MYGA COMPARISON SPREADSHEET 1/15/2020

For Agent Information Only. Not for solicitation or Advertising to the Public.

MYGA COMPARISON SPREADSHEET

5/29/2020

This spreadsheet to be used for reference only. Rates are subject to change.

Company

AM Best

Minimum Premium

Guar. Period

Product Name

1st Year Rate

Rate Thereafter

Average Yield

Commission (less at

older ages)

Rate Change

Effective Date

Equitable Life

B+

$10K

2 yrs Secure Savings 2

1.90%

1.90%

1.90%

1.25%

1-May

Oceanview EquiTrust Delaware Life Guggenheim Fidelity&Guaranty Global Atlantic Investors Heritage Oxford Life North American Athene Sagicor Life

A-

$10k

B++

$10K

A- $5K-Q/$10KNQ

B++ $5K-Q/$10KNQ

A-

$20k

A

$10K

B+

$25k

A- $20K/$350KNQ/Q

A+ $10K-NQ/$2K-Q

A

$10K

A-

$15K/Q/NQ

Guaranty Income Oxford Life Guggenheim Integrity Life

B++ $2K-Q/$5K-NQ A- $20K/$350KNQ/Q

B++ $5K-Q/$10KNQ

A+

$20K

Atlantc Coast Life Atlantic Coast Life Sentinel Oceanview EquiTrust Fidelity&Guaranty Liberty Bankers Equitable Life Investors Heritage Delaware Life Americo Reliance Standard Global Atlantic Guggenheim Nassau Re Reliance Standard The Standard American National Athene Oxford Life Great American American General American Equity Sagicor Life

B++

$5K

B++

$5K

B++

$2.5K

A-

$10k

B++

$10K

A-

$20K

B++

$10k

B

$10K

B+

$25k

A- $5K-Q/$10KNQ

A $5K-Q/$10KNQ

A+

$10k

A

$10K

B++ $5K-Q/$10KNQ

B+

$15k

A+

$10k

A

$15K

A

$5K

A

$10K

A- $20K/$350KNQ/Q

A

$10K

A

$10k

A-

$10K

A-

$15K/Q/NQ

Integrity Life

A+

Securian

A+

Lincoln Financial A+

$20K $5K $10K

3 yrs 3 yrs 3 yrs 3 yrs 3 yrs 3 yrs 3 yrs 3 yrs 3 yrs 3 yrs 3 yrs

4 yrs 4 yrs 4 yrs 4 yrs

5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 Yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs 5 yrs

5 yrs 5 yrs 5 yrs

Harbourview MYGA Certainty Select 3 Pinnacle MYGA Preserve Guarantee-Platinum SecureFore 3 Heritage Builder Multi Select Guarantee Choice Athene Max Rate 3 Milestone MYGA

Milestone cont.

Guaranty 4 Multi Select Preserve MultiVantage

Safe Harbor^** Safe Haven**^ Personal Choice**** Harbourview MYGA Certainty Select 5 Guarantee-platinum Bankers Elite Secure Savings 5 Heritage Builder Pinnacle MYGA Platinum Assure Eleos MVA SecureFore 5 Preserve Nassau MYAnnuity 5X*** Eleos SP FGA 5 Palladium MYG Athene Max Rate 5^* Multi Select SecureGain 5 Am. Pathway VisionMYG Guarantee 5* Milestone MYGA

Milestone cont. MultiVantage SecureOption Choice MYGuarantee Plus

2.75% 2.25% 2.25% 2.15%250K 2.25% 2.10% 2.00% 2.10% 1.80%100K 1.80%100 1.20%>15K / 1.60%>50K 2.20%>100K

3.00% 2.70% 2.25%250 2.15%

4.10% 3.90% 3.10% 3.00% 3.00% 2.90% 2.90% 2.85% 2.85% 2.75% 2.75% 2.60% 2.60% 2.50%250 2.75% 2.45% 2.45%$100K 3.50%$100K 2.40%100 2.65% 2.10%$100K 2.05%$100K 1.80% 1.70%>15K / 2.15%>50K 2.70%>100K 2.15% 1.20% $100K 1.00% $100K

2.75% 2.25% 2.25% 2.15% / 2.25% 2.25% 2.10% 2.00% 2.10% 1.80% / 2.25% 1.80%/1.95% 1.20% / 1.60% 2.20%

2.75% 2.25% 2.25% 2.15% / 2.25% 2.25% 2.10% 2.00% 2.10% 1.80% / 2.25% 1.80%/1.95% 1.20% / 1.60% 2.20%

3.00% 2.70% 2.25% / 2.35% 15.155% 3.10% 2.90% 3.10% 3.00% 3.00% 2.90% 2.90% 2.85% 2.85% 2.75% 2.75% 2.60% 2.60% 2.50% / 2.60% 2.75% 2.45% 2.45% / 2.55% 2.50% / 2.60% 2.40% / 2.55% 2.65% ^^^1.95% / 2.10% 2.05% / 2.35% 1.80% 1.70% / 2.15% 2.70% 1.15% 1.20% / 1.35% 1.00% / 1.05%

3.00% 2.70% 2.25% / 2.35% 1.40%

3.10% 3.10% 3.10% 3.00% 3.00% 2.90% 2.90% 2.85% 2.85% 2.75% 2.75% 2.60% 2.60% 2.50% / 2.60% 2.75% 2.45% 2.45% / 2.55% 2.70% / 2.80% 2.40% / 2.55% 2.65% 2.10% / 2.25% 2.05% /2.35% 1.80% 1.70% / 2.15% 2.70% 1.35% 1.20% / 1.35% 1.00% / 1.05%

1.50% 2.00% 2.00% 1.00% 1.50% 1.80% 2.00% 2.35% 1.50% 1.30% 1.25% 1.25%

1.60% 1.2775%

1.75% 2.00%

2.40% 2.40% 2.25% 2.50% 3.00% 2.00% 2.25% 2.00% 2.50% 2.50% 1.50% 2.50% 2.50% 2.50% 2.00% 2.50% 2.00% 2.50% 2.00% 2.50% 2.50% 1.50% 3.00% 2.00% 2.00% 2.50% 2.25% 2.00%

1-May 14-May 27-Apr 1-Jun 18-May 1-Jun 13-Mar 1-Jun 7-Apr 28-Feb 1-Jun

1-May 1-Jun 1-Jun 1-Jun

25-May 25-May 20-Apr 1-May 14-May 18-May 14-May

1-Apr 13-Mar 27-Apr 15-May 30-Mar 1-Jun 1-Jun 1-Jun 30-Mar 14-May 1-Jun 28-Feb 1-Jun 7-Mar 6-Apr 3-Apr 6//1/2020

1-Jun 16-May 15-May

Atlantc Coast Life Atlantc Coast Life EquiTrust Oxford Life Guaranty Income Guggenheim American National American General American Equity

B++

$5K

B++

$5K

B++

$10K

A- $20K/$350KNQ/Q

B++ $2K-Q/$5K-NQ

B++ $5K-Q/$10KNQ

A

$5K

A

$10k

A-

$10K

6 yrs 6 yrs 6 yrs 6 yrs 6 yrs 6 yrs 6 yrs 6 yrs 6 yrs

Safe Harbor^** Safe Haven**^ Certainty Select 6 Multi Select Guaranty 6 Preserve Palladium MYG Am. Pathway VisionMYG Guarantee 6*

4.25% 4.00% 3.10% 3.00% 2.70% 2.60%250 2.75% $100K 2.05%$100K 1.85%

3.25% 3.00% 3.10% 3.00% 2.70% 2.60% / 2.70% 2.75% / 2.85% 2.05% / 2.35% 1.85%

3.16% 3.17% 3.10% 3.00% 2.70% 2.60% / 2.70% 2.75% / 2.85% 2.05% / 2.35% 1.85%

2.40% 2.40% 3.00% 1.25% 2.00% 2.50% 2.50% 2.00% 3.00%

25-May 25-May 14-May 1-Jun 1-May 1-Jun 1-Jun

6-Apr 3-Apr

This spreadsheet to be used for reference only. Rates are subject to change.

Company

AM Best

Minimum Premium

Guar. Period

Product Name

1st Year Rate

Rate Thereafter

Average Yield

Commission Change (less at Effective

older ages) Date

Atlantc Coast Life Sentinel Atlantic Coast Life North American Oceanview Fidelity&Guaranty Investors Heritage Liberty Bankers Delaware Life Guggenheim Nassau Re Oxford Life Athene American National The Standard American General Sagicor Life

B++

$5K

B++

$2.5K

B++

$5K

A+ $10K-NQ/$2K-Q

A-

$10k

A-

$20k

B+

$25k

B++

$10K

A- $5K-Q/$10KNQ

B++ $5K-Q/$10KNQ

B+

$15k

A- $20K/$350KNQ/Q

A-

$10K

A

$5K

A

$15K

A

$10k

A-

$15K/Q/NQ

American Equity A-

Securian

A+

Integrity

A+

Lincoln Financial A+

$10K $5K $20K $10K

7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs 7 yrs

7 yrs 7 yrs 7 yrs 7 yrs

Safe Harbor^** Personal Choice 7**** Safe Haven**^ Guarantee Choice Harbourview MYGA Guarantee-Platinum Heritage Builder Bankers Elite Pinnacle MYGA Preserve Nassau MYAnnuity 7X*** Multi Select Athene Max Rate 7 Palladium MYG FGA 7 Am. Pathway VisionMYG Milestone MYGA

Milestone cont. Guarantee 7* SecureOption Choice MultiVantage MYGuarantee Plus

4.40% 3.20% 4.05% 3.10%100K 3.05% 3.05% 3.00% 3.00% 2.90% 2.65%250 2.85% 2.85% 2.50%100 3.60% $100K 2.45%$100K 2.05%$100K 2.00%>15K / 2.45%>50K 2.75%>100K 1.90% 1.35% $100K 2.10% 1.10% $100K

EquiTrust Oxford Life Guggenheim Guaranty Income American National

B++

$10K

A- $20K/$350KNQ/Q

B++ $5K-Q/$10KNQ

B++ $2K-Q/$5K-NQ

A

$5K

8 yrs 8 yrs 8 yrs 8 yrs 8 yrs

Certainty Select 8 Multi Select Preserve Guaranty 8 Palladium MYG

3.15% 3.10% 2.70%250 2.55% 2.60% $100K

Liberty Bankers Guggenheim Oxford Life American National Securian

B++

$10K

B++ $5K-Q/$10KNQ

A- $20K/$350KNQ/Q

A

$5K

A+

$5K

9 yrs 9 yrs 9 yrs 9 yrs 9 yrs

Bankers Elite Preserve Multi Select Palladium MYG SecureOption Choice

3.05% 2.80%250

3.00% 4.45% $100K 1.50% $100K

Atlantc Coast Life Atlantc Coast Life Sentinel EquiTrust Oceanview Delaware Life Guggenheim Oxford Life American National The Standard Integrity Life Lincoln Financial

B++

$5K

B++

$5K

B++

$2.5K

B++

$10K

A-

$10k

A- $5K-Q/$10KNQ

B++ $5K-Q/$10KNQ

A- $20K/$350KNQ/Q

A

$5K

A

$15K

A+

$20K

A+

$10K

10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs 10 yrs

Safe Harbor^** Safe Haven**^ Personal Choice 10**** Certainty Select 10 Harbourview MYGA Pinnacle MYGA Preserve Multi Select Palladium MYG FGA 10 MultiVantage MYGuarantee Plus

4.75% 4.20% 3.30% 3.30% 3.15% 3.05% 2.90%250 3.05% 3.60% $100K 2.10%$100K 2.10% 1.20% $100K

3.40% 3.20% 3.05% 3.10% / 3.50% 3.05% 3.05% 3.00% 3.00% 2.90% 2.65% / 2.75% 2.85% 2.85% 2.50% / 2.65% 2.60% / 2.70% 2.45% / 2.55% 2.05% /2.35% 2.00% / 2.45% 2.75% 1.90% 1.35% / 1.50% 1.10% 1.10% / 1.15%

3.15% 3.10% 2.70% / 2.80% 2.55% 2.60% / 2.70%

3.05% 2.80% / 2.90%

3.00% 2.45% / 2.55% 1.50% / 1.65%

3.75% 3.20% 3.30% 3.30% 3.15% 3.05% 2.90% / 3.00% 3.05% 2.60% / 2.70% 2.10% / 2.20% 1.10% 1.20% / 1.25%

3.22% 3.20% 3.19% 3.10% / 3.50% 3.05% 3.05% 3.00% 3.00% 2.90% 2.65% / 2.75% 2.85% 2.85% 2.50% / 2.65% 2.74% / 2.84% 2.45% / 2.55% 2.05% / 2.35% 2.00% / 2.45% 2.75% 1.90% 1.35% / 1.50% 1.24% 1.10% / 1.15%

3.15% 3.10% 2.70% / 2.80% 2.55% 2.60% / 2.70%

3.05% 2.80% / 2.90%

3.00% 2.67% / 2.77% 1.50% / 1.65%

3.31% 3.30% 3.30% 3.30% 3.15% 3.05% 2.90% / 3.00% 3.05% 2.70% / 2.80% 2.10% / 2.20% 1.20% 1.20% / 1.25%

2.65% 2.25% 2.65% 2.50% 2.75% 3.00% 3.00% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.00% 2.00% 2.25% 2.25% 3.00% 2.25% 3.00% 2.50%

3.00% 1.4575%

2.50% 3.00% 2.50%

2.75% 2.50% 2.75% 2.50% 2.25%

2.65% 2.65% 2.75% 3.00% 3.00% 3.00% 3.00% 3.00% 2.50% 3.00% 3.50% 2.50%

25-May 20-Apr 25-May 7-Apr 1-May 18-May 13-Mar 14-May 27-Apr 1-Jun 1-Jun 1-Jun 28-Feb 1-Jun 14-May 6-Apr 1-Jun

3-Apr 16-May 1-Jun 15-May

14-May 1-Jun 1-Jun 1-May 1-Jun

14-May 1-Jun 1-Jun 1-Jun 16-May

25-May 25-May 20-Apr 14-May 1-May 27-Apr 1-Jun 1-Jun 1-Jun 14-May 1-Jun 15-May

Black - No Rate Change Red - Rate Decrease Green - Rate Increase

***Decrease in rate if Free Withdrawal Rider is attached. Commission reflects e-app only

**^ Compound Interest

^** Simple Interest Compound

*** CA has different rates-please contact your SMD marketer.

*Rates and Commissions in some states are .50% less: check with your marketer (MVA)

****Florida and MN have different rates - please contact your marketer

^^^Escalading Rates

^^^^CA and FL have different rates-please contact your marketer Rates are subject to change at any time.

This spreadsheet is to be used as a reference only.

Refer to carrier product information for specific details.

For internal use only.

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

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download