Carrier Products

FIA Hypothetical Returns

We list the top 25 in each surrender charge period

The hypothetical return is based on the number of calculated issue dates since 1/1/1950 or the inception date of the underlying index. Funds were equally distributed among the existing accounts excluding the fixed account if available.

Top performers over thousands of issue dates
for the period 1/1/1950 to 7/31/2017

5-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5 Year
Lincoln Financial Group
Lincoln OptiChoice 5
(14,244) 2.27 2.80 2.93
Reliance Standard Life
Keystone 5 Index Annuity
(17,746) 2.38 2.55 2.60
The Standard
Index Growth Annuity 5
(7,122) 1.96 1.94 1.94


6-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5-Year 6 Year
Great American Life Insurance Company
Safe Outlook
(10,674) 3.16 3.28 3.31 3.34
Lincoln Financial Group
Lincoln New Directions 6
(7,124) 1.46 2.60 2.83 3.19


7-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5-Year 7 Year
National Western Life
NWL IMPACT 7
(14,915) 3.23 4.01 4.19 4.29
AIG
Power Index Choice Annuity 7
(3,558) 3.53 3.44 3.44 3.46
AIG
Power Index Choice Annuity 7 GROP
(3,558) 3.24 3.17 3.17 3.19


8-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5-Year 7-Year 8 Year
Lincoln Financial Group
Lincoln OptiPoint 8
(14,244) 5.96 4.60 4.31 4.24 4.33
Lincoln Financial Group
Lincoln New Directions 8
(7,122) 1.62 2.86 3.11 3.24 3.52
Midland National Life
Endeavor 8
(25,079) 3.38 3.31 3.31 3.33 3.34


9-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5-Year 7-Year 9 Year
National Western Life
NWL Ultra Value
(10,686) 3.32 3.89 4.03 4.07 4.10
Lincoln Financial Group
Lincoln OptiChoice 9
(14,244) 2.99 3.56 3.69 3.70 3.73
EquiTrust Life Insurance Company
Market Booster Index
(17,795) 2.65 2.94 3.02 3.07 3.11


10-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5-Year 7-Year 10 Year
EquiTrust Life Insurance Company
Market Value Index
(21,361) 3.18 3.99 4.30 4.45 4.65
Lincoln Financial Group
Lincoln OptiPoint 10
(14,244) 5.95 4.60 4.31 4.23 4.23
National Western Life
NWL IMPACT 10
(14,545) 2.89 3.54 3.72 3.84 3.98


12-Year Surrender Period

Product Issue
Dates
1-Year 3-Year 5-Year 7-Year 10-Year 12 Year
Midland National Life
Endeavor 12
(25,079) 4.11 4.02 4.03 4.05 4.04 4.08
North American Company
Performance Choice 12
(25,088) 3.76 3.68 3.68 3.71 3.70 3.75
Midland National Life
Endeavor 12 Plus
(23,469) 3.11 3.05 3.05 3.08 3.07 3.11




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AIG
Power Index Choice Annuity 7
Power Index Choice Annuity 7 GROP
Allianz Life Insurance Company of North America
Allianz 222 Annuity
Allianz 222 Annuity Non MVA
Allianz 360 Annuity
Allianz 360 Annuity Non MVA
Allianz 365i Annuity
Allianz 365i Annuity Non MVA
Allianz Core Income 7 Annuity
Allianz Core Income 7 Annuity Non MVA
Retirement Foundation ADV
American Equity Investment Life Insurance Company
Advantage Gold (Index-6-07)
Benefit Gold (ICC13 IDX7)
Bonus Gold (Index 1-07)
California Foundation Gold
California Gold
Choice Series 10 (ICC14 IDX8-10)
Choice Series 10 MVA Option (ICC14 IDX8-10)
Choice Series 6 (ICC14 IDX8-6)
Choice Series 6 MVA Option (ICC14 IDX8-6)
Choice Series 8 (ICC14 IDX8-8)
Choice Series 8 MVA Option (ICC14 IDX8-8)
Foundation Gold
Retirement Gold (Index 02-09)
Retirement Gold (INDEX-4-10-FL.3)
Traditions Gold (ICC11 IDX4)
American General Life Insurance Company
Power 10 Protector
Power 10 Protector Plus Income
Power 7 Protector
Power 7 Protector Plus Income
Power Index Plus
Power Index Plus Income (LIPM)
Power Index Plus Plus Income (LIP)
Power Index Premier
Power Select Builder
Power Select Plus Income
Power Select Plus Income with Multiplier®
American National Insurance Company
Strategy Indexed Annuity PLUS 10
Strategy Indexed Annuity PLUS 7
American National Life Insurance Company of NY
Strategy Indexed Annuity PLUS 10
Strategy Indexed Annuity PLUS 7
Americo
Future Provider
Future Provider Bonus
Ultimate One Index 9
Ultimate One Index 9 Bonus (411)
Americo (Legacy)
LibertyMark 10
LibertyMark 10 Plus
LibertyMark 7
LibertyMark 7 Plus
LibertyMark SE 10
LibertyMark SE 10 Plus
LibertyMark SE 7
LibertyMark SE 7 Plus
Annuity Investors Life
FlexMax
FlexMax 14
FlexMax Plus
SingleMax Ten
SingleMax Ten No MVA
Athene Annuity & Life (Annexus)
BCA Elevate 10
BCA Elevate 10 CA
BCA Elevate 10FL
BCA Elevate 12
BCA Elevate 8
BCA Elevate 8 CA
BCA Elevate 8S
Athene IA
Ascent 10 Bonus 2.0
Ascent Accumulator 10
Ascent Accumulator 5
Ascent Accumulator 7
Ascent Pro 10
Ascent Pro 10 Bonus
Ascent Pro 10 Bonus Select
Ascent Pro 7
Athene Performance Elite 10 Plussm
Athene Performance Elite 10 Prosm
Athene Performance Elite 10 Select Plussm
Athene Performance Elite 10 Selectsm
Athene Performance Elite 7 Plussm
Athene Performance Elite® 10
Athene Performance Elite® 10 Pro Plus
Athene Performance Elite® 15
Athene Performance Elite® 15 Plus
Athene Performance Elite® 7
Benefit 10
Benefit 10 Pro
Benefit 10 Select
Atlantic Coast Life
Safe Anchor (86-89) *FEE*
Safe Anchor *FEE*
Safe Anchor FL *FEE*
Delaware Life
Assured Income 7
Retirement Chapters 10
Retirement Stages 7
Eagle Life
Eagle Select 10
Eagle Select 10 with MVA
Eagle Select 6
Eagle Select 6 with MVA
Eagle Select 8
Eagle Select 8 with MVA
EquiTrust Life Insurance Company
Builder Bonus Index
DynaMARC
Market Booster Index
Market Power Bonus Index
Market Ten Bonus Index
Market Value Index
MarketTwelve Bonus
F&G Life (Legacy)
AdvanceMark Ultra 10
AdvanceMark Ultra 14
LegendMark 10
LegendMark 10 Plus
LegendMark 14
LegendMark 14 Plus
SpectraMark
Fidelity & Guaranty Life
FG AccumulatorPlus 10
FG AccumulatorPlus 10 (State Variation)
FG AccumulatorPlus 7
FG Index-Choice 10
FG Retirement Pro
Performance Pro
Performance Pro with GMWB
Prosperity Elite 10 Enhancement
Prosperity Elite 10 Protection
Prosperity Elite 14 Enhancement
Prosperity Elite 14 Protection
Prosperity Elite 7 Enhancement
Prosperity Elite 7 Protection
Safe Income Plus
Fidelity & Guaranty Life Insurance Company of New York
FGNY Index-Choice 10
Global Atlantic Financial Group
Choice Accumulation 5
Choice Accumulation 7
Choice Income 10
Choice Income 7
ForeAccumulation 10
ForeAccumulation 5
ForeAccumulation 6
ForeAccumulation 7
ForeAccumulation 8
ForeIncome 5
ForeIncome 7
ForeIncome 9
Income 125 +
Income 150+SM
Index Bonus 115sm
Great American Life Insurance Company
American Custom 10
American Custom 10 (Non-MVA)
American Legend III
American Valor 10
AssuranceProtect 6®
AssuranceSelect 5
AssuranceSelect 7®
Index Achiever 7
Index Achiever 7 No MVA
Index Protector 7
Index Protector 7 No MVA
Safe Outlook
Safe Return
Guggenheim Life and Annuity Company
Highlander
TriVysta
Integrity Life Insurance Company
Integrity IndextraTM 10
Integrity IndextraTM 10 - Two
Integrity IndextraTM 7
Integrity IndextraTM7 - Two
Jackson National Life
Elite Choice 10
Elite Choice 8
Elite Choice Rewards 10
Elite Choice Rewards 8
Jackson AscenderPlus Select® 10
Jackson AscenderPlus Select® 7
Select Annual Reset
Lincoln Financial Group
Lincoln Core Capital
Lincoln Covered Choice 5
Lincoln New Directions 6
Lincoln New Directions 8
Lincoln OptiBlend 10
Lincoln OptiBlend 7
Lincoln OptiChoice 5
Lincoln OptiChoice 7
Lincoln OptiChoice 9
Lincoln OptiPoint 10
Lincoln OptiPoint 8
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 5
Lincoln OptiChoice NY 7
Lincoln OptiChoice NY 9
Midland National Life
BenefitPay 10
BenefitPay 14
BenefitPay 14 (FL, IN, MD, MS)
BenefitPay II (AK, MN, MO, OR, PA, UT, VA, WA)
Endeavor 12
Endeavor 12 Plus
Endeavor 8
Endeavor 8 Plus
IncomeVantage 10
IncomeVantage 14
IncomeVantage 14 (PA, HI)
IncomeVantage 7
Index Builder 10
Index Builder 10 State Variations
Index Builder 14
Prosper 7
RetireVantage 10
RetireVantage 10 OABR
RetireVantage 14
RetireVantage 14 OABR
Savers Income 7
Midland National Life (Sammons Retirement Solutions)
LiveWell® Fixed Index Annuity AK, MN, MO, OR, PA, UT, VA, WA
LiveWell® Fixed Index Annuity MVA
LiveWell® Preferred 10
LiveWell® Preferred 5
LiveWell® Preferred 7
Minnesota Life
SecureLink Future 7
SecureLink Future 9
National Western Life
NWL Global Lookback
NWL IMPACT 10
NWL IMPACT 7
NWL IMPACT 7 S
NWL Ultra Benefit
NWL Ultra Classic
NWL Ultra Future
NWL Ultra Future - WA
NWL Ultra Value
Nationwide Life and Annuity Insurance Company
Nationwide Peak
Nationwide Peak MVA
Nationwide Summit
Nationwide Summit MVA
New Heights 10
New Heights 10 (CT, DE)
New Heights 10 AK, MN, MO, MS, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA
New Heights 12
New Heights 8
New Heights 8 (CT, DE)
New Heights 9
New Heights 9 (CA, CT, DE)
New Heights 9 AK, MN, MO, MS, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA
North American Company
BenefitSolutions 10
BenefitSolutions 14
BenefitSolutions 14 (FL, IN, MD, MS)
BenefitSolutions II
Charter Plus 10
Charter Plus 10 (State Variations)
Charter Plus 14
IncomeChoice 10
IncomeChoice 7
Performance Choice 12
Performance Choice 12 Plus
Performance Choice 8
Performance Choice 8 Plus
PrimePath 12
PrimePath 9
RetireChoice 10
RetireChoice 10 OABR
RetireChoice 14
RetireChoice 14 OABR
Oxford Life Insurance Company
Royal Select
Select 10
Select 3
Select 5
Select 7
Silver Select
Pacific Life
Pacific Index Advisory 5
Pacific Index Advisory 7
Pacific Index Choice 10
Pacific Index Choice 6
Pacific Index Choice 8
Pacific Index Dimensions 10 Year
Pacific Index Dimensions 10 Year MVA
Pacific Index Dimensions 7 Year
Pacific Index Dimensions 7 Year MVA
Pacific Index Edge 10
Pacific Index Edge 7
Pacific Index Foundation 10
Pacific Index Foundation 5
Pacific Index Foundation 7
Phoenix Life Insurance Company
Personal Protection Choice
Personal Protection Choice (ICC09EIAN)
Personal Protection Choice AK, MN, MO, NC, NJ, OR, VA, WA
Phoenix Personal Income Annuity
Phoenix Personal Income Annuity (ICC09EIAN)
Phoenix Personal Income Annuity AK,MN,MO,NC,NJ,OR, VA,WA
Phoenix Personal Retirement Choice (IB)
Phoenix Personal Retirement Choice AK, MN, MO, NC, NJ, OR, VA, WA (IB)
Phoenix Personal Retirement Choice DE,IN,KY, MS,MT,NV,OH,OK,UT (IB)
Principal Financial Group
Secure Choice 4
Secure Choice 5
Secure Choice 6
Secure Choice 7
Protective Life And Annuity (NY)
Protective Indexed Annuity 10 NY
Protective Indexed Annuity 10 with ROP NY
Protective Indexed Annuity 5 NY
Protective Indexed Annuity 5 with ROP NY
Protective Indexed Annuity 7 NY
Protective Indexed Annuity 7 with ROP NY
Protective Life Corporation
Asset Builder 10
Asset Builder 5
Asset Builder 6
Asset Builder 7
Asset Builder 8
Asset Builder 9
Protective Income Builder
Protective Indexed Annuity II 10
Protective Indexed Annuity II 10 with ROP
Protective Indexed Annuity II 5
Protective Indexed Annuity II 5 with ROP
Protective Indexed Annuity II 7
Protective Indexed Annuity II 7 with ROP
Reliance Standard Life
Keystone 10 Index Annuity
Keystone 10 Index Annuity (AL)
Keystone 5 Index Annuity
Keystone 5 Index Annuity (AL)
Keystone 7 Index Annuity
Keystone 7 Index Annuity (AL)
Sagicor Life Insurance Company
Sage Select
Sample Company
Sample Annuity A
Sample Annuity B
Security Benefit Life
Foundations 5
Foundations 7
Total Value Annuity
Sentinel Security Life Insurance Company
Personal Choice Plus+ (86-90) *FEE*
Personal Choice Plus+ *FEE*
Personal Choice Plus+ FL *FEE*
Summit Bonus Index
Symetra Life Insurance Company
Symetra Advisory Edge 5
Symetra Advisory Edge 7
Symetra Advisory Income Edge 7
Symetra Edge 5
Symetra Edge 7
Symetra Edge Frontier 5
Symetra Edge Frontier 7
Symetra Edge GPS 5 Plus
Symetra Edge GPS 7 Plus
Symetra Edge GPSSM 5
Symetra Edge GPSSM 7
Symetra Edge Plus 5
Symetra Edge Plus 7
Symetra Edge Premier
Symetra Edge Pro 5
Symetra Edge Pro 7
Symetra Income Edge
Symetra Income Edge (No MVA)
Symetra Income Edge Pro
Symetra LINK® Fixed Indexed Annuity—Series 1
The Standard
Index Growth Annuity 5
Index Growth Annuity 7
Index Select Annuity 10
Index Select Annuity 10 (Blue Series)
Index Select Annuity 5
Index Select Annuity 5 (Blue Series)
Index Select Annuity 7
Index Select Annuity 7 (Blue Series)
Strategic Choice Annuity 7
Transamerica Life
Secure Retirement Index Annuity 10
Secure Retirement Index Annuity 5
Secure Retirement Index Annuity 8
United States Life Insurance Co. (NY)
Power Index 7 No ROP
Power Index 7 ROP
VALIC
Power Index Elite (No GLB)
Power Index Elite (with GLB)
Power Index Elite (with GLB) LIPM
VOYA Insurance and Annuity Company
Voya Journey Index Annuity
Voya Lifetime Income Annuity
Voya Quest 5
Voya Quest 5 ROP
Voya Quest 7
Voya Quest Plus
Voya Wealth Builder 6
Voya Wealth Builder 6 with RenewalFLEX
Voya Wealth Builder 8
Voya Wealth Builder 8 with RenewalFLEX
Voya Wealth Builder Plus

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