Providing a secure future for families across America since 1974
| Fixed Annuity Hot Sheet | |||||
|---|---|---|---|---|---|
| This spreadsheet is intended for use as a guide. See company literature for details. | |||||
| Multi-Year Guarantee Annuities 11/17/2020 | |||||
| Carrier | Product | AM Best | Yield to Surrender | Max Issue Age | Comp * |
| 2 Year | |||||
| SILAC | Secure Savings Elite 2 | B+ | 2.15% | 85 | 1.25% |
| Product availability varies by state – call CPS for state approval | |||||
| 3 Year | |||||
| American Equity | GuaranteeShield 3 | A- | 2.40% | 85 | 1.50% |
| Oceanview Life and Annuity | Harbourview 3 MVA | A- | 2.15% | 89 | 1.50% |
| Guaranty Income Life | Guaranty Rate Lock 3 | B++ | 2.10% | 100 | 1.85% |
| **GUARANTY RATE LOCK 3 RATE DECREASE FROM 2.10% TO 1.95% ON 11/19/2020** | |||||
| North American | Guarantee Choice 3 (High-Band) | A+ | 1.85% | 90 | 1.50% |
| New York Life | Secure Term MVA II 3 (Mid-Band) | A++ | 1.70% | 85 | 1.00% |
| Product availability varies by state – call CPS for state approval | |||||
| 4 Year | |||||
| Oxford | Multi-Select 4 | A- | 2.40% | 85 | 1.30% |
| Guaranty Income Life | Guaranty Rate Lock 4 | B++ | 2.25% | 100 | 2.25% |
| **GUARANTY RATE LOCK 4 RATE DECREASE FROM 2.25% TO 2.10% ON 11/19/2020** | |||||
| AIG | American Pathway VisionMYG 4 (High-Band) | A | 1.75% | 85 | 1.50% |
| New York Life | Secure Term MVA II 4 (Mid-Band) | A++ | 1.70% | 85 | 1.50% |
| Product availability varies by state – call CPS for state approval | |||||
| 5 Year | |||||
| Americo | Platinum Assure 5 | A | 3.05% | 90 | 1.50% |
| Sentinel | Personal Choice Annuity 5 | B++ | 3.00% | 85 | 2.25% |
| SILAC | Secure Savings Elite 5 | B+ | 2.95% | 85 | 2.00% |
| Fidelity & Guaranty | Guarantee Platinum 5 MVA | A- | 2.75% | 90 | 2.00% |
| 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++ | 3.07% | 85 | 2.15% |
| Royal Neighbors | Choice 6 | A- | 2.60% | 85 = QL 99 = NQ | 2.75% |
| American National | Palladium MYG Annuity 6 (High-Band) | A | 2.45% | 90 | 2.50% |
| Product availability varies by state – call CPS for state approval | |||||
| 7 Year | |||||
| Sentinel | Personal Choice 7 | B++ | 3.10% | 85 | 2.25% |
| Fidelity & Guaranty | FG Guarnatee-Platinum 7 | A- | 2.90% | 90 | 2.25% |
| North American | Guarantee Choice 7 | 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 | B++ | 2.75% | 90 | 3.00% |
| Oxford | Mulit-Select 8 | A- | 2.50% | 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++ | 3.25% | 90 | 3.25% |
| American National | Palladium MYG Annuity 9 | A | 2.55% | 90 | 2.50% |
| Oxford | Mulit-Select 9 | A- | 2.45% | 85 | 2.75% |
| Product availability varies by state – call CPS for state approval | |||||
| 10 Year | |||||
| Sentinel | Personal Choice 10 | B++ | 3.20% | 85 | 2.25% |
| Oceanview Life and Annuity | Harbourview 10 MVA | A- | 2.55% | 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 |
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