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 75% par 8.38 9.62 6.69
AIG Power 10 Protector PIMCO Annual Pt to Pt 44% par 7.71 10.78 5.10
Global Atlantic Choice Accumulation 7 Franklin 2 year Pt to Pt 3.00% spread 8.42 8.62 7.18
F&G Accumulator Plus 10 Barclays Trailblazer Sectors 5 2 yr Pt to Pt 140% par 7.48 8.44 6.36
LMG ClassicMark 10 Morgan Stanley Target Equity Balance 2 yr pt t 74% par 4.64 6.48 4.64
NACOLAH Benefit Solutions 14 S&P 500 DRC 5% 1 yr Pt to Pt 2.90 spread 3.50 3.76 2.48
Nassau Growth Annuity 10 Smart Passage SC Sunrise 2 yr pt to pt 150% par with 1% fee 12.94 12.94 2.10
Allianz 222 Pimco Tactical Balanced Index 2 yr pt to pt 80% par 4.03 4.77 2.37
AEL AssetShield 10 S&P 500 Dividend Aristocrats DRC 2 Yr 135% par 6.05 6.05 2.55
ACL/Sentinel RPM w/ Growth Benefit Rdr Goldman SACHS Motif 3 yr pt to pt 200% par 1.25% Fee 8.74 10.00 7.11
Equitable Teton 14 S&P Annual Pt to Pt with Par Rate 55% par 6.45 7.52 3.61

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
4,464 NACOLAH Benefit Solutions 14
4,250 Global Atlantic Choice Income 10 option 1
4,104 ACL/Sentinel Guaranteed Income Annuity
3,795 Athene Ascent Pro 10 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
5,029 Legacy Marketing FlexMark Select, MyFit w/Booster
4,956 Equitrust MarketPower Bonus Index
4,785 Global Atlantic Choice Income 10 option 1
4,705 AEL IncomeShield 10 – 7.25
4,666 ACL/Sentinel Guaranteed Income Annuity
4,637 F&G Safe Income Plus
4,596 NACOLAH Benefit Solutions 14
4,260 Athene Ascent Pro 10 Bonus

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
7,128 F&G Safe Income Plus
7,125 Global Atlantic Choice Income 10 option 1
6,992 Equitrust Market Power Bonus Index
6,454 NACOLAH Benefit Solutions 14
6,351 AEL IncomeShield 10 – 7.25
6,320 Athene Ascent Pro 10 Bonus

10 Year Deferral – @ age 70

Payout (in dollars) Carrier Product
13,057 ACL/Sentinel Guaranteed Income Annuity
11,952 Nassau Personal Income Annuity
11,577 F&G Safe Income Plus
8,670 ACL/Sentinel Retirement Plus Multiplier
11,213 Legacy Marketing FlexMark Select, MyFit w/ Booster
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 Pro 10 Bonus
7,776 NACOLAH Benefit Solutions 14

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
5,292 ACL/Sentinel Guaranteed Income Annuity
5,292 NACOLAH Benefit Solutions 14
4,750 Global Atlantic Choice Income 10 option 1
4,345 Athene Ascent Pro 10 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
5,671 Legacy Marketing FlexMark Select, MyFit w/Booster
5,610 F&G Safe Income Plus
5,538 Equitrust Market Power Bonus Index
5,508 NACOLAH Benefit Solutions 14
5,335 Global Atlantic Choice Income 10 option 1
5,244 AEL IncomShield 10 – 7.25
4,860 Athene Ascent Pro 10 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
8,316 Great American Premier Income Bonus
8,254 F&G Safe Income Plus
7,995 Legacy Marketing FlexMark Select, MyFit w/Booster
7,875 Global Atlantic Choice Income 10 option 1
7,728 Equitrust Market Power Bonus Index
7,182 NACOLAH Benefit Solutions 14
7,173 AEL IncomeShield – 7.25
7,120 Athene Ascent Pro 10 Bonus

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 Pro 10 Bonus
10,194 AEL IncomeShield 10 – 6%
9,240 ACL/Sentinel Retirement Plus Multiplier
8,640 NACOLAH Benefit Solutions 14

Income Products – 70 Male AZ $100k Premium

(Guaranteed Level Annual Payout)

Immediate Income – @ age 70

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
5,748 NACOLAH Benefit Solutions 14
5,250 Global Atlantic Choice Income 10 option 1
4,895 Athene Ascent Pro 10 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
6,532 Great American Premier Income Bonus
6,411 F&G Safe Income Plus
6,206 Legacy Marketing FlexMark Select, MyFit w/Booster
6,122 Equitrust Market Power Bonus Index
6,036 NACOLAH Benefit Soutions 14
5,885 Global Atlantic Choice Income 10 option 1
5,738 AEL IncomeShield – 7.25
5,460 Athene Ascent Pro 10 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
9,154 F&G Safe Income Plus
9,072 Great American Premier Income Bonus
8,696 Legacy Marketing FlexMark Select, MyFit w/Booster
8,625 Global Atlantic Choice Income 10 option 1
8,464 Equitrust Market Power Bonus Index
7,920 Athene Ascent Pro 10 Bonus
7,896 NACOLAH Benefit Solutions 14
7,756 AEL IncomeShield – 7.25

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 Pro 10 Bonus
10,865 AEL IncomeShield 10 – 6%
10,248 ACL/Sentinel Retirement Plus Multiplier
9,520 NACOLAH Benefit Solutions 14

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
9,975 Global Atlantic Choice Income 10 option 2 7.73
7,563 AIG Power 10 Protector Plus Income 2.21
7,339 F&G Performance Pro 5.44
6,649 NACOLAH Benefit Solutions 14 4.02
6,179 Athene Ascent 10 Bonus 2.0 5.17

10 year deferral – @ age 70

Payout (in dollars) Carrier Product Illustrated Yield
15,990 Global Atlantic Choice Income 10 option 2 7.73
15,555 Athene Agility 10 6.80
13,341 ACL/Sentinel Retirement Plus Multiplier 4.65
12,322 F&G Performance Pro 5.44
11,000 AIG Power 10 Protector Plus Income 2.4
10,264 Allianz 222 4.03
8,229 NACOLAH Benefit Solutions 14 4.02

15 year deferral – @ age 75

Payout (in dollars) Carrier Product Illustrated Yield
28,629 Global Atlantic Choice Income 10 option 2 7.73
23,069 Athene Agility 10 6.80
20,388 F&G Performance Pro 5.44
17,782 ACL/Sentinel Retirement Plus Multiplier 4.65
13,837 Allianz 222 4.03
13,000 AIG Power 10 Protector Plus Income 2.78
10,276 NACOLAH Benefit Solutions 14 4.02

5 Year MYGA – 65 Male AZ 100K

Base Rate Carrier Product Carrier Rating Notes
1.80 American Equity Guarantee 5 MVA A-
2.05 Athene Max Rate 5 A- 100k plus
3.80* Atlantic Coastal Life Safe Harbor Bonus B++ 4.80 Yr 1 *Simple Interest
3.50 Atlantic Coastal Life Safe Haven Bonus B++ 4.50 Yr 1
3.80 Equitable Life Secure Savings Elite B
2.95 F&G Guarantee-Platinum 5 A-
2.50 Global Atlantic SecureForce 5 A
2.75 Guggenheim Preserve MYGA 5 B++
3.15 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
2.60 Oxford Multi-select 5 A-
2.90 Royal Neighbors Choice 5 A-
3.70 Sentinel Security Life Personal Choice 5 B++
2.45 The Standard Focused Growth Myga 5 A 100k plus