Last Updated 2020 March TRADITIONAL FIXED Annuity Product ...

Last Updated 03/17/20

TRADITIONAL FIXED

Annuity Product Reference Guide

Call us for details!

March 2020

OPEN HERE!

Your potential annuity sales await!

23.4050%

FFOORR22YYEEAARRSS!!

3.2950%

FOR 5 YEARS!

* EFFECTIVE FEBRUARY 14, 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)

Contact us Today!

Doug Mitchell dmitchell@

(334) 821-7137 (334) 209-0541

Interest rates as of February 14, 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.

(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

4

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY

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

4

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

5

AMERICAN NATIONAL INSURANCE COMPANY

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

6

ATHENE ANNUITY & LIFE ASSURANCE COMPANY

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

7

THE CAPITOL LIFE INSURANCE COMPANY

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

8

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY

A.M. Best Rating = B+ (good) (800) 352-5121

9

EQUITRUST LIFE INSURANCE COMPANY

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

9

GLOBAL ATLANTIC FINANCIAL GROUP

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

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

11

GUGGENHEIM LIFE & ANNUITY COMPANY

A.M. Best Rating = B++ (good) (800) 767-7749

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

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

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

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

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

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

16 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

2.45% 1.15% 2.50%

2.30%

2.00%

2.60%

2.40%

2.00%

3.25%

3.05%

2.85%

3.00%

3.60%

3.00%

2.75%

2.75% 3.50%

1.85% 2.80% 3.05% 3.00% 3.60%

3.15% 2.95%

2.70% 2.95% 2.85%

2.70%

4.50%

2.90%

2.85%

3.00%

2.75% 2.00%

2.45% yrs. 1-2 1.15% yrs 2-3 2.50% yrs 2-3

2.30% yrs 2-3

2.00% yrs 2-3

2.60% yrs. 2-5

2.40% yrs 2-5

2.00% yrs. 2-5

3.25% yrs. 2-5

3.05% yrs. 2-5

2.85% yrs. 2-5

3.00% yrs. 2-7

2.60% yrs. 2-5

3.00% yrs. 2-5

2.75% yrs. 2-6

2.75% yrs. 2-6 Min. 2.00% yrs 2-6

1.85% yrs. 2-5 2.80% yrs. 2-6 3.05% yrs 2-7 3.00% yrs. 2-7 2.60% yrs. 2-7

3.15% yrs. 2-7 2.95% yrs. 2-7

2.70% yrs 2-7 2.95% yrs. 2-8 2.85% yrs. 2-8

2.70% yrs. 2-8

2.50% yrs. 2-9

2.90% yrs. 2-9

2.85% yrs. 2-10

3.00% 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)

2.45% 1.15% 2.50%

2.30%

2.00%

2.60%

1.25% 1.50% 1.25%

1.00%

1.00%

2.50%

2.40%

2.50%

2.00%

2.00%

3.25% GREAT 2.00%

3.05%

2.00% (Paper App)

2.85%

2.00% (Paper App)

3.00%

2.00%

3.00%

2.00%

3.00%

2.25%

2.75%

2.50%

2.75%

2.50%

Varies GREAT 5.50%

1.85%

2.75%

2.80%

1.50%

3.05%

2.25%

3.00%

2.15%

2.74%

2.50%

3.15% 2.50% (Paper App)

2.95% 2.50% (Paper App)

2.70%

4.00%

2.95%

1.2975%

2.85%

2.50%

2.70% GREAT 3.00%

2.72%

2.50%

2.90%

2.50%

2.85%

3.00%

3.00% 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.

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 03-09-2020

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 1.85% (MVA) 2.00% $100,000

Year 5 1.85% (MVA) 2.00% $100,000

Year 7 1.85% (MVA) 2.00%

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 1.85% (MVA) 2.00% $100,000 Yr. 1 - 7.10%, Base Rate - 2.10%

Starting in the first contract year, you can withdraw up to 10% of your annuity value as of the beginning of your annuity's contract

NEW

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