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July 1, 2009 Rate
Spreadsheets: |
Deferred Annuity Guide - PDF - 5 Pages
- What's New
- Foresters - 3.90% For 5 Years
/ 3.00% commission
- Liberty Bankers -
9.00% Year 1 with a 3% Floor / 6.25% Comm.
- What's Hot!
- Lincoln Financial raises Caps
and Fixed Rates
4.25% for 8 years in fixed bucket - 4.50% Commission
- Liberty Bankers - 1 Year surrender -2.25% 1 Year Rate
- Liberty Bankers - 4.25% for 7 Years - 4.00% Comp
- Great American - Secure
American / 8 Year surr. / 8% Comm.
|
Indexed
Annuity Guide - PDF - 5 Pages
- What's New
-
Great American - Safe Return - 6.50% Commisison
7.50% Cap with a 7.00% Bail out cap
- What's Hot!
-
Life Of The Southwest -
Debit Card accessible withdrawals
- 8.00% Income Riders - From RBC
- Lincoln Financial raises Caps
and Fixed Rates
4.25% for 8 years in fixed bucket - 4.50% Commission
- AMERICAN NATIONAL - Value
Lock 7 - 100% Participation - NO CAP -
7 Year surrender -
6.00% Commission
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|
Multi-Year
Fixed Deferred Annuity Rates 7/01/2009 |
|
Term |
Guaranteed Interest Rate |
Surrender % |
Commission |
Details |
|
No Surrender |
2.00% |
NONE |
0.25% annually (paid monthly @ 0.02%) |
Click Here |
| 1 Year |
2.25% For 1 Year |
5, 0% |
0.50% (0-80) / 0.40%
(81-90) |
Click
Here |
|
2 Year |
1.75% For 2 Years |
8.5%, 7.5%
30 Day Free exit |
1.00%
(0-75) / 0.50% (76-85) |
Click Here |
|
3 Year |
3.00% For 3 Years |
8,7,6,0% - 30 day exit
(MVA) |
2.00% (0-80) / 1.00% (81-95) |
Click
Here |
|
4 Year |
3.30% For 4 Years |
7,6,5,4,0% |
2.00% (0-80)
/ 1.00% (81-85) / 0.67% (86-90) |
Click Here |
|
5 Year |
4.20% For 5 Years |
8.1%,
7.3%, 6.4%, 5.5, 4.5%, 0% +/-
MVA 1st 5 Yrs |
2.00% (0-80)
/ 0.40 (81-90) |
Click
Here |
|
5 Year |
3.90% For 5 Years
(100K+)
3.70% For 5 Years (under 100K) |
5 Years: 5,4,3,2,1,0 with MVA
(NO MVA in DE,MD,MN,NY,PA,WA rate 0.20% lower in
those non-mva states) |
3.00% (0-80) 1.50% (81-90) |
Click
Here |
|
6 Year |
3.97% For 6 Years
4.14% For 6 Years (Special) |
8.32%,7.65%,6.73%,5.79%,4.85%,3.90%,0.00% / MVA |
2.00% (0-90)
/ 0.40%
Trail (90-100)
1.00% (0-90)
/ 0.40%
Trail (90-100) on Special |
Click
Here |
|
7 Year |
4.25% For 7 Years |
0-55: 12,11,10,8,6,5,4,0%
56+: 8,7,6,5,4.5,3.5,2.5.0% / +/- MVA 1st 7 Yrs |
4.00% (0-80) /
2.00% (81-85) |
Click Here |
|
10
Year |
4.50% For 10
Years |
9%,8%,7%,6%,5%,4%,3%,2%,1%,0% /
mva |
3.25%
(0-80) |
Click Here |
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In this low rate environment, be sure to look to the Genworth Secure
Living
LIBERTY 1-year
guarantee:
Rates are at
historic lows, but clients are still seeking fixed rates for
safety.
As an alternative to locking
into a 5 or 6 year MYGA.
The
6 year effective yield is currently 3.88% for premiums over $100k
and 3.96% for premiums over $250k.
-
Currently
5.55%
year one on $100K - $249,999 3.88% Yield
-
6.05%
year one on $250K or more
3.96% Yield
-
Bailout rate
of 3.55%
keeps the client from having to accept low renewal rates
-
See attached
marketing piece on how renewal rates are derived
-
Other Features:
NO MVA, Nursing Home Waiver, 10% free after 30 days, and
annuitization after only 13 months at current SPIA rates
-
Rates vary in
New York
-
Commission is 3.00% (0-75)
-
Agent Appointment /
Fact Sheet
|
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Log onto
FSD-Fixed-Annuity-Agent-Login for all the latest insurance
company rate sheets:
|
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Immediate
Annuities:
@ SPIAquote.com
**3.50% COMMISSION** |
Lifetime Income SPIA With
100% Money Back Guarantee Refund Death Benefit.
Income begins 1 month
after deposit. |
|
Gender / Age
|
Monthly Income |
Annual Percentage
Return P&I |
Tax Free Portion
|
|
Male 60 |
$596.02 |
7.43% |
54% Tax Exclusion |
|
Male 65 |
$645.49 |
8.02% |
59% Tax Exclusion |
|
Male 70 |
$710.20 |
8.80% |
63% Tax Exclusion |
|
Male 75 |
$795.21 |
9.78% |
68% Tax Exclusion |
|
Male 80 |
$904.34 |
10.82% |
74% Tax Exclusion |
|
Male 85 |
$1,043.48 |
12.14% |
79%
Tax Exclusion |
|
Gender / Age
|
Monthly Income |
Annual Percentage Return P&I |
Tax Free Portion
|
|
Female 60 |
$566.26 |
7.12% |
56% Tax Exclusion |
|
Female 65 |
$608.46 |
7.69% |
62% Tax Exclusion |
|
Female 70
|
$664.95 |
8.39% |
67% Tax Exclusion |
|
Female 75 |
$742.62 |
9.34% |
73% Tax Exclusion |
|
Female 80 |
$848.41 |
10.46% |
75% Tax Exclusion |
|
Female 85 |
$984.77 |
11.89% |
78%
Tax Exclusion |
|
Commission is 3.00% on the above
SPIA's - B+ Rated By A.M. Best
Based on $100,000 - Life With Installment Refund - Non Premium
Tax State
Payment will remain the same for LIFE! - 07/01/2009 Rates (Look
for new rates around 8/05/2009)
The
Only Products That Guarantee Your Client Will NEVER
Outlive Their Money
Request a SPIA Quote Now |
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