Fixed Annuities

A fixed annuity is an annuity issued with a guaranteed interest rate period which is less than the length of time that surrender charges last.

Traditional Fixed Annuity
Year 1 2 3 4 5 6
Interest Rate 5.00% 3.00% 3.00% 3.00% 3.00%  
Surrender Charges 5.00% 4.00% 3.00% 2.00% 1.00% None


A Traditional Fixed Annuity as show above has an Interest Rate Guarantee Period of 1 Year, the guaranteed interest rate is 5.00%. Beginning in year 2 and each year thereafter the insurance company will declare a interest rate for that year. The interest rate projected in year 2 is referred to the base rate.

All Traditional Fixed Annuities have a "Guaranteed Minimum Interest Rate". This GMIR is set at issue and is guaranteed for the life of the annuity policy. The base rate, the rate the company will declare, can never be less than the GMIR. This GMIR is a contractual guarantee.

Withdrawal Provision is a feature of almost all Traditional Fixed Annuities. This provision allows you to withdraw a percentage of your account value or your initial premium each policy year. For example if this Traditional Annuity had a 10% Free Withdrawal Provision at the end of each year you could withdraw up to 10% of your account value. For example, any money withdrawn in the third year over the 10% Free Withdrawal Provision would be subject to a 3.00% penalty.

Withdrawal of any funds prior to age of 59 1/2 are subject to an IRS Penalty of 10% of the funds withdrawn. This is in addition to any penalties incurred as part of the annuity contract.


Product Listing of Traditional Fixed Annuities that We Track

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AIG
AG Granite Annuity 6 - 1 Year
AG Granite Annuity 6 - 1 Year (Q)
AG Granite Annuity 6 - 1 Year ROP
AG Granite Annuity 6 - 1 Year ROP (Q)
AG Granite Annuity 6 - 3 Year
AG Granite Annuity 6 - 3 Year ROP
American Pathway 5 - 1 Year GROP
American Pathway 5 - 1 Year GROP (Q)
American Pathway 5 - 1 Year Non GROP
American Pathway 5 - 1 Year Non GROP (Q)
American Pathway 5 - 1 Year Premium Bonus GROP
American Pathway 5 - 1 Year Premium Bonus GROP (Q)
American Pathway 5 - 1 Year Premium Bonus Non GROP
American Pathway 5 - 1 Year Premium Bonus Non GROP (Q)
American Pathway 5 - 3 Year GROP
American Pathway 5 - 3 Year Non GROP
American Pathway 7 - 1 Year Non GROP
American Pathway 7 - 1 Year Non GROP (Q)
American Pathway 7 - 1 Year GROP
American Pathway 7 - 1 Year GROP (Q)
American Pathway 7 - 1 Year Premium Bonus GROP
American Pathway 7 - 1 Year Premium Bonus GROP (Q)
American Pathway 7 - 1 Year Premium Bonus Non GROP
American Pathway 7 - 1 Year Premium Bonus Non GROP (Q)
American Pathway 7 - 3 Year GROP
American Pathway 7 - 3 Year Non GROP
American Pathway 7 - 5 Year GROP
American Pathway 7 - 5 Year Non GROP
American Pathway UltraMYG
BB&T Decathlon 7 GROP 1-Year
BB&T Decathlon 7 GROP 3-Year
BB&T Decathlon 7 GROP 5-Year
BB&T Decathlon 7 Non-GROP 1-Year
BB&T Decathlon 7 Non-GROP 3-Year
BB&T Decathlon 7 Non-GROP 5-Year
WNL Eagle Nest 1
WNL Eagle Nest 3
WNL PNCI Flexible Premium 5 1-Year
WNL PNCI Flexible Premium 5 3-Year
WNL PNCI Flexible Premium 7 1-Year
WNL PNCI Flexible Premium 7 3-Year
WNL Regions Advantage 1
WNL Regions Advantage 3
American Equity Investment Life Insurance Company
Premier Eagle 10 (FPDA-7-08)
Premier Eagle 12 (FRG-2-09)
American National Insurance Company
Palladium Century
Palladium Century 1
Palladium Century 3
Palladium Century 5
Palladium Century 7
Palladium Group Fixed Deferred
Weath Quest Citadel 5 Diamond
Weath Quest Citadel 7 Diamond
American National Life Insurance Company of NY
WealthQuest Citadel 5 Diamond
WealthQuest Citadel 7 Diamond
Annuity Investors Life
GreatFlex 6
GreatFlex 6 (IRA Contracts)
GreatFlex 6 NQ
Assurity Life
Ascential Plus One Annuity
Encore Bonus
Cincinnati Life
LifeHorizons FPDA
LifeHorizons SPDA
CUNA Mutual
Members Focus Fixed Annuity 4
Members Focus Fixed Annuity 5
EquiTrust Life Insurance Company
Choice Four (Liquidity & MVA Option)
ChoiceFour (Base Contract)
ChoiceFour (Liquidity Option)
ChoiceFour (MVA Option)
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 (3 Year)
First Symetra Custom 5 3-Year (ROP)
First Symetra Custom 7 (3) Year
First Symetra Custom 7 (3-Year ROP)
First Symetra Custom 7 (5) Year
First Symetra Custom 7 (5-Year ROP)
Global Atlantic Financial Group
ForeCare Fixed Annuity with LTC Rider
Great American Life Insurance Company
Secure American
Guaranty Income Life
FlexPlus 10
FlexPlus 10 (1% Bonus)
FlexPlus 10 (2% Bonus)
FlexPlus 10 (3% Bonus)
FlexPlus 5
FlexPlus 7
FlexPlus 7 (1% Bonus)
FlexPlus 7 (2% Bonus)
FlexPlus 7 (3% Bonus)
Integrity Life Insurance Company
New Momentum 5
New Momentum 6
New Momentum QIO
SPDA Series II 1
SPDA Series II 3
SPDA Series II 5
Jackson National Life
Action
Action One
Action Two
Action Two (OR)
Bonus Max
Bonus Max One
Bonus Max Two
MAX
MAX One
MAX One XL
MAX XL
OptiMAX
OptiMAX 125
OptiMAX 125 (OR) ?
OptiMAX One
OptiMAX 100
OptiMAX 3
OptiMAX 4
OptiMAX 4 (OR) ?
OptiMAX 5
OptiMAX 6
OptiMAX Level Rate One
OptiMAX Level Rate Two
SuperMax
SuperMax XL
Liberty Bankers Life
Liberty Choice
Liberty Select
Liberty Life Assurance Company of Boston
Balance Annuity
Balance Annuity No ROP
Midland National Life
FoundationCore 10
FoundationCore 10 Plus
FoundationCore 7
FoundationCore 7 Plus
Minnesota Life
SecureOption Focus 1
SecureOption Focus 3
SecureOption Focus 5
National Catholic Society of Foresters
Serenity Solutions 10
Serenity Solutions 7
National Integrity Life Insurance
New Momentum 5
New Momentum 6
New Momentum QIO
SPDA Series II 3
SPDA Series II 5
National Western Life
NWL Accumulator Five®
NWL Benefit Assurance
NWL Future Assurance
NWL Future Assurance (WA)
NWL Prevail Seven®
NWL Protector One
NWL Value Assurance
Nationwide Life and Annuity Insurance Company
Quatro Select 1
Quatro Select 1 ROP
Quatro Select 3
Quatro Select 3 ROP
Quatro Select 5
Quatro Select 5 ROP
North American Company
FoundationChoice 10
FoundationChoice 10 Plus
FoundationChoice 7
FoundationChoice 7 Plus
Protective Life Corporation
ProSaver Plus II 1
ProSaver Plus II 3
ProSaver Secure II Fixed Annuity 1
ProSaver Secure II Fixed Annuity 1 Without Principal Protection
ProSaver Secure II Fixed Annuity 2
ProSaver Secure II Fixed Annuity 2 Without Principal Protection
ProSaver Secure II Fixed Annuity 4
ProSaver Secure II Fixed Annuity 4 Without Principal Protection
ProSaver Secure II Fixed Annuity 6
ProSaver Secure II Fixed Annuity 6 Without Principal Protection
ProSaver Secure R 1 (ProSaver Secure II alt)
ProSaver Secure R 2 (ProSaver Secure II alt)
ProSaver Secure R 4 (ProSaver Secure II alt)
ProSaver Secure R 6 (ProSaver Secure II alt)
Reliance Standard Life
Apollo MVA
Apollo SP
Eleos MVA
Eleos SP
ReliaStar Life Insurance Company
Voya Premier 3
Voya QuintaFlex (NQ)
Voya QuintaFlex (TSA/457)
RiverSource
Quantum Select 1 (No ROP)
Quantum Select 1 (ROP)
Quantum Select 3 (No ROP)
Quantum Select 3 (ROP)
Royal Neighbors of America
Steady Choice II
Sagicor Life Insurance Company
Sage Choice
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 1 Non MVA
SBLI Optimizer 2 MVA
SBLI Optimizer 3 MVA
SBLI Optimizer 5 MVA
Security Benefit Life
Choice Fixed Annuity 1
Choice Fixed Annuity 3
Lighthouse Select 1
Lighthouse Select 3
RateTrack Annuity 5
RateTrack Annuity 7
Symetra Life Insurance Company
Symetra Custom 5 (3-Year No ROP)
Symetra Custom 5 (3-Year ROP)
Symetra Custom 7 (3-Year No ROP)
Symetra Custom 7 (3-Year ROP)
Symetra Custom 7 (5-Year No ROP)
Symetra Custom 7 (5-Year ROP)
The Standard
Advantage Growth Annuity 5
Advantage Growth Annuity 7
FPDA
Principal Growth Annuity 5
Principal Growth Annuity 7
Principal Growth Annuity 9
Secured Rate Annuity 1
Transamerica Life
Capital Builder 1
Trans 10 Enhanced Rate Option
VALIC
ProFlex Annuity (403b/457b)
ProFlex Annuity (IRA)
ProFlex Annuity (NQ)
Western Catholic Union
Flexible Premium 8-Year
Single Premium 7-Year
Western-Southern Life Assurance Company
Acclaim 1-Year
Acclaim 1-Year ROP
Acclaim 2-Year
Acclaim 2-Year ROP
Acclaim 3-Year
Acclaim 3-Year ROP
Acclaim 4-Year
Acclaim 4-Year ROP
Horizon 1
Horizon 1 ROP
Horizon 3
Horizon 3 with ROP
MultiRate (Option E) 1
MultiRate (Option E) 2
MultiRate (Option E) 3
MultiRate (Option E) 4
MultiRate (Option E) 5
SmartStep
SmartStep ROP

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