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 2/28/2017

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
VOYA Insurance and Annuity Company
Voya Secure Index Five with RenewalFLEX
(25,491) 2.02 2.54 2.67
Reliance Standard Life
Keystone 5 Index Annuity
(17,746) 2.38 2.55 2.60


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
VOYA Insurance and Annuity Company
Voya Secure Index Seven with RenewalFLEX
(13,777) 2.96 3.52 3.67 3.73
AIG
WNL Power Index Choice Annuity 7
(3,558) 3.53 3.44 3.44 3.46


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
WNL Power Index Choice Annuity 7
WNL 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
Allianz Endurance Plus
MasterDex X Annuity
American Equity Investment Life Insurance Company
Advantage Gold (Index-6-07)
Benefit Gold (ICC13 IDX7)
Bonus Gold (Index 1-05) DE
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)
CT Gold
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 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 7
Ultimate One Index 9
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 10FL
BCA Elevate 12
BCA Elevate 8
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® 10
Athene Performance Elite® 15
Athene Performance Elite® Plus 10 Pro
Athene Performance Elite® Plus 15
Benefit 10
Benefit 10 Pro
Benefit 10 Select
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 14
FG Index-Choice 10
FG Retirement Pro
Performance Pro
Performance Pro with GMWB
Prosperity Elite 10
Prosperity Elite 10 Enhancement
Prosperity Elite 10 Protection
Prosperity Elite 14
Prosperity Elite 14 Enhancement
Prosperity Elite 14 Protection
Prosperity Elite 7
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 Accumulations
Choice Income
ForeAccumulation 6
ForeAccumulation 8
ForeFreedom Savers
ForeIncome 7
ForeIncome 9
ForeSpending Select (with Bonus)
ForeSpending Select (without Bonus)
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 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 7
Jackson National Life
Elite Choice 10
Elite Choice Rewards 10
Jackson AscenderPlus Select® 10
Select Annual Reset
Lincoln Financial Group
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 10 (CT, DE FL, FL, IN, MD, MS, NV, OH, OK, SC, TX)
BenefitPay 14
BenefitPay 14 (FL, IN, MD, MS)
BenefitPay II (AK, MN, MO, OR, PA, UT, VA, WA)
Capstone 10
Capstone 14
Endeavor 12
Endeavor 12 Plus
Endeavor 8
Endeavor 8 Plus
Endeavor 8 Plus OK
Endeavor 8 Plus UT
Endeavor 8 UT
IncomeVantage 10 Series 1
IncomeVantage 10 Series 2
IncomeVantage 10 Series 2 OH
IncomeVantage 10 Series 2 TX
IncomeVantage 14 Series 1
IncomeVantage 14 Series 2
IncomeVantage 14 Series 2 (CA)
IncomeVantage 7
Index Builder 10
Index Builder 10 II
Index Builder 14
Innovator Choice 10
Innovator Choice 14
Prosper 7
Prosperity Choice 10
Prosperity Choice 14
RetireVantage 10
RetireVantage 10 (OH, OK, TX)
RetireVantage 10 (UT)
RetireVantage 10 OABR
RetireVantage 10 OABR (OH, OK, TX)
RetireVantage 10 OABR (UT)
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
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
Clear Horizon® Fixed Indexed Annuity
Clear Horizon® Fixed Indexed Annuity ROP
Nationwide Peak
Nationwide Peak MVA
Nationwide Summit
Nationwide Summit MVA
New Heights 10
New Heights 10 FIA (AK, CT, DE, MN, MO, NV, OR, PA, UT, WA)
New Heights 10 FIA (MS, NJ, OH, OK, SC, TX)
New Heights 12
New Heights 8
New Heights 8 (AK, CT, DE, MN, MO, NV, OR, PA, UT, WA)
New Heights 9
New Heights 9 (AK, CT, DE, MN, MO, NV, OR, PA, UT, WA)
New Heights 9 (MS, NJ, OH, OK, SC, TX)
North American Company
BenefitSolutions 10
BenefitSolutions 10 (CT, FL, IN, MS, MD, NV, OH...)
BenefitSolutions 14
BenefitSolutions 14 (FL, IN, MD, MS)
BenefitSolutions II
Charter 10
Charter 14
Charter Plus 10
Charter Plus 10 II
Charter Plus 14
IncomeChoice 10 Series 1
IncomeChoice 10 Series 2
IncomeChoice 10 Series 2 (OH)
IncomeChoice 10 Series 2 TX
IncomeChoice 7
Performance Choice 12
Performance Choice 12 Plus
Performance Choice 8
Performance Choice 8 (UT)
Performance Choice 8 Plus
Performance Choice 8 Plus (UT)
Precision 10
Precision 14
RetireChoice 10
RetireChoice 10 (OH, OK)
RetireChoice 10 (UT)
RetireChoice 10 OABR
RetireChoice 10 OABR (OH, OK)
RetireChoice 10 OABR (UT)
RetireChoice 14
RetireChoice 14 OABR
Oxford Life Insurance Company
Royal Select
Select
Silver Select
Pacific Life
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
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
Summit Bonus Index
Symetra Life Insurance Company
Symetra Edge Frontier 5
Symetra Edge Frontier 7
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 5
Index Select Annuity 7
Strategic Choice Annuity 7
Transamerica Life
Secure Retirement Index Annuity 5
Secure Retirement Index Annuity 8
VALIC
Power Index Elite (No GLB)
Power Index Elite (with GLB)
Power Index Elite (with GLB) LIPM
VOYA Insurance and Annuity Company
Voya Journey
Voya Lifetime Income Annuity
Voya Quest 5
Voya Quest 5 ROP
Voya Quest 7
Voya Quest Plus
Voya Secure Index Five with RenewalFLEX
Voya Secure Index Five with ROP and RenewalFLEX
Voya Secure Index Opportunities Plus
Voya Secure Index Outlook Annuity
Voya Secure Index Seven with RenewalFLEX
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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