2. August 22-23 Ameristar Casino & Resort www.firstheartland.com/FHU2017

3. General Classification
Accumulation-focused
DB-focused
Income-focused
Level Income
Increasing Income

4. Accumulation Only Without ROP: With ROP:
The Standard Index Select Annuity 7 (5.25% Cap)
Delaware Life Retirement Stages 7 (5.60% Cap)
Symetra Edge Pro 7 (5.30% Cap)
With ROP:
Great American Safe Return (4.50% Cap)
Delaware Life Retirement Stages 7 (Cost of 0.40%, 5.60% Cap)

5. Pure Death Benefit Oriented
Great American American Valor 10:
7% Simple Rollup for up to 10 years
0.95% Fee
Issue Ages 50-85
Pacific Life Index Foundation 10:
2% Rollup + Index Credits Compounded for up to 20 years
0.40% Fee
Issue Ages 0-80
Nationwide New Heights
4% Compounded Rollup or Highest Daily (to Age 80 or 200% of Premium)
0.40%
Issue Ages (0-75)

6. DB as Part of an Income Rider
Allianz 222 (no rider fee):
15% FY Income/DB Enhancement + 50% Index Interest Bonus each year
DB Paid out over 5 years
Great American Income Sustainer Plus(1.35% Fee):
6% rollup credit for up to 12 years
5 Year wait
F&G Prosperity Elite 10 with Protection Package (1.3% Fee):
5% Simple Rollup for up to 10 years, OR
18% Bonus Year1 + 6% Compounded for up to 10 years (A85 Max), if paid over 5 years or 10(if Age 71+)

7. Best Immediate Income FIAs
Male 65, Single Payout, Max Level:
North American Benefit Solutions 10 – 5.54%
Allianz Core Income 7 – 5.5%
Great American Custom 10 – 5.5%
Male 65, Single Payout, Max Increasing:
Allianz 360 – 4.5%
Male 65, Female 65, Joint Payout, Max Level:
Allianz Core Income 7 – 5%
North American Benefits 10 – 4.97%
Male 65, Female 65, Joint Increasing Payout:
Allianz 360 – 4%

8. 5-Year Wait FIAs Male 60, Single Payout, Max Level:
NWL Impact 10 Income Outlook 5 – 7.495%
Athene Ascent 10 Bonus Inc Rider – 7.36%
Lincoln Optiblend 10 w/ LIB – 7.34%
Male 60, Max Increasing Single Payout:
Allianz Core Income 7 – 5.75%
Male 60, Female 60, Max Joint Level:
Lincoln OptiBlend 10 w/ Lifetime Inc. Edge – 6.7%
Athene Ascent 10 Bonus Inc Rider – 6.56%
Male 60, Female 60, Max Increasing Income:
Allianz Core Income – 5.25%

9. 10-Year Wait FIAs Male 55, Max Single Payout:
Lincoln Optiblend 10 w/ LIB – 10.18%
AIG Power 10 w/ Lifetime Inc Plus – 10%
ANICO Strategy Idxd 10 w/ Lifetime Inc. – 9.84%
Male 55, Max Increasing Payout:
Athene Ascent 10 Bonus Inc. Rider – 7.52%
Allianz 365i – 7%
Male 55, Female 55, Max Joint Payout:
Lincoln Optiblend 10 w/ LIE – 9.37%
AIG Power 10 w/ Lifetime Inc. Plus – 9%
Male 55, Female 55, Max Increasing Payout:
Athene Ascent 10 Bonus Inc. Rider – 7.25%
NACOLAH RetireChoice 10 w/ Inc. Pay Plus – 6.63%

10. Annuity Rate Watch Available for FREE on FHC website
MYGA, FA & FIA Current Rates
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11. Questions?