Valued Client Owner Age: 60 State of Issue: Michigan. Death Benefit: Maximum Daily Value II

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Valued Client Owner Age: 60 State of Issue: Michigan. Death Benefit: Maximum Daily Value II"

Transcription

1 ForeRetirement TM III B-Share Prepared for: Valued Client Owner Age: 60 State of Issue: Michigan Prepared on: April 30, 2015 Prepared by: Guest User Firm Name: Guest Input Summary: Initial Investment: $500,000 Death Benefit: Maximum Daily Value II 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 Page 1 of 10 NOT VALID WITHOUT ALL PAGES

2 ForeRetirement B-Share Hypothetical Illustration: Introduction What is this document? About Forethought Life Insurance Company This is an illustration intended to help you understand how your variable annuity Contract works. It is not intended to predict performance and is not a guarantee of future performance. It depicts how the Contract will perform and respond under certain assumptions that may or may not come true. This is not a variable annuity contract. Forethought Life Insurance Company provides a full suite of annuities and a leading preneed life insurance platform to help solve the pre-retirement, retirement and end-of-life challenges facing Americans today. A targeted strategy delivers multifaceted product lines to customers through key distribution relationships across the country. Experienced leadership and financial discipline underlie strong growth and success in the marketplace. About Forethought s ForeRetirement ForeRetirement Variable Annuities are designed to help meet your investment and income needs for retirement. With ForeRetirement, you create a personalized balance between growth opportunity and protection through a wide range of options. Variable annuities are long-term investment vehicles designed for retirement purposes, in which all interest, dividends, and capital gains accumulate tax-deferred. ForeRetirement Contracts also feature income certainty and optional investment protection features. Optional benefits are available at an additional cost. The ForeRetirement is available in multiple share classes, which each have different fees and charges as described in the prospectus. Your financial professional s commission may also differ depending upon the share class selected. You should discuss which share class is right for you with your financial professional based on the available options. Important share class considerations include, but are not limited to, your investment holding period and investment flexibility. Contracts are subject to market fluctuations and possible loss of principal. As a result, the value when redeemed may be worth more or less than the amount originally invested. Furthermore, fees, such as administrative and sales charges, premium based charges, and mortality and risk expense charges, will also affect the values in the contract. All guarantees assume compliance with any applicable benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company. Death benefits may be subject to ordinary income taxes, and may be included in the contract owner s gross estate for estate tax purposes. Forethought is a subsidiary of Global Atlantic Financial Group Limited, a multiline insurance and reinsurance company with over $30 billion in assets and 10 offices. Global Atlantic was founded at Goldman Sachs in 2004 and separated as an independent company in April of This illustration must be preceded or accompanied by a prospectus, product brochure and product guide. The prospectus contains investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. You should read the prospectus carefully before investing money. THIS IS AN ILLUSTRATION ONLY. AN ILLUSTRATION IS NOT INTENDED TO PREDICT ACTUAL PERFORMANCE. INTEREST RATES, DIVIDENDS, OR VALUES THAT ARE SET FORTH IN THE ILLUSTRATION ARE NOT GUARANTEED, EXCEPT FOR THOSE ITEMS CLEARLY LABELED AS GUARANTEED. Where to find additional product information In addition to the prospectus, you can find more information about ForeRetirement in the product kit. The kit contains a product brochure and product guide that describe the product features and investment options, as well as optional benefits. These materials are interdependent and together will give you a more complete picture of ForeRetirement s benefits, as well as the associated risks, costs and tradeoffs Page 2 of 10 NOT VALID WITHOUT ALL PAGES

3 ForeRetirement B-Share Hypothetical Illustration: Snapshot Client Name: Valued Client Initial Investment:$500,000 Living Benefit: None Selected Gender/Issue Age/State of Issue: Female/ 60/ MI Tax Status: Non-Qualified Death Benefit: Maximum Daily Value II The following charges are deducted from scenarios in this illustration. Charges may be assessed on the full premium amount, benefit base or Contract Value; therefore, deducting the sum of total fees assessed from the gross return will not yield the net rate of return. Charges Mortality and Expense Risk Charge: 0.45% Administrative Charge: 0.20% Premium Based Charge: 0.50% Maximum Daily Value II: 0.45% Average Fund Operating Expenses: 1.04% Annual Maintenance Fee*: $50 Contingent Deferred Sales Charges (CDSC) will only apply to the contract upon surrenders. The schedule for the ForeRetirement B-Share is: Contingent Deferred Sales Charge Schedule Year CDSC % 8.50% 7.50% 6.50% 5.50% 4.50% 3.50% 2.50% 0.00% *The Annual Maintenance Fee is waived if the Contract Value is $50,000 or more on your Contract Anniversary. Premium Based Charges will be deducted on each Quarterly Contract Anniversary. Each contribution has its own Premium Based Charge schedule. This charge continues for the life of the contract. Withdrawals and subsequent premium payments are assumed to take place at the end of each period at the frequency elected. All other illustrated values are as of the end of the Contract Year Page 3 of 10 NOT VALID WITHOUT ALL PAGES

4 ForeRetirement B-Share Hypothetical Illustration: Changing Market - Average Gross Rate of Return 8.00% Client Name: Valued Client Initial Investment:$500,000 Living Benefit: None Selected Gender/Issue Age/State of Issue: Female/ 60/ MI Tax Status: Non-Qualified Death Benefit: Maximum Daily Value II Year Age Premium Payments Annual Net Return Contract Value Surrender Value 1 60 $500, % $505,099 $462,599 $534, $ % $538,638 $501,138 $577, $ % $608,853 $576,353 $632, $ % $592,731 $565,231 $647, $ % $693,853 $671,353 $723, $ % $766,496 $748,996 $854, $ % $806,086 $793,586 $854, $ % $956,016 $956,016 $977, $ % $1,060,962 $1,060,962 $1,197, $ % $1,071,707 $1,071,707 $1,197, $ % $1,154,508 $1,154,508 $1,197, $ % $1,345,750 $1,345,750 $1,407, $ % $1,334,592 $1,334,592 $1,467, $ % $1,553,699 $1,553,699 $1,692, $ % $1,610,753 $1,610,753 $1,723, $ % $1,698,609 $1,698,609 $1,723, $ % $1,554,109 $1,554,109 $1,826, $ % $1,578,227 $1,578,227 $1,826, $ % $1,467,790 $1,467,790 $1,826, $ % $1,431,125 $1,431,125 $1,826,291 Totals $500, % (Average Net Rate of Return) All guarantees assume compliance with any applicable benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company. These hypothetical examples are for illustrative purposes only and are not indicative of any investment. They are not indicative of all possible financial outcomes, which will vary based on such factors as investment volatility and the sequence of future returns. Hypothetical Daily Returns assume 251 hypothetical Valuation Days per contract year. Death Benefit Page 4 of 10 NOT VALID WITHOUT ALL PAGES

5 ForeRetirement B-Share Hypothetical Illustration: Stable Market % Gross Rate Client Name: Valued Client Initial Investment:$500,000 Living Benefit: None Selected Gender/Issue Age/State of Issue: Female/ 60/ MI Tax Status: Non-Qualified Death Benefit: Maximum Daily Value II Year Age Premium Payments Annual Net Return Contract Value Surrender Value 1 60 $500, % $526,015 $483,515 $527, $ % $553,516 $516,016 $554, $ % $582,588 $550,088 $583, $ % $613,322 $585,822 $614, $ % $645,811 $623,311 $647, $ % $680,157 $662,657 $681, $ % $716,465 $703,965 $717, $ % $754,848 $754,848 $756, $ % $795,424 $795,424 $796, $ % $838,318 $838,318 $839, $ % $883,663 $883,663 $885, $ % $931,598 $931,598 $933, $ % $982,273 $982,273 $983, $ % $1,035,842 $1,035,842 $1,037, $ % $1,092,473 $1,092,473 $1,094, $ % $1,152,339 $1,152,339 $1,153, $ % $1,215,626 $1,215,626 $1,217, $ % $1,282,528 $1,282,528 $1,284, $ % $1,353,253 $1,353,253 $1,355, $ % $1,428,019 $1,428,019 $1,429,911 Totals $500, % (Average Net Rate of Return) All guarantees assume compliance with any applicable benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company. These hypothetical examples are for illustrative purposes only and are not indicative of any investment. They are not indicative of all possible financial outcomes, which will vary based on such factors as investment volatility and the sequence of future returns. Hypothetical Daily Returns assume 251 hypothetical Valuation Days per contract year. Death Benefit Page 5 of 10 NOT VALID WITHOUT ALL PAGES

6 ForeRetirement B-Share Hypothetical Illustration: Flat Market % Gross Rate of Return Client Name: Valued Client Initial Investment:$500,000 Living Benefit: None Selected Gender/Issue Age/State of Issue: Female/ 60/ MI Tax Status: Non-Qualified Death Benefit: Maximum Daily Value II Year Age Premium Payments Annual Net Return Contract Value Surrender Value 1 60 $500, % $486,901 $444,401 $500, $ % $474,021 $436,521 $500, $ % $461,357 $428,857 $500, $ % $448,905 $421,405 $500, $ % $436,662 $414,162 $500, $ % $424,625 $407,125 $500, $ % $412,788 $400,288 $500, $ % $401,151 $401,151 $500, $ % $389,708 $389,708 $500, $ % $378,457 $378,457 $500, $ % $367,395 $367,395 $500, $ % $356,518 $356,518 $500, $ % $345,823 $345,823 $500, $ % $335,307 $335,307 $500, $ % $324,968 $324,968 $500, $ % $314,802 $314,802 $500, $ % $304,806 $304,806 $500, $ % $294,978 $294,978 $500, $ % $285,315 $285,315 $500, $ % $275,813 $275,813 $500,000 Totals $500, % (Average Net Rate of Return) All guarantees assume compliance with any applicable benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company. These hypothetical examples are for illustrative purposes only and are not indicative of any investment. They are not indicative of all possible financial outcomes, which will vary based on such factors as investment volatility and the sequence of future returns. Hypothetical Daily Returns assume 251 hypothetical Valuation Days per contract year. Death Benefit Page 6 of 10 NOT VALID WITHOUT ALL PAGES

7 ForeRetirement B-Share Hypothetical Illustration: Flat Market % Gross Rate of Return with Maximum Charges Client Name: Valued Client Initial Investment:$500,000 Living Benefit: None Selected Gender/Issue Age/State of Issue: Female/ 60/ MI Tax Status: Non-Qualified Death Benefit: Maximum Daily Value II Year Age Premium Payments Annual Net Return Contract Value Surrender Value 1 60 $500, % $481,684 $439,184 $500, $ % $463,675 $426,175 $500, $ % $445,967 $413,467 $500, $ % $428,557 $401,057 $500, $ % $411,438 $388,938 $500, $ % $394,606 $377,106 $500, $ % $378,056 $365,556 $500, $ % $361,784 $361,784 $500, $ % $345,784 $345,784 $500, $ % $330,052 $330,052 $500, $ % $314,584 $314,584 $500, $ % $299,375 $299,375 $500, $ % $284,421 $284,421 $500, $ % $269,718 $269,718 $500, $ % $255,261 $255,261 $500, $ % $241,046 $241,046 $500, $ % $227,070 $227,070 $500, $ % $213,328 $213,328 $500, $ % $199,816 $199,816 $500, $ % $186,530 $186,530 $500,000 Totals $500, % (Average Net Rate of Return) The above illustration deducts the following maximum charges for Maximum Daily Value II is 1.5%. All guarantees assume compliance with any applicable benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company. These hypothetical examples are for illustrative purposes only and are not indicative of any investment. They are not indicative of all possible financial outcomes, which will vary based on such factors as investment volatility and the sequence of future returns. Hypothetical Daily Returns assume 251 hypothetical Valuation Days per contract year. Death Benefit Page 7 of 10 NOT VALID WITHOUT ALL PAGES

8 ForeRetirement B-Share Hypothetical Illustration: Death Benefit & Optional Features Maximum Daily Value II Maximum Daily Value (MDV II) is an optional Guaranteed Death Benefit rider. Though the benefit is intended to provide long-term protection, it is not permanent. The benefit typically expires upon the later of age 95 or 10 years from contract purchase. It will expire sooner if you initiate an annuity payout option (annuitize). The MDV II Death Benefit guarantees that we will pay the greater of: Contract Value; or Maximum Daily Contract Value prior to the earlier of date of death or the oldest Owner's 81 st birthday (adjusted for any Premium Payments and Partial Withdrawals) Investment restrictions apply and are designed to reduce investment volatility within the portfolios. As a result, you should anticipate that your contract value normally may not decline in value as much as the overall market in downturns. However, you should also anticipate that your contract value will not normally increase in value to the same extent as the equity or bond markets during market upswings, simultaneously mitigating insurance company risk under the guarantee. Required participation in select individual fund options will impact performance. Performance varies by fund option. If you are uncomfortable with the inclusion of these fund options in your contract, MDV II may not be suitable. The MDV II Death Benefit is subject to a maximum payout at death equal to $1 million, plus the contract value upon receipt of proof of death. Standard Death Benefit The ForeRetirement protects your legacy by including a Standard Death Benefit equal to your Contract Value. Though the benefit is intended to provide long-term protection, it is not permanent. The benefit typically expires upon the later of age 95 or 10 years from contract purchase. It will expire sooner if you initiate an annuity payout option (annuitize). Death benefits may be subject to ordinary income taxes. All guarantees assume compliance with any applicable benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company Page 8 of 10 NOT VALID WITHOUT ALL PAGES

9 ForeRetirement B-Share Hypothetical Illustration: Key Terms & Definitions Annual Net Return The assumed net rate of return for the investment during the Contract year. Annuity Commencement Date The Annuity Commencement Date cannot be earlier than your first Contract Anniversary. The maximum Annuity Commencement Date will be the later of the oldest Owner s 95 th birthday (or if the Owner is a non-natural person, the Annuitant s 95 th birthday) or 10 years from the Contract Issue Date. We reserve the right, at our sole discretion, to grant Annuity Commencement Date extension requests received by us not less than thirty days prior to a scheduled Annuity Commencement Date. We do not expect to grant extension requests when the Legacy Lock III death benefit is attached to the contract. Contract Charges These charges include Mortality and Expense Risk Charges (costs we incur to cover our longevity risk and some of our distribution costs), Administrative Charges (administrative costs), Premium Based Charges (expenses related to B and L share contracts only), and Fund Operating Expenses (Sub-Account management and other expenses). Each of these charges are periodically deducted from your Contract Value. Optional Benefit Charges The fee we charge when you elect certain optional riders. Please refer to the Fee Summary of your prospectus for a description of the frequency and basis used to deduct these charges. Premium Payments Money sent to us to be invested in your Sub-Account(s) and your Fixed Account(s). Surrender Value The amount we pay you if you terminate your Contract before the Annuity Commencement Date. The Surrender Value is equal to the Contract Value minus any applicable charges and Premium Tax (subject to rounding). Withdrawals Any withdrawal of a portion of your Contract Value. May be subject to charges if applicable. Contract Value The total value of the Sub-Account(s) and the Fixed Account(s) on any Valuation Day. Death Benefit Except as otherwise provided, the amount payable if the Owner, joint Owner, or Annuitant in the case of a nonnatural Owner, dies before the Annuity Commencement Date. Where applicable, your Death Benefit includes the standard or an optional Death Benefit. Though the benefit is intended to provide long-term protection, it is not permanent. The benefit typically expires upon the later of age 95 or 10 years from contract purchase. It will expire sooner if you initiate an annuity payout option (annuitize) Page 9 of 10 NOT VALID WITHOUT ALL PAGES

10 ForeRetirement B-Share Hypothetical Illustration: Important Information The securities referred to herein are not insured by the FDIC. They are not deposits or obligations of, nor are they guaranteed by, the depository institution. These securities are subject to investment risks, including possible loss of principal invested. If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from the variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. The effects of taxes on this investment have not been reflected in the illustration. Taxable distributions (including certain deemed distributions) are subject to ordinary income tax, and if made prior to age 59 ½, may also be subject to a 10% federal income tax penalty. Early surrender charges may also apply. Withdrawals will reduce the death benefit, cash surrender value and Contract Value. Distributions from a non-qualified contract before the Annuity Commencement Date are taxable to the extent of income on the Contract. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Excess withdrawals may impact contract value, death benefit, and any optional guaranteed amounts in an amount more than the actual withdrawal. Death Benefits may be subject to ordinary income taxes, and may be included in the contract owner's gross estate for estate tax purposes. Unless you have chosen to illustrate with Required Minimum Distributions, this Illustration does not take into consideration the potential withdrawal of RMDs that may be associated with a contract issued as a traditional Individual Retirement Account ( IRA ). If you choose to illustrate RMDs, please note that the illustration is based on your life expectancy and does not take into account your spouse, whose age may affect actual RMDs. RMDs from IRA annuity during the Owner s lifetime, not taken in the form of irrevocably elected annuity payments, are calculated by dividing the value of the annuity contract as of the last day of the preceding year by life expectancy factors established by the IRS. In some circumstances, the value of the contract for purposes of calculating RMDs includes the actuarial present value of all contract and rider benefits, such as guaranteed withdrawal and death benefits. Any withdrawals, including RMDs, may reduce the actuarial present value of the living and/or death benefit guarantees on a contract by more than the dollar amount of the withdrawal. This can result in the significant reduction of the living and/or death benefit guarantees remaining in the contract. Distributions from an IRA are required for each year following the year in which the Owner reaches age 70 ½. Failure to take RMDs may result in a 50% penalty on the amount of required distribution not taken, and the penalty does not relieve the Owner of the responsibility to withdraw the required amount for that year. No RMD is required during lifetime of the Owner of a Roth IRA. Distributions from one IRA may be able to satisfy the RMDs associated with another IRA, however only RMDs resulting from this annuity contract may receive treatment as a non-excess withdrawal. Additionally, the RMDs shown are estimates and should not be relied upon in determining actual RMD obligations. Please consult with an attorney, financial advisor, or qualified tax advisor concerning these matters. 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 or a tax or legal nature, you should consult your own tax or legal counsel for advice. This illustration must be preceded or accompanied by a prospectus, product brochure and product guide. The prospectus contains investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. You should read the prospectus carefully before investing money. Please see the prospectus for more information regarding the underlying funds in which you can invest. The issuing insurance companies are not investment advisers nor registered as such with the SEC or any state securities regulatory authority. They are not acting in any fiduciary capacity with respect to your investment. This information does not constitute personalized investment advice or financial planning advice. ForeRetirement is a flexible premium variable annuity issued by Forethought Life Insurance Company, Indianapolis, IN: FL-FPVA-12, FL-FPVA-12CA, FL-FPVA-12CT, FL-FPVA-12FL, FL-FPVA-12MT, ICC12-FLICVA. ForeRetirement is underwritten and distributed by Forethought Distributors, LLC Page 10 of 10 NOT VALID WITHOUT ALL PAGES

Valued Client Owner Age: 65 State of Issue: Connecticut

Valued Client Owner Age: 65 State of Issue: Connecticut Fixed Annuity Prepared For: Valued Client Owner Age: 65 State of Issue: Connecticut Prepared On: March 31, 2014 Prepared By: Valued Client Firm Name: Input Summary: Premium: $100,000 Withdrawal Charge

More information

Guardian Investor II SM Variable Annuity Fact Card

Guardian Investor II SM Variable Annuity Fact Card THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC. (GIAC) Guardian Investor II SM Variable Annuity Fact Card A Variable Annuity is a long-term financial product for retirement purposes that allows you to accumulate

More information

3/15 23203-15A. Annuity Distribution Options for Your Beneficiaries

3/15 23203-15A. Annuity Distribution Options for Your Beneficiaries 3/15 23203-15A Annuity Distribution Options for Your Beneficiaries Getting Started Beneficiary distribution options tied to annuity assets may differ depending on the types of retirement assets as well

More information

Forethought Life Insurance Company Income125+ Fixed Index Annuity

Forethought Life Insurance Company Income125+ Fixed Index Annuity Forethought Life Insurance Company Income125+ SM Fixed Index Annuity Life is full of colorful and exciting attractions. Retirement gives you the freedom to enjoy them. Don t miss an adventure because you

More information

Managing Your Beneficiaries Inheritances

Managing Your Beneficiaries Inheritances Managing Your Beneficiaries Inheritances A Predetermined Beneficiary Payout Option 8/13 23220-13A You re in Control With the Predetermined Beneficiary Payout Option, you have the flexibility to choose

More information

Understanding Annuities

Understanding Annuities Understanding Annuities Annuities issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey) and The Prudential Insurance Company of America. 0160994-00006-00

More information

Power Portfolio a variable annuity issued by Genworth Life Insurance Company

Power Portfolio a variable annuity issued by Genworth Life Insurance Company as of November 30, 2012 Power Portfolio 16979 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The following information is designed to help

More information

Horizon Variable Annuity

Horizon Variable Annuity Horizon Variable Annuity Since the Horizon Variable Annuity consists of lower cost options and simple essentials, it may be suitable for people in a variety of circumstances. Whether you ve just retired

More information

Understanding Annuities

Understanding Annuities Retirement Planning Understanding Annuities Learn how these versatile investments can be part of your strategy for retirement savings and income. understanding annuities Annuities can help provide the

More information

American Legacy Fusion variable annuity

American Legacy Fusion variable annuity American Legacy Fusion variable annuity May 1, 2015 Product Prospectus This document and many others can be read online by signing up for edelivery! Make a positive environmental impact by signing up today!

More information

Variable annuities. A tax-advantaged way to save for retirement

Variable annuities. A tax-advantaged way to save for retirement Variable annuities A tax-advantaged way to save for retirement Common terms Annuitant The person (may be the same as the contract owner) whose life expectancy is used to calculate the income payment amount

More information

Guardian Variable Annuities, The Guardian Variable Annuities, The ABC...123 Story

Guardian Variable Annuities, The Guardian Variable Annuities, The ABC...123 Story Guardian Variable Annuities, The Guardian Variable Annuities, The ABC...123 Story If history is any guide, the only constant is change. And with the recent volatility in the markets, many investors are

More information

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready

More information

Protecting Retirement Income and Assets

Protecting Retirement Income and Assets ONcore Variable Annuities Protecting Retirement Income and Assets Protect Guarantee retirement income without sacrificing your Plan Accumulate legacy to heirs. Access NOT A DEPOSIT NOT FDIC INSURED NOT

More information

UNIVERSAL VIA LIVING BENEFIT OPTION

UNIVERSAL VIA LIVING BENEFIT OPTION UNIVERSAL VIA LIVING BENEFIT OPTION You can have it all. TABLE OF CONTENTS I. Universal VIA Features II. Universal VIA - Income for Life Rider III. Universal VIA - Principal Protection Rider 2 3 8 Universal

More information

HD Lifetime Five. Highest Daily Lifetime Five SM 5% Income for Life. HD Lifetime Five Offers: variable annuity optional benefit

HD Lifetime Five. Highest Daily Lifetime Five SM 5% Income for Life. HD Lifetime Five Offers: variable annuity optional benefit HD Lifetime Five Highest Daily Lifetime Five SM 5% Income for Life variable annuity optional benefit HD Lifetime Five Offers:» 5% ANNUAL COMPOUNDED GROWTH ON THE HIGHEST DAILY ACCOUNT VALUE (SEE DETAILS

More information

Variable Deferred Annuity

Variable Deferred Annuity May 1, 2015 State Farm Life Insurance Company P R O S P E C T U S Variable Deferred Annuity profile Profile Dated May 1, 2015 STATE FARM VARIABLE DEFERRED ANNUITY POLICY STATE FARM LIFE INSURANCE COMPANY

More information

Preference Premier. for your loved ones. Enhanced Death Benefit & Earnings Preservation Benefit. Protection Benefits ANNUITIES VARIABLE

Preference Premier. for your loved ones. Enhanced Death Benefit & Earnings Preservation Benefit. Protection Benefits ANNUITIES VARIABLE ANNUITIES VARIABLE Preference Premier for your loved ones. Protection Benefits Enhanced Death Benefit & Earnings Preservation Benefit ISSUED BY METROPOLITAN LIFE INSURANCE COMPANY what if you could provide

More information

Allstate ChoiceRate Annuity

Allstate ChoiceRate Annuity Allstate ChoiceRate Annuity Allstate Life Insurance Company P.O. Box 80469 Lincoln, NE 68501-0469 Telephone Number: 1-800-203-0068 Fax Number: 1-866-628-1006 Prospectus dated May 1, 2008 Allstate Life

More information

Variable Annuities Because Retirement Requires a New Way of Thinking

Variable Annuities Because Retirement Requires a New Way of Thinking Pacific Life Variable Annuities Because Retirement Requires a New Way of Thinking 13141-12A 5/12 5/15 13141-15A As You Plan for Retirement, Think Differently Whether you re approaching retirement or already

More information

Income Plus Variable Annuity

Income Plus Variable Annuity Just the facts about New York Life... Income Plus Variable Annuity What is the New York Life Income Plus Variable Annuity? 1 Why should I consider Income Plus with the Guaranteed Future Income Benefit

More information

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information

More information

Variable Annuities. Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com

Variable Annuities. Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com Variable Annuities Page 1 of 8, see disclaimer on final page Variable Annuities What is a variable annuity? Investor

More information

Guaranteed Lifetime Withdrawals, Regardless of Index Performance

Guaranteed Lifetime Withdrawals, Regardless of Index Performance Guaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Index Choice SM, a Deferred, Fixed Indexed Annuity 7/13 90006-13A Pacific Index Choice a fixed indexed annuity

More information

Glossary: The Language of Variable Annuities

Glossary: The Language of Variable Annuities Glossary: The Language of Variable Annuities Glossary: The Language of Variable Annuities A variable annuity (VA) is a long-term, tax-deferred investment designed to help investors save for retirement.

More information

Guide to buying annuities

Guide to buying annuities Guide to buying annuities Summary of the key points contained in this disclosure document Before you purchase your annuity contract, make sure that you read and understand this guide. While reading this

More information

Important Information about your Annuity Investment

Important Information about your Annuity Investment Robert W. Baird & Co. Incorporated Important Information about your Annuity Investment What is an Annuity Contract? An annuity is a contract between you and an insurance company, under which you make a

More information

Guide to buying annuities

Guide to buying annuities Guide to buying annuities Summary of the key points contained in this disclosure document Before you purchase your annuity contract, make sure that you read and understand this guide. While reading this

More information

CHOICE Variable Annuity Fact Sheet

CHOICE Variable Annuity Fact Sheet PACIFIC CHOICE Variable Annuity Fact Sheet Why a Variable Annuity A variable annuity, like Pacific Choice, is a long-term contract between you and an insurance company that helps you grow, protect, and

More information

longevity Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version ANNUITIES income

longevity Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version ANNUITIES income ANNUITIES income longevity SM Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version MetLife Investors Longevity Income Guarantee SM is issued

More information

A PROFESSIONAL S GUIDE TO INCOME OPPORTUNITIES USING ANNUITIES

A PROFESSIONAL S GUIDE TO INCOME OPPORTUNITIES USING ANNUITIES A PROFESSIONAL S GUIDE TO INCOME OPPORTUNITIES USING ANNUITIES CPAs Attorneys Enrolled Agents Tax Professionals Professional Education Network TM www.edwardjones.com/teamwork CONTENTS 1 Introduction 2

More information

Nationwide Quatro Select Annuity

Nationwide Quatro Select Annuity Spend more time with the people who matter most and less time planning for retirement. Nationwide Quatro Select Annuity Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured

More information

Guaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Life s Fixed Indexed Annuities

Guaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Life s Fixed Indexed Annuities Guaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Life s Fixed Indexed Annuities 9/14 90006-14A Pacific Life s deferred, fixed indexed annuities can provide

More information

The Guardian Investor Variable Annuities SM

The Guardian Investor Variable Annuities SM The Guardian Investor Variable Annuities SM Four Options to Choose From Guardian Target Now SM Guardian Target Future SM Guardian Target 200 SM Guardian Target 250 SM Designed to help you grow. guarantee.

More information

Optional Living and Death Benefit Riders

Optional Living and Death Benefit Riders ONcore Variable Annuities Optional Living and Death Benefit Riders Protect Safeguard your investment and Plan Accumulate guarantee your payments. Access This material must be preceded or accompanied by

More information

Understanding annuities

Understanding annuities ab Wealth Management Americas Understanding annuities Rethinking the role they play in retirement income planning Protecting your retirement income security from life s uncertainties. The retirement landscape

More information

you can take RMDs while growing and protecting your benefit

you can take RMDs while growing and protecting your benefit ANNUITIES VARIABLE you can take RMDs while growing and protecting your benefit MetLife s optional riders provide you with the RMD flexibility you need GMIB Plus and Enhanced Death Benefit What is a variable

More information

ForeRetirement II Variable Annuity. Supplement Dated June 5, 2015 to your Prospectus dated May 1, 2015

ForeRetirement II Variable Annuity. Supplement Dated June 5, 2015 to your Prospectus dated May 1, 2015 ForeRetirement II Variable Annuity Supplement Dated June 5, 2015 to your Prospectus dated May 1, 2015 Effective July 13, 2015, the following changes are made to the PIMCO EqS Pathfinder Portfolio : Portfolio

More information

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION CHOICE SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important

More information

Understanding IRA distributions

Understanding IRA distributions Understanding IRA distributions A retirement distribution guide Allianz Life Insurance Company of New York Allianz Life Insurance Company of North America AMK-019-N Page 1 of 12 It s important to know

More information

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency Understanding Trusts A Summary of Trusts for Estate Planning No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 6/13 23171-13A Contents What

More information

Immediate Annuities. Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com

Immediate Annuities. Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com Immediate Annuities Page 1 of 7, see disclaimer on final page Immediate Annuities What is an immediate annuity?

More information

Basic Facts about Variable Annuities

Basic Facts about Variable Annuities Basic Facts about Variable Annuities Variable annuities are long-term investment vehicles that provide a unique combination of insurance and investment features. Fundamentally, a variable annuity is an

More information

A GUIDE TO INVESTING IN ANNUITIES

A GUIDE TO INVESTING IN ANNUITIES A GUIDE TO INVESTING IN ANNUITIES What Benefits Do Annuities Offer in Planning for Retirement? Oppenheimer Life Agency, Ltd. Oppenheimer Life Agency, Ltd., a wholly owned subsidiary of Oppenheimer & Co.

More information

Understanding annuities

Understanding annuities Wealth Management Americas Understanding annuities Rethinking the role they play in retirement income planning Helping to protect your retirement income security from life s uncertainties. The retirement

More information

Retirement Chapters 10 SM Fixed Index Annuity

Retirement Chapters 10 SM Fixed Index Annuity Retirement Chapters 10 SM Fixed Index Annuity Personalized Hypothetical Annuity Illustration Prepared For Im A. Client Prepared On May 1, 2015 Prepared By Im A. Producer Producer Firm 123 Any Street Anyplace,

More information

The rates below apply for applications signed between December 15, 2015 and January 14, 2016. Income Growth Rate: 6.00% Income Percentages

The rates below apply for applications signed between December 15, 2015 and January 14, 2016. Income Growth Rate: 6.00% Income Percentages PRUDENTIAL DEFINED INCOME ( PDI ) VARIABLE ANNUITY PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY PRUCO LIFE of NEW JERSEY

More information

Important Information about your Annuity

Important Information about your Annuity Robert W. Baird & Co. Incorporated Important Information about your Annuity Annuities are long-term investments that may help you meet or supplement your retirement and other long-term goals. Annuities

More information

Fixed Annuity. SecureFore 5. Client Guide. Annuities issued by Forethought Life Insurance Company

Fixed Annuity. SecureFore 5. Client Guide. Annuities issued by Forethought Life Insurance Company SM SecureFore 5 Fixed Annuity Annuities issued by Forethought Life Insurance Company Client Guide Not a bank deposit Not FDIC/NCUA insured Not insured by any federal government agency No bank guarantee

More information

LiveWell Fixed Index Annuity

LiveWell Fixed Index Annuity LiveWell Fixed Index Annuity Issued by Midland National Life Insurance Company Administered by 19231I PRT 03-14 1 May Provide Guaranteed Income for Life. Retain Control of Your Money. Potential for Stock

More information

Deferred Income Annuity

Deferred Income Annuity American Pathway Deferred Income Annuity A single premium deferred income fixed annuity Annuities issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in

More information

or guarantee rising income for up to 12 years?

or guarantee rising income for up to 12 years? Income Plus 6% Looking for a Retirement Income Advantage that can Guarantee 7% Withdrawals or guarantee rising income for up to 12 years? Guarantees are backed by the claims-paying ability of the issuing

More information

Explorer. Client Guide. A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11

Explorer. Client Guide. A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11 Explorer A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11 Client Guide The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we remain committed to providing

More information

Variable Annuities 101

Variable Annuities 101 WealthMark Advisory Services Philip Scholler President/CEO 5001 Horizons Drive Suite 201 Columbus, OH 43220 614-824-4352 phil@wealthmarkas.com www.wealthmarkas.com Inside Workbook: What Is a Variable Annuity?

More information

MetLife Income Annuity SM. Providing income. when you need it for as long as you need it

MetLife Income Annuity SM. Providing income. when you need it for as long as you need it MetLife Income Annuity SM Providing income when you need it for as long as you need it A METLIFE INCOME ANNUITY 1 OFFERS THESE ADVANTAGES: Stable lifetime income that you can count on to help cover day-to-day

More information

Steadily growing, safe and secure. Financial values your future can count on.

Steadily growing, safe and secure. Financial values your future can count on. Steadily growing, safe and secure. Financial values your future can count on. Retirement: built by you, grown by you 2 enjoyed by you. Let s not pretend that your retirement will be like anyone else s.

More information

Secure Income Annuity. Base Product. live CONFIDENTLY

Secure Income Annuity. Base Product. live CONFIDENTLY Secure Income Annuity Base Product live CONFIDENTLY Welcome! Security Benefit Secure Income Annuity Most of us look forward to retirement. We want to know that when we retire, especially in the volatile

More information

ONcore Variable Annuities. Guaranteed Lifetime Withdrawal Benefit Preferred IS Rider

ONcore Variable Annuities. Guaranteed Lifetime Withdrawal Benefit Preferred IS Rider ONcore Variable Annuities Guaranteed Lifetime Withdrawal Benefit Preferred IS Rider Building Your Retirement Income Strategy You ve spent years working hard and sacrificing to save money for your retirement.

More information

Understanding Annuities

Understanding Annuities Understanding Annuities Annuities ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE ARE NOT A DEPOSIT OF OR GUARANTEED BY ANY BANK OR ANY BANK AFFILIATE IFS-A092313 Ed. 01/2005 Letter

More information

The Basics of Annuities: Income Beyond the Paycheck

The Basics of Annuities: Income Beyond the Paycheck The Basics of Annuities: PLANNING FOR INCOME NEEDS TABLE OF CONTENTS Income Beyond the Paycheck...1 The Facts of Retirement...2 What Is an Annuity?...2 What Type of Annuity Is Right for Me?...2 Payment

More information

Understanding Annuities

Understanding Annuities Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance

More information

BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC

BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC Cetera Financial Specialists LLC 200 N. Martingale Road Schaumburg, IL 60173-2096 BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC General Considerations Before you buy any insurance

More information

Income Preferred Bonus Fixed Indexed Annuity

Income Preferred Bonus Fixed Indexed Annuity Income Preferred Bonus Fixed Indexed Annuity 55542 (03/14) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return for your money, or premium, the insurance company

More information

Flexible Premium Deferred Annuity Handbook. Concepts and Definitions

Flexible Premium Deferred Annuity Handbook. Concepts and Definitions Flexible Premium Deferred Annuity Handbook Contents Overview of Annuities 3 Definition of Flexible Premium Deferred Annuity (FPDA) 4 What is the Difference Between a Qualified and Nonqualified Annuity?

More information

Generate Future Retirement Income for Essential Living Expenses

Generate Future Retirement Income for Essential Living Expenses Generate Future Retirement Income for Essential Living Expenses CASE STUDY Pacific Life s Fixed Indexed Annuities 10/15 90090-15A What Might You Face in Retirement? During your working years, you are likely

More information

Advisor s Edge Variable Annuity Product Guide Effective July 1, 2015

Advisor s Edge Variable Annuity Product Guide Effective July 1, 2015 Advisor s Edge Variable Annuity Product Guide Effective July 1, 2015 Advisor s Edge Product Guide Annuities issued by Transamerica Premier Life Insurance Company Cedar Rapids, IA. Annuities are underwritten

More information

Planning Strategies for Charitable Remainder Trusts

Planning Strategies for Charitable Remainder Trusts Planning Strategies for Charitable Remainder Trusts Using a Deferred Annuity 6/13 23179-13A CRT Planning with Your Clients 1 Identify clients and prospects who are: o Charitably inclined. o Interested

More information

INCOME PLANNING FOR YOUR LIFETIME. THE FACTS ON ANNUITIES

INCOME PLANNING FOR YOUR LIFETIME. THE FACTS ON ANNUITIES { INCOME PLANNING FOR YOUR LIFETIME. } THE FACTS ON ANNUITIES ANNUITIES: INCOME PLANNING FOR YOUR LIFETIME Whether you are dreaming of golfing in Arizona or traveling around the world, a financially comfortable

More information

The Basics of Annuities: Planning for Income Needs

The Basics of Annuities: Planning for Income Needs March 2013 The Basics of Annuities: Planning for Income Needs summary the facts of retirement Earning income once your paychecks stop that is, after your retirement requires preparing for what s to come

More information

Lifetime Income Benefit Rider

Lifetime Income Benefit Rider for a secure Retirement Lifetime Income Benefit Rider (LIBR-2008)* Included automatically on most Indexed Annuities** Take Back Control of Your Retirement With Guaranteed Lifetime Income! *Not available

More information

The Security Benefit Foundations Annuity Frequently Asked Questions

The Security Benefit Foundations Annuity Frequently Asked Questions The Security Benefit Foundations Annuity Frequently Asked Questions This document is intended to assist consumers with the Foundations Annuity by providing additional guidance on the product and its features.

More information

Your Number. Every person has one. ANNUITIES. Your future. Made easier. SM

Your Number. Every person has one. ANNUITIES. Your future. Made easier. SM Your Number. Every person has one. Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency ANNUITIES Your future. Made easier. SM Know

More information

Guide to Buying Annuities

Guide to Buying Annuities Guide to Buying Annuities Buying an Annuity Contract at H.D. Vest Before you buy any investment, it is important to review your financial situation, investment objectives, risk tolerance, time horizon,

More information

A Powerful Combination for Retirement

A Powerful Combination for Retirement Power Select Plus Income Index Annuity A Powerful Combination for Retirement Principal Protection. Growth Potential. Lifetime Income. Plus, the Opportunity to Guarantee Rising Income for Up to 10 Contract

More information

Variable Annuity Overview

Variable Annuity Overview Variable Annuity Overview CAC.1162 (04.12) Protect Tomorrow. Embrace Today.TM When planning for your retirement, you ll find there are a variety of products, investments and strategies that can be utilized

More information

Be prepared for whatever comes your way.

Be prepared for whatever comes your way. Fixed Annuities Your 5-minute Guide Be prepared for whatever comes your way. Prepare for the unexpected When it comes to the retirement you ve worked so hard for, you might not be willing to accept the

More information

Secure. Income SM. Pacific. Client Guide. A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A

Secure. Income SM. Pacific. Client Guide. A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A Secure Pacific Income SM A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A Client Guide Why Pacific Life Pacific Life has more than 145 years of experience, and we remain committed

More information

Understanding Your Income Needs For Retirement

Understanding Your Income Needs For Retirement Understanding Your Income Needs For Retirement When s the right time to retire? Many people have a specific age in mind as the right time to retire. Maybe 62, the earliest Social Security benefits can

More information

Guaranteed income for life. In any market.

Guaranteed income for life. In any market. Guaranteed income for life. In any market. Schwab Retirement Income Variable Annuity with optional guaranteed lifetime withdrawal benefit. A retirement solution from Charles Schwab, issued by Pacific Life

More information

Highest Daily Lifetime 7 Plus SM Spousal Highest Daily. Income Guarantees

Highest Daily Lifetime 7 Plus SM Spousal Highest Daily. Income Guarantees Income Guarantees Highest Daily Lifetime 7 Plus SM Spousal Highest Daily Lifetime 7 Plus SM Optional benefits are offered under variable annuities issued by Pruco Life Insurance Company (in New York, issued

More information

Choose a new path for your retirement future.

Choose 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 information

No-Load Variable Annuity

No-Load Variable Annuity May 1, 2008 P ROSPECTUS T. ROWE PRICE No-Load Variable Annuity ISSUED BY SECURITY BENEFIT LIFE INSURANCE COMPANY VARIABLE ANNUITY PROSPECTUS T. Rowe Price No-Load Variable Annuity An Individual Flexible

More information

ANNUITIES INCOME. MetLife Guaranteed Income Builder SM INCOME. for. Life Living You

ANNUITIES INCOME. MetLife Guaranteed Income Builder SM INCOME. for. Life Living You ANNUITIES INCOME MetLife Guaranteed Income Builder SM INCOME for Life Living You THE STRENGTH OF METLIFE MetLife meets the challenges of today by drawing upon a long history of success. For over 140 years,

More information

Understanding Annuities: A Lesson in Annuities

Understanding Annuities: A Lesson in Annuities Understanding Annuities: A Lesson in Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income that you

More information

Understanding Annuities: A Lesson in Indexed Annuities

Understanding Annuities: A Lesson in Indexed Annuities Understanding Annuities: A Lesson in Indexed Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income that

More information

Fixed Income Annuities American Pathway Deferred Income Annuity (DIA) Qualified Longevity Annuity Contracts (QLAC)

Fixed Income Annuities American Pathway Deferred Income Annuity (DIA) Qualified Longevity Annuity Contracts (QLAC) Fixed Income Annuities American Pathway Deferred Income Annuity (DIA) Qualified Longevity Annuity Contracts (QLAC) Presenter: Charles Samuel, Internal Wholesaler for AIG Life and Retirement Annuities issued

More information

There s a New York Life Variable Annuity for Everyone

There s a New York Life Variable Annuity for Everyone Annuities There s a Variable Annuity for Everyone Product Comparison Premier Plus Variable Annuity Premier Variable Annuity Complete Access Variable Annuity Flexible Premium Variable Annuity II The Company

More information

How can an annuity help with retirement PLANNING?

How can an annuity help with retirement PLANNING? SUN LIFE FINANCIAL S GUIDE TO UNDERSTANDING ANNUITIES How can an annuity help with retirement PLANNING? You ve done a good job planning for retirement and have taken advantage of a 401(k) or IRA. You know

More information

Guaranteed income for life. In any market.

Guaranteed income for life. In any market. Guaranteed income for life. In any market. Schwab Retirement Income Variable Annuity with optional Guaranteed Lifetime Withdrawal Benefit. A variable annuity from Charles Schwab, issued by Pacific Life

More information

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency Understanding fixed annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 3/15 23264-15A Contents Get

More information

INTEREST ENHANCED DEATH BENEFIT

INTEREST ENHANCED DEATH BENEFIT INTEREST ENHANCED DEATH BENEFIT Guaranteed Growth for Your Loved Ones, Regardless of Market Performance 6/16 50114-16A Optional Benefit with Pacific Life s Fixed Indexed Annuities for New Jersey, Ohio,

More information

Variable Annuity Director Choice Access 2

Variable Annuity Director Choice Access 2 Variable Annuity May 26, 2011 2 General Contract Information 3 Optional Benefit Descriptions 5 Special Features & Annuitization 6 Withdrawal & Transfer 7 Investment Options 10 Historical Benefit Summary

More information

Protection Now. Income Later.

Protection Now. Income Later. Protection Now. Income Later. Life Insurance Retirement Plan for Women AD-OC-749C What are two problems facing today s woman? 1 2 The Family s Financial Vulnerability. Whether you are part of a two-income

More information

Advisor s Edge Variable Annuity Product Guide

Advisor s Edge Variable Annuity Product Guide Advisor s Edge Variable Annuity Product Guide Advisor s Edge Product Guide Annuities issued by: Monumental Life Insurance Company Cedar Rapids, IA Underwritten and distributed by Transamerica Capital,

More information

A variable annuity is a type of annuity in which the contract owner directs the overall investment strategy for the funds placed in the contract.

A variable annuity is a type of annuity in which the contract owner directs the overall investment strategy for the funds placed in the contract. The term annuity derives from a Latin term meaning annual and generally refers to any circumstance where principal and interest are liquidated through a series of regular payments made over a period of

More information

A variable annuity is a type of annuity in which the contract owner directs the overall investment strategy for the funds placed in the contract.

A variable annuity is a type of annuity in which the contract owner directs the overall investment strategy for the funds placed in the contract. The term annuity derives from a Latin term meaning annual and generally refers to any circumstance where principal and interest are liquidated through a series of regular payments made over a period of

More information

GUIDE TO BUYING ANNUITIES

GUIDE TO BUYING ANNUITIES GUIDE TO BUYING ANNUITIES Buying an Annuity Contract at HD Vest Before you buy any investment, it is important to review your financial situation, investment objectives, risk tolerance, time horizon, diversification

More information

Additional Death Distribution SM Additional Death Distribution+ SM GUARANTEE YOUR LEGACY. Move confidently into the future 10002061-0512

Additional Death Distribution SM Additional Death Distribution+ SM GUARANTEE YOUR LEGACY. Move confidently into the future 10002061-0512 Additional Death Distribution SM Additional Death Distribution+ SM GUARANTEE YOUR LEGACY Move confidently into the future 10002061-0512 Focused on helping people. It s important to know that you have a

More information

The individual. A Resource for Your Retirement

The individual. A Resource for Your Retirement Retirement today requires more planning than for previous generations. Americans are living longer many will live 20 to 30 years or more in retirement. Finding a way to make savings last over such a long

More information