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Hot
Index Annuities
Term
Product
Name
Company
AM Best
Credit
Method
Index
Used
Part
Rate
Cap
Bonus
Prem
Band
Surrender
Charge
Inc Rider
Cost
MVA
W
indow
Commissions
Sales
Lit
Notes
5
ISA 5
The Standard
A /
(VitalSigns)
Annual Reset
-
S&P
---
100%
---
4.25%
---
No
---
$100k+
-
S&P
---
100%
---
4.00%
---
No
---
$15k+
5 Years
7,6,5,4,2,0%
No
N/A
Yes
No
3.00% 00-80
1.50% 81-85
1.35% 86-90
Client
Agent
Term
Product
Name
Company
AM Best
Credit
Method
Index
Used
Part
Rate
Cap
Bonus
Prem
Band
Surrender
Charge
Inc Rider
Cost
MVA
W
indow
Commissions
Sales
Lit
Notes
7
ISA 7
The Standard
A /
(VitalSigns)
Annual Reset
-
S&P
---
100%
---
4.75%
---
No
---
$100k+
-
S&P
---
100%
---
4.40%
---
No
---
$15k+
7 Years
7,6,5,4,3,2,1,0%
No
N/A
Yes
No
4.00% 00-80
2.00% 81-85
1.45% 86-90
Client
Agent
Term
Product
Name
Company
AM Best
Credit
Method
Index
Used
Part
Rate
Cap
Bonus
Prem
Band
Surrender
Charge
Inc Rider
Cost
MVA
W
indow
Commissions
Sales
Lit
Notes
10
Secure Living Index 10 Plus
Genworth
A /
(VitalSigns)
Annual Reset
-
S&P
---
100%
---
3.20%
---
5.00%
---
$250k+
-
S&P
---
100%
---
3.00%
---
5.00%
---
$100k+
-
S&P
---
100%
---
2.50%
---
5.00%
---
$25k+
10 Years
9,9,8,7,6,5,4,3,2,1,0%
Yes
Yes
No
7.00% 00-75
5.00% 76-80
Client
Agent
Hot
Fixed Rate Annuities
Term
Product
Name
Company
AM Best
Interest Rates
Year 1
--
Base
Avg.
Yield
Premium
Band
Surrender
Charges
MVA
W
indow
Commissions
Sales
Lit
Notes
5
FGA 5
The Standard
A /
(VitalSigns)
---
2.10%
----
2.10%
---
2.10%
---
$100k+
---
2.00%
----
2.00%
---
2.00%
---
$15k+
5 Years
8,7,6,5,4,0%
Yes
No
3.00% 00-80
1.50% 81-85
1.35% 86-90
Client
Agent
Term
Product
Name
Company
AM Best
Interest Rates
Year 1
--
Base
Avg.
Yield
Premium
Band
Surrender
Charges
MVA
W
indow
Commissions
Sales
Lit
Notes
6
FGA 6
The Standard
A /
(VitalSigns)
---
2.50%
----
2.50%
---
2.50%
---
$100k+
---
2.40%
----
2.40%
---
2.40%
---
$15k+
6 Years
8,7,6,5,4,3,0%
Yes
No
2.00% 00-80
1.00% 81-85
0.77% 86-90
Client
Agent
6
Horizon Achiever
American General
A /
(VitalSigns)
---
2.15%
----
2.15%
---
2.15%
---
$5,000
6 Year
10,9,8,7,6,5
W
,4,3,2,1,0%
Yes
Yes
3.00% 00-80
2.00% 81-85
Client
Agent
Term
Product
Name
Company
AM Best
Interest Rates
Year 1
--
Base
Avg.
Yield
Premium
Band
Surrender
Charges
MVA
W
indow
Commissions
Sales
Lit
Notes
7
FGA 7
The Standard
A /
(VitalSigns)
---
2.60%
----
2.60%
---
2.60%
---
$100k+
---
2.50%
----
2.50%
---
2.50%
---
$15k+
7 Years
8,7,6,5,4,3,2,0%
Yes
No
2.50% 00-80
1.25% 81-85
1.125% 86-90
Client
Agent
Term
Product
Name
Company
AM Best
Interest Rates
Year 1
--
Base
Avg.
Yield
Premium
Band
Surrender
Charges
MVA
W
indow
Commissions
Sales
Lit
Notes
10
Steady Choice
Royal Neighbors
A- /
(VitalSigns)
---
3.00
----
---
3.00%
---
$0
10 Years
10,9,8,7,6,5,4,3,2,1%
No
No
5.00% 00-75
2.25% Year 2+
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