Recommendations Sheet
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| Fixed Index Annuity Recommendations as of 07/13/2010 | ||||
| Allianz | North American | North American | Allianz | |
| Comdex A.M. Best |
87 A |
92 A+ |
92 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% | 10% |
| Commission | 5.0% | 7.5% up to Age 75 | 6.5% up to Age 75 | 7% up to Age 75 |
| Cap | 5.75% | 1.85%, 2.25%, 2.40% | 1.70% | 2.10% |
| Recommended Method Issue Age Free Withdrawals Recommended Index Interest Credited Income Rider |
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 |
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 |
7.5% Income Rider Flexible 5 Yrs |
8% Simple Income Rider |
| Fixed Annuity Recommendations as of 07/13/2010 | ||||
| RBC | Aviva | RBC | Industrial Alliance Pacific | |
| Comdex A.M. Best |
85 A |
88 A |
85 A |
A |
| Guarantee 3+3 Master MVA |
Spirit Plus | ValueMaster | Select Plus 5 | |
| Surrender Period | 6 Year | 10 Year | 10 Year | 5 Year |
| Premium Bonuses | 0% | 5% | 0% | 5% |
| Commission | 2.0% | 7.5% up to Age 75 | 7.0% Up to Age 75 | 5.50% |
| Rate | 3.50% for 3, 3.50% for 3 | 2.00% | 3.50% | 4% for 5 Years |
| Issue Age Free Withdrawals Minimum Guarantee Minimum Premium Income Rider |
0 - 85 10% After Year 1 3.00% $5,000 NQ/Q No |
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 | Short Term | Flex Rider | 3% Min Floating Rate |
Flexible for 1st Yr |
For premium under $75,000 with Aviva, Spirit Plus is 2.00%.