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Loyal American Life
Loyal Generation
(RETIRED)
A Fixed Indexed Annuity with a 15-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
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A.M. Best : A |
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Fitch: AA |
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Standard & Poor's: A |
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Rates
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Current Rates
xx/xx/xxxx |
Guaranteed
Minimum Values |
| Band $10,000+ |
Cap |
Spread |
Part Rate |
Cap |
Spread |
Part Rate |
| S&P 500 Annual Point-to-Point
|
***
|
*** |
***
|
*** |
*** |
*** |
| S&P 500 Daily Average
|
***
|
*** |
***
|
*** |
*** |
*** |
| S&P 500 Monthly Average
|
***
|
*** |
***
|
*** |
*** |
*** |
| S&P 500 Monthly Average with No Cap
|
***
|
*** |
***
|
*** |
*** |
*** |
| Declared Rate Strategy
(Rate guaranteed for 1
Year)
|
*.** %
|
*.** %
|
| Purchase Payment Account
(Rate guaranteed for 1
Year)
|
*.** %
|
*.** %
|
| Band $100,000+ |
Cap |
Spread |
Part Rate |
Cap |
Spread |
Part Rate |
| S&P 500 Annual Point-to-Point
|
***
|
*** |
***
|
*** |
*** |
*** |
| S&P 500 Daily Average
|
***
|
*** |
***
|
*** |
*** |
*** |
| S&P 500 Monthly Average
|
***
|
*** |
***
|
*** |
*** |
*** |
| S&P 500 Monthly Average with No Cap
|
***
|
*** |
***
|
*** |
*** |
*** |
| Declared Rate Strategy
(Rate guaranteed for 1
Year)
|
*.** %
|
*.** %
|
| Purchase Payment Account
(Rate guaranteed for 1
Year)
|
*.** %
|
*.** %
|
|
State Specified Minimum Interest Rate: ****
Premium Bonus by Age
| Year: |
1 |
2 |
3 |
|
|
Age 55 to 84
|
****
|
****
|
****
|
|
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Age 85+
|
****
|
****
|
****
|
|
A Fixed-Indexed Annuity with a bonus of 7.5% for ages through age 55 and 5.5% for ages 56+. The surrender period lasts 15 years for issue ages through 55 and 10 years for ages 56+. This annuity offers 6 interest-e --[ subscription required to view full text ]--
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Provisions
| Free Look Period: |
****
|
| (Free look period may vary by state) |
| Rate Lock Protection: |
****
|
| Bail Out Provision Available: |
*** |
| *** *** ***: |
**** |
| Loan Provision Available: |
*** |
| *** *** ***: |
**** |
| Tax Sheltered: |
*** |
|
| Market Value Adjustment: |
*** |
| MRD: |
*** |
| Front-End Fee: |
*** |
| Annual Maintenance Fee: |
*** |
| Return of Premium Available: |
*** |
| Death Benefit is: |
*** **** |
|
Premiums
| |
Non-Qual |
Qualified |
| Min Single Premium: |
**** |
******* |
| Max Single Premium: |
|
|
| Age < xx: |
**** |
******* |
| Age > xx: |
**** |
******* |
| Payroll Deduction: |
**** |
**** |
| Min Added Premium: |
**** |
**** |
| Flexible Premiums ******* : |
****
|
|
| Min Single Premium Impaired: |
****** |
****** |
| Min Single Premium Period Certain: |
****** |
****** |
|
|
Age Restrictions
| |
Min Age |
Non-Qual
| Qualified
|
| Owner: |
|
***** |
***** |
| Annuitant: |
***** |
***** |
***** |
| Impaired: |
|
***** |
***** |
| Annuitization Age: |
|
***** |
***** |
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|
|
|
|
Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
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*** *** ****** *** $****.**
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Commissions
| Effective date of commission schedule: 02/01/2008 |
|
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
|
|
Loyal Generation
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
| Renewal Premiums: |
**** |
**** |
**** |
**** |
| Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
| Renewal Premiums: |
**** |
**** |
**** |
**** |
| Ages 81-85 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
| Renewal Premiums: |
**** |
**** |
**** |
**** |
Related Information
Available Subscriptions
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Additional Information
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