Annuities.TRENDS A SAFE AND SECURE WAY TO SAVE FOR RETIREMENT * Despite the recent market turmoil, which led to a decline in consumer confidence about preparedness pre·par·ed·ness n. The state of being prepared, especially military readiness for combat. Noun 1. preparedness - the state of having been made ready or prepared for use or action (especially military action); "putting them for retirement, almost 8 in 10 annuity annuity: see insurance. annuity Payment made at a fixed interval. A common example is the payment received by retirees from their pension plan. There are two main classes of annuities: annuities certain and contingent annuities. owners say that annuities are secure and safe, are an important source of retirement security, and make them feel more secure in times of financial uncertainty. * The vast majority of annuity owners say that annuities are an effective way to save for retirement (86 percent) and that their annuity was a safe purchase (89 percent). * More than three in four say that they intend to use their annuities for retirement income. Other intended uses include a financial cushion Cushion In the context of project financing, the extra amount of net cash flow remaining after expected debt service. cushion See call protection. in case they or their spouse spouse A legal marriage partner as defined by state law live well beyond their life expectancy Life Expectancy 1. The age until which a person is expected to live. 2. The remaining number of years an individual is expected to live, based on IRS issued life expectancy tables. (83 percent) or to avoid being a financial burden on their children (81 percent). * Almost 9 in 10 agree that investment and insurance guarantees available in annuities are a very important benefit of the product. Source: The Committee of Annuity Insurers, the Gallup Gallup, town (1990 pop. 19,154), alt. 6,515 ft (1,986 m), seat of McKinley co., NW N.Mex., on the Puerco River near the Ariz. line; inc. 1891. It is a rail and trade center in a large mining, timber, and ranching area. Organization and Mathew Mathew is a variant of the name Matthew. Surname
MORNINGSTAR'S TOP 15 VA POLICIES
BY ASSETS, AS OF 11/03/2009
Company Name Policy Name
Variable Annuity life Insurance Co Portfolio Director
Jackson Natl life Insurance Co Perspective II
Pacific Life Insurance Co Pacific Value
Pacific Life Insurance Co Pacific Innovations Select
Riversource Life Insurance Co RVS RAVA4 Advantage
Metropolitan Life Insurance Preference Plus Select
ING USA Annuity and Life Insurance Co GoldenSelect Landmark
Lincoln National Life Insurance Company American Legacy III
ING USA Annuity and Life Insurance Co GoldenSelect ES II
Prudential Annuities Life Assurance Corp XTra Credit Six
Monumental Life Insurance Company Vanguard VA
Prudential Annuities Life Assurance Corp APEX II
John Hancock Life Insurance Co (USA) Venture (2006)
AXA Equitable Life Insurance Co EQUI-VEST 100/200
Metlife Investors USA Insurance Co MetLife Investors Series
XC VA
Max Yrs
Product Surrender Surr
Company Name Type Charge Applies
Variable Annuity life Insurance Co VA 5 5
Jackson Natl life Insurance Co VA 8.5 7
Pacific Life Insurance Co VA 9 7
Pacific Life Insurance Co VA 7 3
Riversource Life Insurance Co VA 8 10
Metropolitan Life Insurance VA 9 7
ING USA Annuity and Life Insurance Co VA 6 4
Lincoln National Life Insurance Company VA 7 7
ING USA Annuity and Life Insurance Co VA 8 8
Prudential Annuities Life Assurance Corp VA 9 10
Monumental Life Insurance Company VA -- --
Prudential Annuities Life Assurance Corp VA 8.5 4
John Hancock Life Insurance Co (USA) VA 6 7
AXA Equitable Life Insurance Co VA 6 12
Metlife Investors USA Insurance Co VA 8 9
Policy Net Policy
Company Name Assets $MM Inception Date
Variable Annuity life Insurance Co 18,102 07/11/1994
Jackson Natl life Insurance Co 15,218 01/15/2002
Pacific Life Insurance Co 13,417 01/12/1999
Pacific Life Insurance Co 12,934 04/02/2001
Riversource Life Insurance Co 10,849 06/09/2006
Metropolitan Life Insurance 9,748 01/10/2002
ING USA Annuity and Life Insurance Co 9,292 05/01/2001
Lincoln National Life Insurance Company 8,803 04/30/1997
ING USA Annuity and Life Insurance Co 8,527 10/10/1997
Prudential Annuities Life Assurance Corp 8,348 02/04/2002
Monumental Life Insurance Company 8,161 04/29/1991
Prudential Annuities Life Assurance Corp 7,730 02/04/2002
John Hancock Life Insurance Co (USA) 7,042 05/01/2006
AXA Equitable Life Insurance Co 6,780 08/17/1981
Metlife Investors USA Insurance Co 6,707 03/22/2001
Company Name State Availability
Variable Annuity life Insurance Co Available in all states
Jackson Natl life Insurance Co Available in all states
except NY, VI
Pacific Life Insurance Co Available in all states
except NY, PR, VI, GU
Pacific Life Insurance Co Available in all states
except NY, PR, VI, GU
Riversource Life Insurance Co Available in all states
except NJ, PR, VI, GU
Metropolitan Life Insurance Available in all states
except PR, VI, GU
ING USA Annuity and Life Insurance Co Available in all states
except NY, PR, VI, GU
Lincoln National Life Insurance Company Available in all states
except NY, GU
ING USA Annuity and Life Insurance Co Available in all states
except NY, PR, VI, GU
Prudential Annuities Life Assurance Corp Available in all states
except NY, PR, VI, GU
Monumental Life Insurance Company Available in all states
except NY, GU
Prudential Annuities Life Assurance Corp Available in all states
except NY, PR, VI, GU
John Hancock Life Insurance Co (USA) --
AXA Equitable Life Insurance Co Available in all states
Metlife Investors USA Insurance Co Available in all states
except PR, VI, GU
Maximum
Owner Max Annuitant
Company Name Issue Age Issue Age
Variable Annuity life Insurance Co 85 75
Jackson Natl life Insurance Co 90 90
Pacific Life Insurance Co 80 80
Pacific Life Insurance Co 85 85
Riversource Life Insurance Co 90 90
Metropolitan Life Insurance 85 85
ING USA Annuity and Life Insurance Co 80 80
Lincoln National Life Insurance Company 85 85
ING USA Annuity and Life Insurance Co 80 80
Prudential Annuities Life Assurance Corp 75 75
Monumental Life Insurance Company -- --
Prudential Annuities Life Assurance Corp 85 --
John Hancock Life Insurance Co (USA) 85 --
AXA Equitable Life Insurance Co -- 83
Metlife Investors USA Insurance Co 80 80
Source: [c] 2009 Morningstar, inc.
All rights reserved. The information contained herein: (1) is
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arising from any use of this information. Past performance is
no guarantee of future results.
EQUITY INDEXED ANNUITIES
AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY
WWW.AMERICAN-EQUITY.COM 888-221-1234
Product name Bonus gold
Availability All states except AK CT DE MN OK OR UT WA
Maximum issue age 80 (Q); 85 (NQ)
Minimum purchase $5,000
Crediting method 9 different crediting methods available
Minimum 80% of 1st year premiums & premium bonus,
guaranteed rate compounded annually at MGIR (Currently 3%)
Available riders Lifetime income Benefit rider,
nursing Care rider, Terminal illness rider
Unique features True 10% Premium Bonus (for issue ages 0-80,
5% for 81-85); Full Contract value Upon Death.
AMERICAN INVESTORS LIFE
WWW.AVIVAUSA.COM 800-255-2405 EXT. 330
Product name Income Select Bonus
Availability All states except AK CT DE MN NH NJ NY
OR PA TX UT VT WA
Maximum issue age 80
Minimum purchase $5000
Crediting method Monthly Average, Annual Point-to-Point,
Monthly Cap, Multi-Index, Fixed
Minimum 7.5% @ 1-3%
guaranteed rate
Available riders Income Edge Rider (GLWB); Income Edge
Plus Rider (GLWB w/confinement doubler)
Unique features 100% Nursing Home/Terminal Illness Waiver,
Home Healthcare Waiver.
AMERICAN NATIONAL INSURANCE COMPANY
WWW.IMG.ANICOWEB.COM 888-501-4043 OPTION 1
Product name ANICO Strategy Index Annuity 10
Availability All states except MA MN NY OR PA UT VT
Maximum issue age 85
Minimum purchase $5,000 (NQ), $4,000 (Q)
Crediting method Annual PTP
Minimum 75% (declared acct) 1.65% (index acct)
guaranteed rate
Available riders Enhanced Death Benefit, Lifetime Income,
Return of Premium
Unique features Disability and confinement waivers.
AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY
WWW.AMERICO.COM 800-231-0801 EXT. 8410
Product name Future Provider Bonus
Availability All states except AL AK CT DE MN MS NJ
NY OR UT WA
Maximum issue age 85
Minimum purchase $5,000 (NQ), $2,000 (Q)
Crediting method Point to Point Cap, Point to Point
Participation Rate, Nasdaq Point to Point no
cap, EZ option, Declared account, Monthly
Average Spread
Minimum 2%
guaranteed rate
Available riders Death Benefit Payout Rider, Waiver of
Surrender Charge upon Nursing home
confinement.
Unique features Bonus on all first year premium of 4%;
Full accumulation value death benefit.
ASSURITY LIFE INSURANCE COMPANY
WWW.ASSURITY.COM 800-276-7619
Product name Ascential 3.5.7 Bonus Annuity
Availability All states except NY
Maximum issue age 90
Minimum purchase $2,000
Crediting method Combination of investment-year and
portfolio methods
Minimum 3%
guaranteed rate
Available riders No-Cost Benefit: 100% of funds available
with total disability
Unique features Secure period may be 3, 5 or 7 yrs for
locked-in interest rate; 1% bonus in 1st
year.
ASSURITY LIFE INSURANCE COMPANY
WWW.ASSURITY.COM 800-276-7619
Product name Ascential Encore Annuity
Availability All states except NY
Maximum issue age 90
Minimum purchase $2000
Crediting method Combination of investment-year and portfolio
methods
Minimum 3%
guaranteed rate
Available riders No-Cost Benefit: 100% of funds available in
9th year, with total disability
Unique features I Bonus interest of 1.5% or less in first 2
years; 6% commissions; no front-end or
handling fees.
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