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Highlights

• Issue ages 0-95
• Minimum Premium - $20
• Maximum Premium - $50,000
• Waiver of Withdrawl Charge, Waiver of Premium
• Disability Waiver
• Can withdraw up to 10% each year without a withdrawl charge (see product guide for details)
• Minimum Guaranteed Interest Rate - 1% - 3%
• NO sales or maintenance charges - NO policy fee

When you download the software, you will be asked for a code. The code is "EXPERIENCE"

Some states may not be listed - please click here for materials and information for other states

Highlights

• Issue ages 0-95
• Minimum Premium - III: $2,000 (qualified) ; IV: $10,000 (non-qualified)
• Maximum Premium - III: $250,000 ; IV: $500,000
• Waiver of Withdrawl Charge
• Can withdraw up to 10% each year without a withdrawl charge (see product guide for details)
• Minimum Guaranteed Interest Rate - 1% - 3%
• NO sales or maintenance charges - NO policy fee

When you download the software, you will be asked for a code. The code is "EXPERIENCE"

Some states may not be listed - please click here for materials and information for other states

Highlights

• Issue ages 18-85
• Overnight Hospital Stay Coverage including a no lifetime limit on drugs, doctor visits, and private nurse
• In or Out of the Hospital Coverage including anesthesia, blood, radiation, chemo, drugs, hospice care, ambulance and travel
• Medical Equipment Coverage
• Optional Benefits include Death Benefit & Policy Lapse
• Simple Application process
• Guaranteed Renewable
• Benefits are paid direct to the client or to whom they choose and are paid in addition to any other insurance they may have

Some states may not be listed - please click here for materials and information for other states

Highlights

• Issue ages: For "Life Only" and "Life with Cash Refund" payment schedules, the maximum issue age is 85. For "Certain Period", "Life with Certain Period", or "Life with Installment Refund" payment schedules, contracts may be issued to age 99. Not available in NY.
• Offers clients the choice of : Payments for as long as they live, for a certain period (5-30 years), as long as they live & for a certain period, as long as they live with an installment refund, or as long as they live with a cash refund.
• Depending on the option selected, this plan can provide payments for your client & their spouse (if they choose a Joint Annuity Option) or your client's beneficiary (should your client die prematurely)
• Minimum Purchase Amount - $10,000
• Maximum Purchase Amount - $1,000,000 (over this amount requires Home Office Approval)

ING

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Highlights

• Initial Rate Guarantee Period - 5, 7, or 10 years
• Minimum Initial Contribution - $15,000
• Maximum Issue Age - 80
• Registered: No
• Minimum Contribution Without Approval - $1,000,000
• Lines of Business Available - NQ, IRA-Regular, IRA-Rollover, IRA-SEP, Roth IRA, SIMPLE IRA, Non-ERISA 403(b), Qualified other, 457, 401(k).
• Special Features: Extended Medical Care or Terminal Condition Waiver, Free Withdrawl Provision, Annuitization, Market Value Adjustment, Nursing Home Waiver/Terminal Illness Waiver, Death Benefit, Statement Frequency, Systematic Withdrawls

Some states may not be listed - please click here for materials and information for other states

Highlights

• Initial Rate Guarantee Period - 5, 6, 7, 8, 9, or 10 years
• Minimum Single Premium - $10,000 NQ ; $5,000 Q
• Maximum Issue Age - 80
• Registered: Yes
• States NOT approved - CA, IL, NJ, NY, OR, VA
• Contract Types - NQ and Q - Traditional Roth IRA, Roth IRA, SEP
• Special Features: Market Value Adjustment, Death Benefit, Interest Withdrawal Amount, Extended Medical Care or Terminal Condition Waiver
• The surrender charge will ne 8% in the first contract year and will reduce by 1% per year for 8 years or until the end of the initial Guarantee Period, whichever comes first. After the initial Guarantee Period, the surrender charge will be 0%

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Highlights

• Minimum Initial Premium - $10,000 NQ and Q
• Maximum Issue Age - 90 for Life Options and NO Guarantees, 95 for period Certain Options and Life Options with a guarantee period. NOTE - Guarantee period can not extend beyond age 100 for NQ contracts or past life Expectancy for Q contracts
• Approved in all states
• Registered: Yes
• Acceptable Qualified Business - Transfer/Rollover 401(k), IRA, 457 Government and non-government, 401(a), Roth IRA, 501c3
• Special Features: Tax-free transfers, Free Withdrawal Provision, Fixed Account Options, NO annual contract fee, Standard Death Benefit (varies by plan options), and more!

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Highlights

• Minimum Initial Premium - $15,000
• Maximum Contribution Without Approval - $2,000,000
• Maximum Issue Age NQ - 80
• Maximum Issue Age NQ/Q - Age 35-80 (owner and annuitant) for life contingent payouts; age 0-100 for period certain payout options
• Increasing Payout Option - Clients with a Fixed Period Certain option can select annual payment increases of 3% or 6%. Clients with other options can select annual payment increases of 3%. For Joint Life options with Increasing Payout, 100% to survivor must be chosen. The Increasing Rate is compunded annually regardless of frequency selected.
• Registered: No
• Acceptable Qualified Business - IRA, 457, 401(k), IRA Rollover, Spousal IRA, Roth, Simple IRA, SEP-IRA, Keogh, Qualified-other, Non-Qualified

Envoy Nine - Fixed Index Annuity

• Minimum Guaranteed Contract Value - The cash surrender value will not be less than 100% of all premiums less withdrawals, surrender charges and premium taxes, if applicable, accumulated at the applicable minimum guaranteed strategy value rate for the first nine contract years. The initial minimum guaranteed strategy value rates are set at contract issue and will not change for nine years (subject to change annually thereafter).
• Maximum Issue Age - 80
• Minimum Guarantee - The Fixed Rate Strategy's minimum guaranteed interest rate is 1.5% and is not tied to the minimum guaranteed strategy value rates. The interest rate credited to the Fixed Rate Strategy will be at least equal to the minimum guaranteed interest rate.
• Cash Surrender Value - The cash surrender value equals the greater of the accumulation value adjusted for any market value adjustment less any surrender charge, or the minimum guaranteed contract value.
• Premium -

1. $15,000 minimum initial premium
2. $5,000 minimum subsequent premium
3. No minimum premium per strategy
4. $1 million maximum premium without prior home office approval.
5. Additional premium payments are credited with their own separate interest rate, index cap and participation rate for theirown indexing period. For each premium, interest is credited based on the new money rate in effect at the time thepremium is received and is guaranteed for one year.

• Market Value Adjustment, Annuitization, Income Protector Withdrawal Benefit, Death Benefit, Free Withdrawal Provisions

Envoy Six - Fixed Index Annuity

• Minimum Guaranteed Contract Value - The cash surrender value will not be less than 100% of all premiums less withdrawals, surrender charges and premium taxes, if applicable, accumulated at the applicable minimum guaranteed strategy value rate for the first nine contract years. The initial minimum guaranteed strategy value rates are set at contract issue and will not change for nine years (subject to change annually thereafter).
• Maximum Issue Age - 80
• Minimum Guarantee - The Fixed Rate Strategy's minimum guaranteed interest rate is 1.5% and is not tied to the minimum guaranteed strategy value rates. The interest rate credited to the Fixed Rate Strategy will be at least equal to the minimum guaranteed interest rate.
• Cash Surrender Value - The cash surrender value equals the greater of the accumulation value adjusted for any market value adjustment less any surrender charge, or the minimum guaranteed contract value.
• Premium -

1. $15,000 minimum initial premium
2. $5,000 minimum subsequent premium
3. No minimum premium per strategy
4. $1 million maximum premium without prior home office approval.
5. Additional premium payments are credited with their own separate interest rate, index cap and participation rate for theirown indexing period. For each premium, interest is credited based on the new money rate in effect at the time thepremium is received and is guaranteed for one year.

• Market Value Adjustment, Annuitization, Income Protector Withdrawal Benefit, Death Benefit, Free Withdrawal Provisions

Secure Index Five - Flexible Prem. Deferred

• Maximum Issue Age - 80
• Minimum guaranteed contract value is equal to the sum of the minimum guaranteed strategy values less surrender charges. The minimum guaranteed strategy value for each strategy is 100% of the premium elected to the strategy, accumulated at the minimum guaranteed strategy value rate (MGSVR). Strategies: Fixed Rate Strategy (FRS), Point-to-Point Participation Index Strategy (PPI), Point-to-Point Cap Index Strategy (PCI), Monthly Average Index Strategy (MAI), Monthly Cap Index Strategy
• Free Withdrawal Provisions, Death Benefit, Nursing Home/Terminal Illness Waiver, ROP Rider, ING IncomeProtector/ING Joint IncomeProtector Withdrawal Benefit
• Annuitization available after the first contract year. Greater of minumum guaranteed contract v alue or accumulation value. Must annuitize for at least 10 years.
• Minimum Initial Contribution - $15,000, Q & NQ
• Banding - Low Band $15,000 to $74,000 ; High Band $75,000 +

Secure Index Opportunities Plus

• Minimum Guaranteed Contract Value is equal to the sum of the minimum guaranteed strategy values. The minimum guaranteed strategy value for each strategy is 87.5% of the premium elected to the strategy, accumulated at the minimum guaranteed strategy value rate (MGSVR).
• Strategies : FRS, PPI, PCI, MAI, MCI
• Bonus - A percentage of the single premium paid. Credited at contract issue and is applied pro rata to each strategy iin the same ratio as the premium elected to that strategy.
• MVA - During the forst 10 contract years
• Minimum Initial Contribution - $15,000 Q & NQ
• Maximum Issue age - 80
• Maximum Premium without approval - $1,000,000
• Free Withdrawal Provisions, Annuitization after first contract year, NUrsing Home/Terminal Illness Waiver, MGSRV, Strategy Re-Elections, ING IncomeProtector/ING IncomeProtector Withdrawal Benefit

Secure Index Seven

• Minimum Initial Contribution $15,000 Q & NQ
• Premiums received of $75,000 or more may receive a different Participation Rate, Index Cap or Index Spread than premiums of less than $75,000. The total of premiums paid during the first contract year will be used to determine premium banding
• Maximum Issue age - 80
• Minimum Guaranteed Contract Value is equal to the sum of the Minimum Guaranteed Strategy Values less Surrender Charges. The Minimum Guaranteed Strategy Value for each strategy is 100% of the premium elected to the strategy, accumulated at the Minimum Guaranteed Strategy Value Rate (MGSVR).
• Straegies available - FRS, PPI, PCI, MAI, MCI
• Annuitization available after first contract year
• MGSRV is set on the contract date and will not change for the first 7 years
• Free Withdrawal Provisions, Death Benefit, Nursing Home/Terminal Illness Waiver, ING IncomeProtector/ING Joint IncomeProtector Withdrawal Benefit

Select Multi Index 5

• Issue ages 0-75 owner and annuitant
• Registered - Yes
• Cash Surrender value equals the greater of the accumulation value less any surrender charge or the minimum guaranteed contract value
• Premium : $15,000 Minimum initial premium, $5,000 minimum subsequent premium (during first contract year only), No minimum premium allocation per strategy or index
• Annuitization is available after the first contract anniversary, but must occue before the contract anniversary following the annuitant's 85th birthday, when is referred to as the maturity date
• Available indexes - S&P 500, S&P Mid Cap 400, Russell 2000, EURO STOXX 50
• Extended Medical Care or Terminal Illness Condition Waiver, Death benefit

Select Multi Index 7

• Issue ages 0-75 owner and annuitant
• Registered - Yes
• Cash Surrender value equals the greater of the accumulation value less any surrender charge or the minimum guaranteed contract value
• Premium : $15,000 Minimum initial premium, $5,000 minimum subsequent premium (during first contract year only), No minimum premium allocation per strategy or index
• Annuitization is available after the first contract anniversary, but must occue before the contract anniversary following the annuitant's 85th birthday, when is referred to as the maturity date
• Available indexes - S&P 500, S&P Mid Cap 400, Russell 2000, EURO STOXX 50
• Extended Medical Care or Terminal Illness Condition Waiver, Death benefit