Sorting through the vast variety of products in the marketplace can become tedious and time consuming. Let us help you with the task. We are constantly on the lookout for the most competitive and client friendly products in the market.

Here is a list and brief explanation of some of the most popular Traditional and Multi-Year Guarantee Annuity products that we have to offer.

American Equity Investment Life Insurance Company

Guarantee Plus 1 [FPDA-5 (03)(2.25)] and
Guarantee Plus 2 [FPDA-2 (03)(2.25)]

These Flexible Premium Deferred Annuities guarantee an additional 1% or 2% interest, credited to the base rate through the fifth contract year. They have a 12-year surrender period and offer 10% free withdrawals each year. The Plus 1 pays up to a 5.5% commission and the Plus 2 pays up to a 5% commission.

FPDA-10 Annuity

This annuity offers a 2% Premium Bonus to the base rate for the 1st year of the contract. 10% of contract value is available after the first year and systematic withdrawals of interest are available immediately. It has a 12-year surrender period and pays up to a 10% commission.

FPDA-11 Annuity

This annuity offers a 6% Premium Bonus to the base rate for the 1st year of the contract. 10% of contract value is available after the first year and systematic withdrawals of interest are available immediately. It has a 12-year surrender period and pays up to a 5% commission.

American National Insurance Company

Palladium MYG
This multi-year guarantee annuity offers the choice of several different guarantee periods. It has competitive interest rates and commissions. It also offers, with no surrender penalties, interest earned withdrawals the first year and 10% after the first year and pays up to a 4% commission.

AIG Life Brokerage Company

AG Horizon MYG (Form #04370)
- This product offers a 6-year guarantee and a 4% bonus is added to the base rate for the first contract year. 10% free withdrawals are available each year and in the 1st year 10% of initial premium is available. It has a 10-year surrender period and pays up to 7.5% commission.

AG HorizonPlus 2004 (Form #04362)
This product offers a 6-year guarantee and a 6% bonus is added to the base rate for the first contract year. 10% free withdrawals are available each year and in the 1st year 10% of initial premium is available. It has a 9-year surrender period and pays up to 6% commission.

AG Horizon Flex(Form #04371)
This product offers competitive interest rates. A 2% bonus is added to the base rate for the first contract year. 10% free withdrawals are available each year and in the 1st year 10% of initial premium is available. It has an 8-year surrender period and pays up to 5% commission.

Chase Insurance Life and Annuity Company

Zurich Classic II
The Zurich Classic II is a fixed annuity with multiple guarantee periods. It allows you to lock-in the current rate for a 1, 3, or 6-year period. It has a 10% free withdrawal option and no surrender charges at death. It offers competitive interest rates and pays up to a 3% commission.

Zurich Elite
The Zurich Elite Annuity has a 9-year surrender charge with a choice of a 6 or 9-year guarantee period. It has a 4% premium bonus and offers 10% free withdrawals. It offers competitive rates and pays up to a 5.50% commission.

True Level Choice (TLC)
The True Level Choice (TLC) is a Single Premium multi-year-guarantee annuity. It offers a very competitive 5-year guaranteed interest rate and the surrender period is also 5-years. 10% free withdrawals are available after the first contract year and systematic interest withdrawals are available after 30 days. Issue ages are 0-95 and commission paid is up to 3%.

Equitrust Life Insurance Company

CERTAINTY^sm SELECT Annuity
This is a single-premium deferred annuity that features multi-year guarantee periods that range from 3 to 10 years. It allows for a choice of cumulative interest withdrawals or 10% free withdrawals after the 1st year. It has very competitive interest rates and pays 2% commission through age 80 on 3-year plan and 3% commission through age 80 on 5,6,8 & 10 year plan.

Fidelity And Guaranty Life Insurance Company
(Member of Old Mutual Financial Network)

Fidelity Platinum and Platinum Plus
These annuities offer a choice of 5, 7 or 10 year guarantee periods, with no surrender charge or MVA during the 30 day window at the end of the guarantee period chosen. The interest rates have been consistently some of the most competitive in the marketplace today. Accumulated interest is available immediately. Commissions range from 1% to 5% depending on product and guarantee period chosen. (Commission reduction at age 80)

Legends Classic
This product offers competitive interest rates. A 2% bonus is added to the base rate for the first contract year. Accumulated interest withdrawals are available immediately. It has a 7-year surrender period and pays up to 5% commission.

Great American Life Insurance Company

The American Freedom® 10-ST
This product offers a 1.50% interest rate bonus in the first year*, has a 10-year surrender charge and pays up to a 6.50% commission. This product can be annuitized after the first year for a minimum of five years. Monthly interest withdrawals are available the first contract year and 10% free withdrawals are available after the first year.

The American Freedom Classic 10®
This product offers a 5% interest rate bonus in the first contract year*, has a 10-year surrender charge and pays up to a 4.75% commission. This product can be annuitized after the first year for a minimum of seven years. Monthly interest withdrawals are available the first contract year and 10% free withdrawals are available after the first year.

American Freedom Stars & Stripes
This product offers competitive interest rates guaranteed for 5-years. Monthly interest withdrawals are available the first contract year and 10% free withdrawals are available after the first year. It pays up to 3% commission.

*This feature is non-contractual and may be discontinued. However, if the contract is issued while the feature is available, it can't be changed.

ING USA Annuity & Life Insurance Company

The ING Guarantee Choice Annuity
offers a choice of three different guarantee periods, very competitive interest rates and commissions and a 10% free withdrawal provision available after the 1st contract year.

Integrity Life Insurance Company

New Momentum
offers a choice of 2, 3, 5, 7, or 10-year guaranteed rates and has a 7-year surrender period. It offers 10% free annual withdrawals available immediately and pays up to a 5.00% commission.

Momentum Advantage
offers a choice of 4, 5, 7, or 10-year guaranteed rates with matching surrender periods. Its special feature is the Beneficiary Advantage Rider, which helps offset potential tax liability or other expenses a beneficiary may incur at the annuitant's death. It also offers 10% free annual withdrawals available immediately and pays up to a 3.50% commission.

SPDA Series II^SM
offers a choice of a 1, 3, or 5 year guaranteed rate and has a 7-year surrender period. It offers 10% free annual withdrawals immediately and pays up to 5% commission.

Jefferson Pilot Life

JPF Classic 5, 7 & 10
This product offers a choice of 5, 7 or 10-year surrender periods. It has an initial multi-year guaranteed interest rate of 5 or 7 years. It also offers 10% free annual withdrawals each policy year and systematic interest withdrawals are available immediately. It pays up to a 6.00% commission.

Lincoln Financial Group

Lincoln Classic Annuity

has an initial multi-year guaranteed interest rate, a choice of a 5-or 7-year surrender charge period and offers 10% withdrawals each policy year without an MVA or surrender charge. This annuity pays up to 5% commission. Nursing Home and Terminal Illness riders are included where approved.