Hot Products of the Month

Each month, we carefully monitor products from our top insurance carriers to see what is performing best in our ever-changing marketplace. With the annuity industry in a constant sea of change, it’s hard for agents and financial advisors to monitor everything.

We want you to know the latest so you can maintain a sharp, competitive edge. Our research includes a watchful eye on many fronts: carriers’ quality of service, renewal rates, indexed-based product caps, income option rates, income scenarios, not to mention much more.

To help you keep a finger on the pulse of the industry, each month we share what our advisor-partners are writing. Our updates are below, which are real-time illustrations we have pulled from top carriers so you stay updated of what’s going on.

To learn more about these hot product opportunities and how you can serve your clients with the latest and best of today’s offerings, click on your carrier and product of interest.

Accumulation Products – 60 Male AZ $100K

Historical Illustrated Values (10 year periods)

Carrier Product Crediting Strategy Rate (cap, spread, par) Recent Highest Lowest
Athene Performance Elite 15 Janus SG Market Consensus II 2 yr Pt to Pt 90% par 7.64 8.00
AIG Power 10 Protector PIMCO 2 year Pt to Pt  2.45 spread 9.73 10.78 5.10
Global Atlantic Choice Accumulation 7 Franklin 2 year Pt to Pt .65% spread 8.42 8.62 7.18
F&G Accumulator Plus 10 Barclays Trailblazer Sectors 5 2 yr Pt to Pt 140% par 8.44 8.44 6.36
LMG ClassicMark 10 Morgan Stanley Target Equity Balance 2 yr pt to pt 70% par 7.4 8.64 7.34
NACOLAH Benefit Solutions 14 S&P 500 DRC 5% 1 yr Pt to Pt 0.80 spread 5.17 5.54 4.14
Pacific Life Index Dimensions 10 MCSI EAFE 2 yr Pt to Pt 83% par with 4% spread 3.35 5.35 -2.06
Nassau Personal Protection Choice CS Tactical Multi Asset 2 yr Pt to Pt 0.0 spread 4.51 9.26 5.35
Allianz 222 Pimco Tactical Balinced Index 1 yr pt to pt 90% par 4.93 5.47 4.41
AEL AssetShield 10 S&P 500 Dividend Aristocrats DRC 2 Yr 175% par 7.73 7.73 3.24
ACL/Sentinel RPM w/ Growth Benefit Rdr Goldman SACHS Motif 3 yr pt to pt 200% par 1.25% Fee 8.77 10.00 7.11
Lincoln Retirement Safeguard Black Rock 2 yr pt to pt spread & par rate 100% par 1.00% spread 5.31 7.42 4.29

Income Products – 60 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 60

Payout (in dollars) Carrier Product
5,304 Nassau Personal Income Annuity
4,860 Great American Premier Income Bonus
4,715 Athene Ascent 10 Bonus 2.0
4,704 NACOLAH Benefit Solutions 14
4,644 ACL/Sentinel Guaranteed Income Annuity
4,500 Pacific Life Index Dimensions 10
4,250 Global Atlantic Choice Income 10 option 1

1 Year Deferral – @ age 61

Payout (in dollars) Carrier Product
5,913 Nassau Personal Income Annuity
5,871 NWL Ultra Future, IOP5
5,738 AEL IncomeShield 10 – 7.25
5,365 Great American Premier Income Bonus
5,250 Athene Ascent 10 Bonus 2.0
5,108 ACL/Sentinel Guaranteed Income Annuity
5,029 Legacy Marketing FlexMark Select, MyFit w/Booster
4,836 NACOLAH Benefit Solutions 14
4,785 Global Atlantic Choice Income 10 option 1
4,760 F&G Safe Income Plus
4,725 Pacific Life Index Dimensions 10
4,968 ACL/Sentinel Income Navigator

5 Year Deferral – @ age 65

Payout (in dollars) Carrier Product
7,945 AEL IncomeShield 10 – 7.25
7,907 F&G Safe Income Plus
7,718 Nassau Personal Income Annuity
7,590 Athene Ascent Bonus 2.0
7,560 Great American Premire Income Bonus
7,442 ACL/Sentinel Guaranteed Income Annuity
7,269 NWL Ultra Future, IOP5
7,125 Global Atlantic Choice Income 10 option 1
7,119 Equitrust Market Power Bonus Index
7,078 ACL/Sentinel Income Navigator
6,734 NACOLAH Benefit Solutions 14
6,250 Pacific Life Index Dimensions 10

10 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
12,465 F&G Safe Income Plus
11,797 ACL/Sentinel Guaranteed Income Annuity
11,497 AEL IncomeShield 10 – 6%
11,417 ACL/Sentinel Income Navigator
11,376 Nassau Personal Income Annuity
11,213 Legacy Marketing FlexMark Select, MyFit w/ Booster
10,965 Athene Ascent 10 Bonus 2.0
10,692 Great American Premier Income Bonus
10,530 Equitrust Market Power Bonus Index
10,500 Global Atlantic Choice Income 10 option 1
9,192 NWL Ultra Future, IOP5
8,670 ACL/Sentinel Retirement Plus Multiplier
8,250 Pacific Life Index Dimensions 10
8,096 NACOLAH Benefit Solutions 14

Income Products – 65 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 65

Payout (in dollars) Carrier Product
5,876 Nassau Personal Income Annuity
5,532 NACOLAH Benefit Solutions 14
5,400 Great American Premier Income Bonus
5,290 Athene Ascent 10 Bonus 2.0
5,184 ACL/Sentinel Guaranteed Income Annuity
5,000 Pacific Life Index Dimensions 10
4,750 Global Atlantic Choice Income 10 option 1

1 Year Deferral – @ age 66

Payout (in dollars) Carrier Product
6,476 Nassau Personal Income Annuity
6,458 NWL Ultra Future, IOP5
6,369 AEL IncomShield 10 – 7.25
5,979 F&G Safe Income Plus
5,949 Great American Premier Income Bonus
5,875 Athene Ascent 10 Bonus 2.0
5,778 ACL/Sentinel Income Navigator
5,748 NACOLAH Benefit Solutions 14
5,689 ACL/Sentinel Guaranteed Income Annuity
5,671 Legacy Marketing FlexMark Select, MyFit w/Booster
5,335 Global Atlantic Choice Income 10 option 1
5,250 Pacific Life Index Dimensions 10

5 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
8,747 AEL IncomeShield – 7.25
8,683 F&G Safe Income Plus
8,602 Nassau Personal Income Annuity
8,415 Athene Ascent Bonus 2.0
8,316 Great American Premier Income Bonus
8,218 ACL/Sentinel Guaranteed Income Annuity
8,140 ACL/Sentinel Income Navigator
7,995 Legacy Marketing FlexMark Select, MyFit w/Booster
7,929 NWL Ultra Future, IOP5
7,905 ACL/Sentinel Retirement Plus Multiplier
7,869 Equitrust Market Power Bonus Index
7,875 Global Atlantic Choice Income 10 option 1
7,462 NACOLAH Benefit Solutions 14
6,875 Pacific Life Index Dimensions 10

10 Year Deferral – @ age 75

Payout (in dollars) Carrier Product
14,313 F&G Safe Income Plus
12,910 ACL/Sentinel Guaranteed Income Annuity
12,456 Nassau Personal Income Annuity
12,445 AEL IncomeShield 10 – 6%
12,409 ACL/Sentinel Income Navigator
12,196 Legacy Marketing FlexMark Select, MyFit w/Booster
12,040 Athene Ascent 10 Bonus 2.0
11,664 Great American Premier Income Bonus
11,533 Equitrust Market Power Bonus Index
11,500 Global Atlantic Choice Income 10 option 1
9,958 NWL Ultra Future, IOP5
9,240 ACL/Sentinel Retirement Plus Multiplier
8,960 NACOLAH Benefit Solutions 14
8,250 Pacific Life Index Dimensions 10

Income Products – 70 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 70

Payout (in dollars) Carrier Product
6,409 Nassau Personal Income Annuity
5,988 NACOLAH Benefit Solutions 14
5,940 Great American Premier Income Bonus
5,865 Athene Ascent 10 Bonus 2.0
5,724 ACL/Sentinel Guaranteed Income Annuity
5,500 Pacific Life Index Dimensions 10
5,250 Global Atlantic Choice Income 10 option 1

1 Year Deferral – @ age 71

Payout (in dollars) Carrier Product
7,095 Nassau Personal Income Annuity
7,045 NWL Ultra Future, IOP5
7,000 AEL IncomeShield – 7.25
6,560 F&G Safe Income Plus
6,532 Great American Premier Income Bonus
6,500 Athene Ascent 10 Bonus 2.0
6,276 NACOLAH Benefit Soutions 14
6,269 ACL/Sentinel Guaranteed Income Annuity
6,206 Legacy Marketing FlexMark Select, MyFit w/Booster
5,885 Global Atlantic Choice Income 10 option 1
5,775 Pacific Life Index Dimensions 10
6,383 ACL/Sentinel Income Navigator

5 Year Deferral – @ age 75

Payout (in dollars) Carrier Product
9,970 F&G Safe Income Plus
9,476 AEL IncomeShield – 7.25
9,401 Nassau Personal Income Annuity
9,240 Athene Ascent Bonus 2.0
9,072 Great American Premier Income Bonus
8,993 ACL/Sentinel Guaranteed Income Annuity
8,848 ACL/Sentinel Retirement Plus Multiplier
8,696 Legacy Marketing FlexMark Select, MyFit w/Booster
8,618 Equitrust Market Power Bonus Index
8,625 Global Atlantic Choice Income 10 option 1
8,590 NWL Ultra Future, IOP5
8,448 ACL/Sentinel Income Navigator
8,176 NACOLAH Benefit Solutions 14
6,875 Pacific Life Index Dimensions 10

10 Year Deferral – @ age 80

Payout (in dollars) Carrier Product
15,537 F&G Safe Income Plus
14,023 ACL/Sentinel Guaranteed Income Annuity
13,899 ACL/Sentinel Income Navigator
13,413 AEL IncomeShield 10 – 6%
13,368 Nassau Personal Income Annuity
13,115 Athene Ascent 10 Bonus 2.0
12,636 Great American Premier Income Bonus
12,536 Equitrust Market Power Bonus Index
12,500 Global Atlantic Choice Income 10 option 1
12,295 Legacy Marketing FlexMark Select, MyFit w/Booster
10,724 NWL Ultra Future, IOP5
10,248 ACL/Sentinel Retirement Plus Multiplier
9,840 NACOLAH Benefit Solutions 14
9,750 Pacific Life Index Dimensions 10

Participating Income Products – 60 Male AZ $100k Premium

(non guaranteed Annual Increasing Payout)

5 year deferral – @ age 65

Payout (in dollars) Carrier Product Illustrated Yield
9,592 AIG Power 10 Protector Plus Income 7.15
8,431 Global Atlantic Choice Income 10 option 2 7.73
7,583 Athene Ascent 10 Bonus 2.0 5.45
7,420 F&G Performance Pro 6.14
6,927 NACOLAH Benefit Solutions 14 5.17

10 year deferral – @ age 70

Payout (in dollars) Carrier Product Illustrated Yield
17,143 Athene Agility 10 7.53
15,990 Global Atlantic Choice Income 10 option 2 7.73
14,122 F&G Performance Pro 6.14
14,114 Allianz 222 5.17
13,869 Athene Ascent 10 Bonus 2.0 5.45
12,939 AIG Power 10 Protector Plus Income 7.93
12,689 ACL/Sentinel Retirement Plus Multiplier 5.30
10,184 Lincoln Retirement SafeGuard 5.31
10,048 NACOLAH Benefit Solutions 14 5.17

15 year deferral – @ age 75

Payout (in dollars) Carrier Product Illustrated Yield
26,014 Athene Agility 10 7.53
25,503 Global Atlantic Choice Income 10 option 2 7.73
21,694 F&G Performance Pro 6.14
20,885 Allianz  222 5.17
19,699 Athene Ascent 10 Bonus 2.0 5.45
16,019 AIG Power 10 Protector Plus Income 7.93
15,759 Lincoln Retirement SafeGuard 5.31
13,567 NACOLAH Benefit Solutions 14 5.17

Enhanced Death Benefit Products – 65 Male AZ $100K

Guaranteed Enhanced Death Benefit

5 Year DB at 85 Lump Sum at 85 Carrier Product Rider Charge (bps)
1,79,085 1,62,000 F&G Prosperity Elite 14 130
1,73,400 1,29,526 Great American Valor 10, Inheritance Enhancer 95
215,000 * 1,50,500 Athene Benefit 10 140
1,60,000 AV NACOLAH Benefit Solutions 14 120
na 1,80,000 Phoenix Personal Protection Choice 115
1,55,575 1,16,681 NWL Income Protector 0
na 134,587 * * Pacific Life Index Dimensions 40
na 130% of AV Legacy Marketing LibertyMark SE 10, Heritage Maximizer 30
155,795 * *  106,767 * * NACOLAH Prime Path 12 0
na 2,05,000 Global Atlantic Choice Accumulation 10 50
* 10 year payout
* * accumulation value earnings stacked on guarantee (not shown)

5 Year MYGA – 65 Male AZ 100K

Base Rate Carrier Product Carrier Rating Notes
2.30 American Equity Guarantee 5 MVA A-
3.25 Athene Max Rate 5 A- 100k plus
4.15* Atlantic Coastal Life Safe Harbor Bonus B++ 5.15 Yr 1 * Simple interest
3.80 Atlantic Coastal Life Safe Haven Bonus B++ 4.80 Yr 1
3.20 Colorado Banker Life CBLA 5 B++
3.70 F&G Guarantee-Platinum 5 A-
3.30 Global Atlantic SecureForce 5 A
3.35 Guggenheim Preserve MYGA 5 B++
3.80 Liberty Bankers Life Bankers Elite 5 B++
3.85 Nassau MyAnnuity 5x B 3.65 with 10% Free w/d’s
3.40 North American Life Guarantee Choice 5 A+ 100k plus
3.30 Oxford Multi-select 5 A-
3.70 Royal Neighbors Choice 5 A-
4.00 Sentinel Security Life Personal Choice 5 B++