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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)		---3.00%----N/A---N/A---$100k+
---2.90%----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)		---4.55%----N/A---N/A---TSA
---4.55%----N/A---N/A---IRA
---3.80%----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)		---3.35%----N/A---N/A---$100K+
---3.25%----N/A---N/A---$5K+		 5 Years
7,7,7,6,5, 0%		No
No		4.00%   0-80
3.00%   81-85		ClientApps
Contr
1PGA 5The Standard
A / (VitalSigns)		---2.50%----N/A---N/A---$100k+
---2.40%----N/A---N/A---$5k+		5 Years
8,7,6,5,4,2,0%		No
No		5.00%   00-80
2.50%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1ING Premier 3ING Reliastar
A / (VitalSigns)		---6.10----N/A---N/A---$50k+
---5.58%----N/A---N/A---$25-50k
---3.00%----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
1PGA 7The Standard
A / (VitalSigns)		---2.95%----N/A---N/A---$100k+
---2.85%----N/A---N/A---$5k+		7 Years
9,8,7,6,5,4,2,0%		No
No		5.00%   00-80
2.50%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1PGA 9The Standard
A / (VitalSigns)		---3.10%----N/A---N/A---$100k+
---3.00%----N/A---N/A---$5k+		9 Years
9,8,7,6,5,4,3,2,1,0%		No
No		5.00%   00-80
2.50%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1Premier 5ING Reliastar
A / (VitalSigns)		---8.15%----N/A---N/A---$50k+
---5.58%----N/A---N/A---$25k+
---3.00----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
1FRA 7The Standard
A / (VitalSigns)		---3.85%----N/A---N/A---$100k+
---3.75%----N/A---N/A---$15k+		7 Years
9,8,7,6,5,4,2,0%		No
No		4.50%   00-80
2.25%   81-85
1.75%   86-90		Client
Agent		Apps
Contr
1Pro FlexVALIC
A / (VitalSigns)		---2.75%----2.25%---N/A---TSA
---2.65%----2.00%---N/A---IRA
---2.50%----2.00%---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
1Royal ChoiceRoyal Neighbors
A- / (VitalSigns)		---3.00%----N/A---N/A--- $7,5006 Years
8.5%, 7.5, 7,6,5,4,2,0		No
No		 4.75%   0-75
2.45%   76-85		Apps
Contr
1Smart Rate 1Genworth
A / (VitalSigns)		---4.00%----N/A---N/A---$100k+
---3.50%----N/A---N/A---$50k++
---3.00%----N/A---N/A---$5,000		7 Years
7,7,7,6,5,4,3,0%		No
No		4.50%   00-75
2.70%   76-80
1.50%   81-85		Apps
Contr
1SL Liberty
1 Year		Genworth
A / (VitalSigns)		---5.05%----2.15%---2.63%---$250k+
---4.55%----2.15%---2.55%---$100k+
---4.05%----2.15%---2.46%---$5,000
---2.15%----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)		---4.40%----2.40%---N/A--- $100K
---4.30%----2.30%---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)		---4.00%----2.50%---N/A---$100K+
---3.50%----2.50%---N/A--- $50K+
---3.00%----2.50%---N/A---$5K+		6 years
9,9,8,7,6,5,0%		No
No		4.00%   0-75
1.95%   76-80
1.05%   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
3Smart Rate 3Genworth
A / (VitalSigns)		---2.70%----2.70%---N/A---$100k
---2.60%----2.60%---N/A---$50k
---2.50%----2.50%---N/A--- $5k		7 Years
7,7,7,6,5,4,3,0%		Yes
No		4.50%   00-75
2.70%   76-80
1.50%   81-85		Apps
Contr
3SL Liberty
3 Year		Genworth
A / (VitalSigns)		---3.30%----2.15%---2.72%---$250k
---3.20%----2.15%---2.67%---$100k+
---3.05%----2.15%---2.60%---$5,000
---2.15%----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
5Smart Rate 5Genworth
A / (VitalSigns)		---2.50%----2.50%---N/A---$100k
---2.40%----2.40%---N/A---$50k
---2.30%----2.30%---N/A---$5k		7 Years
7,7,7,6,5,4,3,0%		Yes
No		 4.50%   0-75
2.70%   76-80
1.50%   81-85		Apps
Contr
5SL Liberty
5 Year		Genworth
A / (VitalSigns)		---3.05%----2.15%---2.90%---$250k
---3.05%----2.15%---2.82%---$100k
---2.80%----2.15%---2.69%---$5k
---2.15%---- 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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