Variable Annuities

Low-cost, no-load, fee-based variable annuities on the RetireOne platform include investment-only variable annuities (IOVAs), variable annuities with lifetime income benefits, and index-linked annuities (sometimes called ‘buffer annuities’ or ‘structured annuities’). Listed below are the IOVAs and VAs with lifetime income benefits. These riders are also called guaranteed lifetime withdrawal benefits, or “GLWB.”

VAs with lifetime income benefits are typically employed to create income streams. RIAs and fee-based advisors favor IOVAs as pure accumulation vehicles—for rescuing clients’ old, pricey, traditional VAs.

Features

Fees/Expenses

Limits

Literature

wdt_ID	Insurance Company	Product	Solution Type	Return of Premium Death Benefit	Investment Options/Crediting Methods	Fund Families	Fixed Account Availability	Ultra Low-Cost Funds	Surrender Penalty	Lifetime Income Benefit	Penalty Free Withdrawals	Systematic Withdrawals	Dollar-Cost Averaging
1	Allianz Life	Index Advantage ADV℠	Registered Index-Linked Annuity	included in M&E charge	4	N/A	No	No	Yes	No	Yes	Yes	No
2	Allianz Life	Retirement Foundation ADV℠	Fixed Index Annuity		4	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
3	Ameritas	Advisor No-Load VA	Variable Annuity	included in M&E charge	65	15	Yes	DFA & Vanguard	No	No	Yes	Yes	Yes
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity		N/A	N/A	Yes	N/A	No	Yes	Yes	N/A	No
6	Ameritas	Advisor II VUL	Variable Universal Life		N/A	N/A	N/A	N/A	No	N/A	N/A	N/A	N/A
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance		N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Index Annuity		5	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	N/A	140+	35+	No	Yes	No	N/A	N/A	Yes	Yes
12	Symetra	Advisory Edge	Fixed Index Annuity		2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
13	Symetra	Advisory Income Edge	Fixed Index Annuity		N/A	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	0.10%	66	20	No	DFA & Vanguard	No	No	Yes	Yes	Yes
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity		N/A	N/A	Yes	N/A	Yes	No	No	N/A	No
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	0.10%	68	9	Yes	Vanguard (a)	No	Yes	Yes	Yes	Yes
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	0.20%	110	31	Yes	Yes	No	Yes	Yes	Yes	Yes
20	Jackson	Perspective Advisory II^®	Variable Annuity	0.20%	146	35	Yes	Yes	No	Yes	Yes	Yes	Yes
21	Jackson	Marketprotector Advisory^SM	Fixed Index Annuity		2	N/A	Yes	N/A	No	Yes	Yes	Yes	No
22	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Index Annuity		5	N/A	Yes	N/A			Yes	Yes
23	MassMutual Ascend	Index Protector 4℠	Fixed Index Annuity		5	N/A	Yes	N/A	Yes		Yes	Yes
24	Protective Life	Investors Benefit Advisory VA	Variable Annuity	0.20%	83	12	Yes	Yes, DFA & Vanguard	No	Yes	Yes	Yes	Yes
25	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	included in M&E charge	96	19		Yes, DFA		Yes	Yes	Yes	Yes
26	Pacific Life Insurance	Pacific Index Advisory®	Fixed Index Annuity	0.40%	2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
27	Midland National® Life Insurance Company	IndexMax ADV^SM 5	Fixed Index Annuity		2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
28	Midland National® Life Insurance Company	IndexMax ADV^SM 7	Fixed Index Annuity		2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
29	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	0.15%	83	24	No	DFA & Vanguard	No	Yes	Yes	Yes	Yes
30	Midland National® Life Insurance Company	Constance^SM CDA	Contingent Deferred Annuity	N/A	215	18	N/A	Yes	N/A	Yes	Yes	N/A	N/A
31	Jackson	Jackson Market Link Pro^SM Advisory	Registered Index-Linked Annuity	included through age 75	50 segment options	3	Yes	N/A	No	No	Yes	Yes	No
32	Allianz Life	Index Advantage Income ADV^SM	Registered Index-Linked Annuity		31	N/A		N/A	No	Yes	Yes	Yes	No
33	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity				Yes				Yes	Yes
34	Midland National® Life Insurance Company	Oak ADVantage^SM	Multi-Year Guaranteed Annuity				Yes		Yes		Yes	Yes
35	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity		No	No	Yes	No	Yes	No	Yes	Yes	No
36	Midland National® Life Insurance Company	Midland National Capital Income	Fixed Index Annuity		4	2	Yes		Yes	Yes	Yes	Yes
37	MassMutual Ascend	Index Achiever Advisory	Registered Index-Linked Annuity	included in M&E charge	10	N/A	Yes	N/A	No CDSC, but MVA		No	Yes	N/A
38	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity		N/A	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
39	Nationwide	Advisory Income	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	Yes	N/A	Yes	N/A
40	Nationwide	Monument Advisor	Variable Annuity	included in M&E charge	350+	50+	No	DFA, Vanguard	No	No	Yes	Yes	Yes
41	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	included in M&E charge	150+	35+	No	DFA, Vanguard	No	Yes	Yes	Yes	Yes
42	Corebridge Financial	Power Index Advisory	Fixed Index Annuity	N/A	6	6	Yes	N/A	N/A	Yes	Yes	Yes	N/A
43	Corebridge Financial	Assured Edge Advisory	Fixed Annuity	N/A	N/A	N/A	Yes	N/A	N/A	Yes	Yes	Yes	N/A
44	Protective Life	Investors Benefit Advisory VUL	Variable Universal Life	N/A	43	14	Yes	Yes	No	N/A	Yes	Yes	Yes
45	Jackson	Market Link Pro^® Advisory II	Registered Index-Linked Annuity	included in M&E charge	3	5	Yes	NA	No	No	Yes	Yes	No
46	Equitable	Structured Capital Strategies PLUS 21 Series ADV	Registered Index-Linked Annuity	0.20%	84 segments, 1 VIO	1 (EQ/Money Market)	No	N/A	N/A	No	N/A	Yes	Yes
47	Equitable	Structured Capital Strategies Income ADV	Registered Index-Linked Annuity	0.20%	84 segments, 1 VIO	1 (EQ/Money Market)	No	N/A	N/A	Yes	N/A	Yes	Yes
48	Equitable	Investment Edge 21 ADV	Variable Annuity	0.20%	102 VIOs, 28 segments	20+	No	No	N/A	No	N/A	Yes	Yes
49	Pacific Life Insurance	Pacific Harbor	Multi-Year Guaranteed Annuity		1	N/A	Yes	N/A	No	No	No	Yes	N/A
50	Pacific Life Insurance	Pacific Advisory Fixed Index Annuity	Fixed Index Annuity		5	N/A	Yes	N/A	No	No	No	Yes	N/A
			Solution Type

wdt_ID	Insurance Company	Product	Solution Type	M&E Charge/Product Fee	Admin Charge	Return of Premium Death Benefit Fee	Annual Contract Maintenance or Subscription Fee†	Portfolio Expense Range (a)	Average Portfolio Expense (a)	Surrender Charge Schedule	Penalty Free %
1	Allianz Life	Index Advantage ADV℠	Registered Index-Linked Annuity	0.25%	0.00%	included in M&E charge	$50 < 100k	0.65%-0.73%	0.69%	6.5,6,5,4,3,2	10%
2	Allianz Life	Retirement Foundation ADV℠	Fixed Index Annuity	1.25%	N/A	N/A	N/A	N/A	N/A	6.5,6,5,4,3,2,1	10%
3	Ameritas	Advisor No-Load VA	Variable Annuity	0.45%	0.00%	included in M&E charge	$40 < $50k	0.15%-3.76%	0.76%	N/A	100%
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	None
6	Ameritas	Advisor II VUL	Variable Universal Life	0.70% years 1-15, .10% years 16+	N/A	N/A	N/A	N/A	N/A	N/A
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7,7,7,6,5,4,3	10%
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	N/A	N/A	N/A	After protection period	N/A	N/A	N/A	N/A
12	Symetra	Advisory Edge	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7 or 5 yr. Both 2%. Different in CA	10%
13	Symetra	Advisory Income Edge	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7 year 2%. Different in CA	10%
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	Tiered: .50%,.35%,.25%	0.00%	0.10%	$25 < $25k	0.09%-1.37%	0.69%	N/A	100%
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6 months of interest	Interest Only systematic
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	0.20%	0.00%	0.30%, 0.60% annual step-up	$35 < $100k	0.57%-2.22%	1.02%	N/A	100%
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	0.40% if < $ 1M, 0.35% if > $ 1M	0.05%, waived in contracts over $1,000,000	0.20%	$35 ($30 in NY), waived in contracts over $50,000	0.07% - 1.81%	0.60%	N/A	100%
19	Jackson	Perspective Advisory II^®	Variable Annuity	0.45% if < $ 1M, 0.40% if > $ 1M	$ 0	0.20%	$35 if < $50k	0.15% - 1.86%	0.63%	N/A	100%
20	Jackson	Marketprotector Advisory^SM	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	100%
21	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	10%
22	MassMutual Ascend	Index Protector 4℠	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	5.6,5.6,5.6,5.6	10%
23	Protective Life	Investors Benefit Advisory VA	Variable Annuity	0.30%	N/A	0.20%	$35 < $100,000	0.11% - 1.545%	0.77%	N/A	N/A
24	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	0.15%	0.15%	included in M&E charge	$0	0.28%-2.26%	0.95%	N/A	100%
25	Pacific Life Insurance	Pacific Index Advisory®	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	5YR - 7, 6, 5, 4, 3, 0% ; 7YR - 7, 6, 5, 4, 3, 2, 1, 0%	10%
26	Midland National® Life Insurance Company	IndexMax ADV^SM 5	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6,6,5,4,3 (may vary by state)	105
27	Midland National® Life Insurance Company	IndexMax ADV^SM 7	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6,6,5,4,3 (may vary by state)	10%
28	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	0.15%	0.15%	0.15%	$0	0.03% - 1.00%	0.52%	N/A	100%
29	Midland National® Life Insurance Company	Constance^SM CDA	Contingent Deferred Annuity	N/A	N/A	N/A	0.75% - 1.60%		0.38%	N/A	100%
30	Jackson	Jackson Market Link Pro^SM Advisory	Registered Index-Linked Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	100% (MVA Applicable)
31	Allianz Life	Index Advantage Income ADV^SM	Registered Index-Linked Annuity	0.95%	N/A	N/A	$50 (waived if Contract Value is at least $100,000)	N/A	N/A	N/A	10%
32	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	9,8,7,6,5,0% or 9,8,7,0%	N/A
33	Midland National® Life Insurance Company	Oak ADVantage^SM	Multi-Year Guaranteed Annuity	N/A	.75% at issue	N/A	N/A	N/A	N/A	3% every year for 3, 5, or 7-year term	Prior year’s interest only
34	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	9, 8, 7, 6, 5	10%
35	Midland National® Life Insurance Company	Midland National Capital Income	Fixed Index Annuity	1.0%	N/A	N/A	N/A	N/A	N/A	6, 6, 5, 4, 3, 3, 2	10%
36	MassMutual Ascend	Index Achiever Advisory	Registered Index-Linked Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	No
37	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity	None	None	N/A	N/A	N/A	N/A	9, 8, 7, 6, 5, 4, 3, 2, 1, .5%	RMD or 5% after year 2. $250 min.
38	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	0.20%	0.00%	0.15%	$0	.49%-2.31%	0.86%	N/A	100%
39	Nationwide	Monument Advisor	Variable Annuity	0.00%	0.00%	0.15%	$240	0.34%-3.56%	1.06%	N/A	100%
40	Nationwide	Advisory Income	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
41	Corebridge Financial	Power Index Advisory	Fixed Index Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
42	Corebridge Financial	Assured Edge Advisory	Fixed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	10%
43	Protective Life	Investors Benefit Advisory VUL	Variable Universal Life	0.20% years 1-10; 0.10% years 11+	Varies	N/A	$96		0.41%	N/A	N/A
44	Jackson	Market Link Pro^® Advisory II	Registered Index-Linked Annuity	None	None	None	None	None	None	None	None
45	Equitable	Structured Capital Strategies PLUS 21 Series ADV	Registered Index-Linked Annuity	N/A	N/A	20 bps	N/A	Structured, Zero (money market is 69 bps)	Zero structured, 69 bps variable	N/A	N/A
46	Equitable	Structured Capital Strategies Income ADV	Registered Index-Linked Annuity	N/A	N/A	N/A	N/A	Structured, Zero (money market is 69 bps)	Zero structured, 69 bps variable	N/A	N/A
47	Equitable	Investment Edge 21 ADV	Variable Annuity	N/A	N/A	30 bps	N/A	0.57-2.73%	1%	N/A	N/A
			Solution Type

wdt_ID	Insurance Company	Product	Solution Type	Availability	Minimum Initial Investment	Maximum Issue Age	Max Total Contributions w/o Approval
1	Allianz Life	Index Advantage ADV℠	Registered Index-Linked Annuity	48 states (not NY,AK)	$10,000	80	$1,000,000
2	Allianz Life	Retirement Foundation ADV℠	Fixed Index Annuity	49 states (not NY)	$10,000	80	$1,000,000
3	Ameritas	Advisor No-Load VA	Variable Annuity	49 states (not NY)	$2,000	85	$1,000,000
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity	50 states	$5,000 deposit or $ 50/Mo. Payout	85	$1,000,000
6	Ameritas	Advisor II VUL	Variable Universal Life	48 States (not CA or NY)	$100,000	80	$10,000,000
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance	50 States	N/A	80	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Index Annuity	49 states (not NY)	$100,000	85 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 81+
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	48 states (Not MT or NY)	None	80	N/A
12	Symetra	Advisory Edge	Fixed Index Annuity	49 States (Not NY)	$10,000	85	$1,000,000
13	Symetra	Advisory Income Edge	Fixed Index Annuity	49 States (Not NY)	$10,000	85	$1,000,000
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	50 states	$2,500	88.5	$1,000,000
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity	Not available in IL, IN, ND, OR, WA	$5,000	88.5	$500k in a calendar year
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	50 states	$5k Non-Qualified; $1k Qualified	90	$1,000,000
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	50 States	$50,000	85	$2,500,000
19	Jackson	Perspective Advisory II^®	Variable Annuity	50 States	$25,000	85	$1,000,000
20	Jackson	Marketprotector Advisory^SM	Fixed Index Annuity	49 States (not NY)	$25,000	85 (80 with election of GLB)	$2,500,000
21	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Index Annuity	48 states	$50,000	89 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 81+
22	MassMutual Ascend	Index Protector 4℠	Fixed Index Annuity	48 States	$50,000	90 (inherited 75)	$2M to 75, $1M 81+$2M to 75, $1.5M 76-80, $1M 81+
23	Protective Life	Investors Benefit Advisory VA	Variable Annuity	50 States	$5,000	85	$1,000,000
24	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	49 states (NY has own version)	$25,000	90 (85 in NY and OK)	$1,000,000
25	Pacific Life Insurance	Pacific Index Advisory®	Fixed Index Annuity	49 states (not available in NY)	$25,000	85	$1,000,000
26	Midland National® Life Insurance Company	IndexMax ADV^SM 5	Fixed Index Annuity	47 states (more to come)	$50,000	85	$1,000,000
27	Midland National® Life Insurance Company	IndexMax ADV^SM 7	Fixed Index Annuity	47 states (more to come)	$50,000	85	$1,000,000
28	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	50 states	$25,000	90	$1,000,000
29	Midland National® Life Insurance Company	Constance^SM CDA	Contingent Deferred Annuity	44 states + DC (not MN, MT, NY, OR, UT, WA)	$50,000	80	$2,000,000
30	Jackson	Jackson Market Link Pro^SM Advisory	Registered Index-Linked Annuity	Not available in NY, OR, NE or HI at this time	$25,000	85	$1,000,000
31	Allianz Life	Index Advantage Income ADV^SM	Registered Index-Linked Annuity	49 states (not NY)	$5,000	80	$3,000,000
32	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity	AZ, CO, DC, FL, GA, HI, ID, IL, IA, IN, KS, LA, MI, MO, MT, ND, NE, NV, NM, OH, OK, OR, SD, TX, UT	$10,000	90	$1,000,000
33	Midland National® Life Insurance Company	Oak ADVantage^SM	Multi-Year Guaranteed Annuity	49 States + DC (no NY)	$50,000	90	$1,000,000
34	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity	48 states (more to come)	$50,000	89 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 80+
35	Midland National® Life Insurance Company	Midland National Capital Income	Fixed Index Annuity	All States (Except NY)	$20,000	80	$1,000,000
36	MassMutual Ascend	Index Achiever Advisory	Registered Index-Linked Annuity	34 states	$0	80	2,000,000 0-75 / 1,500,000 76-80
37	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity	46 states (not AK, HI, ME, NY)	$10,000	100	$5,000,000
38	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	50 states	$25,000	95	$3,000,000
39	Nationwide	Monument Advisor	Variable Annuity	50 states	$15,000	95	$10,000,000
40	Nationwide	Advisory Income	Single Premium Immediate Annuity	49 states, not NY	$10,000	95	$3,000,000
41	Corebridge Financial	Power Index Advisory	Fixed Index Annuity		$25,000	85 (80 with election of GLB)	$1,000,000
42	Corebridge Financial	Assured Edge Advisory	Fixed Annuity		$25,000	80	$1,000,000
43	Protective Life	Investors Benefit Advisory VUL	Variable Universal Life	All states except NY	None	80	$5,000,000
44	Jackson	Market Link Pro^® Advisory II	Registered Index-Linked Annuity	Not available in OR, NE, NY (MO, VA, NJ only offer MLPA)	$25,000	85	$2,500,000
45	Equitable	Structured Capital Strategies PLUS 21 Series ADV	Registered Index-Linked Annuity	Not all segments available in all jurisdictions	$25,000	85 (ROP death benefit max 75)	$1,500,000
46	Equitable	Structured Capital Strategies Income ADV	Registered Index-Linked Annuity	Not all segments available in all jurisdictions	$25,000	80 (HAV death benefit max 75), minimum issue age of 45	$1,500,000
47	Equitable	Investment Edge 21 ADV	Variable Annuity	Not all segments available in all jurisdictions	$25,000	85	$1,500,000

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