Source List: Carriers of Indexed Annuities

The following is an updated list of insurance carriers who offer indexed annuities. Basic data on each carrier is listed: name of company, toll-free phone number, web site, which states it sells the product in, issue ages, commission percentage, etc. We also try to list any unique features not offered by most other carriers.

No endorsement is expressed or implied by listing the insurance company here. The reader still needs to evaluate whether the package offered by the insurer is right for his or her situation. Contact companies directly for details. This list is just the beginning point for your product search.

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA -
800-950-7372; www.allianzlife.com; Available in all states EXCEPT CT NY OR WA VI GUAM PR. Issue ages 0 to 80. Up to a million-dollar premium. Minimum interest 2.5 percent. Commission = 7 percent maximum. Optional income rider, full accumulation value death benefit.

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY -
888-647-1371; www.american-equity.com; Available in all states EXCEPT CT MN NV PA UT WA VI GUAM PR. Issue ages 0 to 78. Max one million-dollar premium. Minimum interest rate is 2.25 percent. Commission = 6 percent. Lifetime income benefit rider.

AMERICAN NATIONAL INSURANCE CO. -
888-501-4043; www.img.anicoweb.com; Available in all states EXCEPT MA MN NY OR PA UT VT VI GUAM PR. Issue ages 0 to 85. Max one million dollar premium. Minimum interest rate varies by state. Commission = 8 percent. Optional lifetime income and enhanced death benefit rider (not available in all states).

AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY -
800-231-0801 ext 8410; www.americo.com; Available in all states EXCEPT AL AK DE MS OR VT VI GUAM. Issue ages 0 to 90. Max one million dollar premium. Minimum interest rate 2 percent for 13 years. Commission not stated. Enhanced death benefit payout options with the death benefit payout rider.

DEARBORN NATIONAL -
800-282-6363; www.dearbornnational.com; Available in all states EXCEPT AK CT MN ND NY OR PA UT. Issue ages 0 to 85. Max $750,000 premium. Minimum interest rate is 1.05 percent. Commission = 8.50 percent. Offers a 5 percent first year premium bonus.

GREAT AMERICAN FINANCIAL RESOURCES INC. -
800-438-3398; www.gafrisinglesource.com; Available in all states EXCEPT DE NY VI GUAM PR. Issue ages 18 to 85. Max premium is $750,000 at age 79. Minimum interest rate is 2 percent. Commission = 6.5 percent. Return of premium guaranteed.

LIFE INSURANCE COMPANY OF THE SOUTHWEST -
800-906-3310; www.lifeof southwest.com; Available in CT IN MT NJ NV NY OR PA WA GUAM PR. Issue ages 0 to 80. Max premium is $500,000. Minimum interest rate 2.45 percent. Commission not stated. A ten percent bonus accumulation vaue is added in years 6-10.

LINCOLN BENEFIT LIFE COMPANY -
800-525-9287; www.accessallstate.com; Available in all states EXCEPT AK CT MN NJ PA UT WA PR. Issue ages 0 to 85. Max one million dollar premium. Minimum interest rate not stated. Commission = 7.25 percent.

LINCOLN FINANCIAL GROUP -
877-ask-lincoln; www.lfg.com; Available in all states EXCEPT MN NY OR. Issue ages 0 to 85. Max premium of 2 million dollars. Minimum interest rate is 1.75 percent. Commission varies. Fixed account has a multi-year rate guarantee for 6 years.

MIDLAND NATIONAL LIFE -
877-586-0241; Available in all states EXCEPT AK CT DE MN OR TX UT WA. Issue ages 0 to 79. Max one million dollar premium. Minimum interest rate varies. Commission = 7 percent. Fifteen different investment options.

NATIONAL WESTERN LIFE INSURANCE COMPANY -
800-760-3434; www.nationalwesternlife.com; Available in all states EXCEPT AL AK CT MS OR. Issue ages 0 to 80. Max premium is $1.5 million. Interest rate guaranteed to be between 1 percent and 3 percent. Commission = 7 percent. Premium bonus of ten percent the first year. The death benefit equals the contract value.

NORTH AMERICAN COMPANY FOR LIFE AND HEALTH -
866-322-7066; www.nacannuity.com; Available in all states EXCEPT AK CT DE MN OR UT WA. Issue ages 0 to 79. Max premium is one million dollars. Minimum interest rate varies. Commission = 6.5 percent. A ten percent premium bonus is offered. There are fifteen different investment options.

RBC INSURANCE, LIBERTY LIFE INSURANCE COMPANY -
888-262-8131; www.rbcinsurance.com/us; Available in all states EXCEPT AK CT DE HI MN NJ NY OK OR PA TX UT WA GUAM PR. Issue ages 0 to 85. Max premium is one million dollars; or $250,000 for ages 81-85. Guaranteed one percent interest rate. Commission = 8 percent. Guaranteed life withdrawal benefit; Upfront premium bonus; High issue age limit.

UNION CENTRAL LIFE, A UNIFI COMPANY -
800-319-6903; www.unificompanies.com; Available in all states EXCEPT PA VT GUAM PR. Issue ages 0 to 85. Max premium is one million dollars. Guaranteed interest rate is 2 percent on fixed accounts; zero precent on index. Commission not stated.