An annuity is a contract between you and the insurance company that guarantees you income in the future, in exchange for purchase payments today. You can purchase an annuity with one single payment, or periodic payments into the future. Annuities are valuable tools in planning for retirement, or future long-term care expenses. Types of Annuities are CD Type, Equity Index and Immediate.
Name of Carrier | A. M. Best Rating | Policy Name | Guaranteed Rates | Surrender Period | Equivelant Fixed Rate |
Midland National Life | A+ | Direct Guarantee 4 | 4.6% first yr. (4.6% yrs. 2-4) | 4 yrs. | 4.6% |
Illinois Mutual | A- | Select Advantage 4 | 4.6% first yr. (4.6% yrs. 2-4) | 4 yrs. | 4.6% |
Integrity Life | A++ | Momentum Advantage 4 | 4.95% first yr. (4.20% yrs. 2-4) | 4 yrs. | 4.39% |
Name of Carrier | A. M. Best Rating | Policy Name | Guaranteed Rates | Surrender Period | Equivelant Fixed Rate |
EquiTrust Life Ins. | A | Certainty 3 | 4.65% first yr.(4.65% yrs. 2-3) | 3 yrs. | 4.65% |
EquiTrust Life Ins. | A | Certainty Select 3 | 4.65% first yr.(4.65% yrs. 2-3) | 3 yrs. | 4.65% |
Illinois Mutual | A- | Select Advantage 3 | 4.5% first yr. (4.5% yrs. 2-3) | 3 yrs. | 4.5% |
Name of Carrier | A. M. Best Rating | Policy Name | Guaranteed Rates | Surrender Period | Equivelant Fixed Rate |
Midland National Life | A+ | MNL Guarantee Plus 5 | 4.9% first yr. (4.9% yrs. 2-5) | 5 yrs. | 4.9% |
EquiTrust Life Ins. | A | Certainty 5 | 5.0% first yr. (5.0% yrs. 2-5) | 5 yrs. | 5.0% |
EquiTrust Life Ins. | A | Certainty Select 5 | 5.0% first yr. (5.0% yrs. 2-5) | 5 yrs. | 5.0% |
Integrity Life Ins. | A++ | Momentum Advantage 5 | 5.25% first yr. (4.5% yrs. 2-5) | 5 yrs. | 4.65% |
Name of Carrier | A. M. Best Rating | Policy Name | Guaranteed Rates | Surrender Period | Equivelant Fixed Rate |
EquiTrust Life Ins. Co. | A | Certainty 6 | 10.0% first yr. (4.0% yrs. 2-6) | 6 yrs. | 5.0% |
EquiTrust Life Ins. Co. | A | Certainty Select 6 | 10.0% first yr. (4.0% yrs. 2-6) | 6 yrs. | 5.0% |
American National Ins. | A+ | Palladium MYG Annuity (100) | 4.75% first yr. (4.75% yrs. 2-6) | 6 yrs. | 4.75% |
Name of Carrier | A. M. Best Rating | Policy Name | Guaranteed Rates | Surrender Period | Equivelant Fixed Rate |
Midland National | A+ | MNL Guarantee Plus 7 | 5.1% first yr. (5.1% yrs. 2-7) | 7 yrs. | 5.1% |
Integrity Life Insurance | A++ | Momentum Advanage 7 | 5.55% first yr. (4.80% yrs. 2-7) | 7 yrs. | 4.91% |
National Integrity Life | A++ | Momentum Advanage 7 | 5.45% first yr. (4.70% yrs. 2-7) | 7 yrs. | 4.81% |
Name of Carrier | A. M. Best Rating | Policy Name | Guaranteed Rates | Surrender Period | Equivelant Fixed Rate |
EquiTrust Life Ins. Co. | A | Certainty 8 | 9.5% first yr. (4.5% yrs. 2-8) | 8 yrs. | 5.13% |
EquiTrust Life Ins. Co. | A | Certainty Select 8 | 9.5% first yr. (4.5% yrs. 2-8) | 8 yrs. | 5.13% |
American National Ins. | A+ | Palladium MYG Annuity8 (100) | 4.9% first yr. (4.9% yrs. 2-7) | 8yrs. | 4.9% |
| 5 Year Interest Rate Guarantee 3 Year Interest Rate Guarantee 6 Year Interest Rate Guarantee 8 Year Interest Rate Guarantee 10 Year Interest Rate Guarantee |
We attempt to maintain accurate information on this page. However, rates do fluctuate according to
market conditions. Call us to confirm accurate interest rates before signing an application for an annuity.
If you feel a longer term makes sense for you, call us for the highest guarantees currently available in your state.
Copyright © 2004 If you would like to reproduce and or use part of or all of this text in a printed document for educational, non-profit purposes you are welcome to do so, all I ask is that credit be given to me on the same document this information is reproduced, and that none of this text be modified or altered (if you would like to add your own comments feel free to do so by including them in parenthesis and establishing that the comments are not my own.) I do not give permission for any contents herein to be reproduced in whole or in part on another web page or web site (whatever the nature or purpose) or to be reproduced in whole or in part in any publication or collection of widespread circulation, whether offline or online, for whatever purpose. If you would like to write your own "copyright disclaimer", "copyright page" or anything similar and you use this page as a source to obtain a major part of your information you must reference me as a source at the bottom of such disclaimer or page. Translations of this page into other languages are not authorized. If you find my information to be useful and/or educational and would like to lead others here, you are welcome to link to this page, but please do not place your link in such a manner as to mislead others to believe this page is a part of your web site, or as an "exit door" from your site without your visitors knowing where they are going. (sometimes causes others to write to me thinking that I am you or the owner of your site).