--- title: On The Move - August 6, 2024 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- [IAMS Blog](https://blog.iamsinc.com) # [On The Move - August 6, 2024 - Insurance Agency Marketing Services](https://blog.iamsinc.com/on-the-move-august-6-2024) Written by [Webmaster](https://blog.iamsinc.com/author/webmaster) | Aug 6, 2024 8:30:48 AM #### August 7, 2024 – Effective Date of Change ## American Equity Investment Insurance Company #### MYGA - **GuaranteeShield 3 **10,000+  4.00% - **GuaranteeShield 3 **100,000+  4.25% - **GuaranteeShield 3 **250,000+  4.25% - **GuaranteeShield 5 **10,000+  4.10% - **GuaranteeShield 5 **100,000+  4.35% - **GuaranteeShield 5 **250,000+  4.35% ## Fidelity & Guaranty Life #### Fixed Indexed Annuity **FG Accelerator Plus 10 10,000+** - 1-Year Balanced Asset 10 Point to Point Participation:  Part Rate 95% - 1-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5.5%  Part Rate 180% - 2-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5%  Part Rate 200% - 2-Year Balanced Asset 10 Index with Spread & Par with Charge:  Spread 5%  Part Rate 230% - 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 205% - 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 145% - 1-Year GS Global Factor Point to Point Par:  Part Rate 190% - 1-Year GS Global Factor Point to Point Par with Charge:  Part Rate 250% - 2-Year GS Global Factor Point to Point Par with Charge:  Part Rate 320% - 2-Year GS Global Factor Point to Point Par & Spread:  Part Rate 280% - 1-Year S&P 500 Monthly Point-to-Point with Charge:  Cap 3.25%  - 1-Year S&P 500 Point-to-Point with Cap with Charge:  Cap 12%  - 1-Year Index Gain Option with Declared Rate with Charge:  Cap 7.5%  - 2-Year Barclays Trailblazer Sectors 5 Index with Charge:  Part Rate 300% - 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.45%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5%  - 1-Year Index Gain Option with Declared Rate:  Cap 5.75%  - 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 260% - 1-Year Fixed Account:  Rate: 4% - 1-Year S&P 500 Annual Point-to-Point with Participation Rate with Charge:  Part Rate 50% - 1-Year Balanced Asset 5 Index with Spread & Par :  Spread 1%  Part Rate 185% - 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 265% - 1-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 240% - 2-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 305% **FG Accelerator Plus 14 10,000+** - 1-Year Balanced Asset 5 Index with Spread & Par :  Part Rate 190% - 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 275% - 1-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 245% - 2-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 315% - 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.5%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.75%  - 1-Year Index Gain Option with Declared Rate:  Cap 6%  - 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 265% - 1-Year Fixed Account:  Rate: 4% - 1-Year S&P 500 Monthly Point-to-Point with Charge:  Cap 3.35%  - 1-Year S&P 500 Point-to-Point with Cap with Charge:  Cap 12.25%  - 1-Year Index Gain Option with Declared Rate with Charge:  Cap 7.75%  - 2-Year Barclays Trailblazer Sectors 5 Index with Charge:  Part Rate 305% - 1-Year GS Global Factor Point to Point Par:  Part Rate 195% - 1-Year GS Global Factor Point to Point Par with Charge:  Part Rate 255% - 2-Year GS Global Factor Point to Point Par with Charge:  Part Rate 330% - 2-Year GS Global Factor Point to Point Par & Spread:  Part Rate 290% - 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 210% - 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 150% - 1-Year Balanced Asset 10 Point to Point Participation:  Part Rate 100% - 1-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5.5%  Part Rate 185% - 2-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5%  Part Rate 205% - 2-Year Balanced Asset 10 Index with Spread & Par with Charge:  Spread 5%  Part Rate 235% - 1-Year S&P 500 Annual Point-to-Point with Participation Rate with Charge:  Part Rate 50% **FG AccumulatorPlus 10 10,000+** - 1-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 205% - 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 300% - 1-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 265% - 2-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 340% - 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.65%  - 1-Year S&P 500 Monthly Average with Cap:  Cap 10.75%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.25%  - 1-Year S&P 500 Annual Performance Trigger:  Cap 6.25%  - 1-Year Fixed Account:  Rate: 4% - 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 280% - 1-Year S&P 500 Monthly Point-to-Point With Charge:  Cap 3.5%  - 1-Year S&P 500 Monthly Average with Cap With Charge:  Cap 14.25%  - 1-Year S&P 500 Point-to-Point with Cap With Charge:  Cap 12.75%  - 1-Year S&P 500 Annual Performance Trigger With Charge:  Cap 8%  - 2-Year Barclays Trailblazer Sectors 5 Index With Charge:  Part Rate 320% - 1-Year S&P 500 Annual Point-to-Point with Participation Rate With Charge:  Part Rate 55% **FG AccumulatorPlus 7 10,000+** - 1-Year S&P 500 Annual Point-to-Point with Participation Rate With Charge:  Part Rate 55% - 1-Year S&P 500 Monthly Point-to-Point With Charge:  Cap 3.4%  - 1-Year S&P 500 Monthly Average with Cap With Charge:  Cap 14%  - 1-Year S&P 500 Point-to-Point with Cap With Charge:  Cap 12.5%  - 1-Year S&P 500 Annual Performance Trigger With Charge:  Cap 7.75%  - 2-Year Barclays Trailblazer Sectors 5 Index With Charge:  Part Rate 315% - 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.55%  - 1-Year S&P 500 Monthly Average with Cap:  Cap 10.5%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9%  - 1-Year S&P 500 Annual Performance Trigger:  Cap 6%  - 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 275% - 1-Year Fixed Account:  Rate: 4% - 1-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 260% - 2-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 335% - 1-Year GS Global Factor Point-to-Point Spread and Par :  Part Rate 200% - 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 295% **FG Power Accumulator 10 10,000+** - 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 210% - 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 150% - 1-Year BlackRock Market Advantage Point-to-Point with Par \*FEE\*:  Part Rate 195% - 2-Year BlackRock Market Advantage Point-to-Point with Par \*FEE\*:  Part Rate 240% - 1-Year Fixed Account:  Rate: 4% - 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 95% - 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 3%  Part Rate 185% - 1-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Par:  Part Rate 50% - 2-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 60% - 1-Year iShares MSCI EAFE (EFA) Point-to-Point with Par:  Part Rate 50% - 2-Year iShares MSCI EAFE (EFA) Point-to-Point with Spread & Par:  Spread 4.5%  Part Rate 75% - 1-Year iShares U.S. Real Estate (IYR) Point-to-Point with Par :  Part Rate 40% - 2-Year iShares U.S. Real (IYR) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 60% - 1-Year iShares Gold Trust (IAU) Point-to-Point with Par :  Part Rate 45% - 1-Year Balanced Asset 5 Index Par:  Part Rate 200% - 1-Year Balanced Asset 5 Index Par \*FEE\*:  Part Rate 255% - 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 295% - 2-Year Balanced Asset 5 Index Par \*FEE\*:  Part Rate 335% **FG Power Accumulator 7 10,000+** - 1-Year Balanced Asset 5 Index Par:  Part Rate 195% - 1-Year Balanced Asset 5 Index Par \*FEE\*:  Part Rate 250% - 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 290% - 2-Year Balanced Asset 5 Index Par \*FEE\*:  Part Rate 330% - 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 90% - 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 3%  Part Rate 180% - 1-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Par:  Part Rate 50% - 2-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 60% - 1-Year iShares MSCI EAFE (EFA) Point-to-Point with Par:  Part Rate 50% - 2-Year iShares MSCI EAFE (EFA) Point-to-Point with Spread & Par:  Spread 4.5%  Part Rate 70% - 1-Year iShares U.S. Real Estate (IYR) Point-to-Point with Par :  Part Rate 40% - 2-Year iShares U.S. Real Estate (IYR) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 60% - 1-Year iShares Gold Trust (IAU) Point-to-Point with Par :  Part Rate 45% - 1-Year Fixed Account:  Rate: 4% - 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 205% - 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 145% - 1-Year BlackRock Market Advantage Point-to-Point with Par \*FEE\*:  Part Rate 190% - 2-Year BlackRock Market Advantage Point-to-Point with Par \*FEE\*:  Part Rate 235% **Flex Accumulator 10,000+** - 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 90% - 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par with Fee:  Spread 4%  Part Rate 195% - 2-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 190% - 2-Year BlackRock Market Advantage Point-to-Point with Par \*FEE\*:  Part Rate 220% - 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 4%  Part Rate 170% - S&P 500 1-year Monthly Point-to-Point w/Cap:  Cap 2.25%  - S&P 500 1-Year Annual Point-to-Point w/Cap:  Cap 7.75%  - Barclays TrailBlazer Sector 5 Index 2-Year Point-to-Point w/Spread & Par :  Part Rate 240% - S&P 500 1-year Monthly Point-to-Point w/Cap With Charge:  Cap 3%  - Barclays TrailBlazer Sector 5 Index 2-Year Point-to-Point w/Spread & Par With Charge:  Part Rate 280% - 1 Year Fixed Account :  Rate: 3.75% - S&P 500 1-Year Annual Point-to-Point w/Spread & Par With Charge:  Spread 3%  Part Rate 60% - S&P 500 1-Year Annual Point-to-Point w/Spread & Par:  Spread 3%  Part Rate 45% **Performance Pro with GMWB 10,000+** - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 225% - 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.15%  - 1-Year S&P 500 Annual Point-to-Point:  Cap 7.25%  - 2-Year S&P 500 Point-to-Point:  Cap 12.25%  - 3-Year S&P 500 Point-to-Point:  Cap 19.5%  - 1-Year Gold Point-to-Point:  Cap 7.75%  - 1-Year Fixed Account:  Rate: 3% - 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 175% - 1-Year Balanced Asset 5 Point to Point Participation:  Part Rate 155% - 2-Year Balanced Asset 5 Point to Point Participation with Charge:  Part Rate 265% - 2-Year Balanced Asset 5 Point to Point Participation and Spread:  Part Rate 225% - 1-Year GS Global Factor Point-to-Point Par :  Part Rate 165% - 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 240% - 2-Year GS Global Factor Point to Point Participation with Charge :  Part Rate 285% **Prosperity Elite 10 Enhancement 10,000+** - 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 190% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 275% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 315% - 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 190% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 285% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 325% - 1-Year Gold Point-to-Point with a Cap:  Cap 9.75%  - 1-Year S&P 500 Monthly Point-to-Point with a Cap :  Cap 2.5%  - 1-Year S&P 500 Monthly Average with A Cap :  Cap 12.75%  - 1-Year S&P 500 Point-to-Point with a Cap :  Cap 8.5%  - 1-Year Index Gain Option with Declared Rate:  Cap 6%  - 1 Year Fixed Account :  Rate: 4% - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 265% **Prosperity Elite 10 Protection 10,000+** - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 265% - 1-Year S&P 500 Monthly Point-to-Point with a Cap :  Cap 2.5%  - 1-Year S&P 500 Monthly Average with A Cap :  Cap 12.75%  - 1-Year S&P 500 Point-to-Point with a Cap :  Cap 8.5%  - 1-Year Index Gain Option with Declared Rate:  Cap 6%  - 1 Year Fixed Account :  Rate: 4% - 1-Year Gold Point-to-Point with a Cap:  Cap 9.75%  - 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 190% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 275% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 315% - 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 190% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 285% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 325% **Prosperity Elite 14 Enhancement 10,000+** - 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 195% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 280% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 320% - 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 195% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 290% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 330% - 1-Year Gold Point-to-Point with a Cap:  Cap 10%  - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 270% - 1-Year S&P 500 Monthly Point-to-Point with a Cap:  Cap 2.6%  - 1-Year S&P 500 Monthly Average with A Cap :  Cap 13%  - 1-Year S&P 500 Point-to-Point with a Cap :  Cap 8.75%  - 1-Year Index Gain Option with Declared Rate:  Cap 6.25%  - 1 Year Fixed Account :  Rate: 4% **Prosperity Elite 14 Protection 10,000+** - 1-Year S&P 500 Monthly Point-to-Point with a Cap:  Cap 2.6%  - 1-Year S&P 500 Monthly Average with A Cap :  Cap 13%  - 1-Year S&P 500 Point-to-Point with a Cap :  Cap 8.75%  - 1-Year Index Gain Option with Declared Rate:  Cap 6.25%  - 1 Year Fixed Account :  Rate: 4% - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 270% - 1-Year Gold Point-to-Point with a Cap:  Cap 10%  - 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 195% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 280% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 320% - 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 195% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 290% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 330% **Prosperity Elite 7 Enhancement 10,000+** - 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 185% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 265% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 305% - 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 185% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 280% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 320% - 1-Year Gold Point-to-Point with a Cap:  Cap 9.5%  - 1-Year S&P 500 Monthly Point-to-Point with Cap :  Cap 2.4%  - 1-Year S&P 500 Monthly Average with Cap :  Cap 12.5%  - 1-Year S&P 500 Point-to-Point with Cap :  Cap 8.25%  - 1-Year Index Gain Option with Declared Rate:  Cap 5.75%  - 1 Year Fixed Account :  Rate: 4% - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 260% **Prosperity Elite 7 Protection 10,000+** - 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 260% - 1-Year S&P 500 Monthly Point-to-Point with Cap :  Cap 2.4%  - 1-Year S&P 500 Monthly Average with Cap :  Cap 12.5%  - 1-Year S&P 500 Point-to-Point with Cap :  Cap 8.25%  - 1-Year Index Gain Option with Declared Rate:  Cap 5.75%  - 1 Year Fixed Account :  Rate: 4% - 1-Year Gold Point-to-Point with a Cap:  Cap 9.5%  - 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 185% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 265% - 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 305% - 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 185% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 280% - 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 320% #### MYGA - **FG Guarantee-Platinum 3 **20,000+  5.00% - **FG Guarantee-Platinum 5 **20,000+  5.20% - **FG Guarantee-Platinum 7 **20,000+  5.20% ## Reliance Standard Life #### MYGA - **Eleos MVA 5 **10,000+  5.00% - **Eleos SP 5 **10,000+  4.85% - **Reliance Guarantee – 10 **20,000+  4.70% - **Reliance Guarantee – 5 **20,000+  5.00% - **Reliance Guarantee – 7 **20,000+  4.90% **August 08, 2024** – Effective Date of Change ## Ibexis #### Fixed Indexed Annuity **FIA Plus 10 25,000+** - Fixed Account:  Rate: 4.1% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 104% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 129% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 154% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 185% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 203% Floor -15%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.75%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 14%  Floor -5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 23%  Floor -15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 18%  Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 120% - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 148% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 173% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 208% Floor -15%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 201% Floor -10%  - Annual Declared Rate:  Rate: 4.3% **FIA Plus 10 100,000+** - Annual Declared Rate:  Rate: 4.5% - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 207% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 215% Floor -15%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 180% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 155% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 127% - S&P 500 Annual PTP Cap with -10% Floor:  Cap 19%  Floor -10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 24%  Floor -15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 15%  Floor -5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 12.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 10.75%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 209% Floor -15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 191% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 160% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 110% - Fixed Account:  Rate: 4.3% **FIA Plus 10 Premium Bonus 25,000+** - Fixed Account:  Rate: 2.85% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 64% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.75%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 73% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 160% Floor 15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 88% Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 114% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 149% Floor 10%  - Annual Declared Rate:  Rate: 3.05% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 164% Floor 15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.25%  Floor 2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 14.75%  Floor 15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.75%  Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 104% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 150% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 125% Floor 5%  **FIA Plus 10 Premium Bonus 100,000+** - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 132% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 157% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 110% Floor 2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 12.75%  Floor 10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 15.75%  Floor 15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 9.75%  Floor 5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 8.25%  Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 170% Floor 15%  - Annual Declared Rate:  Rate: 3.25% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 155% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 120% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 95% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 166% Floor 15%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 80% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.75%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 70% - Fixed Account:  Rate: 3.05% **FIA Plus 5 25,000+** - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 14%  Floor -5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 23%  Floor -15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 18%  Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 148% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 173% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 201% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 208% Floor -15%  - Fixed Account:  Rate: 4.1% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 104% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.75%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 120% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 129% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 154% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 185% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 203% Floor -15%  - Annual Declared Rate:  Rate: 4.3% **FIA Plus 5 100,000+** - Annual Declared Rate:  Rate: 4.5% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 209% Floor -15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 191% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 160% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 127% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 10.75%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 110% - Fixed Account:  Rate: 4.3% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 215% Floor -15%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 207% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 180% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 155% Floor -2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 19%  Floor -10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 24%  Floor -15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 15%  Floor -5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 12.75%  Floor -2.5%  **FIA Plus 5 Premium Bonus 25,000+** - Annual Declared Rate:  Rate: 3.65% - Fixed Account:  Rate: 3.45% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 80% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.75%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 94% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 109% Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 134% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 167% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 186% Floor 15%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 8.25%  Floor 2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 9.75%  Floor 5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 15.75%  Floor 15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 12.75%  Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 105% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 147% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 183% Floor 15%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 174% Floor 10%  **FIA Plus 5 Premium Bonus 100,000+** - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 180% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 190% Floor 15%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 154% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 130% Floor 2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 13.75%  Floor 10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 16.75%  Floor 15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 10.75%  Floor 5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 9.25%  Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 192% Floor 15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 173% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 140% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 116% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 100% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 7.75%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 86% - Fixed Account:  Rate: 3.65% - Annual Declared Rate:  Rate: 3.85% **FIA Plus 7 25,000+** - Annual Declared Rate:  Rate: 4.3% - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 208% Floor -15%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 201% Floor -10%  - Fixed Account:  Rate: 4.1% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 104% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 129% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 154% Floor -5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 185% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 203% Floor -15%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.75%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 14%  Floor -5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 23%  Floor -15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 18%  Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 120% - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 148% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 173% Floor -5%  **FIA Plus 7 100,000+** - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 180% Floor -5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 155% Floor -2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 127% - S&P 500 Annual PTP Cap with -10% Floor:  Cap 19%  Floor -10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 24%  Floor -15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 15%  Floor -5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 12.75%  Floor -2.5%  - S&P 500 Annual PTP Cap with 0% Floor:  Cap 10.75%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 209% Floor -15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 191% Floor -10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 160% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 110% - Fixed Account:  Rate: 4.3% - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 207% Floor -10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 215% Floor -15%  - Annual Declared Rate:  Rate: 4.5% **FIA Plus 7 Premium Bonus 25,000+** - Annual Declared Rate:  Rate: 3.55% - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 8%  Floor 2.5%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 9.5%  Floor 5%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 15.5%  Floor 15%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 12.5%  Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 110% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 141% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 168% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 176% Floor 15%  - Fixed Account:  Rate: 3.35% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 77% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 92% - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 103% Floor 2.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 130% Floor 5%  - 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 -15% Floor:  Part Rate 181% Floor 15%  **FIA Plus 7 Premium Bonus 100,000+** - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor 15%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 168% Floor 10%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 136% Floor 5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 110% Floor 2.5%  - HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 98% - S&P 500 Annual PTP Cap with 0% Floor:  Cap 7.5%  - Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 83% - Fixed Account:  Rate: 3.55% - 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 175% Floor 10%  - HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 148% Floor 5%  - HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 126% Floor 2.5%  - S&P 500 Annual PTP Cap with -10% Floor:  Cap 13.5%  Floor 10%  - S&P 500 Annual PTP Cap with -15% Floor:  Cap 16.5%  Floor 15%  - S&P 500 Annual PTP Cap with -5% Floor:  Cap 10.5%  Floor 5%  - S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 9%  Floor 2.5%  - Annual Declared Rate:  Rate: 3.75% **MYGA Plus 3 FIA 10,000+** - MYGA Fixed Option (Simple Interest):  Rate: 5.15% - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 6.9%  **MYGA Plus 3 FIA 100,000+** - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.4%  - MYGA Fixed Option (Simple Interest):  Rate: 5.4% **MYGA Plus 3 FIA CA 10,000+** - MYGA Fixed Option (Simple Interest):  Rate: 5.05% - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 6.8%  **MYGA Plus 3 FIA CA 100,000+** - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.3%  - MYGA Fixed Option (Simple Interest):  Rate: 5.3% **MYGA Plus 5 FIA 10,000+** - MYGA Fixed Option (Simple Interest):  Rate: 5.6% - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.4%  **MYGA Plus 5 FIA 100,000+** - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.9%  - MYGA Fixed Option (Simple Interest):  Rate: 5.9% **MYGA Plus 5 FIA CA 10,000+** - MYGA Fixed Option (Simple Interest):  Rate: 5.5% - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.3%  **MYGA Plus 5 FIA CA 100,000+** - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.8%  - MYGA Fixed Option (Simple Interest):  Rate: 5.8% **MYGA Plus 7 FIA 10,000+** - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.4%  - MYGA Fixed Option (Simple Interest):  Rate: 5.9% **MYGA Plus 7 FIA 100,000+** - MYGA Fixed Option (Simple Interest):  Rate: 6.2% - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.9%  **MYGA Plus 7 FIA CA 10,000+** - MYGA Fixed Option (Simple Interest):  Rate: 5.8% - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.3%  **MYGA Plus 7 FIA CA 100,000+** - 1 Year S&P 500 Point to Point Performance Trigger (Simple Interest):  Cap 7.8%  - MYGA Fixed Option (Simple Interest):  Rate: 6.1% #### MYGA - **MYGA Plus 3 (Simple Interest) **10,000+  5.15% - **MYGA Plus 3 (Simple Interest) **100,000+  5.40% - **MYGA Plus 3 (Simple Interest) CA **10,000+  5.05% - **MYGA Plus 3 (Simple Interest) CA **100,000+  5.30% - **MYGA Plus 5 (Simple Interest) **10,000+  5.60% - **MYGA Plus 5 (Simple Interest) **100,000+  5.90% - **MYGA Plus 5 (Simple Interest) CA **10,000+  5.50% - **MYGA Plus 5 (Simple Interest) CA **100,000+  5.80% - **MYGA Plus 7 (Simple Interest) **10,000+  5.90% - **MYGA Plus 7 (Simple Interest) **100,000+  6.20% - **MYGA Plus 7 (Simple Interest) CA **10,000+  5.80% - **MYGA Plus 7 (Simple Interest) CA **100,000+  6.10% #### August 13, 2024 ## Protective Life - **Secure Saver 5 **10,000+  3.75% - **Secure Saver 5 **25,000+  4.50% - **Secure Saver 5 **75,000+  4.85% - **Secure Saver 7 **10,000+  3.75% - **Secure Saver 7 **25,000+  4.50% - **Secure Saver 7 **75,000+  4.85% [View full post](https://blog.iamsinc.com/on-the-move-august-6-2024) ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Webmaster" }, "dateModified" : "2025-04-15T17:42:08.533Z", "datePublished" : "2024-08-06T08:30:48Z", "headline" : "On The Move – August 6, 2024", "image" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "mainEntityOfPage" : "https://blog.iamsinc.com/on-the-move-august-6-2024", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "name" : "IAMS Blog" } } ```