STATS : VARIABLE ANNUITIES IN SEVERAL VARIETIES

SEP 07, 1998
Aggressive growth Top 10 PRODUCT 1 YEAR % 3 YEAR % UNDERWRITER Perspective JNL Aggressive Growth 24.92 19.49 Jackson National Life WRL Freedom VA Aggressive Growth 24.33 16.85 Western Reserve Life Assur/Ohio Maxiflex Ind Flx Janus Aggressive Growth 23.61 14.99 Great American Reserve CVA/Janus Aggressive Growth 23.42 14.81 Life of Virginia Americus Janus A.S. Aggressive Growth 23.32 N/A Annuity Investors Life Kemper Adv III Janus Aggressive Growth Q 23.25 N/A Kemper Investors Life Lincoln Benefit Janus Aggressive Growth 23.12 14.53 Lincoln Benefit Life Marathon Plus Janus Aggressive Growth 23.11 14.52 Aetna Principal FVA Aggressive Growth Division 18.51 26.64 Principal Life IDS Life Flex Port PCM New Opportunity 17.06 19.14 IDS Life BOTTOM 5 Venture Vision Warburg Emerg Growth -1.46 N/A Manufacturers Life of North Am. Venture NY Emerging Growth -1.22 N/A Manufacturers Life of New York Equi-VestIRA/QP IRA no OR Aggressive Growth -1.08 12.58 Equitable Life Manulife Acct 2 Ann Emer Growth Eq -0.82 6.51 Manufacturers Life of America BOA Amer Vision Strong Discovery -0.06 5.63 Nationwide Life AVERAGE 8.69 14.06 Janus Aggressive Growth's strategy snagged most of the spots in the top 10, though its one-year return lagged seemingly plain vanilla domestic growth products, some also from Janus. Corporate bond high yield Top 10 PRODUCT 1 YEAR % 3 YEAR % UNDERWRITER Income Manager 97 Alliance High Yield 12.22 16.07 Equitable Life Navigator Invesco VIF High Yield 11.83 N/A Annuity Investors Life Exchequer Invesco VIF-High Yield 11.69 14.12 Security Life of Denver Canada Life/NY Seligman High Yield Bond 11.00 12.26 Canada Life of New York Equi-Vest SEP/SAR MD/OR/WA High Yield 10.75 16.03 Equitable Life Anchor Nat'l Polaris High Yield Bond 10.54 11.88 Anchor National Life Travelers Univ Annuity High Yield Bond Q 10.33 12.63 Travelers Life Fidelity Reserves/VIP High Income 10.16 13.05 Fidelity Investment Life PML Div II T Rowe High Yield Bond Flex 10.07 12.18 Penn Mutual Life BOA Amer Future Fidelity VIP High Income 9.94 12.93 Nationwide Life Ins Co BOTTOM 5 Touchstone Income Opportunity 0.39 15.40 Western-Southern Life Fortis Masters Ann High Yield 2.47 6.62 Fortis Benefit Pacific Select VA High Yield Bond 4.37 8.75 Pacific Mutual Life Cova Custom Sel Opp High Income 4.88 3.42 Cova Financial Services Life Nauticus ML VSF High Current Income 5.27 N/A Annuity Investors Life AVERAGE 8.79 11.75 Bottom-ranked Touchstone seems to have missed all the income opportunities in the past year. At least they didn't call it "high yield." Income Manager 97 is No. 1 in both columns. investment-grade bond Top 10 PRODUCT 1 YEAR % 3 YEAR % UNDERWRITER Mainstay Plus Convertible 10.70 N/A New York Life Ins & Annuity Maxiflex Ind Flx Conseco Corp Bond 9.98 8.88 Great American Reserve MONY MONYMaster Long Term Bond 8.78 8.60 Mutual of New York MONY Amer MONYMaster Long Term Bond 8.78 8.60 MONY of America Security Ben VA4 Q High Grade Bond 7.41 7.43 Security Benefit Life MetLife Pref Plus Income 7.22 7.16 Metropolitan Life Travelers Vintage TLAC/TBC Managed 7.06 6.53 Travelers Life NYLIAC Mainstay VP II Bond 6.93 6.36 New York Life Ins & Annuity Farm Bureau High Grade Bond 6.82 6.95 Farm Bureau Hancock MarketPlace Sovereign Bond 6.69 7.52 John Hancock Mutual Life BOTTOM 5 Lincoln Benefit IAI Reserve 3.06 3.24 Lincoln Benefit Life Kemper Passport Global Income Q 3.33 N/A Kemper Investors Life CNA MFS Limited Maturity Series 3.59 N/A CNA/Valley Forge Century Members Bond 3.83 N/A CUNA Mutual Life Discovery Preferred Diversified Bond 4.05 N/A Prudential AVERAGE 5.81 6.54 Consistency characterizes investment-grade-bond accounts, with barely more than a percentage point separating most one- and three-year returns, and 7.64 points from top to bottom. EQUITY INCOME Top 10 PRODUCT 1 YEAR % 3 YEAR % UNDERWRITER PB Marquee Fidelity Equity Income 25.13 24.47 Peoples Benefit Life IDS Life Symphony N.Y. Equity Income 18.06 15.03 IDS Life of N.Y. DE Medallion III Devon 17.65 N/A Allmerica Financial Life Pioneer Vision 2 Equity Income 16.81 21.60 Allmerica Financial Life Vanguard Var Annuity Plan Equity Income 16.01 25.38 Peoples Benefit Life Fortis Norwest Income Equity 15.49 N/A Fortis Benefit Allegiance Fidelity VIP Equity-Income 14.09 20.70 Alexander Hamilton Life Kemper Gateway Custom Contra Value 13.89 N/A Allmerica Financial Life Kemper Passport Contrarian Value NQ 13.73 N/A Kemper Investors Life DVA+ (Standard DB) Kayne Anderson Rising Div 13.16 23.13 Golden American Life BOTTOM 5 CitiVariable NY CitiSelect VIP 400 1.17 N/A Citicorp Life Conseco Advantage INVESCO Ind Income 5.24 15.79 Great American Reserve Venture NY Equity 6.52 15.76 Manufacturers Life of New York Venture New Gen Equity 6.52 15.76 Manufacturers Life of North Am. Mainstay Plus TRP Equity Income 7.12 19.83 New York Life Ins & Annuity AVERAGE 9.76 19.57 PB Marquee came out on top in the one-year column, posting a return that was close to its three-year annualized result, unlike the oldest four of the category's bottom five accounts. Domestic growth Top 10 PRODUCT 1 YEAR % 3 YEAR % UNDERWRITER MSDW VA Stock Equity 48.33 25.34 Northbrook Life Prudential Discovery Plus Pru Jennison 37.72 23.06 Prudential WRL Freedom VA Growth 32.14 27.24 Western Reserve Life Assr/Ohio Advisors Select JanCap Growth 32.05 32.34 American Skandia Life Assurance Endeavor 98 WRL Growth 31.95 27.06 PFL Life Endeavor NY (WRL) Janus Growth 31.95 27.06 AUSA Life Pinnacle I JanCap Apprec 31.33 N/A Integrity Life Insurance Pinnacle II(NILI) JanCap Apprec 31.33 N/A National Integrity Life CVA/Janus Aspen Capital Apprec 31.33 N/A Life of Virginia Conseco Advantage Dreyfus Stock Ind 30.10 30.57 Great American Reserve BOTTOM 5 Farm Bureau Value Growth -16.63 4.19 Farm Bureau Liberty Adv Stein Roe Special Venture -16.10 7.31 Keyport Life Advisor's Edge Stein Roe Special Venture -15.48 N/A Peoples Benefit Life BOA Amer Vision Amer Cent VP Cap Apprec -14.11 -4.56 Nationwide Life Union Central ACI Growth -14.10 N/A Union Central Life AVERAGE 13.45 20.29 MSDW VA Stock Equity shot ahead of its fellows in the domestic growth category when one-year returns were tallied up, and outshone every other offering on this page. Way to go. International STOCK Top 10 PRODUCT 1 YEAR % 3 YEAR % UNDERWRITER GT Global Allocator NY Europe Fund 33.67 25.18 Security Equity Life Insurance Gen Amer G.T. Europe Fund 33.67 25.18 General American Life MSDW VA European Growth 30.46 24.86 Northbrook Life Phoenix Big Edge Plus International 27.22 19.77 Phoenix Home Life Mutual Phoenix Big Edge Choice International 27.07 19.64 PHL Variable Advisors Select Janus Overseas Growth 22.23 N/A American Skandia Life Assurance BOA Amer Future AC VP International 21.35 20.54 Nationwide Life Great Am Res Uni AmCent VP International 21.33 20.58 Great American Reserve SAFECO Spinnaker Plus ACI International 21.07 20.32 SAFECO Life Income Mgr 97 MFS Emerging Growth 19.88 Equitable Life BOTTOM 5 Overture III-Plus MS Asian Equity -61.27 N/A Ameritas Variable Life Pinnacle I (NILI) MS Asian Equity -59.86 -24.47 National Integrity Life Pinnacle II MS Asian Equity -59.86 -24.47 Integrity Life VIP-Templeton Pacific Growth -57.02 -20.97 Allianz Life Keyport Preferred Adv Newport Tiger -56.69 -19.90 Keyport Life AVERAGE 1.29 9.82 Europe is the star and Asia is the goat, with nearly 95 percentage points separating the top from the bottom in the one-year column. No wonder the average one-year return is 1.29%. [More: Top 25 providers of variable annuities, ranked by assets]

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