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Indexed Product Summary Sheet American Financial
Marketing, Inc. These are our most
popular products. If you have a specific need, please call us. Rates are
current as of the date of this sheet and are subject to change without notice
-- please call for current rates |
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August 2, 2007 |
Product |
Index Crediting |
Free Withdrawal |
Minimum Premium |
Minimum Guaranteed Value |
States Not Approved |
Surrender Charges |
Issue Ages |
Commission |
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Life Insurance Company
of A.M. Best 'A' Moody's 'A2' S & P 'AA' |
(FPDA for the 1st 5 Years) |
100% Participation Guaranteed for life. Point-to-point index of S&P 500 with a
five-year "highwater" lookback
option. 12.00%* Cap applied to the "High
Water" value only. NO
ASSET FEES EVER. *11.00% in AL, CT, IL, IN, KY, PA |
Or Required Minimum Distribution |
$2,000 Q |
* *varies in CA, IL, MD, PA |
15, 15, 13, 13, 11.25, 9.38, 7.5, 5.63, 3.75, 1.88% NO ANNUITIZATION REQUIRED! Nursing Home Waiver, Death Benefit Rider |
Ages 0-75: 9.00%*
Ages 76-85: 7.00%* and producer perks Call for details *varies in AL, CT, IN, KY, PA. Call for details |
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Elite (FPDA*) *Premium Bonus credited on all lump sum payments
during 1st five policy years! $50k+: 10% under $50k: 5% |
A: 100.00% Participation of Monthly Average
of the Nasdaq-100 subject to a cap rate of 15.00%. B: 100.00% Participation of Monthly Average
of the S&P500 subject to a cap rate of 15.00%. C: Fixed Interest account currently 4.25% (May
Reallocate Annually) |
Systematic withdrawal of benefit available from the
6th yr & on. Or Required Minimum Distribution |
$2,000 Q
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*varies in CA, MD, PA |
Two account values with separate interest rates for
lump sum surrender and a min. required payout period Death Benefit Rider, Nursing Home Waiver |
and producer perks Call for details |
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Life Insurance Company
of A.M. Best 'A' Moody's 'A2' S & P 'AA' |
5% Bonus PowerDex Elite (FPDA for the 1st 5 Years*) *5% Premium bonus credited on all lump
sum payment during 1st five policy years!
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100% Participation Guaranteed for life. Point-to-point index of S&P 500 with a
five-year "highwater" lookback
option. 10.00% Cap applied to the "High
Water" value only. NO
ASSET FEES EVER. |
Or Required Minimum Distribution |
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*varies in CA & MD |
AK, AL, CT, IL,
IN, KY, NJ, NY, OR, PA, UT, WA |
12 yr surrender 15% yrs 1-5 then decreasing monthly over
the next seven yrs. NO ANNUITIZATION REQUIRED! Nursing Home Waiver, Death Benefit Rider |
Ages 76-85: 7.00% and producer perks Call for details |
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10%* Bonus PowerDexSM Elite (FPDA*) *10% Premium Bonus
credited on all lump sum payments during 1st five policy years! |
A: 100.00% Participation, point-to-point of
the Nasdaq-100 subject to a cap rate of 13.00%. B: 100.00% Participation, point-to-point of
the S&P500 subject to a cap rate of 13.00%. C: Fixed Interest account currently 4.50% (May
Reallocate Annually) |
Or Required Minimum Distribution |
$2,000 Q
|
*varies in CA, MD, PA |
Two values with separate interest rates for lump sum
surrender and a min. required payout period Death Benefit Rider*, Nursing Home Benefit* *not available in all states |
0-75: 9.00% 76-85: 7.00% and producer perks Call for details |
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Master Dex Annuity (FPDA*) *FPDA
first 3 years |
A:100.00% Participation in the S&P500 with
Monthly Point-to-Point Reset. Current
Monthly Cap Rate: 2.80%. Guaranteed Monthly Cap Rate:1.00 % B: 100.00% Participation in the Nasdaq-100
with Monthly Point-to-Point Reset.
Current Monthly Cap Rate: 2.80%. Guaranteed Monthly Cap Rate: 1.00 % C: Fixed Interest account currently 3.25%* *3.00% minimum interest rate in CT (May Reallocate Annually) |
After 1st yr: max of 10% of premium per policy yr, up
to 50% cumulative lifetime. Or Required Minimum Distribution |
*varies in CA, IL, MD, NJ, PA, UT |
10, 9, 8, 8, 6, 5, 3.0833% plus or minus MVA* Death Benefit Rider, Nursing Home Waiver *not applicatble in WA |
Only Option A available ages 76-85 |
Option A: 7.00%*
1st year, 3.5%* on additional premiums. Option B: 5.25%*
1st year, 2.62%* on additional premiums, plus .50% trail
commission - accumulation value for policy life. Option C: 3.00%*
1st year, 1.5%* on additional premiums plus 1% trail commission
- accumulation value for policy life. Ages 76-85 Option A: 5.00%*
1st year, 2.5%* on additional premiums *Varies in |
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Life Insurance Company
of A.M. Best 'A' Moody's 'A2' S & P 'AA' |
Master Dex 5 Annuity (FPDA*) *FPDA
first 5 years 5%** Premium Bonus yrs 1-5! **3% Premium Bonus in AK, AL, CT, IL, IN,
KY, NJ, PA, UT, and WA |
A: 100.00% Participation in the S&P500
with Monthly Point-to-Point Reset.
Current Monthly Cap Rate: 2.50%. Guaranteed Monthly Cap Rate: 1.00% B: 100.00% Participation in the Nasdaq-100
with Monthly Point-to-Point Reset.
Current Monthly Cap Rate: 2.50%. Guaranteed Monthly Cap Rate: 1.00% C: Fixed Interest account currently 3.00%* (May
Reallocate Annually) *3.00% minimum interest rate in CT |
After 1st yr: max of 10% of premium per policy yr, up
to 50% cumulative lifetime. S Or Required Minimum Distribution |
*varies in CA, IL, MD, NJ, PA, UT |
15, 15, 15, 15, 12.86, 10.71, 8.57, 6.43, 4.28, 2.19% plus or minus MVA** Death Benefit Rider, Nursing Home Waiver *9.1% 1st yr surrender charge, declining afterward for
**not applicable in WA |
Only Option A available ages 76-85 |
Option A: 9.00%*
1st year, 4.5%* on additional premiums. Option B: 7.00%*
1st year, 3.5%* on additional premiums, plus .50% trail
commission - accumulation value for policy life. Option C: 4.5%*
1st year, 2.25%* on additional premiums plus 1% trail
commission - accumulation value for policy life. Ages 76-85 Option A: 7.00%*
1st year, 3.5%* on additional premiums *Varies in AK, AL, IN, KY, CT, NJ, PA
& WA. Call for details |
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(FPDA*) *FPDA
first 5 years 10% Premium Bonus yrs 1-5! |
A: 100.00% Participation in the S&P500
with Monthly Point-to-Point Reset.
Current Monthly Cap Rate: 3.20%. Guaranteed Monthly Cap Rate: 1.00% B: 100.00% Participation in the Nasdaq-100
with Monthly Point-to-Point Reset.
Current Monthly Cap Rate: 3.20%. Guaranteed Monthly Cap Rate: 1.00% C: Fixed Interest account currently 4.00% (May
Reallocate Annually) |
Or Required Minimum Distribution |
$2,000 Q |
*varies in CA, IL, MD, PA |
Two values with separate interest rates for lump sum
surrender and a min. required payout period. Death Benefit Rider, Nursing Home Benefit* *not available in all states |
Only Option A available ages 76-85 |
Option A: 9.00%
1st year, 4.5% on additional premiums. Option B: 7.00%
1st year, 3.5% on additional premiums, plus .50% trail
commission - accumulation value for policy life. Option C: 4.5%
1st year, 2.25% on additional premiums plus 1% trail commission
- accumulation value for policy life. Ages 76-85 Option A: 7.00%
1st year, 3.5% on additional premiums |
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Life Insurance Company
of A.M. Best 'A' Moody's 'A2' S & P 'AA' |
(FPDA*) *FPDA
first 5 years |
A: 100.00% Participation in the S&P500, Monthly Point-to-Point with annual crediting, high water feature. Current Monthly Cap Rate: 3.70%. Guaranteed Monthly Cap Rate: 1.00% |