Fixed Annuities At Berson-Sokol Agency, Inc Mercantile Road Unit C Cleveland, Ohio

Transcription

1 Fixed Annuities At Berson-Sokol Agency, Inc. 200 Mercantile Road Unit C Cleveland, Ohio d Guggenheim Life and Annuity Best B++ Weiss B- A Guggenheim Partners Company 0 Day Window PRIOR to the End of Each Term to Move Funds with No 4 Day Hold for Exchanges %.%.0% Years 1-4.1%.2%.%.0% Years %.40%.0%.4% Years 1-8.%.0% Years %.60% Years 1-.0% % of Previous Anniversary Account Value Beginning in Year 2 Nursing Home Waiver- d Prior to Age 6 Terminal Illness Rider- d Prior to Age 0 $,000 Q $,000 NQ 1.00%,6,,6,,4,6,,4,,6,,4,,2,6,,4,,2,1,6,,4,,2,1,1,6,,4,,2, 1,1,1,6,,4,,2,1 1,1,0.

2 Berson-Sokol Agency Fixed Annuities Page 2 d North American Best A+ S&P A+ Fitch A+ Weiss B Comdex 88 0 Day window at end of each term to move funds with no penalty % 2.60% 2.40% Years % 2.9%.0% 2.80% Years 1-6.% 2.8%.1% 2.9% Years %.00% Years 1-9.2%.% Years 1-.% earned the prior year beginning in Year 2 Nursing Home Waiver issue ages and younger $2,000 Q $,000 NQ.2% 9., 8.4,. 9., 8.4,., , 8.4,., 6.6,., 9., 8.4,., 6.6,., 4. 9., 8.4,., 6.6,., 4.,.8 9., 8.4,., 6.6,., 4.,.8, , 8.4,., 6.6,., 4.,.8, 2.8, , 8.4,., 6.6,., 4.,.8, 2.8, 1.9,.9

3 Berson-Sokol Agency Fixed Annuities Page d Fidelity and Guaranty Best B++ S&P BBB+ Fitch BBB Weiss C+ Comdex Platinum 2.% 9,8, Accumulated interest 0 Day Window Prior to End of Term to Move Funds With No Platinum **.80% Nursing home/terminal illness rider $20, % 9,8,,6, Platinum 4.00% 9,8,,6,,4, ** This is a special rate that can end at any time. Please call to make sure rate is accurate. All applications for the,, and y product need to be done online through F & G s website.

4 Berson-Sokol Agency Equitrust Best B++ S&P BBB+ Weiss B- Comdex 42 : 0 Day Window Prior To End of Term to Move Funds 6 2.0%.00%.% Years 1-6 Accumulated at any Time Nursing Home Waiver Available for Through 80 d $, % Fixed Annuities Page 4 9,8, 9,8,,6.,. 9,8,,6.,.,4. Four: no automatic renewal at end of term 8.20% Years 1-8 Annuitization Available at End of Term Only 9,8,,6.,., 4.,.,2. 60 Day Hold for Exchanges Four SPDA Flexible for 1 Year.2% Years 1-4.2% Year 1 Includes 1.0% Bonus Projected Eff Yld.00% / % After 1 Year Nursing Home Waiver Available for Through 80 $, % 9,8,,6.,.,4.,.,2.,1.,0. 9,8,,6.,.,4. 0-8

5 Berson-Sokol Agency Athene Best A S&P A- Fitch A- Weiss C Comdex 2 No Automatic Rollover at End of Term 4 Day Hold for Exchanges American Equity Best A- S&P A- Fitch BBB+ Weiss B- Comdex 60 0 Day Window Prior to End of Term to Move Funds With No Max Max Max 6 2.1% 2.0% 2.9%.%.0%.20% 2.0% 2.4% Years % An amount equal to the Multi-Year Fixed Strategy multiplied by Accumulated Value (as of the most recent Contract Anniversary) Nursing Home/ Terminal Illness Waiver available at the End of the First Year Nursing Home/Terminal Illness Waiver d 18-4 d $, % $, % Fixed Annuities Page 9., 8.4,. 9., 8.4,., 6.6,. +/-MVA 9., 8.4,., 6.6,., 4.,.8 +/-MVA 9,8,,6, +/-MVA 9,8,,6,,4 9,8,,6,,4,

6 Berson-Sokol Agency Fixed Annuities Page 6 d The Standard Best A S&P A+ Fitch A Weiss B+ Comdex Day Hold 0 Day Window Prior to End of Term to Move Funds With No Focus Growth Focus Growth Focus Growth Focus Growth 2.% 2.8%.0%.40%.%.4%.%.4% Years 1- Only Nursing Home/Terminal Illness Rider $1, % 9.4, 8.,.% 9.4, 8.,., 6.,.% 9.4, 8.,., 6.,., 4.,.% 9.4, 8.,., 6.,., 4.,., 2., 1.,.% Motorists Best A- Weiss B SPDA.00% Year % Planned Renewal 2.1% Yield % After 1 Year $, % 8,8,,6,,4 0-80

7 Berson-Sokol Agency d Fixed Annuities Page American Equity Best A- S&P A- Fitch BBB+ Weiss B Comdex 9 0 Day Window Prior to End of Term to Move Funds With No Shield Shield 1.9% 2.1% % of contract value starting year 2. W/D and RMD immediately $, % 9.2, 9.2, 8.2,.2, 6.2,.2, , 9.2, 8.2,.2, 6.2,.2, 4.1,.1, 2.1, Income rider: - ages % simple interest for 20 years -Annual fee 1% Shield + 1.6% % bonus on all first year premiums Nursing home/terminal illness rider 9.1, 9.1, 8.,., 6.,., 4.,.4, 2., 1.1 For all annuities/all carriers: charges shown are for Ohio only and may vary in other states.

8 Berson-Sokol Agency d Fixed Annuities Page 8 Charge% Liberty Best B++ Weiss D+ Contracts become 0% liquid after the initial term ends Elite Elite Elite Elite 9 2.%.0%.80%.8% Years 1-9 None-Not even for RMDs on qualified contracts Contract Pays Value on Death-Except for Spousal Assumption $, %.9..0,6.2.9,.0,6.2,.,4.4.9,.0,6.2,., 4.4,.,2..9,.0,6.2,., 4.4,.,2., 1.8, % Premier Premier.4%.20%.0% $, % 8,,6,,4 8,,6,., ,11,,8,6,,4 6+ 8,,6,,4.,., ,11.,., 8.,6.,., ,.1,6.1,.1, 4.,.,