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  Fixed Index Annuity Recommendations as of 10/1/2010
Allianz North American North American Allianz
Comdex
A.M. Best 		87
A		 93
A+		 93
A+		 87
A
  Endurance Elite Charter Series North American Ten Masterdex X
Surrender Period 5 Year 7, 10, 14 Year 10 Year 10 Year
Premium Bonuses 10% 0%, 5%, 10% 10% 8%
Commission 5.0% 7.5% up to Age 75 6.5% up to Age 75 7% up to Age 75
Cap 5.25% 1.50%, 2.05%, 2.20% 1.40% 2.00%
Recommended Method
Issue Age
Free Withdrawals
Recommended Index
Interest Credited
Income Rider		 S&P Annual Point-to-Point
0 - 80
10% in Year 2
S&P 500
Annual
No		 Monthly Point-to-Point
0-85, 0-79, 0-75
10% in Year 2
S&P 500
Annual
Yes		 Monthly Point-to-Point
0-79
10% in Year 2
S&P 500
Annual
Yes		 S&P Monthly Point-to-Point
 0-80
10% in Year 1
S&P 500
Annual
Yes
Notable Features 105% Participation
Annual Reset on Income

7.5% Income Rider
 Flexible 7 Yrs

 7.5% Income Rider
Flexible 5 Yrs
8% Simple Income Rider

 

 

  Fixed Annuity Recommendations as of 10/1/2010
  Aviva RBC Industrial Alliance Pacific
Comdex
A.M. Best 		  88
A		 85
A
A
    Spirit Plus ValueMaster Select Plus 5
Surrender Period   10 Year 10 Year 5 Year
Premium Bonuses   5% 0% 5%
Commission   7.5% up to Age 75 5.0% Up to Age 75 5.50%
Rate   2.00% 3.25%  
Issue Age
Free Withdrawals
Minimum Guarantee
Minimum Premium
Income Rider		   0-78
10% in Year 1
2.00%
$5,000 NQ/Q
Yes		 0-85
10% After Year 1
3.00%
$5,000 NQ/Q
No		 0-80
10% After Year 1

$10,000 Q/$25,000 NQ
No
Notable Features   Flex Rider 3% Min,
Floating Rate		 Flexible for 1st Yr

For premium under $75,000 with Aviva, Spirit Plus is 2.00%.