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Bonus Annuities:

• Quick accumulation of tax deferred earnings with bonus.
• Safety of Principal
• Access to account with free withdrawals and policy loans.
• Quick recovery of stock market losses

Bonus Annuity offerings :

Allianz (Bonus Maxxx) Elite annuity

Guaranteed first year yield is 13.58% or 8.67% depending on initial investment. 

Surrender charge is eliminated if held for 5 years and annuitized for 10 years. Free withdrawals of 15% of premiums paid. Minimum investment of $1000. Minimum guaranteed rate of interest is 3%.The BonusMaxx provides one of the highest guaranteed  first year yields in the industry.

Allianz (Masterdex ) annuity series

Guaranteed first year yield of 13.85% or 7.1% depending on plan chosen

Investment options with this series include the S&P500 index, NASDAQ 100 and a fixed interest account currently at 3%.

Masterdex 5 annuity adds a 5% premium bonus for five years with a ten year walk-away option. Monthly maximum cap is currently 2.3%.

Masterdex10 annuity is currently offering a 10% premium bonus for five years . Monthly maximum cap is currently 2.7%.

Allianz (FlexDex MultiChoice) Elite annuity

Guaranteed first year yield of 7.89% or 5.83% depending on initial investment.

This bonus annuity provides bonuses of 3% to 5% depending on the size of the initial investment. It offers three account choices including the S&P500 index, the NASDAQ 100 index and a fixed account option currently at 3.5%. There are two interest crediting methods. The crediting methods are 100% monthly average, annual reset and 55% point to point capped at 8%. This annuity currently has no asset fees. The minimum interest rate guarantee is 3% on 75% of premiums. Interest only withdrawals are available up to 5% per year and 25% cumulative during the first five years. The minimum initial investment for qualified accounts is $2000 and $5000 for regular accounts. The surrender period is twelve years starting at 15% on 105% of the deposit.

Allianz BonusDex Elite annuity

Guaranteed first year yield of 13.3 or 8.15% depending on initial investment.

This annuity provides a bonus of 5% to 10% depending on the size of the initial investment for the first five years. Three account choices including the NASDAQ100, S&P 500 and a fixed interest rate option at 3.5%. Minimum interest rate guarantee is 2%. The product provides 100% participation with no fees or asset charges. Minimum interest rate guarantee is 3% on 75% or premiums paid.

Allianz Premierdex 5 annuity

Guaranteed first year yield of  7%.

A guaranteed premium bonus of 5% on all premiums added during the first five years. This is a ten year annuity with flexible premiums for five years. Minimal initial investment is $25,000. There are no asset fees or charges ever. The participation rate is 100% while the policy is in deferral up to an established monthly cap. Asset allocation options include the S&P500, the NASDAQ100 and a fixed interest account. The index type is monthly point to point with a high water feature. Free withdrawals are available following the first year or 12 months after additional premium has been added, ten percent (10%) of premium annually up to 100% of total premiums paid. Policy loans are available up to 50% of the cash surrender value up to a maximum of $50,000. The monthly cap is currently 3.8%.

American General (Ultra MYG) annuity

There is a 3% guarantee for six years. Free withdrawals of 10% per year after the first year. Surrender charges are 8 years @ 9,8,7,6,5,4,3,2. The minimum guaranteed interest rate is 3%. The minimum initial investment is $5000.

Amerus Life (Multi Choice) annuity 

 Currently offers a 4% premium bonus. 100% participation. S&P500 monthly average and S&P500 point to point average. The Amerus bonus annuity has excellent liquidity. It provides free withdrawals of 10% after year one, systematic monthly interest. and  Checkbook access with the policy. Surrender charge  10yr:10%,10,9,9,8,7,6,5.6,2. Minimum initial investment is $5000. Minimum guaranteed rate is 3%.

Midland (Legacy Bonus 11) annuity

Point to point and daily average strategies available. Annual point to point capped at 10%. Daily average fees: S&P500, DJIA is 2.3%. S&P400 is 2.75% and Russell 2000 is 3.25%. Annual point to point fees are 2% for the S&P500 and DJIA . NASDAQ 100 is 2.35%, S&P400 is 2.15% and the Russell 2000 is 2.25%. The fixed interest account is currently  3.25%. 

Bonus annuities that provide for interest linked to an index offer additional upside potential without risk to principal. Bonus annuities have gained in popularity over  traditional  annuities in recent years. When considering the purchase of a bonus annuity please pay particular attention to rates, terms, guarantees and your risk tolerance. A few very common instances where bonus annuities make sense are when you want to recover stock market losses, have a 401k rollover and or have an inheritance or a structured settlement. The larger the initial investment, the larger the bonus will be credited to the account.

  Rates and terms on all life and annuity products are subject to change at anytime without prior notice. All products are not available in all states. Please feel free to contact us for further details and information.