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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 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

Annuity Team