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* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Traditional Annuities
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)
---2.60%----N/A---N/A---$100k+
---2.50%----N/A---N/A---$15k+
6 Years
7,7,7,6,5,3,0%
No
No
2.00%   00-80
1.00%   81-85
0.77%   86-90
Client
Agent
Apps
Contr
1QuintaflexING Reliastar
A / (VitalSigns)
---2.60%----N/A---N/A---TSA
---2.60%----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
1Citadel 5 DiamondAmerican National
A / (VitalSigns)
---2.20%----1.20%---N/A---$100K+
---2.10%----1.10%---N/A---$5K+
5 Years
7,7,7,6,5, 0%
No
No
3.00%   0-80
2.00%   81-85
ClientApps
Contr
1PGA 5The Standard
A / (VitalSigns)
---2.35%----N/A---N/A---$100k+
---2.25%----N/A---N/A---$5k+
5 Years
8,7,6,5,4,2,0%
No
No
2.00%   00-80
1.00%   81-85
0.77%   86-90
Client
Agent
Apps
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
1PGA 7The Standard
A / (VitalSigns)
---2.50%----N/A---N/A---$100k+
---2.40%----N/A---N/A---$5k+
7 Years
9,8,7,6,5,4,2,0%
No
No
3.00%   00-80
1.50%   81-85
1.35%   86-90
Client
Agent
Apps
Contr
1PGA 9The Standard
A / (VitalSigns)
---2.35%----N/A---N/A---$100k+
---2.25%----N/A---N/A---$5k+
9 Years
9,8,7,6,5,4,3,2,1,0%
No
No
3.00%   00-80
1.50%   81-85
1.35%   86-90
Client
Agent
Apps
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
1FRA 7The Standard
A / (VitalSigns)
---3.95%----N/A---N/A---$100k+
---3.85%----N/A---N/A---$15k+
7 Years
9,8,7,6,5,4,2,0%
No
No
1.00%   00-80
0.50%   81-85
0.40%   86-90
Client
Agent
Apps
Contr
1Pro FlexVALIC
A / (VitalSigns)
---3.50%----1.00%---N/A---TSA
---3.00%----1.00%---N/A---IRA
---3.00%----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
1AGA 5The Standard
A / (VitalSigns)
---3.75%----N/A---N/A---$100k+
---3.65%----N/A---N/A---$15k++
5 Years
7,6,5,4,2,0%
Yes
No
3.00%   00-80
1.50%   81-85
1.35%   86-90
Client
Agent
Apps
Contr
1AGA 7The Standard
A / (VitalSigns)
---3.90%----N/A---N/A---$100k+
---3.80%----N/A---N/A---$15k++
7 Years
7,6,5,4,3,2,1,0%
Yes
No
3.00%   00-80
1.50%   81-85
1.35%   86-90
Client
Agent
Apps
Contr
1SL Liberty
1 Year
Genworth
A / (VitalSigns)
---4.70%----1.35%---1.90%---$250k+
---3.95%----1.35%---1.78%---$100k+
---2.95%----1.35%---1.61%---$15k++
-------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)
---3.35%----1.35%---N/A--- $100K
---3.25%----1.25%---N/A---$5K
7 Years
7,7,7,6,5,4,2,0%
No
No
3.50%   0-80
2.50%   81-85
ClientApps
Contr
2Secure Living
Independence
Genworth
A / (VitalSigns)
---3.65%----2.15%---N/A---$100k+
---3.15%----2.15%---N/A---$50k++
---2.65%----2.15%---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)
---2.75%----2.75%---2.00%---$250k
---2.55%----2.55%---1.90%---$100k+
---1.95%----1.95%---1.60%---$15k++
---1.25%----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)
---2.15%----2.15%---1.97%---$250k+
---2.00%----2.00%---1.85%---$100k+
---1.60%----1.60%---1.52%---$15k++
---1.10%----------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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