--- title: On The Move - April 15, 2025 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – April 15, 2025 #### April 15, 2025 – Effective Date of Change ## Integrity Life Insurance Company (Legacy) #### **Fixed Indexed Annuity** **JourneyMark 10,000+** - Fixed:  Rate: 3.9% - 1-Year S&P 500 Point-to-Point:  Part Rate 37% - 1-Year GS Pathfinder Point-to-Point:  Part Rate 72% - 2-Year GS Pathfinder Point-to-Point:  Part Rate 110% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 157% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 225% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 197% **JourneyMark 5 10,000+** - 1-Year S&P 500 Point-to-Point:  Part Rate 39% - 1-Year GS Mariner Point-to-Point:  Part Rate 152% - 2-Year GS Mariner Point-to-Point:  Part Rate 197% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 167% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 242% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 210% - Fixed:  Rate: 4.2% **JourneyMark 7 10,000+** - 1-Year S&P 500 Point-to-Point:  Part Rate 39% - 1-Year GS Mariner Point-to-Point:  Part Rate 152% - 2-Year GS Mariner Point-to-Point:  Part Rate 197% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 167% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 242% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 210% - Fixed:  Rate: 4.2% **JourneyMark 7 w/ Cascade Rider 10,000+** - 1-Year S&P 500 Point-to-Point:  Part Rate 39% - 1-Year GS Mariner Point-to-Point:  Part Rate 152% - 2-Year GS Mariner Point-to-Point:  Part Rate 197% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 167% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 242% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 210% - Fixed:  Rate: 4.2% **JourneyMark 7 w/ Expanse Rider 10,000+** - 1-Year S&P 500 Point-to-Point:  Part Rate 47% - 1-Year GS Mariner Point-to-Point:  Part Rate 182% - 2-Year GS Mariner Point-to-Point:  Part Rate 235% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 200% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 287% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 247% - Fixed:  Rate: 5% **JourneyMark w/ Cascade Rider 10,000+** - 1-Year S&P 500 Point-to-Point:  Part Rate 37% - 1-Year GS Pathfinder Point-to-Point:  Part Rate 72% - 2-Year GS Pathfinder Point-to-Point:  Part Rate 110% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 157% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 225% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 197% - Fixed:  Rate: 3.9% **JourneyMark w/ Expanse Rider 10,000+** - 1-Year S&P 500 Point-to-Point:  Part Rate 44% - 1-Year GS Pathfinder Point-to-Point:  Part Rate 86% - 2-Year GS Pathfinder Point-to-Point:  Part Rate 132% - 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 187% - 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 270% - 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 235% - Fixed:  Rate: 4.7% ## Oceanview Life and Annuity **Harbourview FIA 10 20,000+** - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8%  - 1 Year Fixed Rate Account:  Rate: 7% - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60% - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90% - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5%  **Harbourview FIA 10 CA 20,000+** - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8%  - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50% - 1 Year Fixed Rate Account:  Rate: 7% - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90% **Harbourview FIA 3 20,000+** - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70% - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.75%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 60% - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 75% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4%  - 1 Year Fixed Account:  Rate: 3.75% - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.75%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.75%  **Harbourview FIA 3 CA 20,000+** - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.75%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.75%  - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.75%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50% - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4%  - 1 Year Fixed Account:  Rate: 3.75% - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70% **Harbourview FIA 5 20,000+** - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70% - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9%  - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65% - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5%  - 1 Year Fixed Account:  Rate: 3.75% **Harbourview FIA 5 CA 20,000+** - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9%  - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5%  - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50% - 1 Year Fixed Account:  Rate: 3.75% - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70% **Harbourview FIA 7 20,000+** - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80% - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5%  - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60% - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7%  - 1 Year Fixed Account:  Rate: 6% **Harbourview FIA 7 CA 20,000+** - 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35% - 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7%  - 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50% - 1 Year Fixed Account:  Rate: 6% - 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5%  - 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160% - 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80% #### **April 16, 2025 – Effective Date of Change** ## Fidelity & Guaranty Life #### MYGA - **FG Guarantee-Platinum 3 **20,000+  4.90% - **FG Guarantee-Platinum 5 **20,000+  5.20% - **FG Guarantee-Platinum 7 **20,000+  5.20% #### April 17, 2025 – Effective Date of Change ## Delaware Life #### MYGA - **Apex MYGA 3 **10,000+  4.65% - **Apex MYGA 3 **100,000+  4.95% - **Apex MYGA 5 **10,000+  5.00% - **Apex MYGA 5 **100,000+  5.30% - **Apex MYGA 7 **10,000+  5.05% - **Apex MYGA 7 **100,000+  5.30% - **Pinnacle Plus MYGA 10 **25,000+  4.95% - **Pinnacle Plus MYGA 10 **100,000+  5.20% - **Pinnacle Plus MYGA 3 **25,000+  4.60% - **Pinnacle Plus MYGA 3 **100,000+  4.90% - **Pinnacle Plus MYGA 5 **25,000+  4.95% - **Pinnacle Plus MYGA 5 **100,000+  5.25% - **Pinnacle Plus MYGA 7 **25,000+  5.00% - **Pinnacle Plus MYGA 7 **100,000+  5.25% Ibexis #### Fixed Indexed Annuity **FIA Plus 10 25,000+** - 1 Year Fixed Account:  Rate: 4% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10%  Floor -2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 11.75%  Floor -5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 19.25%  Floor -15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 15.5%  Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107% - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 161% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 195% Floor -15%  - :  Rate: 4.05% **FIA Plus 10 100,000+** - :  Rate: 4.25% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 202% Floor -15%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 195% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 168% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 142% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114% - S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.25%  Floor -15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.75%  Floor -5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11%  Floor -2.5%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100% - 1 Year Fixed Account:  Rate: 4.05% **FIA Plus 10 Premium Bonus 25,000+** - Annual Declared Rate:  Rate: 2.65% - Fixed Account:  Rate: 2.45% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 52% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 4.75%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 60% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 155% Floor 15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 77% Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 102% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 138% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 154% Floor 15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 5.75%  Floor 2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 7%  Floor 5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 12%  Floor 15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 9.5%  Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 91% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 113% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 139% Floor 10%  **FIA Plus 10 Premium Bonus 100,000+** - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 146% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 120% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 98% Floor 2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.5%  Floor 10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 13%  Floor 15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 8%  Floor 5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.75%  Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 161% Floor 15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 145% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 109% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 84% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 162% Floor 15%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 67% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.75%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 59% - Fixed Account:  Rate: 2.65% - Annual Declared Rate:  Rate: 2.85% **FIA Plus 5 25,000+** - :  Rate: 4.05% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 191% Floor -15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 9.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 11.5%  Floor -5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 19%  Floor -15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 15.25%  Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 131% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 157% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 184% Floor -10%  - 1 Year Fixed Rate Account:  Rate: 3.85% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.25%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 103% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10%  **FIA Plus 5 100,000+** - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 110% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.25%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100% - 1 Year Fixed Rate Account:  Rate: 4.05% - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 191% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 164% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 138% Floor -2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.25%  Floor -10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 20%  Floor -15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.75%  Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 198% Floor -15%  - :  Rate: 4.25% **FIA Plus 5 Premium Bonus 25,000+** - Annual Declared Rate:  Rate: 3.05% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 174% Floor 15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.5%  Floor 2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 7.75%  Floor 5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 12.75%  Floor 15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.25%  Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 109% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 133% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 160% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 175% Floor 15%  - Fixed Account:  Rate: 2.85% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 67% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.25%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 79% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 97% Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 121% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 155% Floor 10%  **FIA Plus 5 Premium Bonus 100,000+** - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 162% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 128% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 104% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 86% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.25%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 74% - Fixed Account:  Rate: 3.05% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 182% Floor 15%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 167% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 140% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 116% Floor 2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.25%  Floor 10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 13.75%  Floor 15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.5%  Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 181% Floor 15%  - Annual Declared Rate:  Rate: 3.25% **FIA Plus 7 25,000+** - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 195% Floor -15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 9.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 11.5%  Floor -5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 19%  Floor -15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 15.25%  Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107% - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 161% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10%  - 1 Year Fixed Account:  Rate: 4% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.25%  - Annual Declared Rate:  Rate: 4.2% **FIA Plus 7 100,000+** - Annual Declared Rate:  Rate: 4.4% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.25%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100% - 1 Year Fixed Account:  Rate: 4.2% - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 195% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 168% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 142% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114% - S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.25%  Floor -10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 20%  Floor -15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.75%  Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 202% Floor -15%  **FIA Plus 7 Premium Bonus 25,000+** - Annual Declared Rate:  Rate: 3.1% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 170% Floor 15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 169% Floor 15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.5%  Floor 2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 7.75%  Floor 5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 12.75%  Floor 15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.25%  Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 106% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 128% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 154% Floor 10%  - Fixed Account:  Rate: 2.9% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 65% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.25%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 78% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 92% Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 118% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 151% Floor 10%  **FIA Plus 7 Premium Bonus 100,000+** - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 158% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 125% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 99% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 85% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.25%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 72% - Fixed Account:  Rate: 3.1% - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 161% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 135% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor 2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.25%  Floor 10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 13.75%  Floor 15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.5%  Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 176% Floor 15%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 177% Floor 15%  - Annual Declared Rate:  Rate: 3.3% **WealthDefender 10 25,000+** - 1 Year Fixed Interest Strategy :  Rate: 4.25% - S&P 500 1-Year Cap Rate:  Cap 8.25%  - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 78% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 112% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 122% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 81% **WealthDefender 10 100,000+** - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 87% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 131% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 121% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 84% - S&P 500 1-Year Cap Rate:  Cap 9.25%  - 1 Year Fixed Interest Strategy :  Rate: 4.45% **WealthDefender 5 25,000+** - 1 Year Fixed Interest Strategy :  Rate: 3.95% - S&P 500 1-Year Cap Rate:  Cap 8%  - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 74% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 104% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77% **WealthDefender 5 100,000+** - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 113% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 80% - S&P 500 1-Year Cap Rate:  Cap 9%  - 1 Year Fixed Interest Strategy :  Rate: 4.15% **WealthDefender 7 25,000+** - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114% - 1 Year Fixed Interest Strategy :  Rate: 4.05% - S&P 500 1-Year Cap Rate:  Cap 8%  - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 74% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 104% **WealthDefender 7 100,000+** - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 113% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 80% - S&P 500 1-Year Cap Rate:  Cap 9%  - 1 Year Fixed Interest Strategy :  Rate: 4.25% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83% **WealthDefender Bonus 10 25,000+** - 1 Year Fixed Interest Strategy :  Rate: 3% - S&P 500 1-Year Cap Rate:  Cap 5.25%  - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 58% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62% **WealthDefender Bonus 10 100,000+** - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64% - S&P 500 1-Year Cap Rate:  Cap 6.25%  - 1 Year Fixed Interest Strategy :  Rate: 3.2% **WealthDefender Bonus 5 25,000+** - 1 Year Fixed Interest Strategy :  Rate: 2.85% - S&P 500 1-Year Cap Rate:  Cap 6%  - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 86% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 67% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 94% **WealthDefender Bonus 5 100,000+** - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 103% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 73% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 95% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 70% - S&P 500 1-Year Cap Rate:  Cap 7%  - 1 Year Fixed Interest Strategy :  Rate: 3.05% **WealthDefender Bonus 7 25,000+** - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 59% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 83% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 91% - 1 Year 1Fixed Interest Strategy :  Rate: 3% - S&P 500 1-Year Cap Rate:  Cap 5.75%  **WealthDefender Bonus 7 100,000+** - S&P 500 1-Year Cap Rate:  Cap 6.75%  - 1 Year 1Fixed Interest Strategy :  Rate: 3.2% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 100% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 92% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 65% **WealthDefender Bonus Plus 10 25,000+** - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62% - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89% - S&P 500 1-Year Cap Rate:  Cap 5.25%  - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 58% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79% - 1 Year Fixed Interest Strategy :  Rate: 3% **WealthDefender Bonus Plus 10 100,000+** - 1 Year Fixed Interest Strategy :  Rate: 3.2% - Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88% - Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64% - S&P 500 1-Year Cap Rate:  Cap 6.25%  - Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98% - Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68% #### April 21, 2025 – Effective Date of Change ## Pacific Guardian Life #### MYGA - **Diamond Head 10 **10,000+  5.00% - **Diamond Head 3 **10,000+  4.70% - **Diamond Head 4 **10,000+  4.70% #### Author:Webmaster [Next IAMS Hits the Ground Running at the 44th Annual Corporate Cup](https://blog.iamsinc.com/iams-hits-the-ground-running-at-the-44th-annual-corporate-cup) ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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