Providing a secure future for families across America since 1974
| Indexed Annuity Hot Sheet | |||||||||
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| This spreadsheet is intended for use as a guide. See company literature for details. | |||||||||
| Fixed Index Annuities 7/29/2020 | |||||||||
| Accumulation Plays | |||||||||
| Carrier | Product | AM Best | Years | Top Crediting Strategy | Crediting Type | Max Issue Age | Comp * | ||
| American General | Power 7 or 10 Protector |
A | 7 or 10 | PIMCO Global Optima Index | Uncapped with up to 45% participation |
85 or 75 | 4.50% or 7.00% |
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| Great American | American Legend 7 | A | 7 | S&P 500 Average Daily Risk Control 10% | Uncapped with up to 50% participation |
85 | 4.75% | ||
| Great American | Landmark 5 | A | 5 | S&P 500 Average Daily Risk Control 10% | Uncapped with up to 45% participation |
89 | 3.75% | ||
| Athene | Performance Elite 7, 10 or 15 |
A | 7, 10 or 15 | 2 year S&P 500 Average Daily Risk Control | Uncapped with 1.75% spread |
83, 78 or 73 | 5.00%, 6.50% or 6.50% |
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| Income Plays – income sooner | |||||||||
| Carrier | Product | AM Best | Years | Income Rider | Bonus | Roll-up | Max Issue Age | Comp * | |
| American General | Assured Edge Income Achiever (exclusive contract) |
A | 10 | Assured Edge Income Builder GLWB | N/A | 5.80% | 80 | 4.50% | |
| Protective Life | Guaranteed Income Index Annuity |
A+ | 10 | Guaranteed Income Index Benefit (Level Income) |
N/A | 4.00% | 79 | 7.00% | |
| Income Plays – income later | |||||||||
| Carrier | Product | AM Best | Years | Income Rider / Crediting Strategy | Income Value Bonus | Income Value Crediting | Max Issue Age | Comp * | |
| American National | Strategy Index Annuity Plus 7/Plus 10 | A | 7 or 10 | Lifetime Income Rider with Fixed Rate | 0% | 7.2% Rollup | 80 | 5% – 7 year 7% – 10 year | |
| Protective Life | Guaranteed Income Index Annuity |
A+ | 10 | Guaranteed Income Index Benefit (Level Income) |
n/a | 4.00% | 79 | 7.00% | |
| Wealth Transfer Plays | |||||||||
| Carrier | Product | AM Best | Years | Death Benefit | Roll-up | Roll-up Period | Max Issue Age | Comp * | |
| Symetra | Edge Pro 7 | A | 7 | Enhanced Death Benefit Rider ** (available to age 75) 0.90% rider cost |
7% Simple | 10 years | 85 | 4.50% | |
| ** Enhanced Death Benefit becomes available immediately | |||||||||
| Sagicor | Sagicor Wealth Care | A- | 10 | Simplified issue, ROP, guaranteed death benefit, Chronic Illness Rider, tax-free transfer of wealth |
85 | 11.00% | |||
| LTC Play – hybrid policy | |||||||||
| Carrier | Product | AM Best | Years | LTC Benefit | Max Issue Age | Comp * | |||
| State Life / One America | Annuity Care II | A+ | 9 | LTC Account Value + Continuation of Benefits combine to provide tax-free LTC benefit payments (call for sample hypothetical illustration) |
40-80 | 6.50% | |||
| Please call for state availability *Commissions reduce at higher ages |
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