|
Company |
Plan &
Term |
Account Options |
Min. Policy Guarantee |
Free Withdrawls |
Commission |
ING-USA
forms
Agent Guide
|
Envoy 3
3
Years
Flex-Non Rolling
|
Product Temporarily Suspended
|
1.00%
on
100%
(105%) |
10% Starting in 1st Year
|
1.00% 0-80
0.75% trail |
Standard Insurance
forms
Agent Guide
|
IGA 5
5
Years
Single Premium
|
Fixed Account 1.70%
Annual P2P Cap <$100k 3.50%
Annual P2P Cap 100k+ 4.25%
P2P w/ ROP Rider <$100k 3.05%
P2P w/ ROP Rider $100k+ 3.50%
Bailout Cap 2% less than initial
|
1.00%
on
100%
(106%) |
10% Starting in 1st Year
|
4.50% 0-80
2.25% 81-85
1.85% 86-90 |
Lincoln National
forms
Agent Guide
|
OptiChoice 5
5
Years
Flex-Non Rolling
|
Fixed Account 2.25%
Fixed Account ($100k+) 2.40%
Annual P2P Cap <$100k 4.05%
Annual P2P Cap 100k+ 4.35%
Mo P2P Cap <$100k 2.10%
Mo P2P Cap ($100k+) 2.20%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
|
1.25%
on
100%
(106.4%) |
10% Starting in 1st Year
|
5.00% 0-75
3.75% 76-80
2.50% 81-85 |
Lafayette Life
forms
Agent Guide
|
Advant-Edge 5
5
Years
Flex-Non Rolling
|
2.00% built-in credit - even in negative years
Fixed Account 2.50%
Annual P2P Cap 5.50%
|
2.00%
on
100%
(110.4%) |
10% after 1st year
|
3.00% 0-69
2.00% 70-85 |
ING-USA
forms
Agent Guide
|
Secure Index 5
5
Years
Flex-Non Rolling
|
Fixed Account 2.20%
Annual P2P Cap <$75k 4.25%
Annual P2P Cap $75k+ 5.25%
Monthly P2P Cap <$75k 1.60%
Monthly P2P Cap $75k+ 2.10%
|
1.50%
on
100%
(107.7%) |
10% after 1st year
|
4.00% 0-80 |
Lincoln National
forms
Agent Guide
|
New Directions
6
Years
Single Premium
|
6-yr Fixed (<100k): 2.80%
6-yr Fixed (>100k): 3.00%
S&P level or + (<$100k) 4.80%
S&P level or + (>100k) 5.15%
2-yr P2P Cap (<100k): 11.35%
2-yr P2P Cap (>100k): 12.35%
|
1.75%
on
100%
(111%) |
10% Starting in 1st Year
|
3.50% 0-75
2.75% 76-80
1.75% 81-85 |
American National
forms
Agent Guide
|
ANICO EIA
6
Years
Single Premium
|
If S&P is positive 5.00%
|
3.00%
on
90.00%
(107.4) |
10% after 1st year
|
0-79 5.00%
80-85 3.00% |
ING-USA
forms
Agent Guide
|
Envoy 6
6
Years
Flex-Non Rolling
|
Fixed Account 2.40%
Annual P2P Cap <$75k 4.75%
Annual P2P Cap $75k+ 6.25%
|
1.00%
on
100%
(106.1%) |
10% Starting in 1st Year
|
1.50% 0-80
0.75% trail |
Standard Insurance
forms
Agent Guide
|
IGA 7
7
Years
Single Premium
|
Fixed Account 1.70%
Annual P2P Cap <$100k 3.75%
Annual P2P Cap 100k+ 4.50%
P2P w/ ROP Rider <$100k 3.05%
P2P w/ ROP Rider $100k+ 3.75%
Bailout Cap 2% less than initial
|
1.00%
on
100%
(109%) |
10% Starting in 1st Year
|
5.50% 0-80
2.75% 81-85
2.25% 86-90 |
Great American
forms
Agent Guide
|
American Legend 2
7
Years
Flex-Non Rolling
|
Fixed Account 2.80%
Annual P2P Cap 6.25%
Monthly S&P P2P Cap 2.50%
P2P Monthly Avg Cap 7.00%
|
2.00%
on
100%
(114.8%) |
10% Starting in 1st Year
|
5.50% 0-75
5.10% 76-80
3.50% 81-85 |
Lincoln National
forms
Agent Guide
|
OptiChoice 7
7
Years
Flex-Non Rolling
|
Fixed Account 2.45%
Fixed Account ($100k+) 2.60%
Annual P2P Cap <$100k 4.45%
Annual P2P Cap 100k+ 4.75%
Mo P2P Cap <$100k 2.25%
Mo P2P Cap ($100k+) 2.40%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
|
1.50%
on
100%
(111%) |
10% Starting in 1st Year
|
6.00% 0-75
4.50% 76-80
3.00% 81-85 |
American National
forms
Agent Guide
|
Strategy Index 7
7
Years
Single Premium
|
Fixed Account 2.00%
Fixed Acct w/ ROP rider 1.80%
Annual P2P Cap 4.20%
Ann P2P Cap w/ ROP rider 3.40%
Life Income & Death Benefit Rider
|
1.75%
on
90.00%
(101.2%) |
10% after 1st year
|
5.00% 0-75
4.00% 76-80
3.00% 81-85 |
ING-USA
forms
Agent Guide
|
Secure Index 7
7
Years
Flex-Non Rolling
|
Fixed Account 2.60%
Annual P2P Cap <$75k 5.75%
Annual P2P Cap $75k+ 6.75%
Monthly P2P Cap <$75k 2.10%
Monthly P2P Cap $75k+ 2.55%
|
1.00%
on
100%
(107.2%) |
10% after 1st year
|
5.00% 0-80 |
Lincoln National
forms
Agent Guide
|
OptiPoint 8
8
Years
Flex-Non Rolling
|
PREMIUM BONUS 2% (3% $100k+)
Fixed Account 2.35%
2-yr Mnthly P2P Cap 3.40%
S&P level or + (<$100k) 4.05%
S&P level or + (>100k) 4.05%
2-yr P2P Cap (<100k): 9.35%
2-yr P2P Cap (>100k): 9.35%
|
1.25%
on
100%
(110.5%) |
10% Starting in 1st Year
|
6.00% 0-75
4.00% 76-80
2.00% 81-85 |
Lincoln National
forms
Agent Guide
|
New Directions
8
Years
Single Premium
|
8-yr Fixed (<100k): 3.10%
8-yr Fixed (>100k): 3.25%
S&P level or + (<$100k) 5.35%
S&P level or + (>100k) 5.60%
2-yr P2P Cap (<100k): 12.75%
2-yr P2P Cap (>100k): 13.50%
|
2.00%
on
100%
(117%) |
10% Starting in 1st Year
|
4.50% 0-75
3.50% 76-80
2.25% 81-85 |
Lincoln National
forms
Agent Guide
|
OptiChoice 9
9
Years
Flexible Premium
|
Fixed Account 2.60%
Fixed Account ($100k+) 2.80%
Annual P2P Cap <$100k 4.70%
Annual P2P Cap 100k+ 5.15%
Mo P2P Cap <$100k 2.35%
Mo P2P Cap ($100k+) 2.55%
Mo Avg Spread <$100k 9.00%
Mo Avg Spread ($100k+) 9.00%
|
1.75%
on
100%
(116.9%) |
10% Starting in 1st Year
|
7.00% 0-75
5.25% 76-80 |
OMFN
forms
Agent Guide
|
Spectrum 9
9
Years
Single Premium
|
PREMIUM BONUS 3.00%
Fixed Account 2.20%
Annual P2P Cap 4.25%
Mo Avg Cap 4.50%
1-yr Mnthly P2P Cap 2.00%
2-yr Mnthly P2P Cap 2.50%
3-yr Mnthly P2P Cap 3.20%
|
1.10%
on
103.00%
(113.6%) |
10% after 1st year
|
9.00% 0-79
4.50% 80-85
most states |
ING-USA
forms
Agent Guide
|
Envoy 9
9
Years
Flex-Non Rolling
|
Fixed Account 2.40%
Annual P2P Cap <$75k 5.00%
Annual P2P Cap $75k+ 6.50%
|
1.00%
on
100%
(109.3%) |
10% Starting in 1st Year
|
6.50% 0-80 |
Great American
forms
Agent Guide
|
Safe Return
10
Years
|
Fixed Account 2.30%
Annual P2P Cap 6.00%
Mo Avg Cap 6.50%
Annual P2P Bailout Cap 5.50%
Mnthly Avg Bailout Cap 6.00%
Return of Premium Built-In
|
2.00%
on
100%
(121.9) |
10% Starting in 1st Year
|
0-75 6.50%
76-80 5.50%
81-85 2.50% |
Great American
forms
Agent Guide
|
American Icon 2
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 1.50%
Fixed Account 2.20%
Mo Avg Cap 5.50
Annual P2P Cap 5.25%
|
2.00%
on
100%
(121.9%) |
10% Starting in 1st Year
|
7.50% 0-75
6.00% 76-80
2.00% 81-85 |
Great American
forms
Agent Guide
|
American Valor 2
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 3% to 5.00%
Fixed Account 2.30%
Annual P2P Cap 5.50%
P2P Monthly Avg Cap 6.00%
|
2.00%
on
100%
(121.9%) |
10% Starting in 1st Year
|
6.50% 0-75
5.35% 76-80
3.60% 81-85 |
Lincoln National
forms
Agent Guide
|
OptiPoint 10
10
Years
Flex-Non Rolling
|
PREMIUM BONUS 3% (4% $100k+)
Fixed Account 2.35%
2-yr Mnthly P2P Cap 3.40%
S&P level or + (<$100k) 4.05%
S&P level or + (>100k) 4.05%
2-yr P2P Cap (<100k): 9.35%
2-yr P2P Cap (>100k): 9.35%
|
1.50%
on
100%
(116%) |
10% Starting in 1st Year
|
7.00% 0-75
4.75% 76-80 |
Allianz Life
forms
Agent Guide
|
MasterDex X
10
Years
Flexible Premium 1st 3 yrs only
|
Bonus 10%
Fixed Account 2.15%
Annual S&P P2P Cap 5.25%
Annual Nasdaq100 P2P Cap 4.50%
Ann DJ Euro Stxx 50 Cap 4.75%
Ann Multiple Index P2P Cap 5.25%
Monthly S&P P2P Cap 2.10%
Mthly Nasdaq100 P2P Cap 2.30%
Mthly DJ Euro Stxx P2P Cap 2.10%
|
2.50%
on
87.50%
(112%) |
10% after 1st year
|
7.00% 0-75
5.00% 76-80 |
ING-USA
forms
Agent Guide
|
Secure Opportunities Plus
10
Years
Single Premium
|
PREMIUM BONUS 5.00%
Fixed Account 2.10%
Annual P2P Cap <$75k 4.50%
Annual P2P Cap $75k+ 5.50%
Monthly P2P Cap <$75k 2.00%
Monthly P2P Cap $75k+ 2.40%
|
2.00%
on
87.50%
(106.6%) |
10% after 1st year
|
7.00% 0-80 |
Lincoln National
forms
Agent Guide
|
OptiPoint 12
12
Years
Flex-Non Rolling
|
Fixed Account 2.35%
2-yr Mnthly P2P Cap 3.40%
S&P level or + (<$100k) 4.05%
S&P level or + (>100k) 4.05%
2-yr P2P Cap (<100k): 9.35%
2-yr P2P Cap (>100k): 9.35%
|
1.75%
on
100%
(123%) |
10% Starting in 1st Year
|
8.00% 0-75 |
