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Information contained within is a general overview. Check state specific applications & carrier underwriting guidelines for details for each state.

Client Goal Possible Products* Reason for product choice* Surrender Charges* Minimum Premium* Issue Ages*
Accumulation/Death Benefit American Equity Bonus Gold, Retirement Gold, Foundation Gold, Traditions Gold or Choice Series 10%, 8%, 7% or 0% bonus depending on product. Good for accumulation due to bonus or higher caps. vary $10,000 18-78 or 80
F&G Prosperity Elite 7, 10 or 14 with Protection Package 4, 6 or 8% vested bonus (2, 3 & 4% ages 76-85), higher caps. Guaranteed Minimum Death Benefit guarantees death benefit will grow at 5% simple interest for 10 yrs or to age 85, whichever occurs first. 7, 10 or 14 yrs $10,000 0-85
F&G Accumulator Plus 10 & 14 No bonus or guaranteed death benefit feature, but high caps. 10 or 14 yrs $10,000 0-85 for 10; 0-80 for 14
National Western Ultra Future 9% immediate bonus (in most states). No guaranteed death benefit feature. 15 yrs $5,000 NQ, $2,000 Q 0-80
National Western Impact 10 7% bonus vested over 10 years 10yrs $5,000 NQ, $2,000 Q 0-80
Phoenix Personal Retirement Choice 15%, 12% or 8% vested bonus on contract account (depending on state & whether income rider is chosen). Bonus is taken back at death during the vesting period (first 10-13 yrs) in certain states. 12 or 10 yrs $15,000 0-80
Death Benefit only American Equity Bonus Gold, Retirement Gold, Foundation Gold, Traditions Gold or Choice Series 10%, 8%, 7% or 0% bonus, depending on product. Good for accumulation due to bonus or higher caps. 16 or 10 yrs $10,000 18 - 78 or 80
F&G Prosperity Elite with Protection Package 4, 6 or 8% vested bonus (reduced by 1/2 ages 76-85), higher caps. Guaranteed Minimum DB guarantees the death benefit will grow at 5% simple interest for the earlier of 10 yrs or age 85. Lump sum payment of guaranteed DB. Cost is 1.30% of contract value ea yr. 7, 10 or 14 yrs $10,000 0-85
F&G Prosperity Elite with Enhancement Package 2, 3 or 5% vested bonus (reduced by 1/2 ages 76-85), higher caps. Guaranteed Minimum DB guarantees the death benefit will grow at 5% simple interest for earlier of up to 10 yrs or age 85. Lump sum payment of guaranteed DB. Cost is 0.50% of contract value ea yr. 7, 10 or 14 yrs $10,000 0-85
Phoenix Personal Protection Choice with Family Protection Benefit (Guar Minimum DB) - lump sum death benefit with guaranteed simple interest of 5% (ages 71-85) or 10% (ages 0-70) for earlier of up to 10 yrs or age 85. Cost is 1.15% of Guar Min DB base ea yr. 10 yrs $15,000 0-85
National Western Ultra Future 9% immediate bonus (in most states) 15 yrs $5,000 NQ, $2,000 Q 0-80
National Western Ultra Classic No bonus. Accidental Death benefit is paid in addition to death benefit if annuitant dies in an accident. Equals total premiums paid less withdrawals. Expires at age 75. Max is $250k. 13 yrs $5,000 NQ, $2,000 Q 0-80
National Western Impact 10 7% bonus vested over 10 years 10yrs $5,000 NQ, $2,000 Q 0-80
Global Atlantic (Forthought) Income 125+ with Increased Death Benefit Guarantee rider: death benefit guaranteed to be no less than premium - withdrawals at 5% interest to age 85 or until death benefit is equal to 200% of premiums paid. Available issue ages 0-75. 10 yrs $10,000 0-85
Global Atlantic (Forthought) Index Bonus 115 with Increased Death Benefit Guarantee rider: death benefit guaranteed to be no less than premium - withdrawals at 5% interest ea yr to age 85 or until death benefit is equal to 200% of premium paid. Available issue ages 0-75. 10 yrs $10,000 0-85
Fixed Annuity (not Index) American Equity Premier Eagle 10 10% immediate bonus also added to any premium pd first 5 yrs (5% ages 76-80). Income rider available: 3% or 5.5% compound interest for up to 20 years. Income available 2nd policy year if age 50+. 15 yrs to age 75, 10 yrs ages 76-80 10,000 18-80
American Equity Premier Eagle 12 8% vested bonus over 14 yrs. Income rider available: 3% or 5.5% compound interest for up to 20 years. Income available 2nd policy year if age 50+. 10 yrs 10,000 18-78
American Equity Guarantee 5, 6 & 7 Fixed annuity with 5 yr, 6 yr or 7 yr surrender charge. No income rider. 5, 6 or 7 yrs $10,000 18-85
F&G Guarantee Platinum 3, 5 & 7 3, 5 or 7 yr surrender charge. No income rider. 3, 5 or 7 yrs 20,000 0-90
National Western Protector One Fixed annuity, 10 yr surrender charge, 10% penalty-free withdrawals beginning year 1 cumulative up to 50%. No income rider. 10 yrs $5,000 0-85 NQ, 0-75 Q
F&G Retirement Pro 5 or 7% vested bonus (depending on state) & no charge income rider that can earn indexed interest compounded for up to 12 yrs. Income available 2nd policy yr (ages 50+) 10 or 12 yrs $10,000 0-80
Immediate Annuity American Equity SPIA Competitive interest rates N/A $10,000 18-90
F&G Immediate Income SPIA N/A $10,000 0-100
Long Term Care American Equity Bonus Gold, Retirement Gold or Traditions Gold Plus with Wellbeing rider Income rider will be 2 times guaranteed lifetime payment for single annuitant or 1.5 times payment for joint annuitants if unable to perform 2 out of 6 ADLs. Contract must be in force min 2 yrs. Max 5 yr payout of double income. 16 or 10 yrs $10,000 18 - 78 or 80
F&G Retirement Pro GMWB income rider will be 2 times guaranteed lifetime payment for single annuitant or 1.5 times payment for joint annuitants if unable to perform 2 out of 6 ADLs. Contract must be in force min 3 yrs with no premiums for 3 yr & annuitant must be age 60+. Care must be given by a licensed caregiver & cannot be immediate family. 10 or 12 yrs $10,000 0-80
F&G Safe Income Plus GMWB income rider will be 2 times guaranteed lifetime payment for single annuitant or 1.5 times payment for joint annuitants if unable to perform 2 out of 6 ADLs. Contract must be in force min 3 yrs with no premiums for 3 yr & annuitant must be age 60+. Care must be given by a licensed caregiver & cannot be immediate family. Pays as long as meet ADL requirement & account value is above $0. 10 yrs $10,000 0-80
F&G Prosperity Elite with Protection Package GMWB income rider will be 2 times guaranteed lifetime payment for single annuitant or 1.5 times payment for joint annuitants if unable to perform 2 out of 6 ADLs. Contract must be in force min 3 yrs with no premiums for 3 yr & annuitant must be age 60+. Care must be given by a licensed caregiver & cannot be immediate family. Pays as long as meet ADL requirement & account value is above $0. 7, 10 or 14 yrs $10,000 0-85
Phoenix Personal Protection Choice with Care Protection Benefit Increases GMWB income for up to 5 yrs if confined to nursing home and/or unable to perform 2 out of 6 ADLs. Contract must be in force min 2 yrs. Medical questions required for this rider. 10 yrs $15,000 0-85
Retirement Income in 1-3 yrs Amer Equity Bonus Gold, Retirement Gold or Foundation Gold 10% immediate bonus (Bonus Gold) or 8% vested bonus (Retirement Gold) or 7% vested bonus (Foundation Gold) & 5.5% (for 20 yrs) or 6% (for 10 yrs) compounded lifetime income. Income available 2nd policy yr (ages 50+). 16 yrs & 10 yrs $10,000 18-78 or 80
F&G Retirement Pro 5 or 7% vested bonus (depending on state) & no charge income rider that can earn indexed interest compounded for up to 12 yrs. Income available 2nd policy yr (ages 50+) 10 or 12 yrs $10,000 0-80
F&G Safe Income Plus 7% vested bonus & 7% compounded income rider can accumulate up to 20 yrs. Usually provides the highest income compared to other F&G products. Income available 2nd policy yr (ages 50+). 10 yrs $10,000 0-80
F&G Accumulator Plus 10 No bonus but high caps & 6.75% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+). 10 yrs $10,000 0-85
F&G Prosperity Elite 10 with Protection Package 6% (3% ages 76-85) vested bonus & 6.25% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+). 10 yrs $10,000 0-85
National Western Ultra Future 9% immediate bonus (in most states) & 3% or 4% (+ 5% bonus) compounded income rider can accumulate indefinitely. Income available 2nd policy year (ages 60+) 15 yrs $5,000 NQ, $2,000 Q 0-80
Phoenix Personal Income Annuity or Personal Protection Choice with Income Today rider GMWB Income Today rider provides income bonus (not contract account) of 30% if income taken yr 1, 37.5% if income taken yr 2, 45% if income taken yr 3. Income available within 30 days (age 50+). 10 yrs $15,000 0-85
Global Atlantic (Forthought) Income 125+ 25% income bonus on income account (not contract account) grows at 5% compound interest for 10 yrs. Can't take income until after age 59 1/2 & first contract yr 10 yrs $10,000 0-85
Retirement Income in 4-10+ yrs Amer Equity Bonus Gold, Retirement Gold or Foundation Gold 10% immediate bonus (Bonus Gold) or 8% vested bonus (Retirement Gold) or 7% vested bonus (Foundation Gold) & 3%, 5.5% or 6% compounded income rider can accumulate up to 20 yrs (10 yrs for 6%). Usually provides the highest income of all products. Income available 2nd policy yr (ages 50+). 16 yrs & 10 yrs $10,000 18-78 or 80
F&G Safe Income Plus 7% vested bonus & 7% compounded income rider can accumulate up to 20 yrs. Usually provides the highest income compared to other F&G products. Income available 2nd policy yr (ages 50+). 10 yrs $10,000 0-80
F&G Retirement Pro 5 or 7% vested bonus (depending on state) & no charge income rider that can earn indexed interest compounded for up to 12 yrs. Income available 2nd policy yr (ages 50+) 10 or 12 yrs $10,000 0-80
F&G Accumulator Plus 10 No bonus but high caps & 6.75% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+). 10 yrs $10,000 0-85
F&G Prosperity Elite 10 with Protection Package 6% (3% ages 76-85) vested bonus & 6.25% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+). 10 yrs $10,000 0-85
National Western Ultra Future 9% immediate bonus (in most states) & 3% or 4% (+5% bonus) compounded income rider can accumulate indefinitely. Income available 2nd policy year (ages 60+) 15 yrs $5,000 NQ, $2,000 Q 0-80
National Western Impact 10 7% bonus vested over 10 years & 3% or 4% (+5% bonus) compounded income rider can accumulate indefinitely. Income available 2nd policy year (ages 60+) 10yrs $5,000 NQ, $2,000 Q 0-80
Phoenix Personal Income Annuity with Income Tomorrow rider No bonus. GMWB Income Tomorrow rider - income account (not contract account) accumulates at 14% simple interest for 10 yrs (can reset another 10 yrs) 10 yrs $15,000 0-85
Phoenix Personal Retirement Choice 15%, 12% or 8% vested bonus on contract account (depending on state & whether income rider is chosen). Guaranteed lifetime income rider - income account (not contract account) accumulates at 8% simple interest for 12 yrs (can reset for another 12 yrs) 12 or 10 yrs $15,000 0-80
Global Atlantic (Forthought) Income 125+ 25% income bonus on income account (not contract account) grows at 5% compound interest for 10 yrs. Can't take income until after age 59 1/2 & first contract yr 10 yrs $10,000 0-85
Global Atlantic (Forethought) Index Bonus 115 15% income bonus on income account (not contract account) grows at 6% compound interest for 10 yrs. Can't take income until after age 59 1/2 & first contract yr. 10 yrs $10,000 0-85
Retirement Income in next 12 months Phoenix Personal Income Annuity or Personal Protection Choice with Income Today rider GMWB Income Today rider provides income bonus (not contract account) of 30% if income taken yr 1, 37.5% if income taken yr 2, 45% if income taken yr 3. Income available within 30 days (age 50+). 10 yrs $15,000 0-85
American Equity or F&G Single Premium Immediate Annuity (SPIA) Converts lump sum payment into immediate income stream with no further access to the lump sum. Not as flexible as Phoenix Personal Income Annuity or Personal Protection Choice. Income available within 30 days. N/A $10,000 varies
Short-term growth American Equity Guarantee 5, 6 & 7 Fixed annuity with 5 yr, 6 yr or 7 yr surrender charge 5, 6 or 7 yrs $10,000 18-85
American Equity Choice 6, 8 & 10 Indexed annuity with 6, 8 or 10 yr surrender charge. No bonus, higher caps, optional income rider. 6, 8 or 10 yrs $10,000 18-85 on choice 6 & 8, ages 18-80 on choice 10
F&G Guarantee Platinum 3, 5 & 7 Fixed annuity with 3, 5 or 7 yr surrender charge. 3, 5 or 7 yrs $20,000 0-90
National Western Ultra Classic Indexed annuity with 10% surrender penalty-free withdrawals after first policy year, cumulative to up to 50% in year 6 13 yrs $5,000 NQ, $2,000 Q 0-80
National Western Impact 7S Indexed annuity with 5% bonus vested over 10 years, 7 yr surrender charge, 10% penalty-free withdrawals beginning in year 2 7 yrs $5,000 NQ, $2,000 Q 0-80
National Western Protector One Fixed annuity, 10 yr surrender charge, 10% penalty-free withdrawals beginning year 1 cumulative up to 50% 10 yrs $5,000 0-85 NQ, 0-75 Q