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.
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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 5/4/2009
| Annuity Grader® Rating Company | Base Contract Mortality, expense, & admin. fee | Income Benefit Base Increases | Withdrawal Percent From Benefit Base | Life Income Rider Fee (riders are optional and obtained by purchasing a variable annuity contract) | Min. Annual Lifetime Income received after 10yrs from $100,000 invested today by married 60yr olds (assuming no withdrawals) | Product Prospectus | Brochure |
| Request Free | 1.25% | Highest of: Quarterly Ratchet Or 7%/year Or Double after 10yrs. (must be at least 70 to use 'doubling') | 45-62=4% 63-74=5% 75-80=6% 81+=7% | Lifeguard Freedom .95% single 1.25% jnt | $10,000 | PerspectiveII (low fees) Perspective L (short surrender) Perspective Advisors II (no surrender) | Brochure Presentation |
| Request Free Personalized Report
| 1.15% | Highest of: Annual Ratchet Or 10%/year (5 or 7%/yr offered at reduced rider fee) | 45-59=3% 59.5-64=4% 65-80=5% 81+=6% | Lifetime Income Rider 1.00% single 1.20% jnt | $10,000 | FutureII (lowest fees) Achiever (low fees) Destination L (short surrender) | Brochure |
Request Free Personalized Report  | 1.40% | Highest of: 6% simple interest or highest Annual Ratchet | 59.5-64=4% 65-74=5% 75-80=6% 81+=7% | Lifepay Plus 1.00% single 1.20% jnt | $8,000 Income Optimizer (tax friendly withdrawals from non-IRA accounts) | ES II (low fees) Landmark (short surrender) Access (no surrender) | Brochure |
|
Request Free Personalized Report
PrincipiumII | 1.00% | Highest of: | Single 59-69=4%
Joint 59-69=3.5%
| Retirement Income Choice 1.25% (.90% for 50%/50% allocation .40% for 100% bonds) | $7,330 (long-term care enhanced income rider available for additional fee) | PrincipiumII | |
| Request Free Personalized Report
| 1.30% | Highest of: Annual Ratchet Or 5%/year Or Double after 10yrs. | lifetime income advantage: All Ages: 5% i-for life: % Varies with life expectancy | lifetime income advantage .90% i-for life .90% | lifetime income advantage $10,000 i-for life (tax friendly withdrawals from non-IRA accounts) $9,057 (see IRS Private Letter Ruling) (long-term care enhanced income rider available for additional fee) | Choice Plus Assurance B (low fees) Choice Plus Assurance Bonus (up front bonus) Choice Plus Assurance L (short surrender) Choice Plus Assurance C (no surrender) | lifetime income advantage Brochure i-for life Brochure |
| Request Free Personalized Report | 1.15% (1.00% after 8 yrs.) | Highest of: Annual Ratchet Or 5%/year | Single 59.5-64= 4% 65+=5% Joint 59.5-64= 3.75% 65+=4.75% | Venture .85% | $7,125 | Venture (low fees) | Brochure |
| Request Free Personalized Report | 1.30% | Highest of: Annual Ratchet Or 5%/year Or Double after 10yrs. | lifetime income advantage: All Ages: 5% i-for life: % Varies with life expectancy | lifetime income advantage .90% i-for life .90% | lifetime income advantage $10,000 i-for life (tax friendly withdrawals from non-IRA accounts) $9,057 (see IRS Private Letter Ruling) (long-term care enhanced income rider available for additional fee) | American Legacy III (low fees) American Legacy III+ (up front bonus) American Legacy L Share (short surrender) American Legacy III C Share (no surrender) | lifetime income advantage brochure i-for life brochure |
| Request Free Personalized Report
| 1.45% | Highest of: Annual Ratchet OR 6%/year OR Double | Single 45-49 3.0% 50-54 3.5% 55-59 4.5% 60-64 4.5% 65-69 5.5% 70-74 6.0% 75+ 7.0% Joint (subtract 0.50%) | 0.95% | $11,000 | Choice (low fees) Selections (short surrender) Freedom (no surrender) | Brochure |
Request Free Personalized Report  | 1.52% | Highest of: Annual Ratchet OR 6%/year OR Double after 12yrs. | 45-64=4% 65-80=5% | Marketlock Income Plus single=1.10% joint=1.35% | $8,954 | Platinum III (low fees) Choice III (short surrender) Advisor III (no surrender) | Brochure |
Request Free Personalized Report  | 1.05% (1.20% for IRAs) | Highest of: Annual Ratchet Or 120% after 3yrs. | 65+=6% | Secure Source single=1.1% joint=1.40% | $7,200 | Signature Select (low fees) Innovations (lowest fees) Signature One (up front bonus) Flexchoice (short surrender And no surrender) | Brochure |
Request Free Personalized Report  | 1.15% | Highest of: Annual Ratchet Or 5%/year | 59.5-74= 5.00% 75+=6% | FLI+ single=1.25% joint=1.40% | $7,500 | Voyages (low fees) Value (4-5% up front bonus) Value Edge (6-8% up front bonus) Innovations Select (short surrender) One Select (no surrender) | Brochure |
| Request Free Personalized Report
| 1.30% | Highest of: | Single 59-69=4%
Joint 59-69=3.5% | Retirement Income Choice 1.25% (.90% for 50%/50% allocation .40% for 100% bonds) | $7,330 (long-term care enhanced income rider available for additional fee) | Landmark (low fees) XTRA (up front bonus) Liberty (short surrender) Freedom (no surrender) | Brochure |
| Request Free Personalized Report | 1.35% | Highest of: Annual Ratchet Or 4%/year | All ages: 4% | Growth & Income Advantage Benefit .90% single 1.00% jnt. Purchasing Power Protector (5% for life with annual CPI increase) 1.15% single 1.25% jnt. | $5,921 | Select (low fees) Enhanced Credit (up front bonus) Freedom (short surrender) | Brochure |
| Request Free Personalized Report 
| 1.25% | Highest anniversary | Single 59.5-64= 5% 65-69=5.5% 70-74=6% 75-79=6.5% 80-84=7% 85-89=7.5% 90+ 8.0% Joint (subtract 0.50%) | Lifetime income builders portfolio 1.15% | $5,500 (additional $500/yr every 5 years upon reaching higher age bands) | Leaders (low fees) Leaders Plus (up front bonus) Leaders Outlook (short surrender) Leaders Access (no surrender) |
3755 Capital of Texas Highway South, Suite 130, Austin, Texas 78704 — 512.448.0647
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