THE TWH UPDATE CARRIER UPDATES

Transcription

1 THE TWH UPDATE June 2015 President s Message Did you know? According to LIMRA close to half of those that purchased annuities did so in order to plan for future income? Last year a record $235 billion went into annuity purchases in out of 6 annuity buyers are satisfied with their indexed annuities and 85 percent are likely to recommend an annuity if asked? Nearly $10 Trillion is estimated to be on the sidelines in the form of CD s and money market accounts. The advantages of higher guaranteed earnings in fixed annuities and higher potential earnings in index linked annuities both with tax deferred growth are perfect alternatives to low yielding taxable CD and money market interest rates. Annuities are a great way to increase returns on clients lazy money. Heads Up! Senator Elizabeth Warren is seeking information on compensation for annuity sales Companies offering vacations, ipads, cruises and more as incentives to sell their annuity products are being investigated by Senator Elizabeth Warren and her committee, to see if these incentives present a conflict of interest between the agent and the consumer. These kinds of incentives have been prohibited for the sale of securities since 2003, but not for the sale of annuities. The Warren letter and the actions currently being proposed by the Department of Labor (fiduciary standards) are harbingers of further federal regulation of the sale of annuities. F&G Prosperity Elite Features Superior d Death Benefits Protection at Death: Enhanced d Minimum Death Benefit Rider At the death of the owner, the beneficiary can choose to receive either: Payouts taken over at least 5 years (10 years if the contract was issued at age 71 or older) is the greatest of: The minimum guaranteed surrender value, or The initial, plus any applicable bonus, or The initial only growing with 6.5% compound interest up to the earliest of 10 years, age 85, or the beginning of the withdrawal period, whichever comes first. Any additional s will not count toward the GMDB value. The guaranteed lump sum Death Benefit the greater of the accumulation value or 4% Simple interest for 10 years or the annuitants age 85. o The Roll up rate of 6.5% can be taken as a death benefit after the contract is in force 5 years and payable over 5 years (10 years if contract was issued after age 71). CARRIER UPDATES F&G Simplicity Elite Check out page 12 of this month s newsletter. The Simplicity Elite product line offers a 10% simple interest roll up plus a 3% simple interest death benefit guaranty. Great payout combined with guaranteed death benefit, super commissions. Sweet! Equitrust Announces Roll up rates reduced to 6%, payout options reduced by 25 basis points North American s New Annuities Check out the two new annuities just added to this month s edition on page 8 The Perfomance Choice and the Income Choice. Or call us for details at Voya Summer Commission Increase: Effective June 8 th, The Voya Secure Index Seven and Voya Wealth Builder 8 have increased commissions by 50 basis points. Tip Huffman Page 1

2 2015 Elite Producers Club and TWH Choice Rewards TWH Agency is proud to offer you two outstanding benefit programs. Our TWH 2015 Elite Producers Club is focused on helping you grow your business through additional cash rewards and earned continuing education (C.E.) credits. Our TWH Choice Rewards Program awards you credits which can be redeemed for merchandise or trips! The TWH Elite Producers Club Marketing Allowance Plan Four levels of cash bonus! es paid as earned! Up to $6,000 extra cash! Four levels of increased compensation to help you with your marketing costs. Whether it s to fund a lead program or upgrade your technology, this plan will help you build a more successful business! Level Requirements Earned Cumulative I II III IV $500,000 of annuity $1,000,000 of annuity $2,000,000 of annuity $3,000,000 of annuity Earned $500 $500 $1,000 $1,500 $1,500 $3,000 $3,000 $6,000 Gold Companies 100% Credits Allianz, American Equity, Forethought, Great American, Legacy Products, National Western Life, North American, Fidelity & Guaranty Life Ins. Co., and Reliance Standard. All other companies credit at 50%. Rules: This plan is for top GA contracts and writing agents only. TWH Agency reserves the right to modify or terminate this plan at any time. All final decisions are at the discretion of TWH Agency. This plan is for paid business only, from 01/01/2015 through 12/31/2015. All payouts and awards will be as earned. One bonus level per producer. All Annuity and Single Life Insurance business with surrender periods of 7 years or more earn 100% Credits. Credits will be reduced proportionately for older age cases by the amount of commission reduction. Plans with less than 7-year duration, MYG annuities and immediate annuities will be credited at 50%. Qualification for initial membership will be $500,000 of qualified With TWH Choice Rewards, you can win whatever you want - whenever you want it! With TWH Choice Rewards you can build your own prize! $500,000 of qualifying paid gets you started, with 50,000 points as your initial account balance. After that, throughout 2015, you will be awarded an additional 1,000 points for each $10,000 of qualifying paid. Here are just two examples of what you can get with your TWH Choice Rewards points: Callaway DIABLO EDGE Hybird 19,000 points Samsung p LCD TV - 62,500 points Points will be credited monthly and will reflect the previous month s qualifying paid. You can choose from thousands of items or have your points credited to a Personal Buying Service. The Personal Buying Service allows you to have your points used toward anything your heart desires: hotel rooms, jewelry, airline tickets, etc. The more points you earn, the more choices you have! Once you are notified of your eligibility, just log on to and start shopping! Qualifying production must be reported paid between January 1, 2015 and December 31, Choice Rewards points are available for top GA and writing agents only. All annuity and single life insurance business with surrender periods of 7 years or more earn 100% Choice Rewards points. 100% credit for polices written through Allianz, American Equity, Forethought, Great American, Legacy Products, National Western Life, North American, Fidelity & Guaranty Life Ins. Co., and Reliance Standard. All other companies production will be credited at 50%. Choice Rewards Points will be reduced proportionally for older age cases by the amount of the commission reduction. Plans with less than 7-year duration, MYGA annuities and immediate annuities will be credited at 50%. TWH reserves the right to modify or terminate plan at any time. Choice Rewards points may be awarded as part of special promotions at the sole discretion of TWH Agency. Minimum value of 10,000 points required for initial redemption. Point will expire within 24 months if no additional point are earned Page 2

3 A guide to companies, products, rates and additional information. For more information, call RATE / YIELD American Equity Standard & Poors BBB+ Gold 10% S&P yr. pt to pt w/part. Rt. 20% 1 yr. pt to pt w/cap 2.50% Annual Monthly Average w/cap 2.50 % Annual Monthly Average w/pt. Rt. 30% Monthly pt to pt w/cap 1.40% DOW Annual Monthly Average w/cap 2.50% 1 yr. pt to pt w/cap 2.50% Lehman Br. U. S. Annual pt to pt w/cap 2.25% Fixed rate 1.15% $5,000 NQ 3% on 80% of 1 st yr & 1.50% on 87.5% of subsequent s Years 20, 19.5, 19, 18.5, 18, , 16, 15, 14, 12, 10, 8, 6, 4, 2% At Issue % Trails Year % Year % % Trails Year 1.75% Year 2.75% Retirement Gold 8% Unvested Call for Details S&P yr. pt to pt w/part. Rt. 15% 1 yr. pt to pt w/cap 2.25% Monthly Average w/cap 2.25% Monthly Average w/part. Rt. 25% Monthly pt to pt w/cap 1.20% Fixed rate 1.00% $5,000 NQ 1.50% on 87.5% of 1 st yr , 12, 12, 11, 10, 9, 8, 7, 6, 4% At Issue % Trails Year % Year % American General Fitch A+ Moody s A2 Standard & Poors A+ Power Index Plus S&P 500 <$100k 1 Year pt to pt Cap 2.75% Monthly pt to pt Cap 1.25% >$100k 1 Year pt to pt Cap 3.25% Monthly pt to pt Cap 1.45% $25,000 min Q $25,000 min NQ 1% on 87.5% of 0 80N/Q 0 80 Q 7 Years 8,7,6,5,4,3,2% Disability, Terminal Illness, & Extended care rider % Fixed 1.25% ALLIANZ Standard & Poors AA Moody s A2 MasterDex X 4% Vested 100% Participation 3 Indexes Nasdaq 100+, S&P 500*, Euro STOXX 50# Fixed Interest Account Monthly Sum Cap 1.00%+ / 1.00%* / 1.10# Annual Point to Point Cap 1.25%+ / 1.25%* / 1.50%# Blended 1.0% Monthly Average Spread Blended 5.25% Years 1 5 $20,000 NQ/Q 3% on 75% of 1st yr 3% on 87.5% of subsequent s , 10, 10, 8.75, 7.50, 6.25, 5.00, 3.75, 2.50, 1.25% 10% of after year % %.70% for Fixed Interest Endurance Plus 20% EWB 100% Participation 3 Indexes Nasdaq 100+, S&P 500*, FTSE 100# Fixed Interest Account Monthly Sum Cap 1.4%+ /2.00%* / 1.5%# Annual Point to Point Cap 2.25%+ / 2.25%* / 2.75%# Blended 2.50% Monthly Average Spread Blended 3.75% Years 1 3 $10,000 NQ 1.5% on 90% of , 10, 10, 8.25, 7.50, 6.25, 5, 3.75, 2.50, 1.25% 10% of after year % % 1.25% for Fixed Interest ratings are effective December 31 st Page 3

4 Indexed Annuity Rates & Data (continued) PARTICIPATION RATE Products distributed through Legacy Marketing Group Americo Life A.M. Best A *LibertyMark 10 #LibertyMark 10 Plus (5% 10% Accumulation in most states on the 10 Plus only) S&P 500 One-Year Point-to- Point Inversion Strategy *6.25% / #3.40% Cap S&P 500 One-Year Point-to- Point Strategy *4.75% / #2.90% Cap/100% PR DJ One-Year Real Estate Monthly Avg. Strategy *75% / #50% PR Gold Strategy *5.25% / #2.80% Cap One-Year *2.40% / #1.50% *#Initial: *# 1.00% on 100% of * #0-80 * 12, 11.50, 11, 10.50, 10, 9, 8, 7, 6, 5, 0% # 13, 13, 12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6.5, 5.5, 0% *# 0-80: *8.00% / #7.00% 81-85: *7.00% / #0% ratings are effective December 31 st Page 4

5 Indexed Annuity Rates & Data (continued) Fidelity & Guaranty Life Insurance Co A.M. Best B++ (Very Good) for financial strength rating (5 th highest of 16 ratings) Prosperity Elite 7 0, 2, or 4% Vested (Reduced 50% at age 76) PARTICIPATION RATE Seven Crediting Choices 1.) S&P year monthly point-to-point subject to a monthly cap of 1.35% 2.) S&P500 Gain Interest 2.50% 3.) S&P500* CAP 3.00% 4.) S&P500+ CAP 2.75% Annual Fixed Rate 1.25% * Monthly Averaging + Point to Point $2,000 min allocation 1.00% on 87.5% of Years 10, 9, 8, 7, 6, 5, 4% (Nursing Home Waiver) (Home Health Care Waiver) 10% after year.1 Age % Age % Age % Prosperity Elite 10 0, 3, or 6% Vested (Reduced 50% at age 76) Seven Crediting Choices 1.) S&P 500 I year monthly pointto-point subject to a monthly cap of 1.50% 2.) S&P500 Gain Interest 2.75% 3.) S&P500* CAP 3.25% 4.) S&P500+ CAP 3.00% Annual Fixed Rate 1.50% * Monthly Averaging + Point to Point $2,000 min allocation 1.00% on 87.5% of , 11, 10, 9, 8, 7, 6, 5, 4, 3% (Nursing Home Waiver) (Home Health Care Waiver) 10% after year.1 Age % Age % Age % Prosperity Elite 14 0, 4, or 7% Vested (Reduced 50% at age 76) Seven Crediting Choices 1.) S&P year monthly point-to-point subject to a monthly cap of 1.60% 2.) S&P500 Gain Interest 2.75% 3.) S&P500* CAP 3.50% 4.) S&P500+ CAP 3.25% Annual Fixed Rate 1.50% * Monthly Averaging + Point to Point $2,000 min allocation 1.00% on 87.5% of Years 14.75, 13.75, 12.75, 11.75, 10.75, 10, 9, 8, 7, 6, 5, 4, 3, 2% (Nursing Home Waiver) (Home Health Care Waiver) 10% after year.1 Age % Age % Age % Performance Pro 9% Vesting (Reduced 50% at age 76) FG Index Choice 10 3% Safe Income Plus 5% Accumulator Plus 14 (10 year also available) 1 Year S&P 500 Monthly PTP 1.75% 1 Year S&P Point-to-Point Cap 3.75% 1-Year Gold Point-to-Point 4.00% 2 Year S&P Point-to-Point Cap 7.00% 3 Year S&P Point-to-Point Cap 12.00% DJ U.S Real Estate Risk Control 10% Index 18.25% Fixed (floating rate) 1.50% 1, 2, or 3 year reset annual point to point. W/cap 1 yr reset 3.00% Cap 2 yr reset 5.50% Cap 3 yr reset 8.75% Cap Annual Reset S&P500 * CAP 3.25% S&P500 + CAP 1.50% Annual Fixed Rate 1.25% * Monthly Averaging + Point to Point Monthly point to point. W/cap 1 yr reset 1.50% Cap S&P500 Gain Interest 2.50% S&P500 * CAP 3.25% S&P500 + CAP 3.00% Annual Fixed Rate 1.25% * Monthly Averaging + Point to Point Monthly point to point. W/cap 1 yr reset 2.00% Cap S&P500 Gain Interest 4.00% S&P500 * CAP 5.00% S&P500 + CAP 4.75% Annual Fixed Rate 2.00% * Monthly Averaging + Point to Point $2,000 min allocation 1.00% on 87.5% of $2,000 min allocation 1.80% on 100% of $2,000 min allocation 1.00% on 87.5% of $2,000 min allocation 1.00% on 87.5% of , 13, 12, 11, 10, 8, 6, 4, 2, 1, 0% (Nursing Home Waiver) (Home Health Care Waiver) 10 years 14, 13, 12, 11, 10, 8, 6, 4, 2, 1, 0% (Unemployment Waiver) , 11, 10, 9, 8, 7, 6, 5, 4, 3% (Unemployment Waiver) Years 14.75, 13.75, 12.75, 11.75, 10.75, 10, 9, 8, 7, 6, 5, 4, 3, 2% (Unemployment Waiver) 10% after year.1 10% after year 1 10% after year 1 10% after year 1 Age % Age % 1% Lower in AK MA NV OH OK SC UT 8.50% (Reduced > age 76) 4.25% to age % (Reduced > age 76) 5.45% to age % (Reduced > age 76) 4.00% to age 80 ratings are effective December 31 st Page 5

6 Indexed Annuity Rates & Data (continued) Equitrust Life Insurance A.M. Best B++ S&P BBB+ (Check state availability for MVA, riders, etc.) FORE THOUGHT Life Insurance - Genworth Standard & Poors A- # $ 25,000 Band * $100,000 Band + $250,000 Band Market Ten 6%, MVA, & ROP Market Twelve 6%, +2% for 3 years, & MVA Income % to the Income Account Secure Living Index 10 Plus (with MVA) 4% (vesting) 7 Year Also Available PARTICIPATION RATE All S&P500: Daily Avg. 3.25% Cap Monthly Avg. 40% Par.Rate. Monthly Cap 1.40% Annual Pt. to Pt. 3.00% Cap 2 Yr. Monthly Avg. 7.00% Cap 1 year fixed 1.20% All S&P500: Daily Avg. 3.25% Cap Monthly Avg. 35% Par.Rate. Monthly Cap 1.35% Annual Pt. to Pt. 3.00% Cap 2 Yr. Monthly Avg. 6.0% Cap 1 year fixed 1.00% Accumulation Account 1 yr. Monthly pt to pt w/cap 1.25%/1.25%*/1.50%+ 1 yr. pt to pt w/cap 2.50%/2.50%*/3.00%+ 1 Year Fixed 1.25%/1.25%*/1.50%+ $10,000+ Band * $25,000+ Band +$100,000+ Band Income Account 25% Year 1 Rates Monthly Cap: #1.20%, *1.40%, +1.50% Annual Cap: #2.70% *3.20%, +3.40% Performance Trigger: #2.00%, *2.50%, +2.70% Cap Max: #2.70%, *3.20%, +3.40% Multiplier 3.0% (year 2) 10-Year Fixed Rate: #1.20%, *1.50%, +1.60% $30,000 NQ $30,000 Q Minimums 1% on 100% of $30,000 NQ $30,000 Q Minimums 1% on 100% of $25,000 NQ/Q 3% on 87.5% of $25,000 NQ/Q 1% on 100% of Year Declining 10,10,10,10,10,9,8,7,6,4% (Return Of ) 14 Year Declining 20,20,19,19,18,17,16, 14,12,10,8,6,4,2% years 12, 12, 11, 10, 9, 8, 7, 6, 4, 2% years 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% 10% Beginning yr 1 Ages % 10% Beginning yr 1 Ages % Income Rider 8% Simple Rollup Max Cost is.80% Ages % Ages % Ages % Ages % Great American Life Insurance Safe Return Bailout Annual reset, 100% participation rate Pt to Pt 5.50% Cap Bailout Cap 3.00% Monthly Avg. 6.25% Cap Bailout Cap 3.00% 1 year fixed 1.35% $25,000 NQ/Q Min. 1% on 100% of years 10, 9, 8,7,6.5, 4, 3, 2, 1% Confinement Waiver Terminal Illness Waiver Return of 10% Beginning yr = 5.50% = 4.50% = 1.50% VOYA Insurance and Annuity (formerly ING) Fitch A- Standard & Poors A- Not Available in All States American Valor 10 2% VOYA Secure Index Opportunities Plus W/MVA * $75,000 Ban Annual reset, 100% participation rate Pt to Pt 4.25% Cap Monthly Avg. 5.25% Cap 1 year fixed 1.10% 5% Benchmark Strategy Multiplier 1.25/2.00* 1 yr. pt to pt w/cap 1.50%/2.25%* Monthly Pt to Pt w/cap.35%/.90%* Fixed rate 1.05% Min. 1% on 100% of $15,000 NQ/Q 2.00% on 87.5% of years 10, 9, 8,7,6.5, 4, 3, 2, 1% Confinement Waiver Terminal Illness Waiver years 10,10,10,10,9,8, 7,6,5,4% Confinement Waiver 10% Beginning yr = 5.00% = 3.65% = 1.65% Ages % Ages % Call for details ratings are effective December 31 st Page 6

7 Lincoln Financial Group Lincoln National Life Ins. Co. + Fitch A+ Standard & Poors AA+ National Western Life Insurance Co. Standard & Poors A Products distributed through Legacy Marketing Group Phoenix Life A.M. Best B Indexed Annuity Rates & Data (continued) ratings are effective December 31 st Not for use as a consumer sales piece. Information is incomplete and could be misleading. Rates and commissions are subject to change. Products not available in all states. OptiPoint 8 W/MVA OptiPoint 10 W/MVA Ultra Future 9% Ultra Benefit 5% Ultra Classic Global Lookback * Option K: Weighted Lookback S&P 500, Euro Stoxx 50, Nikkei 225 and Hang Seng Indexes Call for Details New CommandMark New CommandMark Plus 7% PARTICIPATION RATE 2% *3% 4 Accounts: Fixed Account 1.75% Performance Triggered 3.00% 2 yr Point-to Point 6.85% 2 yr Monthly Cap 2.55% *$100,000+ 3% *4% 4 Accounts: Fixed Account 1.75% Performance Triggered 2.65% 2 yr Point-to Point 6.85% 2 yr Monthly Cap 2.55% *$100,000+ Indexed Option A & D Annual Reset Option A: Month Average 85% PR Year 1 w/ 2.00% spread Option D: Monthly Pt to Pt w/cap 1.50% Option B: Fixed Rate 1.75% Indexed Option A & D Annual Reset Option A: Month Average 75% PR Year 1 w/ 2.20% spread Option B: Fixed Rate 1.10% Indexed Option A & D Annual Reset Option A: Month Average 100% PR Year 1 w/ 1.40% spread Option D: Monthly Pt to Pt w/cap 2.00% Option B: Fixed Rate 2.50% Indexed Options Annual Reset Option A: Month Average 85% PR Year 1 w/ 1.55% spread Option D: Monthly Pt to Pt w/cap 1.75% Option K: * Month Average 55% PR Year 1 w/ 1.30% spread Option B: Fixed Rate 1.90% Pt to Pt w/ cap 3.50% / 100% PR Rising Interest Strategy 3.90%/ 100% PR/ 5.25 Multiplier Gold Strategy 3.75% / 100% PR Fixed Rate 1.90% Pt to Pt w/ cap 2.50% / 100% PR Rising Interest Strategy 3.00%/ 100% PR/ 4.00 Multiplier Gold Strategy 2.50% / 100% PR Fixed Rate 1.40% $5,000 NQ $2,000 Q Minimums Fixed Account 1.6% Performance Triggered 2.5% 2 yr Point-to Point 7% 2 yr monthly cap 1% $5,000 NQ $2,000 Q Minimums Fixed Account 1.8% Performance Triggered 2.5% 2 yr Point-to Point 7% 2 yr monthly cap 1% 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% on 87.5% of 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% on 87.5% of 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% on 87.5% of 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% on 87.5% of $15,000 Minimum NQ $3,000 Minimum Q d rate 1.00% on 87.5% of (90% in CA) $15,000 Minimum NQ $3,000 Minimum Q d rate 1.00% on 87.5% of (90% in CA) Q 0-80 Annuitant 0-80 Owner If Different 0 79 (CA) (other approved states) 0 79 (CA) (other approved states) 8 Year Declining 9,8,7,6,5,4,3,2,% 10 Year Declining 10,9,8,7,6,5,4,3,2,1% 15 Years 19.25, 18.50, 17.75, 16.75, 15, 15.25, 14.50, 13.50, 12.75, 12, 10, 8, 6, 4, 2% 14 Years 16, 16, 15.75, 15, 14, 13.25, 12.50, 11.50, 10.75, 10, 8, 6, 4, 2% Extended Stay Rider Up to 75% of AV Issue Ages up Years 15, 14.75, 14, 13, 12.25, 11.25, 10.50, 9.75, 8.75, 8, 6, 4, 2% Extended Stay Rider Up to 75% of AV Issue Ages up , 8.25, 7.25, 6.25, 5, 4, 3, 2, 1% 15, 15, 14, 13, 12, 10, 9, 8, 7, 6, 0% 12, 12, 12, 11, 10, 9, 8, 7, 6, 5, 0% 10% Beginning yr 1 NQ/Q 0-74 = 5.00% N/Q = 3.25% N/Q = 1.75 N/Q 85 =.75% 10% Beginning yr 1 NQ/Q 0-74 = 6.00% N/Q = 3.95% N/Q 80 = 1.75% 10% after year.1 Cumulative to 50% 10% Beginning yr 1 NQ 0-75 = 5.00% NQ = 3.00% Q 0-70 = 5.00% Q = 1.50% Q =.25% NQ 0-75 = 6.00% NQ = 4.00% NQ = 1.50% Q 0-70 = 6.00% Q = 3.50% Q = 1.50% Q = 0.10% NQ 0-75 = 10.00% NQ = 8.50% Q 0-70 = 10.00% Q = 8.00% Q = 7.00% NQ 0-75 = 6.50% NQ = 4.50% Q 0-70 = 6.50% Q = 4.00% Q = 2.00% 0-75 = 7.00% 0-75 = 7.50% ratings are effective December 31 st 2014.Not for use as a consumer sales piece. Information is incomplete and could be misleading. Rates and commissions are subject to change and vary by state. Products not available in all states. Page 7

8 Indexed Annuity Rates & Data (continued) ratings are effective December 31 st Not for use as a consumer sales piece. Information is incomplete and could be misleading. Rates and commissions are subject to change. Products not available in all states. PARTICIPATION RATE North American Chicago, IL + S & P A+ Charter Series 14 Year (10% bonus) *10 Year (5% bonus) S&P 500, annual reset. Choice of daily average W/Cap 2.05%/2.00%* or Annual point-to-point W/Cap 2.05%/2.00%* Monthly point to point W/cap 1.15/1.10%* DJIA, annual reset. Choice of of daily average W/Cap 2.05%/2.00%* or Annual point-to-point W/Cap 2.05%/2.00%* S&P 400, Russell 2000, Nasdaq 100, DJ EuroSTOXX 50, and HINDSIGHT** indices also available Initial: $10,000 NQ $10,000 Q MGCV 1.50% on 87.5% of (Excluding ) 14 Year 0 75 CA Year year surrender 18, 18, 17, 15, 15, 15, 15, 14, 12, 10, 8, 6, 4, 2% 10-year surrender 15, 14, 13, 9, 8, 7, 6, 6, 5, 4% waived at death confinement waiver 14 Year 7.00% 10 Year % % Income Choice 10 (CA)!!Check For State Specifics!! Fixed Account: 1.05%/1.00%* ** Call for Details S&P 500, annual reset. Choice of Monthly average W/Par.Rate 40% Annual point-to-point W/Cap 2.50% Monthly point to point W/cap 1.35% DJIA Monthly average W/Par. Rate 40% DJIA Annual point-to-point W/Cap 2.00% S&P 400, London Gold, & Nasdaq 100 indices also available Initial: $50,000 NQ $50,000 Q MGCV.50% on 100% of (Excluding ) 10 Year year surrender 9, 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 3, 2, 1% waived at death 5% after year.1 10 Year Age % Age % Fixed Account: 1.40% MVA Performance Choice Also available with 7% bonus ( Performance Choice Plus ) S&P 500, annual reset. Choice of Annual point-to-point W/Cap 3.85% Monthly point to point W/cap 1.90% DJIA, Annual point-to-point W/Cap 3.30% S&P 400, Russell 2000, Nasdaq 100, and DJ EuroSTOXX 50 indices also available ** Call for Details Initial: $10,000 NQ $2,000 Q MGCV 1.00% on 100% of (Excluding ) 12 Year year surrender 10, 10, 10, 10, 10, 9, 8, 7, 6, 5, 4, 2% Age % Fixed Account: 1.95% MVA NA Ten 6% S&P 500, annual reset. Choice of Monthly average W/Cap 2.25% or Annual point-to-point W/Cap 2.10% Monthly point to point W/cap 1.30% DJIA, annual reset. Choice of Monthly average W/Cap 2.15% Annual point-to-point W/Cap 2.00% S&P 400, Russell 2000, Nasdaq 100, DJ EuroSTOXX 50, and HINDSIGHT** indices also available Initial: $10,000 NQ $2,000 Q MGCV 1.00% on 100% of (Excluding ) 10 Year year surrender 18, 16, 14, 12, 11, 10, 8, 6, 4, 2% waived at death confinement waiver 10% after year.1 10 Year Age % Age % Fixed Account: 1.25% ratings are effective December 31 st Page 8

9 Indexed Annuity Rates & Data (continued) ratings are effective December 31 st Not for use as a consumer sales piece. Information is incomplete and could be misleading. Rates and commissions are subject to change. Products not available in all states. PARTICIPATION RATE Reliance Standard Life Insurance + Fitch A- Standard & Poors A+ RSL Rewards Program Earn Travel to Anywhere! Call for Details Sagicor Life Insurance (-) Not Available in All States Keystone-5 Keystone-7 Keystone-10 Platinum Series Sage Advantage 5% 1 yr. pt to pt w/cap 3.60% 1 yr. pt to pt w/part. Rt. index credit 15% Monthly Average w/cap 4.10% Monthly Average w/part. Rt. index credit 20% Fixed rate 2.25% 1 yr. pt to pt w/cap 4.65% 1 yr. pt to pt w/part. Rt. index credit 20% Monthly Average w/cap 5.15% Monthly Average w/part. Rt. index credit 25% Fixed rate 2.35% 1 yr. pt to pt w/cap 5.15% 1 yr. pt to pt w/part. Rt. index credit 20% Monthly Average w/cap 5.65% Monthly Average w/part. Rt. index credit 25% Fixed rate 2.65% Global Advantage Strategy 20% Participation Rate 1 yr. pt to pt w/cap 4.0% Declared rate: 2% (guaranteed for 1 year) 1.00% on 100% of 1.00% on 100% of 1.00% on 100% of $2,000 NQ/Q 2.00% on 100% of Years 9,8,7,6,5% Confinement 25% Issue Age74 or Younger Terminal Illness Years 9,8,7,6,5,4,3% Confinement 25% Issue Age74 or Younger Terminal Illness ,9,8,7,6,54,3,2,1% Confinement 25% Issue Age74 or Younger Terminal Illness 9 years 8,8,8,8,7,6,5,3,1% No riders available 10% Beginning yr = 3.25% = 2.60% = 1.95% 10% Beginning yr = 4.50% = 3.60% = 2.70% 10% Beginning yr = 6.00% = 4.80%, Cumulative, to 50% 0-75 = 4.50% = 2.50% ratings are effective December 31 st Contracting Tips for Error-Free Application Processing The following are all items that can prevent your client application from being processed: Contracting Contact us to submit your contracting BEFORE taking an application Carrier Specific Training Most carriers are now requiring you to complete product and suitability training on their websites PRIOR TO solicitation. Anti Money Laundering Training Most carriers now require this training to completed annually. E&O Most carriers require E&O, so make sure you keep your certificate up to date. These items all need to be completed PRIOR TO the date on the client application. Ami Skogsberg, Agency Manager ext.203 Page 9

10 Page 10

11 A guide to companies, products, rates and additional information. For more information, call RATE / YIELD American General Fitch A+ Moody s A2 Standard & Poors A+ American Pathway MYG % yr % yr. 2-6 (2.20% Base) $5,000 NQ/Q 2.00% on 90% of 10,9,8,7,6,5,4,3,2,1% Extended Care Rider 10% Beginning yr = 3.00% = 1.70% = 1.20% American National Insurance Co. Standard & Poors A Palladium Century & Century1, 3, 5, & % 1 st Year 1) 2.50% 1 st Yr. 3) 4.50% 1 st Yr. 5) 6.50% 1 st Yr. 7) 8.50% 1 st Yr. (1.50% Base) Palladium Century $100 PAC min 1, 3, 5 & 7 $5,000 Min. Additions $100 PAC Min. 3.00% 0-80Q NQ P3 0-80Q/NQ U U& ,8,7,6,5,4,2,% 10,9,8,7,6,5,4,3,2,1,% 11,10,9,8,7,6,5,4,3,2,% 12,12,11,10,9,8,6,4,3,2,% 12,12,11,11,10,9,8,6,4,2,% (Hospital Confinement waiver, Nursing Home waiver, Terminal Illness Waivers) 10% after year 1 Century = 5.00% 1 = 7.00% 3 = 6.00% 5 = 5.00% 7 = 4.00% (reduced above age 74) Commissions on additional deposits. Call for details Palladium MYG W/MVA 5 Yr 2.20%* 6 Yr 1.50% 7 Yr 3.10%* 8 Yr 2.10% 9 Yr 3.90%** 10 Yr 2.80%* (* incl 1st yr bonus 1%) (** incl 1st yr bonus 2%) +.10 over $100,000 $5,000 Min. Min. 2.00% +.10 over $100,000 8,8,8,7,6,5,4,3,2,1,% (Confinement waiver, Disability waiver) 10% after year 1 5 Yr 2.50% 6 Yr 2.50% 7 Yr 2.50% 8 Yr 2.50% 9 Yr 3.00% 10 Yr 4.00% (reduced above age 79) WealthQuest Citadel Five Diamond 2.60%+ (1.60% base) +.10 over $100,000 $5,000 Min. Min. 2.00% +.10 over $100,000 Annuitant Owner no max age 5 Years 7,7,7,6,5% (Confinement waiver, Disability Waiver) 10% Beginning yr = 3.00% = 2.00% Genworth Life Insurance Fitch A- Standard & Poors A Moody s A2 WealthQuest Citadel Seven Diamond SecureLiving Liberty 1, 3 & 5 Yr Periods 3 Bands < $99, k 250k * > 250k # Bail Out Feature 3.60%+ (1.60% base) +.10 over $100,000 1 Yr. 2.50%/3.50%*/4.25%# Bail Out 1.50% 3 Yr. 2.10%/2.70%*/2.90%# Bail Out 1.50% 5 Yr. 1.90%/2.30%*/2.45%# Bail Out 1.50% No surrender charges if renewal rate falls below the bailout rate. $5,000 Min. Min. 2.00% +.10 over $100,000 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% Annuitant Owner no max age 7 Years 7,7,7,6,5, 4, 2% (Confinement waiver, Disability Waiver) 6 Years 9, 9, 8, 7, 6, 5% 10% Beginning yr = 3.50% = 2.50% 10% Beginning yr = 3.00% = 1.95% = 1.05% ratings are effective December 31 st What s the most powerful crediting method? Annual Point-to-Point? Monthly? Global Index? Do you know how to advise your clients when helping them select crediting methods? Should you only select one? Should you use the fixed interest allocation? How much should go in each bucket? These are all questions that depend on your client s needs and personality. We can help. Page 11

12 Fixed Annuity Rates & Data (continued) RATE / YIELD Fidelity & Guaranty Life Insurance Co A.M. Best B++ (Very Good) for financial strength rating (5 th highest of 16 ratings) FG -Plus Multi-year Surrender Value at Death FG - Platinum Multi-year 5 Yr 2.85% 7 Yr 3.40% (incl. 1st yr bonus 1%) W/MVA 3 Yr 1.25% 5 Yr 1.95% 7 Yr 2.50% W/MVA 3, 5, 7 yr. guarantee $5,000 Min. 5 yr. guarantee $5,000 Min Years 90 9, 8, 7, 6, 5, 4, 3% None for 30 day window after guaranteed period. Principal Only Surrender 9, 8, 7, 6, 5, 4, 3, 2, 1, 1,% None for 30 day window after guaranteed period. Principal Only Surrender (Terminal illness waiver, Confinement waiver Unemployment waiver) After year 1 all Accumulated Interest After year 1 all Accumulated Interest 5 Yr = 2.50% 7 Yr = 3.25% Reduced by 50% Ages Yr = 1.50% 5 Yr = 2.50% 7 Yr = 3.25% Reduced by 50% Ages Simplicity Elite: Vested up front (10 & 14 year plans) 3% Simple Interest d Death Benefit (10 years or to age 90) Simplicity Elite 7 Simplicity Elite % $10,000 Min. 10% on 87.5% 1.50% $10,000 Min. 10% on 87.5% Years 9, 9, 8, 7, 6, 5, 4% After year 1, 100% 10, 10, 10, 9, 8, 7, 6, 5, 4, 3% After year 1, 100% Age % Age % Age % Age % GLIB: 10% Simple for 10 years (Pays double for chronic illness) Simplicity Elite % $10,000 Min. 10% on 87.5% Years 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1% After year 1, 100% Age % Age % GUARANTY Income Life Insurance A.M. Best B Standard & Poors B AnnuiCare 10 1, 2, or 3% Interest *CSV at death or return of 3.15% Base 4.00% w/ 1% bonus 5.00% w/ 2% bonus 6.00% w/ 3% bonus 1 yr. guarantee $36,500 Min. NQ $50,000 Min Q d rate 1.00% 0-79 Q/NQ 10,9,8,7,6,6,5,4,3,2, % Up to 100% of the accumulated interest may be withdrawn or paid monthly Any withdrawals will reduce the Long- Term Care Insurance benefits 0-74 = 7.50% 6.50% 5.50% 4.50% = 5.50% 4.50% 3.50% 2.50% This product can be sold with or without the AnnuiCare rider. ratings are effective December 31 st Which Income Rider is The Best? There is no one best income rider! Surprised? Let me explain Choosing the best income rider depends on the specifics of each case. If there is a surrender penalty involved, then we would need a rider attached to an annuity with a bonus sufficient enough to offset that cost. If the income is going to be turned in in 1, 10, or 20 years, we would pick different riders for each of those timeframes. And, what about qualified funds? Joint lifetime income? A need for additional riders, like Long Term Care types of benefits? d death benefits needed? All are questions that would affect the selection of the best income rider. Give us a call. We can find the best selection every time. My direct number is Greg Skogsberg, CEO Page 12

13 Fixed Annuity Rates & Data (continued) RATE / YIELD National Western Life Insurance Co. Standard & Poors A Reliance Standard Life Insurance Earn Travel to Anywhere! Call for Details Future Assurance W/MVA Benefit Assurance W/MVA 11.21% (1.10% base) (10% 1st yr ) 6.16% (1.10% base) (5% 1st yr ) Eleos - MVA 3.30% (Inc. 1.50% 1st yr bonus) (1.80% base) Apollo - MVA 4.25% 4% Annuitization year 6 (2.25% base) 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% 5,000 Minimum/NQ 2,000 Minimum/Q d rate 1.00% 1 yr. guarantee $10,000 Min. d rate 1.00% 1 yr. guarantee $5,000 Min. d rate 1.00% Years 19.25, 18.50, 17.75, 16.75, 15, 15.25, 14.50, 13.50, 12.75, 12, 10, 8, 6, 4, 2% Confinement Waiver 14 Years 16, 16, 15.75, 15, 14, 13.25, 12.50, 11.50, 10.75, 10, 8, 6, 4, 2% Confinement Waiver 0-74 in IA & KY 0-74 in IA & KY 5 Years 8,7,6,5,4% +/- MVA (Confinement waiver issue ages 74 or below. 25% per Yr.) 7 Years 9,8,7,6,5,4,2% +/- MVA (Confinement waiver issue ages 74 or below. 25% per Yr.) 10% after year 1 NQ 0-75 = 5.00% NQ = 3.00% Q 0-70 = 5.00% Q = 1.00% Q =.50% 10% after year 1 NQ 0-75 = 8.00% NQ = 6.00% NQ = 3.50% Q 0-70 = 8.00% Q = 5.50% Q = 3.50% Q =.50% 10% Beginning yr = 3.25% = 2.60% = 1.95% 10% Beginning yr = 4.00% = 3.20% = 2.40% ratings are effective December 31 st Ask us about new sales tools being offered by NAILBA: Page 13

14 AM Best Rating Product Name At A Glance 1st Year Rate Rate Thereafter Average Annual Yield Older Ages Commission Call 3 Year Fidelity & Guaranty Life B++ F&G -Platinum 3 Year 1.25% 1.15% Yrs % 1.50% 4 Year Guaranty Income Life B Guaranty % 2.55% Yrs % 1.60% 5 Year American Equity A % 2.25% Yrs % 3.00% American National A Palladium MYG <100K/100K+ 2.20%/2.30% 1.20%/1.30% Yrs %/1.50% 2.50% Fidelity & Guaranty Life B++ FG-Plus 5 Year * 2.85% 1.75% Yrs % 2.50% Fidelity & Guaranty Life B++ FG-Platinum 5 Year 1.95% 1.85% Yrs % 2.50% North American A+ Choice %/2.45% 2.20%/2.45% Yrs %/2.45% 2.50% Reliance Standard A+ Electra 579 (temporarily suspended) Yrs % Sentinel Security Life B++ Personal Choice Annuity % % + Yrs % % The Standard A Secured Rate Ann 5 <100K/100K+ 1.50%/1.60% 1.50%/1.60% Yrs %/1.60% 4.00% The Standard A Focused Growth Ann 5 <100K/100K+ 2.25%/2.35% 2.25%/2.35% Yrs %/2.35% 3.00% 6 Year American National A Palladium MYG <100K/100K+ 1.50%/1.60% 1.50%/1.60% Yrs %/1.60% 2.50% Lincoln National A+ New Directions 6 <100K/100K+ 1.80%/2.00% 1.80%/2.00% Yrs %/2.00% 3.50% The Standard A Secured Rate Ann 6 <100K/100K+ 1.70%/1.80% 1.70%/1.80% Yrs %/1.80% 4.00% The Standard A Focused Growth Ann 6 <100K/100K+ 2.40%/2.50% 2.40%/2.50% Yrs %/2.50% 2.00% 7 Year American Equity A % 2.70% Yrs % 3.00% American National A Palladium MYG <100K/100K+ 3.10%/3.20% 2.10%/2.20% Yrs %/2.34% 2.50% Fidelity & Guaranty Life B++ FG-Plus 7 Year * 3.40% 2.30% Yrs % 3.25% Fidelity & Guaranty Life B++ FG-Platinum 7 Year 2.50% 2.40% Yrs % 3.25% North American A+ Choice %/2.60% 2.40%/2.60% Yrs %/2.60% 2.50% Sentinel Security Life B++ Personal Choice Annuity % % + Yrs % % 8 Year American National A Palladium MYG <100K/100K+ 2.10%/2.20% 2.10%/2.20% Yrs %/2.20% 2.50% Lincoln National A+ New Directions 8 <100K/100K+ 2.00%/2.10% 2.00%/2.10% Yrs %/2.10% 4.50% North American A+ Choice %/2.75% 2.50%/2.75% Yrs %/2.75% 2.50% 10 Year American National A Palladium MYG <100K/100K+ 3.00%/3.10% 2.00%/2.10% Yrs %/2.20% 4.00% North American A+ Choice %/3.00% 2.75%/3.00% Yrs %/3.00% 2.50% Sentinel Security Life B++ Personal Choice Annuity % % + Yrs % % VOYA A Choice<75K/75K+ 1.50%/2.50% 1.50%/1.50% Yrs %/1.60% 3.25% ratings are effective December 31 st * Requires Annuitization at death + Call for Details Call with any questions. For more information on all of our products and services, call us at : Tipton W. Huffman, CLU, ChFC, President x.205 Ami Skogsberg, Agency Manager x.203 Greg Skogsberg, CEO x.204 John Roberts, Director of Marketing x.206 Jaimie Thomas, Administrative Assistant x.103 For Agent Use Only. Rates are subject to change. Higher banding rate available on some products. Call for details. Page 14

15 Page 15

16 6200 E. Canyon Rim Road, Suite 203 Anaheim Hills, CA Creative Solutions for Independent Producers Savings Bank Life Insurance & Banner Life Check Out These Three Term Rate Examples: $1,000,000 Face Example: Term Life Annual for 20 years Male Preferred Plus NT SBLI BANNER West Coast Genworth Protective A. M. BEST A+ A+ A+ A+ A+ 40 $640 $645 $820 $670 $ $1,160 $1,185 $1,300 $1,219 $1, $1,810 $1,885 $1,909 $2,050 $2,050 A. M. Best A+ Rated 85% First Year Commission Easy to do Business with Call us for your next term quotes Page 16