AUGUST 2023 / TOP NEW YORK RATES

(never a down year, EVER, due to any potential market declines)

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CURRENT

FIXED RATES

LOCKED-IN FOR

ENTIRE TERM OF CONTRACT

MASS MUTUAL

"A++"

1851

ANNUAL FIXED RATE / 3 YRS.

4.90%

(for over $100K)

Example of How Fixed Interest Works

credited daily, compounded monthly (generally)

interest available monthly
10% withdrawals annually maximum

full value on death or nursing home

SEE CARRIERS BELOW AND THEN REQUEST
PERSONAL ILLUSTRATION

CURRENT

INDEX INCOME RATES

LOCKED-IN FOR

ENTIRE TERM OF CONTRACT

COREBRIDGE (AIG)

(A)

1919

ZERO FEE LIFETIME INCOME RIDER

PLUS

GUARANTEED INTEREST RATE OF 2.35% FOR LIFE ON REMAINING BALANCE

ORDER YOUR ILLUSTRATION ON THIS PRODUCT ASAP! Available only in New York state

CURRENT

INDEX RATES

LOCKED-IN FOR

12 MONTH TERM OF CONTRACT

AMERICAN NATIONAL

"A"

1928

12 month S&P

MONTHLY CAP :

2.35%

(for over $100K)

insurers may adjust annual CAP rates thereafter - up or down -depending upon economy during term

Examples of How MONTHLY CAP

Yields Work :

Each month the S&P yields are tabulated. Yields above the CAP are CAPPED at the CAP.

Yields below the CAP are tabulated as is.

At the end of 12 months, the total is calculated. IF it is less than zero, you get a zero. If it is positive, you get that value.

SEE CARRIERS BELOW THEN REQUEST

 PERSONAL ILLUSTRATION