Fixed annuities
ING Fixed Annuities

The new ING IncomeProtector Withdrawal Benefit, a revamped version of previous offerings, now provides a 7 percent compounding roll-up during the first 10 years of the deferral phase and an annual ratchet during both the deferral and withdrawal phase. ING USA has also included a provision that allows for full refund of rider charges to the beneficiary. Contract owners still have the ability to turn income on or off at any time; withdrawals are also now allowed during the first contract year.


Fixed annuities
Aviva MultiChoice Freedom Series

Flexible premium deferred annuities that offer the choice of three-, five-, seven- and 10-year products,
MultiChoice Freedom Series provide benefits such as freedom from stock market fluctuation, flexibility of withdrawals and income options, plus functionality to transfer wealth. Two of the 10-year products also provide premium bonuses: FreedomPlus provides a 5 percent premium bonus on all first and second year premiums, and FreedomExtra provides a 10 percent premium bonus on all first and second year premiums. InsurePay death benefit riders (with a 6 percent simple interest growth rate) are also available.

Variable universal life
Penn Mutual Diversified Growth VUL

To address the volatility in today’s markets, Penn Mutual’s new Diversified Growth VUL provides life insurance protection with competitive no-lapse guarantees. It is the first of its kind to offer an indexed fixed account for returns, plus guaranteed downside protection. Clients accrue interest based on changes to the S&P 500 Index, with protections including a 0 percent annual floor and a 2 percent cumulative guarantee over a five-year period.