSigns)
--2.50%---2.50%--2.35%---$250k+
--2.35%---2.35%--2.22%---$100k+
--1.95%---1.95%--1.88%---$15k++
--1.55%--- Bailout-----Yr 6
6 Years
9,9,8,7,6,5,0%		No
No		3.00%   00-75
1.95%   76-80
1.05%   81-85		Client
Agent		Apps
Contr



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