Guaranteed Minimum Income Benefit annuities

These riders will protect you in case the stock market drops dramatically by giving you a minimum predetermined lifetime income. Basically, even if your investments decline dramatically, you'll receive a a minimum predetermined lifetime income through annuitization (converting your contract into a lifetime income).

Annuities evaluated must have a minimum Comdex Score greater than 75 along with other company asset analysis (see methodology link for specifics).  However, companies evaluated may be excluded from our grader for any reason.  The annuities evaluated are NOT meant or implied to represent an all-inclusive list of contracts available in the market place. The list of variable annuities is by no means considered to be comprehensive, yet merely a chosen list by the owners of annuitygrader.com. Veritrust Financial may or may not have selling agreements with evaluated companies.  Therefore, the investor may not have a sound basis to fairly evaluate the investment or to make an educated and suitable investment decision based solely on our website.  All investors should seek advice from one of the AnnuityGrader representatives or another licensed professional before acting on any decision.

The following table is for informational purposes only and is not a score or result of a score. In addition, the table only reflects facts of the lowest fee (base) contract.  However, the information or facts are used to help grade the contract with the annuitygrader system.  Only scores for the top ranked (5-star) contracts are revealed.  Visit the “Report Card” link to see results of the criteria used to evaluate the annuity product along with commentary. Please call to discuss scores and results for contracts without their star rank displayed.

Which annuities do you compare?

IMPORTANT: By selecting any of the links below, next to any of these products, you agree that you have first selected and reviewed the corresponding prospectus. All products and riders may not be available in all states. Certain variations to products, rates, features, riders, and guarantees may exist based on your state of residences. Check with the experts at AnnuityGrader® at 888-516-7414 for availability/modifications  in your state.

Please see the prospectus for details and read it carefully before investing. Contact AnnuityGrader at 888-516-7414 to request prospectus.
Updated 6/9/2009

Annuity Grader® Rating Insurance Company	Base Contract Mortality, expense, & admin. fee	Income Benefit Base Increases	Income rider (riders are optional and obtained by purchasing a variable annuity contract)	Min. Annual Joint Lifetime Income (w/ 10yrs period certain) received  in 10yrs  from $100,000 invested today by  married 60yr olds (assuming no withdrawals)	Product Prospectus	Brochure
Report Card Request Free Personalized Report	1.40%	Highest of: Annual ratchet Or 6%/year (up to 2.5times)	.75%	$10,216	ES II (low fees) Landmark (short surrender) Access (no surrender)	Brochure
Request Free Personalized Report	0.90% (Value)	Highest of: annual ratchet Or 5%/year	GMIB Plus AR .95%	$7,389	Premier (low fees) Xtra (up front bonus) Lite (short surrender) Value (lowest Fees)	Brochure
Request Free Personalized Report	1.30%	Highest of: Annual Ratchet Or 5%/year	GMIB Plus   1.00%	$6,180	Series VA (low fees)   Series XTRA (up front bonus)   Series L (short surrender)   Series C (no surrender)	Brochure
Request Free Personalized Report	1.30%	Highest of: annual ratchet Or 4.00%/year.	GMIB1  .80% (investment restrictions) GMIB2 1.00% (moderate investment restrictions)	$7,648	Accumulator (low fees) Accumulator Plus (up front bonus) Accumulator Select (short surrender) Accumulator Elite (no surrender)	Brochure