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BrokerageTREELast Updated10/22/19TRADITIONAL FIXEDAnnuity Product Reference GuideOctober2019OPEN HERE!Your potential annuitysales await!Watch your annuity sales climb with theseMulti-year GUARANTEE Rates!3-YEAR2.60%( 250,000 )2.50%(Under 250,000)5-YEAR3.10%( 250,000 )3.00%(Under 250,000)Check out thesefeatures fromPreserve MYG Rate GuaranteeMatches SurrenderPeriod Death Benefit EqualsAccumulation Value Accumulated InterestWithdrawals Available Issue ages 0-90 RMD is available duringthe first contract yearwith no penalty Free 10% After Year 18-YEARInterest rate shown is as of 10/01/2019, is subject to change and may varyin accord with state regulations. Preserve Annuities are issued by and areobligations of Guggenheim Life and Annuity Company, home office at 401Pennsylvania Pkwy., Suite 300, Indianapolis, Indiana 46280. Annuity productsare not insured by the FDIC. Annuity contracts contain charges andlimitations. Preserve annuities have varying surrender charge periods withsubstantial penalties for early withdrawal, and may be subject to a marketvalue adjustment. Preserve annuities and/or certain optional features ofsuch annuities may not be available in all states. Guggenheim Life andAnnuity Company is not licensed in New Jersey and New York. The contractis issued on form numbers GLA-MYGA-01 or variations of such. 041301A3.25%( 250,000 )3.15%(Under 250,000)Call us for moredetails!Contact us Today!www.oaktreeus.comChris Simpson, csimpson@otfc.comEarl Reynolds, ereynolds@otfc.comDarrell Mullins, dmullins@otfc.comJohn van de Pol, jvandepol@otfc.com(toll-free) 888-591-1341(local) 276-591-1341(fax) 276-591-1344(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.
Table of Contents - Company Overviews3MULTI-YEAR GUARANTEES5AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 221-12345AMERICAN GENERAL LIFE COMPANIES*Policies issued by American General Life and United States Life (NY only)A.M. Best Rating* A (excellent) (888) 438-69336AMERICAN NATIONAL INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 835-53207ATHENE ANNUITY & LIFE ASSURANCE COMPANYA.M. Best Rating A (excellent) (855) 428-4363, option 19THE CAPITOL LIFE INSURANCE COMPANYA.M. Best Rating B (good) (800) 274-482510EQUITRUST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (866) 598-369410GLOBAL ATLANTIC FINANCIAL GROUPA.M. Best Rating A (excellent) (866) 645-244911GREAT AMERICAN LIFE INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 438-3398 x1719713GUGGENHEIM LIFE & ANNUITY COMPANYA.M. Best Rating B (good) (800) 767-774914LIBERTY BANKERS LIFE INSURANCE COMPANYA.M. Best Rating B (good) (800) 274-482915LINCOLN FINANCIAL GROUPA.M. Best Rating A (superior) (800) 238-625215MUTUAL OF OMAHAA.M. Best Rating A (superior) (800) 775-7898 x416816NASSAU RE COMPANYA.M. Best Rating B (good) 888-794-444716NORTH AMERICAN COMPANY FOR LIFE AND HEALTHA.M. Best Rating A (superior) (877) 586-0242 x3567617OXFORD LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (800) 308-231818SAGICOR LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 724-4267 x6180(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.*The most prominent independent ratings agencies continue to recognize American General LifeInsurance Company in terms of insurer financial strength. For current insurer financial strength ratings,please consult our Internet Web page, www.americangeneral.com/ratings. See Advertising Disclosuresfor additional information.2
Multi-Year GuaranteesCompanyLiberty Bankers LifeAthene AnnuityEqui-Trust LifeAM BestRatingSurrenderChargesB AB 3 years3 years3 yearsMaxRate - 33 yearsMulti-Select MYG - 35 years5 yearsMulti-Select MYG - 5Guarantee Choice - 55 years5 yearsMYAnnuity5XMYAnnuity5X (10% Free Withdrawal)5 yearsPremier Plus - 5GuggenheimB 3 yearsGuggenheimB 5 yearsA5 yearsA-5 yearsLiberty Bankers LifeB 5 yearsGuggenheimEquiTrust LifeB B 6 years6 yearsOxford LifeOxford LifeNorth AmericanAmerican NationalNassau RENassau RESagicor (100k )Liberty Bankers LifeAmerican NationalAmerican EquityOxford LifeSagicor ( 100k )Liberty Bankers LifeAmerican NationalNassau RENassau REA-AA B B B AAAAB AB 8 yearsGuggenheimB 9 yearsGuggenheimB 10 yearsOxford LifeEquiTrust LifeNorth AmericanAA-B A 2.65%1.15%2.25%2.00%1.50%2.00%2.50% yrs 2-32.50%1.00%Preserve MYG - 53.00%3.00% yrs. 2-53.00%2.50%Palladium MYG - 52.75%1.75% yrs. 2-51.95% GREAT 2.50%Milestone MYG - 52.80%2.80% yrs. 2-72.80%Bankers Elite - 53.30%3.30% yrs. 2-53.30%Preserve MYG - 63.05%3.90%3.05% yrs. 2-6Min. 2.00% yrs 2-66 years6 years7 years7 years7 years7 years8 years8 years2.65% yrs. 2-31.15% yrs 2-32.00% yrs 2-3Commission(less at Older Ages)2.50%Choice Four: MVA & Liquidity OptionGuarantee - 6Multi-Select MYG - 6Milestone - 7Bankers Premier - 7Palladium MYG - 7Equi-Trust LifeAmerican NationalCertainty Select - 32.65%1.15%2.00%AverageAnnualYieldPreserve MYG - 3Palladium MYG - 67 years7 yearsB A B Bankers Elite - 36 yearsB B Liberty Bankers LifeOxford LifeGuggenheimProduct NameGUARANTEE PERIOD1st YearRate ThereafterRate(Low Band Rates 5%2.45%3.05%2.75%3.30%3.15%2.35% yrs 2-32.70% yrs 2-52.00% yrs. 2-53.35% yrs. 2-53.15% yrs. 2-53.95% yrs. 2-52.05% yrs. 2-62.45% yrs. 2-53.05% yrs. 2-62.75% yrs 2-73.30% yrs. 2-72.15% yrs. 00% (Paper App)2.00% (Paper App)HOT2.05%2.00%2.00%2.25%2.50%3.05%2.50%Varies GREAT 15%2.50%3.45%3.25%3.45% yrs. 2-73.25% yrs. 2-73.45%3.25%Certainty Select – 82.95%2.95% yrs. 2-82.95% GREAT 3.00%Preserve MYG - 93.20%3.20% yrs. 2-93.20%Preserve MYG - 103.25%3.25% yrs. 2-103.25% GREAT 3.00%MYAnnuity7X(10% Free Withdrawal)Bankers - 7Multi Select MYG - 8Preserve MYG - 89 yearsPalladium MYG - 910 yearsMulti-Select MYG - 1010 years10 yearsCertainty Select - 10Guarantee Choice - 103.00%3.20%3.15%4.05%3.10%2.75%2.00%3.00% yrs 2-73.20% yrs. 2-83.15% yrs. 2-82.05% yrs. 2-93.10% yrs. 2-102.75% yrs. 2-102.00% yrs. 2-103.00%3.20%3.15%2.27%3.10%3.00%2.00%2.50% (Paper App)2.50% (Paper App)4.00%1.2975%2.50%2.50%2.50%3.00%3.00%3.00%3For Agents Use Only . Call for state approvals. Rates and commissions subject to change. Check individual commission schedules for guaranteed accuracy and descriptions.
BLASTOFFyour annuity sales with thisMaxRate MYG!A GUARANTEE WINwith American Equity’sGuarantee MYG fixed annuity productfromCheck out thesefeatures!Multi-Year Fixed Strategy - Initial Premium3-year5-year7-yearLess than 100,000 100,000 1.15%1.30%1.90%2.05%2.00%2.15%1-Year Fixed Strategy - Additional Premium3-year5-year7-yearLess than 100,000 100,000 1.15%1.30%1.90%2.05%2.00%2.15%5 Athene is rated A by A.M.Best!1 5,000 Initial PremiumMinimum Flexible Premium MYGproduct! 10% penalty-freewithdrawals Built-in Terminal IllnessWaiver and ConfinementWaiver2Guarantee 5Guarantee 6Guarantee 72.30%*2.45%*2.60%*Rev-Up your annuity sales!*High Band Rates for 100,000 3Want more details about this product?Give us a call!!!7 888-591-1341www.oaktreeus.com1. Financial strength ratings for Athene Annuity & Life Assurance Company, Athene Annuity and Life Company, Athene Annuity & Life Assurance Company of New York and Athene Life Re Ltd. S&P, A.M. Best and Fitch’s credit ratings reflect their assessment of the relative ability of an insurer to meet itsongoing insurance policy and contract obligations.2. Waivers may not be available in all states. Additional limitations, variations and exclusions may apply.For Agent Use Only. Not to be used with the offer or sale of annuities .All rates current as of 03/03/17 and are subject to change at any time. Statevariations may apply. Not available in all states.1476852-1211016Check out these features! 10,000 minimum for Qualified andNon-Qualified Issue ages 18-85 Qualified & Non-Qualified Penalty Free Withdrawals1: Interest Only.Systematic W/D & RMD Immediately. American Equity is rated A- by A.M. Best!BrokerageTREECall us Today!888-591-1341For agent use only. Not for consumer distribution. All products not approved in all states.*MIGR is set at issue, guaranteed for life of contract, Applies to MGSV only.1. Market Value adjustment (MVA) applies to partial withdrawals that exceed the penalty-free amount and surrenders occurring during thesurrender charge period15-AE-19864
AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)FIXEDPRODUCTSCurrentInterestGuarantee 5GuaranteedInterestGuarantee 51.80%Guarantee 6MGIR:Currently 1.75%Guarantee 71.90%SurrenderChargesIssueAgesMVAY YesN NoMaximum:18-69: 1,500,00070-74: 1,000,00075-80: 750,00081-85: 500,000Annually, Penalty-free withdrawal of interestcredited that contract year. Systematic Withdrawal & RMD immediately6 years(9, 8, 7, 6, 5, 4, 0%)CurrentInterestAmerican PathwaySMFixed 5 AnnuityGuaranteedInterestMinimumPremiumWith Guarantee ROP:18-85 Q and NQYear 51.95%(MVA) 2.00% 100,000Year 51.75%(MVA) 1.80%1.50%Without Guarantee ROP: 5,000 NQ 2,000 Q7 years(9, 8, 7, 6, 5, 4, 3, 0%)1.95%(MVA) 2.00%Year 5American PathwayFixed 7 AnnuityNEW1.75%(MVA) 1.80%With Guarantee ROP:1.90%(MVA) 2.05% 100,000Year 71.70%(MVA) 1.85%1.50%Without Guarantee ROP: 5,000 NQ 2,000 Q1.90%American PathwaySMVisionMYGNEW1.70%(MVA) 1.85%Low BandHigh Band4 Year1.80%2.10%5 Year2.05%2.35%6 Year2.05%2.35%7 Year2.05%2.35%10 Year2.05%2.35%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.IssueAges5 years(9,8,7,6,5)0-90(0-85 inNY)Q&NQ7 years(9,8,7,6,5,4,2)0-90(0-85 inNY)Q&NQMVAY YesN NoCommissionYAges0-85: 2.00%86-90: 1.00%States NotAvailableTerminal Illness Waiver: Early withdrawal charge fees will be waived on one fullor partial withdrawal upon the diagnosis of a terminal illness that will result in thedeath of a contract owner within one year. Written documentation from a qualifiedphysician is required.Available in allstates, somevarations(MVA is notavailable in NY)Terminal Illness Waiver: Early withdrawal charge fees will be waived on one fullor partial withdrawal upon the diagnosis of a terminal illness that will result in thedeath of a contract owner within one year. Written documentation from a qualifiedphysician is required.YAges0-85: 2.50%86-90: 1.25%Available in allstates, somevarations(MVA is notavailable in NY)Optional Return of Premium Guarantee: The annuity may be returned at anytimefor an amount equal to the single premium paid, less prior withdrawals, or thewithdrawal value, whichever is greater. Adding this feature will result in a slightlylower initial interest rate than a contract without the feature would receive.(MVA) 2.05% 100,000Year 7SurrenderChargesDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/shemay elect to become the new “owner” or receive a disttibution 100,000Year 7WithdrawalProvisionsPenalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees willbe waived if the owner is confined to a qualifying insitution or extended care facilityfor 90 consecutive days or longer. 100,000Year 7Rates effective as of 10-14-2019Optional Return of Premium Guarantee: The annuity may be returned at anytimefor an amount equal to the single premium paid, less prior withdrawals, or thewithdrawal value, whichever is greater. Adding this feature will result in a slightlylower initial interest rate than a contract without the feature would receive. 100,000SMNY1.50%Ages 81-85Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/shemay elect to become the new “owner” or receive a disttibution 100,000Year 52.10%Ages 76-80YPenalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees willbe waived if the owner is confined to a qualifying insitution or extended care facilityfor 90 consecutive days or longer. 100,000NEWStates NotAvailable3.00%Ages 18-75AMERICAN GENERAL LIFE COMPANIES (AGLC)FIXEDPRODUCTSCommission5 years(9, 8, 7, 6, 5, 0%)Minimum: 10,000Guarantee 61.85%Guarantee 7WithdrawalProvisionsMinimumPremiumRates effective as of 10-10-2019Penalty-Free Withdrawal Privilege: After Year 1, 15% free withdrawals. After 30days from contract date1.50% 10,000 Q&NQDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/shemay elect to become the new “owner” or receive a disttibutionEarly Withdrawal Charge Waiver: After the first contract year, withdrawal chargefees will be waived if the owner cannot perform two or more of the six definedactivities of daily living (bathing, continence, dressing, eating, toileting, andtransferring) for at least 90 consecutive days. Written certification by a licensedhealthcare practitioner is required.10 years(8,8,8,7,6,5,4,3,2,1)In New York7 Years(7,6,5,4,3,2,1)0-85Q&NQY4 year - 1.50%5 year - 1.50%6 year - 2.00%7 year - 2.00%10 year - 2.00%Available in allstates, somevarations.Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, TX 77019 The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life InsuranceCompany (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies (or annuities) and riders not available in all states.These contracts are not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is nota deposit or other obligation of, nor is it guaranteed or endorsed by, any bank or depository institution.5
AMERICAN NATIONAL INSURANCE COMPANY (ANL)FIXEDPRODUCTSPalladiumMYGHigh Band Shown.Under 100,000,subtract 10 basispointsCentury PlusNEWCurrentInterest5 Year6 Year7 Year8 Year9 Year10 Year1st Year2.85%2.15%3.25%2.30%4.15%3.30%Base stYield2.05%2.15%2.39%2.30%2.37%2.40% 100,000Yr. 1 - 6.45%, Base Rate - 1.45%Fixed Rate - 7.20%Accumulated Period - 10 YearsRider Premium Enhancement - N/ARider Premium Charge - 0.90%(2 year rate)DiamondCitadel - 7(2 year rate)NAIC States1.75% 5,000Q&NQ 100,000Yr. 1 - 6.55%, Base Rate - 1.55%Lifetime Income RiderDiamondCitadel - 51.00%MinimumPremium1st Year Base Rate 100,000 2.30%1.30% 100,000 2.20%1.20%1st Year Base Rate 100,000 3.40%1.40% 100,000 3.30%1.30%1.00%NAIC States1.75%1.00%NAIC States1.75%1.00%NAIC States1.75% 5,000Q&NQMax 1,000,000WithdrawalProvisionsMonthly interest option. 10% free beginning yr 2. Transplantsurgery waiver. Confinement Waiver. Available thru issue ages. Fullaccount value paid at death.Starting in the first contract year, you can withdraw up to 10% ofyour annuity value as of the beginning of your annuity’s contractyear, without any surrender charges.You can request an amount to be withdrawn from Century Plus ona regular basis. They systematic withdrawal can be for either theearned interest only or for a specific fixed amount. Please keep inmind that when the sum of any systematic withdrawal paymentsand partial surrenders exceeds 10% of the contract’s beginningyear annuity value, a surrender charge and market value adjustment or excess interest deduction, if applicable, will be charged.Rates effective as of 10-1-2019Surrender Charges5-yr 8,8,8,7,66-yr (8,8,8,7,6,5)7-yr (8,8,8,7,6,5,4)8-yr(8,8,8,7,6,5,4,3)9yr 8,8,8,7,6,5,4,3,210yr 8,8,8,7,6,5,4,3,2,1(30 day bail out afterguaranteed period)10 IssueAgesMVAY YesN NoCommission5-yr 2.50%-0-796-yr 2.50%-0-797-yr 2.50%-0-798-yr 2.50%-0-799-yr 2.50%-0-7910-yr ilable0-85YUT0-80Y5.00%-ages 0-753.00%-ages 76-80Available in allstates 5,000-Q&NQ(Initial depositsover 100,000receive .10additional basispoints)10% Penalty Free beginning year 1. Mo. interest option. Full account value paidat death. Principal Guarantee: Minimum surrender value is a return of premiumspaid, less any cumulative withdrawals. The policy will now be owner driven. Thedeath benefit will be paid only upon death of owner, not the annuitant. Pleasenote this will affect chargebacks. In the event of a death or full surrender in thefirst year, and owner is over 80, there will be a 100% chargeback. Now beingmarketed as only Confinement and Disability. The definition of Confinement ischanging from 60 days to 30 days. If the contract owner is confined for will beimposed on any surrender or withdrawal. Please note Terminal Illness is includedin the disability waiver.5 years(7,7,7,6,5)0-85NQ & QN3.00%-Ages 0-802.00%-Ages 81-85Available in allstates 2,000Q 5,000NQ(Initial dep.over 100K receive .10 add.basis points.)Add. Prem 1,000 randomor 100/mo.bank draft.10% Penalty Free beginning year 1. Mo. interest option. Full account value paidat death. Principal Guarantee: Minimum surrender value is a return of premiumspaid, less any cumulative withdrawals. The policy will now be owner driven. Thedeath benefit will be paid only upon death of owner, not the annuitant. Pleasenote this will affect chargebacks. In the event of a death or full surrender in thefirst year, and owner is over 80, there will be a 100% chargeback. Now beingmarketed as only Confinement and Disability. The definition of Confinement ischanging from 60 days to 30 days. If the contract owner is confined for will beimposed on any surrender or withdrawal. Please note Terminal Illness is includedin the disability waiver.7 years(7,7,7,6,5,4,2)0-85NQ & QN3.50%-Ages 0-802.50%-Ages 81-85(for 1st 3 years)Available in allstatesRates and Commissions subject to change.(For Agent Use Only)Check for current state approvals.Not intended for soliciting annuity sales from the public.2) Two year charge back - 100% year 1 & 50% year 26
Rates Effective as of 8-31-2019ATHENE ANNUITY & LIFE ASSURANCE COMPANY Year FixedStrategyHigh Band 100,000Low BandUp to 100,00GuaranteedInterest3 year5 year7 ium 10,000Q&NQAdditionalPremium 1,000 perpaymentWithdrawalProvisionsFree Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.Flexible Premium!Terminal Illness Waiver and Confinement Waiver builtin (not available in all states)NEWMaxRate:1-Year Fixed(additional premium)3 year5 year7 yearHigh Band 100,0001.30%2.05%2.15%Low BandUp to 100,001.15%1.90%2.00%1.00% 10,000Q&NQAdditionalPremium 1,000 perpaymentFree Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.Flexible Premium!Terminal Illness Waiver and Confinement Waiver builtin (not available in all states)NEWMaxRate:Multi-Year FixedStrategy3 year5 year7 yearHigh Band 100,0001.30%2.00%2.10%Low BandUp to 100,001.15%1.85%1.95%1.00% 10,000Q&NQAdditionalPremium 1,000 perpaymentFree Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.Flexible Premium!Terminal Illness Waiver and Confinement
Watch your annuity sales climb with these Preserve MYG . 10 EQUITRUST LIFE INSURANCE COMPANY A.M. Best Rating B (good) (866) 598-3694 . 11 GREAT AMERICAN LIFE INSURANCE COMPANY A.M. Best Rating A (excellent) (800) 438-3398 x17197 13 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best Rating
