Annuities based on your retirement savings wants, needs and fit come in all sizes and you need an insurance agent to tailor fit a retirement solution and savings plan for growth. Contact Connie Dello Buono, Insurance Broker, CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com to be your advocate for your retirement savings goals and plan with health threats and retirement threats protection. “I sell money for future delivery” quote from Robert D, insurance agent.
If you are a newly licensed Life and Health agent, contact Connie for training and higher commission level.
| Carrier | Product & Features | Roll Up | Premium Bonus | Death Benefit | Rating | FMO Bonus | Surrender |
| North American | Charter 14 bonus for 7 yrs deposits, 3 income rider choice, min prem 2kQ flexible, cost .95% | 5.5% for life/6.75% for 10/ 6.25% for 20 | 10.00% | Full accumulation value | A+ | $275/100k | 14 |
| Great American | Safe Return, ROP, Bailout cap, cost.85/.75/1.25 start age 55 | 10%/7yrs Income -9%/10yrs DB -8%/12yrs | 8% rider income value 5 yrs pay | A+ | $275/100k | 10 | |
| NWL | Ultra Feature with competitive early income payouts, min $2kQ cost .75% start age 60 | 4% compounding | 14.00% | Full accumulation value | A | $500/100k | 15 |
| Allianz | Endurance Plus, 105% participation, no fee | 20.00% | Enhance value paid over 5 yrs | AA | $500/100k | 10 | |
| Allianz | Masterdex X , 5% premium bonus, 8% simple interest forever , cost .75% | 8% simple interest till age 90 | 5.00% | Full accumulation value | AA | $500/100k | 10 |
| Aviva | Income Preferred Bonus, min $5k flexible, with income rider, cost .75% | 4% or 1% some state | Full accumulation value | A | $500/100k | 10 | |
| American Equity | Bonus Gold 5K Min, 4% is a free rider | 4%/6.50%-20yrs/7%-10yrs | 10.00% | AV or DBV in a lump sum | A- | $500/100k | 16 |
| EquiTrust | Market 12 Bonus, rider cost .75% based on AV deducted out of AV income start age 50 | 6.50% compounding up to 15 yrs | 12% spread over 4 yrs | Full accumulation value | BBB+ | $500/100k | 14 |
| Athene | Benefit 10 income with LTC and Death Benefit rider, cost 1.40% issue age 30 | 8% for 10 yrs. 5% yr 11 simple up to age 85 | 6% on AV | Income rider paid over 5 yrs | B++ | $275/100k | 10 |
| Phoenix Life | Personal Protection Care or Income Annuity, with LTC and Death Benefit rider, cost 1.15% | 14% 10 yrs. Then 3% simple up to 10 yrs | only for early income | 5%/10% roll up lump sum | B+ | $500/100k | 10 |
| F&G | Prosperity Elite 7/10/14 Death Benefit rider cost 1.10% | Compounding 7% for 10 yrs | 8% on AV | Income pays over 5 yrs to bene | B++ | $500/100k | 14 |
| Oxford Life | Royal Select 8% bonus Single premium with income rider fee .75% | Compounding 6.50% for 10 yrs | 8.00% | Full accumulation value | A- | 10 | |
| Legacy/F&G | AdvanceMark Ultra 14 Single premium with built in income rider fee .70% | Compounding 7% for 10 yrs w/restart option | 10% on AV | Full accumulation value | B+ | $500/100k | 14 |
| Legacy/F&G | LegendMark flex premium with opt income rider fee .70% | Compounding 5% for 10 yrs | 10% on AV | Full accumulation value | B+ | $500/100k | 14 |
| F&G | Simplicity Elite 7/10/14 Income & Dbl ltc rider cost 1.25% | Simple 10% for 10 yrs | 7% on AV | Full accumulation value | B++ | 14 | |
| Sentinel Security Life | Summit Bonus Index Single premium wit optional income rider, Fee 1.05% | Compounding 7% for 20 yrs | 9% FL & NC/6.5% UT | Full accumulation value |