Providing a secure future for families across America since 1974
| Indexed Annuity Hot Sheet | ||||||||
|---|---|---|---|---|---|---|---|---|
| This spreadsheet is intended for use as a guide. See company literature for details. | ||||||||
| Fixed Index Annuities 5/19/2020 | ||||||||
| Accumulation Plays | ||||||||
| Carrier | Product | AM Best | Years | Top Crediting Strategy | Crediting Type | Max IssueAge | Comp * | |
| American General | Power 7 or 10 Protector | A | 7 or 10 | PIMCO Global Optima Index | Uncapped with up to 44% participation | 85 or 75 | 4.50% or 7.00% | |
| 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 50% 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% | |
| Income Plays – income sooner | ||||||||
| Carrier | Product | AM Best | Years | Income Rider | Bonus | Roll-up | Max IssueAge | Comp * |
| American General | Assured Edge Income Achiever (exclusive contract) | A | 10 | Assured Edge Income Builder GLWB | n/a | 7.50% | 80 | 4.50% |
| Athene | Ascent Pro 10 (limited distribution) | A | 10 | Ascent Bonus Income Rider | 15.00% | 10.00% | 80 | 6.50% |
| Great American | Premier IncomeBonus | A | 7 | Premier Income Bonus | 8.00% | 8.00% | 85 | 4.00% |
| Income Plays – income later | ||||||||
| Carrier | Product | AM Best | Years | Income Rider / Crediting Strategy | Income ValueBonus | Income Value Crediting | Max Issue Age | Comp * |
| Lincoln | New Directions 8 | A+ | 5 to 10 | Lincoln Lifetime Income Edge 2.0 | n/a | 7.00% Rollup | 85 | 4.50% |
| Athene | Ascent Pro | A | 10 | Ascent Income Rider with Stacked Rollup Option | 10% | 7% Simple + 200% index crediting | Varies by state | 6.50% |
| American General | PowerProtector Plus Income | A | 7 or 10 | Lifetime Income Plus | n/a | 7.50% Rollup | 75 or 80 | 4.00% or 7.00% |
| Wealth Transfer Plays | ||||||||
| Carrier | Product | AM Best | Years | Death Benefit | Roll-up | Roll-up Period | Max IssueAge | 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 | ||||||||
| Great American | Legend 7 | A+ | 7 | Inheritance Enhancer ***(available ages 50-85) 0.95% rider cost | 7%Simple | 10 years | 85 | 4.75% |
| *** Enhanced Death Benefit becomes available after 5th contract year | ||||||||
| Oxford | Prosperity Select SPWL | A- | n/a | Simplified issue, guaranteed death benefit, accelerated benefits,tax-free transfer of wealth | 80 | 7.00% | ||
| LTC Play – hybrid policy | ||||||||
| Carrier | Product | AM Best | Years | LTC Benefit | Max IssueAge | Comp * | ||
| State Life / One America | Annuity Care II | A+ | 9 | LTC Account Value + Continuation of Benefits combine to providetax-free LTC benefit payments(call for sample hypothetical illustration) | 40-80 | 6.50% | ||
| Please call for state availability * Commissions reduce at higher ages |
||||||||
