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 2.25 spread 9.73 10.78 5.10
Global Atlantic Choice Accumulation 7 Franklin 2 year Pt to Pt 0% spread 8.62 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 100% 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
NACOLAH Prime Path 12 S&P MARC  5% ER 1 yr Pt to Pt 0.80% spread 5.25 6.36 3.58
Pacific Life Index Dimensions 10 MCSI EAFE 2 yr Pt to Pt 85% par with 4% spread -0.94 6.61 -2.06
Phoenix Personal Protection Choice CS Tactical Multi Asset 2 yr Pt to Pt 2.0 spread 2.99 7.84 4.30
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
5,304 Phoenix Personal Income Annuity
4,785 Global Atlantic Choice Income 10 option 1
4,730 Sentinel Guaranteed Income Annuity
4,725 Pacific Life Index Dimensions 10
4,715 Athene Ascent 10 Bonus 2.0
4,704 NACOLAH Benefit Solutions 14
4,860 Great American Premier Income Bonus
4,400 NACOLAH Prime Path 12

1 Year Deferral – @ age 61

Payout (in dollars) Carrier Product
5,913 Phoenix Personal Income Annuity
5,871 NWL Ultra Future, IOP5
5,365 Great American Premier Income Bonus
5,314 Global Atlantic Choice Income 10 option 1
5,278 AEL IncomeShield 10 – 7.25
5,250 Athene Ascent 10 Bonus 2.0
4,950 Pacific Life Index Dimensions 10
4,936 Sentinel Guaranteed Income Annuity
4,876 Legacy Marketing FlexMark Select, MyFit w/Booster
4,836 NACOLAH Benefit Solutions 14
4,760 F&G Safe Income Plus
4,635 NACOLAH Prime Path 12

5 Year Deferral – @ age 65

Payout (in dollars) Carrier Product
8,262 Phoenix Personal Income Annuity
8,062 F&G Safe Income Plus
7,760 Global Atlantic Choice Income 10 option 1
7,590 Athene Ascent Bonus 2.0
7,560 Great American Premire Income Bonus
7,289 AEL IncomeShield 10 – 7.25
7,269 NWL Ultra Future, IOP5
7,150 Equitrust Market 12 Bonus Index
6,825 Legacy Marketing FlexMark Select, MyFit w/Booster
6,734 NACOLAH Benefit Solutions 14
6,500 Pacific Life Index Dimensions 10
5,829 Sentinel Guaranteed Income Annuity
5,680 NACOLAH Prime Path 12

10 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
11,492 F&G Safe Income Plus
11,376 Phoenix Personal Income Annuity
10,965 Athene Ascent 10 Bonus 2.0
10,692 Great American Premier Income Bonus
10,576 Equitrust Market 12 Bonus Index
10,500 Global Atlantic Choice Income 10 option 1
10,244 AEL Bonus Gold
10,029 Legacy Marketing FlexMark Select, MyFit w/ Booster
9,192 NWL Ultra Future, IOP5
8,250 Pacific Life Index Dimensions 10
8,096 NACOLAH Benefit Solutions 14
7,257 NACOLAH Prime Path 12
7,106 Sentinel Guaranteed Income Annuity

Income Products – 65 Male AZ $100k Premium

Guaranteed Level Annual Payout)

Immediate Income – @ age 65

Payout (in dollars) Carrier Product
5,876 Phoenix Personal Income Annuity
5,532 NACOLAH Benefit Solutions 14
5,400 Great American Premier Income Bonus
5,335 Global Atlantic Choice Income 10 option 1
5,290 Athene Ascent 10 Bonus 2.0
5,280 Sentinel Guaranteed Income Annuity
5,250 Pacific Life Index Dimensions 10
4,900 NACOLAH Prime Path 12

1 Year Deferral – @ age 66

Payout (in dollars) Carrier Product
6,476 Phoenix Personal Income Annuity
6,458 NWL Ultra Future, IOP5
6,095 F&G Safe Income Plus
5,949 Great American Premier Income Bonus
5,940 Global Atlantic Choice Income 10 option 1
5,875 Athene Ascent 10 Bonus 2.0
5,853 AEL IncomShield 10 – 7.25
5,748 NACOLAH Benefit Solutions 14
5,512 Legacy Marketing FlexMark Select, MyFit w/Booster
5,500 Pacific Life Index Dimensions 10
5,497 Sentinel Guaranteed Income Annuity
5,150 NACOLAH Prime Path 12

5 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
8,729 F&G Safe Income Plus
8,602 Phoenix Personal Income Annuity
8,560 Global Atlantic Choice Income 10 option 1
8,415 Athene Ascent Bonus 2.0
8,316 Great American Premier Income Bonus
8,018 AEL IncomeShield – 7.25
7,929 NWL Ultra Future, IOP5
7,903 Equitrust Market 12 Bonus Index
7,494 Legacy Marketing FlexMark Select, MyFit w/Booster
7,462 NACOLAH Benefit Solutions 14
7,150 Pacific Life Index Dimensions 10
6,567 NACOLAH Prime Path 12
6,436 Sentinel Guaranteed Income Annuity

10 Year Deferral – @ age 75

Payout (in dollars) Carrier Product
12,456 Phoenix Personal Income Annuity
12,040 Athene Ascent 10 Bonus 2.0
12,010 F&G Safe Income Plus
11,664 Great American Premier Income Bonus
11,583 Equitrust Market 12 Bonus Index
11,500 Global Atlantic Choice Income 10 option 1
11,229 AEL Bonus Gold
10,924 Legacy Marketing FlexMark Select, MyFit w/Booster
9,958 NWL Ultra Future, IOP5
8,960 NACOLAH Benefit Solutions 14
8,250 Pacific Life Index Dimensions 10
7,929 NACOLAH Prime Path 12
7,777 Sentinel Guaranteed Income Annuity

Income Products – 70 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 70

Payout (in dollars) Carrier Product
6,409 Phoenix Personal Income Annuity
5,988 NACOLAH Benefit Solutions 14
5,940 Great American Premier Income Bonus
5,885 Global Atlantic Choice Income 10 option 1
5,865 Athene Ascent 10 Bonus 2.0
5,830 Sentinel Guaranteed Income Annuity
5,775 Pacific Life Index Dimensions 10
5,400 NACOLAH Prime Path 12

1 Year Deferral – @ age 71

Payout (in dollars) Carrier Product
7,095 Phoenix Personal Income Annuity
7,045 NWL Ultra Future, IOP5
6,560 F&G Safe Income Plus
6,540 Global Atlantic Choice Income 10 option 1
6,532 Great American Premier Income Bonus
6,500 Athene Ascent 10 Bonus 2.0
6,426 AEL IncomeShield – 7.25
6,276 NACOLAH Benefit Soutions 14
6,058 Sentinel Guaranteed Income Annuity
6,050 Pacific Life Index Dimensions 10
6,042 Legacy Marketing FlexMark Select, MyFit w/Booster
5,665 NACOLAH Prime Path 12

5 Year Deferral – @ age 75

Payout (in dollars) Carrier Product
9,970 F&G Safe Income Plus
9,401 Phoenix Personal Income Annuity
9,360 Global Atlantic Choice Income 10 option 1
9,240 Athene Ascent Bonus 2.0
9,072 Great American Premier Income Bonus
8,747 AEL IncomeShield – 7.25
8,656 Equitrust Market 12 Bonus Index
8,590 NWL Ultra Future, IOP5
8,176 NACOLAH Benefit Solutions 14
8,163 Legacy Marketing FlexMark Select, MyFit w/Booster
7,164 NACOLAH Prime Path 12
7,150 Pacific Life Index Dimensions 10
7,044 Sentinel Guaranteed Income Annuity

10 Year Deferral – @ age 80

Payout (in dollars) Carrier Product
14,225 F&G Safe Income Plus
13,368 Phoenix Personal Income Annuity
13,115 Athene Ascent 10 Bonus 2.0
12,636 Great American Premier Income Bonus
12,591 Equitrust Market 12 Bonus Index
12,500 Global Atlantic Choice Income 10 option 1
12,214 AEL Bonus Gold
11,193 Legacy Marketing FlexMark Select, MyFit w/Booster
10,724 NWL Ultra Future, IOP5
9,840 NACOLAH Benefit Solutions 14
9,750 Pacific Life Index Dimensions 10
8,601 NACOLAH Prime Path 12
8,447 Sentinel Guaranteed Income Annuity

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
10,609 Global Atlantic Choice Income 10 option 2 8.6
9,592 AIG Power 10 Protector Plus Income 7.15
7,698 NACOLAH Prime Path 12 5.25
7,583 Athene Ascent 10 Bonus 2.0 5.45
7,420 F&G Performance Pro 6.14

10 year deferral – @ age 70

Payout (in dollars) Carrier Product Illustrated Yield
17,143 Athene Agility 10 7.53
16,554 Global Atlantic Choice Income 10 option 2 8.62
14,122 F&G Performance Pro 6.14
13,917 NACOLAH Prime Path 12 5.25
13,869 Athene Ascent 10 Bonus 2.0 5.45
12,939 AIG Power 10 Protector Plus Income 7.93
11,970 Allianz 222 3.55

15 year deferral – @ age 75

Payout (in dollars) Carrier Product Illustrated Yield
26,701 Global Atlantic Choice Income 10 option 2 8.62
26,014 Athene Agility 10 7.53
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
16,019 AIG Power 10 Protector Plus Income 7.93
15,654 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 205,000 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-
3.15 Athene Max Rate 5 A-
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
3.80 Bankers Life SPDA Select B
3.80 Colorado Banker Life CBLA 5 B++
3.80 F&G Guarantee-Platinum 5 B++
3.25 Global Atlantic SecureForce 5 A
3.25 Guggenheim Preserve MYGA 5 B++
3.70 Liberty Bankers Life Bankers Elite 5 B++
3.30 North American Life Guarantee Choice 5 A+
3.35 Oxford Multi-select 5 A-
4.05 Phoenix MyAnnuity 5x B 3.85 with 10% Free w/d’s
3.50 Royal Neighbors Choice 5 A-
4.00 Sentinel Security Life Personal Choice 5 B++