Comparative Annuity Reports

[Pages:14]Comparative Annuity Reports

Your guide to comparing data about Single Premium and Flexible Premium Deferred Annuity and Single Premium Immediate Annuity programs

November 2006

Phone 866-866-1999



Volume 27 Issue 11

SUMMARY OF ANNUITY TRENDS

(Copyright ? 2006 , Inc. All Rights Reserved)

FLEXIBLE PREMIUM DEFERRED ANNUITY (FPDA) RATES

Average of Top 100 (Base Interest Rate)

Nov-06 3.71%

Aug-06 3.79%

Nov-05 3.51%

Highest Annual (Base Interest Rate)

5.05%

5.25%

4.70%

SINGLE PREMIUM DEFERRED ANNUITY (SPDA) RATES

Average of Top 100 (Base Interest Rate)

Nov-06 4.29%

Aug-06 4.39%

Nov-05 3.92%

Highest Annual (Base Interest Rate)

5.70%

5.70%

5.00%

These tables exclude FPDA/ SPDA 2-Tier programs and other programs which do not permit total withdrawal/ rollover of Account Value at retirement.

MULTI-YEAR GUARANTEE (MYG-CD-like) DEFERRED ANNUITY RATES

Highest Annual Rate for Period

3-Year annuity

Nov-06 4.38%

Aug-06 4.85%

Nov-05 3.75%

4-Year annuity

4.60%

4.80% 4.00%

5-Year annuity

4.85%

5.10% 4.70%

6-Year annuity

4.90%

5.15% 4.55%

7-Year annuity

4.90%

5.15% 4.30%

8-Year annuity

5.00%

5.28% 4.35%

9-Year annuity

4.95%

5.20% 4.20%

10-Year annuity

5.00%

5.35% 4.50%

These annuities may offer higher net interest rates compared with bank CDs due to tax deferral on interest earned but not withdrawn.

*SINGLE PREMIUM IMMEDIATE ANNUITY (SPIA) FACTORS

(Monthly income per $1000 premium)

SPIA Factor Averages listed below are derived from top 40 companies surveyed by our study

Average Annuity Payout Factor, Male Age 65

Nov-06 $6.38

Aug-06 Nov-05 $6.46 *****

Average Annuity Payout $6.06 Factor, Female Age 65

$6.08 *****

Average Annuity Payout $7.84 Factor, Male Age 75

$7.89 $7.63

Average Annuity Payout $7.43 Factor Female Age 75

$7.47 $7.23

***** Historical data on Age 65 SPIA not yet available.

Comparative Annuity Report Data on FPDA, SPDA, Multi-year, and SPIA annuities are quoted monthly in Kiplinger's Retirement Report.

* SPIA payout factors listed are for the Life & 10 Year Certain Option. Consumers should bear in mind this is only one of many income for life payout options through a Single Premium Immediate Annuity (SPIA). The Life & 10 Year Certain Option was selected as a "middle ground" between Life Only (higher monthly income) or the Life with Joint & Survivor Option (continued payment for the life of the annuitant as well as lifetime of surviving spouse... lower monthly payments). The above options are only a few of the many choices providing lifetime income through a SPIA. Remember, as an annuitant one, cannot outlive the guaranteed income provided by the life based SPIA. Please see our attached study on "Comparison of Single Premium Immediate Annuity (SPIA) Programs" for more important details.

Important Disclaimer: All rates published in this newsletter are subject to change without notice and may vary from state to state.

FPDA (Flexible Premium Deferred Annuity) Study Sorted by: Alphabetical Order

COMPARATIVE ANNUITY REPORT November 2006 Copyright 2006 , Inc. All rights reserved.

Insurance Company / Plan Name

Aetna Life & Annuity (ING)/ Premier + AIG American General/ Horizon Flex Allstate Life/ Savers Premier Allstate Life/ Sure Horizon American Equity Invest' /FP Super 7 American Equity Invest' /FPDA-3 American Equity Invest' /Guar' + 1 American Fidelity/ B-TA American Fidelity/ High Int. Opt. American Investors Life/ FPDA-P10 American Investors Life/ P4+ American National/ 97 Preferred Plus American United/ Secure 5 American United/ Secure 5+ AmerUs Life/ Multi Choice 6/ 1 Yr AMEX/ Retirement Advisor/Advt + 7 Yr AMEX/ Retirement Advisor/Advt +10 Yr Aviva Life/ FPRA Aviva Life/ Maximizer I Beneficial Life/ Advantage-11A+(A) Beneficial Standard(Conseco)FP737 Catholic Knights/ Knight Advantage Catholic Knights/ Knight Classic Catholic Knights/ Knight Maximizer IV Conseco Annuity Assur./H'k Marquee Country Investors Life/ FPRA EMC National Life/FPDA Farm Bureau Life Select 4-Portfolio 6 Farm Bureau Life Select 4-Portfolio 10 Farm Bureau of Mich./ Flex II Fort Dearborn Life/ Flex Fortifier 4 GenWorth Financial/Secure Living Smart Golden Rule Premier Advantage Golden Rule/ Flex Vantage Great American Life/ Freedom - 10ST Great American Life/ TSA III (Non-Grp) Hartford Life/ Director Horace Mann Life/Alternative II 5Yr Horace Mann Life/Alternative II 10Yr ING USA Life & Annuity/ Retirement+NQ ING USA Life & Annuity/ Retirement+TSA Integrity Life/New Momentum - 2Yr Integrity Life/New Momentum - 3Yr Integrity Life/New Momentum - 5Yr Integrity Life/New Momentum - 7Yr Integrity Life/New Momentum - 10Yr Jackson National / Flex I Jefferson Pilot Life/ Flex 5 Jefferson Pilot Life/ Pilot Plus (MVA) John Alden (SunAmerica)/ No-Load+ John Hancock Life/ Allegiance Prfd. Kansas City Life/ Growth Track Kansas City Life/ Security Track Keyport Life(Sun - Canada) Value 5 Keyport Life(Sun - Canada) Value 6 Keyport Life(Sun - Canada) Value 7 Knights of Columbus/ FPDA Layfayette Life Ins. Co./ Horizon I Liberty National Life Ins. Co./ FPDA Life of the Southwest/ Flex 1 Life of the Southwest/ Flex 10 Life of the Southwest/ Flex 3000 Lincoln Benefit / Futurist's Gold I Metropolitan Life/Growth+ Account Metropolitan Life/Preference+ Acct MFS/SunLife/RegattaChoice-7 Yr

AM Best's Rating

A+g A +gu A+g A+g B ++g B ++g B ++g

A + A + A g A g A + A g A g A g A A A g A g A B ++g NR-5 NR-5 NR-5 B ++g A+r B ++ A A A A + A+g A u A u A g A g A+g A-g A-g A+g A+g A ++g A ++g A ++g A ++g A ++g A+g A ++g A ++g A-g A ++g A g A g A ++g A ++g A ++g A ++ A+ A+g A g A g A g A+r A+g A+g A ++g

Interest Rates

V Base Yr. 1 Guar.

R Rate Bonus Rate

N 3.60%

3.00%

Y 4.20% 2.00% 3.00%

Y N/A

3.00%

Y 3.50% 1.00% 2.00%

N 4.50% 7.00% 2.25%

N 4.50% 3.00% 2.25%

N 3.10% 1.00% 2.25%

N 3.00%

3.00%

N 3.50%

3.00%

N 3.50% 1.00% 2.00%

N 3.50% 2.00% 2.00%

N 4.00%

3.00%

N 3.50% 1.00% 2.00%

N 3.50% 1.00% 2.00%

N 3.00%

2.00%

N 2.10%

2.00%

N 2.10%

+

2.00%

N 4.30%

3.50%

N 3.00%

3.00%

N 3.30% 3.00% 3.00%

N 4.00%

4.00%

N 3.60%

3.00%

N 4.10%

3.00%

N 4.30%

4.00%

N 3.00% 3.00% 3.00%

N 3.60%

2.50%

N 4.00% 1.00% 3.00%

N 3.70%

3.00%

N 4.05%

3.00%

N 4.40%

3.00%

N N/A

4.00%

N 3.10% 3.00% 2.00%

N 3.50% 0.50% 3.00%

N 3.50% 1.00% 3.00%

N 3.10% 1.50% 2.50%

N 3.05%

2.00%

N 1.50%

1.50%

N 3.00%

3.00%

N 3.00%

3.00%

N 3.40%

3.00%

N 4.00%

3.00%

Y 3.60% 0.75% 2.00%

Y 3.90% 0.75% 2.00%

Y 4.05% 0.75% 2.00%

Y 4.20% 0.75% 2.00%

Y 4.40% 0.75% 2.00%

N N/A

3.00%

Y N/A

3.50%

Y 3.20% 2.00% 3.00%

N 4.00%

4.00%

N 3.00%

3.00%

N 4.50% 1.00% 3.00%

N 4.00/4.25% 0.25% 3.00%

N 3.05% 3.00% 1.50%

N 3.20% 3.00% 1.50%

N 3.40% 3.00% 1.50%

Y 4.20%

3.00%

Y N/A

4.00%

N 4.00%

4.00%

N 3.10%

1.50%

N 3.10% 1.00% 1.50%

N 3.00% 1.00% 1.50%

N N/A

2.00%

N 3.00%

3.00%

N 3.00%

3.00%

N 3.00%

3.00%

Cr Method/

Surrender Charge Schedule

Yr(s) Base Int

Total Number of Years/ and

Rate Guar

Percent of Charge Year One to End

P 7 Yrs/ 8-8-7-6-5-3-2-0

B 7 Yrs/ 8-8-8-7-6-5-3-1-0

B 7 Yrs/ 8-7-6-5-4-3-2-0

B 6 Yrs/ 8-8-7-6-5-4-0

B 10 Yrs/12-12-11-10-9-8-7-6-4-2-0

B 10 Yrs/12-12-11-10-9-8-7-6-4-2-0

B 10 Yrs/12-12-11-10-9-8-7-6-4-2-0

P None

P 10 Yrs/ 6-6-6-6-6-6-4-4-4-4-0

B 10 Yrs/ 12-12-11-10-9-8-7-6-5-3-0

B 12 Yrs/12-11-10-9-8-7-6-5-4-3-2-1-0

P 7 Yrs/ 9-8-7-6-5-4-3-2-0

B 5 Yrs Rolling/ 8-8-7-6-5-0

B 5 Yrs Rolling/ 8-8-7-6-5-0

P 6 Yrs/ 10-9-8-7-6-4-0

B 7 Yrs/ 7-7-6-5-4-3-2-0

B

10Yrs/8-8-7-7-6-5-4-3-2-0 (+=1% prem. bonus)

P 5 Yrs/ 16-13-10-7-4-0

B 5 Yrs/ 16-13-10-7-4-0

B 11 Yrs/ 11-10-9-8-7-6-5-4-2-2-1-0

B 20% of 1st Year Forever and Lower CV Rate

P 2 Yrs/ 6-3-0

P 6 Yrs/ 6-5-4-3-2-1-0

P 10 Yrs/ 10-9-8-7-6-5-4-3-2-1-0

B 9 Yrs/ 12-12-11-10-9-8-6-4-2-0

P 10 Yrs/ 10-9-8-7-6-5-4-3-2-1-0

P 6 Yrs/ 8-8-7-6-4-2-0

P 10 Yrs/ 10-9-8-7-6-5-4-3-2-1-0

P 10 Yrs/ 10-9-8-7-6-5-4-3-2-1-0

P 8 Yrs/ 8-7-6-5-4-3-2-1-0

B 6 Yrs/ 6-5-4-3-2-1-0

B 7 Yrs/ 7-7-7-6-5-4-3-0

B 7 Yrs/ 7-6-5-4-3-2-2-0

B 10 Yrs/ 9-9-8-7-6-5-4-3-2-1-0

B 10 Yrs/ 9-9-8-7-6-5-4-3-2-1-0

B 5 Yrs/ 5-4-3-2-1-0

P 7 Yrs Rolling/ 6-6-5-5-4-3-2-0

B 5 Yrs/ 8-8-6-4-2-0

B 5 Yrs/ 8-8-6-4-2-0

B 9 Yrs/ 9-9-8-7-6-5-4-3-2-0

B 9 Yrs/ 9-9-8-7-6-5-4-3-2-0

C/2Yrs 7 Yrs/ 8-7-6-5-4-3-2-1-0+ MVA

C/3Yrs 7 Yrs/ 8-7-6-5-4-2-0+ MVA

C/5Yrs 7 Yrs/ 8-7-6-5-4-2-0+ MVA

C/7Yrs 7 Yrs/ 8-7-6-5-4-2-0+ MVA

C/10Yrs 10 Yrs/ 8-7-6-5-4-3-2-0+3Yr MVA

B 7 Yrs/ 10-9-8-7-6-3-0

B 5 Yrs/ 7-7-6-5-4-0

B 10 Yrs/ 9-8-7-6-5-4.5-3.5-2.5-1.5-.75+MVA

B 20% of 1st year forever & lower CV rate

B 7 Yrs/8-7-6-5-4-3-2-0

B 10 Yrs/ 10-9-8-7-6-5-4-3-2-1-0

B 7 Yrs/ 8-8-7-6-5-4-2-0 (+.25>$50K)

C/ 5Yr 5 Yrs/7-6-5-4-3-0+MVA

C/ 6Yr 6 Yrs/ 7-6-5-4-3-2-0+MVA

C/ 7Yr 7 Yrs/7-6-5-4-3-2-1-0+MVA

P 7 Yrs/ 5-5-4-4-3-2-0

B 5 Yrs/ 8-8-6-4-2-0

P 6 Yrs/ 12-10-8-6-4-2-0

B 6 Yrs/ 10-9-8-7-6-4-0

B 10 Yrs/ 10-9-8-7-6-5-4-3-2-1-0

B 7 Yrs/ 7-6-5-4-3-2-1-0

P 7 Yrs/ 7-7-7-6-5-4-3-0

B 7 Yrs Rolling/ 7-6-5-4-3-2-1-0

B 7 Yrs Rolling/ 7-6-5-4-3-2-1-0

B 7 Yrs/7-7-6-6-5-4-3-0

Minimum Premium

per $K $5K $5K >>> $3K $5K $5K $5K >>> >>> $5K $5K >>> $5K

$100K $5K $2K $2K $.5K $.5K 5K >>> >>> >>> >>> $2-5K >>> $.1K $.5K $.5K >>> $1K $5K $2K $2K $5K >>> $1K $.05K $.05K $.5K $.5K $5K $5K $5K $5K $5K $.75K $5K $5K >>> $10K $.6K >>> $5K $5K $5K $.3K ** >>> >>> >>> >>> $1K None None $10K

Min' $ Amount Max

EFT or Payroll Issue

Deduction Age

**

**

$50K)

B 7 Yrs/ 8-8-7-6-5-4-3-0

B 6 Yrs/ 8-7-6-5-4-3-2-0

P 8 Yrs/ 8-7-6-5-4-3-2-1-0

B 9 Yrs/ 9-9-8-7-6-5-4-3-2-0

C/ 7Yr 7 Yrs/7-6-5-4-3-2-1-0+MVA

B 10 Yrs/10-10-9-9-7-5-5-5-5-5-0

B 10 Yrs/10-10-9-9-8-7-6-555-0

B 10 Yrs/10-10-9-9-7-5-5-5-5-5-0

B 10 Yrs/ 9-9-8-7-6-5-4-3-2-1-0

B 8 Yrs/ 8-8-7-6-4-3-2-0 ( than LB)

-

"

SPIA quotes moved to MA from RI

-

203-772-2130x4335

Ken Lem/ Brian Cassidy x368

203-772-4106

8-443-8793x3242/ x3246 Mike Donahue/ Roger Bell

765-477-3247

205-325-2722x2691

Margaret Kirkland/ Lorraine King

-

"

"

"

8-906-3310

Annuity Mktg (Prime) Jim/Chris/Elma 214-638-9168

8-543-3794x??

Main # at LSW

"

"

"

"

8-525-2799+2+1+3*to return+4 (Savr. Chce Premier 2yr No Rtn. Prm.)

888-525-7355+1 (Prime) *Anty Mktg (Prime)*

402-479-7537

+5yr $50K + $50K rate



"

201-761-4642

Randy Ruthnick SPIA Prime

212-447-1190

8-752-7218/2-0

Anty H. L. 0=customer serv.

-

877-586-0241 (Prime) x3 Annuity Mktg (press 3) (Mary)

877-586-0249

Note: MNL closes Friday (noon)

"

877-586-0240

Robert "Bob" Te Kolste, CLU, VP Mktg 877-586-0249

651-665-4598

Nancy Bustamante (Prime)

651-665-4700

212-708-2041

Connie Palm (Compliance)

212-708-2868

212-314-5164

Gerald Jerry Jalazo Pr. SPIA

212-708-2974

Primary 212-314-5702

Seong-min Eom

"

"

"

"

"

Seong-min Eom

"

212-224-1709

Paul O' Hara

212-224-2527

212-224-1709

Paul O' Hara

212-224-2527

8-762-9883+1 Pr-Anty Mktg Heather - Sue/Pr Mike Patera x 5003 608-257-4308

608-257-5612

Ben Sugar

608-257-1318

8-536-5934+3/7109

Kathy Robinson

802-229-7197

802-229-3669

Mary Gregoire (SPIA Rates Pr.)

802-229-7197

8-536-5934+3

Linda Whitcomb

"

"

"

"

802-229-7109

Kathy Robinson

"

8-531-5442x307

Riley Hoover AV=2.50%xCV

-

8-848-6331+0/ 8-848-7529 Brad Baldridge

(Prime(+0+3)) 614-249-0899

877-665-2468+2+1+6

Anty H. L. (* to return)(+3 for Fast Tm) 513-794-4508

877-665-2468+2+1+6

Anty H. L. (* to return)(+3 for Fast Tm) 513-794-4508

8-800-7681+2+2+1+1

Anty H. L. *to return

-

"

Rate guaranteed for 3 yrs

-

"

Rate guaranteed for 5 yrs

-

8-818-8184+2+1x8062/8412 Tom Nurse/ Patrick Kenyon

215-956-8029

8-818-8184+1x8012

rautenstrauch.carol@

"

" x

(Prime)

"

"

"

"

8-797-9177+2

Cindy Ramsey (AEGON) x4534 502-560-3610

8-201-8010+1

Alicia Shelman/ SPIA (Denise Sears)

"

877-500-7542 (Anty Mktg) Sam Cooper (5% Guar for 4 Yrs)

-

877-500-7542 (Anty Mktg) Sam Cooper (5% Guar for 4 Yrs)

-

"

physicians

-

"

Donna Ries (Un-O Alum) (Leah)

-

"

"

-

8-343-7772x138

Jason Lee/ Brk's Serv. Mkt Grp

401-633-4000

"

"

-

"

"

-

8-926-7599x458/454

Mike Maloney/Gary Nettler(Pr SPIAs)

"

8-926-7599x491

Liana Salina/ Reedlan

914-353-0273

"

"

"

8-351-7500+6(Sales)+4H.L. Prime NC-A on 12/1

215-787-3895

215-787-4066#

Emily Paynich NC-A on12/1

"

8-888-2461x3342 1st Hit 11 Barbara Pimentel

785-431-3223

"

"

"

607-723-3551x417x295

Lisa Canfield/ TracyLeslie

607-772-6726

"

"

"

"

"

(4 States Only)

"

"

"

"

715-346-6000x1404

Primary

715-346-7283

Keyport SPIA + Fixed

888-388-8748 +2

(See MFS)

8-445-7862 (0-2 Person) Fixed Anty Dept Mktg

310-772-6377

888-333-2349 Fixed Anty. Prm. (+0 AIG) 818-673-4087

8-842-2733x3107

Jacob Rue/Michael x5338

212-916-6733

8-842-2733x5352/ x5311 Pr. Peretz Perl/ Sol Borger /Altrnt. x5338 212-916-6733

x5306/+5311 Prime Michael Heller/ Sol Borger (Prime)

"

8-847-4836/612-340-8179 Howard Rogotzke/SPIA Mary Kendall 920-730-4725

8-847-4836/612-340-8179 Howard Rogotzke x38179

"

"

x7277 Chris Lindfet

"

"

"

"

"

"

"

"

"

"

"

"

"

"

"

"

8-887-2837+2&+3 Pr. *Rtn. Hotline (Secure Value 5)

-

8-821-9095

2ndy # for rates

-

8-887-2837+2&+3 Pr. *Rtn. Hotline (Secure Value 5)

-

8-852-4678/888-862-1936+0 Customer Service/ West'n Req Mktg Ctr

"

800-88Rates(Pr)+2+2

Anty H.L. (Helen Kong)

626-229-9299

8-842-9406/+2+1-0-/ Prim 0x2 Customer Service (hit 0 2 times then +2)

-

8-842-4015 Prime #1

Qual Mktg

"

SPDA (Single Premium Deferred Annuity) Study Sorted by: Alphabetical Order

COMPARATIVE ANNUITY REPORT November 2006 Copyright 2006 , Inc. All rights reserved.

Insurance Company / Plan Name

Union Central Life/ SPDA2000-1Yr Union Central Life/ SPDA2000-6Yr United Heritage Mutual/ Eagle-8 United Heritage Mutual/Sec Value 5 United Investors Life/ Century I+ United of Omaha/Ultra Annuity 1 Yr United of Omaha/Ultra Annuity 3 Yr USAA Life Ins. Co./ Ext'd Guar'- 2 Yr USAA Life Ins. Co./ Ext'd Guar'- 5 Yr USAA Life Ins. Co./ Ext'd Guar'- 10 Yr USAA Life Ins. Co./ Per'l Pension USAA Life Ins. Co./ SPDA II VALIC/ Portfolio Director VALIC/ V-Plan Western United/DiscoverMaxVoygr. Western United/TD Max William Penn Life of NY/ SPDA-1Yr Woodmen of the World Life/Basic-NQ

AM Best's Rating

A-u A-u A A A+g A g A g A ++g A ++g A ++g A ++g A ++g A+gu A+gu R R A+g A +

Interest Rates

Cr Method/

Surrender Charge Schedule

V Base Yr. 1 Guar. Yr(s) Base Int

Total Number of Years/ and

R Rate Bonus Rate Rate Guar Percent of Charge Year One to End

N 5.00%

2.00%

B 6 Yrs/ 7-6-5-4-3-2-0 $50K

N 3.50% 1.00% 1.50%

P 10 Yrs/ 8-8-8-7-6-5-4-3-2-1-0

N 3.50%

1.50% C/ 5 Yrs 5 Yrs/ 7-7-6-5-4-0

N 3.50%

3.50%

P 8 Yrs/ 8-7-6-5-4-3-2-1-0

N 3.50% 1.00% 2.00%

P 6 Yrs/ 7-7-7-6-4-2-0

N 3.50%

2.00%

P 6 Yrs/ 7-7-7-6-4-2-0 (* =.35% for 3 Yrs)

Y 5.00%

3.65% C/ 2 Yrs 2 Yrs/ 8-8-0

Y 5.70%

5.40% C/ 5 Yrs 5 Yrs/ 8-8-7-6-5.2-0

Y 4.60%

3.85% C/ 10 Yrs 10 Yrs/ 8-8-7-6-5.2-4-3-2-1-1-0

Y 5.00% 3.00% .00-3.00% P

N/S= None Surrenderable (+1% Prem Bonus)

Y 4.50% 1.00% .00-3.00% P 10 Yrs/ 9-9-8-7-6-5-4-3-2-1-0

Y 4.00%

3.00%

B 5 Yrs Rolling 5%

Y 4.50%

4.50%

B 5 Yrs Rolling 5%

N 3.50% 3.00% 3.00%

B 6 Yrs/ 8-8-7-6-5-4-0 (Bailout@3%)

N 3.60% + 3.00% C/ 5 Yrs 5 Yrs/ 8-8-7-6-5 (+=4.00 for 5 Yrs)

N 3.50%

1.50%

P 7 Yrs/ 7-6-5-4-3-2-1-0

N 4.15% 0.60% 3.00%

P 9 Yrs/ 7-7-7-6-5-4-3-2-1-0

Min' Prem'

$K $5K $5K $8K $5K ** $5K $5K $50K $20K $20K $5K $10K $1K $1K $5K $5K $2K $5K

Max' Issue Age

85 85 90 85 80 89 89 100 100 100 85 100 None None 100 100 80 85

Bail Out Prov'n No No No No No No No No No No No No No No Y Y No No

Max' Antz'n Age A85** A85** None None None

95 95 100 100 100 100 100 None None 100 100 85 None

Free Out Avail' Y* Y* Y* Y* No Y* Y* Y* Y* Y* No Y* Y** Y** Y** Y** Y* Y**

Accepts

Added

Premium No No No No Y

Y-1/2 Yr No No No No Y** No

Y-$1K Y-$1K

No No Y** No

Charges

Waived

At Death Y-A** Y-A** Y-A Y-A Y-A Y-O** Y-O** Y-A Y-A Y-A

No Y-A Y** Y** Y-A Y-A Y** Y**

Nursing

Home

Waiver Y** Y** Y** Y** No Y** Y** No No No No No No No Y** Y** No Y**

Annuitization Waiver

Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** Y** No

Master Factors

>$100K >$100K AV=1.01 CV=.99 CV=.99

Bx .9999

Secondary Number (if any)

Phone

Contact

FAX

Number

Name

Number

8-825-1551x2928

Nancy King/Lisa

513-595-2202

" x2408

Molly Swami (Prime)

"

8-657-6351x225/x287

Deb Sloan/ Brian Montgomery (prime) 208-466-2989

208-466-7856 (Fri. 8am-3pm) John Bellamy (Anty Mktg Dir)

"

8-288-2722+6x2013/4989 Dawn Moraski/ Sylvia Weeks (prime) 205-325-2720

402-342-7600/Main#

Pr. Anty # 8-707-6898+4

402-351-2923

402-351-4786 Pr.

Tim Nielsen Pr. (.35 for 3 yrs = Bx1.01)

"

" +69051/ +73400 Mitch Swanda 2ndy

8-531-8000 x82388/x82660 Zhenjie Hou/ Chris Ogburn

8-531-8000 x69226

Gary Neill/ Robert McCall x69218 210-498-8466

8-531-8000 x84247

Prime/ Naomi Garcia - Hoak

>$100K

Barbara Nelson 2ndy(Comp Area)

713-831-5360

Hank Lewis

713-831-6161

713-831-8221

Bill Miles

"

8-541-0828/8-247-2045

Scott Cordell/ Dave Knecht (Max Voyager) 509-835-2759

"

"

"

8-346-4773x5-3026

Mary Schuck (retired)

516-229-3030

402-271-7882/997-7988

Randy Rotsheafer/Craig Topham

402-449-7732

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