Annuity Product Grid 2-15-10 - ECA Marketing

OM Financial Life Insurance Company
Fixed Indexed Annuities
Free
Commission
Issue Minimum Maximum
Index Interest Premium MGSV OMIncome for Withdrawal Liquidity/Riders Death Benefit Upfront Street** Trail
Ages Premium Premium Surrender Charges Crediting Method Bonus*
Life Provision
0-79 80-85
OMIndex-Spectrum 9 0-85 NQ $10,000 $1,000,000 • APTP1 w/cap 3% Yes Nursing Home 9.00% 4.50% 50 bps 100
Single Premium Deferred FIA 18-85 Q
9 yrs: 15, 15, 15, 14.5,
• MPTP1 w/Cap Unemployment
13.5, 12.5, 10, 7, 4, 0%
10% of Account Value
Surrender charges will be
bps
• MPTP2 w/cap
103% of premium plus
beginning in the Terminal Illness waived if the owner dies. If the
interest between 1% and
second contract year,
MGSV is greater than the
• MPTP3 w/cap
3%, less withdrawals
less any previous
account value, the MGSV will be
withdrawals
OMIncome for Life
paid to the named beneficiary
• MA1 w/cap
• Fixed Interest
Death of Owner
Accelerator Series 0-85 NQ $10,000 $1,000,000 • APTP1 w/cap Yes Nursing Home --
Flexible Premium Deferred FIA 18-85 Q • MPTP1 w/cap Unemployment
• MA1 w/cap
10% of Account Value
Terminal Illness
Surrender charges will be
beginning in the
waived if the owner dies. If the
OMIndex-Accelerator 7 7 Yrs: 10, 9, 8, 7, 6 • MA2 w/cap 3%
100% of premium plus
second contract year,
MGSV is greater than the
interest between 1% and
less any previous OMIncome for Life account value, the MGSV will be
5.00% 2.50%
5, 4, 0% • Fixed Interest
3%
withdrawals
paid to the named beneficiary
Death of Owner
OMIndex-Accelerator 10 10 yrs: 10, 10, 10, 10 8%
87.5% of premium plus
8.00% 4.00%
interest between 1% and
9, 8, 7, 6, 4, 2, 0%
3%
Escalator Series 0-85 NQ $10,000 $1,000,000 • APTP1 w/cap
87.5% of premium plus
No
Flexible Premium Deferred FIA 18-85 Q • MPTP1 w/cap
interest between 1% and
OMIndex-Escalator 6
• MA1 w/cap
3%
Nursing Home
Surrender charges will be
waived if the owner dies. The
6 yrs: 9, 9, 8, 7, 6, 5 • Fixed Interest 6% AVE Unemployment
10% of Account Value
surrender value will equal the
0%
beginning in the Terminal Illness sum of the account value of
4.00% 2.00%
second contract year, Death of Owner each option surrendered. For
OMIndex-Escalator 8 8 yrs: 13.75, 12.75, 11.75,
8% AVE less any previous
equity options, if the MGSV is 5.50% 2.75%
10.75, 10, 9, 8
withdrawals
greater than the account value,
7, 0%
the MGSV will be paid to the
OMIndex-Escalator 10 10 yrs: 14.75, 13.75,
10% AVE
named beneficiary
6.50% 3.25%
12.75, 11.75, 10.75, 10, 9,
8, 7, 6, 0%
Safety Series 0-85 NQ $15,000 $1,000,000 • APTP1 w/cap n/a No
Flexible Premium Deferred FIA 18-85 Q • MPTP1 w/cap 100% of premium plus
Nursing Home
• MA1 w/cap
interest at 3%
Unemployment
10% of Account Value
7 yrs: 10, 10, 10, 9, 8, 7, 6,
beginning in the
OMIndex-Safety 7
0% • Fixed Interest
second contract year,
Terminal Illness
less any previous Death of Owner
withdrawals
OMIndex-Safety 10
Surrender charges will be
waived if the owner dies. If the
MGSV is greater than the
account value, the MGSV will be
paid to the named beneficiary
5.50% 2.75%
10 yrs: 10, 10, 10, 9, 8, 7,
6, 5, 4, 3, 0% 7.00% 3.50%
PTO**
PTO**, 50
bps
1

OM Financial Life Insurance Company
Traditional Annuities
Free
Commission
Issue Minimum Maximum
Index Interest Premium MGIR OMIncome for Withdrawal Liquidity/Riders Death Benefit Upfront Street** Trail
Ages Premium Premium Surrender Charges Crediting Method Bonus*
Life Provision
0-79 80-90
Guarantee Series 0-90 NQ $5,000 NQ $600,000 n/a n/a Between 1% and 3% No Account value. --
$2,000 Q Nursing Home
OMGuarantee-Platinum 3 3 yrs: 9, 8, 7% Unemployment 1.50% 0.75%
Up to the amount of Terminal Illness
the accumulated
OMGuarantee-Platinum 5 5 yrs: 9, 8, 7, 6, 5% interest without
2.50% 1.25%
surrender charges.
OMGuarantee-Platinum 7 7 yrs: 9, 8, 7, 6, 5, 4 3.25% 1.625%
3%
Guarantee Plus Series 0-90 NQ $5,000 NQ $600,000 n/a 1% Between 1% and 3% No None Surrender value. --
$2,000 Q
OMGuarantee-Plus 3 3 yrs: 9, 8, 7% 1.50% 0.75%
Up to the amount of
the accumulated
OMGuarantee-Plus 5 5 yrs: 9, 8, 7, 6, 5% interest without
2.50% 1.25%
surrender charges.
OMGuarantee-Plus 7 7 yrs: 9, 8, 7, 6, 5, 4 3.25% 1.625%
3%'
Index Options Abbreviations Explained
Annuity Payment Options for all traditional and indexed annuities
APTP1 w/cap 1-Year S&P 500® Annual Point-to-Point w/ Cap • Income for a fixed period
MPTP1 w/cap 1-Year S&P 500® Monthly Point-to-Point w/ Cap • Life Income with a Guaranteed Period
MPTP2 w/cap 2-Year S&P 500® Monthly Point-to-Point w/ Cap • Life Income
MPTP3 w/cap 3-Year S&P 500® Monthly Point-to-Point w/ Cap • Joint and Contingent Life Income
MA1 w/cap 1-Year S&P 500® Monthly Average w/ Cap • Joint and Survivor Life Income with a Guaranteed Period
MA2 w/cap 2-Year S&P 500® Monthly Average w/ Cap • Joint and Survivor Life Income
• Life Income with a Lump Sum Refund at Death
Contracts issued by OM Financial Life Insurance Company, Baltimore, MD. Optional provisions and riders may have limitations, restrictions and additional charges. Subject to state availability. Certain restrictions may apply.
“S&P 500® ” is a trademarks of The McGraw-Hill Companies, Inc. and has been licensed for use by OM Financial Life Insurance Company. Standard & Poor’s does not sponsor, endorse, promote, or make any representation
regarding the advisability of purchasing the contracts.
*Subject to change.
**Performance Trail Option (PTO) pays 10% of each crediting method interest as compensation.
All fixed indexed annuities have a 100% participation rate in the indexing formula. 2/15/10 FOR PRODUCER USE ONLY - NOT FOR USE WITH THE GENERAL PUBLIC
09-171
2