BSMG National Rates
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FIXED INDEX ANNUITY
Week of May 29, 2023
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FEATURED INCOME RIDER – 9% Annual Income Credits
Lifetime Income Plus Flex | Income starting at age 67* | Income starting at age 72* | RATINGS -BEST|S&P|COMDEX A|A+|80 | ||
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![]() | Single Life | $10,078 (6.95% withdrawal rate) | $14,155 (7.45% withdrawal rate) | 1.10% annual rider charge | |
10.07% cash flow*** | 14.15% cash flow*** | Not Available In: NY | |||
Joint Life** | $9,353 (6.45% withdrawal rate) | $13,205 (6.95% withdrawal rate) | |||
9.35% cash flow*** | 13.20% cash flow*** | ||||
*Income assumes 62 year old with $100,000 initial deposit **Joint Life income is based on the youngest spouse's age at time of income withdrawal *** Cash flow based on initial investment |
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3 YEAR
Landmark 3 MVA | $150,000+ | $50,000 - $149,999 | RATINGS - BEST|S&P|COMDEX A+|A+|93 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 7.50% | 7.25% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, PA, UT |
|
POINT TO POINT CAP (iShares US Real Estate) | 8.20% | 7.95% | |||
FIXED RATE | 3.30% | 3.20% |
Landmark 3 Non-MVA | $150,000+ | $50,000 - $149,999 | RATINGS - BEST|S&P|COMDEX A+|A+|93 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 6.70% | 6.45% | Free withdrawal: 10% all years Not Available: NY Rates Only Available In: AK, PA, UT |
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POINT TO POINT CAP (iShares US Real Estate) | 7.95% | 7.45% | |||
FIXED RATE | 3.15% | 3.05% |
5 YEAR
Power 5 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 10.50% | 9.50% | Free withdrawal: 10% after 1 Year Not Available In: NY |
|
UNCAPPED S&P 500 PAR RATE | 33% | 28% | |||
VOLATILITY CONTROL | 95% (participation rate) | 70% (participation rate) | |||
FIXED RATE | 4.40% | 4.15% |
OptiBlend 5 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 9.00% | 8.10% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Lower In: CA |
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UNCAPPED S&P 500 PAR RATE | 50% | 45% | |||
VOLATILITY CONTROL SPREAD | 0.25% | 0.50% | |||
VOLATILITY CONTROL PAR RATE | 215% | 190% | |||
FIXED RATE | 4.30% | 4.05% |
Accumulator 5 | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 10.00% (6.00% bailout cap) | 9.25% (6.00% bailout cap) | FREE WITHDRAWAL: 10% All Years Not Available: NY |
|
VOLATILITY CONTROL | 230% | 215% | |||
FIXED RATE | 5.00% | 4.70% |
Landmark 5 MVA | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A+|A+|93 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 7.75% | 7.50% | FREE WITHDRAWAL: 10% All Years Not Available: NY Rates Less In: AK, PA, UT |
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5YR CAP LOCK ANNUAL PTP | 7.25% | 7.00% | |||
VOLATILITY CONTROL | 60% (participation rate) | 55% (participation rate) | |||
FIXED RATE | 3.60% | 3.45% |
7 YEAR
Power 7 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 10.75% | 9.75% | FREE WITHDRAWAL: 10% after 1 Year Not Available In: NY |
|
UNCAPPED S&P 500 PAR RATE | 43% | 38% | |||
VOLATILITY CONTROL | 100% (participation rate) | 75% (participation rate) | |||
FIXED RATE | 4.50% | 4.25% |
Accumulator 7 | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 10.50% (6.00% bailout cap) | 9.75% (6.00% bailout cap) | FREE WITHDRAWAL: 10% All Years Not Available: NY |
|
VOLATILITY CONTROL | 240% | 225% | |||
FIXED RATE | 5.20% | 4.90% |
OptiBlend 7 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 9.15% | 8.25% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
UNCAPPED S&P 500 PAR RATE | 50% | 45% | |||
VOLATILITY CONTROL SPREAD | 0.25% | 0.50% | |||
VOLATILITY CONTROL PAR RATE | 215% | 190% | |||
FIXED RATE | 4.35% | 4.10% |
American Legend 7 MVA | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A+|A+|93 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 8.50% | 8.25% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, PA, UT |
|
7YR CAP LOCK ANNUAL PTP | 7.30% | 7.05% | |||
VOLATILITY CONTROL | 65% (participation rate) | 60% (participation rate) | |||
FIXED RATE | 3.90% | 3.80% |
Asia Plus 7 | $5,000+ | RATINGS - BEST|S&P|COMDEX A|A|76 | |||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP (50% participation) | 12.00% | FREE WITHDRAWAL: 10% All Years Not Available In: N/A (rates less in NY) |
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POINT TO POINT CAP (100% participation) | 8.85% | ||||
MONTHLY CAP | 3.50% | ||||
FIXED RATE | 4.25% |
10 YEAR
VersaChoice 10 | $75,000+ | $20,000 - $74,999 | RATINGS - BEST|S&P|COMDEX A+|A+|89 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 10.00% | 9.00% | FREE WITHDRAWAL: 10% After 1 Year Not Available In: NY Enhanced Liquidity Rider Available |
|
VOLATILITY CONTROL | 175% (participation rate) | 150% (participation rate) | |||
FIXED RATE | 4.25% | 4.00% |
OptiBlend 10 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 8.15% | 7.50% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
UNCAPPED S&P 500 PAR RATE | 50% | 45% | |||
VOLATILITY CONTROL SPREAD | 0.25% | 0.50% | |||
VOLATILITY CONTROL PAR RATE | 215% | 190% | |||
FIXED RATE | 4.10% | 3.90% |
Safe Return | $25,000+ | RATINGS - BEST|S&P|COMDEX A+|A+|93 | |||
---|---|---|---|---|---|
![]() | POINT TO POINT CAP | 5.50%, (Bailout Cap 3.00%) | FREE WITHDRAWAL: 10% All Years Not Available: NY |
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VOLATILITY CONTROL | 45% (participation rate), 25% Bailout Rate | ||||
FIXED RATE | 3.00% |
FIXED MUTI-YR GTEE
Week of May 29, 2023
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3 YEAR
Milestone MYGA 3 | Year 1-3 | Effective Yield | RATINGS - BEST| A- | ||
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![]() | $100,000+ | 4.65% | 4.65% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA |
|
$50,000 - $99,999 | 4.40% | 4.40% | |||
$15,000 - $49,999 | 3.65% | 3.65% |
Guarantee Plus 3 | Year 1 - 3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|89 | ||
---|---|---|---|---|---|
![]() | $100,000+ | 4.30% | 4.30% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
$20,000 - $99,999 | 3.85% | 3.85% |
SecureGain 3 | Year 1 - 3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|93 | ||
---|---|---|---|---|---|
![]() | $100,000+ | 3.75% | 3.75% | FREE WITHDRAWAL: 10% All Years Surrender Length: 6 Years Liquid on 3rd Anniversary Not Available: HI, IN, NY Rates Less In: AK & UT |
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$10,000 - $99,999 | 3.60% | 3.60% |
5 YEAR
Milestone MYGA 5 | Year 1-5 | Effective Yield | RATINGS - BEST| A- | ||
---|---|---|---|---|---|
![]() | $100,000+ | 5.00% | 5.00% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA |
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$50,000 - $99,999 | 4.75% | 4.75% | |||
$15,000 - $49,999 | 4.30% | 4.30% |
Focused Growth 5 | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | $100,000+ | 4.80% | 4.80% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
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$15,000 - $99,999 | 4.70% | 4.70% |
American Pathway VisionMYG | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
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![]() | $100,000+ | 4.20% | 4.20% | Not Available In: N/A FREE WITHDRAWAL: 15% After 1 Year SURRENDER LENGTH: 10 Years Liquid on 5th Anniversary |
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$10,000 - $99,000 | 3.15% | 3.15% |
Ultra-Premier 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|90 | ||
---|---|---|---|---|---|
![]() | $25,000+ | 4.60% | 4.60% | Not Available: DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling |
SecureGain 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|93 | ||
---|---|---|---|---|---|
![]() | $100,000+ | Yr 1 4.15%; Yr 2 4.00%; Yr 3 4.10%; Yr 4 4.20%; Yr 5 4.30% | 4.15% | FREE WITHDRAWAL: 10% All Years Surrender Length: 5 Years Not Available: NY Rates Less In: CT, IN, MN, MO, OH |
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$10,000 - $99,999 | Yr 1 4.00%; Yr 2 3.85%; Yr 3 3.95%; Yr 4 4.05%; Yr 5 4.15% | 4.00% |
6 YEAR
Palladium MYG 6 | Year 1-6 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A|76 | ||
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![]() | $250,000+ | 5.20% | 5.20% | FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 10 Years Not Available In: UT & PR Rates Less In: NY |
|
$100,000 - 249,999 | 5.05% | 5.05% | |||
$5,000 - $99,999 | 4.95% | 4.95% |
7 YEAR
Milestone MYGA 7 | Year 1-7 | Effective Yield | RATINGS - BEST| A- | ||
---|---|---|---|---|---|
![]() | $100,000+ | 5.00% | 5.00% | Free withdrawal: 10% after 1 Year Surrender Length: 7 Years Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA |
|
$50,000 - $99,999 | 4.85% | 4.85% | |||
$15,000 - $49,999 | 4.50% | 4.50% |
American Pathway VisionMYG | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
---|---|---|---|---|---|
![]() | $100,000+ | 4.20% | 4.20% | Not Available In: N/A FREE WITHDRAWAL: 15% After 1 Year SURRENDER LENGTH: 10 Years Liquid on 7th Anniversary |
|
$10,000 - $99,000 | 3.20% | 3.20% |
Guarantee Plus 7 | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|89 | ||
---|---|---|---|---|---|
![]() | $100,000+ | 4.65% | 4.65% | Not Available In: CA, DE, FL, NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
$20,000 - $99,999 | 4.35% | 4.35% |
Ultra-Premier 7 | Year 1-7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|90 | ||
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![]() | $25,000+ | 4.60% | 4.60% | Not Available: DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling |
10 YEAR
Focused Growth 10 | Year 1 - 10 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
---|---|---|---|---|---|
![]() | $100,000+ | 4.65% | 4.65% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
$15,000 - $99,999 | 4.55% | 4.55% |