Prepared For. Prepared On. Prepared By
|
|
- Homer Fleming
- 5 years ago
- Views:
Transcription
1 Prepared For John Client Prepared On August 5, 2013 Prepared By Joe nt Guaranteed Lifetime Riders Outlook Plus 5 Security Life (Advisor XL) Guaranteed Lifetime Withdrawal Rider Security Secure Annuity Freedom Rider
2 Overview General Information John Client, age 62 starts after 3 years at age 65 State: Colorado Premium $ 100,000 (non-qualified) For products that use market interest, a rate of 1.50% is used For products that use the CPI, an inflation rate of 2.00% is used Guaranteed Lifetime Riders Security Life (Advisor XL) Guaranteed Lifetime Withdrawal Rider Security Secure Annuity First year benefit: $7,277 Lifetime income value (30 Years): $218,303 Outlook Plus 5 First year benefit: $7,053 Lifetime income value (30 Years): $211,587 Freedom Rider First year benefit: $6,326 Lifetime income value (30 Years): $189,770 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 2 of 13
3 Payout By This report shows the value of waiting. Each year you wait the income you can receive will increase. The roll up rate will continue to grow and the payout rate will continue to increase for most riders. Security Life (Advisor XL) Guaranteed Lifetime Withdrawal Rider Security Secure Annuity With 8.00% Premium Bonus Outlook Plus 5 With 9.00% Premium Bonus Freedom Rider With 4.00% Premium Bonus Rollup Payout Single LifeTime Payment , , , , , ,677 Enhanced , ,277 14, , ,928 15, , ,634 17, , ,401 18, , ,232 20, , ,134 11, , ,112 12, , ,172 13, , ,321 14, , ,567 15, , ,917 16, , ,380 18, , ,964 19, , ,681 21, , ,539 23, , ,552 25, , ,732 27, , ,091 30, , ,644 32, , ,408 35, , ,398 38, , ,910 38, , ,422 39, , ,934 39, , ,446 40, , ,958 40, , ,977 Rollup ,000 Payout Single LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,580 Rollup ,000 Payout Single LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,043 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 3 of 13
4 Ledger Comparison The Ledger Comparison shows the values for each rider selected and the cumulative payout value at 5 year intervals. Security Life (Advisor XL) Guaranteed Lifetime Withdrawal Rider Security Secure Annuity With 8.00% Premium Bonus Outlook Plus 5 With 9.00% Premium Bonus Freedom Rider With 4.00% Premium Bonus Roll-up , , ,649 LifeTime Payment , , ,028 7, ,751 7, ,474 7, ,198 7,277 5 Year Total 36, ,921 7, ,644 7, ,367 7, ,091 7, ,814 7, Year Total 72, ,537 7, ,260 7, ,984 7, ,707 7, ,430 7, Year Total 109, ,153 7, ,876 7, ,600 7, ,323 7, , Year Total 145, , , , , , Year Total 181, , , , , , Year Total 218,303 Roll-up , , ,302 LifeTime Payment , , ,182 7, ,129 7, ,076 7, ,023 7,053 5 Year Total 35, ,970 7, ,917 7, ,864 7, ,811 7, ,758 7, Year Total 70, ,706 7, ,653 7, ,600 7, ,547 7, ,494 7, Year Total 105, ,441 7, ,388 7, ,335 7, ,282 7, , Year Total 141, , , , , , Year Total 176, , , , , , Year Total 211,587 Roll-up , , ,514 LifeTime Payment , , ,514 6, ,514 6, ,514 6, ,514 6,326 5 Year Total 31, ,514 6, ,514 6, ,514 6, ,514 6, ,514 6, Year Total 63, ,514 6, ,514 6, ,514 6, ,514 6, ,514 6, Year Total 94, ,514 6, ,514 6, ,514 6, ,514 6, ,514 6, Year Total 126, ,514 6, ,514 6, ,514 6, ,514 6, ,514 6, Year Total 158, ,514 6, ,514 6, ,514 6, ,514 6, ,514 6, Year Total 189,770 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 4 of 13
5 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Guaranteed Lifetime Withdrawal Rider Security Life (Advisor XL) Security Secure Annuity Year Begin Year Interest Rider Fee End Year Roll-up Guaranteed Lifetime Amount Total Enhanced Total End Year w/out Rider , , , , , , , , , , , , , , , , , ,277 7,277 14,554 14, , , ,188 95, ,028 7,277 14,554 14,554 29, , , ,119 88, ,751 7,277 21,830 14,554 43, , , ,050 81, ,474 7,277 29,107 14,554 58, , , , ,198 7,277 36,384 14,554 72, , , ,055 95,921 7,277 43,661 7,277 80, , , ,942 88,644 7,277 50,937 7,277 87, , , ,792 81,367 7,277 58,214 7,277 94, , , ,603 74,091 7,277 65,491 7, , , , ,376 66,814 7,277 72,768 7, , , , ,109 59,537 7,277 80,044 7, , , , ,802 52,260 7,277 87,321 7, , , , ,455 44,984 7,277 94,598 7, , , , ,067 37,707 7, ,875 7, , , , ,637 30,430 7, ,151 7, , , , ,153 7, ,428 7, , , ,876 7, ,705 7, , , ,600 7, ,982 7, , , ,323 7, ,258 7, , , , ,535 7, , , , ,812 7, , , , ,089 7, , , , ,365 7, , , , ,642 7, , , , ,919 7, , , , ,196 7, , , , ,473 7, , , , ,749 7, , , , ,026 7, , , , ,303 7, , ,915 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 5 of 13
6 Rider Description Guaranteed Lifetime Withdrawal Rider Security Life (Advisor XL) Security Secure Annuity The Security Secure Annuity issued by Security Life Insurance Company is designed to ease some of your financial concerns in retirement and offer you reassurance through a series of important features and guarantees: Guaranteed lifetime With your annuity, you can purchase an optional Guaranteed Lifetime Withdrawal Rider that guarantees you income for your lifetime and allows you to know the guaranteed minimum income you will have available under the Rider. It s important to know that taking out any excess withdrawals in any given year will reduce the guaranteed income you may withdraw under the Rider. Home Healthcare Doubler When you select the optional Guaranteed Lifetime Withdrawal Rider, if you become unable to perform at least two of the six basic activities of daily living, you can double the income you receive under the Rider for up to five years. This can help ease some of the concerns related to significant health issues as you age. There are conditions to this increase, including a two-year waiting period. Lifetime Lifetime Annual : Refers to the amount of income you may withdraw each year under the br> : Used to compute the Lifetime Annual and the charge for the Guaranteed Lifetime Withdrawal Rider. The is not an amount that is available for withdrawal or as a death benefit. Lifetime Withdrawal : The Lifetime Annual is calculated by multiplying the by a withdrawal percentage that is based on the age of the person receiving income. If the Lifetime Annual is to be paid on joint lives, the Lifetime Withdrawal is lower and is based on the youngest life covered. This withdrawal percentage is the Lifetime Withdrawal. Maximum Annual Withdrawal Pecentage: Single Joint % 4.00% % 4.10% % 4.20% % 4.30% % 4.40% % 4.50% % 4.60% % 4.70% Single Joint % 4.80% % 4.90% % 5.00% % 5.10% % 5.20% % 5.30% % 5.40% % 5.50% Single Joint % 5.60% % 5.70% % 5.80% % 5.90% % 6.00% % 6.10% % 6.20% % 6.30% Single Joint % 6.40% % 6.50% % 6.60% % 6.70% % 6.80% % 6.90% % 7.00% % 7.10% Single Joint % 7.20% % 7.30% % 7.40% % 7.50% At a glance, here are some of the important benefits of the optional Guaranteed Lifetime Withdrawal Rider: Guaranteed increase (roll-up) of 7.00% compounded annually in your for each year you delay taking income, up to age 85, to the end of the current 10 years or until age 85 year roll-up term, or to the date you begin taking income under the Rider, whichever comes first. The roll-up is applied only on contract anniversaries. The roll-up may be extended for an additional 10 years or until age 85 years, up to two times, for a total of 30 years, to age 85, or to the date you begin taking income under the Rider, whichever comes first. For each year you delay taking income, you will receive an additional 0.10% increase in your lifetime withdrawal rate, up to a maximum rate of 8.00% for single life and 7.50% for joint lives at age 90 or later. You will receive a predictable amount of income for the rest of your life as long as you don t take other withdrawals. You can also guarantee income for you and your spouse s lives. 7.00% Roll-up One of the features of the Guaranteed Lifetime Withdrawal Rider is the ability to delay taking income and build even more financial security for you and your family. When you delay taking income, the will increase by at least 7.00% each year during the roll-up term. On each contract anniversary prior to taking income under the Rider, your increases by a minimum of 7.00% no matter what happens to the market or your account value. You can continue to delay taking income with an option to renew the 7.00% roll-up at the end of each 10 years or until age 85-year roll-up term (up to two times), for a total of 30 years, or until you reach age 85, or until you begin taking lifetime income withdrawals, whichever comes first. This increase in your 7.00 is guaranteed, no matter what happens to your annuity s actual account value. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 6 of 13
7 Rider Description Guaranteed Lifetime Withdrawal Rider Security Life (Advisor XL) Security Secure Annuity Automatically step-up your 7.00 Prior to the income start date, on each contract anniversary, if your contract s Account Value is greater than your 7.00 after the roll-up of 7.00%, then your 7.00 will increase to equal your Account Value. In this way, on your contract anniversary during the roll-up term, your 7.00 will always be the greater of the 7.00 after the 7.00%% roll-up or your Account Value. This is called an annual step-up. The annual step-up applies to the for each year you delay taking income up to age 85, to the end of the current 10-year roll-up term, or to the date you begin taking income under the Rider, whichever comes earliest. Once you begin taking your lifetime income, the 7.00%% roll-up stops. However, if your Account Value is higher than your on any contract anniversary, then your will step-up on the contract anniversary to the higher amount. Purchase Payments are not permitted once you begin taking lifetime income. Guaranteed predictable amount of income for the rest of your life When you purchase the Guaranteed Lifetime Withdrawal Rider with your Security Secure Annuity, you are guaranteeing a future income stream for the rest of your life. You will know the guaranteed minimum you will receive on a monthly, quarterly or annual basis so you can better prepare for tomorrow s needs. How much you receive depends on the amount you put into your contract, the age at which you begin taking income from the contract, and whether you want your income to last as long as you live or as long as both you and your spouse live. The longer you wait to take income, the higher the payout when you begin. This is also true of the joint life option. It s important to know that taking out excess withdrawals in any given year will reduce the Lifetime Annual you may withdraw from your contract by more than the dollar amount withdrawn. Home Healthcare Doubler If you become unable to perform at least two of the six basic activities of daily living, your Guaranteed Lifetime Withdrawal Rider. allows you to double the Lifetime Withdrawal for up to five years to help ease some of the burdens you may experience during this time. This important feature means you can take extra income for a time of need without affecting the amount of your Lifetime Annual after the five-year period. After the five-year period, the Lifetime Withdrawal used to calculate Lifetime Annual will revert back to the original rate. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 7 of 13
8 Annual Ledger Outlook Plus 5 The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Year Begin Year Interest Rider Fee End Year Roll-up Guaranteed Lifetime Amount Total End Year w/out Rider , , , , , , , , , , , , , , ,053 7, , , , ,182 7,053 14, , , , ,129 7,053 21, , , , ,076 7,053 28, , , , ,023 7,053 35, , , ,671 92,970 7,053 42, , , ,049 85,917 7,053 49, , , ,381 78,864 7,053 56, , , ,665 71,811 7,053 63, , , ,901 64,758 7,053 70, , , ,089 57,706 7,053 77, , , ,228 50,653 7,053 84, , , ,316 43,600 7,053 91, , , ,354 36,547 7,053 98, , , ,340 29,494 7, , , , ,274 22,441 7, , , , ,388 7, , , ,335 7, , , ,282 7, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,525 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 8 of 13
9 Rider Description Outlook Plus 5 Outlook Plus 5, is available to add as a rider to your equity indexed annuity only at the time of purchase. The Withdrawal Payment is the amount you choose to receive each year. The Maximum Guaranteed Annual Withdrawal Payment is guaranteed to be paid for your lifetime if no Additional Withdrawals are taken. Your age must be at least 60 before Withdrawal Payments may begin. You may begin taking Withdrawal Payments as early as the first Policy Anniversary or any Policy Anniversary you choose after that. The Withdrawal Payments taken under this rider are deducted from the annuity s Account Value and will not incur any withdrawal charges. There is an Annual Rider Charge for this benefit on each Policy Anniversary, beginning with the first. The Annual Rider Charge is determined on the Policy Date and is 0.75%. This rate is guaranteed not to change while this rider is in force unless Restart (as described below) is elected and will never exceed the maximum rate of 1.50%. There is a Rider Bonus added to the Period Withdrawal Payment. The Rider Bonus is the Rider Bonus of 5.00 of the rider multiplied by the premium received during the first Policy Year. The Rider Bonus is credited with interest at the same rate as the Account Value of the Policy. The Rider Bonus is available on a pro-rata basis based on the Rider Bonus Vesting Schedule. Additional Withdrawals, full surrender, or annuitization of the Policy. This means the Rider Bonus will not be available in all Policy Years. The Rider Bonus is fully included in the Account Value for purposes of the Death. The Outlook Plus 5, rider has two periods, the Period and the Withdrawal Period. Each period is described as follows. During the Period The Period Withdrawal Payment has a 4.00% interest rate that is guaranteed each year during the Period. The Period Withdrawal Payment initially equals the premium paid, plus the applicable premium bonus. Additional premiums paid and premium bonuses, if applicable, will be added to the Period Withdrawal Payment when they are received. Withdrawals made from the Account Value will reduce the Period Withdrawal Payment. As the Payment grows, so do your guaranteed Withdrawal Payments for life. Restart During the Period, you may Restart the 4.00% guaranteed interest rate anytime after the fifth Policy Year. At the time you Restart the Period, the following will happen: The 4.00% guaranteed interest rate on the Period Withdrawal Payment will be guaranteed from Restart; The Period Withdrawal Payment will be increased to the annuity s Account Value, if larger; and The Annual Rider Charge may change, but will not be higher than the maximum guaranteed charge of 1.50%. You must wait five years after each Restart before beginning a new Period. Withdrawals Withdrawals may be made at anytime as provided by the annuity. Withdrawals from your annuity will reduce the Period Withdrawal Payment by the same percentage reduction made to the annuity s Account Value. The Period ends when you begin taking Withdrawal Payments. At that time, the Withdrawal Period begins. During the Withdrawal Period The Withdrawal Payment amount you choose to receive is guaranteed to be paid for your lifetime if it does not exceed the Maximum Guaranteed Annual Withdrawal Payment. The Maximum Guaranteed Annual Withdrawal Payment will remain level unless there is a Step-Up in the Withdrawal Payment, or you take an Additional Withdrawal. You may receive your Withdrawal Payment annually, semi-annually, quarterly, or monthly. Each payment must be at least $100. Any election to start or stop Withdrawal Payments must be received at Insurance Company at least 20 days prior to the Policy Anniversary. When the Withdrawal Period begins: The Guaranteed Withdrawal Percentage is determined; The Withdrawal Payment is increased to the annuity s Account Value if it is larger; The Maximum Guaranteed Annual Withdrawal Payment is calculated; Any outstanding loan must be repaid; and No more loans or Systematic Withdrawals of Interest from the Account Value of the Policy may be taken. The Guaranteed Withdrawal Percentage is based on your age at the beginning of the Withdrawal Period. This percentage will not change during the Withdrawal Period. The Maximum Guaranteed Annual Withdrawal Payment equals the Withdrawal Payment multiplied by the Guaranteed Withdrawal Percentage. Maximum Annual Withdrawal Pecentage: Single Joint % 4.00% Single Joint % 6.00% created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 9 of 13
10 Rider Description Outlook Plus % 4.50% % 5.00% % 5.50% % 6.50% % 7.00% Example: Five years ago, you purchased an annuity with Outlook Plus 5 with $100,000 and have now decided to begin Withdrawal Payments. The Withdrawal Payment is now $121,665 after five years of 4% interest and your Guaranteed Withdrawal Percentage is 6.5%. At this time, your Maximum Guaranteed Annual Withdrawal Payment is $7,908 and your annuity s Account Value is $131,317. Therefore, the Withdrawal Payment is increased to the Account Value and your Maximum Guaranteed Annual Withdrawal Payment is $8,536. Step-Up On each Policy Anniversary during the Withdrawal Period, the Withdrawal Payment will be compared to the annuity s Account Value. If the Account Value is larger than the Withdrawal Payment, the Withdrawal Payment will Step-Up to the Account Value. Following the Step-Up, the Maximum Guaranteed Annual Withdrawal Payment is recalculated and increased, based on this higher Withdrawal Payment. These payments are guaranteed for your lifetime. Additional Withdrawals An Additional Withdrawal is any withdrawal that is not a Withdrawal Payment and may be made at anytime during the Withdrawal Period. An Additional Withdrawal will reduce the Withdrawal Payment by the same percentage that the annuity s Account Value is reduced, including any surrender charges that may apply. The Maximum Guaranteed Annual Withdrawal Payment will change to equal the Guaranteed Withdrawal Percentage multiplied by the Withdrawal Payment after the Additional Withdrawal. The new Maximum Guaranteed Annual Withdrawal Payment will become effective on the Policy Anniversary following the Additional Withdrawal. Rider Bonus Vesting Schedule For purposes of Additional Withdrawals, full surrenders, or annuitization, the Rider Bonus is available on a pro-rata basis based on the Rider Bonus Vesting Schedule shown below: Rider Bonus Vesting Schedule Policy Year Percentage 1-7 0% 8 25% 9 50% 10 and Later 100% Therefore, in accordance with the Rider Bonus Vesting Schedule above, if you take any Additional Withdrawals, fully surrender, or annuitize in years 1-7, no portion of the Rider Bonus will be available to you, and only a limited portion will be available in years 8 and 9. Beginning in Policy Year 10, the full Rider Bonus will be available. Required Minimum Distributions (RMDs) If the RMD payment is greater than the Maximum Guaranteed Annual Withdrawal Payment, the additional amount withdrawn to meet the RMD payment will not be considered an Additional Withdrawal. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 10 of 13
11 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Freedom Rider Year Begin Year Interest Rider Fee End Year Roll-up Guaranteed Lifetime Amount Total End Year w/out Rider , , , , , , , , , , , , , , ,326 6, , , , ,514 6,326 12, , , , ,514 6,326 18, , , , ,514 6,326 25, , , , ,514 6,326 31, , , , ,514 6,326 37, , , , ,514 6,326 44, , , ,265 57, ,514 6,326 50, , , ,265 50, ,514 6,326 56, , , ,265 44, ,514 6,326 63, , , ,265 37, ,514 6,326 69, , , ,265 30, ,514 6,326 75, , , ,265 23, ,514 6,326 82, , , ,265 15, ,514 6,326 88, , , ,265 8, ,514 6,326 94, , , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , , ,514 6, , ,474 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 11 of 13
12 Rider Description Freedom Rider The Freedom Rider is an optional guaranteed minimum withdrawal benefit rider (available at an additional charge) that must be elected at the time of application. Offered with a 6.75% annual roll-up feature. The roll-up amounts are current guaranteed rates. Fidelity and Guaranty Life reserves the right to lower each of these rates for future sales of Freedom RiderSM to not less than the minimum guaranteed rate of 3% annually. INCOME BASE The is the value used to determine the withdrawal benefits. The initial is equal to either the initial premium paid plus any vested premium bonus or the account value, depending on when the rider became effective. The Freedom Rider is made up of two periods, an Period and a Withdrawal Period. Period During the Period, the increases or rolls up for a 10-year period at an annualized 6.75% provided the annuitant does not elect to begin taking withdrawals. The Period and roll-up end when the client elects to begin receiving income payments, and the Withdrawal Period begins. During the Period, the Freedom Rider offers the unique benefit of restarting a new 10-year period, which extends the Period and continues the annualized 6.75% increase. Restart The ability to Restart a new 10 years roll-up period and continue the Period offers clients a tremendous amount of flexibility and control. For example, perhaps your client has planned on needing income payments after nine years. After a few years, it becomes apparent that he/she really does not need to begin receiving income for another 10 years. Electing a Restart would allow your client to continue to capitalize on the 6.75% roll-up feature, while still allowing access to the money should financial circumstances change again. A Restart must be elected on a contract anniversary and can occur after 10 years and prior to the end of 10 years years. The is increased to the account value, if greater, at the time of Restart, which may cause the Cost-of-Rider Charge to increase. A Restart does not start a new set of surrender charges, and only one Restart is permitted. If no Restart is elected during the first 10 years, the roll-up ends (although annual rider charges continue). Withdrawal Period The Withdrawal Period begins when the owner elects to begin taking Freedom Rider Withdrawal Payments. The Period ends and cannot be reinstated. No additional premium payments will be accepted once the Withdrawal Period has begun. The will increase to the account value (Step-up), if the account value is larger at the time of election. The Freedom Rider Withdrawal Payment The amount the owner chooses to withdraw each contract year during the Withdrawal Period. Payments cannot be elected until the first contract anniversary. Owner must be at least age 50 Payments may be annual, semiannual, quarterly, or monthly and must be $100 or greater Payments may be stopped and started at any time, as needed by the client Guaranteed Withdrawal Percentage stays the same, unless a Step-up occurs Freedom Rider payments exceeding contract surrender charge-free withdrawal limits may be subject to surrender charges. Guaranteed Withdrawal Payment The maximum amount that can be withdrawn each contract year (provided no Excess Withdrawals have been made) without negatively affecting the. This is the amount guaranteed to be paid for the annuitant s lifetime. Calculated by multiplying the by the Guaranteed Withdrawal Percentage, and is based on the age of the annuitant at the time income payments are elected. Established at the beginning of the Withdrawal Period and changes only at Step-up or in the case of an Excess Withdrawal. Guaranteed Withdrawal Percentage Determined at the beginning of the Withdrawal Period, and based on the annuitant s age at the time. The percentage is updated at the time of a Step-up and then based on the annuitant s age at that time. Spousal s (Joint Annuitants) The Freedom Rider offers the ability to determine income based upon the lives of two people who are legal spouses. In the case of joint annuitants, the Guaranteed Withdrawal Percentage is determined by the age of the younger of the two annuitants at the time income payments are elected. The Guaranteed Withdrawal Payment is guaranteed to be paid until the death of the second annuitant. Spousal Continuation In the case of a single annuitant, the legal spouse may step into the contract upon the owner s death: If in the Period, the benefits will be based on the successor owner, but charges will continue to be based on the first owner. If in the Withdrawal Period, Freedom Rider Withdrawal Payments will continue until the account value is reduced to zero. The Guaranteed Withdrawal Percentage will remain the percentage at the time of the first owner s death. Step-up A Step-up occurs when the is increased to the account value, if the account value is larger. A Step-up will occur automatically and is available each contract anniversary during the Withdrawal Period. The Guaranteed Withdrawal Payment is recalculated at the time of Step-up and will equal the newly Stepped-up multiplied by the new Guaranteed Withdrawal Percentage (based on the annuitant s age at the time of Step-up). On bonus annuities with a vesting schedule, the bonus will continue to vest even after income payments begin, which may result in a Step-up. Excess Withdrawal A withdrawal made that causes total withdrawals for the contract year to exceed the Guaranteed Withdrawal Payment amount. This will negatively affect the Guaranteed Withdrawal Payment amount. The annuitant has two options when this occurs: 1. Receive unpaid portion of the Freedom Rider Withdrawal Payments for the contract year as a part of the withdrawal with no further installment payments until the next contract year. 2. Receive the larger withdrawal amount and continue to receive remaining installments of the Freedom Rider Withdrawal Payments as scheduled. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 12 of 13
13 Rider Description Freedom Rider Cost-of-Rider Charges The Freedom Rider is an optional benefit rider that can be added to Fidelity & Guaranty Life annuities for an additional annual charge. Annual charges are deducted from the account value through the and Withdrawal periods on each anniversary, beginning at the end of the first contract year. Charges are calculated as a percentage of the account value on the anniversary after the interest has been credited. Charges will be set at issue for the initial 10-year roll-up period. The guaranteed maximum charge for all rider versions is 1% of account value and is levied on the contract anniversary after interest is credited. Termination The Freedom Rider terminates and the rider charge ceases when any of the following occur: Contract terminates for any reason. Annuitization occurs. Client chooses to cancel the Freedom Rider (may be cancelled at any time). created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 13 of 13
Prepared For. Prepared On. Prepared By
Prepared For Valued Client Prepared On April 18, 2018 Prepared By Stan The Annuity Man 800.509.6473 Guaranteed Lifetime Riders Sentinel Security Life Insurance Company Guaranteed Lifetime Withdrawal Rider
More informationPrepared For. Prepared On. Prepared By
Prepared For Valued Client Prepared On November 16, 2018 Prepared By Stan The Annuity Man 800.509.6473 Guaranteed Lifetime Riders Sentinel Security Life Insurance Company Guaranteed Lifetime Withdrawal
More informationPrepared For. Prepared On. Prepared By
Prepared For Valued Client Prepared On January 15, 2015 Prepared By Stan The Anuity Man 800-509-6473 Guaranteed Lifetime Benefit Riders American Equity Investment Life Insurance Company Guaranteed Lifetime
More informationProduct Highlights FG Index-Series
FG AccumulatorPlus 0 & 4 FG Index-Choice 0 FG Index-Series Fixed Deferred Indexed Annuities ADV 03 (0-20) Rev. -203 3-649 FG Index-Series - Fixed Deferred Indexed Annuities NO BONUS B O N U S UP-FRONT
More informationINCOME FOR LIFE ET-IBR(06-08) and ICC11-ET-IBR-B(11-11)
INCOME FOR LIFE ET-IBR(06-08) and ICC11-ET-IBR-B(11-11) Optional Rider Available on Fixed Index Annuities DISCLOSURE STATEMENT Some features of this Rider may vary by state. If you have any questions,
More informationINCOME PAY OPTIONAL GUARANTEED LIVING BENEFIT RIDER 14192Z PRT 08-10
INCOME PAY OPTIONAL GUARANTEED LIVING BENEFIT RIDER 14192Z PRT 08-10 DRIVE YOUR RETIREMENT DECISIONS For people age 40 and above interested in guaranteed income during their retirement, the Income Pay
More informationProduct Highlights. Fixed Deferred Indexed Annuities. Safe Income Plus
Safe Income Plus Safe Income Plus Fixed Deferred Indexed Annuities ADV1520 (08-2014) Rev 08-2015 15-594 - Offers guarantees plus upside potential (Subject to caps/declared rate) - Choice of five interest
More informationNOTE: ANY and ALL consumer brochures distributed to a prospective customer, must contain a copy of this message
Fidelity & Guaranty Life products are underwritten by OM Financial Life Insurance Company in all states and DC other than New York and, in New York only, OM Financial Life Insurance Company of New York.
More informationNotice of Changes to Prosperity Elite 7, 10 and 14
Notice of s to Prosperity Elite 7, 0 and 4 Effective 9/30/5 The following applies to Prosperity Elite 7, 0 and 4 contracts issued 9/30/5 or later: The simple interest rate is 5% for the Guaranteed Minimum
More informationProduct Highlights FG Index-Series
FG AccumulatorPlus 10 & 14 FG Index-Choice 10 Product Highlights FG Index-Series Fixed Deferred Indexed Annuities ADV 1013 (01-2011) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. Rev. 03-2015
More informationIncome Pay. Optional Guaranteed Lifetime Benefit Rider. Consumer Brochure Z REV Z REV 12-16
Income Pay Optional Guaranteed Lifetime Benefit Rider Consumer Brochure 1 23047Z REV 12-16 23047Z REV 12-16 Drive Your Retirement Decisions For people age 40 and above interested in guaranteed income during
More informationProduct Highlights. Fixed Deferred Indexed Annuities. Performance Pro
Performance Pro Performance Pro Fixed Deferred Indexed Annuities ADV1458 (02-2014) FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. Rev. 03-2015 14-876 - Offers guarantees plus upside potential
More informationINTRODUCING THE NEW. Summit Bonus Index. Sentinel Plan Summit Bonus Index
INTRODUCING THE NEW Summit Bonus Index FOR PRODUCER USE ONLY This presentation is intended for producer use only and should not be disclosed to the public. The information contained in this presentation
More informationNWL INCOME PROTECTOR WITHDRAWAL BENEFIT RIDER
NWL INCOME PROTECTOR WITHDRAWAL BENEFIT RIDER Restricted States: General Annuitants Withdrawal Payment Withdrawal Payment Base Accumulation Period Guaranteed Annual Withdrawal Payment (GAWP) Additional
More informationLifetime Income Benefit Rider
for a secure Retirement Lifetime Income Benefit Rider (LIBR-2010)* Included automatically on most Fixed Indexed Annuities** for use with Fixed Indexed Annuities *May vary by state. Not available in all
More informationAbout the Secure Income Annuity GLWB Rider Calculator Outputs:
Prepared for: John Example Prepared on: February 4, 2015 About the Secure Income Annuity GLWB Rider Calculator Outputs: This calculator summary demonstrates certain features of the optional Guaranteed
More information850 East Anderson Lane Austin, Texas
APPLICATION FOR ANNUITY 850 East Anderson Lane Austin, Texas 78752-1602 ANNUITANT: Name Sex DOB Age Email Address Address City State Zip Drivers License No. and State SSN Telephone No. CO-ANNUITANT: Name
More informationProsperity Elite 7. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
Prosperity Elite 7 Flexible Premium Fixed Deferred ed Annuity Options for your retirement planning ADV 9 (0-0) Fidelity & Guaranty Life Insurance Company Rev. 08-07 7-087 Prosperity Elite 7 Flexible Premium
More informationProsperity Elite 7. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
Prosperity Elite 7 Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning ADV 6 (03-0) Fidelity & Guaranty Life Insurance Company Rev. 0-0 -558 Prosperity Elite 7 Flexible
More informationLifetime Income Benefit Rider
for a secure Retirement Lifetime Income Benefit Rider (ICC13 R-LIBR.1)* with Enhanced Death Benefit or (13 R-LIBR-EDB.1)* Wellbeing Benefit (13 R-LIBR-W.1)* for use with Fixed Indexed Annuities Included
More informationProsperity Elite 7. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
Prosperity Elite 7 Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning ADV 1391 (04-2013) Fidelity & Guaranty Life Insurance Company Rev. 08-2017 17-0872 Prosperity Elite
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 informationNScore Flex. Features and Optional Benefits. Protect. NScore Variable Annuities. Safeguard your investment and guarantee your payments.
O NScore Variable Annuities NScore Flex Features and Optional Benefits Protect Plan Accumulate NScore Flex variable annuity is a tax-deferred vehicle designed for retirement planning. Safeguard your investment
More informationMassMutual Odyssey Select SM
MassMutual Odyssey Select SM A Flexible Premium Deferred Fixed Annuity Save for retirement your way MassMutual Odyssey Select (Odyssey Select) is a flexible premium deferred fixed annuity issued by Massachusetts
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. 04-2018 18-0493 Performance Pro Flexible
More informationAnnuities at. MNL SecureVantage SM 10 Fixed Index Annuity. Annuity. their Best
Annuity MNL SecureVantage SM 10 Fixed Index Annuity 18280Y REV 08-13 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Annuities at their Best Company Financial Strength A ll Midland
More informationFG Retirement Pro. Modified Single Premium Deferred Annuity Options for your retirement planning
FG Retirement Pro Modified Single Premium Deferred Annuity Options for your retirement planning ADV 1591 (07-2015) Fidelity & Guaranty Life Insurance Company Rev. 06-2016 16-279 Why Buy This Product? Income
More informationGuaranteed Lifetime Income Advantage
Guaranteed Lifetime Income Advantage Retirement Income Benefit Overview A prospectus must accompany or precede this material. Issuers: Integrity Life Insurance Company National Integrity Life Insurance
More informationCENTURY PLUS ANNUITY. with Lifetime Income Rider. Single premium, deferred, fixed annuity. American National Insurance Company
CENTURY PLUS ANNUITY with Lifetime Income Rider American National Insurance Company Single premium, deferred, fixed annuity Guaranteed... For Life As retirement approaches, you move from accumulating assets
More informationGuaranteed Income for Life. Voya IncomeProtector Withdrawal Benefit. Available with a Fixed Index Annuity from Voya Insurance and Annuity Company
Guaranteed Income for Life Voya IncomeProtector Withdrawal Benefit Available with a Fixed Index Annuity from Voya Insurance and Annuity Company Guaranteed Income for Life The median income for retired
More informationWhat would you do with
What would you do with Your guide to LifetimePay SM Flex An optional Income Rider available on Aviva MultiChoice Freedom Series Fixed Annuities 80634 (Rev. 8/09) If you knew you had guaranteed income for
More informationIncomeSustainer Plus B NW
B1095813NW IncomeSustainer Plus a guaranteed income and death benefit rider from Great American Life Insurance Company, a member of Great American Insurance Group Account value We use this value to calculate
More informationBuild Your Income And Leave A Legacy With The IncomeSustainer Plus
Build Your Income And Leave A Legacy With The IncomeSustainer Plus Issued by Great American Life Insurance Company IncomeSustainer Plus An optional rider from Great American Life Insurance Company When
More informationB NW. IncomeSecure. a guaranteed income rider from Great American Life Insurance Company, a member of Great American Insurance Group
B1095914NW IncomeSecure a guaranteed income rider from Great American Life Insurance Company, a member of Great American Insurance Group Learn from Steve To understand how the IncomeSecure rider can provide
More informationLifetime Income Benefit Rider
Lifetime Income Benefit Rider Choice Series Version American Equity Simple Choices for a Secure Retirement The one who works for you! You ve Done the Work. Now Enjoy the Ride. You worked hard. From saving
More informationProtect Tomorrow. Embrace Today.TM. SecurePay SE. Optional Protected Lifetime Income Benefit PAC.5096 (02.14)
Protect Tomorrow. Embrace Today.TM SecurePay SE Optional Protected Lifetime Income Benefit PAC.5096 (02.14) Retirement income planning is an evolving process. Consider the years leading up to retirement.
More informationPRODUCT GUIDE. Royal Select. fixed indexed annuity. The SOLUTION Before life presents the problem.
PRODUCT GUIDE Royal Select fixed indexed annuity The SOLUTION Before life presents the problem. Royal Select Fixed Indexed Annuity The Oxford Life Royal Select Fixed Indexed Annuity offers you the opportunity
More informationGive your beneficiaries an Edge
Enhanced Death Benefit Rider Give your beneficiaries an Edge Not a bank or credit union deposit, obligation or guarantee May lose value Not FDIC or NCUA/NCUSIF insured Not insured by any federal government
More informationIncome Keeper. An optional rider from Great American Life Insurance Company
Income Keeper An optional rider from Great American Life Insurance Company Photo submitted by John from Florida, Great American customer since 2012. Income Keeper An optional rider from Great American
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 informationGuaranteed Lifetime Income Advantage Plus
Guaranteed Lifetime Income Advantage Plus Retirement Income Benefit Overview A prospectus must accompany or precede this material. Issuers: Integrity Life Insurance Company National Integrity Life Insurance
More informationAviva s fixed indexed annuity portfolio
Aviva s fixed indexed annuity portfolio Quick reference agent guide Income Preferred Series Lifetime Solutions Annuity We are building insurance around you. 55375 (Rev. 7/12) At Aviva we know that without
More informationPRODUCT GUIDE. The SOLUTION Before life presents the problem. fixed indexed annuity. Oxford Life Select SERIES S-SERIES A M BEST
PRODUCT GUIDE Oxford Life Select SERIES fixed indexed annuity Financial Strength Rating A M BEST A- Excellent *Effective as of 5-26-2016. For the latest rating, access www.ambest.com A.M. Best assigns
More informationMarquis SP. Guaranteed Lifetime Withdrawal Benefit. Protected Retirement Income SINGLE PREMIUM FIXED INDEXED ANNUITY ANNUITY PRODUCTS BENEFIT OVERVIEW
ANNUITY PRODUCTS BENEFIT OVERVIEW Marquis SP SINGLE PREMIUM FIXED INDEXED ANNUITY Guaranteed Lifetime Withdrawal Benefit Protected Retirement Income LL-2756 (04/17) Marquis SP SINGLE PREMIUM FIXED INDEXED
More informationAmerican Equity s. Advantage Gold. With Lifetime Income Benefit Rider. Protection. Income. Guaranteed. The one who works for you!
American Equity s Advantage Gold With Lifetime Income Benefit Rider Protection. Income. Guaranteed. The one who works for you! Advantage Gold Fixed Index Annuity Every retirement is different, each with
More informationRetirement Cornerstone 15 Variable Annuity Series B
Retirement Cornerstone 15 Variable Annuity Series B 2015 AXA Equitable Life Insurance Company (AXA Equitable), N.Y., N.Y. - All Rights Reserved Sales Support Training Strategy and Content For Financial
More informationOxford Life BONUS TENTM FIXED INDEXED ANNUITY
Oxford Life BONUS TENTM FIXED INDEXED ANNUITY The SOLUTION Before life presents the problem. PRODUCT GUIDE Protected Principal Guaranteed Safety It makes sense to have guaranteed principal safety while
More informationLifetime Income Benefit Rider
Choice Series Version American Equity Simple Choices for a Secure Retirement The one who works for you! Choice Series Version Lifetime Income Benefit Overview Available for issue ages 50 and above Provides
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 informationProtective ProSaver Platinum Plus
Protective ProSaver Platinum Plus Fixed Annuity Profile PAC.3250 (06.12) Protective Life fixed annuities have been designed specifically to help you more effectively prepare for and experience retirement.
More informationTRANSAMERICA INCOME EDGE SM LIVING BENEFIT AVAILABLE WITH THE MEMBERS VARIABLE ANNUITY SERIES
TRANSAMERICA INCOME EDGE SM LIVING BENEFIT AVAILABLE WITH THE MEMBERS VARIABLE ANNUITY SERIES This material was prepared for general distribution. It is being provided for informational purposes only and
More informationAnnuity Answer Booklet
Annuity Answer Booklet Explanations of Annuity Concepts and Language Standard Insurance Company Annuity Answer Booklet Explanations of Annuity Concepts and Language Annuity Definition... 3 Interest Rates...
More informationJohn "Lifetime" Boomer. Michael J. Prestwich ImagiSOFT, Inc. PO Box Albuquerque, NM (877)
Prepared for: John "Lifetime" Boomer Illustration Date: April 5, 2011 Prepared by: Michael J. Prestwich ImagiSOFT, Inc. PO Box 13208 Albuquerque, NM 87192 (877) 510-4702 An illustration to help you securely
More informationTRANSAMERICA INCOME EDGESM LIVING BENEFIT
TRANSAMERICA INCOME EDGESM LIVING BENEFIT This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation.
More informationOptional Income Protection Rider
Optional Income Protection Rider Prepare for the unpredictable. part I am going to work full-time. Issued by Genworth Life and Annuity Insurance Company 124768 08/18/14 Can you predict how long you ll
More informationReady. Aim. Retire. Fixed Indexed Annuities. with Income Riders Issued by Athene Annuity and Life Company, West Des Moines, IA (09/28/15)
Ready. Aim. Retire. Fixed Indexed Annuities with Income Riders 55757 Issued by Athene Annuity and Life Company, West Des Moines, IA (09/28/15) Why choose an annuity? Annuities provide insurance against
More informationAmerican Equity s. RateShield 10+ With Lifetime Income Benefit Rider. Protection. Income. Guaranteed. The one who works for you!
American Equity s RateShield 10+ With Lifetime Income Benefit Rider Protection. Income. Guaranteed. The one who works for you! RateShield 10+ Fixed Annuity Every retirement is different, each with its
More informationPhoenix Personal Income Annuity
Phoenix Personal Income Annuity Supplement to the Phoenix Personal Income Annuity product brochure Whether you begin your guaranteed income immediately, or several years from now, the Income Strategy riders
More informationLifeguard Freedom Suite
Guaranteed Minimum Withdrawal Benefits Lifeguard Freedom Suite This material is authorized for use only when preceded or accompanied by the current prospectus. Not FDIC/NCUA insured May lose value Not
More informationLifetime Income Benefit Rider
Lifetime Income Benefit Rider with Optional Wellbeing Benefit EAGLELIFE INSURANCE COMPANY Soar Higher Issued By: West Des Moines, IA 50266 www.eagle-lifeco.com 866-526-0995 Lifetime Income Benefit Rider
More informationTRANSAMERICA LANDMARK SM VARIABLE ANNUITY
TRANSAMERICA LANDMARK SM VARIABLE ANNUITY Issued Through SEPARATE ACCOUNT VA B By TRANSAMERICA LIFE INSURANCE COMPANY Supplement dated September 10, 2012 to the Prospectus dated May 1, 2012 This Prospectus
More informationBuild Your Income With The IncomeDefender
Build Your Income With The IncomeDefender Issued by Great American Life Insurance Company IncomeDefender An optional rider from Great American Life Insurance Company When you purchase an indexed annuity
More informationIncome Edge FLEX INCOME RIDER CERTIFICATE OF DISCLOSURE
Income Rider Aviva Life and Annuity Company to a Fixed Deferred Annuity 7700 Mills Civic Parkway Rider form: AIRW (08/08) West Des Moines, IA 50266-3862 Mail Processing Center: P.O. Box 10433 Des Moines,
More informationOffer to exchange your ONcore variable annuity with a GMIB rider for an ONdex fixed indexed annuity with a GLWB rider
ONcore Xtra (sold before October 1, 2012) ONcore Lite ONcore Premier (sold before October 1, 2012) ONcore Lite II ONcore Value (sold before October 1, 2012) ONcore Flex ONcore Wrap ONcore Ultra ONcore
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 informationProsperity Elite 10. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
Prosperity Elite 0 Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning ADV 4 (04-0) Fidelity & Guaranty Life Insurance Company Rev. 0-0 -559 Prosperity Elite 0 Flexible
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 informationOptional Income Protection Rider
Optional Income Protection Rider Prepare for the unpredictable. part I am going to work full-time. Issued by Genworth Life and Annuity Insurance Company 124768 11/01/11 Life s circumstances and the financial
More informationPERSONAL CHOICE PLUS+
You now have more options when it comes to your future Sentinel Plan PERSONAL CHOICE PLUS+ Client Brochure California SSLPCPBR-CA 010118 Retirement options you can depend on As the length of retirement
More informationDeferred Income Annuity. American Pathway. Series of fixed annuities. A single premium fixed deferred income annuity
American Pathway Series of fixed annuities Deferred Income Annuity A single premium fixed deferred income annuity Annuities issued by American General Life Insurance Company (AGL) and The United States
More informationCONTRACT SUMMARY. Pacific Index Select Disclosure Contract Form Series
CONTRACT SUMMARY Pacific Life Insurance Company P.O. Box 2378, Omaha, NE 68103-2378 (800) 722-4448 Contract Owners (800) 722-2333 Registered Representatives/Producers www.pacificlife.com Pacific Select
More informationOptional Income Protection Rider
Optional Income Protection Rider Prepare for the unpredictable. part I am going to work full-time. Issued by Genworth Life and Annuity Insurance Company 124768 11/12/12 Life s circumstances and the financial
More informationElevate Your Retirement
Athene Annuity and Life Company Elevate Your Retirement Balanced Choice Annuity Elevate 57968 (1/17) Take Control of Your Retirement You can overcome the challenges of traditional retirement savings solutions.
More informationFixed 5 Annuity Fixed 7 Annuity
American Pathway Series of fixed annuities Fixed 5 Annuity Fixed 7 Annuity Single premium tax deferred fixed annuities Product Overview Through our American Pathway series of annuities, we are committed
More informationTRANSAMERICA LIBERTY SM VARIABLE ANNUITY
TRANSAMERICA LIBERTY SM VARIABLE ANNUITY Issued Through SEPARATE ACCOUNT VA W By TRANSAMERICA LIFE INSURANCE COMPANY Supplement dated September 10, 2012 to the Prospectus dated May 1, 2012 This Prospectus
More informationSAMPLE. PHL Variable Insurance Company Annuity Operations Division PO Box 8027 Boston, MA Telephone (800)
This contract is provided for information purposes only. Contract terms and values may vary significantly from this specimen copy based on the state where the contract is issued. This contract may not
More informationFG Index-Choice 10. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
FG Index-Choice 10 Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning ADV 1281 (05-2012) Fidelity & Guaranty Life Insurance Company Rev. 03-2015 14-280 FG Index-Choice
More informationPRODUCT COMPARISON GUIDE
Index Annuities PRODUCT COMPARISON GUIDE Power Select SM Builder Power Select SM Plus Income Issued By American General Life Insurance Company Power Select Builder SM Description Issue age Premium Premium
More informationAttention. Currently, Brighthouse SM Fixed Rate Annuity and Brighthouse SM Fixed Rate Annuity MVA are not available in New York.
ANNUITIES FIXED! Attention Currently, Brighthouse SM Fixed Rate Annuity and Brighthouse SM Fixed Rate Annuity MVA are not available in New York. Please check with your financial professional for full details.
More informationLifetime Income Riders Last Updated: July 16, 2014
Company Allianz Name Simple Income III Rider Enahnced Withdrawal Benefit MasterDex X Endurance Plus Allianz Preferred 360 Benefit Rider 360 CT, Option 3 not approved in AK, DE, IA, MN, OH, TX Issue Age
More informationRetirement income IN STEP WITH YOUR LIFE
MyPath Lifetime Income A suite of optional living benefits Issued by Minnesota Life Insurance Company Retirement income IN STEP WITH YOUR LIFE MyPath Summit no longer available Available with select MultiOption
More informationATHENE Enhanced GLWB Income Rider Guaranteed Income When You Need It Most. Annuities issued by Athene Annuity & Life Assurance Company S7464 (8-13)
ATHENE Enhanced GLWB Income Rider Guaranteed Income When You Need It Most Annuities issued by Athene Annuity & Life Assurance Company S7464 (8-13) Purchase an annuity with a guaranteed lifetime withdrawal
More informationIncome Advantage SM. Pacific. Client Guide. with a Guaranteed Withdrawal Benefit. for Edward Jones
Pacific Income Advantage SM with a Guaranteed Withdrawal Benefit A Deferred Fixed Annuity for Secure Retirement Income 12/15 96035-15A Client Guide for Edward Jones Why Pacific Life Pacific Life has more
More informationIncomeShield 9 WITH OPTIONAL LIFETIME INCOME BENEFIT RIDER. For use in California only. The one who works for you!
IncomeShield 9 WITH OPTIONAL LIFETIME INCOME BENEFIT RIDER For use in California only. The one who works for you! IncomeShield 9 Fixed Index Annuity Retirement is more than life after work. It s about
More informationElevate Your Retirement
Athene Annuity and Life Company Elevate Your Retirement Balanced Choice Annuity Elevate In FL, the Product Brochure is required to be used in conjunction with the Additional Information Insert (BCA 8-83066,
More informationPHOENIX INDEX SELECT AND PHOENIX INDEX SELECT BONUS DISCLOSURE STATEMENT
Phoenix Index Select and Phoenix Index Select Bonus Indexed Annuity Disclosure Document A Single Premium Deferred Modified Guaranteed Indexed Annuity Issued By PHL Variable Insurance Company PHOENIX INDEX
More informationDISTRIBUTION PLANNING
DISTRIBUTION PLANNING In 5 Easy Steps 2.5 Million Baby Boomers Will Turn Age 70 in 2016 Get the Definitive Guide to RMD Planning at: www.irahelp.com/rmd-guide Calculating the Pro-Rata Rule in 5 Easy Steps
More informationAviva MultiChoice FreedomXtra. (Rev. 9/09)
Aviva MultiChoice FreedomXtra 80764 (Rev. 9/09) Saving for retirement just got easier. With all of the choices you have today, saving for retirement can seem complex, challenging, and confusing. At Aviva,
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 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 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 informationSecurity Benefit Statement of Understanding
Security Benefit Statement of Understanding Effective Date: October 1, 2014 Must be signed by the customer and agent and the signature page returned to Security Benefit with the application. 1.800.888.2461
More informationFuture Provider Series
Future Provider Series Agent s Guide for Future Provider and Future Provider Bonus Americo Financial Life and Annuity Insurance Company 05-212-1 (09/06) Americo FOR AGENT USE ONLY Policy Series 267/268
More informationRBC Guaranteed Lifetime Withdrawal Benefit Rider
Annuities RBC Guaranteed Lifetime Withdrawal Benefit Rider Issued by Liberty Life Insurance Company S7434 (R10-09) NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION NOT FDIC OR NCUA INSURED NOT INSURED
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 informationPower 7 Elite TM Annuity. An immediate bonus, plus an extra measure of security. A flexible premium, bonus annuity. And that s just the beginning.
An immediate bonus, plus an extra measure of security. And that s just the beginning. Power 7 Elite TM Annuity A flexible premium, bonus annuity CB50510 M3336 Page 1 of 6 The Power 7 Elite Annuity Get
More informationNAC IncomeChoice. Fixed Index Annuity. Consumer Brochure Z REV Z REV 2-17
NAC IncomeChoice Fixed Index Annuity Consumer Brochure 1 23713Z REV 2-17 23713Z REV 2-17 The Income You Need The Potential You Want Like many individuals, you ve probably spent years saving for retirement
More informationFG AccumulatorPlus 10. Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning
FG AccumulatorPlus 10 Flexible Premium Fixed Deferred Indexed Annuity Options for your retirement planning ADV 1206 (11-2011) Fidelity & Guaranty Life Insurance Company Rev 03-2015 14-277 FG AccumulatorPlus
More informationProducer Guide. At Guggenheim Life and Annuity, we are dedicated to serving the needs and financial goals of our customers.
20 Producer Guide At Guggenheim Life and Annuity, we are dedicated to serving the needs and financial goals of our customers. Whether your clients are looking for a retirement plan that offers interest
More informationMake your money work as hard as you do.
Lifetime Income Track Living benefit guide Make your money work as hard as you do. Your key to retirement income potential. A Nationwide Destination SM Series 2.0 variable annuity with the Nationwide Lifetime
More information