--- title: On The Move - December 3, 2024 - 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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[Senior Health Care](https://www.iamsinc.com/senior-health-care/) - [Forms Search](https://www.iamsinc.com/forms-search/) - [e-App Solutions](https://www.iamsinc.com/e-app-solutions/) - [Firelight Registration](https://www.iamsinc.com/firelight-registration/) - [Firelight](https://www.iamsinc.com/e-app-solutions/) - [iGo e-App Solution](https://www.iamsinc.com/e-app-solutions/) - [Connect4Medicare](https://www.iamsinc.com/e-app-solutions/) - [Training](https://www.iamsinc.com/training/) - [Producer Academy](https://www.iamsinc.com/life-annuity-academy/) - [Product Training Confirmation](https://www.iamsinc.com/product-training-confirmation/) - [Monthly Webinars](https://www.iamsinc.com/webinars/) - [Support](https://www.iamsinc.com/iamsupport/) - [Production Builders](https://www.iamsinc.com/incentives/) - [Creative Solutions](https://www.iamsinc.com/creative-solutions/) - [Sales Resources Library](https://www.iamsinc.com/sales-resources-library/) - [E&O Insurance](https://www.iamsinc.com/eo-insurance/) - [AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – December 3, 2024 #### December 5, 2024 – Effective Date of Change ## Ameritas (Legacy) #### Fixed Indexed Annuity **ApexAdvantage 25,000+** - **1-Year S&P 500 Point to Point with Par:  Part Rate 50%** - **1-Year S&P MARC 5% Point to Point with Par:  Part Rate 150%** - **2-Year S&P MARC 5% Point to Point with Par:  Part Rate 205%** - **1 Year Fixed Account:  Rate: 4%** - **1-Year BNPP US Governance Multi Asset Index Point-to-Point With Par:  Part Rate 165%** - **2-Year BNPP US Governance Multi Asset Index Point-to-Point With Par:  Part Rate 230%** **FlexMark Select 25,000+** - **1-Year Fixed Account:  Rate: 3.65%** - **S&P 500 1-Year PTP Cap :  Cap 7.1% ** - **Russell 2000 1-Year PTP Cap:  Cap 8.1% ** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 106%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 210%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 62%** - **S&P 500 1-Year PTP Cap :  Cap 9.4% ** - **Russell 2000 1-Year PTP Cap :  Cap 10.45% ** - **BNPP Momentum 5 1-Year PTP Par Rate :  Part Rate 205%** - **BNPP Momentum 5 2-Year PTP Par Rate :  Part Rate 255%** - **S&P 500 2-Year PTP Par Rate :  Part Rate 77%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 150%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 190%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 255%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 205%** **FlexMark Select 200,000+** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 210%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 265%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 195%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 160%** - **S&P 500 2-Year PTP Par Rate :  Part Rate 79%** - **BNPP Momentum 5 2-Year PTP Par Rate :  Part Rate 270%** - **BNPP Momentum 5 1-Year PTP Par Rate :  Part Rate 210%** - **Russell 2000 1-Year PTP Cap :  Cap 10.7% ** - **S&P 500 1-Year PTP Cap :  Cap 9.75% ** - **S&P 500 2-Year PTP Par Rate:  Part Rate 64%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 215%** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 170%** - **Russell 2000 1-Year PTP Cap:  Cap 8.25% ** - **S&P 500 1-Year PTP Cap :  Cap 7.45% ** - **1-Year Fixed Account:  Rate: 3.8%** **FlexMark Select LT 25,000+** - **S&P 500 1-Year PTP Cap :  Cap 7.1% ** - **Russell 2000 1-Year PTP Cap:  Cap 8.1% ** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 160%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 210%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 62%** - **S&P 500 1-Year PTP Cap :  Cap 9.4% ** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 150%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 190%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 205%** - **US Innovative Leaders 5 2-Year PTP Par Rate:  Part Rate 255%** - **Russell 2000 1-Year PTP Cap :  Cap 10.45% ** - **BNPP Momentum 5 1-Year PTP Par Rate :  Part Rate 205%** - **BNPP Momentum 5 2-Year PTP Par Rate :  Part Rate 255%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 77%** - **1-Year Fixed Account:  Rate: 3.65%** **FlexMark Select LT 200,000+** - **1-Year Fixed Account:  Rate: 3.8%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 79%** - **BNPP Momentum 5 2-Year PTP Par Rate :  Part Rate 270%** - **BNPP Momentum 5 1-Year PTP Par Rate :  Part Rate 210%** - **Russell 2000 1-Year PTP Cap :  Cap 10.7% ** - **US Innovative Leaders 5 2-Year PTP Par Rate:  Part Rate 265%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 210%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 195%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 160%** - **S&P 500 1-Year PTP Cap :  Cap 9.75% ** - **S&P 500 2-Year PTP Par Rate:  Part Rate 64%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 215%** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 170%** - **Russell 2000 1-Year PTP Cap:  Cap 8.25% ** - **S&P 500 1-Year PTP Cap :  Cap 7.45% ** **FlexMark Select LT Plus 25,000+** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 140%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 180%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 190%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 240%** - **S&P 500 1-Year PTP Cap :  Cap 6.65% ** - **Russell 2000 1-Year PTP Cap:  Cap 7.65% ** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 150%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 195%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 59%** - **S&P 500 1-Year PTP Cap :  Cap 8.9% ** - **Russell 2000 1-Year PTP Cap :  Cap 9.85% ** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 195%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 240%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 74%** - **1-Year Fixed Account:  Rate: 3.4%** **FlexMark Select LT Plus 200,000+** - **1-Year Fixed Account:  Rate: 3.55%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 76%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 255%** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 200%** - **Russell 2000 1-Year PTP Cap :  Cap 10.1% ** - **S&P 500 1-Year PTP Cap :  Cap 9.52% ** - **S&P 500 2-Year PTP Par Rate:  Part Rate 61%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 200%** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 160%** - **Russell 2000 1-Year PTP Cap:  Cap 7.8% ** - **S&P 500 1-Year PTP Cap :  Cap 6.95% ** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 250%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 195%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 185%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 150%** **FlexMark Select Plus 25,000+** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 140%** - **US Innovative Leaders 5 1-Year PTP Par Rate :  Part Rate 180%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 190%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 240%** - **S&P 500 2-Year PTP Par Rate :  Part Rate 74%** - **1-Year Fixed Account:  Rate: 3.4%** - **Russell 2000 1-Year PTP Cap:  Cap 7.65% ** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 150%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 195%** - **S&P 500 2-Year PTP Par Rate:  Part Rate 59%** - **S&P 500 1-Year PTP Cap :  Cap 8.9% ** - **Russell 2000 1-Year PTP Cap :  Cap 9.85% ** - **BNPP Momentum 5 1-Year PTP Par Rate :  Part Rate 195%** - **BNPP Momentum 5 2-Year PTP Par Rate :  Part Rate 240%** - **S&P 500 1-Year PTP Cap :  Cap 6.65% ** **FlexMark Select Plus 200,000+** - **S&P 500 1-Year PTP Cap :  Cap 6.95% ** - **BNPP Momentum 5 2-Year PTP Par Rate :  Part Rate 255%** - **BNPP Momentum 5 1-Year PTP Par Rate :  Part Rate 200%** - **Russell 2000 1-Year PTP Cap :  Cap 10.1% ** - **S&P 500 1-Year PTP Cap :  Cap 9.52% ** - **S&P 500 2-Year PTP Par Rate:  Part Rate 61%** - **BNPP Momentum 5 2-Year PTP Par Rate:  Part Rate 200%** - **BNPP Momentum 5 1-Year PTP Par Rate:  Part Rate 160%** - **Russell 2000 1-Year PTP Cap:  Cap 7.8% ** - **1-Year Fixed Account:  Rate: 3.55%** - **S&P 500 2-Year PTP Par Rate :  Part Rate 76%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 250%** - **US Innovative Leaders 5 2-Year PTP Par Rate :  Part Rate 195%** - **US Innovative Leaders 5 1-Year PTP Par Rate :  Part Rate 185%** - **US Innovative Leaders 5 1-Year PTP Par Rate:  Part Rate 150%** ## Sagicor Life Insurance Company #### MYGA - **Milestone Max MYGA 3 **25,000+**  4.95%** - **Milestone Max MYGA 3 **75,000+**  5.20%** - **Milestone Max MYGA 4 **25,000+**  4.95%** - **Milestone Max MYGA 4 **75,000+**  5.20%** - **Milestone Max MYGA 5 **25,000+**  5.25%** - **Milestone Max MYGA 5 **75,000+**  5.50%** - **Milestone Max MYGA 6 **25,000+**  5.25%** - **Milestone Max MYGA 6 **75,000+**  5.45%** - **Milestone Max MYGA 7 **25,000+**  5.30%** - **Milestone Max MYGA 7 **75,000+**  5.45%** - **Milestone MYGA 3 CA **15,000+**  4.15%** - **Milestone MYGA 3 CA **50,000+**  4.90%** - **Milestone MYGA 3 CA **100,000+**  5.15%** - **Milestone MYGA 4 CA **15,000+**  4.35%** - **Milestone MYGA 4 CA **50,000+**  4.90%** - **Milestone MYGA 4 CA **100,000+**  5.15%** - **Milestone MYGA 5 CA **15,000+**  4.75%** - **Milestone MYGA 5 CA **50,000+**  5.20%** - **Milestone MYGA 5 CA **100,000+**  5.45%** - **Milestone MYGA 6 CA **15,000+**  4.85%** - **Milestone MYGA 6 CA **50,000+**  5.20%** - **Milestone MYGA 6 CA **100,000+**  5.40%** - **Milestone MYGA 7 CA **15,000+**  4.90%** - **Milestone MYGA 7 CA **50,000+**  5.25%** - **Milestone MYGA 7 CA **100,000+**  5.40%** #### December 9, 2024 – Effective Date of Change ## Royal Neighbors of America #### Fixed Annuity - **Steady Choice II **1,200+**  2.35%** #### MYGA - **MYGA 10 Year **10,000+**  5.00%** - **MYGA 10 Year **100,000+**  5.10%** - **MYGA 3 Year **10,000+**  4.60%** - **MYGA 3 Year **100,000+**  4.70%** - **MYGA 3 Year CA **10,000+**  4.50%** - **MYGA 3 Year CA **100,000+**  4.60%** - **MYGA 5 Year **10,000+**  4.95%** - **MYGA 5 Year **100,000+**  5.05%** - **MYGA 5 Year CA **10,000+**  4.85%** - **MYGA 5 Year CA **100,000+**  4.95%** - **MYGA 9 Year CA **10,000+**  4.90%** - **MYGA 9 Year CA **100,000+**  5.00%** #### Author:Webmaster [Next Think Small, Go Big: Small Business Saturday Marketing Tips](https://blog.iamsinc.com/think-small-go-big-small-business-saturday-marketing-tips-2) [Previous Social Media Trends for 2025](https://blog.iamsinc.com/social-media-trends-for-2025) ### 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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