Compare Fixed Annuities

The fixed annuities in the chart below are what we believe to be the most competitive fixed deferred products available in the annuity marketplace today. Compare fixed annuity rates, minimum initial premiums, and other features.

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Criteria for evaluating these annuities/riders.
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Results for Fixed Annuities

Company & Annuity Click below to order a free info kit!	Guaranteed Rate * (rates in bold are top for that period)	Noteworthy Bonuses & Features	Minimal Initial Premium	Surrender Period & Allowable Free Withdrawals (W/D)¹	To Order a Free Information Kit
ProSaver Platinum	15 Years: 5.30%* 10 Years: 5.00%* 8 Years: 4.90%* 7 Years: 4.80%* 6 Years: 4.35%* 5 Years: 4.10%* 4 Years: 4.05%* 3 Years: 3.40%* 2 Years: 3.05%* Rates effective as of 12/30/08	*Subtract 0.25% per year from amounts below $100,000	$10,000	7 years: 6%,6,5,4,3,2,1% W/D: unlimited prior 12 months interest earned The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 7-year Surrender Period.
Certainty Select	10 Years: 6.00% 8 Years: 5.49% 6 Years: 4.83% 5 Years: 4.50% 3 Years: 3.25% Rates effective since 11/11/08	3-year contract available	$10,000	10 Years: 7%,7%, 7%, 6%, 5%, 4%, 3%, 2% 1% W/D: 10% annually The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Jackson National Life Target Select	10 Years: 4.90%* 9 Years: 5.48%* 8 Years: 4.62%* 7 Years: 4.39%* 6 Years: 5.00%* 5 Years: 3.90%* Rates effective as of 12/29/08	*Subtract 0.30% per year from amounts below $100,000	$10,000	10 Years: 7%,7%, 7%, 6%, 5%, 4%, 3%, 2% 1% W/D: 10% annually The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Wealth Fortifier	9 Years: 5.07% 7 Years: 5.39% 6 Years: 5.37% 5 Years: 4.80% 4 Years: 4.90% Rates effective as of 12/08/08		$10,000	9 years: 8%,8,7,6,5,4,3,2,1% W/D: After first year, 10% of contract value annually The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 9-year Surrender Period.
Classic Fortifier	5 Years: 5.10% Rates effective as of 12/08/08	If renewal rate is below “bail-out” rate of 4.90%, contract can be fully or partially surrendered without charge.	$4,000	5 years: 7%,7,7,6,5% W/D: Year 1: interest only. Years 2-5: 10% of prior anniversary contract value
Foundation Plus	6 Years: 5.00%* 3 Years: 5.40%* 1 Year: 8.60%* Rates effective as of 06/20/08	*Subtract .20% from amounts below $50,000	$10,000	6 years: 6%, 6, 6, 6, 5, 3% W/D: up to 10% of contract value annually
The Best of America Platinum Edge	10 Years: 5.75% 9 Years: 4.65% 8 Years: 4.55% 7 Years: 4.50% 6 Years: 4.00% 5 Years: 3.75% 4 Years: 3.00% 3 Years: 3.00% Rates effective as of 01/05/09		$10,000 non-qualified $2,000 qualified	10 years: 5%,5,4,4,3,3,2,2,1,1% W/D: 10% of contract value annually The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Frontiers	10 Years: 5.60% 9 Years: 5.40% 8 Years: 5.10% 7 Years: 4.80% 6 Years: 4.55% 5 Years: 4.00% Rates effective through 01/09/09	Low initial premium	$2,000 Qualified $5,000 Non-Qualified	7 Years: 7%,6,5,4,3,2,1% W/D: unlimited prior 12 months interest earned The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 7-year Surrender Period.
Dominator	10 Years: 5.30%* 5 Years: 4.90%* Rates effective as of 12/02/08	*Subtract .10% for amounts of $25,000-$99,999, and .20% for amounts below $25,000	$20,000	10 years: 10%, 9, 8, 7, 6, 5, 4, 3, 2, 1% W/D: Annual free withdrawal, up to cumulative total of 15% of premium The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
CRC Select	10 Years: 5.15% 9 Years: 5.00% 8 Years: 4.90% 7 Years: 4.85% 6 Years: 4.75% 5 Years: 4.55% Rates effective through 01/06/09	Low initial premium	$2,000 Qualified $5,000 Non-Qualified	10 years: 6%, 6, 5, 4, 3, 2, 2, 2, 2, 2% W/D: unlimited prior 12 months interest earned The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Midland National Guarantee Plus & Direct Guarantee	10 Years: 5.00% 9 Years: 5.00% 8 Years: 5.00% 7 Years: 5.00% 6 Years: 5.00% 5 Years: 5.00% 4 Years: 4.85% 3 Years: 4.33% Rates effective since 01/05/09		$2,000 Qualified $10,000 Non-Qualified	Guarantee Plus: 10 Year: 10%,10, 10,10,10,9,8,6,4,2% Direct Guarantee: 10 Year: 8%, 8, 8, 8, 8, 8, 8, 8, 6, 4% W/D: unlimited prior 12 months interest earned The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Momentum Advantage	10 Years: 4.97% 7 Years: 4.75% 5 Years: 4.35% 4 Years: 4.18% Rates effective since 12/31/08	4-year contract available	$20,000	10 Years: 8%,8,7,7,6,6,5,5,4,4% 7 Years: 8%,8,7,7,6,6,5% 5 years: 8%,8,7,7,6% 4 years: 8%,8,7,7% W/D: unlimited, up to 10% of annual account value
Palladium MYG	10 Years: 4.90%* 9 Years: 4.77%* 8 Years: 5.05%* 7 Years: 4.84%* 6 Years: 5.00%* 5 Years: 4.35%* 4 Years: 3.50%* 3 Years: 3.20%* Rates effective since 01/01/09	*Subtract 0.10% per year from amounts below $100,000	$5,000	10 years: 8%,8,8,7,6,5,4,3,2,1% W/D: Year 1: unlimited 12 months interest earned. After year 1: 10% of policy value The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Fixed Annuity FA	10 Years: 4.85%* 7 Years: 5.05%* 5 Years: 4.55%* 3 Years: 3.95%* Rates effective as of 12/31/08	*Subtract 0.25% per year from amounts below $25,000	$5,000	7 years: 7%,6,5,4,3,2,1% W/D: 10% of account value The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 7-year Surrender Period.
ING Golden Select Guarantee	10 Years: 3.95% 9 Years: 3.65% 8 Years: 3.25% 7 Years: 2.85% 6 Years: 2.35% 5 Years: 1.85% Rates effective through 01/20/09 Disclosures >	Low initial premium	$1,500 Qualified $5,000 Non-Qualified	10 Year contract: 8%, 7,6,5,4,3,2,1,0,0% 7 Year contract: 8%,7,6,5,4,3,2% 5 Year contract: 8%,7,6,5,4% W/D: unlimited prior 12 months interest earned The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Guaranteed Advantage Annuity	6 Years: 4.64% Rates effective as of 01/01/09	This rate represents a 1% premium bonus made available by Beneficial to Annuity FYI	$5,000	6 years: 8.32%, 7.65, 6.73, 5.79, 4.85, 3.90% W/D: interest only years 2-6
Focused Growth Annuity	6 Years: 3.55%* 5 Years: 3.35%* Rates effective since 01/01/09	*Subtract 0.10% per year to amounts below $100,000	$15,000	6 years: 8%,7,6,5,4,3% 5 years: 8%,7,6,5,4% W/D: after 30 days, interest only. Nursing home and terminal condition waivers, after the 1st contract year. Full value at annuitant death, available immediately.
Guaranteed Step-Up Annuity	5 Years: 4.10% Rates effective as of 01/01/09	This rate represents a 1% premium bonus made available by Beneficial to Annuity FYI	$5,000	5 Years: 7%, 7, 7, 6, 5% W/D: 10% annually
Loyal American Life Loyal SureSaver	5 Years: 3.80%* Rates effective since 01/01/09	*3.85% for amounts under $100,000	$100,000	5 Years: 7%,6,5,4,3% W/D: 10% annually
Allstate® Treasury-Linked Annuity	5 Years: 2.65%* Rates effective as of 12/22/08	Subtract 0.25% from amounts below $100,000 Guaranteed interest rate that may increase based on the upside performance of the 5-year Constant Maturity U.S. Treasury Rate. No MVA.	$3,000 Qualified $5,000 Non-qualified	10 years: 9%,8,8,7,6,5,4,3,2,1% W/D: unlimited, up to 10% of policy value The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
Annuity Investors Life Asset Select	3 Years: 3.00% Note: Sales of 2-year and 1-year contracts for this annuity have been suspended. Rates effective as of 01/01/09	3-year contracts available at competitive rates	$10,000	3 Year: 7%,7,6% W/D: no free withdrawals The Surrender Period may be less but will not exceed the Guarantee Period chosen. For example, a 2-year Guarantee Period will have a 2-year Surrender Period and NOT a 3-year Surrender Period.

^* Rates current as of: 01/05/09. Please note that Annuity FYI makes every effort to make sure that rates on this site are the most recent rates. However, rates are subject to change at anytime by each insurance company without notice, and as such actual rates may be different that what is listed on Annuity FYI. Contact Annuity FYI or your financial professional to verify rates prior to making any investment decisions.

¹ Withdrawals are subject to income tax and prior to age 59 1/2 a 10% federal penalty tax may apply.

Updated 10/27/09.

Reviewed 06/23/08.