--- title: On The Move - August 29, 2023 - Insurance Agency Marketing Services description: Rates changing! 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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 – August 29, 2023 ### **September 1, 2023** – Effective Date of Change ## Brighthouse Life Insurance Company #### Fixed Indexed Annuity **SecureAdvantage 50,000+** - Fixed Account:  Rate: 3.50% - 6-Year S&P 500 Annual Sum with Cap:  Cap 12.500%  - 6-Year S&P 500 Annual Sum with Participation Rate:  Part Rate 60% - 6-Year S&P 500 Point-to-Point with Participation:  Part Rate 70% - 6-Year Russell Annual Sum with Cap :  Cap 12.000%  - 6-Year Russell Annual Sum with Participation Rate :  Part Rate 50% - 6-Year Russell Point-to-Point with Participation:  Part Rate 65% - 6-Year Credit Suisse truVol US Target Sectors Index with Participation:  Part Rate 185% - 6-Year Credit Suisse truVol US Target Sectors Index Annual Sum with Participation:  Part Rate 175% **SecureAdvantage 100,000+** - Fixed Account:  Rate: 3.50% - 6-Year S&P 500 Annual Sum with Cap:  Cap 13.000%  - 6-Year S&P 500 Annual Sum with Participation Rate:  Part Rate 70% - 6-Year S&P 500 Point-to-Point with Participation:  Part Rate 80% - 6-Year Russell Annual Sum with Cap :  Cap 12.500%  - 6-Year Russell Annual Sum with Participation Rate :  Part Rate 65% - 6-Year Russell Point-to-Point with Participation:  Part Rate 75% - 6-Year Credit Suisse truVol US Target Sectors Index with Participation:  Part Rate 195% - 6-Year Credit Suisse truVol US Target Sectors Index Annual Sum with Participation:  Part Rate 185% **SecureAdvantage 500,000+** - Fixed Account:  Rate: 3.50% - 6-Year S&P 500 Annual Sum with Cap:  Cap 13.250%  - 6-Year S&P 500 Annual Sum with Participation Rate:  Part Rate 75% - 6-Year S&P 500 Point-to-Point with Participation:  Part Rate 85% - 6-Year Russell Annual Sum with Cap :  Cap 12.750%  - 6-Year Russell Annual Sum with Participation Rate :  Part Rate 70% - 6-Year Russell Point-to-Point with Participation:  Part Rate 80% - 6-Year Credit Suisse truVol US Target Sectors Index with Participation:  Part Rate 200% - 6-Year Credit Suisse truVol US Target Sectors Index Annual Sum with Participation:  Part Rate 190% ## Clear Spring Life #### Fixed Indexed Annuity **ClearFlex 10,000+** - 1-Year BNP Paribas Technology Balanced 7 Pt-to-Pt w/ Participation:  Part Rate 145% - 1-Year S&P 500 Sector Rotator Daily RC2 5% Index ER Pt-to-Pt w/ Participation:  Part Rate 170% - 1-Year S&P MARC 5% Excess Return Index Pt-to-Pt w/ Participation:  Part Rate 175% - 1-Year S&P 500 Index Pt-to-Pt w/ Annual Cap:  Cap 9.500%  - 1-Year S&P 500 Index Pt-to-Pt w/ Participation:  Part Rate 35% - 1-Year Fixed Rate:  Rate: 4.00% **Highlander 10,000+** - S&P 500 1-Year Point-To-Point With Cap:  Cap 7.000%  - S&P 500 1-Year Point-To-Point With Participation:  Part Rate 35% - 1 Year Fixed Rate Strategy:  Rate: 3.50% - S&P 500 MARC 5% ER 1-Year Pt-to-Pt w/Participation :  Part Rate 160% **Highlander 7 10,000+** - 1 Year Fixed:  Rate: 4.25% - S&P MARC 5% ER 1-Year Pt-to-Pt w/Participation:  Part Rate 175% - S&P 500 1-Year Pt-to-Pt w/Annual Cap:  Cap 9.000%  - S&P 500 1-Year Pt-to-Pt w/Participation:  Part Rate 40% **TriVysta 10,000+** - S&P 500 Annual Pt-to-Pt:  Cap 10.250%  - MS Diversified Select 1-Year Pt-to-Pt Participation:  Part Rate 75% - MS Diversified Select 2-Year Pt-to-Pt Participation:  Part Rate 200% - 1-Year Fixed:  Rate: 4.50% - S&P 500 Economic Cycle Factor Rotator Index 1-Year Pt-to-Pt Participation:  Part Rate 190% - S&P 500 Daily Risk Control 5% USD Excess Return 1-Year Pt-to-Pt w/Participation:  Part Rate 180% **ViStar 10,000+** - S&P 500 w/ Cap:  Cap 9.500%  - S&P 500 w/ Participation:  Part Rate 35% - S&P 500 Sector Rotator Daily RC2 5% Index ER w/ Participation:  Part Rate 170% - S&P Economic Cycle Factor Rotator Index w/ Participation:  Part Rate 170% - S&P MARC 5% Excess Return Index w/ Participation:  Part Rate 175% - Fixed:  Rate: 4.00% ### MYGA - **Preserve MYGA 1 **10,000+  4.15% - **Preserve MYGA 1 **250,000+  4.25% - **Preserve MYGA 10 **10,000+  5.25% - **Preserve MYGA 10 **250,000+  5.35% - **Preserve MYGA 2 **10,000+  4.35% - **Preserve MYGA 2 **250,000+  4.45% - **Preserve MYGA 3 **10,000+  5.20% - **Preserve MYGA 3 **250,000+  5.30% - **Preserve MYGA 4 **10,000+  5.20% - **Preserve MYGA 4 **250,000+  5.30% - **Preserve MYGA 5 **10,000+  5.20% - **Preserve MYGA 5 **250,000+  5.30% - **Preserve MYGA 6 **10,000+  5.20% - **Preserve MYGA 6 **250,000+  5.30% - **Preserve MYGA 7 **10,000+  5.20% - **Preserve MYGA 7 **250,000+  5.30% - **Preserve MYGA 8 **10,000+  5.20% - **Preserve MYGA 8 **250,000+  5.30% - **Preserve MYGA 9 **10,000+  5.20% - **Preserve MYGA 9 **250,000+  5.30% ## Delaware Life #### Fixed Indexed Annuity **Retirement Stages Select 5 25,000+** - Fixed:  Rate: 4.75% - 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.000%  - 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 60% - 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 140% - 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 130% - 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 155% - 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 7.750%  **Retirement Stages Select 5 100,000+** - Fixed:  Rate: 5.00% - 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.500%  - 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 65% - 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 150% - 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 140% - 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 165% - 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.250%  **Retirement Stages Select 7 25,000+** - Fixed:  Rate: 4.75% - 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.000%  - 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 60% - 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 7.750%  - 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 140% - 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 130% - 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 155% **Retirement Stages Select 7 100,000+** - Fixed:  Rate: 5.00% - 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.500%  - 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 65% - 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.250%  - 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 150% - 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 140% - 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 165% **Target Growth 10 25,000+** - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.250%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 35% - 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 140% - 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 130% - Fixed:  Rate: 4.25% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 150% - 1 Year S&P 500 Performance Trigger:  Cap 7.500%  - 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 55% **Target Growth 10 100,000+** - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 9.750%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 40% - 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 155% - 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 145% - Fixed:  Rate: 4.50% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 165% - 1 Year S&P 500 Performance Trigger:  Cap 8.250%  - 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 65% **Target Income 10 25,000+** - 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 95% - 1 Year S&P 500 with Cap:  Cap 5.000%  - Fixed:  Rate: 3.00% - 1 Year S&P 500 with Participation:  Part Rate 25% - 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 95% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 105% **Target Income 10 100,000+** - 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 110% - 1 Year S&P 500 with Cap:  Cap 5.250%  - Fixed:  Rate: 3.00% - 1 Year S&P 500 with Participation:  Part Rate 27% - 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 110% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 115% **Target Income 10 500,000+** - 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 115% - 1 Year S&P 500 with Cap:  Cap 5.500%  - Fixed:  Rate: 3.00% - 1 Year S&P 500 with Participation:  Part Rate 30% - 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 115% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 120% ### MYGA - **Apex MYGA 3 **10,000+  4.90% - **Apex MYGA 3 **100,000+  5.15% - **Apex MYGA 5 **10,000+  5.10% - **Apex MYGA 5 **100,000+  5.30% - **Apex MYGA 7 **10,000+  5.20% - **Apex MYGA 7 **100,000+  5.35% - **Pinnacle Plus MYGA 10 **25,000+  5.20% - **Pinnacle Plus MYGA 10 **100,000+  5.35% - **Pinnacle Plus MYGA 3 **25,000+  4.90% - **Pinnacle Plus MYGA 3 **100,000+  5.15% - **Pinnacle Plus MYGA 5 **25,000+  5.05% - **Pinnacle Plus MYGA 5 **100,000+  5.25% - **Pinnacle Plus MYGA 7 **25,000+  5.15% - **Pinnacle Plus MYGA 7 **100,000+  5.30% ## Liberty Bankers Life #### Fixed Annuity - **Liberty Choice **5,000+  4.05% w/ 1.00% Bonus - **Liberty Select **5,000+  4.11% w/ 1.50% Bonus ### MYGA - **Bankers 3 **10,000+  4.50% - **Bankers 5 **10,000+  4.70% - **Bankers 5 Premier **10,000+  5.00% - **Bankers 5 Premier Plus **10,000+  5.00% w/ 1.00% Bonus - **Bankers 7 **10,000+  4.70% - **Bankers 7 Premier **10,000+  5.00% - **Bankers Elite 3 **10,000+  4.60% - **Bankers Elite 5 **10,000+  5.05% - **Bankers Elite 7 **10,000+  5.05% - **Bankers Elite 9 **10,000+  5.10% ## Nationwide Life Insurance Company ### Fixed Indexed Annuity **Nationwide Peak 5 25,000+** - MSCI EAFE Annual Point-to-Point:  Cap 10.000%  - S&P 500 Annual Point-to-Point:  Cap 8.500%  - J.P. Morgan Mozaic II Point-to-Point:  Cap 9.000%  - Morgan Stanley 3D Index:  Cap 9.000%  - 1 Year Fixed Account:  Rate: 4.60% **Nationwide Peak 5 100,000+** - MSCI EAFE Annual Point-to-Point:  Cap 10.500%  - S&P 500 Annual Point-to-Point:  Cap 8.750%  - J.P. Morgan Mozaic II Point-to-Point:  Cap 9.500%  - Morgan Stanley 3D Index:  Cap 9.500%  - 1 Year Fixed Account:  Rate: 4.90% **Nationwide Peak 5 MVA 25,000+** - MSCI EAFE Annual Point-to-Point:  Cap 10.250%  - S&P 500 Annual Point-to-Point:  Cap 8.750%  - J.P. Morgan Mozaic II Point-to-Point:  Cap 9.500%  - Morgan Stanley 3D Index:  Cap 9.500%  - 1 Year Fixed Account:  Rate: 4.70% **Nationwide Peak 5 MVA 100,000+** - MSCI EAFE Annual Point-to-Point:  Cap 10.750%  - S&P 500 Annual Point-to-Point:  Cap 9.000%  - J.P. Morgan Mozaic II Point-to-Point:  Cap 10.000%  - Morgan Stanley 3D Index:  Cap 10.000%  - 1 Year Fixed Account:  Rate: 4.95% **Nationwide Peak 7 25,000+** - MSCI EAFE Annual Point-to-Point:  Cap 10.250%  - S&P 500 Annual Point-to-Point:  Cap 9.250%  - 1 Year Fixed Account:  Rate: 4.70% - J.P. Morgan Mozaic II Point-to-Point:  Cap 9.000%  - Morgan Stanley 3D Index:  Cap 9.000%  **Nationwide Peak 7 100,000+** - MSCI EAFE Annual Point-to-Point:  Cap 11.000%  - S&P 500 Annual Point-to-Point:  Cap 9.750%  - 1 Year Fixed Account:  Rate: 4.95% - J.P. Morgan Mozaic II Point-to-Point:  Cap 9.500%  - Morgan Stanley 3D Index:  Cap 9.500%  **Nationwide Peak 7 MVA 25,000+** - MSCI EAFE Annual Point-to-Point:  Cap 10.750%  - S&P 500 Annual Point-to-Point:  Cap 9.500%  - 1 Year Fixed Account:  Rate: 4.75% - J.P. Morgan Mozaic II Point-to-Point:  Cap 9.500%  - Morgan Stanley 3D Index:  Cap 9.500%  **Nationwide Peak 7 MVA 100,000+** - MSCI EAFE Annual Point-to-Point:  Cap 11.500%  - S&P 500 Annual Point-to-Point:  Cap 10.000%  - 1 Year Fixed Account:  Rate: 5.00% - J.P. Morgan Mozaic II Point-to-Point:  Cap 10.000%  - Morgan Stanley 3D Index:  Cap 10.000%  #### Author:Webmaster [Next On The Move – August 22, 2023](https://blog.iamsinc.com/on-the-move-august-22-2023) [Previous On The Move – September 19, 2023](https://blog.iamsinc.com/on-the-move-sept-19-2023) ### 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. THIS SITE IS FOR AGENT USE ONLY. [Disclosures](https://www.iamsinc.com/disclaimer/). [Privacy Center](https://www.iamsinc.com/privacy-center/). 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