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Equity Indexed Annuities:

Equity Indexed annuities provide the same upside potential offered by variable annuities, while providing built in guarantees similar to traditional fixed rate annuities. Participation in the market, with guarantees to principal have created a great deal of interest in these annuities over the past several years. Equity Indexed annuities differ in design in their caps, participation rates and in the indices that are available. 

• Maximize your earning potential without the stock market risk
• Safety of Principal
• Those seeking a long term growth opportunity without risk to principal or previously credited interest.
• Diversification and asset allocation between different indices

Equity Indexed Annuities 

Allianz Masterdex annuity

First year guaranteed yields of 13% and 7.25% depending on plan chosen.

 Investment options with this series include the S&P500 index, NASDAQ 100 and a fixed interest account. Fixed interest accounts between 2.25% and 3%.

Masterdex annuity is a seven year walk-away product offering 10% annual free withdrawals -up to 50% lifetime. Monthly point to point indexing with annual growth based on monthly caps currently 2.5%

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

Masterdex10 annuity is currently offering a guaranteed 10% premium bonus for five years . The monthly cap is currently 2.7%.

Allianz Premierdex annuity

 This annuity is a seven year annuity with flexible premiums for three 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 3.7%.

Allianz Premierdex 5 annuity

Guaranteed first year yield of 7.25%.

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 3.7%.

Allianz Bonusdex Elite annuity

Guaranteed first year yield of 13.58% or 8.41% depending on initial investment.

This equity indexed annuity is a flexible premium deferred annuity.  It provides a guaranteed premium bonus of 10% on all premiums paid during the first five years. It offers 100% participation, monthly point to point averaging and a 10% cap. Asset allocation choices include the S&P500, NASDAQ100 and a fixed interest account. Free withdrawals after the first year of 5% annually up to 25% of premiums paid. Payout options include after five years take a ten year payout or interest only.

Allianz Bonus Powerdex Elite annuity

Guaranteed first year yield of 13.3% or 7.25% depending on plan chosen.

Offers 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 3.25%. 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. This equity indexed annuity is an excellent choice for those interested in recovering stock market losses or those interested in completing a retirement plan rollover. The annual point to point cap is currently 9%.

Allianz (FlexDex MultiChoice) Elite annuity

Guaranteed first year yield of either 8.15% or 6.09%. 

This equity  annuity offers a guaranteed premium bonus of 3% or 5% depending on 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%. 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.

American Investors (Select Edge Plus) annuity

100 % Guaranteed participation rate. Two crediting methods available. Caps at 11% and 13%. Asset fee is 3.5% on one year strategy. Merrill Lynch Bond Index with point to point. Fixed account interest 3%. Minimum guarantee of 75% of 1st. year premium @ 3%, 88% of 2+ years premium @ 3% less any withdrawals. Free withdrawals of 10% remaining premium beginning in year two. Surrender charge is 14 years @ 14,14,13,12,11,11,10,9,8,7,6,5,4,3. Minimum initial investment is $5000(NQ) $2000(Q). 

American Investors(Premier Edge) annuity

Point to Point two year strategy capped at 13%. No asset charges. Fixed account at 3%. Six year surrender period at 10,9,8,7,6,4,0.

American Investors(Liberty Select)

Point to Point two year strategy capped at 13%. No asset charges. Fixed interest account at 3%. Surrender period is 10 years at12,12,12,11,10,9,8,7,6,4,0.

Amerus Life (Multi Choice) annuity 

 Currently offers a 4% premium bonus. 100% participation. S&P500 monthly average and S&P500 point to point average. Free withdrawals of 10% after year one. Systematic monthly interest. Amerus equity indexed annuity provides check book access for liquidity and convenience. Surrender charge  10yr:10%,10,9,9,8,7,6,5.6,2. Minimum initial investment is $5000. Minimum guaranteed rate is 3%.

F&G (Power Select) annuity 

 Four accounts to chose from make this equity indexed annuity popular in its design. Index accounts are 100% participation and 0% fees. Nasdaq(11% cap) Dow(12%cap) S&P500(12%cap) fixed acct. 4.5%. Free withdrawals 10% of accumulated value 4 times a year. Surrender charge 9 yrs:9%,9,8,7,3,5,4,3,2,1. Minimum initial investment is $5000. Minimum guaranteed rate is 3%.

Fidelity and Guarantee Life (Index Rewards) annuity

Point to point strategy on the DJIA and S&P500 capped at 9.5%. Monthly average capped at 11.5%. Fixed interest account at 3.75%.

Fidelity and Guarantee Life (Loyalty Rewards) annuity

Point to Point strategy for the DJIA and S&P500 capped at 9%. Monthly average capped at 9.5%. Fixed account at 3%. This equity indexed annuity also provides a 12% Account Value Escalator: On the first year premium paid 1% credited per year over 12 years. 12 year surrender period at 15,15,15,15,1514,12,10,8,6,4,2.

ING (Secure Index) annuity

ING Secure Equity Index annuity offers three growth strategies, annual point to point design and strong guarantees. 

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 S&P500 and DJIA 2%. 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%. 

Standard Life/Indiana (Twindex) annuity

 50/50 split between Dow Jones Industrial average and the S&P500 index. 100% current participation. No cap and no asset fee. Free withdrawals of 10% of accumulated value after year one. Surrender charge 9yr:10%,10,10,9,8,7,6,4,2. Minimum initial investment $5000(Q),$2000(NQ). Minimum guaranteed rate is 3%.

Standard life Indiana (Equity Master Plus) annuity

100% guaranteed all years, monthly average, annual reset, 3% asset fee, 16% cap ability to switch to fixed interest annually. Free withdrawals of 10% of accumulated value after year one. Surrender charge 10 yr:12% level. Minimum initial investment is $5000(Q) $2000(NQ). Minimum guaranteed rate is 3%. 

Equity Indexed Annuity Summary:

• Equity indexed annuities with a bonus provide additional guaranteed growth potential.
• Choice, control and flexibility with different interest crediting methods.
• Several equity indexed annuity policies previously mentioned provide liquidity through systematic withdrawals of interest, loans and check book access.

  Rates and terms on 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.