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.
Safe Money Resource has relationships with top insurance companies so you can offer your clients a wide range of top-shelf solutions, from high income payouts and promising accumulation potential to high fixed-interest opportunities. Our dedicated annuity specialists are carefully monitoring the marketplace for new innovations, updates good and bad to current insurance contracts, additions of solid new annuity contract benefits, and even approvals on a state-by-state basis.
This is one of many ways that Safe Money Resource exercises its duty to first-tier advisor service. We’re proud and honored to have a 90+% retention rate among the agents as well as advisors that we serve each day.
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 7 |
AI Powered US Equity index 2 yr pt to pt |
95% par |
6.21 |
7.60 |
5.08 |
| AIG
|
Power 10 Protector |
PIMCO 2 year Pt to Pt |
44% par |
7.71 |
10.78 |
5.10 |
| Global Atlantic
|
Choice Accumulation 10 |
Franklin 2 year Pt to Pt |
3.50% spread |
9.13 |
9.139 |
7.18 |
| F&G
|
Accumulator Plus 10 |
Barclays Trailblazer Sectors 5 2 yr Pt to Pt |
140% par |
9.49 |
9.49 |
6.36 |
| LMG
|
ClassicMark 10 |
Morgan Stanley Target Equity Balance 2 yr pt to |
74% par |
4.64 |
6.48 |
4.64 |
| NACOLAH
|
Strategic Design Annuity X |
S&P MARC 5% 2 yr Pt to Pt |
120% par |
6.45 |
8.52 |
5.68 |
| Nassau
|
Growth Annuity 10 |
Smart passage SC Sunrise 2yr pt to pt |
150% 1% fee |
12.94 |
12.94 |
2.10 |
| Allianz
|
222 |
Pimco Tactical Balanced Index 2 yr pt to pt |
70% par |
4.04 |
4.2 |
2.09 |
| AEL
|
AssetShield 10 |
S&P 500 Dividend Aristocrats DRC 2 Yr |
135% par |
6.26 |
6.26 |
1.98 |
| ACL/Sentinel
|
RPM w/ Growth Benefit Rdr |
Goldman SACHS Motif 3 yr pt to pt |
200% par 1.25% Fee |
8.58 |
10.00 |
7.11 |
| Equitable
|
Teton 14 |
Barclays Atlas 5 1 yr pt to pt |
60% par |
10.53 |
12.01 |
9.27 |
Income Products – 60 Male AZ $100k Premium
(Guaranteed Level Annual Payout)
Immediate Income – @ Age 60
| Payout (in dollars) |
Carrier |
Product |
| 5,460 |
Nassau |
Personal Income Annuity |
| 4,860 |
Great American |
Premier Income Bonus |
| 4,250 |
Global Atlantic |
Choice Income 10 option 1 |
| 4,104 |
NACOLAH |
Benefit Solutions 10 |
| 4,104 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 3,975 |
Athene |
Ascent 10 Pro Bonus |
1 Year Deferral – @ Age 61
| Payout (in dollars) |
Carrier |
Product |
| 6,091 |
Nassau |
Personal Income Annuity |
| 5,985 |
NWL |
Ultra Future, IOP5 |
| 5,365 |
Great American |
Premier Income Bonus |
| 5,340 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,029 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 4,956 |
Equitrust |
MarketPower Bonus Index |
| 4,705 |
AEL |
IncomeShield 10 – 7,25 |
| 4,666 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 4,637 |
F&G |
Safe Income Plus |
| 4,260 |
Athene |
Ascent 10 Pro Bonus |
| 4,236 |
NACOLAH |
Benefit Solutions 10 |
5 Year Deferral – @ Age 65
| Payout (in dollars) |
Carrier |
Product |
| 8,109 |
Nassau |
Personal Income Annuity |
| 8,002 |
NWL |
Ultra Future, IOP5 |
| 7,776 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 7,560 |
Great American |
Premire Income Bonus |
| 7,293 |
Legacy Marketing |
Flexmark Select, MyFit w/ Booster |
| 7,125 |
Global Atlantic |
Choice Income 10 option 1 |
| 7,053 |
F&G |
Safe Income Plus |
| 6,992 |
Equitrust |
Market Power Bonus Index |
| 6,531 |
AEL |
IncomeShield 10 – 7,25 |
| 6,320 |
Athene |
Ascent 10 Pro Bonus |
| 6,034 |
NACOLAH |
Benefit Solutions 10 |
10 Year Deferral – @ Age 70
| Payout (in dollars) |
Carrier |
Product |
| 13,057 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 11,952 |
Nassau |
Personal Income Annuity |
| 11,213 |
Legacy Marketing |
FlexMark Select, MyFit w/ Booster |
| 11,156 |
F&G |
Safe Income Plus |
| 11,142 |
NWL |
Ultra Future, IOP5 |
| 10,692 |
Great American |
Premier Income Bonus |
| 10,500 |
Global Atlantic |
Choice Income 10 option 1 |
| 10,342 |
Equitrust |
Market Power Bonus Index |
| 9,428 |
AEL |
IncomeShield 10 – 6% |
| 9,345 |
Athene |
Ascent 10 Pro Bonus |
| 8,670 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 7,296 |
NACOLAH |
Benefit Solutions 10 |
Income Products – 65 Male AZ $100k Premium
(Guaranteed Level Annual Payout)
Immediate Income – @ Age 65
| Payout (in dollars) |
Carrier |
Product |
| 6,058 |
Nassau |
Personal Income Annuity |
| 5,400 |
Great American |
Premier Income Bonus |
| 5,335 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,292 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 4,932 |
NACOLAH |
Benefit Solutions 10 |
| 4,345 |
Athene |
Ascent 10 Pro Bonus |
1 Year Deferral – @ Age 66
| Payout (in dollars) |
Carrier |
Product |
| 6,669 |
Nassau |
Personal Income Annuity |
| 6,584 |
NWL |
Ultra Future, IOP5 |
| 6,007 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 5,949 |
Great American |
Premier Income Bonus |
| 5,940 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,671 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 5,553 |
F&G |
Safe Income Plus |
| 5,538 |
Equitrust |
Market Power Bonus Index |
| 5,244 |
AEL |
IncomShield 10 – 7,25 |
| 5,148 |
NACOLAH |
Benefit Solutions 10 |
| 4,860 |
Athene |
Ascent 10 Pro Bonus |
5 Year Deferral – @ Age 70
| Payout (in dollars) |
Carrier |
Product |
| 9,027 |
Nassau |
Personal Income Annuity |
| 8,887 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 8,730 |
NWL |
Ultra Future, IOP5 |
| 8,560 |
Global Atlantic |
Choice Income 10 option 1 |
| 8,316 |
Great American |
Premier Income Bonus |
| 7,995 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 7,954 |
F&G |
Safe Income Plus |
| 7,905 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 7,728 |
Equitrust |
Market Power Bonus Index |
| 7,173 |
AEL |
IncomeShield – 7,25 |
| 7,120 |
Athene |
Ascent 10 Pro Bonus |
| 6,762 |
NACOLAH |
Benefit Solutions 10 |
10 Year Deferral – @ Age 75
| Payout (in dollars) |
Carrier |
Product |
| 13,990 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 13,080 |
Nassau |
Personal Income Annuity |
| 12,840 |
F&G |
Safe Income Plus |
| 12,196 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 12,070 |
NWL |
Ultra Future, IOP5 |
| 11,664 |
Great American |
Premier Income Bonus |
| 11,500 |
Global Atlantic |
Choice Income 10 option 1 |
| 11,327 |
Equitrust |
Market Power Bonus Index |
| 10,395 |
Athene |
Ascent 10 Pro Bonus |
| 10,194 |
AEL |
IncomeShield 10 – 6% |
| 9,240 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 8,160 |
NACOLAH |
Benefit Solutions 10 |
Income Products – 70 Male AZ $100k Premium
(Guaranteed Level Annual Payout)
Immediate Income – @ Age 70
| Payout (in dollars) |
Carrier |
Product |
| Payout (in dollars) |
Carrier |
Product |
| 6,604 |
Nassau |
Personal Income Annuity |
| 6,048 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 5,940 |
Great American |
Premier Income Bonus |
| 5,885 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,388 |
NACOLAH |
Benefit Solutions 10 |
| 4,895 |
Athene |
Ascent 10 Pro Bonus |
1 Year Deferral – @ Age 71
| Payout (in dollars) |
Carrier |
Product |
| 7,301 |
Nassau |
Personal Income Annuity |
| 7,182 |
NWL |
Ultra Future, IOP5 |
| 6,590 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 6,540 |
Global Atlantic |
Choice Income 10 option 1 |
| 6,532 |
Great American |
Premier Income Bonus |
| 6,297 |
F&G |
Safe Income Plus |
| 6,206 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 6,112 |
Equitrust |
Market Power Bonus Index |
| 5,737 |
AEL |
IncomeShield – 7,25 |
| 5,676 |
NACOLAH |
Benefit Soutions 10 |
| 5,460 |
Athene |
Ascent 10 Pro Bonus |
5 Year Deferral – @ Age 75
| Payout (in dollars) |
Carrier |
Product |
| 9,877 |
Nassau |
Personal Income Annuity |
| 9,521 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 9,457 |
NWL |
Ultra Future, IOP5 |
| 9,360 |
Global Atlantic |
Choice Income 10 option 1 |
| 9,154 |
F&G |
Safe Income Plus |
| 9,072 |
Great American |
Premier Income Bonus |
| 8,848 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 8,696 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 8,464 |
Equitrust |
Market Power Bonus Index |
| 7,920 |
Athene |
Ascent 10 Pro Bonus |
| 7,756 |
AEL |
IncomeShield – 7,25 |
| 7,476 |
NACOLAH |
Benefit Solutions 10 |
10 Year Deferral – @ Age 80
| Payout (in dollars) |
Carrier |
Product |
| 14,573 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 14,040 |
Nassau |
Personal Income Annuity |
| 13,892 |
F&G |
Safe Income Plus |
| 12,999 |
NWL |
Ultra Future, IOP5 |
| 12,636 |
Great American |
Premier Income Bonus |
| 12,500 |
Global Atlantic |
Choice Income 10 option 1 |
| 12,312 |
Equitrust |
Market Power Bonus Index |
| 12,295 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 11,445 |
Athene |
Ascent 10 Pro Bonus |
| 10,865 |
AEL |
IncomeShield 10 – 6% |
| 10,248 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 9,040 |
NACOLAH |
Benefit Solutions 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 |
| 9,883 |
Global Atlantic |
Choice Income 10 option 2 |
9.13 |
| 7,690 |
F&G |
Performance Pro |
6.88 |
| 7,155 |
AIG |
Power 10 Protector Plus Income |
7.71 |
10 year deferral – @ Age 70
| Payout (in dollars) |
Carrier |
Product |
Illustrated Yield |
| 17,360 |
Global Atlantic |
Choice Income 10 option 2 |
9.13 |
| 13,431 |
F&G |
Performance Pro |
6.88 |
| 13,021 |
NACOLAH |
Strategic Design Annuity X |
6.45 |
| 12,593 |
Athene |
Agility 10 |
4.96 |
| 12,389 |
Allianz |
222 |
4.27 |
| 12,048 |
ACL/Sentinel |
Retirement Plus Multiplier |
4.54 |
| 10,600 |
AIG |
Power 10 Protector Plus Income |
7.71 |
15 year deferral – @ Age 75
| Payout (in dollars) |
Carrier |
Product |
Illustrated Yield |
| 30,857 |
Global Atlantic |
Choice Income 10 option 2 |
9.13 |
| 23,287 |
F&G |
Performance Pro |
6.88 |
| 20,510 |
NACOLAH |
Strategic Design Annuity X |
6.45 |
| 18,509 |
ACL/Sentinel |
Retirement Plus Multiplier |
4,54 |
| 17,379 |
Athene |
Agility 10 |
4.96 |
| 16,992 |
Allianz |
222 |
4.27 |
| 12,500 |
AIG |
Power 10 Protector Plus Income |
7.71 |
5 Year MYGA – 65 Male AZ 100K
| Base Rate |
Carrier |
Product |
Carrier Rating |
Notes |
| 1.80 |
American Equity |
Guarantee 5 MVA |
A- |
|
| 2.35 |
Athene |
Max Rate 5 |
A |
100k plus |
| 3.65* |
Atlantic Coastal Life |
Safe Harbor Bonus |
B++ |
4,65 Yr 1 * Simple interest |
| 3.40 |
Atlantic Coastal Life |
Safe Haven Bonus |
B++ |
4,40 Yr 1 |
| 3.80 |
Equitable Life |
Secure Savings Elite |
B+ |
|
| 2.95 |
F&G |
Guarantee-Platinum 5 |
A- |
|
| 2.35 |
Global Atlantic |
SecureForce 5 |
A |
|
| 2.75 |
Guggenheim |
Preserve MYGA 5 |
B++ |
|
| 3.05 |
Liberty Bankers Life |
Bankers Elite 5 |
B++ |
|
| 3.35 |
Nassau |
MyAnnuity 5x |
B+ |
3,15 with 10% Free w/d’s |
| 2.30 |
North American Life |
Guarantee Choice 5 |
A+ |
100k plus |
| 2.50 |
Oxford |
Multi-select 5 |
A- |
|
| 3.10 |
Royal Neighbors |
Choice 5 |
A- |
|
| 3.00 |
Sagicor |
Milestone MYGA 5 |
A- |
100k plus |
| 3.60 |
Sentinel Security Life |
Personal Choice 5 |
B++ |
|
| 2.60 |
The Standard |
Focused Growth Myga 5 |
A |
100k plus |
