ANNUITIES EXCHANGE TM - toppayout.com · For agent use only. Not intended to create public interest in the sale of annuities. Products not approved in all states. Rates subject to

3 YEAR GUARANTEE

EquiTrust Life Insurance Company B++ Certainty Select $10,000 (Q/NQ) 2.50% 2.50% Yrs 2-3 2.50% 2.00%

B++ Preserve Multi-Year

Guaranteed Annuity

$5,000 (Q)$10,000 - $249.999 (NQ) 3.00% 3.00% 3.00%

1.00%$250,000+ 3.10% 3.10% 3.10%

Liberty Bankers Life Insurance Company B++ Bankers Elite 3 $10,000 (Q/NQ) 2.75% 2.75% Yrs 2-3 2.75% 2.00%

4 YEAR GUARANTEE

Guaranty Income Life B++ Guaranty 4 $2,000 (Q) $5,000 (NQ) 2.80% 2.80% 2.80% 1.60% (0-79)

0.80% (80-100)Guggenheim Life and Annuity Company B++ Preserve Multi-Year

Guaranteed Annuity $5k(Q)/ $10k(NQ)-$249.999 3.05% 3.05% 3.05%

1.75%

$250,000+ 3.15% 3.15% 3.15%

Guaranteed/Traditional Product Summary

August 16, 2018

PAGE 1

ANNUITIES EXCHANGETM

800-572-7283 | TopPayout.com

Company AM Best Rating

Product Name(Call for State Approvals)

Minimum Premium

1st Year Rate

Rates

Thereafter

Annual E�ec Yield

Commission *

ISSUE AGE 100

5 YEAR GUARANTEE

American National Insurance Company 1A Palladium MYG

$100,000+

3.15%

2.50% Yrs 2-5 2.70% < $100,000

3.00%

2.40% Yrs 2-5 2.60% 2.50%

Bankers Life Insurance Company B SPDA-5 Annuity $10,000+ 3.80% 3.80% Yrs 2-5 3.80%

2.25% (0-80)

$5,000 - $9,999 3.80% 3.80% Yrs 2-5 3.80% 1.25%


Guggenheim Life and Annuity Company B++Preserve Multi-Year

Guaranteed Annuity

3.25% 3.25% 3.25% 2.50%$250,000+ 3.35% 3.35% 3.35%

Integrity Life Insurance Company A+ MultiVantage 5 Year GRO $20,000 (Q/NQ) 3.05% 2.05% Yrs 2-5 2.25%


Liberty Bankers Life Insurance Company B++ Bankers 5 Premier $10,000 (Q/NQ) 3.45% 3.45% Yrs 2-5 3.45% 2.00%

North American Company for Life and Health Insurance®

Form #DL1110A+ North American Guarantee Choice SM $100,000+ 3.30% 3.30% Yrs 2-5 3.30% 2.00%

< $100,000 2.95% 2.95% Yrs 2-5 2.95% 2.00%

A- Choice 5 SPDA

3.50% 3.50%

Yrs 2-5 3.50%

Sentinel Security Life B++ Personal Choice Annuity TM $2,500 (Q/NQ) 4.00% 3 4.00%3

Yrs 2-5 4.00%3

2.25%

The Standard A FGA 5 $100,000+ 3.35% 3.35% Yrs 2-5 3.35% 2.00%

$15,000-$99,999 3.25% 3.25% Yrs 2-5 3.25% 2.00%*Commissions may be reduced for older ages and state variations. Call for information on higher commission levels.

1 Minimum Guaranteed Interest rate for Palladium MYG varies by state. AE0016 2 Call for CA & FL rate. 3 Call for FL and MN rate.For agent use only. Not intended to create public interest in the sale of annuities. Products not approved in all states. Rates subject to change. See company materials for further details and limitations.For the latest A.M. Best rating, access www.ambest.com

Guggenheim Life and Annuity Company

B Guaranteed Yield $10,000 NQ/$5,000 Q 3.75% 3.75% Yrs 2-5 3.75%2.40% (0-80)

1.40% (81-90)

*Call for enhanced commissions available on some products.

2 YEAR GUARANTEE

ELCO Mutual

ELCO Mutual B Guaranteed Yield $10,000 NQ/$5,000 Q 2.25% 2.25% Yrs 2-3 2.25%0.70% (0-80)0.70% (81-90)

AtheneMaxRate MYG

A-

3.50%3.40%

3.15% Yrs 2-53.00% Yrs 2-5

3.15%3.00% 1.80% (76-80)

1.10% (81-83)

2.00% (0-75)< $100,000

$100,000+

3.10%2.95%

3.10% Yrs 2-52.95% Yrs 2-5

3.10%2.95%

$100,000+< $100,000

State Speci�cVersion

TraditionalVersion

4

4 Avail in AK,CA,CT,DE,HI,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT & WA

1.25% (81-85)

ELCO Mutual B Guaranteed Yield $10,000 NQ/$5,000 Q 3.50% 3.50% Yrs 2-3 3.50%2.30% (0-80)1.30% (81-90)

Royal Neighbors of America2.00% (0-75)

1.70% (76-85)2.00% (0-75)1.70% (76-85)

$100,000+

< $100,000

Reliance Standard Life Insurance Company

A+ Eleos MVA

Eleos SP

3.30%

3.15%

3.30% Yrs 2-5

3.15% Yrs 2-5

3.30%

3.15%

$10,000 (Q/NQ)

$10,000 (Q/NQ)

2.50% (0-75)2.00% (76-80)1.50% (81-85)

Integrity Life Insurance Company A+ MultiVantage 4 Year GRO 2.80% 1.80% 2.05%2.00% (0-75)1.50% (76-85)1.20% (86-89)

$5k(Q)/ $10k(NQ)-$249.999

2.50 (0-75)2.00%(76-85)1.70% (86-89)

$20,000 (Q/NQ)

Equitable B Secure Savings 2-Year 2.80% 2.80% 2.80% 1.00% (0-90)

Thereafter

2.00 (0-75)1.75%(76-80)0.75% (81-90)

Equitable B Secure Savings 5-Year 4.00% 4.00% Yrs 2-5 4.00%

$10,000 (Q/NQ)

$10,000 (Q/NQ)

100% Liquid Place To Park Assets!

Liberty Bankers Life Insurance Company B++ Bankers Accumulator $10,000 (Q/NQ) 1.25% LIQUID ACCOUNT 0.50% (0-79)*0.40% (80-100)*

*Commission paid annually as a trail. The agent receives 1/12 at the end of each month as long as the account remains open


800-572-7283 | ANNUITIESEXCHANGE.COM

6 YEAR GUARANTEE

American National Insurance Company 1 A Palladium MYG$100,000+ 2.90% 2.90% Yrs 2-6 2.90% 2.50%

< $100,000 2.80% 2.80% Yrs 2-6 2.80% 2.50%

EquiTrust Life Insurance Company B++ Certainty Select $10,000 (Q/NQ) 3.10 3.10% Yrs 2-6 3.10% 3.00%

EquiTrust Life Insurance Company B++ ChoiceFour $10,000 (Q/NQ) 2.75%(YR1)+1.50%

Prem Bonus

2.00% base 5.50%

Guggenheim Life and Annuity Company B++Preserve Multi-Year

Guaranteed Annuity

$5,000 (Q) $10,000 - $249.999 (NQ)

3.30% 3.30% 3.30% 2.50%

$250,000+ 3.40% 3.40% 3.40%

North American Company for Life and Health Insurance® Form #DL1110

A+ North American Guarantee Choice SM $100,000+ 3.10% 3.10% Yrs 2-6 3.10% 2.00%

< $100,000 2.80% 2.80% Yrs 2-6 2.80% 2.00%



Minimum Premium

1st Year Rate

Rates Thereafter

Annual E�ec Yield

Commission*

PAGE 2

7 YEAR GUARANTEE

American National Insurance Company1 A Palladium MYG $100,000+ 3.85% 2.85% Yrs 2-7 2.99% 2.50%

< $100,000 3.75% 2.75% Yrs 2-7 2.89% 2.50%

Athene A- MaxRate MYG

3.25% 3.25% Yrs 2-7 3.25% 2.50% (0-75)3.10% 3.10% Yrs 2-7 3.10% 2.25% (76-80)

Guaranty Income Life B++ AnnuiCare®7 $50,000 (Q)

$36,500 (NQ)3.00%1%, 2%

or 3% Bonus

Available o�set by commission

1.00%minimumguarantee

4.50% (0-74)2.50% (75-85)

Guggenheim Life and Annuity Company B++ Preserve Multi-Year

Guaranteed Annuity

$5,000 (Q)

$10,000 - $249.999 (NQ)3.40% 3.40% 3.40%

2.50%$250,000+ 3.50% 3.50% 3.50%


Integrity Life Insurance Company A+ MultiVantage 7 Year GRO $20,000 (Q/NQ) 3.45% 2.45% Yrs 2-7 2.59% 3.00% (0-75)

Liberty Bankers Life Insurance Company B++ Bankers 7 Premier $10,000 (Q/NQ) 3.50% 3.50% Yrs 2-7 3.50% 2.15%

North American Company for Life and Health Insurance®

Form #DL1110A+ North American Guarantee Choice SM $100,000+ 3.15% 3.15% Yrs 2-7 3.15% 2.50%

< $100,000 2.85% 2.85% Yrs 2-7 2.85% 2.50%

Reliance Standard Life Insurance Company A+ Apollo - MVA $5,000 (Q/NQ)

5.05% 3.05% Base Rate

- 4.00%*

Apollo - SP Cumulative Withdrawal

up to 30% Available

$5,000 (Q/NQ)

4.90% 2.90% Base Rate

- 4.00%*

Sentinel Security Life B++ Personal Choice Annuity TM $2,500 (Q/NQ) 4.10% 3 4.10%3 Yrs 2-7 4.10% 3 2.25%

The Standard A FGA 7 $100,000+ 3.40% 3.40% Yrs 2-7 3.40% 2.00%

$15,000-$99,999 3.30% 3.30% Yrs 2-7 3.30% 2.00%

LTC Benefit AvailableANNUITY/LTC COMBOTRADITIONAL PRODUCT

TRADITIONAL PRODUCTS

TRADITIONAL PRODUCT

*Commissions may be reduced for older ages and state variations. Call for information on higher commission levels.1Minimum Guaranteed Interest rate for Palladium MYG varies by state. AE0016 2 Call for CA &FL rate. 3 Call for FL and MN rate.For agent use only. Not intended to create public interest in the sale of annuities. Products not approved in all states. Rates subject to change. See company materials for further details and limitations.For the latest A.M. Best rating, access www.ambest.com

Guaranteed/Traditional Product Summary

Commissions may be reduced.

CBLA 7

1.30% (81-83)

*Call for enhanced commissions available on some products.

$100,000+

< $100,0003.20%3.05%

3.20%3.05%

3.20% Yrs 2-73.05% Yrs 2-7

TraditionalVersion

VersionState Speci�c $100,000+

< $100,000

Avail in AK,CA,CT,DE,HI,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT & WA4

4

Guaranty Income Life B++ Guaranty 6 $2,000 (Q) $5,000 (NQ) 3.60% 3.60% 3.60% 2.00% (0-79)

2.20% (76-85)1.80% (86-89)

1.00% (80-90)

Colorado Bankers Life B++ $10,000 (Q/NQ) 4.10% 4.10% Yrs 2-7 4.10% 3.00% (0-80)1.50% (81-90)



Minimum Premium

1st Year Rate

Rates Thereafter

Annual E�ec Yield

Commission*

9 YEAR GUARANTEEAmerican National Insurance Company1 A Palladium MYG $100,000+ 4.90% 2.90% Yrs 2-9 3.12% 3.00%

< $100,000 4.80% 2.80% Yrs 2-9 3.02% 3.00%

Guggenheim Life and Annuity Company B++ Preserve Multi-Year Guaranteed Annuity

$5,000 (Q) $10,000 - $249.999 (NQ)

3.50% 3.50% 3.50% 2.50%

$250,000+ 3.60% 3.60% 3.60%



A+ North American Guarantee Choice II SM $100,000+ 3.25% 3.25% Yrs 2-9 3.25% 3.00%

< $100,000 3.00% 3.00% Yrs 2-9 3.00% 3.00%

8 YEAR GUARANTEE

American National Insurance Company1 A Palladium MYG $100,000+ 3.05% 3.05% Yrs 2-8 3.05% 2.50%

< $100,000 2.95% 2.95% Yrs 2-8 2.95% 2.50%



$5,000 (Q) $10,000 - $249.999 (NQ)

3.45% 3.45% 3.45% 2.50%

$250,000+ 3.55% 3.55% 3.55%



< $100,000 2.95% 2.95% Yrs 2-8 2.95% 2.50%


800-572-7283 | ANNUITIESEXCHANGE.COMGuaranteed/Traditional Product Summary

10 YEAR GUARANTEE

American National Insurance Company1 A Palladium MYG

$100,000+ 4.05% 3.05% Yrs 2-10 3.15% 4.00%

< $100,000 3.95% 2.95% Yrs 2-10 3.05% 4.00%


Guaranty Income Life

B++

AnnuiCare®10 $50,000 (Q) $36,500 (NQ)

3.25%1%, 2% or 3%Bonus

Availableo�set by

commission

1.00%minimumguarantee

7.50% (0-74)5.50% (75-79)

Guaranty Income Life FlexPlus10 $2,000 (Q) $5,000 (NQ)

3.25% 1.00%minimumguarantee

7.25% (0-74)4.75% (75-79)


$5,000 (Q) $10,000 - $249.999 (NQ)

3.60% 3.60% 3.60% 3.00%

$250,000+ 3.70% 3.70% 3.70%

National Western Life

Cumulative WithdrawalsAvailable

Up to 50%

A NWL Protector One (FPDA)Cumulative Withdrawal

up to 50% Available

$5,000 Minimum (Q/NQ) 3.75% 2.75%

base rate -8.50% (0-65)7.00% (66-75)

Call (76-85)

NWL Accumulator Five® (FPDA)Cumulative Withdrawal

up to 30% Available

$5,000 Minimum (Q/NQ) 7.75% 2.75%

base rate -5.50% (0-65)4.50% (66-75)

Call (76-85)

TRADITIONAL PRODUCTS

ANNUITY/LTC COMBO

LOW MINIMUM

TRADITIONAL PRODUCTS LTC Benefit Available

PAGE 3

*Commissions may be reduced for older ages and state variations. Call for information on higher commission levels.1 Minimum Guaranteed Interest rate for Palladium MYG varies by state. AE0016 2Call for FL and MN rate. For agent use only. Not intended to create public interest in the sale of annuities. Products not approved in all states. Rates subject to change. See company materials for further details and limitations. For the latest A.M. Best rating, access www.ambest.com

*Call for enhanced commissions available on some products. Commissions may be reduced.

ELCO Mutual B Multi-Year Guaranteed Yield $10,000 (Q/NQ) 3.85% 3.85% Yrs 2-10 3.85% 3.20% (0-80)2.20% (81-85)

Integrity Life Insurance Company A+ MultiVantage 10 Year GRO 3.65% 2.65% 2.75%

3.50% (0-75)2.70% (76-85)2.00% (86-89)

$20,000 (Q/NQ)

Guaranty Income Life B++ Guaranty 8 $2,000 (Q)

$5,000 (NQ) 3.50% 3.50% 3.50% 3.00%

10 YEAR GUARANTEE (CONTINUED)



< $100,000 3.10% 3.10% Yrs 2-10 3.10% 3.00%

Sentinel Security Life B++ Personal Choice Annuity TM $2,500 (Q/NQ) 4.20% 2 4.20% 2 Yrs 2-10 4.20% 2 2.75%

The Standard A FGA 10$100,000+ 3.40% 3.40% Yrs 2-10 3.40% 3.00%

$15,000 - $99,999 3.30% 3.30% Yrs 2-10 3.30% 3.00%

PAGE 4

*Commissions may be reduced for older ages and state variations. Call for information on higher commission levels.1 Minimum Guaranteed Interest rate for Palladium MYG varies by state. AE0016 2 Call for FL and MN rate. For agent use only. Not intended to create public interest in the sale of annuities. Products not approved in all states. Rates subject to change. See company materials for further details and limitations. For the latest A.M. Best rating, access www.ambest.com



Minimum Premium

1st Year Rate

Rates Thereafter

Annual E�ec Yield

Commission*


800-572-7283 | ANNUITIESEXCHANGE.COMGuaranteed/Traditional Product Summary

*Call for enhanced commissions available on some products. Commissions may be reduced.

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ANNUITIES EXCHANGE TM - toppayout.com · For agent use only. Not intended to create public interest in the sale of annuities. Products not approved in all states. Rates subject to