Interested in an annuity with NO downside risk? Call TODAY ...

The

December 2021 Annuity Line

brought to you by

Appletree Financial Network

Leaders in Life, Annuities, Long Term Care and Disability Insurance

8101 34th Ave S, Suite 380 Bloomington, MN 55425

(952) 853-1235

Fax (952) 853-0935 For information, forms, quotes and pending case status,

visit us at

Interested in an annuity with NO downside risk? Call TODAY and ask about an Equity Indexed Annuity!

Rates Current as of 12/1/2021 and subject to change. For agent use only.

As of 12/1/2021

A.M.Best 'A'

Appletree Financial Network

(952) 853-1235

Fax: (952) 853-0935

INDEXED ANNUITIES

info@

Product

Features/ Benefits

Power 7 Protector & Protector Plus

SPDA

Plus Product includes Income Rider!

Power 7 Prot Power 7 Plus

Fixed Account:

1.45%

1.30%

S&P 1-Yr Pt to Pt:

4.50%

3.80%

Power 10 Protector & Protector Plus

SPDA

Power 10 Prot Power 10 Plus

Fixed Account:

1.50%

1.35%

S&P 1-Yr Pt to Pt:

4.50%

4.00%

Other Crediting Strategies Available Call For Details!!

Minimum Guarantee

Fixed Account Min 1.50%

Free Withdrawal

Up to 10% of the annuity contract value after the

first contract year

Minimum Premium

$25,000 Qual/Non-Qual



States Not Approved

NY

Surrender Charges

Power 7 & 7 Plus: 8,7,6,5,4,3,2,0

Issue Ages

Power 7 0-85

Power 7+ 50-80

Commission

7 Year: 0-80 4.00% 81-85 2.00%

Power 10 & 10 Plus: 10,9,8,7,6,5,4,3,2,1,0

Power 10 0-75

Power 10+ 50-75

10 Year: 0-70 7.00% 71-75 5.00%

A.M.Best 'A' A.M. Best 'A+'

Strategy Indexed Annuity

PLUS FPDA

1.0% Premium Enhancement on 10-Yr!!

7 Yr 10 Yr

Declared Rate:

1.95% 2.05%

1-Yr Pt to Pt:

4.25% 4.35%

1-Yr Monthly Cap:

2.00% 2.10%

Other Crediting Strategies Available

Call For Details!!

FlexAdvantage FPDA

Fixed Rate: Perf Triggered 1Yr: 1-Yr Pt to Pt:

5 Yr 7 Yr 1.55% 1.60% 3.00% 3.75% 4.00% 4.75%

1.00% on 87.5% of Premium less any withdrawals

1.00% on 100% of Premium less any withdrawals

OptiBlend FPDA

Fixed Rate 1 yr: Participation:

1-Yr PtP Cap: 1-Yr PtP Sprd:

5 Yr 7 Yr 10 Yr 1.30% 1.35% 1.40% 15.00% 20.00% 30.00% 4.00% 4.30% 4.50% 0.75% 0.75% 0.60%

1.00% on 100% of Premium less any withdrawals

10% of annuity value each contract year

$10,000 Non-Qual $5,000 Qual

IL, MD, MA, NJ, NY, NC, PA, TX, WY

7 Year: 7,6,5,4,3,2,1

10 Year: 9,9,8,7,6,5,4,3,2,1

0-80

7 Year: 0-75 5.00%

10 Year: 0-75 7.00%

10% of accumulation

$10,000

NY

value each contract

Qual/Non-Qual

year

5 Year: 9,8,7,6,5,0

7 Year: 9,8,7,6,5,4,3,0

0-85

0-75 3.00%

5 Year:

10% of accumulation

$10,000

NY

9,8,7,6,5,0

0-85

7 Year:

value each contract

Qual/Non-Qual

7 Year:

5 & 7 Yr

0-74 4.50%

year

9,8,7,6,5,4,3,0

10 Year:

10 Year:

0-80

0-74 7.00%

9,9,8,7,6,5,4,3,2,1,0

10Yr

For Agent Use Only. Not Intended to Solicit Annuity Sales from the Public.

As of 12/1/2021 A.M.Best 'A'

A.M.Best 'A'

A.M. Best 'A-'

Product

Century Plus SPDA

Portfolio SPDA

Portfolio FPDA

Sage Choice SPDA

Appletree Financial Network

(952) 853-1235

Fax: (952) 853-0935

info@

TRADITIONAL ANNUITIES



Rates / Net Yields 5.00% 1st Year Premium Enhancement!! Base Rate: 1.80%

Lifetime Income Rider Available!!

Minimum Guarantee

1.35%

Free Withdrawal

10% of the annuity value as of the beginning

of the contract year

Minimum Premium

$5, 000 Qual/Non-Qual

States Not Approved

MD, NY, NJ, WI, WA

Surrender Charges

10 Year: 10,9,8,7,6,5,4,3,2,1

2.40% current rate

10% of account value

$5,000

NY

1.50%

once each year

Qual/Non-Qual

7 Year: 7,6,5,4,3,2,1

Issue Ages

0-80 Q/NQ

0-80 Q/NQ

Commission 0-75 5.00% 76-80 3.00%

0-80 2.50%

2.00% current rate

1.50%

10% of account value

$1,000

NY

once each year

Qual/Non-Qual

9 Year: 9,8,7,6,5,4,3,2,1

0-80 Q/NQ

0-80 2.50%

First Year Fixed Rate: 2.00% Min Gtd Rate Years 1-10: 2.00%

2.00%

10% of account value each year

$2,000 Qual/Non-Qual

MO, NH, NY

7 Year: 7,7,7,6,5,3,0

0-90 Q/NQ

0-80 2.75% 81-90 1.50%

A.M. Best '(NR) No Rating'

A.M. Best '(NR) No Rating'

A.M. Best '(NR) No Rating'

Flexible Premium Deferred Annuity

FPDA

Single Premium Deferred Annuity

SPDA

Bonus Single Premium Annuity

SPDA

.75% First Year Bonus! 2.85% current rate (for $100k+)

.75% First Year Bonus! 2.75% current rate (for $100k+)

4% to 8% Bonus depending on premium 2.25% current rate (for $100k+)

1.15% 1.15% 1.15%

10% of account value each year starting in year two

$500 Qual $2,500 Non-Qual

5% of account value each year starting in year two

$10,000 Qual/Non-Qual

10% of account value each year starting in year two

$10,000 Qual/Non-Qual

Call for list Call for list Call for list

8 Year: 8,7,6,5,4,3,2,1,0

0-90 Q/NQ

0-85 4% 86-90 3%

5 Year: 8,7,6,4,2,0

0-90 Q/NQ

0-85 4% 86-90 3%

10 Year: 12,11,10,9,8,7,

5,4,2,1,0

0-90 Q/NQ

0-65 2% 66-73 1.5% 74-90 1%

For Agent Use Only. Not Intended to Solicit Annuity Sales from the Public.

Guarantee Period*

1 Year* 1 Year* 3 Year 3 Year 3 Year* 3 Year 3 Year 3 Year 3 Year* 4 Year 4 Year 4 Year 5 Year 5 Year 5 Year 5 Year* 5 Year* 5 Year 5 Year 5 Year 5 Year* 5 Year 6 Year 6 Year 6 Year* 6 Year 7 Year 7 Year 7 Year 7 Year 7 Year 7 Year 7 Year 7 Year 7 Year 7 Year 8 Year 8 Year 9 Year 9 Year 9 Year 10 Year 10 Year 10 Year 10 Year 10 Year

AM Best Rating

A+ A+ A B++ A+ A+ AA+ A+ B++ A AA B++ A+ A+ A+ A+ AA+ A+ B++ A B++ A+ AA B++ A+ A+ A+ A+ AA+ A+ B++ A B++ A B++ A+ A B++ A+ A+ B++

Company Name

MULTI-YEAR ANNUITY RATES EFFECTIVE 12/1/2021

Product Name

Net Yield

Free Withdrawal

States Not Approved

Securian Financial Group Integrity Life Insurance Co.

American National Guggenheim Life & Annuity Co

Integrity Life Insurance Co. North American Company

Sagicor Securian Financial Group Securian Financial Group Guggenheim Life & Annuity Co Integrity Life Insurance Co.

Sagicor American National Guggenheim Life & Annuity Co Integrity Life Insurance Co. Integrity Life Insurance Co. Integrity Life Insurance Co. North American Company

Sagicor Securian Financial Group Securian Financial Group

Sentinel Security Life American National

Guggenheim Life & Annuity Co Integrity Life Insurance Co. Sagicor American National

Guggenheim Life & Annuity Co Integrity Life Insurance Co. Integrity Life Insurance Co. Integrity Life Insurance Co. North American Company Sagicor Securian Financial Group Securian Financial Group Sentinel Security Life American National

Guggenheim Life & Annuity Co American National

Guggenheim Life & Annuity Co Securian Financial Group American National

Guggenheim Life & Annuity Co Integrity Life Insurance Co. Integrity Life Insurance Co. Sentinel Security Life

SecureOption Focus SPDA Series II

Palladium MYG Annuity Preserve MYGA 3 SPDA Series II Guarantee Plus Milestone MYGA 3

SecureOption Choice SecureOption Focus

Preserve MYGA 4 MultiVantage

Milestone MYGA 4 Palladium MYG Annuity

Preserve MYGA 5 MultiVantage

NewMomentum SPDA Series II Guarantee Plus Milestone MYGA 5 SecureOption Choice SecureOption Focus Personal Choice Annuity Palladium MYG Annuity Preserve MYGA 6 NewMomentum Milestone MYGA 6 Palladium MYG Annuity Preserve MYGA 7 MultiVantage NewMomentum SPDA Series II Guarantee Plus Milestone MYGA 7 SecureOption Choice SecureOption Focus Personal Choice Annuity Palladium MYG Annuity Preserve MYGA 8 Palladium MYG Annuity Preserve MYGA 9 SecureOption Choice Palladium MYG Annuity Preserve MYGA 10 MultiVantage NewMomentum Personal Choice Annuity

1.40% 2.00% 2.00% 1.85% 1.33% 1.80% 2.25% 1.15% 1.60% 2.10% 1.25% 2.30% 2.15% 2.30% 1.20% 1.15% 1.20% 1.90% 3.00% 1.25% 1.60% 2.85% 2.45% 2.40% 1.12% 2.70% 2.45% 2.50% 1.14% 1.10% 1.14% 2.20% 2.85% 1.50% 1.60% 2.90% 2.45% 2.60% 2.55% 2.70% 1.70% 2.55% 2.85% 1.25% 1.07% 2.75%

10% of value 10% of value 10% of value 10% of value 10% of value Interest Only 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value Interest Only 10% of value 10% of value 10% of value Rider available 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value Interest Only 10% of value 10% of value 10% of value Rider available 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value 10% of value Rider available

CA

ME, MA, NH, OR, SC, UT, VT, WA

NY

NJ, NY, PR, VI ME, MA, NH, OR, SC, UT, VT, WA

only in AK, MN, MO, NV, OH, OR UT, VA, WA

CA, MO, NY

CA CA

NJ, NY, PR, VI ME, MA, NH, OR, SC, UT, VT, WA

CA, MO, NY

NY

NJ, NY, PR, VI ME, MA, NH, OR, SC, UT, VT, WA ME, MA, NH, OR, SC, UT, VT, WA ME, MA, NH, OR, SC, UT, VT, WA

only in AK, MN, MO, NV, OH, OR UT, VA, WA

CA, MO, NY

CA CA New in MN! NY

NJ, NY, PR, VI ME, MA, NH, OR, SC, UT, VT, WA

CA, MO, NY

NY

NJ, NY, PR, VI ME, MA, NH, OR, SC, UT, VT, WA ME, MA, NH, OR, SC, UT, VT, WA ME, MA, NH, OR, SC, UT, VT, WA

only in AK, MN, MO, NV, OH, OR UT, VA, WA

CA, MO, NY

CA CA New in MN! NY

NJ, NY, PR, VI

NY

NJ, NY, PR, VI

CA NY

NJ, NY, PR, VI ME, MA, NH, OR, SC, UT, VT, WA ME, MA, NH, OR, SC, UT, VT, WA

New in MN!

* Contract may have a longer surrender schedule than the guarantee period. Some contracts allow for a 30-day window to withdraw funds penalty free after initial guarantee, others do not.

Issue Ages

0-88 0-85 0-85 0-90 0-85 0-90 0-90 0-90 0-88 0-90 0-89 0-90 0-85 0-90 0-89 0-85 0-85 0-90 0-90 0-90 0-88 0-90 0-85 0-90 0-85 0-90 0-85 0-90 0-85 0-85 0-85 0-90 0-90 0-90 0-88 0-90 0-85 0-90 0-85 0-90 0-90 0-85 0-90 0-83 0-85 0-90

For Agent Use Only. Not Intended to Solicit Annuity Sales from the Public.

Commission (up to)

5.00% 4.00% 1.50% 1.00% 4.00% 1.50% 1.20% 1.50% 4.00% 1.75% 2.00% 1.20% 2.50% 2.50% 2.50% 5.00% 3.00% 2.50% 1.95% 2.25% 4.00% 2.25% 2.50% 2.50% 5.00% 1.95% 2.50% 2.50% 3.00% 5.00% 3.00% 2.50% 2.20% 2.25% 4.00% 2.25% 2.50% 2.50% 2.50% 2.50% 2.25% 2.50% 2.50% 3.50% 5.00% 2.75%

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