When considering the formula for present value of an seven percent return annuity, there are many factors to investigate along the way.  While some may consider this to be a cumbersome activity, history suggests that investigating the present value of an annuity due will pay often off if not immediately then down the road. For example is one considering the purchase of an existing annuity due, or is one considering the sale of an existing annuity due, or the purchase of a new annuity? Or is one considering evaluating an existing annuity for estate tax purposes?  What discount rate assumptions are proper and what financial crediting factors are appropriate?

 


        

 

 

Projected

Purchase Price

 Total Paid Back

Issuer

 Payment Term

Ref#

 Guaranteed Effective Interest Rate

 $18,176

 $93,493

CNA Continental Casualty Life Insurance Company

30 yrs

 #1437

7.00%

 $10,473

 $115,025

CNA Continental Casualty Life Insurance Company

40 yrs

 #1150

7.25%

 $229,434

Sale Pending

 $358,321

AmerUS, Hartford and
Genworth Life Insurance Companies

18 yrs

 #D013698

5.00%

 $115,661

 $179,160

AmerUS, Hartford and
Genworth Life Insurance Companies

18 yrs

 #D6848

4.90%

 $166,681
(Case of the day)

 $387,000 

(2.32 times purchase price)

Transamerica Life Insurance Company

17 yrs

 #8484

5.75%

 $48,859

 $70,701

Transamerica Life Insurance Company

16 yrs

 #1196

5.00%

 $103,786

 $156,000

Metropolitan Life Insurance Company

9 yrs

 #3027

5.00%

 $163,957

 $210,000

American General Life Insurance Company

9 yrs

 #2995

4.75%

 $71,410

 $124,809

Allstate Life Insurance Company

17 yrs

 #2358

5.50%

 $18,643

 $40,000

American General Life Insurance Company

15 yrs

 #958

5.25%

 $60,726

 $93,000

CNA Continental Casualty Life Insurance Company

8 yrs

 #1681

5.50%

 $41,090

 $70,879

State Farm Life
Insurance Company

17 yrs

 #1310

5.50%

 $76,125

 $130,752

AmerUS Life Insurance Company
(Aviva)

14 yrs

 #2609

5.50%

 $71,729

 $125,000

Hartford Life Insurance Company

18 yrs

 #2630

5.00%

 $47,702

Sale Pending

 $67,569

The Hartford Life
Insurance Company

10 yrs

 #1293

4.50%

 $206,984

 $285,000

Transamerica Life
Insurance Company

8 yrs

 #5625

4.30%

 $62,694

 $85,000

State Farm Life
Insurance Company

7 yrs

 #1598

4.30%

 $214,064

 $364,370

Prudential Life Insurance Company

20 yrs

 #7044

5.25%

 $464,611

 $687,000

Transamerica and Aegan Life Insurance Companies

17 yrs

 #9425

5.50%

 $102,464

Sale Pending

 $165,000

The Hartford Life Insurance Company

18 yrs

 #3210

5.00%

 $86,318

 $136,742

CNA Continental Casualty Life Insurance Company

20 yrs

 #2587

5.00%

 $168,608

 $199,665

Metropolitan, Symetra, Genworth and Aviva Life Insurance Companies

7 yrs

 #2342

4.30%

 

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