Previous Rate Sheet

Previous Rate Sheet
Rate Lock Policies
Previous Rate Sheet
Field Bulletins
Effective December 2014
i
Annuity rates for all states EXCEPT: NY
Index Annuity Rates effective Monday, December 1
Global
100% PR
80% PR
2Yr Pt to Pt
Monthly
Multiple Annual Pt to Annual Pt to
Cap
Avg Spread
Index Cap
Pt Cap
Pt Cap
Product
Monthly
Additive
Cap
Participation
Rate
1.25%
100%
Current
Product Available
Guar. Min
Fixed
in All States
Fixed Rate
Interest Rate
EXCEPT
GMWV
Additional Information
Power 10 Protector
[4% Premium Enhancement1
(Bonus)]
—
3.50%
—
—
4.50%
No Guaranteed Living Benefit
1.50%
Check State
Availability Map
1.00%
87.5%
1.00%
87.5%2 @ 1.00% available
Contract #AG-801
Power 10 Protector Plus
Income
®
—
2.75%
—
—
5.00%
0.75%
100%
1.00%
Premiums
under
$100,000
—
4.10%
—
—
3.50%
1.65%
100%
1.80%
Check State
Availability Map
1.00%
87.5%2 @ 1.00% available
Premiums of
$100,000 or
more
—
4.60%
—
—
3.00%
2.00%
100%
1.80%
Check State
Availability Map
1.00%
87.5%2 @ 1.00% available
Premiums
under
$100,000
—
4.50%
—
—
3.50%
1.50%
100%
2.00%
Check State
Availability Map
1.00%
87.5%2 @ 1.00% Guaranteed Living Benefit
Premiums of
$100,000 or
more
—
Check State
Availability Map
1.00%
VT
1.00%
SINGLE PREMIUM
DAILY
ISSUE
[4% Premium Enhancement
(Bonus)]
Power 7 Protector
Contract #AG-800
FLEXIBLE
PREMIUM
AG Global 8 Index
Contract #07371
(Subsequent Premiums Only)
5.00%
2.00%
—
Annual
Cost
Roll Up
Rate
—
—
—
—
3.00%
—
1.75%
1.10%
100%
30%
2.00%
1.80%
No Guaranteed Living Benefit
No Guaranteed Living Benefit
Lifetime Income Plus®
Rider automatically included
Lifetime Income Plus®
87.5%2 @ 1.00% Guaranteed Living Benefit
Rider automatically included
Available for subsequent
87.5% @ 1.00% premiums only
INDEX ANNUITY OPTIONAL LIVING BENEFIT RIDERS
TH,
TH
TH
12 20 , and 28 of
each month
2
Contract #AG-801
Power 7 Protector Plus
Income
Contract #AG-800
ISSUE DATES: 6TH,
Lifetime Income Plus
@ 1.00% Guaranteed Living Benefit
Rider automatically included
Check State
Availability Map
1
Bold blue text indicates the change from the previous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applicable rate is determined by the date the contract is
issued. A contract will be issued on the issue date following receipt of the completed paperwork in good order (including premium and appropriate licensing and contracting
information) at the Home Office.
1
Premium Enhancement (Bonus): For all premiums paid in the contract’s first 30 days; subject to vesting and recapture schedule. Not available in all states. Bonus is 3% for
AK, CT, MN, MO, OH, and PA
2
Guaranteed Minimum Withdrawal Values (GMWV) may change each quarter. The rate in effect on contract issue date is the GMWV. GMWV is 90% @ 1.00% for New Jersey
For more information:
(888) 438-6933
Option 2
or email
[email protected]
Annuities are designed for long-term retirement investing and typically include limitations, exclusions and expense charges. Income taxes are payable upon withdrawal.
Withdrawals made prior to age 59 ½ may be subject to a 10% federal tax penalty.
Lifetime Income Plus
0.95%
7.00%
This information is general in nature and may be subject to change. American General Life Insurance Company, its agents and representatives are not authorized to give legal,
tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of
U.S. federal, state, or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.
Annuities issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York
(US Life). Issuing insurance company is responsible for the financial obligations of insurance products it issues and is a member of American International Group, Inc. (AIG).
Guarantees are backed by the claims paying ability of AGL and US Life. Product may not be available in all states and product features may vary by state. Please refer to your
contract.
If you are an agent prior to soliciting business be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for
sale by the insurer in that state. If uncertain contact your American General Life Insurance Company representative for assistance. © 2014 AIG. All rights reserved.
Page 1 of 5
FOR PRODUCER USE ONLY
NOT FOR DISTRIBUTION TO THE PUBLIC
Effective October 2014
Rate Lock Policies
Previous Rate Sheet
Field Bulletins
i
Annuity rates for all states EXCEPT: NY
Fixed Annuity Rates effective Monday, October 13
Product
Year One
Base Rate
for remaining
years
1st Year
Interest
Bonus
Product
Available in
all states
EXCEPT
Guar Min
Fixed Rate
GMWV*
AK, MN, MO,
NJ, NY, OH,
OR, PA, UT,
WA
1.00%
87.5% @
1.00%
MVA; 30 day window after year 5
1.00%
87.5% @
1.00%
MVA; 30 day window after year 7
1.00%
87.5% @
1.00%
MVA; 30 day window after year 10
SINGLE PREMIUM
FLEXIBLE
PREMIUM
TRADITIONAL FIXED DEFERRED ANNUITIES
SM
American Pathway Select MVA 10 Annuity
(5 year rate guarantee)
Contract #05377
1.55%
1.55%
—
American PathwaySM Select MVA 10 Annuity
(7 year rate guarantee)
Contract #05377
1.75%
1.75%
—
American PathwaySM Select MVA 10 Annuity
(10 year rate guarantee)
Contract #05377
2.15%
2.15%
—
1.55%
1.55%
—
1.40%
1.40%
—
SM
American Pathway Achiever MVA 10 Annuity
(6 year rate guarantee)
Contract #05377
SM
American Pathway
guarantee)
Contract #05376
Secure 10 Annuity (5 year rate
AK, MN, MO,
NJ, NY, OH,
OR, PA, UT,
WA
AK, DE, MN,
MO, NJ, NY,
NV, OH, OR,
PA, SC, TX,
UT, WA
AK, MN, MO,
NJ, NY, OH,
OR, PA, UT,
WA
1.00%
AK, CA, NY,
UT
1.00%
AK, NY, UT
1.00%
87.5% @
1.00%
MVA; 30 day window after year 6
87.5% @
1.00%
No MVA; 30 day window after year 5
87.5% @
1.00%
No MVA; 30 day window after year 7
American PathwaySM Secure 10 Annuity (7 year rate
guarantee)
Contract #05376
1.75%
1.75%
—
American PathwaySM Fixed MYG 10 Annuity
(6 year rate guarantee)
Contract #04370
5.00%
2.00%
3.00%
American PathwaySM Fixed MVA 9 Plus Annuity
(6 year rate guarantee)
Contract #04362
6.00%
2.00%
4.00%
AK, MN, MO,
NJ, NY, OH,
OR, PA, UT,
WA
1.00%
87.5% @
1.00%
American PathwaySM Flex Fixed 8 Annuity
(1 year rate guarantee)
Contract #04371
4.05%
2.05%
2.00%
AK, UT
1.00%
N/A
For more information:
888.438.6933 OPTION 2
or email [email protected]
AK, NJ, NY, UT
1.00%
Additional Information
87.5% @
1.00%
MVA
MVA
No MVA
Bold blue text indicates the change from the previous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applicable rate is determined by the date the contract is
issued. A contract will be issued on the issue date following receipt of the completed paperwork in good order (including premium and appropriate licensing and contracting
information) at the Home Office.
*Guaranteed Minimum Withdrawal Values (GMWV) may change each quarter; rate in effect on contract issue date is the GMWV.
Annuities are designed for long-term retirement investing and typically include limitations, exclusions and expense charges. Income taxes are payable upon withdrawal.
Withdrawals made prior to age 59 ½ may be subject to a 10% federal tax penalty.
This information is general in nature and may be subject to change. American General Life Insurance Company, its agents and representatives are not authorized to give
legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the
avoidance of U.S. federal, state, or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.
Annuities issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New
York (US Life). Issuing insurance company is responsible for the financial obligations of insurance products it issues and is a member of American International Group, Inc.
(AIG). Guarantees are backed by the claims paying ability of AGL and US Life. Product may not be available in all states and product features may vary by state. Please
refer to your contract.
If you are an agent prior to soliciting business be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by
the insurer in that state. If uncertain contact your American General Life Insurance Company representative for assistance. © 2014 AIG. All rights reserved. AGLC103676
Page 2 of 5
FOR PRODUCER USE ONLY.
NOT FOR DISTRIBUTION TO THE PUBLIC.
Effective December 2014
Rate Lock Policies
Previous Rate Sheet
Field Bulletins
i
Annuity rates for New York
FLEXIBLE
PREMIUM
SINGLE PREMIUM
TRADITIONAL FIXED DEFERRED ANNUITIES
Index Annuity Rates effective Monday, November 10
Product
Year One
Base Rate
1st Year Interest
Bonus
Guar. Min. Fixed Rate
American PathwaySM Empire 5 Annuity
Contract #03049N
—
—
—
—
American PathwaySM Empire 7 Annuity
Contract #03049N
1.80%
1.80%
—
1.00%
American PathwaySM Flex Fixed
8 Annuity
Contract #04371N
4.05%
2.05%
2.00%
1.00%
Additional Information
Temporarily Unavailable
NO MVA 30 day walkaway option after year 7
Index Annuity Rates effective Monday, December 8
SINGLE PREMIUM
TRADITIONAL FIXED DEFERRED ANNUITIES
Product
Guarantee
Rate
Length of Guarantee
Rate
1st Year
Interest
Bonus
Product
Available in
all states
EXCEPT
Guar Min
Fixed Rate
American PathwaySM SolutionsMYG Annuity:
5-year term
Contract #A125
Premiums
< $100,000
2.10%
5
_
IA, MN, MO, SC
1.00%
Premiums
≥ $100,000
2.25%
5
_
IA, MN, MO, SC
1.00%
American PathwaySM SolutionsMYG Annuity:
6-year term
Contract #A125
Premiums
< $100,000
2.20%
6
_
IA, MN, MO, SC
1.00%
Premiums
≥ $100,000
2.35%
6
_
IA, MN, MO, SC
1.00%
American PathwaySM SolutionsMYG Annuity:
7-year term
Contract #A125
Premiums
< $100,000
2.50%
7
_
IA, MN, MO, SC
1.00%
Premiums
≥ $100,000
2.65%
7
_
IA, MN, MO, SC
1.00%
Additional Information
Product
FLEXIBLE
PREMIUM
INDEX ANNUITIES
Issue Dates: 5TH, 12TH,
20TH, and 28TH of each
month
Index Annuity rates effective Monday, September 22
AG Global 8 Index
Contract #07371N
(Subsequent Premiums Only)
Global
Multiple
Index Cap
Monthly
Additive Cap
Participation Rate
Current
Fixed
Interest
Rate
Guar Min.
Fixed Rate
2.00%
—
25%
1.75%
1.00%
Additional Information
Available for subsequent premiums only
Bold blue text indicates the change from the previous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applicable rate is determined by the date the contract is issued. A
contract will be issued on the issue date following receipt of the completed paperwork in good order (including premium and appropriate licensing and contracting information) at the
For more information:
888.438.6933
Home Office.
Annuities are designed for long-term retirement investing and typically include limitations, exclusions and expense charges. Income taxes are payable upon withdrawal. Withdrawals
made prior to age 59 ½ may be subject to a 10% federal tax penalty.
OPTION 2
or email [email protected]
This information is general in nature and may be subject to change. American General Life Insurance Company, its agents and representatives are not authorized to give legal, tax
or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S.
federal, state, or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.
Annuities issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US
Life). Issuing insurance company is responsible for the financial obligations of insurance products it issues and is a member of American International Group, Inc. (AIG). Guarantees
are backed by the claims paying ability of AGL and US Life. Product may not be available in all states and product features may vary by state. Please refer to your contract.
Page 3 of 5
If you are an agent prior to soliciting business be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the
insurer in that state. If uncertain contact your American General Life Insurance Company representative for assistance.
© 2014 AIG. All rights reserved. AGLC103676NY
FOR PRODUCER USE ONLY
NOT FOR DISTRIBUTION TO THE PUBLIC.
Effective December 2014
Rate Lock Policies
Previous Rate Sheet
Field Bulletins
i
Annuity rates for all states
Index Annuity Rates effective Monday, December 8
American PathwaySM SolutionsMYG Annuity:
6-year term
Contract #A125
SINGLE PREMIUM
TRADITIONAL FIXED DEFERRED ANNUITIES
American PathwaySM SolutionsMYG Annuity:
5-year term
Contract #A125
American PathwaySM SolutionsMYG Annuity:
7-year term
Contract #A125
American PathwaySM SolutionsMYG Annuity:
8-year term
Contract #A125
SM
American Pathway
9-year term
Contract #A125
SolutionsMYG Annuity:
Product
Available in Guar Min
all states
Fixed Rate
EXCEPT
Guarantee
Rate
Length of
Guarantee
Rate
1st Year
Interest
Bonus
Premiums under $100,000
2.10%
5
_
IA, MN, MO,
SC
1.00%
Premiums of $100,000 or more
2.25%
5
_
IA, MN, MO,
SC
1.00%
Premiums under $100,000
2.20%
6
_
IA, MN, MO,
SC
1.00%
Premiums of $100,000 or more
2.35%
6
_
IA, MN, MO,
SC
1.00%
Premiums under $100,000
2.50%
7
_
IA, MN, MO,
SC
1.00%
Premiums of $100,000 or more
2.65%
7
_
IA, MN, MO,
SC
1.00%
Premiums under $100,000
2.40%
8
_
IA, MN, MO,
NY, SC
1.00%
Premiums of $100,000 or more
2.55%
8
_
IA, MN, MO,
NY, SC
1.00%
Premiums under $100,000
2.45%
9
_
IA, MN, MO,
NY, SC
1.00%
Premiums of $100,000 or more
2.60%
9
_
IA, MN, MO,
NY, SC
1.00%
Premiums under $100,000
2.50%
10
_
IA, MN, MO,
NY, SC
1.00%
Premiums of $100,000 or more
2.65%
10
_
IA, MN, MO,
NY, SC
1.00%
Product
Additional Information
The 8, 9 and 10-year terms are not available in NY
American PathwaySM SolutionsMYG Annuity:
10-year term
Contract #A125
For more information:
888.438.6933
OPTION 2
Bold blue text indicates the change from the previous rate. RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applicable rate is determined by
the date the contract is issued. A contract will be issued on the issue date following receipt of the completed paperwork in good order (including
premium and appropriate licensing and contracting information) at the Home Office.
Annuities are designed for long-term retirement investing and typically include limitations, exclusions and expense charges. Income taxes are
payable upon withdrawal. Withdrawals made prior to age 59 ½ may be subject to a 10% federal tax penalty.
or email [email protected]
This information is general in nature and may be subject to change. American General Life Insurance Company, its agents and representatives are
not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in
this material are not intended to suggest the avoidance of U.S. federal, state, or local tax penalties. For advice concerning your situation, consult
your professional attorney, tax advisor or accountant.
Page 4 of 5
Annuities issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance
Company in the City of New York (US Life). Issuing insurance company is responsible for the financial obligations of insurance products it issues
and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims paying ability of AGL and US Life. Product may
not be available in all states and product features may vary by state. Please refer to your contract.
If you are an agent prior to soliciting business be certain that you are appropriately licensed and appointed with the insurer and that the product has
been approved for sale by the insurer in that state. If uncertain contact your American General Life Insurance Company representative for
assistance.
© 2014 AIG. All rights reserved.
AGLC103676
FOR PRODUCER USE ONLY.
NOT FOR DISTRIBUTION TO THE PUBLIC.
Effective November 5, 2014
ANNUITY RATES
Income Annuity Rates effective Wednesday, November 5
Rates For All States
Female 65
Non-NY Rates
Male 65
Female 70
Male 70
Female 65
American PathwaySM Immediate
Contract #01016
Life Only
Monthly Payout for $100,000 premium
beginning in 30 days
Monthly Payout for $100,000 premium
beginning in 30 days
(rounded down to the nearest whole dollar)
(rounded down to the nearest whole dollar)
$532
$558
$596
$626
Rates effective as of Wednesday,
November 5
DELAYED INCOME
IMMEDIATE INCOME
Rates effective as of Wednesday,
November 5
American PathwaySM Deferred Income
Contract #AGLC106378
Life Only
Male 65
Female 70
Male 70
Monthly Payout for $100,000 premium.
Payments commence at age 70. PreCommencement Death Benefit is Return of
Premium.
Monthly Payout for $100,000 premium.
Payments commence at age 75. PreCommencement Death Benefit is Return of
(rounded down to the
Premium.
(rounded down to the nearest whole dollar)
nearest whole dollar)
$736
$780
$871
$921
Life Only with CPI
$566
$609
$717
$768
Life with 10 yr Certain Period
$693
$722
$784
$815
$554
Life Only with Installment Refund
$676
$705
$772
$809
Life Only with CPI
$387
$413
$462
$492
Life with 10 yr Certain Period
$519
$541
$574
$597
Life Only with Installment Refund
$492
$508
$535
Life with Cash Refund
$483
$497
$523
$541
Life with Cash Refund
$669
$696
$762
$797
50% Joint and Contingent
$499
$510
$558
$570
50% Joint and Survivor
$697
$718
$826
$852
100% Joint and Contingent
$465
$465
$515
$515
100% Joint and Survivor
$635
$635
$742
$742
Run an Immediate Income Annuity quote:
- www.RetirementRaise.com
- www.americangeneral.com and log in
Call American General for
more information
888.438.6933
OPTION 2
Run a Delayed Income Annuity quote:
- www.RetirementRaise.com
- www.americangeneral.com and log in
RATES ARE SUBJECT TO CHANGE AT ANY TIME. Applicable rate is determined by the date the contract is issued. A contract will be issued on the issue date following receipt of the completed paperwork in good order (including premium and appropriate licensing and contracting
information) at the Home Office.
Annuities are designed for long-term retirement investing and typically include limitations, exclusions and expense charges. Income taxes are payable upon withdrawal. Withdrawals made prior to age 59 ½ may be subject to a 10% federal tax penalty.
This information is general in nature and may be subject to change. American General Life Insurance Company, its agents and representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax
statements in this material are not intended to suggest the avoidance of U.S. federal, state, or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.
Annuities issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing insurance company is responsible for the financial obligations of insurance products it issues
and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims paying ability of AGL and US Life. Product may not be available in all states and product features may vary by state. Please refer to your contract.
If you are an agent prior to soliciting business be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in that state. If uncertain contact your American General Life Insurance Company representative for
assistance.
© 2014 AIG. All rights reserved. AGLC103676
Page 5 of 5
FOR PRODUCER USE ONLY.
NOT FOR DISTRIBUTION TO THE PUBLIC.