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 2 yr Pt to Pt 100% par 7.79 9.24 8.56
AIG Power 10 Protector PIMCO 2 year Pt to Pt 2.60 spread 9.73 10.78 5.10
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 t 93% par 6.91 8.06 6.85
NACOLAH Benefit Solutions 14 S&P 500 DRC 5% 1 yr Pt to Pt 1.10 spread 4.93 5.27 3.91
NACOLAH Prime Path 12 S&P MARC 5% ER 1 yr Pt to Pt .80% spread 5.25 6.36 3.58
Pacific Life Index Dimensions 10 MCSI EAFE 2 yr Pt to Pt 80% par with 4% spread -0.94 6.61 -2.06
Phoenix Personal Protection Choice CS Tactical Multi Asset 2 yr Pt to Pt 1.5% spread 3.94 8.73 4.95
Global Atlantic Choice Accumulation 7 Barclays Armour II 3 yr Pt to Pt 0% spread 2.73 9.22 2.73
Allianz 222 Pimco Tactical Balinced Index 1 yr pt to pt 3.10 spread 3.55 3.37 2.95

Income Products – 60 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 60

Payout (in dollars) Carrier Product
5,200 Phoenix Personal Income Annuity
4,800 Global Atlantic Income 150+
4,725 Pacific Life Index Dimensions 10
4,715 Athene Ascent 10 Bonus 2.0
4,704 NACOLAH Benefit Solutions 14
4,590 Great American Valor 10, Income Secure
4,400 NACOLAH Prime Path 12
4,250 Global Atlantic Choice Income 10 option 1

1 Year Deferral – @ age 61

Payout (in dollars) Carrier Product
5,871 NWL Ultra Future, IOP5
5,363 Phoenix Personal Income Annuity
5,278 AEL IncomeShield 10 – 7.25
5,250 Athene Ascent 10 Bonus 2.0
5,020 Great American Valor 10, Income Secure
4,950 Pacific Life Index Dimensions 10
4,920 Global Atlantic Income 150+
4,876 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
4,635 NACOLAH Prime Path 12

5 Year Deferral – @ age 65

Payout (in dollars) Carrier Product
7,590 Athene Ascent Bonus 2.0
7,442 F&G Safe Income Plus
7,289 AEL IncomeShield 10 – 7.25
7,276 Phoenix Personal Income Annuity
7,269 NWL Ultra Future, IOP5
7,150 Equitrust Market 12 Bonus Index
7,125 Global Atlantic Choice Income 10 option 1
6,885 Great American Valor 10, Income Secure
6,825 Legacy Marketing FlexMark Select, MyFit w/Booster
6,734 NACOLAH Benefit Solutions 14
6,600 Global Atlantic Income 150+
6,250 Pacific Life Index Dimensions 10
5,680 NACOLAH Prime Path 12

10 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
11,797 F&G Safe Income Plus
10,992 Phoenix Personal Income Annuity
10,965 Athene Ascent 10 Bonus 2.0
10,576 Equitrust Market 12 Bonus Index
10,274 Pacific Life Index Dimensions 10
10,244 AEL Bonus Gold
10,029 Legacy Marketing FlexMark Select, MyFit w/ Booster
10,000 Global Atlantic Choice Income 10 option 1
9,537 Great American Valor 10, Income Secure
9,192 NWL Ultra Future, IOP5
8,096 NACOLAH Benefit Solutions 14
7,350 Global Atlantic Income 150+
7,257 NACOLAH Prime Path 12

Income Products – 65 Male AZ $100k Premium

Guaranteed Level Annual Payout)

Immediate Income – @ age 65

Payout (in dollars) Carrier Product
5,746 Phoenix Personal Income Annuity
5,532 NACOLAH Benefit Solutions 14
5,400 Global Atlantic Income 150+
5,290 Athene Ascent 10 Bonus 2.0
5,250 Pacific Life Index Dimensions 10
5,100 Great American Valor 10, Income Secure
4,900 NACOLAH Prime Path 12
4,750 Global Atlantic Choice Income 10 option 1

1 Year Deferral – @ age 66

Payout (in dollars) Carrier Product
6,458 NWL Ultra Future, IOP5
5,926 Phoenix Personal Income Annuity
5,875 Athene Ascent 10 Bonus 2.0
5,853 AEL IncomShield 10 – 7.25
5,748 NACOLAH Benefit Solutions 14
5,689 F&G Safe Income Plus
5,566 Great American Valor 10, Income Secure
5,520 Global Atlantic Income 150+
5,512 Legacy Marketing FlexMark Select, MyFit w/Booster
5,500 Pacific Life Index Dimensions 10
5,280 Global Atlantic Choice Income 10 option 1
5,150 NACOLAH Prime Path 12

5 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
8,415 Athene Ascent Bonus 2.0
8,212 F&G Safe Income Plus
8,075 Phoenix Personal Income Annuity
8,018 AEL IncomeShield – 7.25
7,929 NWL Ultra Future, IOP5
7,903 Equitrust Market 12 Bonus Index
7,574 Great American Valor 10, Income Secure
7,500 Global Atlantic Choice Income 10 option 1
7,500 Global Atlantic Income 150+
7,494 Legacy Marketing FlexMark Select, MyFit w/Booster
7,462 NACOLAH Benefit Solutions 14
6,875 Pacific Life Index Dimensions 10
6,260 NACOLAH Prime Path 12

10 Year Deferral – @ age 75

Payout (in dollars) Carrier Product
14,313 F&G Safe Income Plus
12,096 Phoenix Personal Income Annuity
12,040 Athene Ascent 10 Bonus 2.0
11,583 Equitrust Market 12 Bonus Index
11,229 AEL Bonus Gold
10,924 Legacy Marketing FlexMark Select, MyFit w/Booster
10,500 Global Atlantic Choice Income 10 option 1
10,404 Great American Valor 10, Income Secure
10,274 Pacific Life Index Dimensions 10
9,958 NWL Ultra Future, IOP5
8,960 NACOLAH Benefit Solutions 14
8,250 Global Atlantic Income 150+
7,929 NACOLAH Prime Path 12

Income Products – 70 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 70

Payout (in dollars) Carrier Product
6,019 Phoenix Personal Income Annuity
6,000 Global Atlantic Income 150+
5,988 NACOLAH Benefit Solutions 14
5,865 Athene Ascent 10 Bonus 2.0
5,775 Pacific Life Index Dimensions 10
5,610 Great American Valor 10, Income Secure
5,000 Global Atlantic Choice Income 10 option 1
5,400 NACOLAH Prime Path 12

1 Year Deferral – @ age 71

Payout (in dollars) Carrier Product
7,045 NWL Ultra Future, IOP5
6,500 Athene Ascent 10 Bonus 2.0
6,490 Phoenix Personal Income Annuity
6,426 AEL IncomeShield – 7.25
6,276 NACOLAH Benefit Soutions 14
6,211 F&G Safe Income Plus
6,120 Global Atlantic Income 150+
6,112 Great American Valor 10, Income Secure
6,050 Pacific Life Index Dimensions 10
6,042 Legacy Marketing FlexMark Select, MyFit w/Booster
5,665 NACOLAH Prime Path 12
5,555 Global Atlantic Choice Income 10 option 1

5 Year Deferral – @ age 75

Payout (in dollars) Carrier Product
9,970 F&G Safe Income Plus
9,240 Athene Ascent Bonus 2.0
8,747 AEL IncomeShield – 7.25
8,738 Phoenix Personal Income Annuity
8,656 Equitrust Market 12 Bonus Index
8,590 NWL Ultra Future, IOP5
8,560 Global Atlantic Choice Income 10 option 1
8,262 Great American Valor 10, Income Secure
7,875 Global Atlantic Income 150+
8,176 NACOLAH Benefit Solutions 14
8,163 Legacy Marketing FlexMark Select, MyFit w/Booster
6,875 Pacific Life Index Dimensions 10
6,840 NACOLAH Prime Path 12

10 Year Deferral – @ age 80

Payout (in dollars) Carrier Product
15,537 F&G Safe Income Plus
13,115 Athene Ascent 10 Bonus 2.0
12,984 Phoenix Personal Income Annuity
12,591 Equitrust Market 12 Bonus Index
12,214 AEL Bonus Gold
12,142 Pacific Life Index Dimensions 10
11,500 Global Atlantic Choice Income 10 option 1
11,271 Great American Valor 10, Income Secure
11,193 Legacy Marketing FlexMark Select, MyFit w/Booster
10,724 NWL Ultra Future, IOP5
9,840 NACOLAH Benefit Solutions 14
9,000 Global Atlantic Income 150+
8,601 NACOLAH Prime Path 12

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
9,304 AIG Power 10 Protector Plus Income 6.48
7,393 Global Atlantic Choice Income 10 option 2 3.0
7,583 Athene Ascent 10 Bonus 2.0 5.45
7,506 NACOLAH Prime Path 12 5.25
6,502 F&G Performance Pro 6.14

10 year deferral – @ age 70

Payout (in dollars) Carrier Product Illustrated Yield
13,869 Athene Ascent 10 Bonus 2.0 5.45
12,315 NACOLAH Prime Path 12 5.25
12,550 AIG Power 10 Protector Plus Income 7.19
11,049 Allianz 222 3.55
10,382 Global Atlantic Choice Income 10 option 2 3.00
10,451 F&G Performance Pro 6.14

15 year deferral – @ age 75

Payout (in dollars) Carrier Product Illustrated Yield
22,594 NACOLAH Prime Path 12 5.25
19,699 Athene Ascent 10 Bonus 2.0 5.45
19,330 F&G Performance Pro 6.14
15,057 Global Atlantic Choice Income 10 option 2 3.00
15,538 AIG Power 10 Protector Plus Income 7.19
14,450 Allianz 222 3.55

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)
179,085 162,000 F&G Prosperity Elite 14 130
173,400 129,526 Great American Valor 10, Inheritance Enhancer 95
215,000 * 150,500 Athene Benefit 10 140
160,000 AV NACOLAH Benefit Solutions 14 120
na 180,000 Phoenix Personal Protection Choice 115
155,575 116,681 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 112,213 * * Global Atlantic Choice Accumulation 7 0
* 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-    
3.15 Athene Max Rate 5 A- 4.80 Yr 1 * Simple interest  
3.80* Atlantic Coastal Life Safe Harbor Bonus B++  
3.50 Atlantic Coastal Life Safe Haven Bonus B++ 4.50 Yr 1  
3.05 Bankers Life SPDA Select B    
3.60 F&G Guarantee-Platinum 5 B++    
3.10 Guggenheim Preserve MYGA 5 B++    
3.35 Liberty Bankers Life Bankers Elite 5 B++    
3.30 North American Life Guarantee Choice 5 A+    
3.30 Oxford Multi-select 5 A-    
3.25 Royal Neighbors Choice 5 A-    
3.65 Sentinel Security Life Personal Choice 5 B++