Annuity Advisors

 September 08, 2010 Deferred Rates  |  Immediate Rates  |  Glossary  |  F.A.Q.  |  Contact Us  


Product Center - Multi-Year Guarantee Annuities Product Center - Multi-Year Guarantee Annuities
  Multi-Year Guarantee     Fixed Indexed     Traditional     Immediate  

Company Liberty Life
Plan Name Freedom ($100k)
AM Best Rating A
1st Year Rate 4.65% (4.50% for $10k - $99k)
Rate Thereafter 1.65% (1.50% for $10k - $99k)
Guarantee Period 5 years
Avg. Annual Yield 2.25% (2.10% for $10k - $99k)
Minimum Premium $100,000.00
Flexible/Single Premium Single
Minimum Additions N/A
Max Issue Age 85 Qualified
85 Non-Qualified
Free Withdrawals 10% after 1st year
Surrender Schedule 7 %, 7 %, 7 %, 6 %, 5 %, 0 %
Market Value Adjustment No
Action at end of guarantee Annually declared renewal rate
Return of Principal Guarantee No
Waiver Options Nursing Home, Terminal Illness (Extended Care Benefit)
Annual Fees N/A
States NOT approved OR, UT
Days held on Transfers 60
Interest Rate History on
New Premiums		 5/1/2008 - 7.45%
6/2/2008 - 7.30%
7/1/2008 - 7.35%
7/21/2008 - 7.05%
8/1/2008 - 6.90%
9/1/2008 - 6.85%
9/24/2008 - 6.60%
10/1/2008 - 6.95%
11/1/2008 - 7.30%
12/1/2008 - 6.80%
1/1/2009 - 6.05%
1/17/2009 - 6.40%
3/1/2009 - 6.55%
4/1/2009 - 6.25%
5/1/2009 - 6.00%
6/1/2009 - 5.85%
7/1/2009 - 5.45%
7/17/2009 - 5.20%
8/4/2009 - 5.60%
9/1/2009 - 5.30%
10/1/2009 - 5.40%
11/4/2009 - 5.65%
11/19/2009 - 5.45%
12/7/2009 - 5.25%
1/4/2010 - 5.35%
2/1/2010 - 5.15%
2/23/2010 - 4.95%
4/12/2010 - 5.25%
5/17/2010 - 5.00%
6/1/2010 - 4.80%
7/12/2010 - 4.65%




Commission*
3.50% (0 - 80)
1.50% (81 - 85)






*Commission may vary depending on payout option, premium amount, state, age, and type of policy.

Please call for details and to make sure product is approved in your state
Products, surrender charges, interest rates, bonuses, participation rates/margins, free withdrawals, issue ages, minimum premiums and commissions may vary depending on state, age, type of policy and/or premium. All information is meant as a representation, not an advertisement or warrantee. Rates subject to change at any time. Agent-only material and not meant to be copied or used in sales presentations. Each company/product may have state specific requirements where approved.


This site is intended for licensed professionals
Deferred Rates |  Immediate Rates |  Glossary |  F.A.Q. |  Contact Us
Who Are We? |  Product Center |  Reference Center |  Continuing Education |  Dept. of Insurance
Guest Columnist |  Forms |  Key Money Rates |  Industry News |  Suggestion Box

Disclaimer | © 2010 Annuity Advisors.