|
Company |
Plan &
Term |
Account Options |
Min. Policy Guarantee |
Free Withdrawls |
Commission |
Standard Insurance
forms
Agent Guide
|
IGA 5
5
Years
Single Premium
|
Fixed Account 1.70%
Annual P2P Cap <$100k 2.00%
Annual P2P Cap 100k+ 2.50%
|
1.00%
on
100%
(106%) |
10% Starting in 1st Year
|
4.00% 0-80
2.25% 81-85
1.85% 86-90 |
Lincoln National
forms
Agent Guide
|
OptiChoice 5
5
Years
|
Fixed Account 1.00%
Fixed Account ($100k+) 1.15%
Mo P2P Cap <$100k 1.35%
Mo P2P Cap ($100k+) 1.45%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
S&P level or + (<$100k) 2.50%
S&P level or + (>100k) 2.50%
|
1.00%
on
100%
(105.1%) |
10% Starting in 1st Year
|
5.00% 0-75
3.75% 76-80
2.50% 81-85 |
ING-USA
forms
Agent Guide
|
Secure Index 5
5
Years
|
$75k Minimum Premium
Fixed Account 1.50%
Annual P2P Cap $75k+ 3.00%
Benchmark Multiplier $75k 3.50
Monthly P2P Cap $75k+ 1.40%
|
1.00%
on
87.50%
(91.9%) |
10% after 1st year
|
3.50% 0-80 |
Lincoln National
forms
Agent Guide
|
New Directions
6
Years
|
6-yr Fixed (<100k): 1.55%
6-yr Fixed (>100k): 1.70%
S&P level or + (<$100k) 2.70%
S&P level or + (>100k) 3.00%
2-yr P2P Cap (<100k): 7.00%
2-yr P2P Cap (>100k): 7.00%
|
1.00%
on
100%
(106.1%) |
10% Starting in 1st Year
|
3.50% 0-75
2.75% 76-80
1.75% 81-85 |
American National
forms
Agent Guide
|
ANICO EIA
6
Years
Single Premium
|
If S&P is positive 3.00%
|
3.00%
on
90.00%
(107.4) |
10% after 1st year
|
0-79 5.00%
80-85 3.00% |
ING-USA
forms
Agent Guide
|
Envoy 6
6
Years
|
Product Temporarily Suspended
Fixed Account 1.80%
Annual P2P Cap <$75k 2.50%
Annual P2P Cap $75k+ 3.50%
|
1.00%
on
87.50%
(92.8%) |
10% Starting in 1st Year
|
4.25% 0-80
0.15% trail |
American General
forms
Agent Guide
|
Vision Advantage
7
Years
Single Premium
|
Fixed Account 1.30%
Annual P2P Cap 3.50% (or 3.75% with 80% participation)
Ann P2P (no cap) Participation 30%
Mo Avg Spread 8.00%
|
2.00%
on
90.00%
(103.3%) |
10% Starting in 1st Year
|
6.00% 0-75
5.00% 76-85 |
Standard Insurance
forms
Agent Guide
|
IGA 7
7
Years
Single Premium
|
Fixed Account 1.70%
Annual P2P Cap <$100k 2.05%
Annual P2P Cap 100k+ 2.70%
|
1.00%
on
100%
(109%) |
10% Starting in 1st Year
|
5.00% 0-80
2.75% 81-85
2.25% 86-90 |
Great American
forms
Agent Guide
|
American Legend 2
7
Years
|
Fixed Account 1.80%
Annual P2P Cap 4.00%
Monthly S&P P2P Cap 2.00%
P2P Monthly Avg Cap 4.25%
|
1.00%
on
100%
(107.2%) |
10% Starting in 1st Year
|
5.50% 0-75
5.10% 76-80
3.50% 81-85 |
Lincoln National
forms
Agent Guide
|
OptiChoice 7
7
Years
|
Fixed Account 1.05%
Fixed Account ($100k+) 1.20%
Mo P2P Cap <$100k 1.40%
Mo P2P Cap ($100k+) 1.50%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
S&P level or + (<$100k) 2.50%
S&P level or + (>100k) 2.50%
|
1.00%
on
100%
(107.2%) |
10% Starting in 1st Year
|
6.00% 0-75
4.50% 76-80
3.00% 81-85 |
American National
forms
Agent Guide
|
Strategy Index 7
7
Years
Single Premium
|
Fixed Account 1.00%
Annual P2P Cap 3.00%
Life Income & Death Benefit Rider
|
1.75%
on
90.00%
(101.2%) |
10% after 1st year
|
5.00% 0-75
4.00% 76-80
3.00% 81-85 |
ING-USA
forms
Agent Guide
|
Secure Index 7
7
Years
|
Fixed Account 1.50%
Annual P2P Cap <$75k 3.25%
Annual P2P Cap $75k+ 4.25%
Benchmark Multiplier 4.00
Benchmark Multiplier $75k 5.50
Monthly P2P Cap <$75k 1.50%
Monthly P2P Cap $75k+ 1.90%
|
1.00%
on
87.50%
(93.8%) |
10% after 1st year
|
5.00% 0-80 |
Lincoln National
forms
Agent Guide
|
New Directions
8
Years
|
8-yr Fixed (<100k): 1.80%
8-yr Fixed (>100k): 2.00%
S&P level or + (<$100k) 3.15%
S&P level or + (>100k) 3.50%
2-yr P2P Cap (<100k): 7.20%
2-yr P2P Cap (>100k): 8.10%
|
1.00%
on
100%
(108.2%) |
10% Starting in 1st Year
|
4.50% 0-75
3.50% 76-80
2.25% 81-85 |
Lincoln National
forms
Agent Guide
|
OptiPoint 8
8
Years
|
Bonus 3% (4% $100k+)
Fixed Account 1.00%
2-yr Mnthly P2P Cap 1.85%
S&P level or + (<$100k) 2.50%
S&P level or + (>100k) 2.50%
2-yr P2P Cap (<100k): 7.00%
2-yr P2P Cap (>100k): 7.00%
|
1.00%
on
100%
(108.2%) |
10% Starting in 1st Year
|
3.00% 0-75
2.00% 76-80
1.00% 81-85 |
Lincoln National
forms
Agent Guide
|
OptiChoice 9
9
Years
|
Fixed Account 1.25%
Fixed Account ($100k+) 1.40%
Mo P2P Cap <$100k 1.55%
Mo P2P Cap ($100k+) 1.65%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
S&P level or + (<$100k) 2.50%
S&P level or + (>100k) 2.50%
|
1.00%
on
100%
(109.3%) |
10% Starting in 1st Year
|
7.00% 0-75
5.25% 76-80 |
F&G
forms
Agent Guide
|
Choice 9
9
Years
Single Premium
|
PREMIUM BONUS 3.00%
Fixed Account 2.00%
Annual P2P Cap 3.50%
Mo Avg Cap 3.75%
1-yr Mnthly P2P Cap 2.00%
2-yr Mnthly P2P Cap 2.50%
3-yr Mnthly P2P Cap 3.00%
|
1.10%
on
103.00%
(113.6%) |
10% after 1st year
|
9.00% 0-79
4.50% 80-85
most states |
ING-USA
forms
Agent Guide
|
Envoy 9
9
Years
|
Fixed Account 1.50%
Annual P2P Cap <$75k 2.50%
Annual P2P Cap $75k+ 4.00%
|
1.00%
on
87.50%
(95.7%) |
10% Starting in 1st Year
|
6.00% 0-80 |
American General
forms
Agent Guide
|
Vision Maximizer
10
Years
Single Premium
|
PREMIUM BONUS 5.00%
Fixed Account 1.20% (5 years)
Annual P2P Cap 3.00%
Ann P2P (no cap) Participation 30%
Mo Avg Spread 8.00%
|
2.00%
on
90.00%
(109.7) |
10% Starting in 1st Year
|
8.00% 0-75 |
Great American
forms
Agent Guide
|
Safe Return
10
Years
|
Fixed Account 1.10%
Annual P2P Cap 4.00%
Mo Avg Cap 4.00%
Annual P2P Bailout Cap 3.50%
Mnthly Avg Bailout Cap 3.50%
|
1.00%
on
100%
(110.4) |
10% Starting in 1st Year
|
0-75 6.50%
76-80 5.50%
81-85 2.50% |
Lincoln National
forms
Agent Guide
|
OptiPoint 10
10
Years
|
Bonus 4% (5% $100k+)
Fixed Account 1.10%
2-yr Mnthly P2P Cap 2.05%
S&P level or + (<$100k) 2.50%
S&P level or + (>100k) 2.50%
2-yr P2P Cap (<100k): 7.00%
2-yr P2P Cap (>100k): 7.00%
|
1.00%
on
100%
(110.4%) |
10% Starting in 1st Year
|
3.50% 0-75
2.38% 76-80 |
Allianz Life
forms
Agent Guide
|
MasterDex X
10
Years
Flexible Premium 1st 3 yrs only
|
PREMIUM BONUS 6%
Fixed Account 1.60%
Annual S&P P2P Cap 3.00%
Annual Nasdaq100 P2P Cap 3.00%
Ann DJ Euro Stxx 50 Cap 3.25%
Ann Multiple Index P2P Cap 3.25%
Monthly S&P P2P Cap 1.80%
Mthly Nasdaq100 P2P Cap 1.80%
Mthly DJ Euro Stxx P2P Cap 1.90%
|
1.95%
on
87.50%
(106.1%) |
10% after 1st year
|
7.00% 0-75
5.00% 76-80 |
Lafayette Life
forms
Agent Guide
|
Marquis Centennial 10
10
Years
Flexible Premium
|
Fixed Account 1.60%
Annual P2P Cap 3.00%
Monthly Avg Cap 3.25%
Monthly S&P P2P Cap 1.50%
|
3.00%
on
90.00%
(120.9) |
10% after 1st year
|
8.00% 0-70
7.00% 71-80
5.00% 81-85 |
ING-USA
forms
Agent Guide
|
Secure Opportunities Plus
10
Years
|
PREMIUM BONUS 5.00%
Fixed Account 1.50%
Annual P2P Cap <$75k 2.00%
Annual P2P Cap $75k+ 3.50%
Benchmark Multiplier 2.25
Benchmark Multiplier $75k 4.00
Monthly P2P Cap <$75k 1.10%
Monthly P2P Cap $75k+ 1.50%
|
2.00%
on
87.50%
(106.6%) |
10% after 1st year
|
7.00% 0-80 |
*Commission may vary depending on payout option, premium amount, state, age, and type of policy.
Please call for details and to make sure product is approved in your state
Products, surrender charges, interest rates, bonuses, participation rates/margins, free withdrawals,
issue ages, minimum premiums and commissions may vary depending on state, age, type of policy and/or
premium. All information is meant as a representation, not an advertisement or warrantee.
Rates subject to change at any time. Agent-only material and not meant to be copied or used in sales
presentations. Each company/product may have state specific requirements where approved.
