Last Updated 2020 April TRADITIONAL FIXED Annuity Product ...

Last Updated

04/01/20

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TRADITIONAL FIXED

Annuity Product Reference Guide

2020

April

OPEN HERE!

Your potential annuity

sales await!

ils!

s

ll u

for

ta

de

Ca

2.30%

3.00%

FOR

FOR22YEARS!

YEARS!

3.10%

3.90%

FOR 5 YEARS!

Contact us Today!

Enter Company Name Here

* EFFECTIVE APRIL 1, 2020

Your Complete Address

* 2-YEAR OR 5-YEAR TERMS

* PRINCIPAL PROTECTION

PO BOX 2460, SALT LAKE CITY, UTAH 84110-2460

888-352-5178 FAX: 888-352-5126

WWW.

* COMPETITIVE COMP

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

Interest rates as of April 1, 2020 and are subject to change without notice. EQUITABLE SECURE SAVINGS? 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.

Enter Company Web Address Here

phone

fax:

Any Contacts and phone extensions

(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.

Rates and Commissions subject to change.

Check for current state approvals.

*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,

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

for additional information.

2

Multi-Year Guarantees

Company

Equitable Life HOT

Athene Annuity

Sagicor (100k+)

AM Best

Rating

Surrender

Charges

B+

A

A-

2 years

3 years

3 years

MaxRate - 3

3 years

5 years

5 years

5 years

Multi-Select MYG - 3

Preserve MYG - 5

Multi-Select MYG - 5

Guarantee Choice - 5

Product Name

Secure Savings ELITE

Milestone MYG - 3

(Low Band Rates Shown)

GUARANTEE PERIOD

1st Year

Rate Thereafter

Rate

2.30%

1.15%

2.50%

Average

Annual Yield

2.30% yrs. 1-2

1.15% yrs 2-3

2.50% yrs 2-3

2.30%

1.15%

2.50%

Guggenheim

B++

3 years

Preserve MYG - 3

2.15%

2.15% yrs 2-3

Equitable Life HOT

B+

5 years

Secure Savings ELITE

3.10%

3.10% yrs. 2-5

A-

5 years

Milestone MYG - 5

3.00%

3.00% yrs. 2-7

3.00%

Liberty Bankers Life

B++

5 years

Bankers Elite - 5

2.75%

2.75% yrs. 2-5

2.75%

Guggenheim

EquiTrust Life

B++

B++

6 years

6 years

Preserve MYG - 6

2.60%

3.50%

2.60% yrs. 2-6

Min. 2.00% yrs 2-6 GREAT

2.60%

Varies

Nassau RE

Nassau RE

B+

B+

7 years

7 years

2.60%

2.40%

2.60% yrs. 2-7

2.40% yrs. 2-7

2.60%

2.40%

Equi-Trust Life

B++

8 years

Certainty Select ¨C 8

2.20%

2.20% yrs. 2-8

Guggenheim

B++

9 years

Preserve MYG - 9

2.80%

2.80% yrs. 2-9

Guggenheim

B++

10 years

Preserve MYG - 10

2.90%

2.90% yrs. 2-10

Oxford Life

Guggenheim

Oxford Life

North American

Nassau RE

Nassau RE

Sagicor (100k+)

Liberty Bankers Life

American National

American Equity

Oxford Life

Sagicor ($100k+)

Liberty Bankers Life

American National

Liberty Bankers Life

Oxford Life

Guggenheim

American National

Oxford Life

EquiTrust Life

North American

AB++

AA+

B+

B+

B++

A

AAAB++

A

B++

A+

B++

A

A-

B++

A+

5 years

5 years

5 years

6 years

6 years

6 years

7 years

7 years

7 years

7 years

8 years

8 years

9 years

10 years

10 years

10 years

MYAnnuity5X

MYAnnuity5X (10% Free Withdrawal)

Premier Plus - 5

Palladium 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

Palladium MYG - 9

Multi-Select MYG - 10

Certainty Select - 10

Guarantee Choice - 10

1.75%

2.50%

2.15%

1.70%

2.50%

2.30%

3.35%

2.75%

1.85%

2.55%

3.05%

2.75%

3.60%

2.45%

2.70%

2.70%

4.50%

2.60%

2.30%

1.50%

1.75% yrs 2-3

2.50% yrs. 2-5

2.15% yrs 2-5

1.70% yrs. 2-5

2.15%

GREAT

2.50% yrs. 2-5

2.30% yrs. 2-5

Varies

2.75% yrs. 2-6

1.85% yrs. 2-5

2.55% yrs. 2-6

3.05% yrs 2-7

2.75% yrs. 2-7

2.60% yrs. 2-7

2.50% yrs. 2-9

GREAT

2.75%

1.85%

2.55%

3.05%

2.75%

2.74%

2.45%

2.70%

2.70%

2.20%

2.72%

2.80%

2.60% yrs. 2-10

2.30% yrs. 2-10

1.50% yrs. 2-10

3.10%

2.50%

2.30%

2.35% yrs. 2-5

2.45% yrs 2-7

2.70% yrs. 2-8

2.70% yrs. 2-8

1.75%

2.50%

2.15%

1.70%

2.60%

GREAT

2.90%

2.30%

1.50%

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

Guarantee 5

Guaranteed

Interest

Guarantee 5

1.80%

Guarantee 6

MGIR:

Currently 1.75%

Guarantee 7

1.90%

Issue

Ages

MVA

Y=Yes

N=No

States Not

Available

18-85 Q and NQ

Y

NY

Surrender Charges

5 years

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

Minimum:

$10,000

Guarantee 6

1.85%

Guarantee 7

Withdrawal

Provisions

Minimum

Premium

Rates effective as of 10-10-2019

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 Withdrawal &

RMD immediately

6 years

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

7 years

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

AMERICAN GENERAL LIFE COMPANIES (AGLC)

FIXED

PRODUCTS

Current

Interest

American PathwaySM

Fixed 5 Annuity

Guaranteed

Interest

Minimum

Premium

With Guarantee ROP:

1.85%

(MVA) 2.00%

$100,000

Year 5

1.85%

Year 5

1.65%

American Pathway

Fixed 7 Annuity

(MVA) 1.80%

With Guarantee ROP:

1.85%

(MVA) 2.00%

$100,000

Year 7

1.85%

Year 7

1.65%

VisionMYG

(MVA) 1.80%

Low Band

High Band

4 Year

1.55%

1.85%

5 Year

1.60%

1.90%

6 Year

1.60%

1.90%

7 Year

1.60%

1.90%

10 Year

1.60%

1.90%

(For Agent Use Only)

Not intended for soliciting annuity sales from the public.

Rates and Commissions subject to change.

Check for current state approvals.

5 years

(9,8,7,6,5)

0-90

(0-85 in

NY)

Q&NQ

7 years

(9,8,7,6,5,4,2)

0-90

(0-85 in

NY)

Q&NQ

Y

0-85

Q&NQ

Y

States Not

Available

Terminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partial

withdrawal upon the diagnosis of a terminal illness that will result in the death of a contract owner within one year. Written documentation from a qualified physician is required.

Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may

elect to become the new ¡°owner¡± or receive a disttibution

Y

Available in all

states, some

varations

(MVA is not

available in NY)

Terminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partial

withdrawal upon the diagnosis of a terminal illness that will result in the death of a contract owner within one year. Written documentation from a qualified physician is required.

Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may

elect to become the new ¡°owner¡± or receive a disttibution

Available in all

states, some

varations

(MVA is not

available in NY)

Optional Return of Premium Guarantee: The annuity may be returned at anytime for an

amount equal to the single premium paid, less prior withdrawals, or the withdrawal value,

whichever is greater. Adding this feature will result in a slightly lower initial interest rate

than a contract without the feature would receive.

(MVA) 2.00%

$100,000

Year 7

MVA

Y=Yes

N=No

Surrender

Charges

Optional Return of Premium Guarantee: The annuity may be returned at anytime for an

amount equal to the single premium paid, less prior withdrawals, or the withdrawal value,

whichever is greater. Adding this feature will result in a slightly lower initial interest rate

than a contract without the feature would receive.

(MVA) 2.00%

$100,000

Year 5

Rates effective as of 03-09-2020

Penalty-Free Withdrawal Privilege: After Year 1, 15% free withdrawals. After 30 days

from contract date

1.50%

$10,000 Q&NQ

Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may

elect to become the new ¡°owner¡± or receive a disttibution

Early Withdrawal Charge Waiver: After the first contract year, withdrawal charge fees will

be waived if the owner cannot perform two or more of the six defined activities of daily

living (bathing, continence, dressing, eating, toileting, and transferring) for at least 90

consecutive days. Written certification by a licensed healthcare practitioner is required.

10 years

(8,8,8,7,6,5,4,3,2,1)

In New York

7 Years

(7,6,5,4,3,2,1)

Available in all

states, some

varations.

Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, TX 77019 The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance

Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies (or annuities) and riders not available in all states.These contracts are not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is not

a deposit or other obligation of, nor is it guaranteed or endorsed by, any bank or depository institution.

4

AMERICAN NATIONAL INSURANCE COMPANY (ANL)

FIXED

PRODUCTS

Palladium MYG

High Band Shown.

Under $100,000,

subtract 10 basis points

Century Plus

NEW

Current

Interest

5 Year

6 Year

7 Year

8 Year

9 Year

10 Year

1st Year

2.60%

2.85%

3.70%

2.75%

4.60%

3.75%

Base Rate

2.60%

2.85%

2.70%

2.75%

2.60%

2.75%

Guaranteed

Interest

Yield

2.80%

2.85%

2.84%

2.75%

2.82%

2.85%

$100,000

Yr. 1 - 7.10%, Base Rate - 2.10%

Lifetime Income Rider

Diamond

Citadel - 5

1.00%

Minimum

Premium

1st Year Base Rate

>$100,000 2.85%

1.85%

$100,000 4.10%

2.10%

................
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