Annuity Rates
New Business Annuity Interest Rates

PRESIDENTIAL LIFE offers competitive rates on all of our products.

For product details, click on “Products” or “How We Can Help” to find the product that fits your needs or call us at 1-800-926-7599 or 1-888-PRES-LIF.

Single Premium Deferred Annuities (SPDAs)

Rates are effective SEPTEMBER 1, 2010. Rates are subject to change without notice.



Initial Interest Rate Guarantee Periods $5,000* and over
Patriot SPDA, 1-yr rate guarantee 3.05%**
Secure 4, 4-yr rate guarantee 2.25%**
Secure 5, 5-yr rate guarantee 2.40%**
Secure 6, 6-yr rate guarantee 2.30%**
Liberty 1 - Bailout rate one year guarantee N/A
Liberty 2 - Bailout rate two year guarantee N/A
Liberty 3 - Bailout rate three year guarantee N/A
Liberty 4 - Bailout rate four year guarantee N/A

*For less than $5,000, lower rate may apply.
**Guaranteed minimum as of 9/1/2010 is 1.5%.

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Flexible Premium Deferred Annuity

Rates are effective SEPTEMBER 1, 2010. Rates are subject to change without notice. New money deposit rates are guaranteed to December 31, 2010.


No Load Flex 2.30%
401(k) Flex 2.30%
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Immediate Annuity

Rates are effective JULY 14, 2010. Rates are subject to change without notice. Rates may vary if state premium taxes are applicable and depend upon tax qualification status.


$100,000 for 5 years Period certain ..... $1,710.44
$100,000 male age 65 Life w/20 years certain ..... $ 554.07
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Split Annuity Income Solution

A "split annuity" is an arrangement in which one payment buys two or perhaps three different annuity contracts: a single premium immediate income (SPII) contract and/or a single premium immediate annuity (SPIA) contract, to provide level income payments for a fixed period – usually 5 or 6 years – and a single premium deferred annuity (SPDA), to accumulate cash value at fixed interest. Under most split annuity arrangements, by the time the income payments stop, the value of the SPDA equals the total premium originally paid for all the contracts.

This assumes no cash withdrawals from the SPDA and if using a SPIA (temporary life contract), the Annuitant survives the payment period.

Presidential Life’s 5 Year Split Annuity

Presidential's 5-year split annuity involves separate annuity contracts.

  • 1. A single premium [period certain] Immediate Income (SPII) contract that maximizes your after-tax income at a guaranteed level, payable monthly for five full years (60 payments), and/or
  • 2. A single premium [temporary life] immediate annuity (SPIA) contract that also maximizes your after-tax income at a guarantee level, payable monthly for five full years (60 payments) and ends upon the Annuitant’s death or after five years which ever occurs first, and
  • 3. A Single Premium [Secure 5] Deferred Annuity (SPDA) that grows by the end of your five-year income payment period to an amount equal to your original premium cost for all the contracts.

Below is an example of what a $100,000 purchase of a Presidential's 5-year split annuity will produce. Actual rates on annuities you purchase may vary if you live in a state in which a state premium tax applies.

Using a period certain or temporary life annuity, what monthly payments will $100,000 Buy?

Secure 5 Annuity SPII 5 -Year Period Certain SPIA 5 - Year Temporary Life*
Purchase Cost $88,818 $11,182 $11,182
Monthly Payment 2.40%** $191.26 $221.15
% Monthly Payment Not Taxable*** 97.44% 96.69%

Rates for Secure 5 are effective SEPTEMBER 1, 2010. Rates for SPIA are effective JULY 14, 2010.
*Male, Age 80
**Secure 5, 5 – year interest crediting rate.
*** IRS income tax benefit, return of premium cost, temporary life monthly payments. IRS Table VIII.

Presidential Life’s 6-Year Split Annuity

Presidential's 6-year split annuity also involves separate annuity contracts.

  • 1. A single premium [period certain] Immediate Income (SPII) contract that maximizes your after-tax income at a guaranteed level, payable monthly for six full years (72 payments), and/or
  • 2. A single premium [temporary life] immediate annuity (SPIA) contract that also maximizes your after-tax income at a guarantee level, payable monthly for six full years (72 payments) and ends upon the Annuitant’s death or after six years which ever occurs first, and
  • 3. A Single Premium [Secure 6] Deferred Annuity (SPDA) that grows by the end of your six-year income payment period to an amount equal to your original premium cost for all the contracts

Below is an example of what a $100,000 purchase of a Presidential's 6-year split annuity will produce. Actual rates on annuities you purchase may vary if you live in a state in which a state premium tax applies.

Using a period certain or temporary life annuity, what monthly payments will $100,000 Buy?

Secure 6 Annuity SPII 6 -Year Period Certain SPIA 6 - Year Temporary Life*
Purchase Cost $87,246 $12,754 $12,754
Monthly Payment 2.30%** $185.29 $221.22
% Monthly Payment Not Taxable*** 95.60% 94.90%

Rates for Secure 6 are effective SEPTEMBER 1, 2010. Rates for SPIA are effective JULY 14, 2010.
*Male, Age 80
**Secure 6, 6 – year interest crediting rate.
*** IRS income tax benefit, return of premium cost, temporary life monthly payments . IRS Table VIII.

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