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Sheet1 - The Annuity Depot

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Sheet1 - The Annuity Depot Powered By Docstoc
					                                                                                   New York Fixed Annuities
                                                                          445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                 Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                    Updated : September 1st 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      1.00%        1.60% 1.00%                    2.60%      0-85      0-85      $10,000 NQ A+
*9,8,7,6,5,4,3,2,1    NY Action 200               1                   1.85% 2.00%                    3.85%      0-85      0-85       $2,000 Q  A+
Mass Mutual           Odyssey Select              2      1.00%  Yr1 - 1.10% 1.00%                    2.10%      0-84                $10,000 NQ A++
*8,8,7,6,5,4,3,2,1                                                          Year 2                   1.10%                           $4,000 Q
The Hartford          Saver Certainty            10            <100k                                 1.05%      0-85      0-85        $5,000    A
*8,8,7,6,5,4,3,2,1                                             >100k                                 1.10%
                                                  7            <100k                                 1.10%
                                                               >100k                                 1.20%
                                                  5            <100k                                 1.00%
                                                               >100k                                 1.05%
                                                  3            <100k                                 1.00%
                                                               >100k                                 1.00%
                      Saver Max                  10            <100k                                 2.20%
                                                               >100k                                 2.30%
                                                  7            <100k                                 1.60%
                                                               >100k                                 2.20%
                                                  5            <100k                                 1.25%
                                                               >100k                                 1.70%
                                                  3            <100k                                 1.00%
                                                               >100k                                 1.00%

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 5 Pages
                                                                                  New York Fixed Annuities
                                                                         445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                   Updated : September 1st 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                  3     1.00% <100k           1.00% 0.50% 1.50% 0-70                    0-85          $5,000 Q    A
*9,8,7,6,5,4,2                                   3              >100k        1.00% 0.80% 1.80%                                      $5,000 NQ
                                                 5              <100k        1.10% No        1.10%
                                                 5              >100k        1.30% No        1.30%
                                                 7              <100k        1.00% No        1.00%
                                                 7              >100k        1.20% No        1.20%
Genworth Financial   Smart Rate SPDA             1     1.50% <50K            2.30% N0        2.30% 0-85                0-85         $5,000 NQ    A
*7,7,7,6,5,4,3                                         Yrs 1-7 50-99         3.05% No        3.05%                                   $2,000 Q
                                                               100K+         3.80% No        3.80%
                                                 3             <50K          1.65% No        1.65%
                                                               50-99         2.05% No        2.05%
                                                               100K+         2.45% No        2.45%
                                                 5             <50K          1.65% No        1.65%
                                                               50-99         2.00% No        2.00%
                                                               100K+         2.20% No        2.20%
Lincoln (SPDA)       My Guarantee Plus          10             <100K         2.55%           2.55% 0-85                0-85          $10,000    A+
                     *7,7,6,5,4,3,2                            >100          2.70%           2.70%
                     My Guarantee Plus           9             <100K         2.55%           2.55% 0-85                0-85          $10,000    A+
                     *7,7,6,5,4,3,2                            >100          2.70%           2.70%
                     My Guarantee Plus           8             <100K         2.45%           2.45% 0-85                0-85          $10,000    A+
                     *7,7,6,5,4,3,2                            >100          2.60%           2.60%
                     My Guarantee Plus           7             <100K         2.40%           2.40% 0-85                0-85          $10,000    A+
                     *7,7,6,5,4,3,2                            >100          2.55%           2.55%
Mass Mutual          Odyssey Select              2     1.00%      Yr 1       1.00% 1.00% 2.00% 0-84                                  $4,000 Q   A++
*8,8,7,6,5,4,3,                                                                     Year 2 1.00%                                    $10,000 Q
National Integrity   SPDA Series II             1       1.50%                2.50% No        2.50% 0-85                0-85          $3.000 Q   A++
                     *7,7,7,6,5,4,3,            3       1.50%                2.40% Yr 1 / 1.40% Yr2-3                               $3,000 NQ
                                                5       1.50%                1.80% No        1.80%
                     Momentum Adv.              7       1.50%                2.95% Yr 1 / 2.20% Yrs 2-7                                         A++
                     *7,6,5,4,3,2,1,            10      1.50%                3.30% Yr 1 / 2.55% 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 5 Pages
                                                                                     New York Fixed Annuities
                                                                            445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                   Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                      Updated : September 1st 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
National Integrity                  QIO            1       1.50%                4.00% No         4.00% 0-85 0-85                       $5,000 NQ   A++
                        New Momentum               2       1.50%                1.75% Yr 1 / 1.00% Yr 2                                 $2,000 Q
                        FPDA                       3       1.50%                1.75% Yr 1 / 1.00% Yr 2-3
                                                   5       1.50%                1.85% Yr 1 / 1.10% Yr 2-5
                                                   6       1.50%                2.10% Yr 1 / 1.35% Yr 2-6
                                                   7       1.50%                2.60% Yr 1 / 1.85% Yr 2-7
                                                   10      1.50%                2.95% Yr 1 / 2.20% Yr 2-10
New York Life           Secure Term Fix            7       1.00% 5<25K          1.05% No         1.05% 18-90 0-90                       $5,000 Q   A++
                        *7,7,7,6,5,4,3                              25<50k      1.10% No         1.10%                                 $5,000 NQ
                                                                    <100K       1.25% No         1.25%
                                                                    100K+       1.45% No         1.45%
Penn Mutual             FPDA                        1      1.00% <500K          1.00% 0.50% 1.50%          0-85.5                       $5,000 Q   A+
                        *9,8,7,6,5,4,3,                          >500K          1.00% 0.50% 1.50%                                      $5,000 NQ
Security Mutual         SPDA 7                      1      1.00% <25K           1.65% No         1.65% 0-85 0-85                                    A
                        *9,9,9,8,7,6,5                           >25K           1.90% No         1.90%                                  $5,000 Q
                                                    3            <25K           1.65% No         1.65%                                 $5,000 NQ
                                                                 >25K           1.90% No         1.90%
                                                                       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
Lincoln (SPDA)          My Guarantee Plus           6               <100K 2.00%                        2.00% 0-85 0-85                  $10,000    A+
                        *7,7,6,5,4,3                                >100k 2.15%                        2.15%
New York Life           Secure Term Fixed           6      1.00% 5k -25k 1.00%               No        1.00% 18-90 0-90                 $5,000     A++
                        *7,7,7,6,5,4                             25k-50k 1.05%                         1.05%                           Q and NQ
                                                                 50k-100k 1.10%                        1.10%
                                                                 100k +   1.30%                        1.30%
Presidential Life       Secure 6                    6      1.10%          1.90%              No        1.90% 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                    3 of 5 Pages
                                                                                                New York Fixed Annuities
                                                                                       445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                              Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                                 Updated : September 1st 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                      3     1.00% <100K            1.00%     0.30%       1.30%      0-70 0-85             $5,000 Q           A
                               *9,8,7,6,5,                                 >100k            1.00%     0.60%       1.60%                           $5,000 NQ
                                                               5     1.00% <100K            1.00%       No        1.00%
                                                                           >100k            1.20%       No        1.20%
                               Security Builder 5              1     1.00% <100k            1.00%     1.50%       2.50%      0-70 0-85            $10,000 Q           A
                               *7,7,6,5,3                                  >100k            1.00%     2.50%       3.50%                          $10,000 NQ
Lincoln (SPDA)                 My Guarantee Plus               5           <100K            1.70%                 1.70%      0-85 0-85             $10,000           A+
                               *7,7,6,5,4                                  >100k            1.85%                 1.85%
New York Life                  Secure Term Fixed               5     1.00% 5<25k            1.00%       No        1.00%     18-90 0-90             $5,000           A++
                               *7,7,7,6,5                                      25<50k       1.00%       No        1.00%                           $5,000 NQ
                                                                               <100K        1.05%       No        1.05%
                                                                               100K+        1.10%       No        1.10%
Presidential Life              SPDA Secure 5                   5     1.10%                  2.00%       No        2.00%      0-85 0-85             $5,000            B+
                               *7,7,6,6,4                                                                                                        $5,000 NQ
Security Mutual                SPDA 5 & 5                      5     1.00% <25K             1.65% No              1.65% 0-85 0-85                 $5,000 Q            A
                               *7,7,7,6,5                            1.00% >25K             1.90% No              1.90%                          $5,000 NQ
Valic                          Proflex    403b                 1     1.00%                  2.00% 2.50%           4.50% 0-70 0-85                 $2,000 Q            A
*5,5,5,5,5                                    IRA              1                            1.50% 2.65%           4.15%                          $2,000 N Q
Note: Base Rate Guar 2 Yrs     NonQual                         1                            1.50% 2.50%           4.00%

                                                                                   4 Year Surrender Charge
Presidential                   SPDA Secure 4                   4     1.10%                  1.55%       No        1.55% 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.
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%
                                                                                             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 5 Pages
                                                                                       New York Fixed Annuities
                                                                             445 Broadhollow Rd / Suite 400 / Melville, NY 11747
                                                                                    Phone: 631- 270-7377 / Fax: 631- 980-7770
                                                                                       Updated : September 1st 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
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                                        5 of 5 Pages

				
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