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Hot Fixed Annuities

Fixed Annuity Hot Sheet
This spreadsheet is intended for use as a guide. See company literature for details.
Multi-Year Guarantee Annuities 3/3/2021
Carrier Product AM Best Yield to Surrender Max Issue Age Comp *
2 Year
SILAC Secure Savings Elite 2 B+ 2.15% 85 1.25%
Oceanview Habourview 2 A- 1.75% 89 0.75%
Product availability varies by state – call CPS for state approval
3 Year
Oceanview Harbourview 3 A- 2.25% 89 1.50%
North American Guarantee Choice 3 (High-Band) A+ 1.85% 90 1.50%
New York Life Secure Term MVA II 3 (Mid-Band) A++ 1.60% 85 1.00%
Product availability varies by state – call CPS for state approval
4 Year
Oceanview Harbourview 4 A- 2.60% 89 0.85%
AIG American Pathway VisionMYG 4 (High-Band) A 1.75% 85 1.50%
**AMERICAN PATHWAY VISIONMYG 4 RATE INCREASE FROM 1.75% TO 2.00% ON 3/8/21**
New York Life Secure Term MVA II 4 (Mid-Band) A++ 1.60% 85 1.50%
Product availability varies by state – call CPS for state approval
5 Year
SILAC Secure Savings Elite 5 B+ 2.95% 85 2.00%
Sentinel Personal Choice Annuity 5 B++ 2.80% 85 2.25%
Americo Platinum Assure 5 A 2.70% 90 1.50%
Fidelity & Guaranty Guarantee Platinum 5 MVA A- 2.65% 90 2.00%
**GUARANTEE PLATINUM 5 RATE DECREASE FROM 2.65% TO 2.55% ON 3/8/21**
Reliance Standard Eleos MVA A++ 2.10% 85 2.50%
Product availability varies by state – call CPS for state approval
6 Year
Atlantic Coast Safe Haven 6 B++ 2.87% 85 2.15%
Oceanview Harbourview 6 A- 2.75% 89 1.00%
Royal Neighbors Choice 6 A 2.60% 85=QL / 99= NQ 2.75%
Product availability varies by state – call CPS for state approval
7 Year
Sentinel Personal Choice 7 B++ 2.90% 85 2.25%
Fidelity & Guaranty FG Guarnatee-Platinum 7 A- 2.80% 90 2.25%
American National Palladium MYG Annuity 7 (High-Band) A 2.45% 90 2.50%
North American Guarantee Choice 7 (High-Band) A+ 2.20% 90 2.50%
Product availability varies by state – call CPS for state approval
8 Year
Guaranty Income Life Guaranty Rate Lock 8 (High-Band) B++ 2.75% 90 3.00%
Oxford Multi-Select 8 A- 2.70% 85 1.45%
American National Palladium MYG Annuity 8 (High-Band) A 2.45% 90 2.50%
Product availability varies by state – call CPS for state approval
9 Year
Guaranty Income Life Guaranty Rate Lock 9 MVA (High Band) B++ 3.00% 90 3.25%
Oxford Multi-Select 9 A- 2.55% 85 2.75%
American National Palladium MYG Annuity 9 (High-Band) A 2.55% 90 2.50%
Product availability varies by state – call CPS for state approval
10 Year
Guaranty Income Life Guaranty Rate Lock 10 MVA (High Band) B++ 3.00% 90 3.25%
Oceanview Harbourview 10 A- 2.75% 89 3.00%
American National Palladium MYG Annuity 10 (High-Band) A 2.55% 90 2.50%
Product availability varies by state – call CPS for state approval
Please call for state availability
*Commissions reduce at higher ages

Annuity Team