BRI AUITIES AE TEIR AATAES - Crump

Hybrid annuities have their

advantages

We can help you choose the right one for your clients.

Carrier/product

AM Best Policy type Interest rate

as of September 1, 2023

Surrender schedule Rate classes Ownership Funding options Payments Issue ages

Global Atlantic/ Forethought Forecare

A Fixed annuity

5.00% under $200k 5.50% over $200k

9 Yr. Standard Premier Individual Joint

Non-qualified

Single pay

50 - 80

OneAmerica Annuity Care

A+ Fixed annuity

OneAmerica Annuity Care II

A+ Fixed annuity

4.25% Long term care (LTC) value 3.75% Accumulated value

3.55% LTC value 3.50% Accumulated value

9 Yr.

N/A

Individual Joint Non-qualified Qualified Single pay base Continuation of benefits (COB) Single pay or annual pay

50 - 85

9 Yr. N/A Individual Non-qualified Single pay 40 - 80

OneAmerica Indexed Annuity Care

A+

Fixed indexed annuity

5.50% Point-to-point cap 40.00% Point-to-point par 6.75% Monthly avg cap 70.00% Monthly avg par 3.45% Fixed account

9 Yr.

N/A

Individual Joint

Non-qualified Qualified

Single pay base COB single pay or annual pay

40 - 85

Elimination periods

0 Day: Home Care (HC) 90 Day: Facility Care (FC)

7 service days

90 service days

60 days

Minimum/maximum premiums

Max benefit periods

Inflation protection options Underwriting requirements e-Application Payment type

Product strengths

$35,000 - $600,000

72 months: Single 84 months: 2x Joint 90 months: 3x Joint

None or 5%

Script check Phone interview (70+ yrs.)

Yes

Reimbursement

1 day underwriting No phone interview (Under age 70)

$10,000 - $500,000

3 Yrs on base Optional COB rider* provides additional 3 yrs or lifetime

$10,000 - $500,000 $300,000 max w/inflation

Long term care accumulated value (LTCAV) 24 months: Single LTCAV 30 months: Joint 3 Yr COB rRider*

$50,000 - $500,000

24 months: Single 30 months: Joint

None or 5%

None or 5%

None, 2%, 3%, 4%, or 5%

Medical information Bureau (MIB) Script check Phone interview

Yes

MIB Script check Phone interview

Yes

Reimbursement

Reimbursement

Underwriting Older ages Lifetime benefits Joint

Underwriting

MIB Script check Phone interview

Yes

Reimbursement

Underwriting Older ages Lifetime benefits Joint

*Policy riders are available at an additional cost and may not be available for all products. Terms and conditions apply.

Contact the Crump Long Term Care Solution Center Sales Desk at 800.678.4582 option 4, or by email to ltcquotes2@ to learn more about the advantages of hybrid products.

For Financial Professional Use Only. Products and programs offered through Crump are not approved for use in all states. Not all applicants will qualify for coverage. Policy terms, conditions, and limitations will apply. Crump does not provide any tax or legal advice. Insurance products are available through Crump Life Insurance Services, LLC, AR License #100103477. Variable insurance material is for broker-dealer or registered representative use only.

? 2023 Crump Life Insurance Services. All Rights Reserved. 0623 SOLC23-9076-A 0125 Updated 09.13.23

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