comparative annuity reports - immediateannuities.com€¦ · cert $ 903 $ 926 fem. age 60 $ 458 $...

Comparative Annuity Reports Your guide to comparing data about Single Premium Immediate Annuity programs

November 2015 1-800-872-6684 www.immediateannuities.com/comparativeannuityreports/ Volume 36 Issue 11

SUMMARY OF IMMEDIATE ANNUITY PAYOUTS © Comparative Annuity Reports, All Rights Reserved

Period (Term)

Certain Only

Average

Highest

Single Life

Only

Average

Highest

Single Life with

10-Years Certain

Average

Highest

5-Year Pd. Cert. $ 1,683 $ 1,715 Male Age 60 $ 484 $ 498 Male Age 60 $ 477 $ 496

10-Year Pd. Cert $ 903 $ 926 Fem. Age 60 $ 458 $ 474 Fem. Age 60 $ 454 $ 473

15-Year Pd. Cert. $ 653 $ 671 Male Age 65 $ 543 $ 556 Male Age 65 $ 530 $ 547

20-Year Pd. Cert. $ 533 $ 552 Fem. Age 65 $ 509 $ 527 Fem. Age 65 $ 501 $ 517

25-Year Pd. Cert. $ 464 $ 494 Male Age 70 $ 623 $ 641 Male Age 70 $ 595 $ 613

30-Year Pd. Cert. $ 419 $ 442 Fem. Age 70 $ 578 $ 594 Fem. Age 70 $ 560 $ 579

Male Age 75 $ 740 $ 771 Male Age 75 $ 674 $ 694

Fem. Age 75 $ 679 $ 703 Fem. Age 75 $ 638 $ 660

Above figures are monthly income per $100,000 non-qualified premium in a non-premium tax state.

Important Disclaimers: No warranties are made about the information published in Comparative Annuities Report. All information published in this newsletter is subject to change without notice and may vary from state to state at time of publication. This information is not intended to create public interest in the sale of annuities. You should consult with a competent financial planner to determine whether an annuity is suitable for your financial situation. Comparative Annuity Report Data on SPIA annuities are quoted monthly in Kiplinger’s Retirement Report.

2014 2015

Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov MoM YoY

M60* $478 $479 $475 $465 $467 $464 $464 $471 $478 $479 $477 $479 $477 -0.42% -0.21%

F60* $454 $455 $451 $441 $443 $441 $441 $448 $455 $457 $454 $454 $454 0.00% 0.00%

M65* $530 $533 $527 $518 $519 $517 $517 $524 $531 $532 $530 $532 $530 -0.38% 0.00%

F65* $501 $503 $498 $489 $490 $489 $489 $496 $503 $503 $501 $503 $501 -0.40% 0.00%

M70* $595 $596 $591 $583 $584 $582 $582 $588 $595 $596 $594 $596 $595 -0.17% 0.00%

F70* $560 $562 $557 $549 $550 $548 $548 $555 $562 $562 $560 $562 $560 -0.36% 0.00%

M75* $672 $673 $670 $662 $663 $662 $662 $667 $674 $674 $673 $675 $674 -0.15% 0.30%

F75* $637 $639 $635 $628 $628 $627 $627 $632 $639 $639 $638 $639 $638 -0.16% 0.16%

10PC** $894 $895 $895 $891 $892 $891 $892 $897 $902 $902 $902 $904 $903 -0.11% 1.00%

25PC** $462 $465 $461 $453 $455 $453 $452 $458 $465 $466 $465 $467 $464 -0.64% 0.43%

AVG $578 $580 $576 $568 $569 $567 $567 $574 $580 $581 $579 $581 $580 -0.26% 0.22%

Legend: MoM = month over month change, YoY = year over year change

* Monthly income per $100,000 for life with 10 years certain immediate annuity. M60=male age 60, F60=female age 60, etc.

**Monthly income per $100,000 for X year period certain only annuity, 10PC=10 years, 25PC=25 years

Source: www.immediateannuities.com/comparativeannuityreports/ Copyright 2014 All Rights Reserved 1-800-872-6684

Gender &

Age

Comparative Annuity Reports - November 2015

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

Chart 1. Yields for Moody's AAA Corp. Bonds, 10Yr. Treasury Notes, andtheir Spread (Corp. minus 10Yr T-N)

www.immediateannuities.com/comparativeannuityreports/ 1- 800-872-6684 Updated November 1, 2015

Moody's AAA Corp. Bond 10Yr. T-Notes Spread (Corp. minus 10Yr T-N)

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%

1962 1967 1972 1977 1982 1987 1992 1997 2002 2007 2012 2017

% Y

ield

Chart 2. Yields for Moody's AAA Corp. Bonds and 10Yr. Treasury Notes

www.immediateannuities.com/comparativeannuityreports/ 1- 800-872-6684 .Updated November 1, 2015

Moody's AAA Corp. Bond 10Yr. T-Notes

-1.00%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

Chart 3. Expected Inflation Rate (10Yr. Treasury Notes minus 10Yr. TIP (Treasury Inflation Protected bond)

www.immediateannuities.com/comparativeannuityreports/ 1- 800-872-6684 .Updated November 1, 2015

10Yr-Tip 10Yr. T-Notes Exp. Inflation (10Yr T-N minus 10Yr Tip)

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

$800

$850

$900

$950

$1,000

$1,050

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y I

nco

me p

er

$100,0

00

Chart 4. Monthly Annuity Income per $100,000 premium for a 10-YearPeriod Certain Annuity (10PC) and Moody's AAA Corp. Bonds

www.immediateannuities.com/comparativeannuityreports/ 1- 800-872-6684 . Updated November 1, 2015

10 Yr. PC ($/mo.) Moody's AAA Corp. Bond

4.50%

5.00%

5.50%

6.00%

6.50%

$400$420$440$460$480$500$520$540$560$580$600$620$640$660$680$700$720$740$760$780$800$820$840$860$880$900$920$940$960$980

$1,000$1,020$1,040$1,060$1,080

2003 2004 2005 2006 2007 2008 2009

Mo

nth

ly A

nn

uit

y I

nco

me p

er

$100,0

00


Copyright 2009 - WebAnnuities.com - All Rights Reserved Contact: 800-872-6684 - Updated June 1, 2009


3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

$400

$450

$500

$550

$600

$650

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y I

nco

me p

er

$100,0

00




3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$400

$450

$500

$550

$600

$650

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00

Chart 6. Monthly Annuity Income per $100,000 premium, Male Age 60, Life & 10 Yrs. Annuity (10C&C) and Yield on Moody's AAA Corp. Bonds

www.immediateannuities.com/comparativeannuityreports/ 1-800-872-6684 . Updated November 1, 2015

M60 10C&C ($/mo.) Moody's AAA Corp. Bond

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$400

$450

$500

$550

$600

$650

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00

Chart 6. Monthly Annuity Income per $100,000 premium, Female Age 60, Life & 10 Yrs. Annuity (10C&C) and Yield on Moody's AAA Corp. Bonds


F60 10C&C ($/mo.) Moody's AAA Corp. Bond

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$475

$525

$575

$625

$675

$725

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00




$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

$500

$520

$540

$560

$580

$600

$620

$640

$660

$680

$700

Vol.24

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me

Chart 10. Immediate Annuity Mo. Income per $100,000 premium, Age 65, Life & 10 Yrs. Certain Annuity (10C&C) vs. Yield on Moody's AAA Corp. Bonds

Copyright 2009 - ImmediateAnnuities.com - Contact 800-872-6684Data: Annuity Shopper, July 2009 Issue

F60 10C&C ($/mo.) M65 10C&C ($/mo.) F75 10C&C ($/mo.)

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$475

$495

$515

$535

$555

$575

$595

$615

$635

$655

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00




$0

$0

$0

$0

$0

$620

$640

$660

$680

$700

$720

$740

$760

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me

Chart 5. Yield on Moody's AAA Corp. Bonds and Immediate AnnuityMo. Income, $100,000 premium, Age 70, Life & 10 Yrs. Certain (10C&C)

Copyright 2009 - ImmediateAnnuities.com - Contact 800-872-6684Data: Comparative Annuity Reports, May 1, 2009


$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

$500

$550

$600

$650

$700

$750

$800

Vol.24

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$500

$550

$600

$650

$700

$750

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00




$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$620

$640

$660

$680

$700

$720

$740

$760

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

$500

$550

$600

$650

$700

$750

$800

Vol.24

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$500

$550

$600

$650

$700

$750

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00




1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

$620

$640

$660

$680

$700

$720

$740

$760

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

% Y

ield

on

10Y

r. T

-No

tes

Mo

nth

ly A

nn

uit

y In

co

me

Chart 6. Yield on 10-Year Treasury Notes and Immediate AnnuityMo. Income, $100,000 premium, Age 70, Life & 10 Yrs. Certain (10C&C)


F65 10C&C ($/mo.) M70 10C&C ($/mo.)

$0

$0

$0

$0

$0

$620

$640

$660

$680

$700

$720

$740

$760

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

$500

$550

$600

$650

$700

$750

$800

$850

Vol.24

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$600

$650

$700

$750

$800

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00




1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

$620

$640

$660

$680

$700

$720

$740

$760

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

% Y

ield

on

10Y

r. T

-No

tes

Mo

nth

ly A

nn

uit

y In

co

me

Chart 6. Yield on 10-Year Treasury Notes and Immediate AnnuityMo. Income, $100,000 premium, Age 70, Life & 10 Yrs. Certain (10C&C)


F65 10C&C ($/mo.) M70 10C&C ($/mo.)

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$620

$640

$660

$680

$700

$720

$740

$760

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

$500

$550

$600

$650

$700

$750

$800

$850

Vol.24

Vol.24

Vol.24

Vol.24

Vol.25

Vol.25

Vol.25

Vol.25

Vol.26

Vol.26

Vol.26

Vol.26

Vol.27

Vol.27

Vol.27

Vol.27

Vol.28

Vol.28

Vol.28

Vol.28

Vol.29

Vol.29

Vol.29

Vol.29

Vol.30

Vol.30

Vol.30

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me




3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

$600

$650

$700

$750

$800

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

% Y

ield

on

Co

rp. B

on

ds

Mo

nth

ly A

nn

uit

y In

co

me p

er

$100,0

00




comparative annuity reports - immediateannuities.com€¦ · cert $ 903 $ 926 fem. age 60 $ 458 $...

Documents