| Indexed Annuity Hot Sheet | |||||||
|---|---|---|---|---|---|---|---|
| This spreadsheet is intended for use as a guide. See company literature for details. | |||||||
| Fixed Index Annuities 2/20/2019 | |||||||
| Accumulation Plays | |||||||
| Carrier | Product | AM Best | Years | Top Crediting Strategy | Crediting Type | Max Issue Age | |
| American General | Power 7 or 10 Protector | A | 7 or 10 | PIMCO Global Optima Index | Uncapped with spread as low as 2.45% | 85 or 75 | |
| Great American | American Legend 7 | A | 7 | S&P 500 Average Daily Risk Control 10% | Uncapped with up to 65% participation | 85 | |
| Great American | Landmark 5 | A | 5 | S&P 500 Average Daily Risk Control 10% | Uncapped with up to 65% participation | 89 | |
| Athene | Performance Elite 7, 10 or 15 | A | 7, 10 or 15 | Janus SG Market Concensus | Uncapped with up to 90% participation | 83, 78 or 73 | |
| Lincoln | OptiBlend 5, 7 or 10 | A+ | 5, 7 or 10 | S&P point-to-point | Up to 6.25% cap | 85, 85 or 80 | |
| Income Plays – income sooner | |||||||
| Carrier | Product | AM Best | Years | Income Rider | Bonus | Roll-up | Max Issue Age |
| American General | Assured Edge Income Achiever | A | 10 | Assured Edge Income Builder GLWB | n/a | 7.50% | 80 |
| Athene | Ascent Pro 10 (limited distribution) | A | 10 | Ascent Bonus Income Rider | 15.00% | 10.00% | 80 |
| American General | Power Protector | A | 7 or 10 | Lifetime Income Plus | n/a | 7.50% | 80 |
| Allianz Preferred | Core Income 7 | A+ | 7 | Core Income | n/a | interest based | 80 |
| Great American | Premier Income Bonus | A | 7 | Premier Income Bonus | 8.00% | 8.00% | 85 |
| Income Plays – income later | |||||||
| Carrier | Product | AM Best | Years | Income Rider / Crediting Strategy | Income Value Bonus | Income Value Crediting | Max Issue Age |
| Allianz Preferred | 222 | A+ | 10 | Allianz 222 Annuity Lifetime Income Withdrawal Benefit | 22% | 150% Index crediting | 80 |
| Lincoln | New Directions 8 | A+ | 5 to 10 | Lincoln Lifetime Income Edge 2.0 | n/a | 7.00% Rollup | 85 |
| Athene | Ascent Pro | A | 10 | Ascent Income Rider with Stacked Rollup Option | 10% | 7% Simple + 200% index crediting | Varies by state |
| American General | PowerProtector Plus Income | A | 7 or 10 | Lifetime Income Plus | n/a | 7.50% Rollup | 75 or 80 |
| Wealth Transfer Plays | |||||||
| Carrier | Product | AM Best | Years | Death Benefit | Roll-up | Roll-up Period | Max Issue Age |
| Symetra | Edge Pro 7 | A | 7 | Enhanced Death Benefit Rider **(available to age 75) 0.90%rider cost | 7% Simple | 10 years | 85 |
| ** Enhanced Death Benefit becomes available immediately | |||||||
| Great American | Legend 7 | A+ | 7 | Inheritance Enhancer ***(available ages 50-85) 0.95% rider cost | 7% Simple | 10 years | 85 |
| *** Enhanced Death Benefit becomes available after 5th contract year | |||||||
| Oxford | Prosperity Select SPWL | A- | n/a | Simplified issue, guaranteed death benefit, accelerated benefits, tax-free transfer of wealth | 80 | ||
| LTC Play – hybrid policy | |||||||
| Carrier | Product | AM Best | Years | LTC Benefit | Max Issue Age | ||
| State Life / One America | Annuity Care II | A+ | 9 | LTC Account Value + Continuation of Benefits combine to provide tax-free LTC benefit payments(call for sample hypothetical illustration) | 40-80 | ||
| Please call for state availability * Commissions reduce at higher ages |
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