A flexible investment approach for balancing risk and return
|
|
- Jasmin Fletcher
- 5 years ago
- Views:
Transcription
1 Allianz Index Advantage Variable Annuity Allianz Life Insurance Company of North America A flexible investment approach for balancing risk and return (R-10/2015) Creating a balance of performance potential with a level of protection Our survey found that 82% of consumers believe they should have some FROM LOSS when investing. 1 We designed the Allianz Index Advantage Variable Annuity to help you meet your long-term financial goals. This index variable annuity provides tax deferral, 2 a variety of lifetime payout options, and a built-in death benefit during the accumulation phase. The contract allows you to allocate among three variable options and three innovative crediting methods (or as we call them, index strategies) the Index Protection Strategy, Index Performance Strategy, and Index Guard Strategy. Protection from all index losses Index Protection Strategy is a crediting method that offers principal protection from any amount of index loss due to negative index performance. That means you can help protect what you ve earned, while still having growth opportunities if annual s are flat or positive. Protection from small index losses Index Performance Strategy is a crediting method that provides upside potential with a level of protection from smaller index losses. This may be a good option if you are willing to take on some level of risk along with the opportunity to grow your assets, but does not fully protect against more significant index declines. Protection from big index losses Index Guard Strategy 3 is a crediting method that provides upside potential with a level of protection from more severe index losses, but does not protect against smaller index losses. This may be a good option if you have less tolerance for incurring a large loss, but still want the opportunity to grow your assets. 1 Allianz Investor Market Perceptions Survey, GfK KnowledgePanel TM, May This survey was commissioned by Allianz Life Insurance Company of North America. 2 Withdrawals will reduce the contract value and the value of any protection benefits. Withdrawals taken within the contract withdrawal charge schedule will be subject to a withdrawal charge. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax. 3 The Index Guard Strategy is not available to contracts issued before August 24, This material must be preceded or accompanied by the Index Advantage client brochure (IXA-002) and a current prospectus (IXA-003). For more complete information about variable options, contact Allianz Life Financial Services, LLC at for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable options, which you should carefully consider. Please read the prospectuses thoroughly before sending money. Product and feature availability may vary by state and broker/dealer. IXA-059 Page 1 of 6
2 Three innovative index strategies offering different levels of protection NO DOWNSIDE Index Protection Strategy offers principal protection from any amount of index loss due to negative index performance with the potential for some growth with a Declared Protection Strategy Credit (DPSC). KNOW YOUR RISK KNOW YOUR DOWNSIDE Index Performance Strategy provides upside potential to the cap, with a level of protection. The level of protection defends against smaller index losses up to the buffer. This is helpful for smaller losses, but does not fully protect against more significant index declines. Index Guard Strategy provides upside potential to the cap, with a level of protection. The level of protection defends against larger index losses that fall below the floor. This is helpful for severe negative s, but does not protect against smaller index losses. DPSCs and caps are subject to significant change annually on the Index Anniversary. DPSCs, caps, buffers, and the floors can vary between indexes, between newly issued contracts and in-force contracts, and between in-force contracts issued on different days and in different years. DPSCs and caps will never be less than 1.5%. The buffers will never be less than 5%. The floor will never be less than -25%. Page 2 of 6
3 Flexibility to protect in different markets These hypothetical examples show how a specified combination of allocations to the Index Protection Strategy, Index Performance Strategy, and Index Guard Strategy could react to a hypothetical using an assumed 10% cap, 10% current buffer, -10% current floor, and 3.5% DPSC. The results are hypothetical and are not intended to represent any recommended allocation or actual product or index performance or predict future results. These examples show only a few examples of different allocations. Actual allocations can be selected in increments of 1%. These scenarios are not valid when the buffer and floor are not equal, if the percentage allocated to each strategy is different from the percentage allocations shown, and if the index selected across the strategies is not the same. These examples do not take into account any allocations to the variable options. Results would be different if allocated to the variable options. The annual product fee of 1.25%, withdrawal charges, and contract maintenance charges are not reflected and, if deducted, would lower the results shown. You should consider all of a product s features and benefits and consult with a financial professional regarding your investment objectives and risk tolerance before purchasing a variable annuity. INDEX Protection from all index losses no downside singleyear DPSC 100% INDEX 100% If the annual is zero or positive, you will receive the Declared Protection Strategy Credit (DPSC), which is the amount of potential annual return that may be credited in any given year, no more and no less. If the annual is negative, there are no losses due to negative index performance and nothing is credited. 20% 3. 15% 3. 10% 3. 5% 3. 0% 3. -5% 0.00% -10% 0.00% -15% 0.00% -20% 0.00% -25% 0.00% -30% 0.00% INDEX Protection from small index losses know your risk singleyear performance credit 100% INDEX 100% If the annual is positive, you will receive a performance credit based on the (subject to an upper limit called the cap). If the annual is negative, you may receive a negative performance credit but only when the loss is greater than the buffer. The buffer absorbs the first 10% of a negative in any given year. Losses in excess of the buffer will reduce the contract value by the amount that exceeds the buffer. 20% 10.00% 15% 10.00% 10% 10.00% 5% 5.00% 0% 0.00% -5% 0.00% -10% 0.00% -15% -5.00% -20% % -25% % -30% % INDEX GUARD Protection from big index losses know your downside singleyear performance credit 100% INDEX GUARD 100% If the annual is positive, you will receive a performance credit based on the (subject to an upper limit called the cap). If the annual is negative, you will receive a negative performance credit, but the negative performance credit will never be less than the floor. The floor limits any negative to no less than -10%. Negative s beyond the -10% floor will not reduce your contract value. Page 3 of 6 20% 10.00% 15% 10.00% 10% 10.00% 5% 5.00% 0% 0.00% -5% -5.00% -10% % -15% % -20% % -25% % -30% %
4 By blending more than one index strategy, you can adjust the level of protection and performance potential that s appropriate for you. Define your risk INDEX INDEX Define your downside INDEX GUARD INDEX Cut your downside in half INDEX INDEX GUARD Define your risk by blending these two index strategies. 1 Define your downside by blending these two index strategies. 1 Cut your downside in half by blending these two index strategies to make all losses smaller. 20% 6.75% 15% 6.75% 10% 6.75% 5% 4.25% 0% 1.75% -5% 0.00% -10% 0.00% -15% % -5.00% -25% % % 20% 6.75% 15% 6.75% 10% 6.75% 5% 4.25% 0% 1.75% -5% % -5.00% -15% -5.00% -20% -5.00% -25% -5.00% -30% -5.00% 20% 10.00% 15% 10.00% 10% 10.00% 5% 5.00% 0% 0.00% -5% % -5.00% -15% % % -25% % % 1 The Index Protection Strategy only offers the S&P 500 Index. Therefore, the index strategies used in this example would need to be allocated to the S&P 500 Index for these scenarios to be valid. Page 4 of 6
5 Customize your allocation 34% 33% 33% 33% INDEX 34% INDEX 33% INDEX GUARD Customize your allocation by blending all three index strategies. 1 20% 7.86% 15% 7.86% 10% 7.86% 5% 4.51% 0% 1.16% -5% -1.65% -10% -3.30% -15% -5.00% -20% -6.70% -25% -8.40% -30% % To create a blend that helps meet your needs and to see how Allianz Index Advantage Variable Annuity may perform in a single year, go to our Index Advantage calculator at For information on the DPSC and caps currently offered, please consult your financial professional or visit 1 The Index Protection Strategy only offers the S&P 500 Index. Therefore, the index strategies used in this example would need to be allocated to the S&P 500 Index for these scenarios to be valid. The S&P 500 Index is comprised of 500 stocks representing major U.S. industrial sectors. S&P is a registered trademark of Standard & Poor s Financial Services LLC ( S&P ). This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P and S&P 500 are trademarks of S&P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America ( Allianz ). The S&P 500 is a product of S&P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz. Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates make any representation regarding the advisability of investing in such product. Although an external market index or indexes will affect your Index Option Values, the Allianz Index Advantage Variable Annuity index options do not directly participate in any stock or equity investments. An allocation to the index options is not a purchase of shares of any stock or index fund, or a direct investment in an index. The external market index value does not include the dividends paid on the stocks underlying a stock index. You can lose money you allocate to the Index Performance Strategy or Index Guard Strategy as a result of index fluctuations, and that loss could be substantial. If the annual is 0%, you could lose money as a result of the deduction of any applicable contract fees and charges. Page 5 of 6
6 True to our promises so you can be true to yours. A leading provider of annuities and life insurance, Allianz Life Insurance Company of North America (Allianz) bases each decision on a philosophy of being true: True to our strength as an important part of a leading global financial organization. True to our passion for making wise investment decisions. And true to the people we serve, each and every day. Through a line of innovative products and a network of trusted financial professionals, and with over 2.6 million contracts issued, Allianz helps people as they seek to achieve their financial and retirement goals. Founded in 1896, Allianz is proud to play a vital role in the success of our global parent, Allianz SE, one of the world s largest financial services companies. While we pride ourselves on our financial strength, we re made of much more than our balance sheet. We believe in making a difference with our clients by being true to our commitments and keeping our promises. People rely on Allianz today and count on us for tomorrow when they need us most. All annuity contract and rider guarantees, or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Allianz Life Insurance Company of North America (Allianz). Guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions. Not FDIC insured May lose value No bank or credit union guarantee Not a deposit Not insured by any federal government agency or NCUA/NCUSF Product and feature availability may vary by state and broker/dealer. Products are issued by: Products are distributed by: Allianz Life Insurance Company Allianz Life Financial Services, LLC of North America 5701 Golden Hills Drive 5701 Golden Hills Drive Minneapolis, MN Minneapolis, MN Member FINRA ML: L40538 Page 6 of 6
Protecting your retirement income from market volatility
Protecting your retirement income from market volatility Understanding the impact of your sequence of returns Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York
More informationIncome Protector. Allianz Vision SM Variable Annuity. Income to help sustain your lifestyle. Allianz Life Insurance Company of North America VSN-102
Allianz Life Insurance Company of North America Income Protector Income to help sustain your lifestyle Allianz Vision SM Variable Annuity VSN-102 Page 1 of 16 SOLUTIONS FOR RETIREMENT REALITIES This brochure
More informationAllianz Income Plus Benefit
Allianz Life Insurance Company of North America Allianz Income Plus Benefit Lifetime income with potential to increase M3886 Must be accompanied by Allianz MasterDex 5 Plus SM Annuity brochure, CB51261-3,
More informationUnderstanding crediting methods
Allianz Life Insurance Company of North America Understanding crediting methods Fixed index annuities M-5273 Must be used with Understanding fixed index annuities (M-5217). Page 1 of 8 Fixed index annuities
More informationPrepare for retirement with a strategy that offers potential income increases.
Fixed index annuities (R-6/2018) Allianz Life Insurance Company of North America Prepare for retirement with a strategy that offers potential income increases. If you re looking for a financial product
More informationAllianz Life Insurance Company of North America. Allianz 365i Annuity. Protection, potential and more CB Page 1 of 12
Allianz Life Insurance Company of North America Allianz 365i Annuity Protection, potential and more CB55012-4 Page 1 of 12 Page 2 of 12 Allianz 365i Annuity A solid retirement plan considers both phases
More informationAllianz Life Insurance Company of North America. Allianz 365i Annuity. Protection, potential and more CB NFA. Page 1 of 12
Allianz Life Insurance Company of North America Allianz 365i Annuity Protection, potential and more CB55012-4-NFA Page 1 of 12 Page 2 of 12 Allianz 365i Annuity A solid retirement plan considers both phases
More informationThe 4% rule or Core Income 7?
Core Income 7 Annuity (R-7/2017) Allianz Life Insurance Company of North America The 4% rule or Core Income 7? Seeking guarantees and opportunity amid market volatility When it comes to retirement planning,
More informationAllianz Endurance Plus Annuity
Allianz Life Insurance Company of North America Allianz Endurance Plus Annuity A versatile and flexible retirement solution CB59951-05 Page 1 of 16 Discover the Allianz Endurance Plus Annuity. A solid
More informationProduct Guide. Fixed index annuities. Allianz Life Insurance Company of North America M3608. Page 1 of 6
Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Product Guide Fixed index annuities M3608 Page 1 of 6 Allianz Pro V1 Annuity (C53520)
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Page of 8 Understanding
More informationAllianz 222 Annuity. Protection and flexible benefits. Allianz Life Insurance Company of North America CB CA
Allianz Life Insurance Company of North America Allianz 222 Annuity Protection and flexible benefits CB95352-1-CA Must be used with Allianz 222 Annuity consumer brochure insert (CB95352-B-9.1%-CA) or appropriate
More informationDeciding when to retire
Deciding when to retire Exploring the opportunities and challenges Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-298-N Product and feature availability
More informationDistributions from your employersponsored. retirement plan. Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York
Distributions from your employersponsored retirement plan Understanding your options Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-068-N Page 1 of 12 Your
More informationUnderstanding trust-held nonqualified annuities
Understanding trust-held nonqualified annuities Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-326-N Page 1 of 6 About trust-held nonqualified annuities
More informationAllianz MasterDex X Annuity
Allianz Life Insurance Company of North America Allianz MasterDex X Annuity Focus on the X factor CB52575-4-NJ Page 1 of 16 Page 2 of 16 Discover the MasterDex X Annuity A solid retirement plan considers
More informationA financial checklist for domestic partners
A financial checklist for domestic partners Allianz Life Insurance Company of New York Allianz Life Insurance Company of North America ENT-1481-N Product and feature availability may vary by state and
More informationInvestment Protector (R-7/2012)
Allianz Vision SM Variable Annuity Allianz Life Insurance Company of North America Investment Protector (R-7/2012) An accumulation benefit that provides a level of protection for the principal your clients
More informationAllianz Accumulation Advantage SM Annuity
Consumer brochure (1/2018) Allianz Life Insurance Company of North America Allianz Accumulation Advantage SM Annuity Today s uncertain financial environment combined with the limited availability of traditional
More informationWhen should you retire?
When should you retire? Exploring the opportunities and challenges Allianz Life Insurance Company of New York Allianz Life Insurance Company of North America AMK-298-N Product and feature availability
More informationUnderstanding fixed annuities
Allianz Life Insurance Company of North America Understanding fixed annuities Protection for your retirement money M-5210 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In recent years, the
More informationBringing protection and growth into balance
LINCOLN VARIABLE ANNUITIES Bringing protection and growth into balance Lincoln Level Advantage SM indexed variable annuity Advisory Client Guide Not a deposit Not FDIC-insured May go down in value Not
More informationUnderstanding fixed index annuities
Allianz Life Insurance Company of North America Understanding fixed index annuities M-5217 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In past years, the financial markets have experienced
More informationInvestment Options Guide
Allianz Life Insurance Company of North America Investment Options Guide A variety of options for today s retirement USA-1448 Page 1 of 16 Solutions for RETIREMENT REALITIES This brochure must be preceded
More informationProduct guide. Fixed annuities. Allianz Life Insurance Company of North America Allianz Life Insurance Company of North America
Fixed annuities Product guide Allianz Life Insurance Company of North America Allianz Life Insurance Company of North America M3609-W Allianz products can be part of a solid financial strategy and of a
More informationAllianz Life Insurance Company of North America. Allianz SM. Core Income 7 Annuity. A foundation for lifetime income CB95374.
Allianz Life Insurance Company of North America Allianz SM Core Income 7 Annuity A foundation for lifetime income CB95374 Page 1 of 16 Solutions for RETIREMENT REALITIES Page 2 of 16 Planning for the knowns
More informationAllianz Core Income 7 Annuity
Allianz Life Insurance Company of North America Allianz Core Income 7 Annuity A foundation for lifetime income CB95374 This brochure must be used with Allianz Core Income 7 Annuity consumer brochure insert
More informationPrepare for Market Volatility. Help Realize Financial Goals.
Prepare for Market Volatility. Help Realize Financial Goals. ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield Level Selector Annuity SM Brighthouse Shield Level Selector 3-Year Annuity SM Issued by
More informationPremium Deposit Fund Rider
Allianz Life Insurance Company of North America Premium Deposit Fund Rider Life insurance with one lump-sum payment and multiple advantages M-5480 Page of 8 Understanding the advantages of life insurance
More informationRisks to retirement income
Allianz Life Insurance Company of North America Risks to retirement income How fixed index annuities can help CB1051 Page 1 of 6 Risks to retirement income Saving for retirement is just the beginning If
More informationAllianz Command Provider SM Annuity Statement of Understanding
Allianz Life Insurance Company of North America PO Box 00 Minneapolis, MN -000 00.0. Allianz Command Provider SM Annuity Statement of Understanding Thank you for considering the Allianz Command Provider
More informationSocial Security income benefit strategies under the new law
Social Security income benefit strategies under the new law Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York ENT-1511-N Page 1 of 12 What s your Social Security
More informationINTEREST ENHANCED DEATH BENEFIT
INTEREST ENHANCED DEATH BENEFIT Guaranteed Growth for Your Loved Ones, Regardless of Market Performance 9/16 50088-16B Optional Benefit with Pacific Life s Fixed Indexed Annuities GUARANTEED GROWTH, NO
More informationMEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION. Move confidently into the future REV 0418
MEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION Move confidently into the future 10003559 REV 0418 A financial services company serving financial institutions and their clients worldwide.
More informationStability and reliability
Allianz Life Insurance Company of North America Stability and reliability Our investment management philosophy Page 1 of 8 True to our promises Message from Walter White President and Chief Executive Officer
More informationA plan for tomorrow can make all the difference
Nationwide Variable Universal Life Accumulator Client guide A plan for tomorrow can make all the difference Make your future count 1 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 2 Tomorrow starts today
More informationAllianz MasterDex 5 Plus SM Annuity
Allianz Life Insurance Company of North America PO Box 59060 Minneapolis, MN 55459-0060 800.950.7372 Allianz MasterDex 5 Plus SM Annuity Statement of Understanding Thank you for considering the Allianz
More informationWhy Sell The Index Frontier Variable-Indexed Annuity? For producer use only. Not for use in sales solicitation.
Why Sell The Index Frontier Variable-Indexed Annuity? For producer use only. Not for use in sales solicitation. 2 Photo submitted by Vicki from California, Great American customer since 2006. With an Index
More informationASIA PLUS 10. A Strategy Indexed Annuity Issued By American National Life Insurance Company of New York
ASIA PLUS 10 A Strategy Indexed Annuity Issued By American National Life Insurance Company of New York Your Life. Your Strategies. You ve come a long way. You re not a financial novice anymore. You have
More informationMasterDex 10 Annuity Statement of Understanding
Allianz Life Insurance Company of North America PO Box 59060 Minneapolis, MN 55459-0060 800.950.7372 MasterDex 10 Annuity Statement of Understanding Thank you for considering the MasterDex 10 Annuity from
More informationSuccess a matter of endurance
Success a matter of endurance Allianz Life Insurance Company of North America 1 Page 1 of 20 CB59951-E-CA From our global parent... We are part of Allianz SE, one of the world s largest integrated financial
More informationIndex Frontier 7 A variable-indexed annuity from Great American Life Insurance Company
Index Frontier 7 A variable-indexed annuity from Great American Life Insurance Company 2 Photo submitted by Mark from Pennsylvania, Great American customer since 2012. Index Frontier 7 Variable-Indexed
More informationSafe Outlook Annuity A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Outlook Annuity A fixed-indexed annuity The Simple Summary 3 Things to Know About the Safe Outlook Annuity: Provides penalty-free withdrawals Offers
More informationChoose the retirement you want. Simply.
Choose the retirement you want. Simply. A Fixed Indexed Annuity with an Optional Income Rider 65001 Issued by Athene Annuity and Life Company, West Des Moines, Iowa (01/15) An Athene Ascent SM 10 fixed
More informationINTEREST ENHANCED DEATH BENEFIT
INTEREST ENHANCED DEATH BENEFIT Guaranteed Growth for Your Loved Ones, Regardless of Market Performance 9/16 50114-16B Optional Benefit with Pacific Life s Fixed Indexed Annuities for New Jersey, Ohio,
More informationAllianz Life Pro+ Agent guide. Fixed Index Universal Life Insurance Policy. Allianz Life Insurance Company of North America
Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Allianz Life Pro+ Fixed Index Universal Life Insurance Policy Agent guide M-5345 Page
More informationProtect what you have
Nationwide Variable Universal Life Protector Client guide Protect what you have Plan for what you want 1 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 2 Tomorrow starts today As the world continues to
More informationMEMBERS Horizon Annuity: New Possibilities for Diversified Investing
MEMBERS Horizon Annuity: New Possibilities for Diversified Investing MHA-1724847(CM) FOR REGISTERED REPRESENTATIVE USE ONLY. NOT FOR USE BY THE GENERAL PUBLIC. 2-0618-0720 2018 CUNA Mutual Group MEMBERS
More informationRetirement income strategies workbook
Retirement income strategies workbook Rethinking Retirement Allianz Life Insurance Company of New York Allianz Life Insurance Company of North America ENT-538-N Page 1 of 12 Retirement income strategies
More informationAssured Income. Fixed Index Annuity Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Assured Income 7 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company The Retirement Planning Challenge: Creating Income That Lasts Retirement will likely be
More informationIndex Achiever 7 A fixed-indexed annuity from Great American Life Insurance Company
Index Achiever 7 A fixed-indexed annuity from Great American Life Insurance Company 2 Photo submitted by Laura from Ohio, Great American customer. Diversify Your Portfolio With The Index Achiever 7 A fixed-indexed
More information"What's the difference between a financial hurricane and a financial tornado?
"What's the difference between a financial hurricane and a financial tornado? Protect the Fish S & P Inflection Points Tornado Hurricaine Allianz Life Insurance Company of North America Allianz Index Advantage
More informationWithdrawal Charges & Fees No annual contract, mortality & expense, or administrative fees. 9% 8% 8% 7% 6% 4% 0%
PACIFIC INDEX CHOICE In Oregon SM A Deferred Indexed Annuity Purchase Payments Age Guidelines Initial Guaranteed Periods Modified single-premium, fixed annuity. 1035 exchange/transfer requests must be
More informationSafe Return A fixed-indexed annuity from Great American Life Insurance Company
Safe Return A fixed-indexed annuity from Great American Life Insurance Company 1 Help Secure Your Retirement With The Safe Return Annuity A fixed-indexed annuity that offers: Growth opportunity You can
More informationNAC VersaChoice 10. Owner: Valued Annuitant Issue State: IA. Date Prepared: 11/20/2017. Prepared for: Agent/Representative: Hypothetical Illustration
US E ER NS UM CO Hypothetical Illustration NAC VersaChoice 10 NO T FO SM Owner: Valued Annuitant Issue Agent/Representative: Date Prepared: 11/20/2017 DR AF T O NL Y, This draft illustration is not allocation
More informationFixed Index Annuities
Fixed Index Annuities I Annuities Sales Tool Series Fixed Index Annuities Innovative Retirement Planning Alternative 143731 05/17/14 For Producer/Agent Information Only. Not to be Reproduced or Shown to
More informationSafe Return An indexed annuity from Great American Life Insurance Company
Safe Return An indexed annuity from Great American Life Insurance Company 1 Help Secure Your Retirement With The Safe Return An indexed annuity that offers: Growth opportunity You can allocate your money
More informationInfiniDex 5 TM Annuity Statement of Understanding
Allianz Life Insurance Company of North America PO Box 596 Minneapolis, MN 5559-6 8.95.772 Thank you for considering the InfiniDex 5 Annuity from Allianz. We want to be sure that you are aware of the benefits,
More informationAllianz Endurance 15 SM Annuity
Allianz Life Insurance Company of North America PO Box 59060 Minneapolis, MN 55459-0060 800.950.7372 Allianz Endurance 15 SM Annuity Statement of Understanding Thank you for considering the Allianz Endurance
More informationLearn the Essentials. Discover how a level of protection and participation can lead to a brighter financial future. Brighthouse Shield Annuity
Learn the Essentials Discover how a level of protection and participation can lead to a brighter financial future. ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield Annuity SM Brighthouse Shield Level
More informationIndexed Universal Life Insurance
Life Insurance Indexed Universal Life Insurance The Index Advantage LBL8193-1 Discover the advantages. To provide and protect it s what we all want to do for our loved ones. And with indexed universal
More informationA premier resource for your retirement. PremierDex. Annuity. An equity-indexed, fixed annuity with point-to-point monthly crediting
TM PremierDex Annuity A premier resource for your retirement An equity-indexed, fixed annuity with point-to-point monthly crediting Allianz Life Insurance Company of North America CB58270 Page 1 of 16
More informationTHE POTENTIAL TO EARN MORE INTEREST
THE POTENTIAL TO EARN MORE INTEREST with a 5-Year Participation Rate with Spread Interest-Crediting Option Available with Pacific Index Edge A Deferred, Fixed Indexed Annuity FAC1090-0918 WHY PACIFIC LIFE
More informationUnderstand the Market s Impact ANNUITIES SINGLE PREMIUM DEFERRED. Brighthouse Shield SM Annuity
Understand the Market s Impact ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield SM Annuity In applying the information provided in this material, you should consider your other assets, income, and
More informationNationwide New Heights Fixed Indexed Annuity
Nationwide New Heights Fixed Indexed Annuity Fixed Indexed Annuity Hypothetical Illustration Report Prepared for: Prepared on: Valued Client 10/13/2014 Prepared by: Shurwest Financial The purpose of this
More informationInvestment Guide. Explore new possibilities for diversified investing. MEMBERS Life Insurance Company
M E M B E R S H O R I Z O N Guide Explore new possibilities for diversified investing MEMBERS Life Insurance MHA-1449442 NOT FDIC/NCUA/NCUSIF INSURED NOT BANK OR CREDIT UNION GUARANTEED MAY LOSE VALUE
More informationYou re in control of your destination
You re in control of your destination Life insurance offering broad investment options with cash value growth potential and protection LIFE SOLUTIONS Lincoln AssetEdge VUL* Not a deposit Not FDIC-insured
More informationGREAT-WEST CAPITAL CHOICE
GREAT-WEST CAPITAL CHOICE Index-Linked Annuity Take greater control of your financial future Any guarantees are subject to the terms and conditions of the contract and the claims-paying ability of the
More informationAllianz Index Advantage Variable Annuity Prospectus
Allianz Index Advantage Variable Annuity Allianz Life Insurance Company of North America www.allianzlife.com Allianz Index Advantage Variable Annuity Prospectus A flexible-payment deferred variable and
More informationSafe Return A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Return A fixed-indexed annuity 3 Things to Know About Safe Return: Provides penalty-free withdrawals Return of premium guarantee Bailout feature on
More informationAmerican Landmark 5 A fixed-indexed annuity from Great American Life Insurance Company
American Landmark 5 A fixed-indexed annuity from Great American Life Insurance Company 1 2 Photo submitted by Anthony from Pennsylvania, Great American customer since 2016. Help Secure Your Retirement
More informationMarket Linked Certificates of Deposit
Market Linked Certificates of Deposit This material was prepared by Wells Fargo Securities, LLC, a registered brokerdealer and separate non-bank affiliate of Wells Fargo & Company. This material is not
More informationAmerican Custom 10 A fixed-indexed annuity from Great American Life Insurance Company
American Custom 10 A fixed-indexed annuity from Great American Life Insurance Company Uncomplicate Retirement 1 2 Photo submitted by Bruce from New Jersey, Great American customer since 2001. Help Secure
More informationAmerican Legend III A fixed-indexed annuity
Issued by Great American Life Insurance Company American Legend III A fixed-indexed annuity The Simple Summary 3 Things to Know About the American Legend III: Accepts additional purchase payments Provides
More informationNORTH AMERICAN CHARTERSM 10 FIxEd INdEx ANNUITY 16760Z PRT 08-12
NORTH AMERICAN Charter SM 10 Fixed INDEX ANNUITY 16760Z PRT 08-12 North American Charter sm 10 The North American Charter SM 10 is a flexible premium, fixed index annuity that offers you the ability to
More informationBuyer s Guide for Deferred Annuities
ACTION: Final ENACTED DATE: 10/14/2014 12:28 PM Appendix 3901614 3901-6-14 1 APPENDIX C Buyer s Guide for Deferred Annuities What Is an Annuity? An annuity is a contract with an insurance company. All
More informationAssured Income 7 SM Fixed Index Annuity. Delaware Life. Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Assured Income 7 SM Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company NOT FDIC/NCUA INSURED MAY LOSE VALUE NO BANK/CREDIT UNION GUARANTEE NOT A DEPOSIT NOT
More informationANICO. Annuity PLUS. A Multi-Strategy Indexed Annuity Issued By American National Insurance Company
ANICO Strategy 10 Indexed Annuity PLUS A Multi-Strategy Indexed Annuity Issued By American National Insurance Company Your Life... Your Strategies... ANICO Strategy Indexed Annuity PLUS 10 You ve come
More informationMORE INCOME NOW AND OVER TIME
MORE INCOME NOW AND OVER TIME with Enhanced Income Select Optional Benefit with Pacific Life Variable Annuities VAP0512-0219 ENHANCED INCOME SELECT A Pacific Life variable annuity with Enhanced Income
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More informationAssuranceSelect 5 A fixed-indexed annuity from Great American Life Insurance Company
AssuranceSelect 5 A fixed-indexed annuity from Great American Life Insurance Company Uncomplicate Retirement 1 2 Photo submitted by Ken from Florida, Great American customer since 2012. Help Secure Your
More informationAmerican Custom 10 A fixed-indexed annuity
Issued by Great American Life Insurance Company American Custom 10 A fixed-indexed annuity 3 Things to Know About the American Custom 10: Choose from multiple interest crediting strategies Provides penalty-free
More informationNAIC National Association of Insurance Commissioners
Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory officials. This association helps
More informationAnnuity. InfiniDex 10 TM. Statement of Understanding
Allianz Life Insurance Company of North America PO Box 596 Minneapolis, MN 5559-6 8.95.772 InfiniDex TM Annuity Statement of Understanding 2Thank you for considering the InfiniDex Annuity from Allianz.
More informationInCommandDex TM. Annuity. Growth. Safety. Control. Allianz Life. Better income management. A flexible-premium, equity-indexed income annuity CB
Allianz Life InCommandDex TM Annuity A flexible-premium, equity-indexed income annuity. CB50590 2 Page 1 of 12 Longer lives require new ways of managing income. Why is this important to you? Biggest mistakes
More informationContract Year % 6% 5% 4% 3% 0% 7% 6% 5% 4% 3% 2% 1% 0%
PACIFIC SM INDEX ADVISORY A Deferred, Fixed Indexed Annuity Purchase Payments Age Guidelines Initial Guaranteed Periods Limited-premium, fixed indexed annuity. 1035 exchange/transfer requests must be submitted
More informationAmerican Landmark 5 Plus A fixed-indexed annuity from Great American Life Insurance Company
American Landmark 5 Plus A fixed-indexed annuity from Great American Life Insurance Company Uncomplicate Retirement 1 Help Secure Your Retirement With The American Landmark 5 Plus A fixed-indexed annuity
More informationIndexed Universal Life
Understanding Indexed Universal Life We are building insurance around you. SM 14888 8/11 1 You may be surprised about what indexed universal life insurance can help you do. It can help you... provide financial
More informationEnter retirement with confidence
Nationwide High Point 365 Lifetime Income Benefit rider Lifetime Income Overview Enter retirement with confidence Nationwide New Heights 12 fixed indexed annuity with Nationwide High Point 365 provides
More informationEntity Agent Deferred Compensation overview
Allianz Life Insurance Company of North America Entity Agent Deferred Compensation overview You can set aside money for your future and we will too. P For financial professional use only. Not for use with
More informationPlan to grow your retirement income
Plan to grow your retirement income with a Prime Income Optimizer TM fixed indexed annuity LINCOLN ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency
More informationYour guide to Nationwide New Heights Fixed Indexed Annuity
Your guide to Nationwide New Heights Fixed Indexed Annuity Nationwide High Point 365 Lifetime Income Benefit rider Nationwide High Point Enhanced Death Benefit rider This product is not effective until
More informationAmerican Legend 7 A fixed-indexed annuity from Great American Life Insurance Company
American Legend 7 A fixed-indexed annuity from Great American Life Insurance Company 1 2 Photo submitted by Catherine from Connecticut, Great American customer since 2009. Help Secure Your Retirement With
More informationTarget Income 10. Fixed Index Annuity Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Target Income 10 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company The Retirement Planning Challenge: Creating Income That Lasts Retirement will likely be
More informationLife Insurance YOUR LIFE CHOICES
Life Insurance YOUR LIFE CHOICES Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products are issued by Securian Life Insurance Company, a
More informationINTEREST ENHANCED DEATH BENEFIT
INTEREST ENHANCED DEATH BENEFIT Guaranteed Growth for Your Loved Ones, Regardless of Market Performance Optional Benefit with Pacific Life s Fixed Indexed Annuities for New Jersey, Ohio, Pennsylvania,
More informationYour guidance helps clients know the difference.
ALL GUARANTEES ARE NOT CREATED EQUAL. Some investment guarantees make complex promises with fees to match. Others deliver the clarity and protection investors deserve. Your guidance helps clients know
More informationAllianz Life Pro+ Agent guide. Fixed Index Universal Life Insurance Policy. Allianz Life Insurance Company of North America M-5345.
Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Allianz Life Pro+ Fixed Index Universal Life Insurance Policy Agent guide M-5345 Page
More informationBuilding financial freedom using the Freedom Builder fixed indexed annuity
Building financial freedom using the Freedom Builder fixed indexed annuity Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O.
More information