Last Updated 2019 October TRADITIONAL FIXED Annuity ...

Last Updated 01/14/20

TRADITIONAL FIXED

Annuity Product Reference Guide

Call us for details!

2020 January

OPEN HERE!

Your potential annuity sales await!

Happy New Year!

23.900%

FFOORR22YYEEAARRSS!!

3.890%

FOR 5 YEARS!

* EFFECTIVE JANUARY 8TH, 2020

* 2-YEAR OR 5-YEAR TERMS

* PRINCIPAL PROTECTION * COMPETITIVE COMP

PO BOX 2460, SALT LAKE CITY, UTAH 84110-2460 888-352-5178 FAX: 888-352-5126 WWW.

* MIN. PREMIUM OF $10,000 (QUAL OR NON-QUAL)

Interest rates as of January 8, 2020 and are subject to change without notice. EQUITABLE SECURE SAVINGSTM IS A PRODUCT OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. NOT A DEPOSIT. NOT INSURED BY A FEDERAL GOVERNMENT AGENCY. RESTRICTIONS APPLY. SURRENDER CHARGES AND MARKET VALUE ADJUSTMENT MAY APPLY TO WITHDRAWALS MADE DURING THE GUARANTEE PERIOD. POLICY MUST BE SURRENDERED WITHIN 30 DAYS FOLLOWING THE GUARANTEE PERIOD OR POLICY WILL AUTOMATICALLY RENEW. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. Available in all states except: CA, MN, NJ, and NY.

Contact us Today!

info@

(toll-free) 800.373.9807 (fax - new business) 877.484.8777 (fax - licensing) 800-293-9897

Hours: Mon-Thu: 8AM-5PM CST Fri: 8AM - 3PM CST

(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

Table of Contents - Company Overviews

3

MULTI-YEAR GUARANTEES

5

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY

A.M. Best Rating = A- (excellent) (888) 221-1234

5

AMERICAN GENERAL LIFE COMPANIES*

Policies issued by American General Life and United States Life (NY only)

A.M. Best Rating* = A (excellent) (888) 438-6933

6

AMERICAN NATIONAL INSURANCE COMPANY

A.M. Best Rating = A (excellent) (800) 835-5320

7

ATHENE ANNUITY & LIFE ASSURANCE COMPANY

A.M. Best Rating = A (excellent) (855) 428-4363, option 1

9

THE CAPITOL LIFE INSURANCE COMPANY

A.M. Best Rating = B++ (good) (800) 274-4825

10 EQUITABLE LIFE & CASUALTY INSURANCE COMPANY A.M. Best Rating = B+ (good) (800) 352-5121

11

EQUITRUST LIFE INSURANCE COMPANY

A.M. Best Rating = B++ (good) (866) 598-3694

11

GLOBAL ATLANTIC FINANCIAL GROUP

A.M. Best Rating = A (excellent) (866) 645-2449

12 GREAT AMERICAN LIFE INSURANCE COMPANY A.M. Best Rating = A (excellent) (800) 438-3398 x17197

14 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best Rating = B++ (good) (800) 767-7749

15 LIBERTY BANKERS LIFE INSURANCE COMPANY A.M. Best Rating = B++ (good) (800) 274-4829

16 LINCOLN FINANCIAL GROUP A.M. Best Rating = A+ (superior) (800) 238-6252

16 MUTUAL OF OMAHA A.M. Best Rating = A+ (superior) (800) 775-7898 x4168

17 NASSAU RE COMPANY A.M. Best Rating = B+ (good) 888-794-4447

17 NORTH AMERICAN COMPANY FOR LIFE AND HEALTH A.M. Best Rating = A+ (superior) (877) 586-0242 x35676

18 OXFORD LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (800) 308-2318

19 SAGICOR LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (888) 724-4267 x6180

(For Agent Use Only) Not intended for soliciting annuity sales from the public.

*The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurer financial strength. For current insurer financial strength ratings,

2

Rates and Commissions subject to change.

please consult our Internet Web page, ratings. See Advertising Disclosures

Check for current state approvals.

for additional information.

Multi-Year Guarantees

Company

Equitable Life HOT

Athene Annuity Sagicor (100k+)

Guggenheim

Oxford Life Guggenheim

Oxford Life

North American

Equitable Life HOT

Nassau RE

Nassau RE

Sagicor (100k+)

Liberty Bankers Life

Liberty Bankers Life

American National

Guggenheim EquiTrust Life

American Equity Oxford Life Sagicor ($100k+) Liberty Bankers Life American National

Nassau RE Nassau RE

Liberty Bankers Life Oxford Life Guggenheim

Equi-Trust Life

American National

Guggenheim

Oxford Life

Guggenheim

EquiTrust Life North American

AM Best Rating

B+ A A-

B++

A-

B++

A-

A+

B+

B+

B+

A-

B++

B++

A

B++ B++

AAAB++ A

B+ B+

B++ A+ B++

B++

A

B++

A-

B++

B++ A+

Surrender Charges

Product Name

2 years 3 years 3 years

3 years

3 years

5 years

5 years

5 years

5 years

5 years

5 years

5 years

5 years

5 years

6 years

6 years 6 years

6 years 6 years 7 years 7 years 7 years

7 years 7 years

7 years 8 years 8 years

8 years

9 years

9 years

10 years

10 years

10 years 10 years

Secure Savings ELITE MaxRate - 3

Milestone MYG - 3

Preserve MYG - 3

Multi-Select MYG - 3

Preserve MYG - 5

Multi-Select MYG - 5

Guarantee Choice - 5

Secure Savings ELITE

MYAnnuity5X

MYAnnuity5X (10% Free Withdrawal)

Milestone MYG - 5

Premier Plus - 5

Bankers Elite - 5

Palladium MYG - 6

Preserve MYG - 6

Choice Four: MVA & Liquidity Option Guarantee - 6 Multi-Select MYG - 6 Milestone - 7 Bankers Premier - 7 Palladium MYG - 7

MYAnnuity7X

MYAnnuity7X (10% Free Withdrawal) Bankers - 7 Multi Select MYG - 8 Preserve MYG - 8

Certainty Select ? 8

Palladium MYG - 9

Preserve MYG - 9

Multi-Select MYG - 10

Preserve MYG - 10

Certainty Select - 10 Guarantee Choice - 10

GUARANTEE PERIOD

1st Year Rate

Rate Thereafter

2.90% 1.15% 2.50%

2.30%

2.30%

2.75%

2.70%

2.00%

3.80%

3.35%

3.15%

3.00%

3.80%

3.15%

2.05%

2.90% 3.90%

1.85% 3.10% 3.05% 3.25% 3.15%

3.45% 3.25%

2.95% 3.25% 3.10%

2.70%

4.05%

3.15%

3.15%

3.20%

2.75% 2.00%

2.90% yrs. 1-2 1.15% yrs 2-3 2.50% yrs 2-3

2.30% yrs 2-3

2.30% yrs 2-3

2.75% yrs. 2-5

2.70% yrs 2-5

2.00% yrs. 2-5

3.80% yrs. 2-5

3.35% yrs. 2-5

3.15% yrs. 2-5

3.00% yrs. 2-7

2.80% yrs. 2-5

3.15% yrs. 2-5

2.05% yrs. 2-6

2.90% yrs. 2-6 Min. 2.00% yrs 2-6

1.85% yrs. 2-5 3.10% yrs. 2-6 3.05% yrs 2-7 3.25% yrs. 2-7 2.15% yrs. 2-7

3.45% yrs. 2-7 3.25% yrs. 2-7

2.95% yrs 2-7 3.25% yrs. 2-8 3.10% yrs. 2-8

2.70% yrs. 2-8

2.05% yrs. 2-9

3.15% yrs. 2-9

3.15% yrs. 2-10

3.20% yrs. 2-10

2.75% yrs. 2-10 2.00% yrs. 2-10

(Low Band Rates Shown)

Average Annual Yield

Commission (less at Older Ages)

2.90% 1.15% 2.50%

2.30%

2.30%

2.75%

1.25% 1.50% 1.25%

1.00%

1.00%

2.50%

2.70%

2.50%

2.00%

2.00%

3.80% GREAT 2.00%

3.35%

2.00% (Paper App)

3.15%

2.00% (Paper App)

3.00%

2.00%

3.00%

2.00%

3.15%

2.25%

2.05%

2.50%

2.90%

2.50%

Varies GREAT 5.50%

1.85%

2.75%

3.10%

1.50%

3.05%

2.25%

3.25%

2.15%

2.29%

2.50%

3.45% 2.50% (Paper App)

3.25% 2.50% (Paper App)

2.95%

4.00%

3.25%

1.2975%

3.10%

2.50%

2.70% GREAT 3.00%

2.27%

2.50%

3.15%

2.50%

3.15%

3.00%

3.20% GREAT 3.00%

3.00%

3.00%

2.00%

3.00%

3

For Agents Use Only . Call for state approvals. Rates and commissions subject to change. Check individual commission schedules for guaranteed accuracy and descriptions.

2.70%

2.90%

OPTIONS OF A 3-YEAR TO 10-YEAR RATE/GUARANTEE PERIOD

3-Year 2.30%

MULTI-SELECT RATE GUARANTEE PERIOD

5-Year

7-Year

9-Year

2.70%

2.95%

3.10%

10-Year 3.15%

1 Rate based on $20,000 or more in premium for the initial guaranteed period. Interest rates effective 12-01-2019 and are subject to change. Call for current rates. 2 Systematic withdrawal of interest in the first year, or two penalty-free withdrawals per year cumulatively, up to 10% of your accumulated value starting in the second year. Surrender/withdrawal and MVA charges will apply to withdrawals in excess of the penalty free amount.

The Oxford Life Multi-SelectTM annuity is issued by Oxford Life Insurance Company. A comprehensive description of the policy benefits, costs, exclusions, limitations and terms is available to you upon request. An investment in this contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract. Not available in all states. For more information, please refer to policy form ICC14-MYGA0814, DA520, and GLWB320 and state-specific variations where applicable.

Not FDIC/NCUA insured. Not a deposit of a bank. Not bank guaranteed. May lose value. Not insured by any federal government agency.

3.80%

THIS IS A SOLICITATION FOR ANNUITY PRODUCTS

SURRENDER CHARGES AND MARKET VALUE ADJUSTMENT MAY APPLY TO WITHDRAWALS MADE DURING THE GUARANTEE PERIOD. DEATH BENEFIT PAYS CASH SURRENDER VALUE. OPTIONAL WITHDRAWAL BENEFITS MAY BE AVAILABLE FOR A REDUCTION OF THE CREDITING RATE. INTEREST RATES AS OF NOVEMBER 4, 2019 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. EQUITABLE SECURE SAVINGSTM ELITE IS A PRODUCT OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. NOT INSURED BY A FEDERAL GOVERNMENT AGENCY. RESTRICTIONS APPLY. POLICY MUST BE SURRENDERED WITHIN 30 DAYS FOLLOWING THE GUARANTEE PERIOD OR POLICY WILL AUTOMATICALLY RENEW. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.

ELC-SSE-NP1- Rev110419

4

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)

FIXED PRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium

Withdrawal Provisions

Surrender Charges

Issue Ages

Guarantee 5 Guarantee 6 Guarantee 7

Guarantee 5 1.80%

Guarantee 6 1.85%

Guarantee 7 1.90%

MGIR: Currently 1.75%

Minimum: $10,000

Maximum: 18-69: $1,500,000 70-74: $1,000,000 75-80: $750,000 81-85: $500,000

Annually, Penalty-free withdrawal of interest credited that contract year. Systematic With-

drawal & RMD immediately

5 years (9, 8, 7, 6, 5, 0%)

6 years (9, 8, 7, 6, 5, 4, 0%)

7 years (9, 8, 7, 6, 5, 4, 3, 0%)

18-85 Q and NQ

AMERICAN GENERAL LIFE COMPANIES (AGLC)

Rates effective as of 10-10-2019

MVA Y=Yes N=No

Y

Commission

3.00% Ages 18-75

2.10% Ages 76-80

1.50% Ages 81-85

States Not Available

NY

Rates effective as of 12-16-2019

FIXED PRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium

Withdrawal Provisions

Surrender Charges

Issue Ages

MVA Y=Yes N=No

Commission

States Not Available

American PathwaySM Fixed 5 Annuity

With Guarantee ROP: >$100,000

Year 5 2.10% (MVA) 2.15% $100,000

Year 5 2.10% (MVA) 2.25% $100,000

Year 7 2.05% (MVA) 2.25%

Penalty-Free Withdrawal Privilege: After 30 days from contract date Extended Care Waiver: After 1st contract year, early withdrawal charge fees will be waived if the owner is confined to a qualifying insitution or extended care facility

for 90 consecutive days or longer.

Year 7

$100,000

Year 7 2.10% (MVA) 2.25% ................
................

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