--- title: On The Move - January 9, 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/) - [Life](https://www.iamsinc.com/life/) - [Single Premium Life](https://www.iamsinc.com/single-premium-life/) - [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/) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_100x20.png?width=96&height=20&name=IAMS-Logo_100x20.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/) - [Life](https://www.iamsinc.com/life/) - [Single Premium Life](https://www.iamsinc.com/single-premium-life/) - [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 – January 9, 2024 #### January 10, 2024 – Effective Date of Change ## American Equity Investment Life Insurance Company #### MYGA - **GuaranteeShield 3 **10,000+  4.90% - **GuaranteeShield 3 **100,000+  5.15% - **GuaranteeShield 3 **250,000+  5.25% - **GuaranteeShield 5 **10,000+  5.15% - **GuaranteeShield 5 **100,000+  5.40% - **GuaranteeShield 5 **250,000+  5.45% ## SILAC #### Fixed Indexed Annuity - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 90% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 11.250%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 70% - 1 Year S&P 500 Monthly Cap:  Cap 3.500%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 125% - 1 Year Fixed Account:  Rate: 4.75% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 245% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -5.50%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 260% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -5.75%  - NASDAQ Generations 5 w/Participation:  Part Rate 250% - NASDAQ Generations 5 w/Spread:  Spread -5.50%  **Denali 10 (AK, MN, MT, OH, OR, PA, UT, WA) 10,000+** - 1 Year Fixed Account:  Rate: 4.00% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 180% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.50%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 192% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.75%  - NASDAQ Generations 5 w/Participation:  Part Rate 185% - NASDAQ Generations 5 w/Spread:  Spread -3.50%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 95% - 1 Year S&P 500 Monthly Cap:  Cap 2.500%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 67% **Denali 10 (CO, DE, ID, IN, MA, MD, MO, NV, SC, TX) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 80% - NASDAQ Generations 5 w/Participation:  Part Rate 220% - NASDAQ Generations 5 w/Spread:  Spread -4.50%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 227% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.75%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 9.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 65% - 1 Year S&P 500 Monthly Cap:  Cap 3.000%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 112% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 215% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.50%  - 1 Year Fixed Account:  Rate: 4.50% **Denali 14 10,000+** - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 11.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 72% - 1 Year S&P 500 Monthly Cap:  Cap 3.650%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 130% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 247% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -5.50%  - 1 Year Fixed Account:  Rate: 5.00% - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 262% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -5.75%  - NASDAQ Generations 5 w/Participation:  Part Rate 252% - NASDAQ Generations 5 w/Spread:  Spread -5.50%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 90% **Denali 14 (CO) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 90% - 1 Year Fixed Account:  Rate: 4.75% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 11.250%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 70% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 242% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -5.50%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 260% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -5.75%  - NASDAQ Generations 5 w/Participation:  Part Rate 247% - NASDAQ Generations 5 w/Spread:  Spread -5.50%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 125% - 1 Year S&P 500 Monthly Cap:  Cap 3.500%  **Denali 14 (IN) 10,000+** - 1 Year Fixed Account:  Rate: 4.00% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.750%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 60% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 205% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.25%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 217% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.50%  - NASDAQ Generations 5 w/Participation:  Part Rate 210% - NASDAQ Generations 5 w/Spread:  Spread -4.25%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 75% - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 105% - 1 Year S&P 500 Monthly Cap:  Cap 2.750%  **Denali 7 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 80% - NASDAQ Generations 5 w/Participation:  Part Rate 217% - NASDAQ Generations 5 w/Spread:  Spread -4.50%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 225% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.75%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 9.250%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 62% - 1 Year S&P 500 Monthly Cap:  Cap 3.000%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 110% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 212% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.50%  - 1 Year Fixed Account:  Rate: 4.75% **Denali 7 (AK, MN, MT, OH, OR, PA, UT, WA) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 62% - 1 Year Fixed Account:  Rate: 3.75% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.000%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 167% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.00%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 180% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.25%  - NASDAQ Generations 5 w/Participation:  Part Rate 172% - NASDAQ Generations 5 w/Spread:  Spread -3.00%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 90% - 1 Year S&P 500 Monthly Cap:  Cap 2.250%  **Denali 7 (CO, DE, ID, IN, MA, MD, MO, NV, SC, TX) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.000%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 57% - 1 Year S&P 500 Monthly Cap:  Cap 2.650%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 100% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 192% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.75%  - 1 Year Fixed Account:  Rate: 4.25% - 1 Year Credit Suisse RavenPack w/Partricipation:  Part Rate 205% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 197% - NASDAQ Generations 5 w/Spread:  Spread -3.75%  **Denali Bonus 10 10,000+** - NASDAQ Generations 5 w/Participation:  Part Rate 202% - NASDAQ Generations 5 w/Spread:  Spread -4.00%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 210% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.25%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 57% - 1 Year S&P 500 Monthly Cap:  Cap 2.750%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 100% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 197% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.00%  - 1 Year Fixed Account:  Rate: 4.25% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 75% **Denali Bonus 10 (AK, CT, MN, MT, OH, OR, PA, UT, WA) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 50% - 1 Year Fixed Account:  Rate: 2.75% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 5.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 40% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 135% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -1.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 145% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 140% - NASDAQ Generations 5 w/Spread:  Spread -1.75%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 75% - 1 Year S&P 500 Monthly Cap:  Cap 1.750%  **Denali Bonus 10 (CO, DE, ID, IN, MA, MO, MD, NV, SC, TX) 10,000+** - NASDAQ Generations 5 w/Participation:  Part Rate 170% - NASDAQ Generations 5 w/Spread:  Spread -2.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 175% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.00%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 6.750%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 47% - 1 Year S&P 500 Monthly Cap:  Cap 2.250%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 85% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 165% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.75%  - 1 Year Fixed Account:  Rate: 3.50% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 60% **Denali Bonus 14 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 75% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 57% - 1 Year S&P 500 Monthly Cap:  Cap 2.750%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 105% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 197% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.00%  - 1 Year Fixed Account:  Rate: 4.25% - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 210% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.25%  - NASDAQ Generations 5 w/Participation:  Part Rate 202% - NASDAQ Generations 5 w/Spread:  Spread -4.00%  **Denali Bonus 14 (CO) 10,000+** - 1 Year Fixed Account:  Rate: 4.00% - 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 57% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 195% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 205% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 200% - NASDAQ Generations 5 w/Spread:  Spread -3.75%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 100% - 1 Year S&P 500 Monthly Cap:  Cap 2.650%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 72% **Denali Bonus 14 (IN) 10,000+** - 1 Year Fixed Account:  Rate: 3.50% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.000%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 165% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 175% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 170% - NASDAQ Generations 5 w/Spread:  Spread -2.75%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 60% - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 90% - 1 Year S&P 500 Monthly Cap:  Cap 2.250%  **Denali Bonus 7 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 65% - NASDAQ Generations 5 w/Participation:  Part Rate 180% - NASDAQ Generations 5 w/Spread:  Spread -3.25%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 185% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.50%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.250%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50% - 1 Year S&P 500 Monthly Cap:  Cap 2.500%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 90% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 175% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.25%  - 1 Year Fixed Account:  Rate: 3.50% **Denali Bonus 7 (AK, CT, MN, MT, OH, OR, PA, UT, WA) 10,000+** - 1 Year Fixed Account:  Rate: 2.75% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 5.500%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 40% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 135% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -1.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 145% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 140% - NASDAQ Generations 5 w/Spread:  Spread -1.75%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 75% - 1 Year S&P 500 Monthly Cap:  Cap 1.750%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 50% **Denali Bonus 7 (CO, DE, ID, IN, MA, MD, MO, NV, SC, TX) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 65% - NASDAQ Generations 5 w/Participation:  Part Rate 175% - NASDAQ Generations 5 w/Spread:  Spread -3.00%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 180% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.25%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.250%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50% - 1 Year S&P 500 Monthly Cap:  Cap 2.350%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 90% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 170% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.00%  - 1 Year Fixed Account:  Rate: 3.25% **Teton 10 10,000+** - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.00%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.250%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 57% - 1 Year S&P 500 Monthly Cap :  Cap 2.750%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 100% - 1 Year Fixed Account:  Rate: 4.50% - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 195% - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 207% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.25%  - NASDAQ Generations 5 w/Participation:  Part Rate 200% - NASDAQ Generations 5 w/Spread:  Spread -4.00%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 75% **Teton 10 State Variation 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% - NASDAQ Generations 5 w/Participation:  Part Rate 190% - NASDAQ Generations 5 w/Spread:  Spread -3.50%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 195% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.75%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.50%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate :  Part Rate 185% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 7.750%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 55% - 1 Year S&P 500 Monthly Cap :  Cap 2.500%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 95% - 1 Year Fixed Account:  Rate: 4.25% **Teton 14 10,000+** - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 197% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.500%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 57% - 1 Year S&P 500 Monthly Cap :  Cap 2.750%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 105% - 1 Year Fixed Account:  Rate: 4.75% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.00%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 210% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.25%  - NASDAQ Generations 5 w/Participation:  Part Rate 202% - NASDAQ Generations 5 w/Spread:  Spread -4.00%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 75% **Teton 14 (CO) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 75% - 1 Year Fixed Account:  Rate: 4.50% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.250%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 57% - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 195% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 205% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 200% - NASDAQ Generations 5 w/Spread:  Spread -3.75%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 100% - 1 Year S&P 500 Monthly Cap :  Cap 2.750%  **Teton 7 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% - 1 Year Barclays Atlas 5 Annual Point to Point Spread :  Spread -3.75%  - NASDAQ Generations 5 w/Participation:  Part Rate 192% - NASDAQ Generations 5 w/Spread:  Spread -3.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 200% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -4.00%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 187% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.000%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 55% - 1 Year S&P 500 Monthly Cap :  Cap 2.650%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 97% - 1 Year Fixed Account:  Rate: 4.25% **Teton 7 State Variation 10,000+** - 1 Year Fixed Account:  Rate: 4.00% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 7.750%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 52% - 1 Year S&P 500 Monthly Cap :  Cap 2.500%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 95% - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 182% - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 195% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.75%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.50%  - NASDAQ Generations 5 w/Participation:  Part Rate 187% - NASDAQ Generations 5 w/Spread:  Spread -3.50%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% **Teton Bonus 10 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 57% - NASDAQ Generations 5 w/Participation:  Part Rate 157% - NASDAQ Generations 5 w/Spread:  Spread -2.50%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.25%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 162% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.75%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 152% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.350%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 45% - 1 Year S&P 500 Monthly Cap :  Cap 2.250%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 77% - 1 Year Fixed Acocunt:  Rate: 3.00% **Teton Bonus 10 State Variation 10,000+** - 1 Year Barclays Atlas 5 Annual Point to Point PR :  Part Rate 147% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.000%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 45% - 1 Year S&P 500 Monthly Cap :  Cap 2.000%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 75% - 1 Year Fixed Account:  Rate: 2.75% - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 157% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.50%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 152% - NASDAQ Generations 5 w/Spread:  Spread -2.25%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 55% **Teton Bonus 14 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 60% - NASDAQ Generations 5 w/Participation:  Part Rate 167% - NASDAQ Generations 5 w/Spread:  Spread -2.75%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 172% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -3.00%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.750%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 47% - 1 Year S&P 500 Monthly Cap :  Cap 2.250%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 80% - 1 Year Fixed Account:  Rate: 3.25% - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 162% **Teton Bonus 14 (CO) 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 60% - 1 Year Fixed Account:  Rate: 3.00% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.500%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 45% - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 157% - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 167% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.75%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.50%  - NASDAQ Generations 5 w/Participation:  Part Rate 162% - NASDAQ Generations 5 w/Spread:  Spread -2.50%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 77% - 1 Year S&P 500 Monthly Cap :  Cap 2.250%  **Teton Bonus 7 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 55% - 1 Year Barclays Atlas 5 Annual Point to Point PR:  Part Rate 145% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.000%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 42% - 1 Year S&P 500 Monthly Cap :  Cap 2.000%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 75% - 1 Year Fixed Account:  Rate: 2.75% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.00%  - NASDAQ Generations 5 w/Participation:  Part Rate 150% - NASDAQ Generations 5 w/Spread:  Spread -2.00%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 155% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.25%  **Teton Bonus 7 State Variation 10,000+** - NASDAQ Generations 5 w/Participation:  Part Rate 145% - NASDAQ Generations 5 w/Spread:  Spread -2.00%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -1.75%  - 1 Year Credit Suisse RavenPack w/Participation:  Part Rate 150% - 1 Year Credit Suisse RavenPack w/Spread:  Spread -2.25%  - 1 Year Barclays Atlas 5 Annual Point to Point PR:  Part Rate 142% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 5.750%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 40% - 1 Year S&P 500 Monthly Cap :  Cap 2.000%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 70% - 1 Year Fixed Account:  Rate: 2.50% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 55% #### January 11, 2024 – Effective Date of Change ## Sagicor Life Insurance Company #### MYGA - **Milestone MYGA 3 **15,000+  4.25% - **Milestone MYGA 3 **50,000+  5.00% - **Milestone MYGA 3 **100,000+  5.25% - **Milestone MYGA 3 CA **15,000+  4.20% - **Milestone MYGA 3 CA **50,000+  4.95% - **Milestone MYGA 3 CA **100,000+  5.20% - **Milestone MYGA 3 FL **15,000+  4.25% - **Milestone MYGA 3 FL **50,000+  5.00% - **Milestone MYGA 3 FL **100,000+  5.25% - **Milestone MYGA 4 **15,000+  4.45% - **Milestone MYGA 4 **50,000+  5.00% - **Milestone MYGA 4 **100,000+  5.25% - **Milestone MYGA 4 CA **15,000+  4.40% - **Milestone MYGA 4 CA **50,000+  4.95% - **Milestone MYGA 4 CA **100,000+  5.20% - **Milestone MYGA 4 FL **15,000+  4.45% - **Milestone MYGA 4 FL **50,000+  5.00% - **Milestone MYGA 4 FL **100,000+  5.25% - **Milestone MYGA 5 **15,000+  4.60% - **Milestone MYGA 5 **50,000+  5.05% - **Milestone MYGA 5 **100,000+  5.30% - **Milestone MYGA 5 CA **15,000+  4.55% - **Milestone MYGA 5 CA **50,000+  5.00% - **Milestone MYGA 5 CA **100,000+  5.25% - **Milestone MYGA 5 FL **15,000+  4.60% - **Milestone MYGA 5 FL **50,000+  5.05% - **Milestone MYGA 5 FL **100,000+  5.30% - **Milestone MYGA 6 **15,000+  4.70% - **Milestone MYGA 6 **50,000+  5.05% - **Milestone MYGA 6 **100,000+  5.25% - **Milestone MYGA 6 CA **15,000+  4.65% - **Milestone MYGA 6 CA **50,000+  5.00% - **Milestone MYGA 6 CA **100,000+  5.20% - **Milestone MYGA 6 FL **15,000+  4.70% - **Milestone MYGA 6 FL **50,000+  5.05% - **Milestone MYGA 6 FL **100,000+  5.25% - **Milestone MYGA 7 **15,000+  4.75% - **Milestone MYGA 7 **50,000+  5.10% - **Milestone MYGA 7 **100,000+  5.25% - **Milestone MYGA 7 CA **15,000+  4.70% - **Milestone MYGA 7 CA **50,000+  5.05% - **Milestone MYGA 7 CA **100,000+  5.20% - **Milestone MYGA 7 FL **15,000+  4.75% - **Milestone MYGA 7 FL **50,000+  5.10% - **Milestone MYGA 7 FL **100,000+  5.25% #### January 16, 2024 – Effective Date of Change **OrionShield 10 15,000+** - 1-Year Russell 2000 Monthly Averaging Cap:  Cap 9.000%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 1-Year Fixed Account:  Rate: 4.10% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 160% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.000%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 13.250%  Part Rate 50% **OrionShield 10 150,000+** - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 15.500%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 11.000%  - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 180% - 1-Year Fixed Account:  Rate: 4.85% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120% - 1-Year Russell 2000 Monthly Averaging Cap:  Cap 10.500%  **OrionShield 10 Premium Bonus 15,000+** - 1-Year Fixed Account:  Rate: 3.00% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.250%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 5.750%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 140% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 4.750%  **OrionShield 10 Premium Bonus 150,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6.000%  - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 160% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.750%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.500%  Part Rate 50% - 1-Year Fixed Account:  Rate: 3.00% **OrionShield 5 15,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.000%  - 1-Year S&P 500 Annual Point to Point Cap :  Cap 9.750%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% - 1-Year Fixed Account:  Rate: 3.85% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.750%  Part Rate 50% **OrionShield 5 150,000+** - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 14.000%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.60% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 10.750%  - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 9.250%  **OrionShield 7 15,000+** - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 130% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.750%  - 1-Year Fixed Account:  Rate: 4.00% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.250%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.750%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% **OrionShield 7 150,000+** - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.750%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 14.500%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.75% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 10.000%  - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 150% **OrionShield 7 Premium Bonus 15,000+** - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 130% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6.000%  - 1-Year Fixed Account:  Rate: 3.75% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.750%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.750%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% **OrionShield 7 Premium Bonus 150,000+** - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 7.750%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 14.000%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.50% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7.250%  - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 150% #### MYGA - **LunarGuard 3 **10,000+  4.90% - **LunarGuard 3 **100,000+  5.10% - **LunarGuard 5 **10,000+  4.95% - **LunarGuard 5 **100,000+  5.15% - **LunarGuard 7 **10,000+  4.90% - **LunarGuard 7 **100,000+  5.10% - **LunarLock 3 **10,000+  4.90% - **LunarLock 3 **100,000+  5.10% - **LunarLock 5 **10,000+  4.95% - **LunarLock 5 **100,000+  5.15% - **LunarLock 7 **10,000+  4.90% - **LunarLock 7 **100,000+  5.10% #### Author:Webmaster [Next Social Security Changes in 2024](https://blog.iamsinc.com/social-security-changes-in-2024) [Previous There Are No Shortcuts to the Top](https://blog.iamsinc.com/no-shortcuts-to-the-top) ### 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/). [Cookie Policy.](https://www.iamsinc.com/cookie-policy/) ![](https://www.facebook.com/tr?id=253820018493378&ev=PageView&noscript=1)