--- title: On The Move - September 19, 2023 - 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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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – September 19, 2023 ### **September 20, 2023** – Effective Date of Change ## American Life #### Fixed Indexed Annuity **American Fusion MYGIA 10,000+** - 5 Year Guaranteed Rate:  Rate: 4.25% - 5 Year S&P 500 Index Performance Threshold:  Part Rate 25% #### MYGA - **American Classic 3 (No Liquidity) **1,000+  5.40% - **American Classic 3 Year **1,000+  5.40% - **American Classic 5 (No Liquidity) **1,000+  5.40% - **American Classic 5 Year **1,000+  5.40% - **American Fusion MYGIA **10,000+  4.25% ### **September 20, 2023** – Effective Date of Change #### Fixed Indexed Annuity **NAC VersaChoice 10 20,000+** - S&P 500 Monthly Point to Point Cap :  Cap 2.750%  - S&P 500 Annual Point to Point Cap :  Cap 7.750%  - Fixed Rate:  Rate: 4.00% - S&P 500 Annual Point to Point Participation Rate:  Part Rate 30% - S&P 500 MARC 5% Excess Return Annual Point to Point w/ PR:  Part Rate 140% - S&P 500 2-Year Point to Point with Participation Rate:  Part Rate 45% - S&P 500 MARC 5% Excess Return 2-Year Point to Point w/ PR:  Part Rate 200% - Fidelity Multifactor Yield 5% ER 2-Year Point to Point w/ PR:  Part Rate 210% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ PR:  Part Rate 150% - Fidelity Multifactor Yield 5% ER 2 year Point to Point w/ Enhanced PR :  Part Rate 265% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ Enhanced PR:  Part Rate 185% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate:  Part Rate 185% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate:  Part Rate 265% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate:  Part Rate 150% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate:  Part Rate 210% - 2 Year Goldman Sachs Equity TimeX Index with Participation Rate:  Part Rate 105% - 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate:  Part Rate 75% **NAC VersaChoice 10 75,000+** - 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate:  Part Rate 85% - 2 Year Goldman Sachs Equity TimeX Index with Participation Rate:  Part Rate 120% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate:  Part Rate 235% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate:  Part Rate 175% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate:  Part Rate 290% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate:  Part Rate 200% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ Enhanced PR:  Part Rate 200% - Fidelity Multifactor Yield 5% ER 2 year Point to Point w/ Enhanced PR :  Part Rate 290% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ PR:  Part Rate 175% - Fidelity Multifactor Yield 5% ER 2-Year Point to Point w/ PR:  Part Rate 235% - S&P 500 MARC 5% Excess Return 2-Year Point to Point w/ PR:  Part Rate 225% - S&P 500 2-Year Point to Point with Participation Rate:  Part Rate 50% - S&P 500 MARC 5% Excess Return Annual Point to Point w/ PR:  Part Rate 165% - S&P 500 Annual Point to Point Participation Rate:  Part Rate 35% - Fixed Rate:  Rate: 4.25% - S&P 500 Annual Point to Point Cap :  Cap 8.750%  - S&P 500 Monthly Point to Point Cap :  Cap 2.900%  **NAC VersaChoice 10 (ELB) 20,000+** - S&P 500 Monthly Point to Point Cap :  Cap 2.750%  - S&P 500 Annual Point to Point Cap :  Cap 7.750%  - S&P 500 Annual Point to Point Participation Rate:  Part Rate 30% - Fixed Rate:  Rate: 4.00% - S&P 500 MARC 5% Excess Return 2-Year Point to Point w/ PR :  Part Rate 200% - S&P 500 MARC 5% Excess Return Annual Point to Point w/ PR :  Part Rate 140% - S&P 500 2-Year Point to Point with Participation Rate :  Part Rate 45% - Fidelity Multifactor Yield 5% ER 2-Year Point to Point w/ PR:  Part Rate 210% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ PR:  Part Rate 150% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ Enhanced PR:  Part Rate 185% - Fidelity Multifactor Yield 5% ER 2 year Point to Point w/ Enhanced PR :  Part Rate 265% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate:  Part Rate 185% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate:  Part Rate 265% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate:  Part Rate 150% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate:  Part Rate 210% - 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate:  Part Rate 75% - 2 Year Goldman Sachs Equity TimeX Index with Participation Rate:  Part Rate 105% **NAC VersaChoice 10 (ELB) 75,000+** - 2 Year Goldman Sachs Equity TimeX Index with Participation Rate:  Part Rate 120% - 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate:  Part Rate 85% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate:  Part Rate 235% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate:  Part Rate 175% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate:  Part Rate 290% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate:  Part Rate 200% - Fidelity Multifactor Yield 5% ER 2 year Point to Point w/ Enhanced PR :  Part Rate 290% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ Enhanced PR:  Part Rate 200% - Fidelity Multifactor Yield 5% ER Annual Point to Point w/ PR:  Part Rate 175% - Fidelity Multifactor Yield 5% ER 2-Year Point to Point w/ PR:  Part Rate 235% - S&P 500 2-Year Point to Point with Participation Rate :  Part Rate 50% - S&P 500 MARC 5% Excess Return Annual Point to Point w/ PR :  Part Rate 165% - S&P 500 MARC 5% Excess Return 2-Year Point to Point w/ PR :  Part Rate 225% - Fixed Rate:  Rate: 4.25% - S&P 500 Annual Point to Point Participation Rate:  Part Rate 35% - S&P 500 Annual Point to Point Cap :  Cap 8.750%  - S&P 500 Monthly Point to Point Cap :  Cap 2.900%  **Performance Choice 8 20,000+** - 1-Year S&P 500 Point-to-Point :  Cap 8.250%  - 1-Year S&P 500 Monthly Point-to-Point Cap :  Cap 2.850%  - 1-Year Fixed :  Rate: 4.20% - 1-Year S&P MARC 5% ER Annual Point to Point W/PR:  Part Rate 160% - 1-Year S&P 500 Annual Point-to-Point W/PR:  Part Rate 30% - 2-Year S&P 500 Annual Point-to-Point W/PR:  Part Rate 45% - 2-Year S&P MARC 5% ER Annual Point to Point W/PR :  Part Rate 215% - 1-Year Fidelity Multifactor Yeild Index 5% ER W/PR:  Part Rate 170% - 2-Year Fidelity Multifactor Yeild Index 5% ER W/PR:  Part Rate 225% - 1-Year Fidelity Multifactor Yeild Index 5% ER W/ Enhanced PR :  Part Rate 195% - 2-Year Fidelity Multifactor Yeild Index 5% ER W/ Enhanced PR :  Part Rate 285% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate:  Part Rate 195% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate:  Part Rate 285% - Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate:  Part Rate 170% - Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate:  Part Rate 225% - 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate:  Part Rate 80% - 2 Year Goldman Sachs Equity TimeX Index with Participation Rate:  Part Rate 115% #### Author:Webmaster [Next On The Move – August 29, 2023](https://blog.iamsinc.com/on-the-move-august-29-2023) [Previous On The Move – September 26, 2023](https://blog.iamsinc.com/on-the-move-sept-26-2023) ### 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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