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 For example, any money withdrawn in the third year over the 10% Free Withdrawal Provision would be subject to a 3.00% penalty.

Withdrawal of any funds prior to age of 59 1/2 are subject to an IRS Penalty of 10% of the funds withdrawn.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

American Equity Investment Life Insurance Company
FPDA 1 FPDA-10 (MVA) FPDA-11 (MVA) FPDA-12 Premier Eagle 10 (FPDA-7-08) Premier Eagle 12 (FRG-09)
American General Life Insurance Company
AG Horizon VM AG HorizonFlex AG HorizonMYG AG HorizonPlus
American National Insurance Company
Citadel 5 Diamond Citadel 7 Diamond Palladium Palladium Advisor Palladium Century Palladium Century 1 Palladium Century 3 Palladium Century 5 Palladium Century 7 Palladium Plus 1 Palladium Plus 3 Palladium Ultra 5 Palladium Ultra 7 The Eagle Annuity
American National Life Insurance Company of NY
WealthQuest Citadel 5 Diamond WealthQuest Citadel 7 Diamond
Annuity Investors Life (Great American Life)
Advantage 8 ^SM GreatFlex 5 GreatFlex 6 403(b) & 457(b)
Assurity Life
Encore Bonus
Aviva Life & Annuity
Freedom 3 (1-Year) Freedom 5 (1-Year) Freedom 7 (1-Year) Freedom Plus (1-Year) Freedom Xtra (1-Year)
Aviva Life and Annuity
Income Select Spirit Plus Income Select Spirit Plus S Spirit 3 (1-Year) Spirit 5 (1-Year) Spirit 7 (1-Year) Spirit Bonus (1-Year)
CUNA Mutual
Members Focus Fixed Annuity 4 Members Focus Fixed Annuity 5
Dearborn National
Classic Fortifier Platinum Fortifier
EquiTrust Life Insurance Company
Choice Four (Liquidity & MVA Option) ChoiceFour (Base Contract) ChoiceFour (Liquidity Option) ChoiceFour (MVA Option)
First SunAmerica
FSA Flex 5 1-Year FSA Flex 5 1-Year (Qualified Only) FSA Flex 5 3-Year FSA Flex 7 1-Year FSA Flex 7 1-Year (Qualified Only) FSA Flex 7 3-Year FSA Flex 7 5-Year FSA Security Builder 5 3-Year FSA Security Builder 5 (1-Year, Qualified) FSA Security Builder 5 1-Year
First Symetra Nat’l Life Ins Co of NY
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) First Symetra Flex Premium
Forethought Financial
Secure Bonus 115^sm Secure Income 125
Fort Dearborn Life of New York
Classic Fortifier
Genworth Life Insurance Company
SecureLiving Independence SecureLiving Liberty 1-Year Guaranty SecureLiving Liberty 3-Year Guaranty SecureLiving Liberty 5-Year Guaranty SecureLiving SmartRate SecureLiving SmartRate 3 SecureLiving SmartRate 5
Genworth Life of New York
Liberty NY 1-Yr Guaranty Liberty NY 3-Yr Guaranty Liberty NY 5-Yr Guaranty SecureLiving Independence NY SecureLiving SmartRate NY (1) SecureLiving SmartRate NY (3) SecureLiving SmartRate NY (5)
Great American Life Insurance Company
American Freedom 10-ST Secure American
Guaranty Income Life
Flex 10 Flex 7
Guardian Insurance & Annuity Co.
The Guardian Tradition (2-Year) The Guardian Tradition (5-Year)
Integrity Life Insurance
New Momentum 2 New Momentum 3 New Momentum 5 New Momentum 6 New Momentum 7 New Momentum QIO SPDA Series II 1 SPDA Series II 3 SPDA Series II 5
Investors Insurance (Legacy)
EnhanceMark RateMark 1
Jackson National Life
Action One Action Two Bonus Max - EIA Bonus Max One - EIA Bonus Max Two - EIA
Jackson National Life of New York
NY Action
Liberty Bankers Life
Liberty Choice Liberty Select
Life of the Southwest
Retire Five Retire Four RetireMax FPDA 1 403(b) RetireMax FPDA 2 403(b) RetireMax FPDA 3 403(b) RetireMax Millenium Flex RetireMax Millennium Plus RetireMax Roth Advantage RetireMax TLC RetireOne RetireThree RetireTwo
Lincoln Benefit Life
SureHorizon II 1 SureHorizon II 3
Midland National Life
MNL Flex I MNL Flex II MNL Flex III MNL Leader
Minnesota Life
SecureOption Extra - 3 Year SecureOption Flex
National Integrity Life Insurance
New Momentum 2 New Momentum 3 New Momentum 5 SPDA Series II 1 SPDA Series II 3 SPDA Series II 5
National Western Life
Confidence Flex 45 Confidence Flex 85 NWL Accumulator Five NWL Benefit Assurance NWL Future Assurance NWL Prevail Seven NWL Protector One NWL Value Assurance
North American Company
Boomer Annuity North American Director North American Flex I North American Flex II North American Flex III
Pacific Life
Pacific Explorer 1 Pacific Explorer 3
Penn Mutual Life
Single Premium Fixed Deferred Annuity
Presidential Life
No Load Flex
Principal Financial Group
FPDA Plus 1-Year Guaranty FPDA Plus 5-Year Guaranty Guaranteed Annuity 1-Year Guaranty Guaranteed Annuity 3-Year Guaranty
Protective Life Corporation
ProSaver Secure II Fixed Annuity 1 ProSaver Secure II Fixed Annuity 2 ProSaver Secure II Fixed Annuity 4 ProSaver Secure II Fixed Annuity 6
RBC Insurance
Guarantee 3 + 3 Master SPDA, MVA, years 1-3 Guarantee 3 + 3 Master SPDA, Non-MVA, years 1-3 Master Builder SPDA Value Master SPDA
Reliance Standard Life
Apollo MVA Apollo SP Argus 2000 MVA Argus 2000 SP Eleos MVA Eleos SP
ReliaStar Life Insurance Company
ING QuintaFlex (NQ) ING QuintaFlex (TSA/457) ING Retirement Plus (NQ) ING Retirement Plus (TSA/457) ING StrataFlex (NQ) ING StrataFlex (TSA/457)
ReliaStar Life Insurance Company of NY
Classic Flex NY Classic Flex NY 3 Classic Flex NY 5
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 1 SBLI Optimizer 2 SBLI Optimizer 3 SBLI Optimizer 5
Symetra Life Insurance Company
Symetra Custom 5 (3) Year Symetra Custom 5 (3-Year ROP) Symetra Custom 7 (3) Year Symetra Custom 7 (3-Year ROP) Symetra Custom 7 (5) Year Symetra Custom 7 (5-Year ROP)
The Standard
First Rate Annuity 7 FPDA Principal Growth Annuity 5 Principal Growth Annuity 7 Principal Growth Annuity 9 Secured Rate Annuity 1
Transamerica Life
Trans 10 Enhanced Rate Option
United States Life Insurance Co. (NY)
AG HorizonFlex
VALIC
ProFlex Annuity (403b/457b) ProFlex Annuity (IRA) ProFlex Annuity (NQ)
West Coast Life
Secure Advantage 1 Secure Advantage 2 Secure Advantage 4 Secure Advantage 6
Western National Life Insurance Company
UltraMYG WNL Flex 5 - 1 Year WNL Flex 5 - 1 Year (Qualified Only) WNL Flex 5 - 3 Year WNL Flex 7 - 1 Year WNL Flex 7 - 1 Year (Qualified Only) WNL Flex 7 - 3 Year WNL Flex 7 - 5 Year WNL Security Builder 5 1-Year WNL Security Builder 5 3-Year

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