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.
Presentation Parameters
| Client’s Current Age | 60 Years |
| First Withdrawal Age | 60 Years Defer for 0 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B+ Nassau Re (Founded in 1851) Income Strategy: Today Annuity: Personal Income Annuity (Group A) |
0.95% annually (1.5% max)$ |
$4,940 |
| A Global Atlantic (Founded in 2004) Income 150+ GLWB with Enhancement Benefit Annuity: Incom e 150+ SE |
1.05% annually | $4,500 |
| B++ Atlantic Coast Life (Founded in 1925) Income Navigator GLWB Annuity: Incom e Navigator w/ GLWB |
1.05% annually | $4,305 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 1 – 4.00% Rollup Annuity: Incom eShield 10 with LIBR |
None | $4,294 |
| A AIG (Founded in 1960) Lif etime Income Plus Flex Annuity: Power Select Plus Incom e – Lifetim e Incom e Plus Flex |
1.1% annually | $4,050 |
| A Athene (Founded in 1909) Ascent Pro 10 Bonus Income Rider – Option 1 with Level Income Annuity: Ascent Pro 10 Bonus (Most States) |
1% annually | $3,795 |
Presentation Parameters
| Client’s Current Age | 61 Years |
| First Withdrawal Age | 60 Years Defer for 1 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B+ Nassau Re (Founded in 1851) Income Strategy: Today Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$5,514 |
| B++ Sentinel (Founded in 1948) Sentinel Summit Bonus GLWB Annuity: Sum m it Bonus Index GLWB |
1.05% annually | $5,381 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 2 – 7.25% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $5,176 |
| A+ Prudential (Founded in 1875) SurePath Income Rider Annuity: SurePath Income |
1% annually (2.5% max) |
$5,056 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$5,029 |
| A American National (Founded in 1905) Lif etime Income Rider with Fixed Rate Annuity: Strategy Indexed Annuity (ASIA) PLUS 10 |
1% annually (limited to interest) |
$4,931 |
Presentation Parameters
| Client’s Current Age | 60 Years |
| First Withdrawal Age | 65 Years Defer for 5 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B++ Sentinel (Founded in 1948) Sentinel Summit Bonus GLWB Annuity: Sum m it Bonus Index GLWB |
1.05% annually | $7,371 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$7,293 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 2 – 7.25% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $7,187 |
| B+ Nassau Re (Founded in 1851) Income Strategy: Tomorrow Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$7,174 |
| A American National (Founded in 1905) Lif etime Income Rider with Fixed Rate Annuity: Strategy Indexed Annuity (ASIA) PLUS 10 |
1% annually (limited to interest) |
$7,079 |
| B++ Atlantic Coast Life (Founded in 1925) Atlantic Coast GLWB Annuity: Guaranteed Incom e Annuity 10 GLWB |
1.25% annually (1.6% after 6 years) |
$6,982 |
Presentation Parameters
| Client’s Current Age | 60 Years |
| First Withdrawal Age | 70 Years Defer for 10 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$11,213 |
| A American National (Founded in 1905) Lif etime Income Rider with Fixed Rate Annuity: Strategy Indexed Annuity (ASIA) PLUS 10 |
1% annually (limited to interest) |
$11,023 |
| A NWL (Founded in 1956) Income Outlook Plus 5 NH (Withdrawal Bene{t Rider) 12% Annuity: NWL IMPACT 10 |
1.5% annually (2% max) |
$10,946 |
| B+ Nassau Re (Founded in 1851) Income Strategy: Tomorrow Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$10,560 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 3 – 6.00% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $10,386 |
| A- F&G (Founded in 1959) Saf e Income Plus 10: EGMWB Annuity: Safe Incom e Plus Standard states |
1.15% annually (1.5% max) |
$10,156 |
Presentation Parameters
| Client’s Current Age | 65 Years |
| First Withdrawal Age | 65 Years Defer for 0 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B+ Nassau Re (Founded in 1851) Income Strategy: Today Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$5,473 |
| A Global Atlantic (Founded in 2004) Income 150+ Guaranteed Lif etime Income Benefit Plus Annuity: Incom e 150+ SE |
1.05% annually | $5,100 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 1 – 4.00% Rollup Annuity: Incom eShield 10 with LIBR |
None | $4,809 |
| A AIG (Founded in 1960) Lif etime Income Plus Flex Annuity: Power Select Plus Incom e – Lifetim e Incom e Plus Flex |
1.1% annually | $4,800 |
| B++ Atlantic Coast Life (Founded in 1925) Atlantic Coast GLWB Annuity: Guaranteed Incom e Annuity 10 GLWB |
1.25% annually (1.6% after 6 years) |
$4,752 |
| A Athene (Founded in 1909) Ascent Pro 10 Bonus Income Rider – Option 1 with Level Income Annuity: Ascent Pro 10 Bonus (Most States) |
1% annually | $4,345 |
Presentation Parameters
| Client’s Current Age | 65 Years |
| First Withdrawal Age | 66 Years Defer for 1 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B+ Nassau Re (Founded in 1851) Income Strategy: Today Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$6,036 |
| B++ Sentinel (Founded in 1948) Sentinel Summit Bonus GLWB Annuity: Sum m it Bonus Index GLWB |
1.05% annually | $5,953 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 2 – 7.25% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $5,772 |
| A+ Prudential (Founded in 1875) SurePath Income Rider Annuity: SurePath Income |
1% annually (2.5% max) |
$5,674 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$5,671 |
| A Global Atlantic (Founded in 2004) Income 150+ Guaranteed Lif etime Income Bene{t Plus Annuity: Incom e 150+ SE |
1.05% annually | $5,546 |
Presentation Parameters
| Client’s Current Age | 65 Years |
| First Withdrawal Age | 70 Years Defer for 5 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B++ Sentinel (Founded in 1948) Sentinel Summit Bonus GLWB Annuity: Sum m it Bonus Index GLWB |
1.05% annually | $8,094 |
| A- Oxford Life (Founded in 1965) Royal Select Guaranteed Lif etime Withdrawal Benefit Annuity: Royal Select |
0.95% annually | $8,010 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$7,995 |
| B+ Nassau Re (Founded in 1851) Income Strategy: Tomorrow Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$7,990 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 2 – 7.25% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $7,902 |
| A American National (Founded in 1905) Lif etime Income Rider with Fixed Rate Annuity: Strategy Indexed Annuity (ASIA) PLUS 10 |
1% annually (limited to interest) |
$7,786 |
Presentation Parameters
| Client’s Current Age | 65 Years |
| First Withdrawal Age | 75 Years Defer for 10 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$12,196 |
| A American National (Founded in 1905) Lif etime Income Rider with Fixed Rate Annuity: Strategy Indexed Annuity (ASIA) PLUS 10 |
1% annually (limited to interest) |
$12,025 |
| A NWL (Founded in 1956) Income Outlook Plus 5 NH (Withdrawal Bene{t Rider) 12% Annuity: NWL IMPACT 10 |
1.5% annually (2% max) |
$11,858 |
| B+ Nassau Re (Founded in 1851) Income Strategy: Tomorrow Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$11,760 |
| A- F&G (Founded in 1959) Saf e Income Plus 10: EGMWB Annuity: Safe Incom e Plus Standard states |
1.15% annually (1.5% max) |
$11,689 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 3 – 6.00% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $11,229 |
Presentation Parameters
| Client’s Current Age | 70 Years |
| First Withdrawal Age | 70 Years Defer for 0 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B+ Nassau Re (Founded in 1851) Income Strategy: Today Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$5,967 |
| A Global Atlantic (Founded in 2004) Income 150+ Guaranteed Lif etime Income Benefit Plus Annuity: Incom e 150+ SE |
1.05% annually | $5,700 |
| A AIG (Founded in 1960) Lif etime Income Plus Flex Annuity: Power Select Plus Incom e – Lifetim e Incom e Plus Flex |
1.1% annually | $5,550 |
| B++ GILICO (Founded in 1926) Growth Plus Annuity: Guaranty Growth Plus (Generic States) |
None | $5,300 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 1 – 4.00% Rollup Annuity: Incom eShield 10 with LIBR |
None | $5,281 |
| A Athene (Founded in 1909) Ascent Pro 10 Bonus Income Rider – Option 1 with Level Income Annuity: Ascent Pro 10 Bonus (Most States) |
1% annually | $4,895 |
Presentation Parameters
| Client’s Current Age | 70 Years |
| First Withdrawal Age | 71 Years Defer for 1 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B+ Nassau Re (Founded in 1851) Income Strategy: Today Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$6,614 |
| B++ Atlantic Coast Life (Founded in 1925) Income Navigator GLWB Annuity: Incom e Navigator w/ GLWB |
1.05% annually | $6,598 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 2 – 7.25% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $6,312 |
| A- F&G (Founded in 1959) Saf e Income Plus 10: EGMWB Annuity: Safe Incom e Plus Standard states |
1.15% annually (1.5% max) |
$6,238 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$6,206 |
| A Global Atlantic (Founded in 2004) Income 150+ Guaranteed Lif etime Income Benefit Plus Annuity: Incom e 150+ SE |
1.05% annually | $6,184 |
Presentation Parameters
| Client’s Current Age | 70 Years |
| First Withdrawal Age | 75 Years Defer for 5 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| B++ Atlantic Coast Life (Founded in 1925) Income Navigator GLWB Annuity: Incom e Navigator w/ GLWB |
1.05% annually | $9,063 |
| B+ Nassau Re (Founded in 1851) Income Strategy: Tomorrow Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$8,874 |
| A- F&G (Founded in 1959) Saf e Income Plus 10: EGMWB Annuity: Safe Incom e Plus Standard states |
1.15% annually (1.5% max) |
$8,735 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$8,696 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 2 – 7.25% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $8,543 |
| A AIG (Founded in 1960) Lif etime Income Plus Flex Annuity: Power Select Plus Incom e – Lifetim e Incom e Plus Flex |
1.1% annually | $8,505 |
Presentation Parameters
| Client’s Current Age | 70 Years |
| First Withdrawal Age | 80 Years Defer for 10 Years |
| Strategy | Guaranteed Rider with set guaranteed bonus, roll-up, payouts |
| Initial Premium | $100,000 |
| Annuitant Gender | Male |
| State | AZ |
Quick Overview
| INCOME RIDER | FEE | ANNUAL G T D INCOME |
|---|---|---|
| A American National (Founded in 1905) Lif etime Income Rider with Fixed Rate Annuity: Strategy Indexed Annuity (ASIA) PLUS 10 |
1% annually (limited to interest) |
$13,028 |
| A NWL (Founded in 1956) Income Outlook Plus 5 NH (Withdrawal Bene{t Rider) 12% Annuity: NWL IMPACT 10 |
1.5% annually (2% max) |
$12,771 |
| A- F&G (Founded in 1959) Saf e Income Plus 10: EGMWB Annuity: Safe Incom e Plus Standard states |
1.15% annually (1.5% max) |
$12,647 |
| B+ Nassau Re (Founded in 1851) Income Strategy: Tomorrow Annuity: Personal Incom e Annuity (Group A) |
0.95% annually (1.5% max) |
$12,624 |
| A Ameritas (Founded in 1887) Flexmark MyFit Income Rider Annuities: FlexMark Select, FlexMark Select Plus |
0.95% annually (2% max) |
$12,295 |
| A- American Equity (Founded in 1980) IncomeShield LIBR Option 3 – 6.00% Rollup Annuity: Incom eShield 10 with LIBR |
1.1% annually | $11,957 |
Top Accumulation Products
ALLOCATION OPTION
| Barclays atlas 5 Annual P2P PR 10 Surrender Yrs Reset: Annual Barclays Atlas 5 |
||||
| Denali 10 | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| (Most States) | 9.45% | 8.22% | — | |
| B+ Equitable Life | 10.79%8.22% | |||
| 2-Year Barclays Focus 50 Part 10 Surrender Yrs Reset : Biennial Barclays Focus50 |
||||
| 10 YEARS | 15 YEARS | 20 YEARS | 
| |
|---|---|---|---|---|
| MarketValue Index | 8.85% | 5.75% | — | |
| B++ EquiTrust | 9.4%6.48% | |||
| 2-Year Barclays Trailblazer Sectors 5 Index 10 Surrender Yrs Reset: Biennial Barclays Trailblazer Sectors 5 |
||||
| FG Accumulator | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| Plus 10 | 8.19% | 4.59% | — | |
| A- F&G | 8.29%5.17% | |||
| 2-Year Credit Suisse Point-to-Point w/ Participation Rate 10 Surrender Yrs Bonus: 5% Reset: Biennial Credit Suisse Momentum |
||||
| Accumulation | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| Protector Plus | 7.65% | 6.53% | — | |
| B++ Atlantic Coast Life | 9.22%6.28% | |||
| 2-Year Sunrise Smart Passage SG – Participation 10 Surrender Yrs Reset: Biennial Smart Passage SG |
||||
| Growth Annuity 10 | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| (Group A) | 6.99% | 6.34% | 4.24% | |
| B+ Nassau Re | 9.49%1.36% | |||
| 2-Year Franklin US Index Point-to-Point with Spread 10 Surrender Yrs Reset : Biennial Franklin US |
||||
| Choice | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| Accumulation II 10 | 6.46% | 4.1% | — | |
| A Global Atlantic | 7.33%4.36% | |||
| 2-Year ML Strategic Balanced PTP Spread 10 Surrender Yrs Reset: Biennial ML Strategic Balanced |
||||
| Power Select | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| Builder | 6.36% | 4.72% | 6.03% | |
| A AIG | 7.63%4.77% | |||
| S&P 500 Dividend Aristocrats Daily Risk Control 5% ER lndex 10 Surrender Yrs Reset: Biennial S&P 500 Dividend Aristocrats DRC 5% USD (ER) |
||||
| 10 YEARS | 15 YEARS | 20 YEARS | 
| |
|---|---|---|---|---|
| Asset Shield 10 | 5.82% | — | — | |
| A- American Equity | ||||
| 2-Year BNP Paribas Multi-Asset No Cap Point-to-Point 10 Surrender Yrs Bonus : 4% Reset : Biennial BNP Paribas Multi-Asset Diversified 5 |
||||
| Athene Performance | 10 YEARS | 15 YEARS | 20 YEARS | 
|
|---|---|---|---|---|
| Elite 10 (Most states) | 5.65% | 4.16% | — | |
| A Athene | 6.22%4.45% | |||