WEBtown's Annuity Home Page 1
WEBtown's Annuity Homepage
TAX-DEFERRED ANNUITY information and resources
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Consider the advantages
of a tax-deferred annuity
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An annuity is a flexible investment that can pro-
vide you with. tax-deferred. accumulation. of in-
come,. guaranteed. minimum. return, a guaran-
teed lifetime income, access to the money you
deposit. in the. annuity (prior. to annuitization),
and tax-advantaged income options. Money in-
vested in annuity can also avoid probate.
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Tax-deferred annuities maximize your earning
power by letting. you earn. interest on money
that would otherwise be lost to taxation.
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Here are. 2 examples. of how. annuity tax de-
ferral works:
Annuity tax-deferral example 1 (PDF: 128k)
Annuity tax-deferral example 2 (PDF: 148k)
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For information about the taxation of annuity
income read:
IRS Publication 575 (Annuity Income) (PDF: 216k)
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Is a tax-deferred annuity a better investment
than a bank certificate of deposit?
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Here's some information that can help you decide:
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An excellent source of information about annui-
ties is the:
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The previous document was prepared by the:
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The NAIC. was. started. in 1871. and is the organi-
zation of. insurance regulators. from the 50 states,
the District of Columbia, & the four U.S. territories.
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We hope you enjoy your visit.
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If you have any questions or comments please
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Annuity Homepage Resources
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Copyright © 2002 WM. Baker Associates
ANNUITY PRODUCTS SECTION
(California Residents Only)
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To visit the home page for one of the annuities below,
click on the highlighted name of the annuity.
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Each annuity home page contains specific information
about the annuity & the company offering the annuity.
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Also included on each annuity home page are instruc-
tions and forms. you can download,. print out and use
to purchase your annuity.
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Current Interest Rates
as of 02/26/2003*/**
First
Year Rate
Rate for
years 2-6
Minimum
Guaranteed Rate
7.25%
3.25%
3.00
* - .The interest rates shown in the First Year Rate,
......Rate. for. years. 2-6,. and. Minimum Guaran-
......teed Rate columns above are subject to change
......at any time.
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** - The interest. rate you receive on the UltraMYG
......Annuity. you. purchase. may be. different than
......the. Current. Interest. Rates. presented. in the
......table above. Rates are. set for. each UltraMYG
......Annuity contract when the premium is received
......with a dated.application,. for an. UltraMYG An-
......nuity, signed by. the annuity owner(s). and the
......licensed agent transacting the annuity.
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Current Interest Rates
as of 02/26/2003*/**
Term
of
Guarantee
Current
Interest
Rate
Minimum
Guaranteed
Rate
3 years
-----%
3.00%
5 years
-----%
3.00%
7 years
3.10%
3.00%
8 years
3.45%
3.00%
9 years
3.85%
3.00%
10 years
4.50%
3.00%
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* - .The interest rates. presented in the Current In-
......terest Rate and Minimum Guaranteed Rate
......columns. above are. subject. to. change at any
......time.
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** - The interest. rate. that you..receive. on the Set
......Rate Annuity (SRA) you. purchase may be dif-
......ferent than the Current Interest Rate presented
......in. the table. above. Annuity. rates. are. set for
......each. Set Rate Annuity (SRA). contract. when
......the premium. is received. with a dated applica-
......tion,. for an SRA, that is signed by the annuity
......owner(s) & the. licensed agent transacting the
......annuity.
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Current Interest Rates */**
Term of
Guarantee
Base
Rate
1st Year only
Interest Bonus
Total First
Year Rate
Rate for years
2-5
Effective
Date
5 years
3.00%
0.00%
3.00%
3.00%
02-05-2003
Total First
Year Rate
Rate for years
2-7
7 years
3.45%
0.00%
3.45%
3.45%
02-05-2003
Total First
Year Rate
Rate for years
2-10
10 years
3.65%
2.35%
6.00%
3.65%
02-05-2003
* - The interest rates presented in the Base Rate,
.....1st Year. only. Interest. Bonus,. Total. First.
.....Year. Rate,. Rate. for. years. 2-5,. Rate. for
.....years 2-7, Rate. for years. 2-10 columns are
.....subject to change at any time
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** - The. interest. rate. that. you. receive. on. the
......MultiSet Plus (MSP). Annuity. you purchase
......may. be. different. than. the. Current Interest
......Rate presented in the table above.

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