| Fixed Annuity Hot Sheet | ||||
|---|---|---|---|---|
| This spreadsheet is intended for use as a guide. See company literature for details. | ||||
| Multi-Year Guarantee Annuities 2/20/19 | ||||
| Carrier | Product | AM Best | Yield to Surrender | Max Issue Age |
| 2 Year | ||||
| Equitable | Secure Savings Elite 2 | B | 3.20% | 90 |
| 3 Year | ||||
| Guggenheim | Preserve MYGA 3 (High-Band) | B++ | 3.10% | 90 |
| Minnesota Life | SecureOption Choice 3 (High-Band) | A+ | 3.05% | 90 |
| Standard | Focused Growth Annuity 3 (High-Band) | A | 2.90% | 93 |
| New York Life | Secure Term MVA II 3 (Mid-Band) | A++ | 2.70% | 85 |
| **RATE DECREASE ANNOUNCED** rate will be 2.65% on 2/25/19 | ||||
| 4 Year | ||||
| Guggenheim | Preserve MYGA 4 (High-Band) | B++ | 3.20% | 90 |
| Oxford | Multi-Select 4 | A- | 3.25% | 80 |
| Principal | Preferred Series 4 (High-Band) | A+ | 2.80% | 90 |
| 5 Year | ||||
| Equitable | Secure Savings Elite 5 | B | 4.10% | 85 |
| Sentinel | Personal Choice Annuity 5 | B++ | 4.00% | 85 |
| Fidelity & Guaranty | Platinum 5 | A- | 3.70% | 90 |
| American National | Palladium MYG 5 (High-Band) | A | 3.55% | 85 |
| North American | Guarantee Choice 5 (High-Band) | A+ | 3.40% | 90 |
| 6 Year | ||||
| Atlantic Coast | Safe Haven 6 | B++ | 4.12% | 85 |
| American National | Palladium MYG 6 (High-Band) | A | 3.65% | 85 |
| Principal | Principal Preferred Series 6 (High-Band) | A+ | 2.95% | 90 |
| 7 Year | ||||
| Atlantic Coast | Safe Haven 7 | B++ | 4.19% | 85 |
| Fidelity & Guaranty | Platinum 7 | A- | 3.85% | 90 |
| American National | Palladium MYG 7 (High-Band) | A | 3.74% | 85 |
| Minnesota Life | SecureOption Choice 7 (High-Band) | A+ | 3.45% | 90 |
| 8 Year | ||||
| American National | Palladium MYG Annuity 8 (High-Band) | A | 3.65% | 85 |
| 9 Year | ||||
| American National | Palladium MYG Annuity 9 (High-Band) | A | 3.72% | 85 |
| Minnesota Life | SecureOption Choice 9 (High-Band) | A+ | 3.55% | 90 |
| 10 Year | ||||
| Atlantic Coast | Safe Haven 10 | B++ | 4.30% | 85 |
| American National | Palladium MYG Annuity 10 (High-Band) | A | 3.75% | 85 |
| Please call for state availability * Commissions reduce at higher ages |
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I have been meaning to relay my gratitude to you for all the help and guidance that you have been providing along with the continued good handling of issues as they arise around the several 401k client plans we have been working on together. Your insight, mastery, and professionalism have made things a delight. Thank you for all the help! My processes and approach have been enriched because of your guidance and subject matter expertise. And for that, I am enriched professionally and personally. May I someday be able to pay it forward.
John Walsh — Columbus, Ohio
The Annuity Team at CPS is best in class! The knowledge and know-how they possess is far superior than any other firm I have worked with. I very much appreciate the support they provide me.
Kayoko Nihei
We partnered with CPS in 2014 and not only has it been pleasant but also an extremely educational experience. They are key to our agency and have the tools necessary to meet the needs of our clients. Their team is exceedingly knowledgeable and will give you step by step guidance on completing applications, quoting, and electing the right carrier for your clients. They have been a game changer for our agency and we look forward to continuing our business relationship with them for years to come.
Adam Beach, President of Beach Financial Group
CPS is superb to work with. We appreciate their prompt responses, attention to detail, and expertise from running illustrations to finalizing a policy. Customer services at its finest! We have found CPS to be a “5 Star” rating and highly recommend working with CPS.