| Top Yielding Certificate Type Fixed Annuities* as of 7/6/2009 | |||||||
|---|---|---|---|---|---|---|---|
| Company Name | Product Name | Rate Term (yrs) | Min Gtd Rate | Base Rate | Bonus Rate | Bonus Length (yrs) | Effect Yield** |
| Liberty Bankers Life | Bankers 1 | 1 | 1.00% | 2.25% | 0.00% | N/A | 2.250% |
| West Coast Life | Sure Advantage | 2 | 1.50% | 1.50% | 0.50% | 1 | 1.750% |
| Protective Life | FutureSaver II | 2 | 1.50% | 1.50% | 0.50% | 1 | 1.750% |
| Protective Life | ProSaver Platinum | 2 | 0.00% | 1.75% | 0.00% | N/A | 1.750% |
| ING USA Annuity and Life | Guarantee Choice Annuity | 3 | 1.50% | 3.00% | 1.00% | 1 | 3.333% |
| United Life | SPDA | 4 | 1.05% | 3.50% | 0.00% | N/A | 3.500% |
| Security Benefit Life | Choice Annuity | 5 | 1.50% | 4.80% | 0.00% | N/A | 4.800% |
| Security Benefit Life | Choice Annuity | 6 | 1.50% | 4.60% | 0.00% | N/A | 4.600% |
| Security Benefit Life | Choice Annuity | 7 | 1.50% | 4.80% | 0.00% | N/A | 4.800% |
| Thrivent Financial for Lutherans | Multi-Year Guarantee Series | 8 | 1.50% | 4.30% | 1.00% | 1 | 4.425% |
| American General Life | HorizonChoice | 9 | 2%/3% | 4.65% | 0.00% | N/A | 4.650% |
| Greek Catholic Union of the U.S.A. | Flex Annuity | 10 | 3.00% | 5.25% | 0.00% | N/A | 5.250% |
| Protective Life | ProSaver Platinum | 15 | 0.00% | 4.80% | 0.00% | N/A | 4.800% |
*Certificate type contracts are products that have interest rate terms that equal or exceed the surrender charge or that waive the surrender charge at the end of the selected rate term (window waiver).
**Effective yield prorates the bonus rate equally over the surrender charge period.
Source: www.AnnuityNexus.com, Beacon Research, Evanston, Illinois
