IMPORTANT: By selecting any of the links below, next to any of these products, you agree that you have first selected and reviewed the corresponding brochure. All products and riders may not be available in all states. Certain variations to products, rates, features, riders, and guarantees may exist based on your state of residences. Check with the experts at AnnuityGrader® at 800-456-5907 for availability/modifications in your state. Rates may change without notice. Call for the most current rates.

Withdrawals are subject to taxes, including a tax penalty for withdrawals prior to
age 59 ½.

Last update 12/23/2008

Annuity Grader® Rank Company	Product Name	Term	Surrender Charges	Index Crediting Method How do these work?	Minimum Interest Rate Guarantees	Penalty Free Withdrawals	Benefit Riders	Company Strength (1-5 scale) What is a Comdex Rating	Brochure
Request Free Personalized Report Report Card	Envoy 6	9(can receive full account value penalty free after 6 years)	9 years 9%,9,9, 9,8,7,6, 5,4%	Annual Point to Point S&P 500® & EuroStoxx 50® (70/30 split)	2% on 100% of the premium	10% immediate	Nursing Home Terminal Illness Waiver Death Benefit is Accumulated  Value Income Protector Withdrawal Benefit	5	Brochure
Request Free Personalized Report	Index Advantage	5yrs.	5 years 9,9,8, 7,6%	Annual Point to Point Participation Rate Fixed Rate Plus Fixed Rate	2% on 100% of Premium	10% Immediate	Nursing Home Terminal Illness Waiver	4	Brochure
Request Free Personalized Report	Secure Index  Five	5yrs.	5 years 8%,7.50, 6.50, 5.50, 4.50%	Annual Point to Point  Monthly Average Index Spread Point to Point Participation Index Monthly Point to Point Fixed Rate	1.5% on 100% of Premium	After 1st year, 10% per year	Nursing Home Terminal Illness Waiver Death Benefit is Accumulated  Value Income Protector Withdrawal Benefit	5	Brochure
Request Free Personalized Report Lincoln National	Optichoice Five	5yrs.	5 years 9%,8,7 6,5%	Annual point to point Monthly Point to Point Cap Monthly Average  (All linked to the S&P 500 index®)	1.25% on 100% of  Premium	10% per year Immediate	Nursing Home Terminal Illness Waiver Lifetime Income  Rider	5	Brochure
Request Free Personalized Report	Vision Advantage	5yrs.	5 years 9,7,6, 5,4%	Fixed Rate Point to Point Cap Participation Index Monthly Avg Index Spread (All linked to the S&P 500 index®)	2% on 90% of Premium	After 1st year, 10% per year	Nursing Home	5	Brochure
Request Free Personalized Report	Mainstreet Four	4yrs.	4 years 9%,8,7, 6%	Annual Point to Point (Indexes Available) S&P 500®  Dow Jones Industrial® S&P400® Russell  2000® NASDAQ- 100® EuroStoxx 50® Lehman Bros Aggregate Bond Index® Fixed Rate	3% on 87 1/2% of the Premium	After 1st year, 10% per year	Nursing Home Confinement	4	Brochure

 

 

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