Rates are on the rise! Below is a list of top fixed and index contracts available as of April 26th, 2016:
Multiyear Guarantee Annuity Hot Rates:
With 5 year rates well over 3%, these annuities are getting a lot of attention. With 5 year CDs at 1.72% according to bankrate.com, are you missing out on moving a portion of your clients CD funds to fixed annuities? These products give you an excellent opportunity to offer them the guarantees they need today.
| Company | Product | Guarantee Period | Year 1 | Years 2+ | Yield | Issue Age | A.M. Best |
|---|---|---|---|---|---|---|---|
| Athene | MYG 3 | 3 Years | 2.00% | 2.00% | 2.00% | 0 – 85 | A- |
| Guarantee Income Life | Guarantee 4 | 4 Years | 2.55% | 2.55% | 2.55% | 0 – 100 | B+ |
| Atlantic Coast Life | Safe Harbor | 5 Years | 4.25% | 3.25% | 3.23% | 0 – 90 | B+ |
| Athene | MYG 5 | 5 Years | 2.90% | 2.90% | 2.90% | 0 – 83 | A- |
| Atlantic Coast Life | Safe Harbor | 6 Years | 4.35% | 3.35% | 3.24% | 0 – 90 | B+ |
| American Equity | Guarantee 6 | 6 Years | 2.90% | 2.90% | 2.90% | 0 – 85 | A- |
| American Equity | Guarantee 7 | 7 Years | 3.15% | 3.15% | 3.15% | 0 – 85 | A- |
| North American | Guarantee Choice | 8 Years | 3.05% | 3.05% | 3.05% | 0 – 90 | A+ |
| North American | Guarantee Choice | 9 Years | 3.20% | 3.20% | 3.20% | 0 – 90 | A+ |
| Atlantic Coast Life | Safe Harbor | 10 Years | 5.00% | 4.00% | 3.50% | 0 – 90 | B+ |
Top Index Annuities:
Athene Ascent Pro 5:
Annual Point to Point S&P500 cap at 5.25% on a 5 year contract. This short term index annuity has one of the top caps in the industry providing upside potential with no downside risk.
AIG Power 7:
Volatility Managed index (MLSB) with 1.25% spread and the power of leverage with no cap with a 7 year surrender This is one of the top safe accumulation vehicles in the marketplace today.
Integrity Indextra 7:
Goldman Sachs Momentum Builder Index with no cap, no spread, and 100% participation rate – 3 year point to point volatility managed strategy on a 7 year chassis (5.25% commission at most ages)
Great American Safe Return:
S&P500 annual point to point cap at 4.75% – allows a client to beat the bank with a 1% minimum guarantee with upside potential with full liquidity (5.50% commission, most ages – ask about competitive trails)
Contact your Annuity Sales Rep today for full details and for a consultation on what the best annuities to implement into your specific practice may be. Together we can work to find you the solutions your clients need.