--- title: On The Move - July 5, 2022 - Insurance Agency Marketing Services description: Rates changing! The latest product updates from our carrier partners --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – July 5, 2022 ### ****July 1, 2022** – Effective Date of Change** ## Delaware Life ### Fixed Index Annuity: #### **Retirement Chapters 10 25,000+** - 1-Year S&P 500 Point to Point with Cap Rate:  Cap 6.00%  - 1-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 100% - 2-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 110% - 1-Year Fixed Account:  Rate 2.50% - 1-Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 30% - 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 125% #### **Retirement Stages 7 \*ROP for FEE\* 10,000+** - 1-Year S&P 500 Point to Point with Cap Rate:  Cap 8.00%  - 1-Year Fixed Account:  Rate 3.75% - 1-Year S&P 500 Performance Trigger:  Cap 7.50%  - 1-Year S&P 500 with Participation Rate:  Part Rate 35% - 1-Year Morgan Stanley Global Opportunities:  Part Rate 125% - 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 125% #### **Target Income 10 25,000+** - 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 90% - 1 Year S&P 500 with Cap:  Cap 4.00%  - Fixed:  Rate 1.50% - 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 90% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.50%  #### **Target Income 10 100,000+** - 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 100% - 1 Year S&P 500 with Cap:  Cap 4.50%  - Fixed:  Rate 1.65% - 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 100% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.25%  #### **Target Income 10 500,000+** - 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 110% - 1 Year S&P 500 with Cap:  Cap 5.00%  - Fixed:  Rate 1.80% - 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 110% - 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.10%  ### MYGA: - **Pinnacle MYGAsm 3 Year **10,000+  3.30% - **Pinnacle MYGAsm 3 Year (DE & FL) **10,000+  3.30% - **Pinnacle MYGAsm 5 Year **10,000+  3.70% - **Pinnacle MYGAsm 5 Year (DE & FL) **10,000+  3.70% - **Pinnacle MYGAsm 7 Year **10,000+  3.75% - **Pinnacle MYGAsm 7 Year (DE & FL) **10,000+  3.75% ### ****July 1, 2022** – Effective Date of Change** ## Guaranty Income Life ### Fixed Annuity: - **AnnuiCare 10 (LTC) **36,500+  3.30% - **AnnuiCare 5 (LTC) **36,500+  3.00% - **AnnuiCare 7 (LTC) **36,500+  3.15% - **FlexPlus 10 **5,000+  3.30% - **FlexPlus 5 **5,000+  3.00% - **FlexPlus 7 **5,000+  3.15% - **RateWise Annuity 3 Year Floating Account **10,000+  0.75% w/ 0.33% Bonus - **RateWise Annuity 3 Year Floating Account (Liquidty) **10,000+  0.65% w/ 0.33% Bonus - **RateWise Annuity 5 Year Floating Account **10,000+  1.25% w/ 0.33% Bonus - **RateWise Annuity 5 Year Floating Account (Liquidity) **10,000+  1.15% w/ 0.33% Bonus - **RateWise Annuity 7 Year Floating Account **10,000+  1.50% w/ 0.33% Bonus - **RateWise Annuity 7 Year Floating Account (Liquidity) **10,000+  1.40% w/ 0.33% Bonus ### Fixed Indexed Annuity: #### **WealthChoice 10 20,000+** - 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 8.50%  - 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 45% - 1-Year S&P 500 Monthly Sum:  Cap 1.25%  - Fixed Rate:  Rate 2.00% - 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 120% #### **WealthChoice 10 PREMIUM BONUS 20,000+** - Fixed Rate:  Rate 2.00% - 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 7.35%  - 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 35% - 1-Year S&P 500 Monthly Sum:  Cap 1.00%  - 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 80% #### **WealthChoice 5 20,000+** - 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 8.00%  - 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 40% - 1-Year S&P 500 Monthly Sum:  Cap 1.00%  - Fixed Rate:  Rate 2.00% - 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 115% #### **WealthChoice 7 20,000+** - 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 8.40%  - 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 43% - 1-Year S&P 500 Monthly Sum:  Cap 1.00%  - Fixed Rate:  Rate 2.00% - 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 120% ### ****July 1, 2022** – Effective Date of Change** ## Guggenheim Life and Annuity Company #### **Highlander 10,000+** - S&P 500 1-Year Point-To-Point With Cap:  Cap 5.50%  - S&P 500 1-Year Point-To-Point With Participation:  Part Rate 35% - 1 Year Fixed Rate Strategy:  Rate 3.00% - S&P 500 MARC 5% ER 1-Year Pt-to-Pt w/Participation :  Part Rate 135% #### **Highlander 7 10,000+** - 1 Year Fixed:  Rate 3.25% - S&P MARC 5% ER 1-Year Pt-to-Pt w/Participation:  Part Rate 160% - S&P 500 1-Year Pt-to-Pt w/Annual Cap:  Cap 7.00%  - S&P 500 1-Year Pt-to-Pt w/Participation:  Part Rate 35% #### **ViStar 10,000+** - S&P 500 w/ Cap:  Cap 7.25%  - S&P 500 w/ Participation:  Part Rate 35% - S&P 500 Sector Rotator Daily RC2 5% Index ER w/ Participation:  Part Rate 150% - S&P Economic Cycle Factor Rotator Index w/ Participation:  Part Rate 150% - S&P MARC 5% Excess Return Index w/ Participation:  Part Rate 160% - Fixed:  Rate 3.40% ### MYGA: - **Preserve MYGA 10 **10,000+  4.35% - **Preserve MYGA 10 **250,000+  4.45% - **Preserve MYGA 3 **10,000+  4.00% - **Preserve MYGA 3 **250,000+  4.10% - **Preserve MYGA 4 **10,000+  4.05% - **Preserve MYGA 4 **250,000+  4.15% - **Preserve MYGA 5 **10,000+  4.10% - **Preserve MYGA 5 **250,000+  4.20% - **Preserve MYGA 6 **10,000+  4.15% - **Preserve MYGA 6 **250,000+  4.25% - **Preserve MYGA 7 **10,000+  4.20% - **Preserve MYGA 7 **250,000+  4.30% - **Preserve MYGA 8 **10,000+  4.25% - **Preserve MYGA 8 **250,000+  4.35% - **Preserve MYGA 9 **10,000+  4.30% - **Preserve MYGA 9 **250,000+  4.40% - **ProOption MYGA 10 with ROP **10,000+ - **ProOption MYGA 5 with ROP **10,000+ - **ProOption MYGA 7 with ROP **10,000+ ### ****July 1, 2022** – Effective Date of Change** ## Lincoln Financial Group ### Fixed Indexed Annuity: **Lincoln OptiBlend 10 10,000+** - 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.50%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.500%  - 1-Year Fixed Account:  Rate 4.00% - 1-Year S&P 500 Participation:  Part Rate 35% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 175% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220% **Lincoln OptiBlend 10 100,000+** - 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.000%  - 1-Year Fixed Account:  Rate 4.25% - 1-Year S&P 500 Participation:  Part Rate 40% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 200% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 275% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 245% **Lincoln OptiBlend 5 10,000+** - 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.50%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.400%  - 1-Year Fixed Account:  Rate 3.90% - 1-Year S&P 500 Participation:  Part Rate 35% - 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 150% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 195% **Lincoln OptiBlend 5 100,000+** - 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.900%  - 1-Year Fixed Account:  Rate 4.15% - 1-Year S&P 500 Participation:  Part Rate 40% - 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 175% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 250% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220% **Lincoln OptiBlend 7 10,000+** - 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.50%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.45%  - 1-Year Fixed Account:  Rate 3.90% - 1-Year S&P 500 Participation:  Part Rate 35% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 150% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 195% **Lincoln OptiBlend 7 100,000+** - 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.95%  - 1-Year Fixed Account:  Rate 4.15% - 1-Year S&P 500 Participation:  Part Rate 40% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 175% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 250% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220% ### MYGA: - **Lincoln MYGuarantee Plus 10 **10,000+  3.75% - **Lincoln MYGuarantee Plus 10 **100,000+  4.00% - **Lincoln MYGuarantee Plus 5 **10,000+  3.60% - **Lincoln MYGuarantee Plus 5 **100,000+  3.90% - **Lincoln MYGuarantee Plus 7 **10,000+  3.65% - **Lincoln MYGuarantee Plus 7 **100,000+  3.95% ### July 1, 2022 – Effective Rate of Change ## Nationwide Life Insurance Company ### Fixed Indexed Annuity: #### **Nationwide Peak 10 25,000+** - AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 215% - J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 225% - S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 45% - S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 220% - Fixed:  Rate 2.75% - AB Growth & Value Balanced Index – Option B:  Part Rate 190% - J.P. Morgan Cycle Index – Option B:  Part Rate 200% - S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 190% - S&P 500 Price Index – Option B:  Part Rate 40% - AB Growth & Value Balanced Index – 1 Year:  Cap 9.00%  - J.P. Morgan Cycle Index – 1 Year:  Cap 9.00%  - S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 9.00%  - S&P 500 Price Index – 1 Year:  Cap 5.00%  - BNPP Global H-Factor Index – 1 Year:  Cap 9.00%  - BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 240% - BNPP Global H-Factor Index – Option B:  Part Rate 220% #### **Nationwide Peak 10 100,000+** - AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 230% - J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 245% - S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 50% - S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 235% - Fixed:  Rate 3.00% - AB Growth & Value Balanced Index – Option B:  Part Rate 205% - J.P. Morgan Cycle Index – Option B:  Part Rate 215% - S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 205% - S&P 500 Price Index – Option B:  Part Rate 45% - AB Growth & Value Balanced Index – 1 Year:  Cap 10.00%  - J.P. Morgan Cycle Index – 1 Year:  Cap 10.00%  - S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 10.00%  - S&P 500 Price Index – 1 Year:  Cap 5.50%  - BNPP Global H-Factor Index – 1 Year:  Cap 10.00%  - BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 250% - BNPP Global H-Factor Index – Option B:  Part Rate 240% #### **Nationwide Peak 10 Compact 25,000+** - AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 210% - J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 220% - S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 40% - S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 215% - AB Growth & Value Balanced Index – Option B:  Part Rate 185% - J.P. Morgan Cycle Index – Option B:  Part Rate 195% - S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 185% - S&P 500 Price Index – Option B:  Part Rate 35% - AB Growth & Value Balanced Index – 1 Year:  Cap 8.50%  - J.P. Morgan Cycle Index – 1 Year:  Cap 8.50%  - S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 8.50%  - S&P 500 Price Index – 1 Year:  Cap 4.75%  - Fixed:  Rate 2.65% - BNPP Global H-Factor Index – 1 Year:  Cap 8.50%  - BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 235% - BNPP Global H-Factor Index – Option B:  Part Rate 215% #### **Nationwide Peak 10 Compact 100,000+** - AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 225% - J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 235% - S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 45% - S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 230% - AB Growth & Value Balanced Index – Option B:  Part Rate 200% - J.P. Morgan Cycle Index – Option B:  Part Rate 210% - S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 200% - S&P 500 Price Index – Option B:  Part Rate 40% - AB Growth & Value Balanced Index – 1 Year:  Cap 9.50%  - J.P. Morgan Cycle Index – 1 Year:  Cap 9.50%  - S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 9.50%  - S&P 500 Price Index – 1 Year:  Cap 5.25%  - Fixed:  Rate 2.90% - BNPP Global H-Factor Index – 1 Year:  Cap 9.50%  - BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 245% - BNPP Global H-Factor Index – Option B:  Part Rate 235% July 1, 2022 – Effective Rate of Change ## The Standard #### **Enhanced Choice Index 10 15,000+** - Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Point to Point Enhanced Participation Rate with Charge:  Part Rate 52% - 1 Year S&P 500 Point to Point Participation Rate:  Part Rate 34% - 1 Year S&P 500 Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 190% - 1 Year S&P 500 Daily RC 5% ER Participation Rate:  Part Rate 135% - 1 Year S&P MARC 5% ER Enhanced Participation Rate with Charge:  Part Rate 190% - 1 Year S&P MARC 5% ER Participation Rate:  Part Rate 135% - 1 Year S&P 500 ESG Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 190% - 1 Year S&P 500 ESG Daily RC 5% ER Participation Rate:  Part Rate 135% #### **Enhanced Choice Index 5 15,000+** - 1 Year S&P 500 Point to Point Enhanced Participation Rate with Charge:  Part Rate 50% - 1 Year S&P 500 Point to Point Participation Rate:  Part Rate 32% - 1 Year S&P 500 Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 180% - 1 Year S&P 500 Daily RC 5% ER Participation Rate:  Part Rate 125% - 1 Year S&P MARC 5% ER Enhanced Participation Rate with Charge:  Part Rate 180% - 1 Year S&P MARC 5% ER Participation Rate:  Part Rate 125% - 1 Year S&P 500 ESG Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 180% - 1 Year S&P 500 ESG Daily RC 5% ER Participation Rate:  Part Rate 125% - Fixed Interest Account:  Rate 3.00% #### **Enhanced Choice Index 7 15,000+** - 1 Year S&P 500 Point to Point Enhanced Participation Rate with Charge:  Part Rate 51% - 1 Year S&P 500 Point to Point Participation Rate:  Part Rate 33% - 1 Year S&P 500 Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 185% - 1 Year S&P 500 Daily RC 5% ER Participation Rate:  Part Rate 130% - 1 Year S&P MARC 5% ER Enhanced Participation Rate with Charge:  Part Rate 185% - 1 Year S&P MARC 5% ER Participation Rate:  Part Rate 130% - 1 Year S&P 500 ESG Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 185% - 1 Year S&P 500 ESG Daily RC 5% ER Participation Rate:  Part Rate 130% - Fixed Interest Account:  Rate 3.00% #### **Index Select Annuity 10 15,000+** - 1 Year S&P 500 Annual Point-to-Point:  Cap 8.50%  - 1 Year Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 42% #### **Index Select Annuity 10 100,000+** - 1 Year S&P 500 Annual Point-to-Point:  Cap 8.75%  - 1 Year Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 44% #### **Index Select Annuity 5 15,000+** - 1 Year S&P 500 Annual Point-to-Point:  Cap 7.50%  - 1 Year Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 40% #### **Index Select Annuity 5 100,000+** - 1 Year S&P 500 Annual Point-to-Point:  Cap 7.75%  - 1 Year Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 42% #### **Index Select Annuity 7 15,000+** - 1 Year S&P 500 Annual Point-to-Point:  Cap 8.50%  - 1 Year Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 42% #### **Index Select Annuity 7 100,000+** - 1 Year S&P 500 Annual Point-to-Point:  Cap 8.75%  - 1 Year Fixed Interest Account:  Rate 3.00% - 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 44% ### MYGA: - **Focused Growth Annuity 10 **15,000+  4.00% - **Focused Growth Annuity 10 **100,000+  4.10% - **Focused Growth Annuity 3 **15,000+  3.55% - **Focused Growth Annuity 3 **100,000+  3.65% - **Focused Growth Annuity 5 **15,000+  3.95% - **Focused Growth Annuity 5 **100,000+  4.05% - **Focused Growth Annuity 7 **15,000+  4.15% - **Focused Growth Annuity 7 **100,000+  4.25% - **Multi-Choice 3 **15,000+  3.60% - **Multi-Choice 3 **100,000+  3.70% - **Multi-Choice 3 10% Withdrawal Provision **15,000+  3.50% - **Multi-Choice 3 10% Withdrawal Provision **100,000+  3.60% - **Multi-Choice 3 10% Withdrawal Provision ROP **15,000+  3.40% - **Multi-Choice 3 10% Withdrawal Provision ROP **100,000+  3.50% - **Multi-Choice 3 Interest Only Withdrawals **15,000+  3.55% - **Multi-Choice 3 Interest Only Withdrawals **100,000+  3.65% - **Multi-Choice 5 **15,000+  4.00% - **Multi-Choice 5 **100,000+  4.10% - **Multi-Choice 5 10% Withdrawal Provision **15,000+  3.90% - **Multi-Choice 5 10% Withdrawal Provision **100,000+  4.00% - **Multi-Choice 5 10% Withdrawal Provision ROP **15,000+  3.80% - **Multi-Choice 5 10% Withdrawal Provision ROP **100,000+  3.90% - **Multi-Choice 5 Interest Only Withdrawals **15,000+  3.95% - **Multi-Choice 5 Interest Only Withdrawals **100,000+  4.05% - **Multi-Choice 7 **15,000+  4.10% - **Multi-Choice 7 **100,000+  4.20% - **Multi-Choice 7 10% Withdrawal Provision **15,000+  4.00% - **Multi-Choice 7 10% Withdrawal Provision **100,000+  4.10% - **Multi-Choice 7 10% Withdrawal Provision ROP **15,000+  3.90% - **Multi-Choice 7 10% Withdrawal Provision ROP **100,000+  4.00% - **Multi-Choice 7 Interest Only Withdrawals **15,000+  4.05% - **Multi-Choice 7 Interest Only Withdrawals **100,000+  4.15% ### July 5, 2022 – Effective Rate of Change ## American General Life Insurance Company ### Fixed Indexed Annuity: #### **Power Select Builder 25,000+** - 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 7.75%  - 1-Year Fixed Interest Account:  Rate 3.25% - 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50%  - 2-Year PIMCO Global Optima Index with Spread:  Spread 2.50%  - 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 44% - 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 90% - 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60% - 1 Year Russell 2000 Annual Point to Point:  Part Rate 29% - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 165% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 180% #### **Power Select Builder 100,000+** - 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 8.75%  - 1-Year Fixed Interest Account:  Rate 3.25% - 2-Year MLStrategic Balanced Index with Spread:  - 2-Year PIMCO Global Optima Index with Spread:  - 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 50% - 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 115% - 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 75% - 1 Year Russell 2000 Annual Point to Point:  Part Rate 35% - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 190% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 200% #### **Power Select Builder 8 25,000+** - S&P 500 Annual Point-to-Point w/ Cap:  Cap 4.25%  - S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 19% - ML Strategic Balanced Index Point-to-Point w/ Spread:  Spread 2.50%  - ML Strategic Balanced Index 2-Year Point-to-Point w/ Participation:  Part Rate 100% - PIMCO Global Optima Index 2-Year Point-to-Point w/ Participation:  Part Rate 50% - Fixed:  Rate 2.75% - 1 Year Russell 2000 Annual Point to Point:  Cap 4.00%  - PIMCO Global Optima Index Annual Point-to-Point w/ Spread:  Spread 5.00%  - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 110% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 2.00%  Part Rate 150% #### **Power Select Builder 8 100,000+** - S&P 500 Annual Point-to-Point w/ Cap:  Cap 5.00%  - S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 22% - ML Strategic Balanced Index Point-to-Point w/ Spread:  Spread 1.50%  - ML Strategic Balanced Index 2-Year Point-to-Point w/ Participation:  Part Rate 110% - PIMCO Global Optima Index 2-Year Point-to-Point w/ Participation:  Part Rate 65% - Fixed:  Rate 2.75% - 1 Year Russell 2000 Annual Point to Point:  Cap 4.50%  - PIMCO Global Optima Index Annual Point-to-Point w/ Spread:  Spread 4.00%  - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 125% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 2.00%  Part Rate 180% #### **Power Select Plus Income 25,000+** - 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.75%  - 1-Year Fixed Interest Account:  Rate 2.50% - 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50%  - 2-Year PIMCO Global Optima Index with Spread:  Spread 5.90%  - 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 36% - 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 75% - 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 47% - 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 20% - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 120% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 140% #### **Power Select Plus Income 100,000+** - 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.50%  - 1-Year Fixed Interest Account:  Rate 2.50% - 2-Year MLStrategic Balanced Index with Spread :  - 2-Year PIMCO Global Optima Index with Spread:  Spread 4.00%  - 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 40% - 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 100% - 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60% - 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 25% - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 140% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 160% #### **Power Select Plus Income with Multiplier® 25,000+** - 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.25%  - 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50%  - 1-Year Fixed Interest Account:  Rate 2.15% - 2-Year PIMCO Global Optima Index with Spread:  Spread 5.90%  - 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 36% - 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 75% - 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 47% - 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 20% - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 110% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 130% #### **Power Select Plus Income with Multiplier® 100,000+** - 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.00%  - 2-Year MLStrategic Balanced Index with Spread :  - 1-Year Fixed Interest Account:  Rate 2.15% - 2-Year PIMCO Global Optima Index with Spread:  Spread 4.00%  - 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 40% - 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 100% - 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60% - 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 25% - 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 130% - 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 150% ### July 5, 2022 – Effective Rate of Change ## GBU Life ### Fixed Annuity: - **Preferred 5 **500+  4.00% - **Preferred 8 **10,000+  4.15% #### MYGA: - **Assetguard Select 2 **25,000+  3.00% - **Assetguard Select 2 **100,000+  3.10% - **Assetguard Select 3 **25,000+  3.35% - **Assetguard Select 3 **100,000+  3.60% - **Assetguard Select 4 **25,000+  3.55% - **Assetguard Select 4 **100,000+  3.75% - **Assetguard Select 5 **25,000+  4.00% - **Assetguard Select 5 **100,000+  4.20% #### Author:Webmaster [Next On The Move – June 29, 2022](https://blog.iamsinc.com/on-the-move-june-29-2022) [Previous Annuity Awareness Month](https://blog.iamsinc.com/annuity-awareness-month) ### 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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