$123, Your Retirement Plan. Your Account At A Glance

Size: px
Start display at page:

Download "$123, Your Retirement Plan. Your Account At A Glance"

Transcription

1 ABC Sample Company PO Box 368 Anywhere IN Your Total Account Value 123 ANY STREET ANYWHERE IN Your Account At A Glance 09/18/2013 Managing Your Account AUL's Retirement Services Division offers our customers 24-hour account management capabilities. These tools allow you to view your investment option information, change your investment elections, transfer your balances between investments, update your personal information and much more. Your account can be accessed through the website and/or the toll-free interactive voice response system listed below. Your Contributions Company Contributions Other Additions Loan Payments Distributions/Other Deductions Investment Gain/Loss 12/18/2013 $61, $1, $ $11, $ $12, $59, Visit us online at Participant Service Center Plan Number G00004 Total Vested Account Value Personal Performance of Your Retirement Account* Social Security Number *******7789 Date of Entry 01/01/2001 During This Period 16.03% During the Past 12 Months 48.64% * These rates are based on all monies received by AUL. Preparing for Retirement We have assigned new identification characters to our investment options, moving from a two character ID to a four character ID, when applicable. The investment option has not changed, only the ID as it appears in the applicable performance pages. Participant investments are made into the AUL separate account, not directly into the mutual fund. Source of Account Dollars 401(k) Deferral $27, Employer Match $44, Roth Deferral $38, Previous Service/QNEC Total Account Value $13, Information About Your Plan In recent years the very nature of retirement has evolved into something even more indefinite. For many people, work will continue even after retirement begins. According to the 2013 Retirement Confidence Survey conducted by the Employee Benefits Research Institute and Mathew Greenwald & Associates, 69% of workers say they plan to work for pay after they retire. This could be to supplement other income sources or perhaps to stay mentally engaged. Some have even decided to start a completely new career in retirement. Think about what you want to do in retirement. Work? Volunteer? Once you determine what your retirement will look like, you can take action to help get there. AUL..*01100* ALPAUL01.QVAPAUL Page 1 of 6

2 Allocation of Current Dollars 0.88% 3.61% 4.45% 19.25% 2.78% 5.35% 8.07% 55.61% Your Future Contributions 2.00% 4.00% 4.00% 49.00% 7.00% 14.00% 20.00% Fee Deductions The following information shows the plan-related fees and expenses deducted from your account for the identified services during this period. A description of services can be found in the glossary at /investmentglossary. Loan Initiation Fee -$75.00 Summary of Your Investments Asset Class/ Investment Name / Internal ID 09/18/2013 Contributions/ Loan Repayments/ Other Additions Transfers In/Out Investment Gain/Loss Distributions/ Other Deductions 12/18/2013 $ AUL Fixed Account / FIXD $1, $55.95 $43.37 $7.13 -$ $ $4, PIMCO Real Return Adm / PRRO $0.00 $27.97 $9.97 $2, $ $2, PIMCO Total Return Adm / PMPR $0.00 $83.82 $30.08 $1, $ $1, $4, Prudential High-Yield Z / PAZZ $0.00 $ $35.66 $5, $ $4, $21, AmerCent Eqty Inc Inv / AEI2 $0.00 $ $31.27 $4, $ $3, MFS Val A / MFV2 $0.00 $ $59.43 $3, $ $2, Fidelity VIP ContraFd Inst / HOPP $0.00 $ $29.54 $10, $2, $8, Calvert Equity A / CSE2 $0.00 $ $48.01 $3, $ $2, Fidelity VIP Grth Inst / HEQU $0.00 $ $44.74 $4, $1, $4, $3, Invesco SmCap Grth A / ASG2 $0.00 $ $1.21 $1, $ $1, Vanguard VIF SmallCompGrth Ins / VSG2 $0.00 $ $26.27 $2, $ $1, $5, Fidelity VIP Overseas Inst / HINL $0.00 $ $67.06 $7, $1, $5, $8, AmerFds Cap World Grth&Inc R4 / AFWG $0.00 $ $18.74 $4, $ $3, Oppenheimer Global Fd N / OGF2 $0.00 $ $55.17 $6, $1, $5, $62, Ameritrade Account / HDXX* $60, $0.00 $0.00 $1, $12.50 $62, * AUL's reporting of the Ameritrade Account may lag the actual value by up to two business days. For current balance, please contact TD AMERITRADE at AUL..*01100* ALPAUL01.QVAPAUL Page 2 of 6

3 Summary of Your Investments (continued) Asset Class/ Investment Name / Internal ID 09/18/2013 Contributions/ Loan Repayments/ Other Additions Transfers In/Out Investment Gain/Loss Distributions/ Other Deductions 12/18/2013 Loan Fund / LOAN $0.00 $0.00 $11, $59.92 $0.00 $11, Total $61, $2, $11, $59, $12, Note: Returns are historical and past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. The investment return and principal value of the investment accounts will fluctuate, so that a participant's units when redeemed may be worth more or less than their original cost when redeemed. Note: Annualized total return figures shown are net of the ordinary operating expenses for each fund, but may not reflect a deduction for any contract related charges and fees such as mortality & expense risk charges, administrative expenses, premium tax charges, maintenance fees or other expenses that might be incurred under a group variable annuity contract. If included in these total return figures, any such charges would lower the performance shown. For a complete description of the charges, expenses or fees that apply to your contract, please contact your Employer or Plan Administrator. For a more complete description of the performance calculation and other important information, write to OneAmerica Securities, Inc., 433 N. Capitol Ave., Indianapolis, IN 46204, Note: The current percentage reduction for recurring expense (e.g. investment advisory fees and ordinary operating expenses, administrative charges, mortality and expense risk charges) within your AUL contract is 0.10 %. Annualized Performance as of November 30, 2013 Future Contribution Direction Investment Name / Internal ID Investment Type Expense Ratio 2.00% AUL Fixed Account/FIXD New Contributions will receive 3.00% The weighted average rate of interest on the AUL Fixed Fund balance as of 11/30/2013 is 3.00% Year-to- Date 1 Year 3 Years 5 Years 10 Years or Inception Inv Opt Inception Thornburg Ltd-Term Inc R3/TLTI Short Term Bond 0.99% 0.20% 0.34% 3.79% 7.37% 4.48% 10/01/ % PIMCO Real Return Adm/PRRO Inflation Protected B 0.70% -7.64% -8.08% 3.29% 8.70% 5.17% 04/28/2000 Calvert Inc A/CTI2 Int Term Bond 1.30% -0.74% -0.57% 3.60% 6.93% 4.02% 10/12/1982 Janus Asp Flexible Bond Inst/JFI2 Int Term Bond 0.55% 0.05% 0.10% 4.78% 8.09% 6.04% 09/13/1993 OneAmerica Inv Grade Bond O/BBON Int Term Bond 0.63% -1.77% -1.89% 2.90% 6.98% 4.84% 04/12/ % PIMCO Total Return Adm/PMPR Int Term Bond 0.71% -1.12% -0.90% 4.00% 7.67% 6.01% 09/08/ % Prudential High-Yield Z/PAZZ High Yield Bond 0.62% 6.61% 8.14% 9.34% 17.50% 8.34% 03/01/1996 AmerCent AllocCon Inv/ASC2 1.00% 9.23% 9.74% 8.38% 9.87% 5.78% 02/15/1996 AmerCent Strat Alloc Agrsv Inv/ASA2 1.21% 17.86% 19.58% 11.74% 14.83% 7.55% 02/15/1996 AmerCent Strat Alloc: Mod Inv/ASM2 1.07% 14.19% 15.44% 10.46% 12.81% 6.95% 02/15/ % AmerCent Eqty Inc Inv/AEI2 Large Cap Value 0.94% 18.26% 19.15% 12.99% 12.61% 7.45% 08/01/1994 AmerCent Inc & Grth Inv/TIG2 Large Cap Value 0.68% 32.73% 34.09% 18.61% 16.96% 7.09% 12/17/ % MFS Val A/MFV2 Large Cap Value 0.96% 32.37% 33.96% 17.98% 16.48% 8.78% 01/02/1996 OneAmerica Val O/BEQU Large Cap Value 0.58% 28.51% 30.66% 14.96% 17.47% 7.30% 04/12/1990 AUL..*01200* ALPAUL01.QVAPAUL Page 3 of 6

4 Annualized Performance as of November 30, 2013 (continued) Future Contribution Direction Investment Name / Internal ID Investment Type Expense Ratio Year-to- Date 1 Year 3 Years 5 Years 10 Years or Inception Inv Opt Inception TRowePrice Eqty Inc Ins/TRP2 Large Cap Value 0.85% 27.17% 29.53% 17.02% 16.97% 7.79% 03/31/ % Fidelity VIP ContraFd Inst/HOPP Large Cap Blend 0.64% 27.69% 28.45% 15.94% 18.74% 9.07% 01/03/1995 Touchstone Focused Y/TFFY Large Cap Blend 0.97% 34.93% 38.88% 20.83% 19.47% 9.73% 02/12/1999 Alger LgCap Grth Port I-2/AAG2 Large Cap Growth 0.87% 29.92% 30.40% 14.42% 19.30% 6.93% 01/09/1989 AmerCent Ultra Inv/TULT Large Cap Growth 0.99% 32.49% 32.44% 17.22% 19.57% 6.54% 11/02/1981 AmerFds Grth Fd of America R4/AFGT Large Cap Growth 0.69% 29.94% 31.79% 16.58% 18.19% 8.41% 05/28/ % Calvert Equity A/CSE2 Large Cap Growth 1.22% 26.85% 27.82% 14.42% 17.71% 7.10% 08/24/ % Fidelity VIP Grth Inst/HEQU Large Cap Growth 0.66% 32.03% 31.50% 17.34% 19.55% 6.78% 10/09/1986 GoldmanSachs MidCap Val Inst/GSMV Mid Cap Value 0.75% 29.63% 32.87% 15.76% 20.03% 10.32% 08/01/1995 Janus Asp Perkins MidCap Val S/JAMV Mid Cap Value 0.83% 23.68% 26.42% 12.26% 16.23% 8.74% 12/31/2002 Fidelity Adv Lev Comp Stock A/FALS Mid Cap Blend 1.11% 32.78% 38.25% 18.92% 26.19% 11.27% 12/27/2000 Invesco MidCap Core Eqty A/AME2 Mid Cap Blend 1.20% 26.25% 28.93% 11.17% 14.42% 7.81% 06/09/1987 Lord Abbett Val Ops A/LAVO Mid Cap Blend 1.31% 32.00% 35.10% 14.44% 19.17% 10.65% 12/30/2005 SSgA S&P MidCap 400 Indx A/SS4N Mid Cap Blend 0.70% 29.10% 31.87% 16.26% 21.76% 9.34% 10/01/1997 AmerCent Heritage A/ACHA Mid Cap Growth 1.26% 28.08% 28.93% 12.77% 20.13% 11.25% 07/11/1997 Invesco Mid Cap Growth A/IMCA Mid Cap Growth 1.15% 32.23% 34.34% 12.62% 22.93% 10.41% 12/27/1995 Pioneer Sel Mid Cap Growth VCT/SRG2 Mid Cap Growth 0.74% 37.03% 38.41% 15.44% 22.23% 7.90% 01/07/1993 AmerCent SmCap Val Inv/ASV2 Small Cap Value 1.42% 31.42% 36.40% 15.90% 21.84% 10.55% 07/31/1998 DWS Small Cap Value S/DWVS Small Cap Value 1.03% 31.79% 36.26% 13.41% 17.57% 7.69% 05/22/ % Invesco SmCap Grth A/ASG2 Small Cap Growth 1.23% 35.67% 38.17% 19.50% 23.01% 9.16% 10/18/ % Vanguard VIF SmallCompGrth Ins/VSG2 Small Cap Growth 0.44% 42.02% 46.10% 21.08% 26.08% 9.95% 06/03/1996 MFS Intl New Discovery A/MID2 Foreign Sm/Mid Growth 1.39% 16.35% 20.43% 12.17% 20.28% 11.10% 10/09/1997 TRowePrice Intl Grth&Inc Adv/TRPI Foreign Value 1.10% 19.82% 24.57% 9.99% 14.85% 7.53% 09/30/ % Fidelity VIP Overseas Inst/HINL Foreign Blend 0.85% 25.98% 30.23% 10.68% 14.14% 7.16% 01/28/ % AmerFds Cap World Grth&Inc R4/AFWG World Stock 0.80% 22.21% 24.62% 12.74% 15.21% 9.39% 06/27/ % Oppenheimer Global Fd N/OGF2 World Stock 1.55% 23.18% 27.06% 12.98% 18.19% 8.29% 03/01/2001 Oppenheimer Gold & Spcl Min A/OGSM 1.20% % % % 4.13% 3.30% 07/19/1983 Prudential Financial Svcs Z/DDFZ 1.11% 27.61% 35.20% 14.48% 25.78% 11.02% 06/30/1999 Prudential Jenn Natural Recs Z/JNRZ 0.89% 9.01% 11.33% -1.60% 14.22% 13.05% 09/13/1996 Fidelity Adv Freedom 2020 Fd A/FT20 Mgd Asset Allocation 0.89% 11.05% 11.92% 8.59% 13.19% 5.64% 07/24/2003 Fidelity Adv Freedom 2030 Fd A/FT30 Mgd Asset Allocation 0.96% 14.84% 16.09% 10.12% 14.55% 5.85% 07/24/2003 Fidelity Adv Freedom 2040 Fd A/FI40 Mgd Asset Allocation 1.01% 17.63% 19.13% 11.03% 15.40% 6.10% 07/24/2003 Ameritrade Account/HDXX Broker Fund N/A N/A N/A N/A N/A See Additional Information about Your Investment Options. AUL..*01200* ALPAUL01.QVAPAUL Page 4 of 6

5 Loan Summary Loan ID Origination Date Total Amount of Loan Interest Rate Loan Balance on 09/18/2013 Principal Paid This Period Interest Paid This Period Loan Balance on 12/18/2013 Loan 1 09/24/2013 $12, % N/A $65.74 $59.92 $11, The loan balance amount includes the outstanding loan principal plus unpaid finance charge. Additional Information About Your Investment Options Any performance reported before AUL first offered an investment account is hypothetical and was calculated by adjusting the underlying fund's performance by current applicable contract charges. Unit values given in this statement are based on net asset values provided by the funds and are not independently verified by AUL. If AUL receives inaccurate information, the unit value may be affected accordingly. If an error is subsequently discovered by any fund and reported to AUL, a participant's account will be recalculated to reflect the correct fund value, provided that the error was material under federal securities laws. Asset Class and Investment Option Specific Disclosures Bond funds have the same interest rate, inflation and credit risks associated with the individual securities owned by the fund. An investment in high yield securities may be subject to more credit risks than higher quality securities. The use of asset allocation does not guarantee returns or insulate you from potential losses and diversification does not assure a profit and does not guarantee against loss in a declining market. Micro-, Small- and Mid-Cap company stocks are more volatile than large company stocks. There are additional risks associated with international investing, such as currency fluctuations, economic and political factors, etc. not associated with investing exclusively in the U.S. Sector funds may experience greater short-term price volatility than more diversified equity funds, and are most suitable for the aggressive portion of an investment portfolio. Target Date Funds are designed for people who plan to retire and begin taking withdrawals during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments; the funds will shift assets from equities to fixed-income investments over time. As a result, the funds become more conservative over time as you approach retirement. It's important to remember that no strategy can assure a profit or prevent a loss in a declining market and the principal value of the Target Date Funds is not guaranteed at any time, including the target date. Target Date Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. The principal amounts invested in these funds are not guaranteed at any point and may lose value. Investors cannot invest directly in any index. AUL Specific Disclosures The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit, or protect against loss in a declining market. Non-registered group variable annuity contracts are issued by American United Life Insurance Company (AUL), One American Squarendianapolis, IN , Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Participants invest in AUL separate accounts, which in turn invest in underlying funds. Plan participants own units of an AUL separate account, not shares of any underlying fund. If the Plan permits and the participant invests in assets not specifically reported on the quarterly statements provided by AUL, the participant will receive more than one statement detailing the investments in the plan within a reasonable amount of time after the end of each quarter. Examples of these types of assets include self-directed brokerage accounts, real estate, life insurance, or assets with another vendor. AUL..*01300* ALPAUL01.QVAPAUL Page 5 of 6

6 Additional Information (continued) AUL receives revenue from the investment management companies that provide the underlying investments. This revenue can be in the form of 12-b(1) fees, Sub T-A Fees, Shareholder Service Fees or other types of fees. This revenue offsets AUL's expense related to the services it provides under and in connection with the group annuity contract(s) that serves as the funding vehicle(s) for a retirement plan. If the AUL administrative services agreements so provides, AUL will credit a portion of its revenue to an account that can be used to pay Plan administrative expenses. Pension Protection Act (PPA) Specific Disclosures The vested account balance shown here is based on information currently available. Your actual vested account balance at the time of a distribution may differ based on information provided by your employer at that time. If your vested account balance was not provided on this statement, you should contact your Plan Administrator. To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well often cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement portfolio in any one company or industry, your accounts may not be properly diversified. The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market. In deciding how to invest your retirement portfolio, you should take into account all of your assets, including any retirement accounts outside of the Plan. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment objectives, and the investment options under the Plan to help verify that your retirement portfolio is on target to meet your retirement goals. The internet website of the Department of Labor can provide you with useful information on individual investing and diversification. The internet address for the DOL is Please contact your Plan Administrator to determine if any Participant Direction Procedures have been established that may limit or restrict your right to direct investments. You may also reference the individual prospectus of each of your investment choices to determine if any restrictions are applicable. Your plan may be an "integrated" plan, which means that your employer's contribution will be different for compensation that is above a predetermined amount stated in the plan. You should review the Summary Plan Description to see if the plan is integrated, and if so, what the predetermined amount is. Often, that amount is the "taxable wage base". The taxable wage base is the maximum amount of wages that are considered for Social Security purposes and is adjusted each calendar year. The taxable wage base for the current year may be found on AUL..*01300* ALPAUL01.QVAPAUL Page 6 of 6

Plan review. for Mesa Developmental Services. Plan G /31/2013 AUL RETIREMENT SERVICES AMERICAN UNITED LIFE INSURANCE COMPANY

Plan review. for Mesa Developmental Services. Plan G /31/2013 AUL RETIREMENT SERVICES AMERICAN UNITED LIFE INSURANCE COMPANY AUL RETIREMENT SERVICES Plan review for Mesa Developmental Services Plan G62262 1/31/213 Client Svcs Regional Manager Ty Berry OneAmerica 811 E Prentice Ave #825 Englewood, CO. 8111 Products and financial

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 The Best of America V Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Invest in your future

Invest in your future Investment choices performance report April 30, 2018 Nationwide Destination SM B Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Nationwide Destination SM All American Gold 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

Fund Family Prospectuses

Fund Family Prospectuses Fund Family Prospectuses Click on the fund family to see a list of current funds and download prospectuses. Alger AllianceBernstein Allianz American Century American Funds Ariel Mutual Funds Calvert Group

More information

Invest in your future

Invest in your future Investment choices performance report March 31, 2018 The Best of America America s VISION Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Taking action toward your financial future. Participate in your retirement plan

Taking action toward your financial future. Participate in your retirement plan Taking action toward your financial future Participate in your retirement plan GETTING STARTED Beacon Light Behavioral Health Systems Retirement Plan G75786 3 STEPS TO RETIREMENT PREPARATION For educational

More information

ABC 401(k) Plan Contract Number: Plan ID: Jane Doe

ABC 401(k) Plan Contract Number: Plan ID: Jane Doe ABC 401(k) Plan Sample. For illustrative purposes only. Page 1 of 6 Account Summary Jan 1 Mar 31 Plan Year to Date Beginning Balance XX,XXX.XX XX,XXX.XX Reductions Fees (XX.XX) (XX.XX) Subtotal of Reductions

More information

PERFORMANCE Funded by a Group Variable Annuity

PERFORMANCE Funded by a Group Variable Annuity PAST IS NOT INDICATIVE OF FUTURE RESULTS. Total return includes capital appreciation (depreciation), realized gains (losses), plus dividend or interest income. The investment return and principal value

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 Nationwide Destination SM L 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Invest in your future

Invest in your future Investment choices performance report August 31, 2018 Nationwide Destination SM Navigator 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Participate in your retirement plan FOR PREVIEW ONLY

Participate in your retirement plan FOR PREVIEW ONLY Take action toward Participate in your retirement plan S Educators Retirement Savings Plan G37616 3 STEPS TO RETIREMENT PREPARATION For educational use only. PRODUCTS AND FINANCIAL SERVICES PROVIDED BY

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 Nationwide Destination SM B 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Nationwide Destination SM L Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Fund Family Prospectuses

Fund Family Prospectuses Fund Family Prospectuses Click on the fund family to see a list of current funds and download prospectuses. Alger AllianceBernstein Allianz American Century Investments American Funds Ariel Mutual Funds

More information

Investment Option Summary - January 1, 2015 to March 31, 2015

Investment Option Summary - January 1, 2015 to March 31, 2015 CITY Entity: 0000000 January 1, 2015 - March 31, 2015 0 MAIN ST ANYTOWN CA 90000-0000 Please review your statement carefully. Corrections may not be accepted more than 45 days after the closing date of

More information

Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018

Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018 Schwab OneSource Choice - Return of Premium Death Benefit - 90008-0 Investment Performance as of /0/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company OPPORTUNITY PLUS Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge Average Annual Total

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 Nationwide Destination Freedom + SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Schwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018

Schwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018 Schwab OneSource Variable Annuity New York - 9000609-06 Investment Performance as of 2//208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past

More information

Invest in your future

Invest in your future Investment choices performance report July 31, 2015 The Best of America Achiever Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Dallas County Deferred Compensation Plan

Dallas County Deferred Compensation Plan Dallas County, TX Investment Performance Report Your employer s deferred compensation plan has established an unregistered group annuity as the way participants can invest their tax-deferred contributions

More information

Investment choices performance report. June 30, The Best of America America s FUTURE Annuity II. Look to your future

Investment choices performance report. June 30, The Best of America America s FUTURE Annuity II. Look to your future Investment choices performance report June 30, 2014 The Best of America America s FUTURE Annuity II Look to your future When you have questions we have answers. Nationwide wants you to look to your future.

More information

Investment choices performance report. August 31, The Best of America Achiever Annuity. Look to your future

Investment choices performance report. August 31, The Best of America Achiever Annuity. Look to your future Investment choices performance report August 31, 2014 The Best of America Achiever Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When

More information

Invest in your future

Invest in your future Investment choices performance report June 30, 2018 Nationwide Destination SM EV Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Invest in your future

Invest in your future Investment choices performance report March 31, 2018 Nationwide Destination SM Architect 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Future Corporate VUL SM Monthly Performance as of September 28, 2018

Future Corporate VUL SM Monthly Performance as of September 28, 2018 Future Corporate VUL SM Form: FCVUL-4 NWL (m) 9/28/18 Page 1 of 19 Understanding Risks The following items outline some of the risks with the investment choices. For specific risks related to each investment,

More information

Enrollment Overview. for SoutheastHEALTH Retirement Plan. Prepare for the next chapter in life

Enrollment Overview. for SoutheastHEALTH Retirement Plan. Prepare for the next chapter in life Prepare for the next chapter in life The Difference is How You re Treated More information available at www.sehealthretirement.com Enrollment Overview for SoutheastHEALTH Retirement Plan Products and financial

More information

Invest in your future

Invest in your future Investment choices performance report June 30, 2018 Nationwide Marathon SM Performance VUL Invest in your future Answers to frequently asked questions. What you should know about purchasing variable life

More information

Investment Option Monitor Report

Investment Option Monitor Report NEA Member Benefits is pleased to provide you with the following NEA Retirement Monitor Status Report. We provide this report to help you more easily review the performance of the underlying investment

More information

Commonwealth Variable Annuity Plus a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth Variable Annuity Plus a variable annuity issued by Genworth Life and Annuity Insurance Company as of August 31, 2018 Commonwealth Variable Annuity Plus (includes Mitchell contracts) 13761 09/01/18 (expires 10/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 8 IMPORTANT INFORMATION

More information

FPVUL Flexible Premium Adjustable Variable Life

FPVUL Flexible Premium Adjustable Variable Life Prospectus for FPVUL Flexible Premium Adjustable Variable Life Products and financial services provided by: American United Life Insurance Company a OneAmerica company P.O. Box 368, Indianapolis, Indiana

More information

TO FOCUS ON RETIREMENT

TO FOCUS ON RETIREMENT The Right Time TO FOCUS ON RETIREMENT Equian LLC Retirement Savings Plan Enrollment Overview REVERSED HEADLINE PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 The Best of America All American Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Invest in your future

Invest in your future Investment choices performance report April 30, 2018 Nationwide Variable Universal Life (VUL) Accumulator Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

Investment Option Fund Expenses

Investment Option Fund Expenses Option Fund s s and expenses are as of 9/30/18. All Portfolios are not available in all products. (1) (2) (3) (4) (5) (6) (7) (8) s AB VPS Dynamic Asset Allocation Portfolio 6 B 0.70% 0.25% 0.13% 1.08%

More information

Commonwealth Variable Annuity NY a variable annuity issued by Genworth Life Insurance Company of New York

Commonwealth Variable Annuity NY a variable annuity issued by Genworth Life Insurance Company of New York as of September 30, 2018 Commonwealth Variable Annuity NY 14608 10/01/18 (expires 11/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 8 IMPORTANT INFORMATION The following information

More information

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of May 31, 2018 Commonwealth Extra 15608 06/01/18 (expires 07/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed to help

More information

Investment choices performance report. January 31, The Best of America Achiever Annuity. Look to your future

Investment choices performance report. January 31, The Best of America Achiever Annuity. Look to your future Investment choices performance report January 31, 2010 The Best of America Achiever Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When

More information

Investment choices performance report. January 31, The Best of America Future Venue Annuity. Look to your future

Investment choices performance report. January 31, The Best of America Future Venue Annuity. Look to your future Investment choices performance report January 31, 2010 The Best of America Future Venue Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future.

More information

TEXAS A&M UNIVERSITY ORP

TEXAS A&M UNIVERSITY ORP P E R F O R M A N C E U P D A T E TEXAS A&M UNIVERSITY ORP Average Annual Total Returns as of: 03/31/2019 (shown in percentages) Variable annuities and mutual funds offered through a retirement plan are

More information

Investment Option Summary - July 1, 2015 to September 30, 2015

Investment Option Summary - July 1, 2015 to September 30, 2015 CARROLLTON TX Entity: 0037134 July 1, 2015 - September 30, 2015 JULIA SYKES BENEFITS COORDINATOR PO BOX 110535 CARROLLTON TX 75011-0535 Please review your statement carefully. Corrections may not be accepted

More information

Total Return Calendar Qtr³. Total Return 1 Mo¹. Total Return 3 Mo²

Total Return Calendar Qtr³. Total Return 1 Mo¹. Total Return 3 Mo² *The recordkeeping fee is compensation for administering, reporting and maintaining a history of IRA owner activities. Management services are not provided and no management fee is charged. Visit our website

More information

Total Return Calendar Qtr³. Total Return 3 Mo². Total Return 1 Mo¹. Total Return YTD⁴

Total Return Calendar Qtr³. Total Return 3 Mo². Total Return 1 Mo¹. Total Return YTD⁴ *The recordkeeping fee is compensation for administering, reporting and maintaining a history of IRA owner activities. Management services are not provided and no management fee is charged. The EWC is

More information

Investment Option Fund Expenses

Investment Option Fund Expenses Investment Option Fund s Fees and expenses are as of 5/31/18. All Portfolios are not available in all products. (1) (2) (3) (4) (5) (6) (7) (8) Investment Options Share Class Investment Management Fee

More information

Investment choices performance report. January 31, The Best of America Next Generation FPVUL. Look to your future

Investment choices performance report. January 31, The Best of America Next Generation FPVUL. Look to your future Investment choices performance report January 31, 2010 The Best of America Next Generation FPVUL Look to your future When you have questions we have answers. Nationwide wants you to look to your future

More information

ForeInvestors Choice Variable Annuity B-Share Sub-Account Performance Summary as of July 31, 2018

ForeInvestors Choice Variable Annuity B-Share Sub-Account Performance Summary as of July 31, 2018 PERFORMANCE DATA QUOTED REPRESENTS PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS Performance results include reinvestment of all distributions at net value The investment return and principal

More information

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of October 31, 2017 Commonwealth Extra 15608 11/01/17 (expires 12/15/17) 2017 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed to

More information

Date of Hire (mm/dd/yyyy) / / City/Town State Zip Code Number of Dependents Marital Status [ ] Married [ ] Single. Date of Birth (mm/dd/yyyy) / /

Date of Hire (mm/dd/yyyy) / / City/Town State Zip Code Number of Dependents Marital Status [ ] Married [ ] Single. Date of Birth (mm/dd/yyyy) / / ENROLLMENT FORM 403(b) Group Variable Annuity In this form, may also be referred to as the Company. Participant Information (please type or print clearly) Employer Name GOODWILL INDUSTRES OF SANDIEGO CNTY

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 The Best of America ElitePRO Classic SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

SERVING A STRONG FUTURE

SERVING A STRONG FUTURE ENROLLMENT OVERVIEW SERVING A STRONG FUTURE HPOU 457 DEFERRED COMPENSATION PLAN PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY PREPARE FOR YOUR

More information

Invest in your future

Invest in your future Investment choices performance report May 31, 2018 Nationwide Variable Universal Life (VUL) Protector Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

RiverSource Retirement Advisor Advantage Plus variable annuity - New York

RiverSource Retirement Advisor Advantage Plus variable annuity - New York RiverSource Retirement Advisor Advantage Plus variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending

More information

Commonwealth Variable Universal Life variable life insurance issued by Genworth Life and Annuity Insurance Company

Commonwealth Variable Universal Life variable life insurance issued by Genworth Life and Annuity Insurance Company as of January 31, 2018 Commonwealth Variable Universal Life variable life insurance issued by 14609 02/01/18 (expires 03/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 6 IMPORTANT

More information

ReliaStar Life Insurance Company

ReliaStar Life Insurance Company P E R F O R M A N C E U P D A T E ReliaStar Life Insurance Company Variable Accumulation Design Average Annual Total Returns as of: 09/30/2013 (shown in percentages) The following variable investment options

More information

Investment choices performance report. April 30, M&T Variable Annuity. Look to your future

Investment choices performance report. April 30, M&T Variable Annuity. Look to your future Investment choices performance report April 30, 2010 M&T Variable Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When you invest in an

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Schwab Income Choice Variable Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Investor guide. Questionnaire, models and worksheet. Principal Variable Universal Life BusinessSM Principal Benefit Variable Universal Life II

Investor guide. Questionnaire, models and worksheet. Principal Variable Universal Life BusinessSM Principal Benefit Variable Universal Life II Principal Variable Universal Life BusinessSM Principal Benefit Variable Universal Life II Investor guide Questionnaire, models and worksheet BB11305-07 Get death benefit protection and a tax-deferred

More information

MetLife s Financial Freedom Account

MetLife s Financial Freedom Account Annuities Variable MetLife s Financial Freedom Account Exclusive-v1 Preparing to reach retirement goals Table of contents The Benefits of Financial Freedom Account (FFA) variable annuity... 1 Automated

More information

Voya Express Mutual Funds Custodial Account

Voya Express Mutual Funds Custodial Account P E R F O R M A N C E U P D A T E Voya Express Mutual s Custodial Account Average Annual Total Returns as of: 08/31/2014 (shown in percentages) Mutual funds offered through a retirement plan or individual

More information

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of July 31, 2018 For contracts issued after May 1, 2003 and prior to December 18, 2006 RetireReady SM Extra 41578 08/01/18 (expires 09/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company Opportunity Plus 403b Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge Average Annual

More information

MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE

MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE Average Annual Returns without Surrender Charges 1 1 Year 3 Year 5 Year 10 Year International Options 3 American s IS Global Small Cap - Class 1 4 5/1/2015 10.31-2.78 9.15 - - 0.76-14.20 0.61 - - -2.68

More information

MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE

MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE Average Annual Returns without Surrender Charges 1 1 Year 3 Year 5 Year 10 Year International Options 3 American s IS Global Small Cap

More information

MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE

MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE MODERN WOODMEN OF AMERICA VARIABLE ANNUITY SUBACCOUNT PERFORMANCE Average Annual Returns without Surrender Charges 1 1 Year 3 Year 5 Year 10 Year International Options 3 American s IS Global Small Cap

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category) 2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category) Vendor* Fund Name Fund Category Total cost (%) Voya 403b Voya Fixed Account - Pre 09/01/2004 Cash/Cash Equivalent 0 Voya 403b Voya

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider)

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider) 2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider) Vendor* Fund Name Fund Category Total cost (%) Fidelity Fidelity Money Market Trust Retirement Government Money Market II Portfolio

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee) 2017 Assessment of SUNY Retirement Plan Fees (sorted by fee) Vendor* Fund Name Fund Category Total cost (%) Voya 403b Voya Fixed Account - Pre 09/01/2004 Cash/Cash Equivalent 0 Voya 403b Voya Fixed Account

More information

Preparing to reach retirement goals

Preparing to reach retirement goals MetLife s Preference Plus Account Annuities Variable Preparing to reach retirement goals What is a variable annuity? A variable annuity is a long-term retirement savings vehicle specifically designed to

More information

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of March 31, 2019 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. RetireReady SM Extra 19337 04/01/19

More information

PERFORMANCE Funded by a Group Variable Funding Agreement

PERFORMANCE Funded by a Group Variable Funding Agreement PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. Total return includes capital appreciation (depreciation), realized gains (losses), plus dividend or interest income. The investment return and principal

More information

Commonwealth 401(k) a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth 401(k) a variable annuity issued by Genworth Life and Annuity Insurance Company as of December 31, 2018 Commonwealth 401(k) 14002 01/01/19 (expires 02/15/19) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed

More information

MetLife s Financial Freedom Account

MetLife s Financial Freedom Account Annuities Variable MetLife s Financial Freedom Account Non-Exclusive-v2 3 Preparing to reach retirement goals Table of contents The benefits of Financial Freedom Account (FFA) variable annuity...1 Automated

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY ARP Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 08/31/2018

More information

RetireReady SM Choice a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Choice a variable annuity issued by Genworth Life and Annuity Insurance Company as of June 30, 2018 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. RetireReady SM Choice 17022 07/01/18

More information

RiverSource Variable Universal Life

RiverSource Variable Universal Life Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 06/30/2018 and quarter ending 06/30/2018 Average annual rates of return reflect all charges incurred

More information

... Overview Group Variable Annuity Investment Options

... Overview Group Variable Annuity Investment Options Overview Document Summary This document includes important information that may help you compare the different investment options (if available) under your retirement plan. For additional information about

More information

Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview

Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview Diocese of Lafayette Believe in your future The Diocese of Lafayette 403(b) Plan Enrollment Overview Believe in your future Reaching your retirement goals can take a lot of preparation. Some investment

More information

RetireReady SM Freedom a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Freedom a variable annuity issued by Genworth Life and Annuity Insurance Company as of July 31, 2018 For contracts issued on or after May 1, 2003 RetireReady SM Freedom 19804 08/01/18 (expires 09/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 11 IMPORTANT INFORMATION

More information

Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity:

Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Great-West Loomis Sayles Bond Fund will be renamed to the Great-West Multi-Sector

More information

Your Retirement. Plan smart.

Your Retirement. Plan smart. Your Retirement. Plan smart. Town of Manchester 457(b) Plan Changes coming to your retirement Plan Ready. Set. Save. The Town of Manchester is committed to providing you with a deferred compensation plan

More information

Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION

Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION What s Inside COUNTY OF VENTURA maintains the Ventura County 401(k) Shared

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company TEXAS TECH UNIV & HEALTH Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2019

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company BD OF SCHOOL DIRECTORS CITY Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 11/30/2018

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY 403B Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 09/30/2018

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company TEXAS A & M UNIVERSITY SYSTEM Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2019

More information

Variable Universal Life - Cash Value 2 Prospectus

Variable Universal Life - Cash Value 2 Prospectus Variable Universal Life - Cash Value 2 Prospectus Prospectus for: VUL-CV2 Insurance Policies Issued by: Midland National Life Insurance Company 13018 4/17 VARIABLE UNIVERSAL LIFE CV 2 Flexible Premium

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 NEA Valuebuilder Select SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

RiverSource Retirement Advisor Variable Annuity

RiverSource Retirement Advisor Variable Annuity RiverSource Retirement Advisor Variable Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 08/31/2018 and quarter ending 06/30/2018 Current

More information

MetLife s Financial Freedom Account

MetLife s Financial Freedom Account Annuities Variable MetLife s Financial Freedom Account (Exclusive-v1) Preparing to reach retirement goals Table of contents The Benefits of Financial Freedom Account (FFA) variable annuity........... 1

More information

RiverSource Retirement Advisor 4 Advantage variable annuity

RiverSource Retirement Advisor 4 Advantage variable annuity RiverSource Retirement Advisor 4 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 03/31/2018 and quarter ending 03/31/2018

More information

Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION

Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION What s Inside COUNTY OF VENTURA maintains the Ventura County 401(k) Shared

More information

JJF Management Services Inc. 401(k) Plan

JJF Management Services Inc. 401(k) Plan Enrollment overview JJF Management Services Inc. 401(k) Plan We all have hopes and dreams for the future. Planning your route to retirement takes preparation. In order to determine how much to contribute

More information

LiveWell Variable Annuity

LiveWell Variable Annuity LiveWell Variable Annuity Investment-Focused. Tax Control. Protection Of Premium. 22325V REV 08-17 NOT FDIC/NCUA INSURED, MAY LOSE VALUE, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL

More information

Portfolio Allocation Models. for Lincoln Financial Group s Variable Life Insurance Products

Portfolio Allocation Models. for Lincoln Financial Group s Variable Life Insurance Products Portfolio Allocation Models for Lincoln Financial Group s Variable Life Insurance Products 40% (Conservative) Allocation Model M s Portfolio Allocation Models for Lincoln Financial Group s Variable Insurance

More information

The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets.

The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets. IOG page 1 The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets. Want Want more more information? information? Call

More information

Financial Literacy Plan Review. Icebox Cool Stuff, LLC 401k Plan

Financial Literacy Plan Review. Icebox Cool Stuff, LLC 401k Plan Financial Literacy Plan Review Icebox Cool Stuff, LLC 401k Plan Plan Highlights Pre-tax. This deferral lowers the Participant s taxable income in the year deferred. The Participant pays income taxes at

More information

RetireReady SM Protection Plus variable life insurance issued by Genworth Life and Annuity Insurance Company

RetireReady SM Protection Plus variable life insurance issued by Genworth Life and Annuity Insurance Company as of December 31, 2018 RetireReady SM Protection Plus variable life insurance 17410 01/01/19 (expires 02/15/19) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The

More information

Preparing to reach retirement goals. B and L Class

Preparing to reach retirement goals. B and L Class MetLife Financial Freedom Select Annuities Variable Preparing to reach retirement goals B and L Class Table of contents Why choose the MetLife Financial Freedom Select (MFFS) variable annuity?....1 What

More information

Hand Composite Employee Benefit Trust Clear Sailing Investment Group Funds Independent Auditor's Report and Financial Statements.

Hand Composite Employee Benefit Trust Clear Sailing Investment Group Funds Independent Auditor's Report and Financial Statements. s Independent Auditor's Report and Financial Statements Contents Independent Auditor's Report... 1 Basic Financial Statements Statements of Assets and Liabilities Selected s... 3 Schedules of s Conservative...

More information