One-Year Point-to-Point Interest Crediting Strategy
|
|
- Eric Douglas
- 5 years ago
- Views:
Transcription
1 S&P 500 Index One-Year Point-to-Point Interest Crediting Strategy For fixed index annuities A fixed index annuity (FIA) may be part of an appropriate strategy to help you retire on your own terms. FIAs provide the ability to receive interest credit based, in part, on the performance of an index and provide protection against market-based losses. When considering a fixed index annuity, it is important to evaluate the product s available interest crediting strategies, such as the S&P 500 Index, and to determine which strategy or combination of strategies works best for your specific retirement goals. What is S&P? Standard & Poor s (S&P) has been providing indices and credit ratings for more than 150 years. Its indices are relied upon by investors of all types to gauge the overall health of financial markets. The S&P U.S. Indices are a family of equity indices designed to measure the market performance of U.S. stocks trading on U.S. exchanges. The family is composed of a wide range of Dow Jones U.S. equity indices based on size sector and style. The S&P 500 Index (Large Cap), S&P MidCap 400 Index and S&P SmallCap 600 Index together comprise the S&P Composite S&P 500 Index The S&P 500 Index provides equity exposure to large-cap U.S. companies (generally those with a market cap of $6.1 billion or greater) for portfolio diversification. It is considered one of the most common benchmarks for the broader U.S. equity markets. It is a market-cap-weighted index of the 500 largest publicly traded companies in the U.S. by market value. However, it is also a floatweighted index, which means company market capitalizations are adjusted by the number of shares available for public trading. Additional considerations when purchasing an FIA: Fixed index annuities are typically meant for long-term savings purposes. They are insurance contracts, not registered securities or stock market investments. You are never invested in the index itself. Interest is credited based on the performance of the index and the criteria outlined in the index crediting strategy. The S&P 500 Index was created in 1957 and was the first U.S. stock market index based on market capitalization. Today, there are more than $2.2 trillion in assets associated with the index and more than $7.8 trillion benchmarked to the index, capturing 80% of total available market capitalization. FIA1281 (08-18) Global Atlantic
2 S&P 500 The S&P 500 one-year point-topoint strategy with either a cap or performance trigger credits interest to a fixed index annuity contract value at the end of each strategy term. You do not invest directly in the index. What is a cap? The cap is the highest rate of interest that will be credited to a fixed index annuity for the strategy term. Caps are declared in advance and guaranteed for the oneyear strategy term, but may change for future strategy terms. Caps will never be less than the Minimum Guaranteed Annual Index Cap described in the contract. What is a trigger rate? The trigger rate is an interest rate that is established at the start of the interest crediting period and credited as long as the Index return is positive. Trigger Rates are declared in advance and guaranteed for the one-year strategy term, but may change for future strategy terms. Trigger rates will never be less than the Minimum Guaranteed Annual Trigger Rate described in the contract. FIA1281 3
3 How the S&P 500 Index Works In order to be included in the S&P 500 Index, companies have to be listed on a U.S. stock exchange. At least 50% of a company s shares must be available for trading in order for it to be included in the index. These must be highly tradable common stocks. Also, the companies must have positive earnings reported over the most recent four quarters when added together. The S&P 500 Index is rebalanced on a quarterly basis in March, June, September and December. The S&P U.S. Indices are maintained by the U.S. Index Committee, which consists of full-time professional members of S&P Dow Jones Indices staff. The committee meets monthly. At each meeting, the Index Committee reviews pending corporate actions that may affect companies included in the S&P 500 Index, statistics comparing the index to the market, companies that are being considered as candidates for addition to the index and any significant market events. Some of the top-weighted companies included in the S&P 500 Index are: Apple, Microsoft, Amazon, Facebook, Berkshire Hathaway, JP Morgan Chase, Exxon Mobil, Alphabet (Google parent) and Johnson & Johnson, just to name a few. The top sectors included in the S&P 500 Index are information technology, financials, health care and consumer discretionary (which includes companies like Amazon) and energy. FIA1259
4 Historical performance of the S&P 500 Index and hypothetical performance of fixed index annuity interest crediting strategies The below chart illustrates the last 10 years of historical returns of the S&P 500 Index and how an FIA product with the S&P 500 One-Year Point-to-Point with Cap and One-Year Point-to-Point with Performance Trigger would have performed. Fixed Index Annuity Interest Crediting Strategy Return Years S&P One-Year Actual Return One-Year Point-to-Point with Cap at 6% 1 One-Year Point-to-Point with Performance Trigger at 5% % 0.00% 0.00% % 6.00% 5.00% % 6.00% 5.00% % 0.00% 0.00% % 6.00% 5.00% % 6.00% 5.00% % 6.00% 5.00% % 0.00% 0.00% % 6.00% 5.00% % 6.00% 5.00% Past performance is not indicative of future results. When Index performance is negative for any one-year period, Forethought fixed index annuity interest credit will be 0.00%. 1 Interest will be capped at 6.00% if the Index returns exceed 6.00%. The chart shows historical performance of the S&P 500 Index based on annualized calendar year performance for the time period from 1/1/2008 through 12/31/2017. Different purchase dates will result in different index returns. The Fixed Index Annuity interest crediting strategy return results reflect the interest that Forethought would have credited for a hypothetical fixed index annuity product with the applicable cap or performance trigger for the time period indicated. The cap rates are not guaranteed and are subject to a 1% minimum for the One-Year Point-to-Point with Cap crediting strategy based on the S&P 500 Index. The trigger rates are not guaranteed and are subject to a 1% minimum for the One-Year Point-to-Point with Performance Trigger crediting strategy based on the S&P 500 Index. 2
5 Global Atlantic Financial Group Global Atlantic Financial Group, through its subsidiaries, offers a broad range of retirement, life and reinsurance products designed to help our customers address financial challenges with confidence. A variety of options help Americans customize a strategy to fulfill their protection, accumulation, income, wealth transfer and end-oflife needs. Global Atlantic was founded at Goldman Sachs in 2004 and separated as an independent company in Its success is driven by a unique heritage that combines deep product and distribution knowledge with leading investment and risk management, alongside a strong financial foundation.
6 globalatlantic.com This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It s not acting in any fiduciary capacity with respect to any contract and/or investment. This brochure must be preceded or accompanied by the applicable fixed index annuity product brochure and interest crediting strategy flyer. Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product s benefit rules, as applicable. Strategy availability may vary by state and firm. A fixed index annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments or index. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult a tax or legal counsel for advice. Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals may reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal. If you are investing in a fixed index annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a fixed index annuity. Under these circumstances, you should only consider buying a fixed index annuity if it makes sense because of the annuity s other features, such as lifetime income payments and death benefit protection. The S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates ( SPDJI ) and has been licensed for use by Forethought Life Insurance Company. Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicenses for certain purposes by Forethought Life Insurance Company. Forethought Life Insurance Company s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. Indices are not available for direct investment. Rider form FA , ICC17-FA , FA and ICC17-FA Fixed index annuities are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana. Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations. Not a bank deposit Not FDIC/NCUA Insured Not insured by any federal government agency No bank guarantee May lose value Not a condition of any banking activity FIA1281 (08-18) Global Atlantic
Index Bonus 115. Fixed Index Annuity. Issued by Forethought Life Insurance Company
Index Bonus 115 SM Fixed Index Annuity Issued by Forethought Life Insurance Company FIA1106 (5-16) 100665-3 2016 Global Atlantic Retirement is a time to change the pace. You can set aside the daily routine
More informationEngaging Conversations: Accumulation Planning
3 Source: investopedia.com/calculator/fvcal.aspx. Based on annual compound interest Engaging Conversations: Accumulation Planning ACCUMULATION: A DOWNSIDE MARKET PROTECTION STRATEGY Building your savings
More informationIncome 150+ SM. Fixed Index Annuity. Issued by Forethought Life Insurance Company. FIA1086 (05-16) Global Atlantic
Income 150+ SM Fixed Index Annuity Issued by Forethought Life Insurance Company FIA1086 (05-16) 100331-3 2016 Global Atlantic Your morning routine can last all day. Retirement is a special time when the
More informationELITE CHOICE And ELITE CHOICE REWARDS Crediting Methods
Fixed index Annuities ELITE CHOICE And ELITE CHOICE REWARDS Crediting Methods Not FDIC/NCUA insured May lose value Not bank/cu guaranteed Not a deposit Not insured by any federal agency Jackson ELITE CHOICE
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 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 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 informationNorth American Charter SM Plus II
North American Charter SM Plus II Annuity Disclosure Statement Thank you for your interest in the North American Charter SM Plus II Annuity from North American Company for Life and Health Insurance. It
More informationDelaware Life. Retirement Stages 7 Fixed Index Annuity. Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Retirement Stages 7 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company 1 Delaware Life Delaware Life is dedicated to supporting you with valuable, straightforward
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 informationFLEXIBLE PREMIUM DEFERRED FIXED INDEXED ANNUITY
ANNUITY PRODUCTS PRODUCT OVERVIEW Marquis Centennial FLEXIBLE PREMIUM DEFERRED FIXED INDEXED ANNUITY LL-2280 (02/19) Marquis Centennial FLEXIBLE PREMIUM DEFERRED FIXED INDEXED ANNUITY PREPARING FOR A SECURE
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 informationNo annual contract, mortality & expense, or administrative fees. 9% 8% 8% 7% 6% 0% 9% 8% 8% 7% 6% 4% 4% 0%
PACIFIC SM INDEX FOUNDATION A Deferred, Fixed Indexed Annuity Purchase Payments Age Guidelines Initial Guaranteed Periods Withdrawal Charges & Fees Limited-premium, fixed indexed annuity. 1035 exchange/transfer
More informationBuild a retirement savings plan with growth potential
Nationwide New Heights fixed indexed annuities Index and Strategy Growth Opportunities Build a retirement savings plan with growth potential Nationwide New Heights fixed indexed annuities provide multiple
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 informationDelaware Life Target Income 10 SM. Fixed Index Annuity. Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Target Income 10 SM Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company What Is a Fixed Index Annuity? A fixed index annuity (FIA) is long-term contract with
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 informationINTEREST ENHANCED INCOME BENEFIT
INTEREST ENHANCED INCOME BENEFIT Guaranteed Lifetime Withdrawals, Regardless of Market Performance Optional Benefit Available with Certain Pacific Life Fixed Indexed Annuities FAC0996-0218 INTEREST ENHANCED
More informationDelaware Life. Retirement Stages 7 Fixed Index Annuity. Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Retirement Stages 7 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company 1 Delaware Life Delaware Life is dedicated to supporting you with valuable, straightforward
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 informationRetirement Chapters 10 Fixed Index Annuity
Retirement Chapters 10 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company Delaware Life Delaware Life is dedicated to supporting you with valuable, straightforward
More informationDelaware Life Assured Income 7 SM Fixed Index Annuity
Delaware Life Assured Income 7 SM Fixed Index Annuity Personalized Hypothetical Annuity Illustration Prepared For Valued Client Prepared On January 20, 2018 Prepared By Valued Producer Producer Firm 1601
More informationInterest Rates. Fixed, Fixed Index and Income Annuities SEPTEMBER 17, For more information call: SALES SEPTEMBER 2018
SEPTEMBER 2018 Fixed, Fixed Index and Income Annuities Interest Rates Issued by Forethought Life Insurance Company SEPTEMBER 17, 2018 GREEN TEXT indicates a change in rates. BLACK TEXT indicates no change.
More informationNortheast Planning Associates
Jim Anza Regional Vice President Northeast Planning Associates LPL Financial New Hampshire January 19, 2017 EFAM-652 View important disclosures at the end of this presentation. Symetra Life Insurance Company
More informationCurrent Interest Rates & Caps Effective 6/19/2018
Current Interest Rates & Caps Effective 6/19/2018 Symetra Edge Pro Fixed Indexed Annuity 7 Year Surrender Charge Schedule Purchase Payment Initial Interest Rate Fixed Account Initial Cap $10,000-99,999
More informationTHE BEST DEFENSE IS AN FIA OFFENSE
THE BEST DEFENSE IS AN FIA OFFENSE See what s new about our strengthened lineup! RETIREMENT. IT S A TOUGH GAME. The opponents your clients may face include outliving their income, inflation and negative
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 informationNAC BenefitSolutions 14
NAC BenefitSolutions 14 Annuity Disclosure Statement Thank you for your interest in the NAC BenefitSolutions 14 Annuity from North American Company for Life and Health Insurance. It is important for you
More informationLifetime Income Benefit Rider
Eagle Life s Lifetime Income Benefit Rider With Optional Wellbeing Benefit Optional Income Rider EAGLE INSURANCE COMPANY Lifetime Income Benefit Rider An Optional Income Rider Fixed index annuities are
More informationA Flexible Legacy with Guaranteed Growth
Athene Annuity and Life Company A Flexible Legacy with Guaranteed Growth Guaranteed growth and flexible withdrawals help make the FamilyEndowment Rider a powerful option for your retirement plan. 57964
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 informationHelp protect your legacy. The Nationwide High Point Enhanced Death Benefit rider, available on Nationwide New Heights 12 fixed indexed annuity
Nationwide High Point Enhanced Death Benefit Guide Help protect your legacy. The Nationwide High Point Enhanced Death Benefit rider, available on Nationwide New Heights 12 fixed indexed annuity Not a deposit
More informationHelp protect your legacy. The Nationwide High Point Enhanced Death Benefit rider, available on the Nationwide New Heights 9 fixed indexed annuity
Nationwide High Point Enhanced Death Benefit guide Help protect your legacy. The Nationwide High Point Enhanced Death Benefit rider, available on the Nationwide New Heights 9 fixed indexed annuity Not
More informationSafeguardElite SM 7 fixed index annuity
SafeguardElite SM 7 fixed index annuity Innovative safeguards and elite benefits 27589Z REV 10-18 Steady progress, ready defenses SafeguardElite SM 7 fixed index annuity offers a combination of features
More informationNAC RetireChoice 10. Annuity Disclosure Statement
NAC RetireChoice 10 Annuity Disclosure Statement Thank you for your interest in the NAC RetireChoice 10 Annuity from North American Company for Life and Health Insurance. It is important for you to read
More informationIndextra Series. Fixed Indexed Annuity. Product Overview. Issuer: Integrity Life Insurance Company CF V(1708) 1/12
Indextra Series Fixed Indexed Annuity Product Overview Issuer: Integrity Life Insurance Company CF-90-50001-V(1708) 1/12 2/12 Consider a Path for Retirement Indextra Series Fixed Indexed Annuity Do you
More informationLincoln OptiBlend SM 10
Lincoln OptiBlend SM 10 Fixed indexed annuity illustration with Lincoln Income SM Edge & Market Adjustment Client's name: d Client Preparer: Carl Ostenson, Illinois Firm name: Date prepared: 01/19/2017
More informationAdvantage CLIENT GUIDE SINGLE PREMIUM FIXED INDEXED ANNUITY CL (03/17)
Advantage SINGLE PREMIUM FIXED INDEXED ANNUITY CLIENT GUIDE CL 5.2042 (03/17) 2 12 Advantage SINGLE PREMIUM FIXED INDEXED ANNUITY Do you seek confidence in the progress of your retirement savings efforts?
More informationING USA Annuity and Life Insurance Company Secure Index Five Disclosure (Flexible Premium Deferred Annuity)
Secure Index Five Disclosure (Flexible Premium Deferred Annuity) Contract Series Form Number: IU-IA-3033 Signatures are required on page 4. All pages must be submitted with the application and a copy retained
More informationIndex Bonus 115 Fixed Index Annuity NAIC Training Issued by Forethought Life Insurance Company. Effective January 2017
Index Bonus 115 Fixed Index Annuity NAIC Training Issued by Forethought Life Insurance Company Effective January 2017 This material is intended to provide educational information regarding the features
More informationRetirement Chapters 10 Fixed Index Annuity
Retirement Chapters 10 Fixed Index Annuity Personalized Hypothetical Annuity Illustration Prepared For Valued Client Prepared On February 6, 2017 Prepared By Valued Producer Producer Firm 1601 Trapelo
More informationGuaranteed Lifetime Withdrawal Benefit Summary Delaware Life Target Income 10 SM
GLWB Summary Guaranteed Lifetime Withdrawal Benefit Summary Delaware Life Target Income 10 SM Owner Valued Client Premium $100,000.00 GLWB Coverage Single Income Start Year 11 Income Life Age 1 65 The
More informationANNUITY PRODUCTS PRODUCT OVERVIEW. Marquis SP SINGLE PREMIUM FIXED INDEXED ANNUITY LL-2755 (10/16)
ANNUITY PRODUCTS PRODUCT OVERVIEW Marquis SP SINGLE PREMIUM FIXED INDEXED ANNUITY LL-2755 (10/16) 2 12 Marquis SP SINGLE PREMIUM FIXED INDEXED ANNUITY CHOOSE YOUR PATH FOR RETIREMENT Do you seek confidence
More informationINTEREST ENHANCED INCOME BENEFIT 2
INTEREST ENHANCED INCOME BENEFIT 2 Guaranteed Lifetime Withdrawals, Regardless of Market Performance Optional Benefit Available with Certain Pacific Life Fixed Indexed Annuities FAC0978-0218 INTEREST ENHANCED
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 informationHYPOTHETICAL VALUES MOST RECENT 10-YEAR PERIOD
HYPOTHETICAL VALUES MOST RECENT 10-YEAR PERIOD This table shows hypothetical contract and rider values based on historical performance. The values were calculated using the current caps, rates and rider
More informationRetirement Stages 7 SM Fixed Index Annuity
Retirement Stages 7 SM Fixed Index Annuity Personalized Hypothetical Annuity Illustration Prepared For Im A. Client Prepared On January 28, 2016 Prepared By Im A. Producer Delaware Life 1601 Trapelo Rd
More informationS&P 500 On Segment Maturity Date* Index Growth Rate*
The Hartford Indexed Universal Life Insurance Product Portfolio Interest Rates Product Name Hartford Frontier Indexed Universal Life Policy Form Numbers ICC10-1342, LA-1342, HL-19288(10)NY Information
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. Whether you are already enjoying retirement or are still
More informationFixed Annuity Product Guide
Fixed Annuity Product Guide 8109Z REV 2-16 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Products Included in this Guide: (not state-specific) Click the product to take you to
More informationNorth American Charter SM 14
North American Charter SM 14 Fixed Index Annuity Consumer Brochure 19067Z PRT 09-13 19067Z REV 12-13 North American Charter sm 14 The North American Charter SM 14 is a flexible premium, fixed index annuity
More informationIndexed Explorer Plus
Indexed Explorer Plus UNIVERSAL LIFE CLIENT GUIDE CL 5.1759 (12/18) 2 12 Indexed Explorer Plus UNIVERSAL LIFE A sense of financial stability for your family and a lasting legacy for the people and organizations
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 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 informationFacing a Less Favorable Market
Facing a Less Favorable Market We want to show how your indexed universal life (IUL) policy could perform if held during a less favorable market. For this reason, we have illustrated projected policy values
More informationNAC RetireChoice. Fixed Index Annuity. Consumer Brochure Z REV Z REV 9-14
NAC RetireChoice Fixed Index Annuity Consumer Brochure 1 19875Z REV 9-14 19875Z REV 9-14 Flexible Choices that Fit Most people dream about having a secure and comfortable retirement. And now because we
More informationA lifetime of income to help fulfill your retirement dreams
IncomeSure SM guaranteed lifetime withdrawal benefit IncomeSure benefit A lifetime of income to help fulfill your retirement dreams Available with a RiverSource fixed index annuity and issued by RiverSource
More informationNorth American Ten. Fixed Index Annuity. Consumer Brochure Z REV Z REV 12-13
North American Ten Fixed Index Annuity Consumer Brochure 1 15124Z REV 12-13 15124Z REV 12-13 North American Ten Are you seeking ways to direct your future retirement income today that will enable you to
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 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 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 informationProtective Secure Saver Rates effective - Available in all states except New York
Annuity Interest Notification Protective Annuities s are set every two weeks and may change without notice. Depending on market conditions, rate may be set more frequently. Protective Secure Saver s effective
More informationProtective Asset Builder
Protective Asset Builder Indexed Annuity Interest Crediting Strategies Protect and Grow Your Assets Financial security and a comfortable retirement depend on protecting and growing your assets. But many
More informationFIT Certain Income. Financially Independent for Tomorrow FLEXIBLE PREMIUM INDEXED ANNUITY. Helping you grow and protect your retirement savings.
Financially Independent for Tomorrow Helping you grow and protect your retirement savings. FIT Certain Income FLEXIBLE PREMIUM INDEXED ANNUITY Products issued by Life Insurance Company of the Southwest
More informationVoya Indexed Universal Life-Protector
calculation examples Values as of 07/28/2018 Voya ed Universal Life-Protector Issued by Security Life of Denver Insurance Company Required training! VFA Registered Representatives must review the Required
More informationRetirement Chapters 10
Retirement Chapters 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
More informationSurvivorship Builder. An indexed survivorship life policy. Issued by Accordia Life and Annuity Company SL2000 (01-19)
Survivorship Builder An indexed survivorship life policy Issued by Accordia Life and Annuity Company SL2000 (01-19) We believe in the essence of family. Your family may be a traditional one. It may be
More informationINDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity
PACIFIC INDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity FAC0265N10-1017 o WHY CHOOSE A FIXED INDEXED ANNUITY A fixed indexed annuity is a long-term contract between you and an insurance company that
More informationPerformance Choice 8 Plus
Performance Choice 8 Plus Fixed Index Annuity 25371Z-43 PRT 4-17 Retirement planning starts with the Performance Choice 8 Plus Choosing the right accumulation vehicle for retirement can be difficult, especially
More informationForeInvestors 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 informationTRANSAMERICA SECURE RETIREMENT INDEX ANNUITY AND OPTIONAL TRANSAMERICA INCOME PLUS LIVING BENEFIT
TRANSAMERICA SECURE RETIREMENT INDEX ANNUITY AND OPTIONAL TRANSAMERICA INCOME PLUS LIVING BENEFIT A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock
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 informationPerformance Pro. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
Performance Pro Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning ADV 1572 (12-2014) Fidelity & Guaranty Life Insurance Company Rev. 03-2015 14-987 Performance Pro Flexible
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 informationINDEX ADVISORYSM Deferred, Fixed Indexed Annuity
PACIFIC INDEX ADVISORYSM Deferred, Fixed Indexed Annuity FAC0059-0517 o WHY CHOOSE A FIXED INDEXED ANNUITY A fixed indexed annuity is a long-term contract between you and an insurance company that helps:
More informationTriVystaTM. Fixed Indexed Annuity. Navigating the retirement landscape.
TriVystaTM Fixed Indexed Annuity Navigating the retirement landscape. TriVystaTM Navigating the retirement landscape. Fixed Indexed Annuity The retirement landscape is changing. The days of the secure
More informationRetirement is more than a straight line
Retirement is more than a straight line A Fixed Indexed Annuity With Enhanced Benefits Rider 71006 Issued by Athene Annuity and Life Company, West Des Moines, IA (01/16) NMVA What is a fixed indexed annuity?
More informationAnnuities at. MNL IncomeVantage SM Fixed Index Annuity. Annuity. their Best
Annuity MNL IncomeVantage SM Fixed Index Annuity Annuities at their Best 19735Y PRT 10-14FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. The Income You Need - The Potential You Want
More informationNAC RetireChoice SM 14
NAC RetireChoice SM 14 Fixed Index Annuity Consumer Brochure 16108Z REV 07-12 16108Z REV 12-13 Flexible Choices that Fit Most people dream about having a secure and comfortable retirement. And now because
More informationSage Secure FIA. Fixed Indexed Single Premium Deferred Annuity CONSUMER BROCHURE. Wise Financial Thinking for Life
Sage Secure FIA Fixed Indexed Single Premium Deferred Annuity CONSUMER BROCHURE Wise Financial Thinking for Life Sage Secure FIA Consumer Brochure Wise Financial Thinking for Life Sagicor Life Insurance
More informationCommonwealth 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 informationNAC IncomeChoice SM. Fixed Index Annuity. Consumer Brochure Z PRT Z PRT 10-14
NAC IncomeChoice SM Fixed Index Annuity Consumer Brochure 1 19877Z PRT 10-14 19877Z PRT 10-14 The Income You Need The Potential You Want Like many individuals, you ve probably spent years saving for retirement
More informationNAC RetireChoice. Fixed Index Annuity. Consumer Brochure Z PRT Z PRT 9-15
NAC RetireChoice Fixed Index Annuity Consumer Brochure 1 22398Z PRT 9-15 22398Z PRT 9-15 Flexible Choices that Fit Most people dream about having a secure and comfortable retirement. And now because we
More informationNavigate your journey to and through retirement
Navigate your journey to and through retirement Voya Quest 7 Index Annuity A flexible premium deferred fixed index annuity with an optional guaranteed lifetime income rider issued by Voya Insurance and
More informationChoose a new path for your retirement future.
Choose a new path for your retirement future. Nationwide New Heights Fixed Indexed Annuity Guarantees and protections are subject to the claims-paying ability of Nationwide Life and Annuity Insurance Company.
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 Custom 10. a fixed-indexed annuity from Great American Life Insurance Company, a member of Great American Insurance Group
American Custom 10 a fixed-indexed annuity from Great American Life Insurance Company, a member of Great American Insurance Group B1105314NW Not FDIC or NCUSIF Insured No Bank or Credit Union Guarantee
More informationBuild your retirement plan to last a lifetime.
Build your retirement plan to last a lifetime. PHOENIX PERSONAL INCOME ANNUITY A single-premium fixed indexed annuity with lifetime income options For use by financial professionals with the general public.
More informationINDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity
PACIFIC INDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity FAC0265-0418 o WHY CHOOSE A FIXED INDEXED ANNUITY? A fixed indexed annuity is a long-term contract between you and an insurance company that helps:
More informationTaking Advantage of the Potential of Rising Rates. Voya Interest Rate Benchmark Strategy
Taking Advantage of the Potential of Rising Rates Voya Interest Rate Benchmark Strategy One of several interest crediting strategies available with the Voya Secure Family of Fixed Index Annuities issued
More informationNAC IncomeChoice 10 fixed index annuity
NAC IncomeChoice 10 fixed index annuity The income you need, the potential you want 25432Z-20 REV 1-19 Go for a retirement paycheck big enough for your life For all the tough choices you ve had to make
More informationFixed Reference Guide
Fixed Reference Guide Fixed, Fixed Indexed & Immediate Annuities MultiVantage New Momentum SPDA Series II IncomeSource Indextra Series Issuers: Integrity Life Insurance Company National Integrity Life
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 informationAnnuities at. MNL Endeavor Fixed Index Annuity. Annuity. their Best
Annuity MNL Endeavor Fixed Index Annuity 19732Y PRT 3-15 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Annuities at their Best All change is not growth, as all movement is not
More informationNAC IncomeChoice 7 Fixed Index Annuity
NAC IncomeChoice 7 Fixed Index Annuity The income you need, the potential you want 25431Z REV 1-18 Go for a retirement paycheck big enough for your life For all the tough choices you ve had to make in
More informationPerformance Choice. Fixed Index Annuity. Consumer Brochure Z PRT Z PRT 3-15
Performance Choice Fixed Index Annuity Consumer Brochure 1 19876Z PRT 3-15 19876Z PRT 3-15 Change is inevitable. Growth is intentional. Glenda Cloud Change is a constant throughout our lives. However,
More informationEnjoy today while protecting tomorrow
Indexed Annuity Care Enjoy today while protecting tomorrow Products and financial services provided by The State Life Insurance Company a OneAmerica company ICC15 I-26037B This is a solicitation of insurance
More informationMEMBERS Index Annuity
MEMBERS Index Annuity GUARANTEES, WITH FLEXIBILITY AND UPSIDE POTENTIAL Move confidently into the future IA-838877 2-065-077 A financial services company serving financial institutions and their clients
More informationBCA Elevate 12. Turn Your Inherited IRA Into Lifetime Income (08/18)
BCA Elevate 12 Turn Your Inherited IRA Into Lifetime 83096 (08/18) A New Option for Inherited IRAs What you do with your inheritance today can help create a more independent retirement years from now.
More informationAmeritas Accumulation 7 Index Annuity. Issued by Ameritas Life Insurance Corp. AN
Ameritas Accumulation 7 Index Annuity Issued by Ameritas Life Insurance Corp. AN 508-9 Helping grow your assets with protection 73% of retirees who own an annuity feel they are able to live the lifestyle
More information