Allianz American General Life American National Genworth Genworth Immediate Annuity Platinum Income Annuity Palladium Immediate Annuity A Best A Best A+ Best A Best A Best AA Standard & Poors A+ Standard & Poors AA- Standard & Poors A Standard & Poors A Standard & Poors A2 Moody's A1 Moody's A2 Moody's A2 Moody's 87 Comdex 83 Comdex 90 Comdex 79 Comdex 79 Comdex 0-100 (0-85 for NJ & OR) (for contracts with life contingencies) $25,000.00 $15,000 - NQ $3,500 - Q $5 million max with home office approval.00 $2,500,000 required for all premiums above $1 million. Funds must arrive w/in 30 days Ages : Idea Benefit available. Funds must arrive w/in 90 days Installment and Cash Refund available. CPI Option Available in all states except for HI, IL, MN, NJ, OR. MS, - Sold by American National of Qualified plans in OR except IRAs Available in only Certain only option in MD > 10 yr certain, certain & life, life only: Single Life only Life only Ages 0-84 1.125% Ages 0.75% Ages 1.50% Ages 85-90 < 10 year certain, certain & life: Ages 2.00% Ages 1.50% Ages Installment and Cash refund available. Installment and Cash refund available. Installment and Cash refund available. Life with certain ( in MD, PA, SC) Commutation Feature Available Income Advance Feature Available Death Benefit available on period certain Income Advance Feature Available options. Partial withdrawals available after 3 yrs for up to 10% of commuted value. Full surrender allowed after 3 yrs. Page 1 of 5
Hartford ING USA Integrity Life John Hancock Lincoln Benefit Life Income Annuity Income Source Essential Income Income Ready A Best A Best A+ Best A+ Best A+ Best A Standard & Poors A+ Standard & Poors AA+ Standard & Poors AA+ Standard & Poor's AA- Standard & Poors A3 Moody's A2 Moody's Aa3 Moody's Aa3 Moody's A1 Moody's 77 Comdex 81 Comdex 97 Comdex 96 Comdex 88 Comdex 0-85 for Life Only 3-85 5-85 Life Only Options 0-100 for Period Certain 0-100 - certain only option 5-90 Certain Only Options 1-99.00 / Illustration valid for 14 days Funds must arrive w/in 90 days* 1-6% per year $15,000 Funds must arrive w/in 45 days* AL, ages 0-75/$500K ages 76+ Illustration valid for 14 days 1% - 3% per year - Sold by National Integrity.00 * Ages : < 10 Year Certain Only 5-9 year payout 2.00% Ages 0-99 3.75% 10 yrs+ and Life payout Ages 0-99 Installment and Cash refund available Commutation Rider available Return of Premium Option available Delayed Income Start Date available *Rate Lock must be selected on the app in order to lock in rates. *Rates are reviewed bi-weekly. Illustrations are valid while current rate is offered. App must be signed w/in 7 days from the date the new rate went into effect. Limited payout options available on older ages. Installment and Cash Refund Available. 3-60 Year Certain Available *Once rate is locked, it cannot be changed, even if a subsequent rate improvement occurs. Page 2 of 5
Lincoln Financial Group Minnesota Life Mutual of Omaha Nationwide rth American Income Today! Wealth Manager Income Promise Income Annuity A+ Best A+ Best A+ Best A+ Best A+ Best AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors A+ Standard & Poors A+ Standard & Poors A2 Moody's Aa3 Moody's Aa3 Moody's A1 Moody's 88 Comdex 94 Comdex 96 Comdex 87 Comdex 92 Comdex 15-85 0-99 Owner 0-85 w/ life contigency (NQ/Q) 50-85 - certain only option 0-85 Annuitant for periods certain only (NQ/Q) - certain only option NQ - life options $2,000 Q on joint life cases $3,000,000 * * Funds must arrive w/in 30 days Funds must arrive w/in 30 days Funds must arrive w/in 45 days Ages : < 10 Year Certain Only Ages 50-85: 5-9 Year Certain 2.00% 5-9 period certain 1.00% Ages 1.00% 2.00% All other payout options Ages 0-80 2.50% Commissions are held for 30 days 1.00% Ages 81-85 on all cases that are $500k+ Advance Withdrawal Benefit Installment refund available Installment Refund Available. available. Cash refund available Cash refund available. $25,000 AK, DC, GA, ID, KS, LA, MS, NH, NJ, NM, OK, OR, VA. *Rate lock must be selected on product disclosure form. Client will receive rate locked in at regardless if rates are higher or lower at the time the funds arrive. MS, *Rate lock must be selected on product disclosure form. Client will receive locked in rate whether rates are higher or lower. 1-3% per year NV, AL & Page 3 of 5
Penn Mutual Principal Symetra The Standard Advantage Income Freedom Tailored Income A+ Best A+ Best A Best A Best A Best AA- Standard & Poors A+ Standard & Poors A Standard & Poors A Standard & Poors AA- Standard & Poors Aa3 Moody's Aa3 Moody's A3 Moody's A3 Moody's A1 Moody's 95 Comdex 92 Comdex 80 Comdex 80 Comdex 88 Comdex 0-85 NQ & Q 0-79 Life Only options 0-99 All other options $2,500 NQ & Q.00.00.00 $15,000.00,000.00,000 without approval with out home office approval without approval Quote valid during month illustrated Illustration valid for 9 days Illustration valid for 30 days Funds must arrive w/in 45 days Funds must arrive w/in 30 days* Yes, for NQ only 1% -5% 0.10% - 6.50% per year 0.10% - 6.50% per year Available in all states CT TX, PA, OR, First Year Commissions Ages 0-85: 5-9 yr fixed period/fixed amount: 1.50% All other options: Ages : Ages : Ages : 5.00% Installment and Cash refund available. Installment Refund Available Advance Income Feature Available Payment Start Date Mnimum: 13 months from issue Maximum: age 94 or 45 years deferral, whichever comes first. CALL FOR IMPORTANT DETAILS ON DEATH BENEFIT OPTION Installment Refund Available Life Income Commutation Available *Funds must arrive within 30 days of the date of the illustration. Page 4 of 5
Transamerica United of Omaha United States Life West Coast Life Secure Rewards Ultra-Income Income Access Premier Income Annuity Income Advantage A Best A+ Best A+ Best A Best A+ Best AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors A+ Standard & Poors AA- Standard & Poors A1 Moody's Aa3 Moody's Aa3 Moody's A1 Moody's A2 Moody's 91 Comdex 96 Comdex 96 Comdex 83 Comdex 87 Comdex 0-85 Life Contingency Options 0-85 for Life Only 0-85 0-85 Certain Only Options 0-99 for all other payout options stated minimum Payout must be at least $25.00 wiithout home office approval $25 Quote valid until rate change Funds must arrive w/in 90 days Funds must arrive w/in 90 days 3% per year Available only in: WA LA, MT,, OR, First Year Commissions Ages : Ages 0-85: 2.50% 3.50% Ages 0-85: Ages : Ages 0-99: 3.50% Installment & Cash Refund available. Withdrawal Option Available. Installment Refund available. Maximum Deferred Period is 13 months. Liquidity Features include: return of premium for cancellation and terminal illness. PERC and nursing home rider enhances payouts. Installment and Cash refund available. Page 5 of 5