CHOOSE THE CLIENT’S PREMIUM GOAL

Accumulation/Death Benefit+

American Equity Bonus Gold, Retirement Gold, Foundation Gold, Traditions Gold, Advantage Gold or Benefit Gold

Reason: 10%, 8%, 7%, 5% or 0% bonus depending on product. Death Benefit Enhancement rider available – guarantees death benefit will grow at 4% compound interest for up to 20 yrs or to age 85, whichever occurs first.
Surrender Charges: vary
Min. Premium: $5,000
Issue Ages: 18-78 or 80

F&G Accumulator Plus 10 & 14

Reason: No bonus or guaranteed death benefit
feature, but high caps.
Surrender Charges: 10 or 14 yrs
Min. Premium: $10,000
Issue Ages: 0-85 for 10; 0-80 for 14

F&G Prosperity Elite 7, 10 or 14 with Protection
Package

Reason: 4, 7 or 8% vested bonus (2, 3.5 & 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.
Surrender Charges: 7, 10 or 14 yrs
Min. Premium: $10,000
Issue Ages: 0-85

Phoenix Personal Retirement Choice

Reason: 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.
Surrender Charges: 12 or 10 yrs
Min. Premium: $15,000
Issue Ages: 0-80
Death Benefit Only+

American Equity Bonus Gold, Retirement Gold, Foundation Gold or Traditions Gold with Death Benefit Enhancement rider

Reason: 10%, 8%, 7% or 0% bonus, depending on product. DB Enhancement rider guarantees the death benefit will grow at 4%
compound interest for the earlier of 10 yrs (with additional 10 yr reset) or age 85. Enhanced death benefit must be taken
over 5 yrs. Cost of rider is 0.70% of contract value each yr.
Surrender Charges: 16 or 10 yrs
Min. Premium: $5,000
Issue Ages: 18 – 78 or 80

F&G Prosperity
Elite with Enhancement Package

Reason: 2, 4 or 5% vested bonus (reduced by 1/2 ages 76-85), higher caps. Guaranteed Minimum DB guarantees the death benefit will grow at 4% simple interest for earlier of up to 10 yrs or age 85. Lump sum payment of guaranteed DB. Cost is 0.40% of contract value ea yr.
Surrender Charges: 7, 10 or 14 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Prosperity Elite with Protection Package

Reason: 4, 7 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 1.10% of contract value ea yr.
Surrender Charges: 7, 10 or 14 yrs
Min. Premium: $10,000
Issue Ages: 0-85

Forthought Income 125

Reason: with Increased Death Benefit Guarantee rider: death benefit guaranteed to be no less than premium – withdrawals at 5% interest for 10 yrs or age 85 if earlier. Available issue ages 0-75. Cost is 1.10% ea yr.
Surrender Charges: 10 yrs
Min. Premium: $25,000
Issue Ages: 0-85

Forthought Index Bonus 115

Reason: 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. Available issue ages 0-75. Cost is 1.25% ea yr.
Surrender Charges: 10 yrs
Min. Premium: $25,000
Issue Ages: 0-85

Phoenix Personal
Protection Choice

Reason: 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.
Surrender Charges: 10 yrs
Min. Premium: $15,000
Issue Ages: 0-85
Fixed Annuity (not Index)+

American Equity Guarantee 5, 6 & 7

Reason: Fixed annuity with 5 yr, 6 yr or 7 yr surrender charge. No income rider.
Surrender Charges: 5, 6 or 7 yrs
Min. Premium: $10,000
Issue Ages: 18-85

American Equity Premier Eagle 10

Reason: 10% immediate bonus also added to any premium pd first 5 yrs (5% ages 76-80). Income rider available: 4% or 6.5% compound interest for up to 20 years. Income available 2nd policy year if age 50+.
Surrender Charges: 15 yrs to age 75, 10 yrs ages 76-80
Min. Premium: $5,000 NQ, $2,000 Q
Issue Ages: 18-80

American Equity Premier Eagle 12

Reason: 8% vested bonus over 14 yrs. Income rider available: 4% or 6.5% compound interest for up to 20 years. Income available 2nd policy year if age 50+.
Surrender Charges: 10 yrs
Min. Premium: $5,000 NQ, $2,000 Q
Issue Ages: 18-78

F&G Guarantee Platinum 3, 5 & 7

Reason: 3, 5 or 7 yr surrender charge. No income rider.
Surrender Charges: 3, 5 or 7 yrs
Min. Premium: $5,000 NQ, $2,000 Q
Issue Ages: 0-90

F&G Retirement Pro

Reason: 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+)
Surrender Charges: 10 or 12 yrs
Min. Premium: $10,000
Issue Ages: 0-80

Forethought Secure Income 125

Reason: 25% income bonus then income account (not contract account) grows at 5% for 10 yrs. Can’t take income until after age 59 1/2 & first contract yr
Surrender Charges: 10 yrs
Min. Premium: $25,000
Issue Ages: 0-85
Immediate Annuity+

American Equity SPIA

Reason: Competitive interest rates
Surrender Charges: N/A
Min. Premium: $10,000
Issue Ages: 18-90

F&G Immediate Income SPIA

Reason:
Surrender Charges: N/A
Min. Premium: $10,000
Issue Ages: 0-100
Long Term Care+

American Equity Bonus Gold, Retirement Gold or Traditions Gold Plus with Wellbeing rider

Reason: 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.
Surrender Charges: 16 or 10 yrs
Min. Premium: $5,000
Issue Ages: 18 – 78 or 80

F&G Prosperity Elite with Protection Package

Reason: 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.
Surrender Charges: 7, 10 or 14 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Retirement Pro

Reason: 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.
Surrender Charges: 10 or 12 yrs
Min. Premium: $10,000
Issue Ages: 0-80

F&G Safe Income Plus

Reason: 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.
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-80

Phoenix Personal Protection Choice with Care Protection Benefit

Reason: 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.
Surrender Charges: 10 yrs
Min. Premium: $15,000
Issue Ages: 0-85
Retirement Income in 1-3 yrs+

Amer Equity Bonus Gold, Retirement Gold or Foundation Gold

Reason: 10% immediate bonus (Bonus Gold) or 8% vested bonus (Retirement Gold) or 7% vested bonus (Foundation Gold) & 6.5% (for 20 yrs) or 7% (for 10 yrs) compounded lifetime income. Income available 2nd policy yr (ages 50+).
Surrender Charges: 16 yrs & 10 yrs
Min. Premium: $5,000
Issue Ages: 18-78 or 80

F&G Accumulator Plus 10

Reason: No bonus but high caps & 6.75% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Index
Choice 10

Reason: 3% bonus & 6% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Prosperity Elite 10 with Protection Package

Reason: 7% (3.5% ages 76-85) vested bonus & 6.5% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Retirement Pro

Reason: 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+)
Surrender Charges: 10 or 12 yrs
Min. Premium: $10,000
Issue Ages: 0-80

F&G Safe Income Plus

Reason: 8% vested bonus & 6.75% 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+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-80

Forethought Income 125

Reason: 25% income bonus then income account (not contract account) grows at 5% for 10 yrs. Can’t take income until after age 59 1/2 & first contract yr
Surrender Charges: 10 yrs
Min. Premium: $25,000
Issue Ages: 0-85

Phoenix Personal Income Annuity or Personal Protection Choice with Income Today rider

Reason: 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+).
Surrender Charges: 10 yrs
Min. Premium: $15,000
Issue Ages: 0-85
Retirement Income in 4-10+yrs+

Amer Equity Bonus
Gold, Retirement Gold or Foundation Gold

Reason: 10% immediate bonus (Bonus Gold) or 8% vested bonus (Retirement Gold) or 7% vested bonus (Foundation Gold) & 4%, 6.5% or 7% compounded income rider can accumulate up to 20 yrs (10 yrs for 7%). Usually provides the highest income of all products. Income available 2nd policy yr (ages 50+).
Surrender Charges: 16 yrs & 10 yrs
Min. Premium: $5,000
Issue Ages: 18-78 or 80

F&G Accumulator Plus 10

Reason: No bonus but high caps & 6.75% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Index Choice 10

Reason: 3% bonus & 6% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages
50+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Prosperity Elite 10 with Protection Package

Reason: 7% (3.5% ages 76-85) vested bonus & 6.5% compounded income rider can accumulate up to 20 yrs. Income available 2nd policy yr (ages 50+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-85

F&G Retirement Pro

Reason: 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+)
Surrender Charges: 10 or 12 yrs
Min. Premium: $10,000
Issue Ages: 0-80

F&G Safe Income Plus

Reason: 8% vested bonus & 6.75% 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+).
Surrender Charges: 10 yrs
Min. Premium: $10,000
Issue Ages: 0-80

Forethought Income 125

Reason: 25% income bonus then income account (not contract account) grows at 5% simple interest for 10 yrs. Can’t take income until after age 59 1/2 & first contract yr
Surrender Charges: 10 yrs
Min. Premium: $25,000
Issue Ages: 0-85

Forethought Index Bonus 115

Reason: 15% income bonus then income account (not contract account) grows at 6% simple interest for 10 yrs. Can’t take income until after age 59 1/2 & first contract yr
Surrender Charges: 10 yrs
Min. Premium: $25,000
Issue Ages: 0-85

Phoenix Personal Income Annuity with Income Tomorrow
rider

Reason: No bonus. GMWB Income Tomorrow rider – income account (not contract account) accumulates at 14% simple interest for 10 yrs (can reset another 10 yrs)
Surrender Charges: 10 yrs
Min. Premium: $15,000
Issue Ages: 0-85

Phoenix Personal Retirement Choice

Reason: 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)
Surrender Charges: 12 or 10 yrs
Min. Premium: $15,000
Issue Ages: 0-80
Retirement Income in next 12 months+

American Equity or F&G Single Premium Immediate Annuity (SPIA)

Reason: 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.
Surrender Charges: N/A
Min. Premium: varies
Issue Ages: varies

Phoenix Personal Income Annuity or Personal Protection Choice with Income Today rider

Reason: 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+).
Surrender Charges: 10 yrs
Min. Premium: $15,000
Issue Ages: 0-85
Short-term growth+

American Equity Choice 6, 8 & 10

Reason: Indexed annuity with 6, 8 or 10 yr surrender charge. No bonus, higher caps, optional income rider.
Surrender Charges: 6, 8 or 10 yrs
Min. Premium: $10,000
Issue Ages: 18-80

American Equity Guarantee 5, 6 & 7

Reason: Fixed annuity with 5 yr, 6 yr or 7 yr surrender charge
Surrender Charges: 5, 6 or 7 yrs
Min. Premium: $10,000
Issue Ages: 18-85

F&G Guarantee Platinum 3, 5 & 7

Reason: Fixed annuity with 3, 5 or 7 yr surrender charge.
Surrender Charges: 3, 5 or 7 yrs
Min. Premium: $10,000
Issue Ages: 0-90

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