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Index Annuities
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Company Name
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Product Name
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AM Best Rating
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Min. Interest
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CAP
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Participation
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Surrender Period
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Issue Ages
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Minimum Premium
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Notes
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Lafayette Life - IA
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Marquis Flex 10
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A
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1.5% guarantee on 100% of premium
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7.25%
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100%
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9 year 9,8,7,6,5,4,3,2,1
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0-80
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$1000 or $84/mo
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note
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Keyport Life - IA
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Index MultiPoint
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A+
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0%
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10% only on 1 year term
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See special features
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Surr. Value = 90% of prem. at 1.75%
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0-85 NQ, 0-75 Q.
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$10000
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note
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Allianz - IA
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Flex Dex
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A++
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3.00%
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10%
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100% for Mo. Avg., 55% for Pt. to Pt.
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12 years (15% decreasing to 0)
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0-85
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$5000 non-qual, $2000 qual.
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note
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Allianz - IA
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PowerHouse
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A++
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0%
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8%
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125%
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12 year
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0-80
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$2000 Q $5000 NQ
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note
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Allianz - IA
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PowerDex
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A++
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0.00%
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10.0%
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100%
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10 year
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0-85
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$2000 Q $5000 NQ
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note
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Allianz - IA
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IDEAL Index Annuity
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A++
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0.00%
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None
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75%
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10 year
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0-80
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$2000 Q $5000 NQ
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note
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Am. Equity - IA
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Freedom Plus
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B++
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3%
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10%
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100%
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7 year
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0-80
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$5000 NQ
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note
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Am. Equity - IA
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Future Plus
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B++
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3%
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12%
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100%
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12 year
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0-80
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$5000 NQ
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note
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Am. Equity - IA
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New Millennium
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B++
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3%
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12%
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100%
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10 year
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0-80
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$5000 NQ
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note
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Am. Equity - IA
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Premier Plus
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B++
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3.0%
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11.5%
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60%
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14 year
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0-80
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$5000 NQ
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note
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Amerus - IA
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MultiChoice 6
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A
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0.0%
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None
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100%
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6 year
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0-90
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$5000 NQ
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note
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Amerus - IA
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MultiChoice 10
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A
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0.0%
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None
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100%
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10 year
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0-90
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$5000 NQ
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note
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BMA - IA
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Index Master Dow 5
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A
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3% on 94% of premium
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10%
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0% Index spread or 3.25% fixed
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6,6,6,4,2
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0-85 non-qual., 0-80 qual.
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$5,000
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note
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BMA - IA
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Index Master S&P 7
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A
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3% on 92% of premium
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10%
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0% Index spread or 3.35% fixed rate
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7 year 8,8,8,7,6,4,2
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0-85 non-qual., 0-77 qual.
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$5,000 Addl. premiums of $1000 accepted
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note
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F&G - IA
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Index Rewards 5
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A
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0%
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8.50% monthly, 7.50% pt. to pt.
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100%
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10,10,10,10,10,8,6,4,2,1%
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0-85
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$5000
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note
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F&G - IA
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Loyalty Rewards
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A
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0%
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8.50% monthly, 7.00% pt. to pt.
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100%
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12 year 15,15,15,15,15,14,12,10,8,6,4,2%
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0-85
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$5000 single/$2000 per option/$2000 subseq. paymen
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note
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Lincoln Benefit-IA
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Savers Index
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A+
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3% on 90% of premium
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8.50% | 7.50%
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60% OR 100%
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7 years (8% level)
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0-75 annuitant (0-99 owner)
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$10,000
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note
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USG (ING) - IA
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Savers Index
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A+
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3% on 100% of premium
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7.50% Traditional, 5.50% Guaranteed
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100% for both Traditional & Guaranteed
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12,12,12,10,8,6,4
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0-85
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NQ- $5,000 single, $2,000 annual
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note
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Lincoln Benefit-IA
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Savers Index III
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A+
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3% on 90% of premium
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7.50% | 6.50%
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60% OR 100%
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10 years (10,10,9,9,8,8,7,6,4,2)
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0-85 annuitant (0-99 owner)
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$10,000 qual & non-qual Addl. dep of at least $150
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note
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Lincoln Benefit-IA
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Savers Index III
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A+
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0%
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8.50%
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60%
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10 year
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0-85
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$10000 NQ/Q
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note
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Jefferson Pilot - IA
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Choice 500 Plus
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A++
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0%
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None
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See note
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10 year
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0-85 NQ
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$5000 NQ
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note
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Jefferson Pilot - IA
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Choice Flex 500
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A++
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0%
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None
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See note
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12 year
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0-83
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$5000
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note
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N. American - IA
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Market Choice II
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A
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3% on 80% of premium for first year,
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Daily Averaging -None/ Pt. To Pt. 14%
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See special features
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10 years (10,10,10,10,10,10,8,6,4,2)
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0-75
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$10000 (2000 Q)
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note
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N. American - IA
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Market Choice Bonus
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A
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0%
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See Note
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Varies
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15 year
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0-79
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$5000 NQ
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note
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N. American - IA
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Simple Seven
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A
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0%
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20% for D.A., 12% for Pt. to Pt.
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75% for D.A., 75% for Pt. to Pt.
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7 years (12,12,12,10,8,6,4 +/-I.A.)
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0-75
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$10,000 ($2000 qualfied)
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note
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USG (ING) - IA
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Advantage Index Annuity
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A+
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0%
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None
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See Note
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9 year
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0-85
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$5000
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note
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USG (ING) - IA
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Heritage Index Annuity
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A+
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0%
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None
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Index Spread
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9 year 9,8,7,6,5,4,3,2,1
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0-85
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$5,000
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note
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USG (ING) - IA
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Secure Index
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A+
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3% on 100% of premium
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6.50% Traditional, 4.50% Guaranteed
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100% for both Traditional & Guaranteed
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12,12,12,10,8,6,4
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0-85
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$5000
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note
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Lafayette Life - IA
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Marquis Flex 5
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A
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1.5% or 100% of premium
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6.25%
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100%
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5 year 8,7,6,4,2
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0-85
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$1000 or $84/mo
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note
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Information is not meant to be a full representation of products or carriers. Please call or contact the annuity team for more information and to confirm rates at (801) 363-1215 x125 or email cort@stonehill.net
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