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 For example, any money withdrawn in the third year over the 10% Free Withdrawal Provision would be subject to a 3.00% penalty.

Withdrawal of any funds prior to age of 59 1/2 are subject to an IRS Penalty of 10% of the funds withdrawn.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-10 (MVA) Premier Eagle 10 (FPDA-7-08) Premier Eagle 12 (FRG-2-09)
American General Life Insurance Company
AG HorizonFlex AG HorizonFlex (CA) AG HorizonMYG AG HorizonMYG (CA) AG HorizonPlus AG HorizonPlus (CA)
American National Insurance Company
Citadel 5 Diamond Citadel 7 Diamond Palladium Advisor Palladium Century Palladium Century 1 Palladium Century 3 Palladium Century 5 Palladium Century 7 Palladium Group Fixed Deferred
American National Life Insurance Company of NY
WealthQuest Citadel 5 Diamond WealthQuest Citadel 7 Diamond
Americo
Platinum Secure
Assurity Life
Encore Bonus
Aviva Life & Annuity (Income Series)
Income Select Spirit 3 (1-Year) Income Select Spirit 5 (1-Year) Income Select Spirit 7 (1-Year) Income Select Spirit Bonus (1-Year) Income Select Spirit Plus Income Select Spirit Plus S
Aviva Life & Annuity (MultiChoice Series)
Freedom 3 (1-Year) Freedom 5 (1-Year) Freedom 7 (1-Year) Freedom Plus (1-Year) Freedom Plus (1-Year) S Freedom Xtra (1-Year)
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 SunAmerica
FSA Flex 5 1-Year with Premium Bonus FSA Flex 5 1-Year with Premium Bonus (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 FSA Security Builder 5 1-Year (Qualified Only)
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)
Forethought Financial
Secure Bonus 115 Plus^sm Secure Bonus 115^sm Secure Income 125
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
AssurancePlus 5 AssurancePlus 7 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
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
Jackson National Life
Action One Action Two Bonus Max Bonus Max One Bonus Max Two OptiMAX One® OptiMAX Level Rate One® OptiMAX Level Rate Two® OptiMAX® OptiMAX® 125 OptiMAX® 3 OptiMAX® 4 OptiMAX® 5 OptiMAX® 6 Super Max
Liberty Bankers Life
Liberty Choice Liberty Select Liberty USA 100 Liberty USA 500
Life of the Southwest
Retire Five Retire Four RetireMax FPDA 1 403(b) RetireMax FPDA 2 403(b) RetireMax FPDA 3 403(b) RetireMax Income Master RetireMax Millenium Flex RetireMax Millennium Plus RetireMax Roth Advantage RetireOne RetireThree RetireTwo
MetLife Investors USA Insurance Company
Fixed Annuity XG 3 Fixed Annuity XG 5 Fixed Annuity XG 1 FPDA 1 FPDA 3
Midland National Life
MNL Flex I MNL Flex II MNL Flex III
Minnesota Life
SecureOption Extra - 3 Year SecureOption Flex SecureOption Focus 1 SecureOption Focus 3 SecureOption Focus 5
National Integrity Life Insurance
New Momentum 2 New Momentum 3 New Momentum 5 New Momentum 6 SPDA Series II 1 SPDA Series II 3 SPDA Series II 5
National Western Life
NWL Benefit Assurance NWL Future Assurance NWL Value Assurance
New York Life Insurance and Annuity Corporation
NYL Preferred Choice Fixed Annuity II 6 (1-Year Guaranty) NYL Preferred Choice Fixed Annuity II 6 (3-Year Guaranty) NYL Preferred Choice Fixed Annuity II 7 (1-Year Guaranty) NYL Preferred Choice Fixed Annuity II 7 (3-Year Guaranty)
North American Company
Boomer Annuity North American Director North American Flex I North American Flex II North American Flex III
Presidential Life
FPDA, No Load Flex Patriot 1 Year SPDA
Principal Financial Group
FPDA Plus 1-Year Guaranty FPDA Plus 5-Year Guaranty FPDA Plus 7-Year Guaranty Principal Guaranteed Annuity 1-Year Guaranty Principal 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
Reliance Standard Life
Apollo MVA Apollo SP Eleos MVA Eleos SP
ReliaStar Life Insurance Company
ING Premier 3 ING Premier 5 ING Premier Flex Annuity ING QuintaFlex (NQ) ING QuintaFlex (TSA/457) ING Retirement Plus (NQ) ING Retirement Plus (TSA/457) ING StrataFlex (NQ) ING StrataFlex (TSA/457)
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
Lighthouse Select 1 Lighthouse Select 3
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
Advantage Growth Annuity 7 FPDA Secured Rate Annuity 1
United States Life Insurance Co. (NY)
AG HorizonFlex
VALIC
ProFlex Annuity (403b/457b) ProFlex Annuity (IRA) ProFlex Annuity (NQ)
Western National Life Insurance Company
BB&T Decathlon 5 3-Year BB&T Decathlon 7 1-Year BB&T Decathlon 7 3-Year BB&T Decathlon 7 5-Year UltraMYG WNL Flex 5 - 1 Year WNL Flex 5 - 1 Year (Qualified Only) WNL Flex 5 - 1 Year with Premium Bonus WNL Flex 5 - 1 Year with Premium Bonus (Q) WNL Flex 5 - 3 Year WNL Flex 7 - 1 Year WNL Flex 7 - 1 Year (Qualified Only) WNL Flex 7 - 1 Year with Premium Bonus WNL Flex 7 - 1 Year with Premium Bonus (Q) WNL Flex 7 - 3 Year WNL Flex 7 - 5 Year WNL Security Builder 5 1-Year WNL Security Builder 5 1-Year (Q) WNL Security Builder 5 3-Year
Western-Southern Life Assurance Company
Horizon Horizon 3 with ROP MultiRate 1-Year MultiRate 3-Year MultiRate 4-Year MultiRate 5-Year MultiRate 2-Year

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