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 |
50% par |
5.71 |
6.57 |
4.57 |
| AIG
|
Power 10 Protector |
PIMCO Annual Pt to Pt |
46% par |
4.21 |
5.49 |
3.04 |
| Global Atlantic
|
Choice Accumulation 7 |
Franklin 2 year Pt to Pt |
3.80% spread |
6.70 |
6.85 |
5.39 |
| 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 1 yr pt t |
78% par |
4.88 |
6.82 |
4.88 |
| NACOLAH
|
Benefit Solutions 14 |
S&P 500 DRC 5% 1 yr Pt to Pt |
2.25 spread |
4.02 |
4.28 |
2.99 |
| Pacific Life
|
Index Dimensions 10 |
MCSI EAFE 2 yr Pt to Pt |
72% par with 4% spread |
3.35 |
5.35 |
-2.06 |
| 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 |
85% par |
4.27 |
5.06 |
2.47 |
| AEL
|
AssetShield 10 |
S&P 500 Dividend Aristocrats DRC 2 Yr |
150% par |
6.68 |
6.68 |
2.81 |
| 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 |
| 4,785 |
Global Atlantic |
Choice Income 10 option 1 |
| 4,704 |
NACOLAH |
Benefit Solutions 14 |
| 4,500 |
Pacific Life |
Index Dimensions 10 |
| 4,104 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 3,795 |
Athene |
Ascent 10 Bonus 2.0 |
1 Year Deferral – @ age 61
| Payout (in dollars) |
Carrier |
Product |
| 6,091 |
Nassau |
Personal Income Annuity |
| 5,985 |
NWL |
Ultra Future, IOP5 |
| 5,738 |
AEL |
IncomeShield 10 – 7.25 |
| 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 |
| 4,968 |
ACL/Sentinel |
Income Navigator |
| 4,956 |
Equitrust |
MarketPower Bonus Index |
| 4,836 |
NACOLAH |
Benefit Solutions 14 |
| 4,725 |
Pacific Life |
Index Dimensions 10 |
| 4,666 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 4,637 |
F&G |
Safe Income Plus |
| 4,260 |
Athene |
Ascent 10 Bonus 2.0 |
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 |
| 7,760 |
Global Atlantic |
Choice Income 10 option 1 |
| 7,560 |
Great American |
Premire Income Bonus |
| 7,435 |
AEL |
IncomeShield 10 – 7.25 |
| 7,318 |
Pacific Life |
Index Dimensions 10 |
| 7,293 |
Legacy Marketing |
Flexmark Select, MyFit w/ Booster |
| 7,128 |
F&G |
Safe Income Plus |
| 7,078 |
ACL/Sentinel |
Income Navigator |
| 6,992 |
Equitrust |
Market Power Bonus Index |
| 6,734 |
NACOLAH |
Benefit Solutions 14 |
| 6,320 |
Athene |
Ascent Bonus 2.0 |
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 |
| 11,417 |
ACL/Sentinel |
Income Navigator |
| 11,226 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 11,213 |
Legacy Marketing |
FlexMark Select, MyFit w/ Booster |
| 11,142 |
NWL |
Ultra Future, IOP5 |
| 10,731 |
AEL |
IncomeShield 10 – 6% |
| 10,692 |
Great American |
Premier Income Bonus |
| 10,500 |
Global Atlantic |
Choice Income 10 option 1 |
| 10,342 |
Equitrust |
Market Power Bonus Index |
| 10,078 |
Pacific Life |
Index Dimensions 10 |
| 9,345 |
Athene |
Ascent 10 Bonus 2.0 |
| 8,096 |
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 |
| 5,532 |
NACOLAH |
Benefit Solutions 14 |
| 5,400 |
Great American |
Premier Income Bonus |
| 5,335 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,292 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 5,000 |
Pacific Life |
Index Dimensions 10 |
| 4,345 |
Athene |
Ascent 10 Bonus 2.0 |
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 |
| 5,967 |
AEL |
IncomShield 10 – 7.25 |
| 5,949 |
Great American |
Premier Income Bonus |
| 5,940 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,778 |
ACL/Sentinel |
Income Navigator |
| 5,748 |
NACOLAH |
Benefit Solutions 14 |
| 5,671 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 5,610 |
F&G |
Safe Income Plus |
| 5,538 |
Equitrust |
Market Power Bonus Index |
| 5,250 |
Pacific Life |
Index Dimensions 10 |
| 4,860 |
Athene |
Ascent 10 Bonus 2.0 |
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 |
| 8,254 |
F&G |
Safe Income Plus |
| 8,164 |
AEL |
IncomeShield – 7.25 |
| 8,140 |
ACL/Sentinel |
Income Navigator |
| 8,050 |
Pacific Life |
Index Dimensions 10 |
| 7,995 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 7,905 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 7,728 |
Equitrust |
Market Power Bonus Index |
| 7,462 |
NACOLAH |
Benefit Solutions 14 |
| 7,120 |
Athene |
Ascent Bonus 2.0 |
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 |
| 12,409 |
ACL/Sentinel |
Income Navigator |
| 12,196 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 12,070 |
NWL |
Ultra Future, IOP5 |
| 11,664 |
Great American |
Premier Income Bonus |
| 11,593 |
AEL |
IncomeShield 10 – 6% |
| 11,500 |
Global Atlantic |
Choice Income 10 option 1 |
| 11,327 |
Equitrust |
Market Power Bonus Index |
| 10,395 |
Athene |
Ascent 10 Bonus 2.0 |
| 10,078 |
Pacific Life |
Index Dimensions 10 |
| 9,240 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 8,960 |
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 |
| 5,988 |
NACOLAH |
Benefit Solutions 14 |
| 5,940 |
Great American |
Premier Income Bonus |
| 5,885 |
Global Atlantic |
Choice Income 10 option 1 |
| 5,500 |
Pacific Life |
Index Dimensions 10 |
| 4,895 |
Athene |
Ascent 10 Bonus 2.0 |
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 |
| 6,530 |
AEL |
IncomeShield – 7.25 |
| 6,411 |
F&G |
Safe Income Plus |
| 6,383 |
ACL/Sentinel |
Income Navigator |
| 6,276 |
NACOLAH |
Benefit Soutions 14 |
| 6,206 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 6,112 |
Equitrust |
Market Power Bonus Index |
| 5,775 |
Pacific Life |
Index Dimensions 10 |
| 5,460 |
Athene |
Ascent 10 Bonus 2.0 |
5 Year Deferral – @ age 75
| Payout (in dollars) |
Carrier |
Product |
| 9,521 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 9,457 |
NWL |
Ultra Future, IOP5 |
| 9,401 |
Nassau |
Personal Income Annuity |
| 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 |
| 8,820 |
AEL |
IncomeShield – 7.25 |
| 8,696 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 8,464 |
Equitrust |
Market Power Bonus Index |
| 8,448 |
ACL/Sentinel |
Income Navigator |
| 8,176 |
NACOLAH |
Benefit Solutions 14 |
| 8,050 |
Pacific Life |
Index Dimensions 10 |
| 7,920 |
Athene |
Ascent Bonus 2.0 |
10 Year Deferral – @ age 80
| Payout (in dollars) |
Carrier |
Product |
| 14,573 |
ACL/Sentinel |
Guaranteed Income Annuity |
| 14,040 |
Nassau |
Personal Income Annuity |
| 13,899 |
ACL/Sentinel |
Income Navigator |
| 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 |
| 12,360 |
AEL |
IncomeShield 10 – 6% |
| 12,312 |
Equitrust |
Market Power Bonus Index |
| 12,295 |
Legacy Marketing |
FlexMark Select, MyFit w/Booster |
| 11,910 |
Pacific Life |
Index Dimensions 10 |
| 11,445 |
Athene |
Ascent 10 Bonus 2.0 |
| 10,248 |
ACL/Sentinel |
Retirement Plus Multiplier |
| 9,840 |
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 |
| 8,431 |
Global Atlantic |
Choice Income 10 option 2 |
7.73 |
| 7,563 |
AIG |
Power 10 Protector Plus Income |
7.71 |
| 7,339 |
F&G |
Performance Pro |
5.44 |
| 7,158 |
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 |
| 12,744 |
Athene |
Agility 10 |
5.17 |
| 12,534 |
ACL/Sentinel |
Retirement Plus Multiplier |
4.65 |
| 12,322 |
F&G |
Performance Pro |
5.44 |
| 11,678 |
Allianz |
222 |
4.27 |
| 11,000 |
AIG |
Power 10 Protector Plus Income |
7.71 |
| 9,004 |
NACOLAH |
Benefit Solutions 14 |
4.02 |
15 year deferral – @ age 75
| Payout (in dollars) |
Carrier |
Product |
Illustrated Yield |
| 25,503 |
Global Atlantic |
Choice Income 10 option 2 |
7.73 |
| 20,388 |
F&G |
Performance Pro |
5.44 |
| 17,786 |
Athene |
Agility 10 |
5.17 |
| 16,017 |
Allianz |
222 |
4.27 |
| 13,000 |
AIG |
Power 10 Protector Plus Income |
7.71 |
| 11,507 |
NACOLAH |
Benefit Solutions 14 |
4.02 |
5 Year MYGA – 65 Male AZ 100K
| Base Rate |
Carrier |
Product |
Carrier Rating |
Notes |
| 2.30 |
American Equity |
Guarantee 5 MVA |
A- |
|
| 2.05 |
Athene |
Max Rate 5 |
A- |
100k plus |
| 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 |
| 4.00 |
Equitable Life |
Secure Savings Elite |
B |
|
| 2.95 |
F&G |
Guarantee-Platinum 5 |
A- |
|
| 2.45 |
Global Atlantic |
SecureForce 5 |
A |
|
| 3.15 |
Guggenheim |
Preserve MYGA 5 |
B++ |
|
| 3.40 |
Liberty Bankers Life |
Bankers Elite 5 |
B++ |
|
| 3.35 |
Nassau |
MyAnnuity 5x |
B |
3.15 with 10% Free w/d’s |
| 2.60 |
North American Life |
Guarantee Choice 5 |
A+ |
100k plus |
| 2.60 |
Oxford |
Multi-select 5 |
A- |
|
| 2.90 |
Royal Neighbors |
Choice 5 |
A- |
|
| 4.00 |
Sentinel Security Life |
Personal Choice 5 |
B++ |
|
| 2.55 |
The Standard |
Focused Growth Myga 5 |
A |
100k plus |
