--- title: On The Move - March 25, 2025 - 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 - March 25, 2025 - Insurance Agency Marketing Services](https://blog.iamsinc.com/on-the-move-mar-25-2025) Written by [Webmaster](https://blog.iamsinc.com/author/webmaster) | Mar 25, 2025 8:32:11 AM #### March 29, 2025 – Effective Date of Change ## National Life Group #### **Fixed Indexed Annuity** **Growth Driver 10 25,000+** - S&P 500® Index Performance Trigger:  Cap 5.75%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 7.25%  - S&P 500® Index 1-Year Point to Point Cap:  Cap 7%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 15%  - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.35%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 120% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 160% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 120% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 160% - 1-Year Declared Interest:  Rate: 2.45% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 9%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 19%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 1.85%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 165% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 225% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 165% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 225% **Growth Driver 7 25,000+** - 1-Year Declared Interest:  Rate: 2.4% - S&P 500® Index 1-Year Point to Point Cap:  Cap 6.5%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 14%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 115% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 155% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 115% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 155% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 8.5%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 18%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 160% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 220% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 160% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 220% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.25%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 1.75%  - S&P 500® Index Performance Trigger:  Cap 5.5%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 7%  **Income Driver 10 25,000+** - S&P 500® Index Performance Trigger:  Cap 6.5%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 8%  - 1-Year Declared Interest:  Rate: 2.4% - S&P 500® Index 1-Year Point to Point Cap:  Cap 8%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 17%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 140% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 200% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 140% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 200% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 10%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 21%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 190% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 265% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 190% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 265% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.5%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2%  **Income Driver 7 25,000+** - 1-Year Declared Interest:  Rate: 2.3% - S&P 500® Index 1-Year Point to Point Cap:  Cap 7.75%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 16.5%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 135% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 195% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 135% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 195% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 9.75%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 20.5%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 185% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 260% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 185% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 260% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.4%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 1.9%  - S&P 500® Index Performance Trigger:  Cap 6.25%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 7.75%  **Zenith Growth 10 25,000+** - S&P 500® Index Performance Trigger:  Cap 8%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9.5%  - 1-Year Declared Interest:  Rate: 3.3% - S&P 500® Index 1-Year Point to Point Cap:  Cap 10%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 23%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 165% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 230% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 165% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 230% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12.5%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 34%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 215% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 300% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 215% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 300% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.9%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.5%  **Zenith Growth 5 25,000+** - 1-Year Declared Interest:  Rate: 3.1% - S&P 500® Index 1-Year Point to Point Cap:  Cap 9.25%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 20%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 155% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 220% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 155% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 220% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 11.5%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 25%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 205% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 290% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 205% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 290% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.65%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.3%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9%  - S&P 500® Index Performance Trigger:  Cap 7.5%  **Zenith Growth 7 25,000+** - S&P 500® Index Performance Trigger:  Cap 7.75%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9.25%  - 1-Year Declared Interest:  Rate: 3.2% - S&P 500® Index 1-Year Point to Point Cap:  Cap 9.75%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 22%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 160% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 225% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 160% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 225% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 30%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 210% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 295% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 210% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 295% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.75%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.4%  **Zenith Income 10 – Max Bonus 25,000+** - 1-Year Declared Interest:  Rate: 3.3% - S&P 500® Index 1-Year Point to Point Cap:  Cap 10%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 23%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12.5%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 34%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.9%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.5%  - S&P 500® Index Performance Trigger:  Cap 8%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9.5%  **Zenith Income 10 – Split Bonus 25,000+** - S&P 500® Index Performance Trigger:  Cap 8%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9.5%  - 1-Year Declared Interest:  Rate: 3.3% - S&P 500® Index 1-Year Point to Point Cap:  Cap 10%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 23%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 200% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 275% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12.5%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 34%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 250% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 350% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.9%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.5%  **Zenith Income 7 – Max Bonus 25,000+** - 1-Year Declared Interest:  Rate: 3.2% - S&P 500® Index 1-Year Point to Point Cap:  Cap 9.75%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 22%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 30%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.75%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.4%  - S&P 500® Index Performance Trigger:  Cap 7.75%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9.25%  **Zenith Income 7 – Split Bonus 25,000+** - S&P 500® Index Performance Trigger:  Cap 7.75%  - S&P 500® Index Performance Trigger with RateBooster:  Cap 9.25%  - 1-Year Declared Interest:  Rate: 3.2% - S&P 500® Index 1-Year Point to Point Cap:  Cap 9.75%  - S&P 500® Index 2-Year Point to Point Cap:  Cap 22%  - Global Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195% - Global Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate:  Part Rate 195% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate:  Part Rate 270% - S&P 500® Index 1-Year Point to Point Cap RateBooster:  Cap 12%  - S&P 500® Index 2-Year Point to Point Cap RateBooster:  Cap 30%  - Global Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245% - Global Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345% - US Fundamental Balanced Index 1-Year Point to Point Participation Rate RateBooster:  Part Rate 245% - US Fundamental Balanced Index 2-Year Point to Point Participation Rate RateBooster:  Part Rate 345% - S&P 500® Index 1-Year Monthly Sum Cap:  Cap 1.75%  - S&P 500® Index 1-Year Monthly Sum Cap RateBooster:  Cap 2.4%  #### March 31, 2025 – Effective Date of Change ## The Standard - **Focused Growth Annuity 10 **15,000+  4.35% - **Focused Growth Annuity 10 **100,000+  4.65% - **Focused Growth Annuity 3 **15,000+  4.15% - **Focused Growth Annuity 3 **100,000+  4.45% - **Focused Growth Annuity 5 **15,000+  4.65% - **Focused Growth Annuity 5 **100,000+  4.95% - **Focused Growth Annuity 7 **15,000+  4.65% - **Focused Growth Annuity 7 **100,000+  4.95% - **Multi-Choice 3 **15,000+  4.20% - **Multi-Choice 3 **100,000+  4.50% - **Multi-Choice 3 (Blue Series) **15,000+  4.10% - **Multi-Choice 3 (Blue Series) **100,000+  4.40% - **Multi-Choice 3 10% Withdrawal Provision **15,000+  4.10% - **Multi-Choice 3 10% Withdrawal Provision **100,000+  4.40% - **Multi-Choice 3 10% Withdrawal Provision (Blue Series) **15,000+  4.00% - **Multi-Choice 3 10% Withdrawal Provision (Blue Series) **100,000+  4.30% - **Multi-Choice 3 10% Withdrawal Provision ROP **15,000+  4.00% - **Multi-Choice 3 10% Withdrawal Provision ROP **100,000+  4.30% - **Multi-Choice 3 10% Withdrawal Provision ROP (Blue Series) **15,000+  3.90% - **Multi-Choice 3 10% Withdrawal Provision ROP (Blue Series) **100,000+  4.20% - **Multi-Choice 3 Interest Only Withdrawals **15,000+  4.15% - **Multi-Choice 3 Interest Only Withdrawals **100,000+  4.45% - **Multi-Choice 3 Interest Only Withdrawals (Blue Series) **15,000+  4.05% - **Multi-Choice 3 Interest Only Withdrawals (Blue Series) **100,000+  4.35% - **Multi-Choice 5 **15,000+  4.70% - **Multi-Choice 5 **100,000+  5.00% - **Multi-Choice 5 (Blue Series) **15,000+  4.65% - **Multi-Choice 5 (Blue Series) **100,000+  4.95% - **Multi-Choice 5 10% Withdrawal Provision **15,000+  4.60% - **Multi-Choice 5 10% Withdrawal Provision **100,000+  4.90% - **Multi-Choice 5 10% Withdrawal Provision (Blue Series) **15,000+  4.55% - **Multi-Choice 5 10% Withdrawal Provision (Blue Series) **100,000+  4.85% - **Multi-Choice 5 10% Withdrawal Provision ROP **15,000+  4.50% - **Multi-Choice 5 10% Withdrawal Provision ROP **100,000+  4.80% - **Multi-Choice 5 10% Withdrawal Provision ROP (Blue Series) **15,000+  4.45% - **Multi-Choice 5 10% Withdrawal Provision ROP (Blue Series) **100,000+  4.75% - **Multi-Choice 5 Interest Only Withdrawals **15,000+  4.65% - **Multi-Choice 5 Interest Only Withdrawals **100,000+  4.95% - **Multi-Choice 5 Interest Only Withdrawals (Blue Series) **15,000+  4.60% - **Multi-Choice 5 Interest Only Withdrawals (Blue Series) **100,000+  4.90% - **Multi-Choice 7 **15,000+  4.60% - **Multi-Choice 7 **100,000+  4.90% - **Multi-Choice 7 (Blue Series) **15,000+  4.55% - **Multi-Choice 7 (Blue Series) **100,000+  4.85% - **Multi-Choice 7 10% Withdrawal Provision **15,000+  4.50% - **Multi-Choice 7 10% Withdrawal Provision **100,000+  4.80% - **Multi-Choice 7 10% Withdrawal Provision (Blue Series) **15,000+  4.45% - **Multi-Choice 7 10% Withdrawal Provision (Blue Series) **100,000+  4.75% - **Multi-Choice 7 10% Withdrawal Provision ROP **15,000+  4.40% - **Multi-Choice 7 10% Withdrawal Provision ROP **100,000+  4.70% - **Multi-Choice 7 10% Withdrawal Provision ROP (Blue Series) **15,000+  4.35% - **Multi-Choice 7 10% Withdrawal Provision ROP (Blue Series) **100,000+  4.65% - **Multi-Choice 7 Interest Only Withdrawals **15,000+  4.55% - **Multi-Choice 7 Interest Only Withdrawals **100,000+  4.85% - **Multi-Choice 7 Interest Only Withdrawals (Blue Series) **15,000+  4.50% - **Multi-Choice 7 Interest Only Withdrawals (Blue Series) **100,000+  4.80% [View full post](https://blog.iamsinc.com/on-the-move-mar-25-2025) ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Webmaster" }, "dateModified" : "2025-04-15T17:48:29.525Z", "datePublished" : "2025-03-25T08:32:11Z", "headline" : "On The Move – March 25, 2025", "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-mar-25-2025", "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" } } ```