The Top Annuity Rates

The Top Annuity Rates

Almost half way through 2016 and CPS is on a record pace for annuity sales.  See below for highlights of the annuity contracts we are seeing the most success with.

CD Alternatives – Multi-Year Guarantee Annuities

With Bank CDs in the 1.60% range, fixed annuities can make a lot of sense for clients seeking better fixed yields:

3 year = 2.00%                       5 year = 3.20%                       7 year = 3.29%

4 year = 2.55%                       6 year = 3.22%                       10 year = 3.50%

Index Annuities for Accumulation:

If your client has a 5-year time horizon for deferral or longer, index annuities provide a great way to beat fixed rates by linking account credits to a market index.  Below are the top index annuities for accumulation:

5 Year Accumulation Option 1:

  • S&P500 Annual Point to Point cap of 5.25% – the top cap for a short term index annuity in the industry

7 Year Accumulation Option 1:

  • Dynamic Index with no cap and 1.60% spread with 100% participation rate
  • Back tested yields of 4.00% – 9.00% depending on the time horizon illustrated
  • 4% commission for most ages

7 Year Accumulation Option 2:

  • Simple annual point to point with cap of 5.25%
  • Back tested yields of 3.20% – 3.70% depending on the time horizon illustrated
  • 4.50% commission for most ages

10 Year Accumulation Option 1:

  • Dynamic Index with no cap and 2.30% spread with 100% participation rate
  • Back tested yields of 4.00% – 9.00% depending on the time horizon illustrated
  • 3% premium bonus
  • 7% commission for most ages

Top Income Planning Annuities:

Top Income Riders:

  • 10% simple interest growth and 15% bonus – limited time only, call for details
  • 15% bonus and 150% participation rate with increasing income

Contact us today for details on these great product offerings, and to discuss how we can take the next steps to help grow your practice.