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					                                                                                  New York Fixed Annuities
                                                                        445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                 Updated : February 23, 2011
Company               Product                Years Min             Amt       Base Bonus Current Issue Age                         Minimum      AM     Notes
                                             GTD Guar              Inv.      Rate Rate Rate Qual Non Q                            Purchase     Best
                                                             11 Year Surrender Charge*
American Equity       FPDA 1 NY             1     3.00%                     3.00% 2.00%            5.00% 0-75           0-80      $2,000.00     A
Investment LI of NY   *10,10,1010,9,8,7,6,4.5,3,1.5
                                                              9 Year Surrender Charge*
Jackson National NY   NY Action                 1      2.00%                2.00% 1.00% 3.00% 0-85                      0-85     $10,000 NQ A+
*9,8,7,6,5,4,3,2,1    NY Action 200             1                           3.00% 1.00% 4.00% 0-85                      0-85      $2,000 Q  A+
Mass Mutual           Odyssey Select            2      2.00%                3.40% Yr 1 / 2.40% Yr 2                              $10,000 NQ A++
*8,8,7,6,5,4,3,2,1                                                                                                                $4,000 Q
The Hartford          Saver Certainty          10                 <100k                            1.15% 0-85           0-85       $5,000    A
*8,8,7,6,5,4,3,2,1                                                >100k                            1.35%
                                                7                 <100k                            1.35%
                                                                  >100k                            1.70%
                                                5                 <100k                            1.10%
                                                                  >100k                            1.25%
                                                3                 <100k                            1.00%
                                                                  >100k                            1.10%
                      Saver Max                10                 <100k                            2.40%
                                                                  >100k                            2.55%
                                                7                 <100k                            1.75%
                                                                  >100k                            2.00%
                                                5                 <100k                            1.40%
                                                                  >100k                            1.60%
                                                3                 <100k                            1.00%
                                                                  >100k                            1.05%
                                                                     7 Year Surrender Charge
Continued Next Page




                                                                                 Important Notice
                                                         This "Rate Sheet" contains a very brief outline of product features.
                                        For complete product formation"click" on "Brochures" Not FDIC or insured by any federal gov't agency                  1 of 6 Pages
                                                                                 New York Fixed Annuities
                                                                       445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                               Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                Updated : February 23, 2011
Company              Product                Years Min             Amt       Base Bonus Current Issue Age                         Minimum      AM     Notes
                                            GTD Guar              Inv.      Rate Rate Rate Qual Non Q                            Purchase     Best
                                                                  7 Year Surrender Charge*
First Sun America    Flex 7 FSA                1      1.00% <100k          2.65% 1.50% 4.15% 0-70 0-85                            $5,000 Q     A
*9,8,7,6,5,4,2                                 1               >100k       2.65% 2.50% 5.15%                                     $5,000 NQ
                                               3               <100k       2.50% 1.00% 3.50%
                                               3               >100k       2.50% 1.30% 3.80%
                                               5               <100k       2.85% No         2.85%
                                               5               >100k       3.05% No         3.05%
                                               7               <100k       2.70% No         2.70%
                                               7               >100k       2.90% No         2.90%
Genworth Financial   Smart Rate SPDA           1      1.50% <50K           2.10% N0         2.10% 0-85 0-85                      $5,000 NQ     A
*7,7,7,6,5,4,3                                        Yrs 1-7 50-99        2.85% No         2.85%                                 $2,000 Q
                                                              100K+        3.60% No         3.60%
                                               3              <50K         1.90% No         1.90%
                                                              50-99        2.30% No         2.30%
                                                              100K+        2.70% No         2.70%
                                               5              <50K         1.80% No         1.80%
                                                              50-99        2.15% No         2.15%
                                                              100K+        2.35% No         2.35%
Lincoln Financial    Classic 7                 1      2.00% <100K          2.25% 2.00% 4.25% 0-85 0-85                           $10,000 Q A+
*7,6,5,4,3,2,1                                        Yrs 1-7 >100         2.25% 3.00% 5.25%                                    $10,000 NQ
Mass Mutual          Odyssey Select            2      2.00%                3.30% Yr 1 / 2.30% Yr 2                                $4,000 Q A++
*8,8,7,6,5,4,3,                                                                                                                  $10,000 Q
National Integrity   SPDA Series II           1       1.50%                3.30% No        3.30% 0-85 0-85                        $3.000 Q A++
                     *7,7,7,6,5,4,3,          3       1.50%                3.20% Yr 1 / 2.20% Yr2-3                              $3,000 NQ
                                              5       1.50%                2.60% No        2.60%
                     Momentum Adv.            7       1.50%                3.75% Yr 1 / 3.00% Yrs 2-7                                         A++
                     *7,6,5,4,3,2,1,          10      1.50%                4.10% Yr 1 / 3.35% Yrs 2-10




                                                                                Important Notice
                                                        This "Rate Sheet" contains a very brief outline of product features.
                                       For complete product formation"click" on "Brochures" Not FDIC or insured by any federal gov't agency                  2 of 6 Pages
                                                                                 New York Fixed Annuities
                                                                        445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                               Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                Updated : February 23, 2011
Company              Product           Years           Min    Amt           Base Bonus Current Issue Age     Minimum                          AM     Notes
                                        GTD           Guar Inv.             Rate Rate Rate Qual Non Q Purchase                                Best
National Integrity                  QIO 1             1.50%                4.25% No         4.25% 0-85 0-85  $5,000 NQ                        A++
                     New Momentum        2            1.50%                2.25% Yr 1 / 1.50% Yr 2            $2,000 Q
                     FPDA                3            1.50%                2.25% Yr 1 / 1.50% Yr 2-3
                                         5            1.50%                2.45% Yr 1 / 1.70% Yr 2-5
                                         6            1.50%                2.90% Yr 1 / 2.15% Yr 2-6
                                         7            1.50%                3.40% Yr 1 / 2.65% Yr 2-7
                                         10           1.50%                3.70% Yr 1 / 2.95% Yr 2-10
New York Life        Secure Term Fix     7            1.00% 5<25K          2.00% No         2.00% 18-90 0-90  $5,000 Q                        A++
                     *7,7,7,6,5,4,3                             25<50k     2.25% No         2.25%            $5,000 NQ
                                                                <100K      2.60% No         2.60%
                                                                100K+      2.85% No         2.85%
                     Preferred Fixed           1      1.00% 5<25k          1.50% 0.50% 2.00%
                     *7,7,7,7,6,5,4,                            25<50k     1.50% 0.50% 2.00%
                                                                <100K      1.55% 0.50% 2.05%
                                                                100K+      1.60% 0.50% 2.10%
                                               3      1.00% 5<25k          1.60% No         1.60%
                                                                25<50k     2.25% No         2.25%
                                                                <100K      2.60% No         2.60%
                                                                100K+      2.75% No         2.75%
                     Optimal Fixed             1      1.00% 5<25k          1.50% No         1.50%
                     *7,7,7,6,5,4,3                             25<50k     1.50% No         1.50%
                                                                <100K      1.55% No         1.55%
                                                                100K+      1.60% No         1.60%
                                               3      1.00% 5<25k          1.55% No         1.55%
                                                                25<50k     2.15% No         2.15%
                                                                <100K      2.50% No         2.50%
                                                                100K+      2.65% No         2.65%
Penn Mutual          FPDA                      1      1.00% <500K          1.45% 1.00% 2.45% 0-85 0-85        $5,000 Q                        A+
                     *9,8,7,6,5,4,3,                        >500K          1.45% 2.00% 3.45%                 $5,000 NQ



                                                                                Important Notice
                                                        This "Rate Sheet" contains a very brief outline of product features.
                                       For complete product formation"click" on "Brochures" Not FDIC or insured by any federal gov't agency                  3 of 6 Pages
                                                                                                        New York Fixed Annuities
                                                                                              445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                                     Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                                       Updated : February 23, 2011
Company                            Product                       Years Min    Amt                  Base Bonus Current Issue Age Minimum                                        AM                         Notes
                                                                 GTD Guar Inv.                     Rate Rate Rate Qual Non Q Purchase                                          Best
Security Mutual                    SPDA 7                          1   1.00% <25K                 2.00% No     2.00% 0-85 0-85                                                  A
                                   *9,9,9,8,7,6,5                            >25K                 2.00% No     2.00%             $5,000 Q
                                                                   3         <25K                 2.00% No     2.00%            $5,000 NQ
                                                                             >25K                 2.00% No     2.00%
                                                                                         6 Year Surrender Charge*
First United American              Flexible Premium                 1      3.00%                  3.00%        No         3.00%        NA     0-85        20K Maximum           A+
                                   *7,7,7,6,5,4
Genworth                           Advantage Pro                    1      1.25% 15-99K 2.95%                  No         2.95% 0-85 0-85                    15,000              A
                                   *7,7,7,6,6,5,                                 100-249K 3.95%                No         3.95%                             Q and NQ
                                                                                  >250K 4.70%                  No         4.70%
                                                                    3      1.25% 15-99K 2.80%                  No         2.80%
                                                                                 100-249k 3.40%                No         3.40%
           Bailout Rate:                                                          >250K 3.60%                  No         3.60%
        1 Yr period = 2.45%                                         5      1.25% 15-99K 2.65%                  No         2.65%
        3 Yr period = 2.30%                                                      100-249k 3.05%                No         3.05%
        5 Yr period = 2.15%                                                       >250K 3.20%                  No         3.20%
     Bailout Provision:       If the renewal rate after the initial guarantee period is less than the bailout, rate surrender charges will not apply to amounts withdrawn during 1st 45 days of the contract yr.
New York Life                      Fixed                            1       1.00% 5<25k           1.50%      0.50%        2.00% 18-85 0-90                                     A++
                                   *7,7,7,6,5,4,                                      25<50k      1.50%      0.50%        2.00%                              $5,000 Q
                                                                                      <100K       1.50%      0.50%        2.00%                             $5,000 NQ
                                                                                      100K+       1.50%      0.50%        2.00%
                                                                    3       1.00% 5<25k           1.50%        No         1.50%
                                                                                      25<50k      1.90%        No         1.90%
                                                                                      <100K       2.25%        No         2.25%
                                                                                      100K+       2.40%        No         2.40%
                                   Secure Term Fixed                6      1.00% 5<25k            1.85%        No         1.85%
                                   *7,7,7,6,5,4                                       25<50k      2.10%        No         2.10%
                                                                                      <100K       2.50%        No         2.50%
                                                                                      100K+       2.75%        No         2.75%
Presidential Life                  Secure 6                         6      1.10%                  2.55%        No         2.55% 0-85 0-85                     $5,000            B+
                                   *7,7,7,6,5,4,
                                                                                                    Important Notice
                                                                            This "Rate Sheet" contains a very brief outline of product features.
                                                           For complete product formation"click" on "Brochures" Not FDIC or insured by any federal gov't agency                                                    4 of 6 Pages
                                                                                               New York Fixed Annuities
                                                                                      445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                            Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                              Updated : February 23, 2011
Company                        Product                    Years Min             Amt       Base Bonus Current Issue Age                         Minimum           AM                   Notes
                                                          GTD Guar              Inv.      Rate Rate Rate Qual Non Q                            Purchase          Best
                                                                                5 Year Surrender Charge*
First SunAmerica               Flex 5 FSA                    1     1.00% <100k           2.60%     1.50%       4.10%      0-70 0-85             $5,000 Q           A
                               *9,8,7,6,5,                                 >100k         2.60%     2.50%       5.10%                           $5,000 NQ
                                                             3     1.00% <100K           2.40%     0.70%       3.10%
                                                                           >100k         2.40%     1.00%       3.40%
                                                             5     1.00% <100K           2.40%       No        2.40%
                                                                           >100k         2.60%       No        2.60%
                               Security Builder 5            1     1.00% <100k           1.95%     3.00%       4.95%      0-70 0-85            $10,000 Q  A
                               *7,7,6,5,3                                  >100k         1.95%     4.00%       5.95%                          $10,000 NQ
Lincoln Financial              Classic 5                     1     2.00% <100K           2.25%     1.00%       3.25%      0-85 0-85            $10,000 Q A+
                               *7,6,5,4,3                          Yrs 1-5 >100k         2.25%     2.00%       4.25%                          $10,000 NQ
New York Life                  Secure Term Fixed             5     1.00% 5<25k           1.75%       No        1.75%     18-90 0-90             $5,000   A++
                               *7,7,7,6,5                                     25<50k     2.00%       No        2.00%                           $5,000 NQ
                                                                              <100K      2.25%       No        2.25%
                                                                              100K+      2.50%       No        2.50%
Presidential Life          SPDA Secure 5                     5      1.10%                2.65%       No        2.65%      0-85 0-85              $5,000           B+
                           *7,7,6,6,4                                                                                                          $5,000 NQ
Security Mutual            SPDA 5 & 5                        5      1.00% <25K           2.00%        No       2.00% 0-85 0-85                  $5,000 Q           A
                           *7,7,7,6,5                               1.00% >25K                                                                 $5,000 NQ
Valic                      Proflex    403b                   1      1.00%                2.50% 2.50%           5.00% 0-70 0-85                  $2,000 Q           A
*5,5,5,5,5                               IRA                 1                           2.25% 2.65%           4.90%                           $2,000 N Q
Note: Base Rate Guar 2 Yrs       NonQual                     1                           2.25% 2.50%           4.75%
                                                                                 4 Year Surrender Charge
Presidential                   SPDA Secure 4                 4      1.10%                2.15%        No       2.15% 0-85 0-85                   $5,000           B+
                               *7,6,6,4
Notes:
American Equity Invesy LI NY   Free Withdrawal: 10% of contract value annually starting in year 2. Systematic Withdrawals: interest only and RMD available 30 days after issue.
First United American          Maximum premium is $20,000 per contract per person/year. NQ only Free Withdrawla 10% of cash value. Withdrawls during the first yr is interest only.
First SunAmerica               Free Withdrawal: After 30 days 15% of the annuity value. Withdrawl is cummulative to 20%. If the previous withdrawal was lass than 15%, of the
                               remaining available withdrawal can be carried over to the next year (max 20%). 90 day rate lock for 1035 transfers.
                               5 year rate guarantee: Beginning the 6th policy year, the rate will declared annually
                               7 year rate guarantee: Beginning the 8th policy year the rate will be declared annually.

                                                                                             Important Notice
                                                                     This "Rate Sheet" contains a very brief outline of product features.
                                                    For complete product formation"click" on "Brochures" Not FDIC or insured by any federal gov't agency                                      5 of 6 Pages
                                                                                     New York Fixed Annuities
                                                                            445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                   Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                     Updated : February 23, 2011
Company              Product                    Years Min             Amt        Base Bonus Current Issue Age                          Minimum          AM                     Notes
                                                GTD Guar              Inv.       Rate Rate Rate Qual Non Q                             Purchase         Best
Genworth Financial   Free Withdrawal: 10% of contract valueduring a contract year. Medical care/Nursing Home Waiver is available. Minimum guaranteed interest rate
                     will renew annually after the specified period based upon state guidelines and will be between 1% and 3%
Jackson National     Free Withdrawal: 10% of accummulated value each contract year. Once the initial guarantee ends rates will be set on a year to year basis
Lincoln Financial    Free Withdrawal: Beginning first year 10% of contract value per year.
Mass Mutual          Free Withdrawal: 1st Contract Year- 10% of contract value. Year 2 and later: 10% of contract value as of the last business day of the previous contract
                     year. Surrender charge calculated from the date of the initial deposit.
National Integrity   Free Withdrawal: 10% annually. QIO: Quarterly Interest Option. Rolling Surrender charges MVA
New York Life        Free Withdrawal: Fixed, Secured Fixed and Preferred Fixed = 10% Window - the greater of up to 10% of policy's cash value on the preceeding anniversary
                     or 10% of current cash value less any current year withdrawal
                     Free Withdrawal: Optimal Fixed:
                     15% window = 15% of the policy's cash value as of the previous anniversary or 15% of the current cash value less any current yr withdrawals
                     or the Gain Window
                     20% window + 20 % of the policy's cash value as of the previous anniversary or 20% of the current cash value or the Gain Window,
                     Gain Window = Equals the greater of the cash value as of the previous anniversary less your premium payment or current cash value less your
                     premium payment.
Penn Mutual          Free Withdrawal: 10% after the first policy year. No Roth IRAs. Renewal Rates particpate in new money rates. 60day rate lock for Reg 60
Presidential Life    Free Withdrawal: 10% annually. 90 day rate lock for Reg 60 45 day rate lock for all other transfers. No MVA
Security Mutual      Free Withdrawal: 5% in year 1. 2nd year 10% of previous years accummulation value.
The Hartford         Early withdrawals subject toMVA and surrender charges. Access to Cash: interest credited the previous 12 months. 100% liquidty at maturity-no surrender
                     charges or intere4st adjustment will apply provided a written request is received within 30 days of the preceeding maturity date.
Valic                After the second policy year, multiple withdrawals of up tro 10% of the previous annuity value can be withdrawn free of withdrawal charges.




                                                                                    Important Notice
                                                            This "Rate Sheet" contains a very brief outline of product features.
                                           For complete product formation"click" on "Brochures" Not FDIC or insured by any federal gov't agency                                        6 of 6 Pages

				
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posted:11/4/2011
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