Something for everyone Life product overview
|
|
|
- Arleen Davis
- 6 years ago
- Views:
Transcription
1 Something for everyone Life product overview For agent/registered representative use ony. Not for pubic distribution.
2 Universa Life Insurance Indexed Universa Life Insuranc Easier. Fexibe. Competitive. Product overview Voya UL-CV 2 Voya Universa Life-CV Voya IUL-Goba 2 Voya Indexed Universa Life-Goba poicy form # /08 poicy form # /09 - Long-term cash accumuation potentia - Works we for Premium Financing and Suppementa Retirement Income - Waiver of Surrender Charge Rider avaiabe for traditiona Premium Finance cases - $100,000 minimum - One indexed strategy with a guaranteed minimum interest rate of 1% per year - Five year point-to-point using weighted average of three indexes - Fixed strategy with guaranteed minimum interest rate of 2% per year Key features Death Benefit Protection Saes Guaranteed Death Benefit Eary Cash Vaue Potentia (no surrender charge) Long-Term Accumuation Potentia High Net Worth Foreign Nationa Saes Guaranteed or Simpified Issue GI GI 1035 Loan Carryover Choice of GPT or CVAT Compensation Heaped Leveized & Semi-heaped Unimited Roing Targets Key riders Acceerated Benefit Rider Additiona Insured Rider Fuy underwritten ony Fuy underwritten ony Adjustabe Term Insurance Rider Cash Vaue Fex Rider Chronic Iness Rider Eary Cash Vaue Rider Guaranteed Minimum Accumuation Benefit Rider Overoan Lapse Protection Rider Premium Deposit Fund Rider Waiver of Specified Premium Rider Waiver of Surrender Charge Rider 3 Waiver of Cost of Insurance Rider Fuy underwritten ony Fuy underwritten ony 1 Issued by ReiaStar Life Insurance Company of New York 2 Issued by Security Life of Denver Insurance Company 3 When the Waiver of Surrender Charge Rider is used the heaped commissions are reduced and there is a eveized option. 1 For agent/registered representative use ony. Not for pubic distribution.
3 e Voya IUL-Goba Choice 2 Voya Indexed Universa Life-Goba Choice Voya IUL-Accumuator 2 Voya Indexed Universa Life-Accumuator Voya IUL-Protector 2 Voya Indexed Universa Life-Protector poicy form # /12 poicy form # /15 poicy form # /13 - Choice of fixed strategy or three indexed strategies - Eary Cash Vaue Rider - Seect Loans avaiabe to sti aow index crediting potentia - Choice of fixed strategy or two indexed strategies, incuding a High Participation Index Strategy - Optiona Chronic Iness Rider - Seect Loans avaiabe to sti aow index crediting potentia - avaiabe - Lower fixed expense structure - One simpe indexed strategy - Seect Loans avaiabe to sti aow index crediting potentia with Rider Ony GI GI GI with ECV Rider Yes, but N/A with ECV Rider; N/A on CVF Rider coverage Fuy underwritten ony Fuy underwritten ony Fuy underwritten ony Yes, but N/A with Yes, but N/A with Yes, but N/A with Yes, but N/A with Fuy underwritten ony Fuy underwritten & Orange Pass ony Fuy underwritten & Orange Pass ony For agent/registered representative use ony. Not for pubic distribution. 2
4 Variabe Universa Life Insurance w Singe Life Survivorship Easier. Fexibe. Competitive. Product overview Voya VUL-DB 2 Voya Variabe Universa Life-DB Voya VUL-CV 2 Voya Variabe Universa Life-CV Voya SVUL-CV 2 Voya Survivorship Variabe Universa Life-CV poicy form #2521(VUL)-10/10 poicy form #2517(VUL)-03/08 poicy form #2519(JTVUL)-12/08 - $100,000 minimum target death benefit - Competitivey-priced for ower funding, death benefit protection-focused saes whie maintaining ong-term cash accumuation potentia target death benefit - Long-term cash accumuation potentia - No mortaity and expense risk (M&E) charges (current basis) - $250,000 minimum target death benefit - Poicy Spit Option - Long-term cash accumuation potentia - No mortaity and expense risk (M&E) charges (current basis) Key features Death Benefit Protection Saes Guaranteed Death Benefit Limited Rider Limited and Lifetime Rider Eary Cash Vaue Potentia (no surrender charge) Long-Term Accumuation Potentia High Net Worth Foreign Nationa Saes Guaranteed or Simpified Issue 1035 Loan Carryover Choice of GPT or CVAT Compensation Heaped Leveized & Semi-heaped Unimited Roing Targets Key riders Acceerated Benefit Rider Additiona Insured Rider Fuy underwritten ony Fuy underwritten ony Adjustabe Term Insurance Rider Cash Vaue Fex Rider Chronic Iness Rider Eary Cash Vaue Rider Guaranteed Minimum Accumuation Benefit Rider Overoan Lapse Protection Rider Premium Deposit Fund Rider Waiver of Specified Premium Rider Waiver of Surrender Charge Rider 3 Waiver of Cost of Insurance Rider Fuy underwritten ony Fuy underwritten ony 1 Issued by ReiaStar Life Insurance Company of New York 2 Issued by Security Life of Denver Insurance Company 3 When the Waiver of Surrender Charge Rider is used the heaped commissions are reduced and there is a eveized option. GI 3 For agent/registered representative use ony. Not for pubic distribution.
5 Speciaty Voya Corporate VUL 2 Voya Corporate Variabe Universa Life poicy form #2516(VUL)-09/07 - $100,000 minimum target death benefit ($50,000 for Guaranteed Issue) - Designed for Executive Benefits market - Strong eary surrender vaue potentia - Surrender vaue enhancement Term Life Insurance Term Voya One-Year Term 2 Voya Survivorship One-Year Term 2 poicy form #1311 poicy form # For short-term protection needs - Convertibiity option - For short-term protection needs - Convertibiity option GI Semi-heaped ony For agent/registered representative use ony. Not for pubic distribution. 4
6 Avaiabe in New York w NY Term NY Universa Easier. Fexibe. Competitive. Product overview Key features Voya One-Year Term NY 1 Voya Survivorship One-Year Term NY 1 Voya UL-CV NY1 Voya Universa Life-CV NY poicy form #3311 poicy form #3312 poicy form # /09 - For short-term protection needs - Convertibiity option - For short-term protection needs - Convertibiity option - Long-term cash accumuation potentia. - Works we for Premium Financing and Suppementa Retirement Income. - Waiver of Surrender Charge Rider avaiabe for Traditiona Premium Finance cases. Death Benefit Protection Saes Guaranteed Death Benefit Eary Cash Vaue Potentia (no surrender charge) Long-Term Accumuation Potentia High Net Worth Foreign Nationa Saes Guaranteed or Simpified Issue 1035 Loan Carryover Choice of GPT or CVAT Compensation Heaped Leveized & Semi-heaped Unimited Roing Targets Key riders Acceerated Benefit Rider Additiona Insured Rider Adjustabe Term Insurance Rider Cash Vaue Fex Rider Chronic Iness Rider Eary Cash Vaue Rider Guaranteed Minimum Accumuation Benefit Rider Overoan Lapse Protection Rider Premium Deposit Fund Rider Waiver of Specified Premium Rider Waiver of Surrender Charge Rider 3 Waiver of Cost of Insurance Rider Fuy underwritten ony Fuy underwritten ony 1 Issued by ReiaStar Life Insurance Company of New York 2 Issued by Security Life of Denver Insurance Company 3 When the Waiver of Surrender Charge Rider is used the heaped commissions are reduced and there is a eveized option. 5 For agent/registered representative use ony. Not for pubic distribution.
7 Voya IUL-Protector NY 1 Voya Indexed Universa Life-Protector NY NY Indexed Voya IUL-Goba Choice NY 1 Voya Indexed Universa Life-Goba Choice NY poicy form # /13 poicy form # /16 - avaiabe - Lower fixed expense structure - One simpe indexed strategy - Seect oans avaiabe to sti aow index crediting potentia - Choice of fixed strategy or two indexed strategies - Seect oans avaiabe to sti aow index crediting potentia Grow your saes with easy access to timey information and the atest saes ideas Access our microsites for compete information on our product ine as we as advanced saes concepts that can be used to hep meet a your cients needs: Life Product Avenue contains product information and more, at your fingertips when you need it. Go to for more information. Fuy underwritten ony Fuy underwritten ony Yes, but N/A with Fuy underwritten ony Fuy underwritten ony Fuy underwritten ony Yes, but N/A with Fuy underwritten & Orange Pass ony S.O.L.A.R. Insurance Arrangement drive your Executive Benefit saes in the right direction. Premium Finance incudes ive LIBOR feed and standard rates and ender program detais. Executive Benefits incudes How to Se Executive Benefits series and key saes concepts. Weath Transfer/Estate Panning incudes atest estate tax information and fexibe concepts to use in uncertain times. Retirement Panning incudes Accumuation & Protection Panning (A.P.P. Combo), Retirement Extra and other uses of ife insurance in retirement panning. Business Panning gives panning techniques for business owners to hep preserve the vaue of their business or to pass on the ownership of their business. Benefit from these Microsites at Voya for Professionas. VoyaProfessionas.com For agent/registered representative use ony. Not for pubic distribution. 6
8 Our product. Your concept. Their soution. Contact Voya today! Ca: Your Voya Life Companies Representative or ca Visit: Voya for Professionas at VoyaProfessionas.com. Estate Panning Voya One-Year Term Term Voya Survivorship One-Year Term UL Voya UL-CV Voya IUL-Goba Voya IUL-Goba Choice IUL Voya IUL-Accumuator Voya IUL-Protector Voya VUL-DB Voya VUL-CV VUL Voya SVUL-CV Voya Corporate VUL Voya Survivorship One-Year Term NY NY Term Voya One-Year Term NY NY UL Voya UL-CV NY Voya IUL-Protector NY NY IUL Voya IUL-Goba Choice NY Charitabe Giving Credit Sheter Trusts Direct Gifts ILIT/TOLI Legacy Max Life Insurance as an Asset Cass Private Financing Private Spit Doar Stand-by Trusts Premium Financing Traditiona Premium Financing Executive Benefits 401(k) Look-Aike Pans Death Benefit Ony Pans Endorsement Spit Doar Exec Bonus/REBA/Bus. Owner Bonus NQDC/SERP S.O.L.A.R. Insurance Arrangements Spit Doar Loan Arrangements Business Panning Buy-Se Key Person Retirement Panning A.P.P. Combo Pension Max Retirement Extra Avaiabe product/concept soution and easiy iustrated using Voya Presents. Avaiabe product/concept soution but currenty cannot be iustrated using Voya Presents. Basic product iustration is avaiabe. Life insurance products are issued by ReiaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Variabe universa ife insurance products are distributed by Voya America Equities, Inc. Within the state of New York, ony ReiaStar Life Insurance Company of New York is admitted and its products issued. A are members of the Voya famiy of companies. Registered and/or variabe insurance products are offered by prospectus ony. To soicit registered and/or variabe insurance products you must be appointed with the issuing insurance company and be a registered representative of a broker-deaer that has a current seing agreement with the issuing company; variabe insurance products may aso require you to obtain a variabe insurance product ine on your insurance icense. A guarantees are based on the financia strength and caims paying abiity of the issuing insurance company, who is soey responsibe for a obigations under its poicies. Poicy oans and partia withdrawas may vary by state, generate an income tax iabiity, reduce avaiabe surrender vaue and death benefit or cause the poicy to apse. For agent/registered representative use ony. Not for pubic distribution Voya Services Company. A rights reserved. CN /01/2018 Voya.com
Product Overview. You choose with. ING Indexed Universal Life - Global Choice. Something for Everyone. NEW
Somethig for Everyoe. Product Overview Updated September 0 Goba Ch ice You choose with ING Idexed Uiversa Life - Goba Choice Life Isurace issued by Security Life of Dever Isurace Compay LIFE INSURANCE
ING IUL GDB & ING IUL GDB NY ING
Somethig for Everyoe. Product Overview Updated September 0! ING IUL GDB & ING IUL GDB NY ING Idexed Uiversa Life Guarateed Death Beefit issued by Security Life of Dever Isurace Compay ING Idexed Uiversa
Protective Fixed Annuities
s are set every two weeks and may change without notice. Depending on market conditions, rates may be set more frequenty. Withdrawas and eary surrenders may ower returns. View Fu Notification Current s
PROSPECTUS. I could have been an . Visit to sign up. May 1, 2018 VARIABLE UNIVERSAL LIFE INSURANCE (5-18) Product
PROSPECTUS May 1, 2018 VARIABLE UNIVERSAL LIFE INSURANCE I coud have been an emai. Visit www.fbfs.com to sign up. 737-530 (5-18) 2002-2007 Product PRINCIPAL UNDERWRITER/ SECURITIES & SERVICES OFFERED THROUGH
CENCO STREET JOURNAL. New! Non-Medical Underwriting on QoL Max Accumulator+ Check Out The Cenco Website:
A Specia Pubication for CENCO Reated Agents CENCO STREET JOURNAL Check Out The Cenco Website: www.cencoinsurance.com You wi have access to: Quotes Forms Introduc on Kits for Our Core Carriers Archived
Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider.
Heo, Wecome to Coonia Vountary Benefits. Thank you for your interest in our Universa Life with the Acceerated Death Benefit for Long Term Care Rider. For detai pease ca 877-685-2656. Pease eave your name,
A guide to your with-profits investment and how we manage our With-Profit Fund
Important information A guide to your with-profits investment and how we manage our With-Profit Fund For customers investing through a With Profits Pension Annuity. Contents This guide is important as
Your guide to remortgaging
Mortgages Need more information? Speak to one of our mortgage advisers who wi be happy to expain more about our range of mortgages. Ca: 0345 734 4345 (Monday to Friday 8am to 6pm) Cas may be monitored
A guide to your with-profits investment and how we manage our With-Profit Fund
Important information A guide to your with-profits investment and how we manage our With-Profit Fund For customers investing through an Aviva investment bond. Contents This guide is important as it aims
Retirement Income Charting a Course to Help Your Money Last
Retirement Income Charting a Course to Hep Your Money Last Peter Murphy, CFP Financia Partners Securities are offered through LPL Financia, Member FINRA/SIPC. Investment Advice offered through Financia
How to sell executive benefits
How to sell executive benefits Part 7: Product considerations At the Voya Life Companies, executive benefits refers to supplemental retirement benefits that employers can make available to their most valued
Modern Woodmen of America Variable Annuity Account
Modern Woodmen of America Variabe Annuity Account INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CERTIFICATE PROSPECTUS May 1, 2018 Modern Woodmen of America, a fraterna benefit society, (the Society
Happily ever after. Enjoy guaranteed income even after your retirement.
Happiy ever after. Enjoy guaranteed income even after your retirement. Exide Life New Immediate Annuity with Return of Purchase Price Lifeong Annuity Payouts Guaranteed for Life Fexibe Payout Options to
Key Features of the With Profits Pension Annuity
Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this
Key Features of the Tax-Free Flexible Plan
Key Features of the The Key Features suppied beow appy to the adut investment eement of the Famiy Fexibe Pan. No advice has been provided by Scottish Friendy in reation to this pan. If you are in any doubt
A guide to your with-profits investment and how we manage our With-Profit Fund
Important information A guide to your with-profits investment and how we manage our With-Profit Fund For customers investing through pension pans. Contents This guide is important as it aims to answer
Health Savings Account reference guide
Heath Savings Account 2017-2018 reference guide Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist of sections and topics
Imperial Money Market Pool. Annual Management Report of Fund Performance
Imperia Money Market Poo Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management report
Life, Disability, Dental & Vision Options
PEBA Standard Insurance Life, Disabiity, Denta & Vision Options Creating a fexibe offering to meet each empoyers needs. Standard Insurance Company Agenda Review current product offering Life & Additiona
Effective: January 1, Monthly rates. for individual & family plans. Rate brochure for Region 18
Effective: January 1, 2018 Monthy rates for individua & famiy pans Rate brochure for Region 18 This brochure has rate information for Bue Shied medica, denta, vision and individua term ife insurance* coverage
CIBC Global Bond Index Fund. Annual Management Report of Fund Performance
CIBC Goba Bond Inde Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management report
CIBC Managed Income Portfolio. Annual Management Report of Fund Performance
CIBC Managed Income Portfoio Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management
Date (Day/Month/Year)
Invest in a beneficiary s Individua Savings Account (ISA) Vaid from Apri 2017 Pease compete this form in BLOCK LETTERS and back ink, and return it to: FREEPOST JP MORGAN AM. An address or a stamp is not
CALIFORNIA Key Accounts 100+ Employees Effective January 1, Product Catalog. Plans designed with the needs of employers in mind
CALIFORNIA Key Accounts 100+ Empoyees Effective January 1, 2014 Product Cataog Pans designed with the needs of empoyers in mind Better information. Better decisions. Better heath. UnitedHeathcare is a
Effective: January 1, Monthly rates. for individual & family plans. Rate brochure for Region 16
Effective: January 1, 2018 Monthy rates for individua & famiy pans Rate brochure for Region 16 This brochure has rate information for Bue Shied medica, denta, vision and individua term ife insurance* coverage
3. Property Information and Purpose of Credit. Liens $
Universa Credit Appication (Consumer Residentia Rea Estate) 1. Type of Appication (Check ony one of the four checkboxes; and sign, if joint credit) Individua Credit. If checked, this is an Appication for
Imperial Equity High Income Pool. Interim Management Report of Fund Performance
Imperia Equity High Income Poo Interim Management Report of Fund Performance for the period ended June 30, 2017 A figures are reported in Canadian doars uness otherwise noted This interim management report
Imperial Canadian Bond Pool. Annual Management Report of Fund Performance
Imperia Canadian Bond Poo Annua Management Report of Fund Performance for the financia year ended December 31, 2016 A figures are reported in Canadian doars uness otherwise noted This annua management
Applicant. 2. Type of Requested Credit. l Monthly l Refinance. l Unsecured l To purchase property that will secure your credit
Creditor ("You" means Appicant, et a; and "We" means Creditor) Individua Credit You are reying on your income or assets as we as income or assets from other sources. Appication Date Credit Type Line of
CIBC U.S. Dollar Money Market Fund. Annual Management Report of Fund Performance
CIBC US Doar Money Market Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in US doars uness otherwise noted This annua management report
Voya Financial Compensation Schedule Producer Commissions Voya Life Sales Distribution
Voya Financial Compensation Schedule Producer Commissions Voya Life Sales Distribution General Account Life Products Schedule Date: July 13, 2015 Security Life of Denver Insurance Company ("Company") c/o
Giving That Grows. Legacies That Last.
Giving That Grows. Legacies That Last. Donor Advised Fund Program Description & Appication We make a iving by what we get, we make a ife by what we give. Winston Churchi The Sharing of Vaues: What is Your
Business Owner s Bonus Plan. Producer Guide. For agent/registered representative use only. Not for public distribution.
Business Owner s Bonus Plan Producer Guide For agent/registered representative use only. Not for public distribution. Business Owner s Bonus Plan Producer Guide The Business Owner s Bonus Plan is a personally
LONG-TERM CARE AND CHRONIC ILLNESS RIDER DETAILS
Carrier Name AIG AIG Allianz ANICO Rider Name Accelerated Access Rider Accelerated Access Rider Accelerated Benefit Rider Accelerated Benefit Rider Type of Rider Chronic Illness Chronic Illness Chronic
Lincoln life insurance
Lincoln life insurance Term, universal life and variable universal life product portfolio LIFE SOLUTIONS Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency
Additional Guidance 2018 ex-ante data reporting form. October 2017
Additiona Guidance 2018 ex-ante data reporting form October 2017 The foowing sides compement the definitions and guidance incuded in the Ex-ante Contributions Reporting Form (hereafter Data Reporting Form)
S CORPORATIONS INTRODUCTION AND STUDY OBJECTIVES. In studying the rules of S corporations, the student should have these objectives: STUDY HIGHLIGHTS
H Chapter Eeven H S CORPORATIONS INTRODUCTION AND STUDY OBJECTIVES Certain sma business corporations may eect to be taxed under Subchapter S instead of under the reguar rues for taxation of corporations.
Key features of the Pension
Key features of the Pension Key features of the Pension The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide
Additional Guidance 2019 ex-ante data reporting form. October 2018
Additiona Guidance 2019 ex-ante data reporting form October 2018 The foowing sides compement the definitions and guidance incuded in the Ex-ante Contributions Reporting Form (hereafter Data Reporting Form)
Lincoln life insurance
Lincoln life insurance Term, universal life and variable universal life product portfolio LIFE SOLUTIONS Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency
CIBC Canadian Bond Fund. Annual Management Report of Fund Performance
CIBC Canadian Bond Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management report
CIBC Canadian Equity Fund. Interim Management Report of Fund Performance
Interim Management Report of Fund Performance for the period ended June 30, 2017 A figures are reported in Canadian doars uness otherwise noted This interim management report of fund performance contains
Imperial Canadian Bond Pool. Interim Management Report of Fund Performance
Imperia Canadian Bond Poo Interim Management Report of Fund Performance for the period ended June 30, 2016 A figures are reported in Canadian doars uness otherwise noted This interim management report
Lincoln life insurance portfolio at-a-glance
FOR LIFE Lincoln life insurance portfolio at-a-glance Product Menu The Lincoln National Life Insurance Company Not a deposit Not FDIC-insured May go down in value Not insured by any federal government
CIBC Canadian Equity Fund. Annual Management Report of Fund Performance
CIBC Canadian Equity Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management
Fidelity Freedom Index Income Fund - Institutional Premium Class (FFGZX)
Fideity Freedom Index Income Fund - Institutiona Premium Cass (FFGZX) NTF No Transaction Fee 1 Hypothetica Growth of $10,000 2,3 (10/2/2009-) n Fideity Freedom Index Income Fund - Institutiona Premium
For financial adviser use only. Not approved for use with customers. The Aviva Platform
For financia adviser use ony. Not approved for use with customers. The Aviva Patform Contents Wecome to our guide to the Aviva Patform 4 Due diigence in the patform market 5 Introducing the Aviva Patform
Key Features of Guaranteed Lifelong Protection
Key Features of Guaranteed Lifeong Protection Retirement Investments Insurance Heath Key Features of Guaranteed Lifeong Protection Expaining what s important The Financia Conduct Authority is a financia
Our Team. Reddington Advisory Group
Our Team Reddington Advisory Group Mark J. Reddington, CLU, ChFC Gaetano Sacco Senior Financia Services Executive Financia Panner Financia Services Representative Kevin Zebrowski, JD Erik Scherr Financia
Open Learn Works. Small business responsibilities. Copyright 2015 The Open University
Open Learn Works Sma business responsibiities Copyright 2015 The Open University Contents Introduction 3 Learning Outcomes 4 1 A business owner s responsibiities 5 2 Financia terms 6 2.1 Vaue added tax
Benefits That Count. Colonial Life can help you:
Benefits That Count Coonia Life can hep you: Keep your costs down. Reaize tax savings. Save vauabe administrative time. Improve empoyees understanding and appreciation of their benefits. cooniaife.com
Lincoln life insurance
Lincoln life insurance Term, universal life and variable universal life product portfolio LIFE SOLUTIONS Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency
ACU Your super and voluntary early retirement options when you leave
ACU Your super and vountary eary retirement options when you eave March 2009 February 2008 Important notice The information in this seminar is of a genera nature. It does not take into account your individua
CIBC Managed Aggressive Growth Portfolio. Annual Management Report of Fund Performance
CIBC Managed Aggressive Growth Portfoio Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua
NB Global Floating Rate Income Fund Limited
NB Goba Foating Rate Income Fund Limited March 2011 NB Goba Foating Rate Income Fund Limited Orie Securities Limited Soe Sponsor, Soe Financia Adviser, Joint Goba Co-ordinator and Joint Bookrunner Dexion
Imperial Short-Term Bond Pool. Interim Management Report of Fund Performance
Imperia Short-Term Bond Poo Interim Management Report of Fund Performance for the period ended June 30, 2017 A figures are reported in Canadian doars uness otherwise noted This interim management report
CIBC Global Bond Fund. Annual Management Report of Fund Performance
CIBC Goba Bond Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management report
Executive Benefits for Nonprofit & Tax-Exempt Organizations
Executive Benefits for Nonprofit & Tax-Exempt Organizations Recruit, retain, and reward your top talent with nonqualified retirement or estate planning benefits As a nonprofit or tax-exempt organization,
Aviva Equity Release. A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option
Aviva Equity Reease A guide to our ifetime mortgages Lifestye Lump Sum Max Lifestye Fexibe Option Contents An introduction to equity reease and ifetime mortgages 3 Who might quaify? 4 What you need to
Fifth Industry Dialogue Critical Functions and Access to FMIs:
Fifth Industry Diaogue Critica Functions and Access to FMIs: New Tempates for Resoution Panning Mauro Grande, Board Member Nadège Jassaud, Head of Unit, Strategy & Methodoogy Industry Diaogue, 30 January
Your company pension scheme
Pease take some time to read this guide. It s important you understand what this pension product is, and what the benefits and risks invoved are. Pease keep a copy of this document in a safe pace. If you
Competitive Advantages and Winning Features
REFERENCE GUIDE Competitive Advantages and Winning Features A Quick Reference Guide Highlighting the Competitive Advantages of John Hancock s Life Insurance Portfolio FOR BROKER/DEALER USE ONLY. NOT FOR
Immediate Life Annuity
Immediate Life Annuity Appication Return address Aviva New Business Immediate Life Annuity, PO Box 520, Norwich, NR1 3WG For adviser use ony Preferred method of contact (*) Your name Your teephone number
CIBC Asia Pacific Fund. Interim Management Report of Fund Performance
CIBC Asia Pacific Fund Interim Management Report of Fund Performance for the period ended June 30, 2017 A figures are reported in Canadian doars uness otherwise noted This interim management report of
Your fund selection. Retirement Investments Insurance Health
Your fund seection Retirement Investments Insurance Heath Wecome The purpose of this guide is to hep you understand the types of funds avaiabe under your pension, bond, endowment or other Aviva Life products
LTC AND CHRONIC ILLNESS RIDER DETAILS
AIG AIG Allianz ANICO Assurity Life Accelerated Access Rider Accelerated Access Rider LTC Accelerated Benefit Rider Accelerated Benefit Rider Accelerated DB - LTC/Home Care Option Chronic/Critical Chronic/Critical
Fidelity Freedom Index 2005 Fund - Investor Class (FJIFX)
Aocation Fideity Freedom Index 2005 Fund - Investor Cass (FJIFX) Hypothetica Growth of $10,000 1,2 (10/2/2009-) n Fideity Freedom Index 2005 Fund - Investor Cass $15,353 n Target-Date 2000-2010 $16,178
LTC AND CHRONIC ILLNESS RIDER DETAILS
Carrier Name AIG AIG Allianz ANICO Accelerated Access Rider Accelerated Access Rider LTC Accelerated Benefit Rider Accelerated Benefit Rider Chronic/Critical Chronic/Critical LTC Chronic / Critical Illness
NFP Carriers Present: Hot Sales Ideas Part 2
NFP Carriers Present: Hot Sales Ideas Part 2 Moderated By: Stephanie Ahr Manager, Product Marketing NFP Prudential: Seven Sales Ideas in Seven Minutes Presented By: Rich Brugger VP, Individual Life Insurance,
ASSET CLASS INSTRUMENTS DEFINITION
Note: The information beow represents exampes of instruments that can be processed through the use of, CTM TM, OASYS TM, TradeSuite ID TM and. Equity Ownership interest in a corporation in the form of
MANAGING YOUR CASH IN RETIREMENT
MANAGING YOUR CASH IN RETIREMENT First Mortgage Trust Group Investment Fund & First Mortgage PIE Trust Managing Your Cash in Retirement Now you have reached retirement age, it's time to reax and enjoy
NOTICE CONCERNING EXTENSIONS OF CREDIT DEFINED BY SECTION 50(A)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION:
NOTICE CONCERNING ETENSIONS OF CREDIT DEFINED BY SECTION 50(A)(6), ARTICLE VI, OF THE TEAS CONSTITUTION: SECTION 50(a)(6), ARTICLE VI, OF THE TEAS CONSTITUTION ALLOWS CERTAIN LOANS TO BE SECURED AGAINST
YOUR. Medicare OPTIONS. What you need to know as a NEW Medicare Beneficiary. H0062_18_4251BROC Accepted
YOUR Medicare OPTIONS What you need to know as a NEW Medicare Beneficiary H0062_18_4251BROC Accepted 10232017 Important choices can be simpe choices. Let us hep. This guide wi give you a soid foundation
THIS PAGE IS INTENTIONALLY LEFT BLANK. * *
imfmoore_afsa-ks-cancer AFSA-endorsed Insurance Pans P.O. BOX 14464 Des Moines, IA 50306-9468 Dear, You may have heard that buying coverage for a specific disease isn't a good vaue. That's trueif you're
Consumer Guide. Variable Universal Life Insurance. Issued by Security Life of Denver Insurance Company.
Consumer Guide Variable Universal Life Insurance Issued by Security Life of Denver Insurance Company. Introduction This guide offers helpful information about variable universal life (VUL) insurance features
Products. At-A-Glance. For Producer or Broker/Dealer Use Only. Not for Public Distribution.
Life Insurance Products At-A-Glance Guaranteed Level Term 0, 5, 0, 0 Years MetLife One Year Term SM Base Policy Base Policy with the Convertible and Renewable Options Rider Risk Class / Issue Age > Elite
Group Income Protection Flexible Benefits
Group Income Protection Fexibe Benefits Technica Guide Aviva By choosing Aviva, part of the UK s argest insurance group, you benefit from our financia strength. Together with miions of customers wordwide
All Companies - All Products
Selected Features:, Accordia Life - Accordia Term Convertible to any permanent plan of insurance offered by the company without evidence of insurability, in the level term period or to age 75, if earlier.
Levels of diversification
Muti-Asset (MA) Bended Funds Leves of diversification Past performance is not a guide to future performance. 2. Leves of diversification What are eves of diversification? At Architas we beieve that diversification
Your fund selection. Retirement Investments Insurance Health
Your fund seection Retirement Investments Insurance Heath Wecome The purpose of this guide is to hep you understand the types of funds avaiabe under your pension, bond, endowment or other Aviva Life products
Levels of diversification
Muti-Asset (MA) Bended Funds Leves of diversification Past performance is not a guide to future performance. Leves of diversification What are eves of diversification? At Architas we beieve that diversification
Index. Lincoln s Term Conversion Product Options for New Business LIFE INSURANCE. September 12, 2016 Vol. 14, Issue 17
September 12, 2016 Vol. 14, Issue 17 LIFE INSURANCE Lincoln s Term Conversion Product Options for New Business The recently announced Term Conversion changes support our ability to continue to offer a
SilverScript Employer PDP sponsored by Pfizer (SilverScript) Annual Notice of Changes for 2019
P.O. Box 30006, Pittsburgh, PA 15222-0330 SiverScript Empoyer PDP sponsored by Pfizer (SiverScript) Annua Notice of Changes for 2019 You are currenty enroed as a member of SiverScript. Next year, there
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
At a Glance A Quick Overview of Our Complete Product Line 221NM FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 11-18 AT A GLANCE: THE QUICK WAY TO GET AN OVERVIEW OF NORTH AMERICAN
Your priorities. Their future. Voya Indexed Universal Life Protector Issued by Security Life of Denver Insurance Company
Your priorities. Their future. Voya Indexed Universal Life Protector Issued by Security Life of Denver Insurance Company Voya Indexed Universal Life Protector NY Issued by Reliastar Life Insurance Company
Ratio Analysis 107. Part II Management & Cost Accounting
Ratio Anaysis 107 Part II Management & Cost Accounting Ratio Anaysis 109 Chapter 4 Ratio Anaysis LEARNING OBJECTIVES In this chapter we wi study: Introduction Concept of Ratio Types of Ratios Measurement
Universal Life Product Description
Universal Life Product Description Product Description: (2011) is a single life universal life product with Indexed Options. It was designed for clients looking for permanent life insurance with the potential
CIBC Global Technology Fund. Annual Management Report of Fund Performance
CIBC Goba Technoogy Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2017 A figures are reported in Canadian doars uness otherwise noted This annua management report
a guide for producers
variable universal life insurance a guide for producers Life Insurance: Is Not a Deposit of Any Bank Is Not FDIC Insured Is Not Insured by Any Federal Government Agency Is Not Guaranteed by Any Bank or
Article III The Depositor s interest in the balance in the Custodial account is non forfeitable.
Form 5305-RA Roth Individua Retirement Custodia Account (Rev. March 2002) Department of the Treasury (Under Section 408(a) of the Interna Revenue Code) Interna Revenue Service The individua whose name
Ameritas Life. Preferred Non Tobacco Preferred Plus Preferred Nontobacco Preferred NT. Standard Tobacco Ages Ages 20-90
Product AG Secure Survivor GUL II Excel LifeValue SUL Athena SUL IV lassifications Preferred Plus NT Standard n Tobacco Standard Tobacco Ages 20-80 Ages 20-90 Preferred n Tobacco Preferred Plus Preferred
BENEFITACCESS RIDER (BAR) HIGHLIGHTS
Access Rider vs. Other Chronic Illness and/or Terminal Illness Riders CHARTS Click on number to jump to desired information. Many prominent carriers offer products that provide death benefit and chronic
The Smart Way to Manage Your Travel Money Welcome
The Smart Way to Manage Your Trave Money n - Card design 5384 Wecome WELCOME TO THE WESTERN UNION SM TRAVELWISE TM CARD Thank you! Let s stick together Let s get you started We re so peased you decided
Current Interest Rate. Guar. Interest Rate. Cash Value Test Used
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 A B C D E F G H I J Survivorship Universal Life Insurance Illustrated Values (on 05/01/12) Male
Executive Benefits. Recruit, Retain and Reward Your Top Talent
Executive Benefits Recruit, Retain and Reward Your Top Talent Executive Benefits Recruit, Retain and Reward Your Top Talent Are you being faced with increased competition for talented key executives? In
Renaissance International Dividend Fund. Interim Management Report of Fund Performance
Renaissance Internationa Dividend Fund Interim Management Report of Fund Performance for the period ended February 28, 2018 A figures are reported in Canadian doars uness otherwise noted This interim management
Flexible Benefits for Group Income Protection. Policy Wording
Fexibe Benefits for Group Income Protection Poicy Wording Wecome to Group Risk from Aviva What the poicy wording expains This poicy wording tes you: what to do if you need to caim what is covered expanations
Fidelity MultiManager Cash Fund
Fideity MutiManager Cash Fund Ongoing Offer: Issue of units at appicabe NAV pus appicabe entry oad, if any. This Key Information Memorandum (KIM) sets forth the information, which a prospective investor
Principles and Practices of Financial Management (PPFM)
Principes and Practices of Financia Management (PPFM) for Aviva Life & Pensions UK Limited Od With-Profits Sub-Fund and New With-Profits Sub-Fund (Aviva Life & Pensions UK Limited Od WPSF and New WPSF)
50, 000[ v(0.03) v (1 0.03)0.07 v (1 0.03)(1 0.07)0.1]
![50, 000[ v(0.03) v (1 0.03)0.07 v (1 0.03)(1 0.07)0.1]](/thumbs/91/105195407.jpg "50, 000[ v(0.03) v (1 0.03)0.07 v (1 0.03)(1 0.07)0.1]")
. Kevin, (5), purchases a fuy curtate three year term insurance with a death benefit of 5,. Kevin s mortaity is epected to foow the foowing one year seect and utimate tabe: [] q [ ] q 49..4 5 5.3.7 5 5.5.