Guarantee Period

Company

AM Best

Product Name

Issue Ages

1st Year Rate

Rate Thereafter

Annual Eff. Rate

 

 

 

 

 

 

 

 

2 Years

Life Insurance Company of the Southwest

A

SureRate 2 ($100K+)

0-90

1.15%

1.15%

1.15%

2 Years

Life Insurance Company of the Southwest

A

SureRate 2 ($25K+)

0-90

1.00%

1.00%

1.00%

3 Years

Annuity Investors

A

AssetSelect 1-2-3

NQ 0-90

N/A

N/A

N/A

3 Years

EquiTrust Life

B+

Certainty/Certainty Select

0-90

N/A

N/A

N/A

3 Years

ING USA $75K+

A

Guarantee Choice

0-80

N/A

N/A

N/A

3 Years

ING USA <75K

A

Guarantee Choice

0-80

N/A

N/A

N/A

3 Years

Legacy

 

RateMark

0-85

2.50%

2.50%

2.50%

3 Years

American National 100k +

A

Palladium MYG Annuity

0-85

2.10%

2.10%

2.10%

3 Years

American National <100k

A

Palladium MYG Annuity

0-85

2.00%

2.00%

2.00%

3 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

2.00%

2.00%

2.00%

3 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

2.00%

2.00%

2.00%

3 Years

OM Financial Life Insurance

A-

OM Guarantee Plus 3

0-90

2.55%

1.55%

1.88%

3 Years

Allianz ($100K+)

A

Dominator Select

0-85

1.80%

1.80%

1.80%

3 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

1.80%

1.80%

1.80%

3 Years

Allianz ($25K-$99,999)

A

Dominator Select

0-85

1.70%

1.70%

1.70%

3 Years

OM Financial Life Insurance

A-

OM Guarantee Platinum  3

0-90

1.70%

1.70%

1.70%

3 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

2.01%

1.50%

1.67%

3 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

1.65%

1.65%

1.65%

3 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

1.50%

1.50%

1.50%

4 Years

Presidential Life (>$5)

B+

Secure 4

0-90

3.00%

3.00%

3.00%

4 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

2.65%

2.65%

2.65%

4 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

2.45%

2.45%

2.45%

4 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

2.35%

2.35%

2.35%

4 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

2.30%

2.30%

2.30%

4 Years

American National 100k +

A

Palladium MYG Annuity

0-85

2.25%

2.25%

2.25%

4 Years

Integrity Life

A+

Momentum Advantage

0-86

2.75%

2.00%

2.19%

4 Years

American National < 100k

A

Palladium MYG Annuity

0-85

2.15%

2.15%

2.15%

4 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

2.26%

1.75%

1.88%

4 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

1.75%

1.75%

1.75%

5 Years

ING USA <75K

A

Guarantee Choice

0-80

N/A

N/A

N/A

5 Years

ING USA  75K+

A

Guarantee Choice

0-80

N/A

N/A

N/A

5 Years

American Equity

A-

Guarantee 5

0-80

3.65%

3.65%

3.65%

5 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

3.55%

3.55%

3.55%

5 Years

Royal Neighbors of America

A-

Neighbors Choice

16-85

3.50%

3.50%

3.50%

5 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

3.30%

3.30%

3.30%

5 Years

OM Financial Life Insurance

A-

OM Guarantee Platinum

0-90

3.20%

3.20%

3.20%

5 Years

OM Financial Life Insurance

A-

OM Guarantee Plus

0-90

4.00%

3.00%

3.20%

5 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

3.15%

3.15%

3.15%

5 Years

Presidential Life (>$5)

B+

Secure 5

0-90

3.10%

3.10%

3.10%

5 Years

Loyal American >$100K

A

Sure Saver 5

NQ 0-89

3.05%

3.05%

3.05%

5 Years

Reliance Standard Life

A

Elektra 579

0-85

3.00%

3.00%

3.00%

5 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

3.00%

3.00%

3.00%

5 Years

Legacy

 

RateMark

0-85

2.85%

2.85%

2.85%

5 Years

 American General

A

Horizon Select

0-85

2.85%

2.85%

2.85%

5 Years

Great American (>$100K MVA)

A

American Freedom Stars & Stripes

NQ 0-89

2.80%

2.80%

2.80%

5 Years

American National 100k +

A

Palladium MYG Annuity

0-85

3.60%

2.60%

2.80%

5 Years

Standard Insurance Company $100K+

A

Focused Growth Annuity 5

0-90

2.75%

2.75%

2.75%

5 Years

Great American (<$100K MVA)

A

American Freedom Stars & Stripes

NQ 0-89

2.75%

2.75%

2.75%

5 Years

Loyal American <$100K

A

Sure Saver 5

NQ 0-89

2.70%

2.70%

2.70%

5 Years

Lincoln Financial >$100K

A+

Classic 5

0-85

4.30%

2.30%

2.70%

5 Years

American National <100k

A

Palladium MYG Annuity

0-85

3.50%

2.50%

2.70%

5 Years

Standard Insurance Company <$100K

A

Focused Growth Annuity 5

0-90

2.65%

2.65%

2.65%

5 Years

Integrity Life

A+

Momentum Advantage

0-86

3.25%

2.50%

2.65%

5 Years

Allianz Life ($100K+)

A

Dominator Plus

0-85

2.65%

2.65%

2.65%

5 Years

 American General

A

HorizonSecure

0-85

2.65%

2.65%

2.65%

5 Years

 American General

A

AG Horizon Choice

NQ 0-85

2.60%

2.60%

2.60%

5 Years

Allianz Life ($25K-$99,999)

A

Dominator Plus

0-85

2.55%

2.55%

2.55%

5 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

3.32%

2.30%

2.50%

5 Years

Lincoln Financial <$100K

A+

Classic 5

0-85

3.30%

2.30%

2.50%

5 Years

EquiTrust Life

B+

Certainty/Certainty Select

0-90

2.50%

2.50%

2.50%

5 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

2.30%

2.30%

2.30%

5 Years

Americo Financial

A-

Platinum Assure 5

0-90

2.30%

2.30%

2.30%

5 Years

Genworth ($100K+)

A

SecureLiving Stable 5

0-85

2.25%

2.25%

2.25%

5 Years

Standard Insurance Company $100K+

A

Secure Rate Annuity 5

0-90

2.10%

2.10%

2.10%

5 Years

Standard Insurance Company <$100K

A

Secure Rate Annuity 5

0-90

2.00%

2.00%

2.00%

5 Years

Sun Life Financial >$50k

A++

Keyport Value

NQ 0-90

2.75%

1.75%

1.95%

5 Years

Sun Life Financial <$50k

A++

Keyport Value

NQ 0-90

2.60%

1.60%

1.80%

5 Years

Lincoln Benefit

A+

Tactician Plus

0-90

1.65%

1.65%

1.65%

6 Years

Royal Neighbors of America ($100K+)

A-

Crown Choice

NQ 0-85

3.50%

3.50%

3.50%

6 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

3.40%

3.40%

3.40%

6 Years

Royal Neighbors of America ($20K-$99,999)

A-

Crown Choice

NQ 0-85

3.40%

3.40%

3.40%

6 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

3.30%

3.30%

3.30%

6 Years

Standard Insurance Company $100K+

A

Focused Growth Annuity 6

0-90

3.30%

3.30%

3.30%

6 Years

American National 100k+

A

Palladium MYG Annuity

0-85

3.25%

3.25%

3.25%

6 Years

Standard Insurance Company <$100K

A

Focused Growth Annuity 6

0-90

3.20%

3.20%

3.20%

6 Years

American National <100k

A

Palladium MYG Annuity

0-85

3.15%

3.15%

3.15%

6 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

3.15%

3.15%

3.15%

6 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

3.15%

3.15%

3.15%

6 Years

Lincoln Financial >$100K

A+

New Directions 6

0-85

3.10%

3.10%

3.10%

6 Years

Presidential Life (>$5)

B+

Secure 6

0-90

3.00%

3.00%

3.00%

6 Years

RBC Insurance

A

RBC 3+3 MYG

0-85

3.00%

3.00%

3.00%

6 Years

Royal Neighbors of America ($5K-$19,999)

A-

Crown Choice

NQ 0-85

3.00%

3.00%

3.00%

6 Years

American General

A

AG Horizon VM

0-85

2.95%

2.95%

2.95%

6 Years

Lincoln Financial <$100K

A+

New Directions 6

0-85

2.90%

2.90%

2.90%

6 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

3.47%

2.45%

2.62%

6 Years

EquiTrust Life

B+

Certainty/Certainty Select

0-90

2.60%

2.60%

2.60%

6 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

2.45%

2.45%

2.45%

6 Years

Sun Life Financial >$50k

A++

Keyport Value

0-85

3.20%

2.20%

2.37%

6 Years

Sun Life Financial <$50k

A++

Keyport Value

0-85

3.05%

2.05%

2.22%

6 Years

Standard Insurance Company $100K+

A

Secure Rate Annuity 6

0-90

2.20%

2.20%

2.20%

6 Years

Lincoln Benefit

A+

Tactician Plus

0-90

2.15%

2.15%

2.15%

6 Years

Standard Insurance Company <$100K

A

Secure Rate Annuity 6

0-90

2.10%

2.10%

2.10%

7 Years

American Equity

A-

Guarantee 7

0-80

3.75%

3.75%

3.75%

7 Years

OM Financial Life Insurance

A-

OM Guarantee Platinum

0-90

3.75%

3.75%

3.75%

7 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

3.65%

3.65%

3.65%

7 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

3.50%

3.50%

3.50%

7 Years

American General

A

Horizon Select

0-85

3.45%

3.45%

3.45%

7 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

3.45%

3.45%

3.45%

7 Years

American National 100k+

A

Palladium MYG Annuity

0-85

4.35%

3.35%

3.49%

7 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

3.35%

3.35%

3.35%

7 Years

American General

A

HorizonSecure

0-85

3.25%

3.25%

3.25%

7 Years

American National <100k

A

Palladium MYG Annuity

0-85

4.25%

3.25%

3.39%

7 Years

Integrity Life

A+

Momentum Advantage

0-85

4.00%

3.25%

3.36%

7 Years

OM Financial Life Insurance

A-

OM Guarantee Plus

0-90

4.25%

3.25%

3.39%

7 Years

Legacy

 

RateMark

0-85

3.10%

3.10%

3.10%

7 Years

American General

A

AG Horizon Choice

0-85

3.05%

3.05%

3.05%

7 Years

ING USA <75K

A

Guarantee Choice

0-80

2.75%

2.75%

2.75%

7 Years

ING USA 75K+

A

Guarantee Choice

0-80

3.75%

2.75%

2.89%

7 Years

Lincoln Financial <$100K

A+

Classic 7

0-85

4.75%

2.75%

3.03%

7 Years

Lincoln Financial >$100K

A+

Classic 7

0-85

5.75%

2.75%

3.17%

7 Years

RBC Insurance

A

RBC 7 MYG

NQ 0-85

3.70%

2.70%

2.84%

7 Years

Sun Life Financial >$50k

A++

Keyport Value

0-85

3.70%

2.70%

2.84%

7 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

3.73%

2.70%

2.85%

7 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

2.70%

2.70%

2.70%

7 Years

Sun Life Financial <$50k

A++

Keyport Value

0-85

3.55%

2.55%

2.69%

7 Years

Lincoln Benefit

A+

Tactician Plus

0-90

2.25%

2.25%

2.25%

8 Years

EquiTrust Life

B+

Certainty/Certainty Select

0-90

4.00%

4.00%

4.00%

8 Years

American National 100k+

A

Palladium MYG Annuity

0-85

3.70%

3.70%

3.70%

8 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

3.65%

3.65%

3.65%

8 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

4.54%

3.50%

3.63%

8 Years

American National <100k

A

Palladium MYG Annuity

0-85

3.60%

3.60%

3.60%

8 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

3.55%

3.55%

3.55%

8 Years

American General

A

AG Horizon Choice

NQ 0-85

3.50%

3.50%

3.50%

8 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

3.50%

3.50%

3.50%

8 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

3.45%

3.45%

3.45%

8 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

3.40%

3.40%

3.40%

8 Years

Lincoln Financial >$100K

A+

New Directions 8

0-85

3.35%

3.35%

3.35%

8 Years

Lincoln Financial <$100K

A+

New Directions 8

0-85

3.20%

3.20%

3.20%

8 Years

Life Insurance Company of the Southwest

A

RetireMax FPDA 1

0-75

3.60%

2.60%

2.73%

8 Years

Lincoln Benefit

A+

Tactician Plus

0-90

2.45%

2.45%

2.45%

9 Years

American General

A

AG Horizon Choice

NQ 0-85

3.85%

3.85%

3.85%

9 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

4.59%

3.55%

3.66%

9 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

3.65%

3.65%

3.65%

9 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

3.60%

3.60%

3.60%

9 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

3.55%

3.55%

3.55%

9 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

3.45%

3.45%

3.45%

9 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

3.45%

3.45%

3.45%

9 Years

American National 100k+

A

Palladium MYG Annuity

0-85

5.20%

3.20%

3.42%

9 Years

American National <100k

A

Palladium MYG Annuity

0-85

5.10%

3.10%

3.32%

9 Years

 American General

A

AG Horizon Plus 2004

NQ 0-85

8.60%

2.60%

3.27%

9 Years

Lincoln Benefit

A+

Tactician Plus

0-90

3.00%

3.00%

3.00%

10 Years

EquiTrust Life

B+

Certainty/Certainty Select

0-90

4.15%

4.15%

4.15%

10 Years

West Coast Life ($100K+)

A+

Sure Advantage

0-85

4.84%

3.80%

3.90%

10 Years

NACOLAH

A+

NA Guarantee Choice >$200K

0-90

3.85%

3.85%

3.85%

10 Years

ING USA 75K+

A

Guarantee Choice

0-80

4.70%

3.70%

3.80%

10 Years

West Coast Life (<$100K)

A+

Sure Advantage

0-85

3.80%

3.80%

3.80%

10 Years

American General

A

Horizon Select

0-85

3.75%

3.75%

3.75%

10 Years

Allianz Life ($100K+)

A

Dominator Plus

0-85

3.70%

3.70%

3.70%

10 Years

ING USA <75K

A

Guarantee Choice

0-80

3.70%

3.70%

3.70%

10 Years

American National 100k+

A

Palladium MYG Annuity

0-85

4.55%

3.55%

3.65%

10 Years

Lincoln Financial $100K+

A+

MYGuarantee

0-85

3.65%

3.65%

3.65%

10 Years

NACOLAH

A+

NA Guarantee Choice <$199,999

0-90

3.65%

3.65%

3.65%

10 Years

Allianz Life ($25K-$99,999)

A

Dominator Plus

0-85

3.60%

3.60%

3.60%

10 Years

Integrity Life

A+

Momentum Advantage

0-83

4.25%

3.50%

3.56%

10 Years

American National <100k

A

Palladium MYG Annuity

0-85

4.45%

3.45%

3.55%

10 Years

Lincoln Financial <$100K

A+

MYGuarantee

0-85

3.50%

3.50%

3.50%

10 Years

American General

A

AG Horizon Choice

NQ 0-85

3.45%

3.45%

3.45%

10 Years

Life Insurance Company of the Southwest

A

RetireMax Millennium Plus

0-80

7.70%

2.70%

3.20%

10 Years

Legacy

 

RateMark

0-85

3.15%

3.15%

3.15%

10 Years

Integrity Life

A+

New Momentum

0-85

3.80%

3.05%

3.13%

10 Years

Life Insurance Company of the Southwest

A

RetireMax FPDA 2

0-75

4.00%

3.00%

3.10%

10 Years

American General

A

Horizon MYG Annuity

0-85

6.65%

2.65%

3.05%

10 Years

Lincoln Benefit

A+

Tactician Plus

0-90

2.85%

2.85%

2.85%