money for retirement?

Size: px
Start display at page:

Download "money for retirement?"

Transcription

1 S E C U R I T Y B E N E F I T Foundations Annuity G U A R A N T E E D L I F E T I M E W I T H D R A W A L B E N E F I T R I D E R A V A I L A B L E O N L Y W I T H T H E 7 - Y E A R O P T I O N

2

3 The Security Benefit Foundations Annuity Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider Welcome! Most of us look forward to retirement. We want to know that when we retire we will have enough income to last a lifetime and how much money we can live on. A key risk facing retirees is longevity outliving our retirement savings. For a couple aged 65 there is a 50% chance one spouse will live to age 92, and a 25% chance one will live to age The optional Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider 2 available with Security Benefit s Foundations Annuity, issued by Security Benefit Life Insurance Company, is designed to help address longevity risk. 63 Average Retirement Age for Americans How can I make sure I have enough money for retirement? 1 Annuity 2000 Mortality Table; Society of Actuaries. 2 The charge for the optional Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider is 0.90% of the GLWB Benefit Base and will be deducted annually from the annuity s Account Value. The rider charge is guaranteed not to increase after a contract is issued. 1

4 Guaranteed Lifetime Income The GLWB Rider guarantees that you may withdraw from the Foundations Annuity a specified amount each year, called the Lifetime Annual Income. If you only withdraw the Lifetime Annual Income each year, this amount is guaranteed to be available each year for your lifetime even if your Account Value is zero. At the time you purchase the Foundations Annuity 7-year option and the GLWB Rider, you can determine the Lifetime Annual Income you can have available under the Rider. KEY CONCEPTS In order to understand how the lifetime income works, it s important to understand some key concepts: Lifetime Annual Income: Refers to the amount you may withdraw each year under the GLWB Rider. Benefit Base: Used to compute the Lifetime Annual Income and the charge for the GLWB Rider. The Benefit Base is not an amount that is available for withdrawal, annuitization, or as a death benefit. Lifetime Withdrawal Rate: The Lifetime Annual Income is calculated by multiplying the Benefit Base by a Lifetime Withdrawal Rate. The Lifetime Withdrawal Rate is based on your age at the time you begin taking Lifetime Annual Income. If you elect to receive Lifetime Annual Income for you and your spouse s lives, the Lifetime Withdrawal Rate is lower and is based on the youngest life covered. The Withdrawal Rate Schedule is shown on page 6. 2

5 THREE KEY FEATURES In the pages that follow, we ll look at three features of the GLWB Rider that determine the amount of your Lifetime Annual Income: A 1% bonus Upon purchasing the Foundations 7-year option, you will receive a 1% bonus amount that will be credited to all first-year Purchase Payments. 8.5% Benefit Base roll-up For the first 15 contract years, the Benefit Base is guaranteed to increase annually until you begin taking Lifetime Annual Income or you reach age 85, whichever comes first. The amount of the increase (using a simple calculation method) will be at least 8.5% of the Purchase Payments we receive, plus any bonus on first-year Purchase Payments, less any premium taxes and withdrawals. The annual Benefit Base roll-up is applied only on contract anniversaries. If on the contract anniversary the Account Value is higher than the Benefit Base after the roll-up is applied, then the Benefit Base will step-up to the Account Value. Lifetime Withdrawal Rate up to 7% For every year you delay taking the Lifetime Annual Income, the Lifetime Withdrawal Rate increases 0.10%, up to a maximum rate of 7% for single life and 6.5% for joint lives at age 80 or later. You will receive a predictable amount of income for the rest of your life, or you and your spouse s lives, as long as you only take withdrawals equal to the Lifetime Annual Income. In addition to all of these great features, this product is also RMD-friendly. That means that if the RMD amount is greater than the Lifetime Annual Income, the RMD can be taken without reducing the Benefit Base or Lifetime Annual Income amounts. This brochure highlights the features and guarantees of the Foundations Annuity GLWB Rider. For more specific information, see your annuity contract and visit with your financial professional. 3

6 A 1% BONUS Besides offering income guarantees, you receive a 1% bonus on all Purchase Payments made in the first contract year. The Bonus is applied to your Account Value and is therefore reflected in the Benefit Base. By applying the Bonus to the Benefit Base, the amount of your Lifetime Annual Income will be increased. The Benefit Base is not an amount that is available for withdrawal, annuitization, or as a death benefit. The chart at right shows the bonus amounts for the Foundations Annuity. Bonus annuities may include lower caps or interest rates, longer surrender periods, higher surrender charges or other restrictions that are not included in annuities that don t offer a bonus feature. The amount of charges or reduction in interest credits may exceed the amount of the bonus. Bonus (as a percentage of first-year Purchase Payments) Surrender Period Bonus % 1% Bonus Examples Foundations 7 7 years Initial Purchase Payment $300,000 Bonus Amount $3,000 Account Value upon Issue $303,000 Benefit Base upon Issue $303,000 4

7 8.5% BENEFIT BASE ROLL-UP One of the features of the GLWB Rider is that the longer you wait to take withdrawals from the Foundations Annuity, the greater the Lifetime Annual Income you can receive each year. For the first 15 contract years, the Benefit Base is guaranteed to increase annually until you begin taking Lifetime Annual Income or you reach age 85, whichever comes first. The amount of the increase will be at least 8.5% of the Purchase Payments we receive, plus any bonus on first-year Purchase Payments, less any premium taxes and withdrawals. This increase in your Benefit Base is guaranteed, no matter what happens to your Account Value. The annual Benefit Base roll-up is applied only on contract anniversaries. The chart below shows how the Benefit Base increases if you wait to take Lifetime Annual Income. 3 To illustrate the Benefit Base and the roll-up feature, we ll begin with the same initial Purchase Payment we used in the Bonus example on page 4. Benefit Base Increase Initial Purchase Payment 1% Bonus Benefit Base upon Contract Issue $300,000 $3,000 $303,000 Automatically step-up your Benefit Base On each contract anniversary, if your Account Value is greater than your Benefit Base after the roll-up if it applies, then your Benefit Base will increase to equal your Account Value. This is called the step-up. Value of the Benefit Base with Roll-up 4 Benefit Base (upon contract issue) $303,000 Year 5 Benefit Base $431,775 Year 10 Benefit Base $560,550 Year 15 Benefit Base $689,325 Year 0 3 This chart reflects the GLWB Benefit Base Value and not the actual Account Values of the annuity. The chart assumes no withdrawals. 4 The Benefit Base is not the same as your Account Value and is not available for withdrawal or annuitization or upon death. 5 5

8 LIFETIME WITHDRAWAL RATE UP TO 7% When you purchase the GLWB Rider with your Security Benefit Foundations 7-year Annuity, you can receive guaranteed income through withdrawals of the Lifetime Annual Income for the rest of your life. When Lifetime Annual Income begins, the Lifetime Withdrawal rate is locked in and never changes. You can also determine your yearly Lifetime Annual Income so you can better prepare for tomorrow s needs. How much you receive depends on the amount of and timing of your Purchase Payments, the age at which you begin taking Lifetime Annual Income, whether you want your income to last as long as you live or as long as both you and your spouse live, and whether you take any withdrawals in addition to the Lifetime Annual Income. The longer you wait to take any withdrawals, the higher your Lifetime Annual Income can be. 5 This is also true of the joint life option. 6 To the right is the Lifetime Withdrawal Rate schedule to help you predict how much income, as a percentage of your Benefit Base, you can plan on for the rest of your life. It s important to know that taking out withdrawals before beginning the Lifetime Annual Income and withdrawals in excess of the Lifetime Annual Income in any given year may reduce the Lifetime Annual Income you may withdraw from your contract by more than the dollar amount withdrawn. Lifetime Withdrawal Rate Schedule Age Single Life Joint Life % 3.5% % 3.6% % 3.7% % 3.8% % 3.9% % 4.0% % 4.1% % 4.2% % 4.3% % 4.4% % 4.5% % 4.6% % 4.7% % 4.8% % 4.9% % 5.0% % 5.1% % 5.2% % 5.3% % 5.4% % 5.5% % 5.6% % 5.7% % 5.8% % 5.9% % 6.0% % 6.1% % 6.2% % 6.3% % 6.4% % 6.5% 5 Withdrawals made prior to beginning Lifetime Annual Income and withdrawals that exceed the Lifetime Annual Income amount reduce the Benefit Base and the Lifetime Annual Income. These types of withdrawals reduce future benefits under this Rider by more than the dollar amount of the withdrawals. In addition, during the surrender charge period, withdrawals may also be subject to a market value adjustment (MVA) and a surrender charge if the withdrawal exceeds the free withdrawal amount under the annuity. 6 When you begin taking Lifetime Annual Income, the Lifetime Withdrawal Rate is locked in and never changes. The Roll-up to the Benefit Base also stops. The earliest age to take the lifetime withdrawal is age 50. The Lifetime Annual Income is figured by multiplying the Benefit Base by the Lifetime Withdrawal Rate that applies for your age or the age of the youngest person if income payments are made to you and a spouse. 6

9 INCOME EXAMPLE The GLWB Rider allows you to create a predictable income stream through the Lifetime Annual Income at a time of your choosing in retirement. You can create income immediately upon purchase of your annuity or you can wait to take Lifetime Annual Income. The longer you wait, the higher your Lifetime Annual Income can be. The following example shows how the features of the GLWB Rider work together. Bob and Betsy purchase their Security Benefit Foundations Annuity with the GLWB rider and a $300,000 premium when Bob is 55 and Betsy is 53. That means they will have the 7-year surrender period, and they get the 1% bonus. Because they have other income, they plan on taking income from this annuity when Bob reaches age 65. While Bob and Betsy wait to take Lifetime Annual Income, the Benefit Base increases annually by at least the 8.5% Roll-up. 7 Their Benefit Base is shown below. The chart shows the minimum Benefit Base that Bob and Betsy can count on, assuming they take no withdrawals prior to taking Lifetime Annual Income. Based on the 8.5% roll-up to the Benefit Base, when Bob reaches age 65, Bob and Betsy can decide whether they want to receive income for Bob s life and receive $30,830 or for Bob and Betsy s lives and receive $26,906. If they decide to wait another five years, the Lifetime Annual Income amount increases to $41,360 if they receive income from Bob s life and $36,534 if they receive income for Bob and Betsy s lives. Lifetime Income Example Bob s Age GLWB Benefit Base Lifetime Annual Income (Bob Only) Lifetime Annual Income (Bob & Betsy) 55 $303,000 $13,635 $11, $431,775 $21,589 $18, $560,550 $30,830 $26, $689,325 $41,360 $36, The annual Roll-up applies to the Benefit Base for each year you delay taking income up to age 85, to the end of the 15-year Benefit Base Roll-up term, or to the date you begin taking income under the Rider, whichever comes earliest. The reference to simple interest refers to the way the Benefit Base is calculated. It is not 8.5% simple interest credited to your account and is not an amount available for withdrawal or payable on death.

10 AT A GLANCE GLWB Rider information Rider Purchase The GLWB Rider can only be purchased at contract issue. It is only available with the Foundations 7-year option. Withdrawals It is important to note that withdrawals taken prior to taking Lifetime Annual Income, and withdrawals in excess of your guaranteed Lifetime Annual Income amount, may reduce your Issue Ages (oldest Owner or Annuitant) for the GLWB Rider. guaranteed Lifetime Annual Income by more than the dollar amount withdrawn. If you take withdrawals in excess of the 10% free withdrawal during the surrender charge period, your GLWB Rider Cancellation The contract Owner may cancel the GLWB Rider on any contract anniversary on or after the fifth contract anniversary. It may not be reinstated once it is canceled. withdrawal may also be subject to surrender charges and a market value adjustment. Once Lifetime Annual Income begins, withdrawals up to the Lifetime Annual Income amount are not subject to an MVA, surrender charge and a bonus recapture, even if they are over Benefit Base The Benefit Base is the amount used to compute the Lifetime Annual Income and rider charge. It is not an amount that may be withdrawn or annuitized and is not an amount payable at death. the 10% free-withdrawal limit. Contract withdrawals and Lifetime Annual Income are subject to ordinary income tax and, if made before age 59 1 /2, may incur a 10% IRS penalty tax. If you are required to take Required Minimum Distributions GLWB Rider Charges The annual charge is 0.90% of the GLWB Benefit Base and is deducted from the Account Value on the contract anniversary. The (RMDs) and the RMD amount is higher than the Lifetime Annual Income Amount, you can receive the RMD amount without reducing the Benefit Base or the Lifetime Annual Income amount. charge is also deducted upon payment of any amounts payable at death, a full surrender of the contract, or the Annuity Start Date if the entire Account Value is applied to an annuity option. The rider charge is guaranteed not to increase after a contract is issued. Lifetime Annual Income Continuation upon Death of the Owner At the time you select when you would like the Lifetime Annual Income to begin, you also select whether the GLWB Rider is for Additional Purchase Payments If you make additional Purchase Payments into your annuity, your GLWB Benefit Base will be equal to the current Benefit Base plus your additional Purchase Payments, less any premium taxes that apply. If you make additional Purchase Payments within the first year of your contract, then your GLWB Benefit Base will be equal to the current Benefit Base plus your additional Purchase Payments plus a bonus on the additional Purchase Payment amount, less any premium taxes that apply. you or for you and your spouse. (In the states that require it, you may select the GLWB Rider to be for you and your domestic or civil union partner.) For Lifetime Annual Income to continue for your spouse s lifetime, your spouse must be named as the designated beneficiary or the Joint Owner of your annuity. If someone other than your spouse is the designated beneficiary or Joint Owner of your annuity, under the federal tax laws, upon your death your annuity must terminate along with the GLWB Rider. In that event, Lifetime Annual Income is no longer payable and we will make a payment on your death. A domestic or civil union partner is not currently viewed as a spouse under the federal tax laws. 8

11 ABOUT SECURITY BENEFIT For more than 120 years, Security Benefit has been in the business of helping others. We do that today by fostering strong partnerships to provide insightful and customized retirement solutions for individuals nationwide through a broad network of independent financial professionals. Our only focus is retirement - helping you save for it and, most importantly, helping you enjoy it to its fullest potential. At Security Benefit, we are one of America s leading retirement companies by offering a compelling and customized suite of retirement savings and income products to help pre- and post-retirees achieve a secure retirement. We continue to deliver on our longstanding reputation for excellence. We re here to provide solutions that lead up to and carry you through your retirement years. All of this is built upon a solid financial foundation that means we believe we can deliver on our promises and your future. For more information about our financial strength and ratings, please visit SecurityBenefit.com. This brochure contains highlights only. Please refer to the annuity contract for a full explanation of the product and any charges or limitations. The Security Benefit Foundations Annuity (Form 5800 (11-10) and ICC (11-10)), a fixed indexed flexible premium deferred annuity contract, and the Guaranteed Lifetime Withdrawal Benefit Rider (Form 5821 (5-11) and ICC (5-11)), an optional rider available for purchase with the Security Benefit Foundations Annuity and for which a premium is charged, are issued by Security Benefit Life Insurance Company. Product features, limitations and availability may vary by state. Guarantees provided by annuities are subject to the financial strength of the issuing insurance company and: Annuities are not FDIC or NCUA/NCUSIF insured; are not obligations or deposits of, and are not guaranteed or underwritten by any bank, savings and loan, or credit union or its affiliates; are unrelated to and not a condition of the provision or term of any banking service or activity. S&P is a registered trademark of Standard & Poor s Financial Services LLC ( S&P ) and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ). These trademarks have been licensed for use by S&P Dow Jones Indices LLC. S&P and S&P 500 are trademarks of S&P and have been sublicensed for certain purposes by Security Benefit Life Insurance Company. The S&P 500 index is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by Security Benefit Life Insurance Company. The Security Benefit Foundations Annuity is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P or their respective affiliates make any representation regarding the advisability of purchasing such product. Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market Indices do not include dividends paid on the underlying stocks, and therefore do not reflect the total return of the underlying stocks; neither an Index nor any market indexed annuity is comparable to a direct investment in the equity markets. Clients who purchase indexed annuities are not directly investing in a stock market index. Neither Security Benefit nor its representatives offer legal or tax advice. Please consult your personal attorney and/or advisor regarding any legal or tax matters. 9

12 Inside this brochure are three important concepts to help you build a stronger foundation: Understanding the retirement challenges you may face How to protect your savings How to create your retirement income solution Your path To and Through Retirement begins here. Looking for additional guidance? Talk to your Financial Advisor or call Security Benefit at SecurityBenefit.com ANNUITIES MUTUAL FUNDS RETIREMENT PLANS TO AND THROUGH RETIREMENT One Security Benefit Place Topeka, Kansas /08/11

THE SECURITY BENEFIT TOTAL VALUE ANNUITY. One of your objectives with your retirement savings may be to leave

THE SECURITY BENEFIT TOTAL VALUE ANNUITY. One of your objectives with your retirement savings may be to leave THE SECURITY BENEFIT TOTAL VALUE ANNUITY DEATH BENEFIT RIDER One of your objectives with your retirement savings may be to leave something for the people you care about. Purchasing the optional Death Benefit

More information

Secure Income Annuity. Guaranteed Lifetime Withdrawal Benefit Rider. retire CONFIDENTLY

Secure Income Annuity. Guaranteed Lifetime Withdrawal Benefit Rider. retire CONFIDENTLY Secure Income Annuity Guaranteed Lifetime Withdrawal Benefit Rider retire CONFIDENTLY Welcome! Security Benefit Secure Income Annuity Guaranteed Lifetime Withdrawal Benefit Rider Most of us look forward

More information

Security Benefit Secure Income Annuity. Base Product. live CONFIDENTLY

Security Benefit Secure Income Annuity. Base Product. live CONFIDENTLY Security Benefit 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

More information

THE SECURITY BENEFIT FOUNDATIONS ANNUITY

THE SECURITY BENEFIT FOUNDATIONS ANNUITY THE SECURITY BENEFIT FOUNDATIONS ANNUITY The Security Benefit Foundations Annuity Retirement. It s a big step and one you ve spent your whole career saving for and building on. As you enter retirement,

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

Be prepared for the opportunities retirement may offer.

Be prepared for the opportunities retirement may offer. LIFETIME INCOME BENEFIT RIDER NATIONWIDE HIGH POINT 365 Be prepared for the opportunities retirement may offer. Nationwide High Point 365 Lifetime Income Benefit rider A rider for the Nationwide New Heights

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

ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider. Issued by Athene Annuity & Life Assurance Company AN1109 (7-13)

ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider. Issued by Athene Annuity & Life Assurance Company AN1109 (7-13) ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider Issued by Athene Annuity & Life Assurance Company AN1109 (7-13) ATHENE Benefit 10 Fixed Index Annuity with Enhanced Benefit Rider A

More information

Enter retirement with confidence

Enter retirement with confidence Nationwide High Point 365 Lifetime Income Benefit rider Guaranteed Lifetime Income Enter retirement with confidence Nationwide New Heights Fixed Indexed Annuity with Nationwide High Point 365 provides

More information

Optional Income Protection Rider

Optional 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 03/07/15 Can you predict how long you ll

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

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

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

GROW more assets for retirement with interest crediting strategies that are based in part on the performance of the S&P 500 (excluding dividends).

GROW more assets for retirement with interest crediting strategies that are based in part on the performance of the S&P 500 (excluding dividends). SM Power Index Plus Annuity with Lifetime SM Income Plus PRODUCT HIGHLIGHTS Help Clients Secure More Retirement Income For Life To help your clients with their retirement goals, it s important to consider

More information

Secure Income Annuity Statement of Understanding

Secure Income Annuity Statement of Understanding Security Benefit Secure Income Annuity Statement of Understanding Effective Date: June 16, 2014 Must be signed by the customer and agent and the signature page returned to Security Benefi t with the application.

More information

Guaranteed Withdrawal and Death Benefit Rider Great American Life Insurance Company R6032810NW Form number may vary by state.

Guaranteed Withdrawal and Death Benefit Rider Great American Life Insurance Company R6032810NW Form number may vary by state. Guaranteed and Death Benefit Rider Great American Life Insurance Company R6032810NW Form number may vary by state. Introduction We offer a Guaranteed and Death Benefit through a rider to your annuity contract.

More information

ATHENE GLWB Income Rider Guaranteed Income You Can Count On. Annuities issued by Athene Annuity & Life Assurance Company S7434 (8-13)

ATHENE GLWB Income Rider Guaranteed Income You Can Count On. Annuities issued by Athene Annuity & Life Assurance Company S7434 (8-13) ATHENE GLWB Income Rider Guaranteed Income You Can Count On Annuities issued by Athene Annuity & Life Assurance Company S7434 (8-13) Purchase an annuity with a guaranteed lifetime withdrawal benefit and

More information

Voya Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by Voya Insurance and Annuity Company.

Voya Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by Voya Insurance and Annuity Company. Voya Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by Voya Insurance and Annuity Company. Paycheck, salary, livelihood No matter what you call it,

More information

Income when it counts.

Income when it counts. ING Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by ING USA Annuity and Life Insurance Company. Your future. Made easier. Paycheck, salary, livelihood

More information

Allianz MasterDex 10 Plus Annuity

Allianz MasterDex 10 Plus Annuity Allianz Life Insurance Company of North America Allianz MasterDex 10 SM Plus Annuity Start building today the life you want tomorrow CB51288-03 Page 1 of 16 Discover the MasterDex 10 Plus SM Annuity from

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

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

Allianz 222 Annuity. Protection and flexible benefits. Allianz Life Insurance Company of North America CB95352-1

Allianz 222 Annuity. Protection and flexible benefits. Allianz Life Insurance Company of North America CB95352-1 Allianz Life Insurance Company of North America Allianz 222 Annuity Protection and flexible benefits CB95352-1 Must be used with Allianz 222 Annuity consumer brochure insert (CB95352-B) or appropriate

More information

PRODUCT COMPARISON GUIDE

PRODUCT COMPARISON GUIDE Index Annuities PRODUCT COMPARISON GUIDE Power 10 SM Protector Power 10 Protector Plus SM Income Issued By American General Life Insurance Company SM Power 10 Protector Description Issue age Premium Premium

More information

Allianz Endurance Plus Annuity

Allianz Endurance Plus Annuity Allianz Life Insurance Company of North America Allianz Endurance Plus Annuity A versatile and flexible retirement solution CB59951-03 Page 1 of 16 Discover the Allianz Endurance Plus Annuity. A solid

More information

Aviva MultiChoice SM Xtra S

Aviva MultiChoice SM Xtra S We are building insurance around you. Aviva MultiChoice SM Xtra S Fixed Indexed Annuity 81143 (Rev. 12/12) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return

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

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

Security Benefit Statement of Understanding

Security Benefit Statement of Understanding Security Benefit Statement of Understanding Effective Date: June 13, 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 information

ForeFront TM Fixed Index Annuity Series Agent Training

ForeFront TM Fixed Index Annuity Series Agent Training ForeFront TM Fixed Index Annuity Series Agent Training FOR AGENT USE ONLY NOT FOR USE WITH THE PUBLIC 2014 Forethought Two products, one purpose - to meet the unique needs of each client The ForeFront

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

Your guide to Nationwide New Heights Fixed Indexed Annuity

Your guide to Nationwide New Heights Fixed Indexed Annuity Your guide to Nationwide New Heights Fixed Indexed Annuity Nationwide High Point 365 Lifetime Income Benefit rider Nationwide High Point Enhanced Death Benefit rider Not a deposit Not FDIC or NCUSIF insured

More information

Protective Indexed Annuity II

Protective Indexed Annuity II Protective Indexed Annuity II Fixed Indexed Annuity Profile PAC.5093 (02.14) Protective Life annuities are designed specifically to help you more effectively prepare for and experience retirement. The

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

Retirement Chapters 10 SM

Retirement Chapters 10 SM Delaware Life Retirement Chapters 0 SM Fixed Index Annuity The Retirement Challenge Retirement is a time to do the things that you never have a chance to do when you re working, raising a family, and paying

More information

BalancedAllocation LIFETIME INCOME RIDER THE INCOME RIDER AS UNIQUE AS YOU.

BalancedAllocation LIFETIME INCOME RIDER THE INCOME RIDER AS UNIQUE AS YOU. BalancedAllocation LIFETIME INCOME RIDER THE INCOME RIDER AS UNIQUE AS YOU. Why stop when it comes to planning your retirement income? A retirement plan isn t just about that moment when you retire, but

More information

Series. Eagle Select. Fixed Indexed Annuity (ICC13 E-IDXA)* Issued by:

Series. Eagle Select. Fixed Indexed Annuity (ICC13 E-IDXA)* Issued by: Fixed Indexed Annuity Eagle Select Series (ICC13 E-IDXA)* Issued by: * Form number and availability may vary by state. Annuity contracts are products of the insurance industry and are not guaranteed by

More information

Build a financially strong retirement with AG Lifetime Income Builder

Build a financially strong retirement with AG Lifetime Income Builder Consumer Guide This guide must be presented along with an index annuity consumer guide. AG Lifetime Income Builder SM optional living benefit rider Build a financially strong retirement with AG Lifetime

More information

Understanding variable annuities

Understanding variable annuities Allianz Life Insurance Company of North America Understanding variable annuities Discover how you can insure a portion of your retirement assets. USA-1517 Page 1 of 20 Solutions for RETIREMENT REALITIES

More information

Build your retirement plan to last a lifetime.

Build your retirement plan to last a lifetime. Build your retirement plan to last a lifetime. Phoenix Personal Income Annuity A single-premium fixed indexed annuity with lifetime income options IRS Circular 230 Disclosure: Any information contained

More information

Aim for the Horizon. Security. Growth. Flexibility. Strength. CONSUMER Guide

Aim for the Horizon. Security. Growth. Flexibility. Strength. CONSUMER Guide CONSUMER Guide AG HorizonIndex 9 Annuity AG HorizonIndex 12 Annuity index single-premium deferred annuity with premium bonus, market value adjustment and AG Lifetime Income Builder optional living benefit

More information

Allianz MasterDex X Annuity

Allianz MasterDex X Annuity Allianz Life Insurance Company of North America Allianz MasterDex X Annuity Focus on the X factor CB52575-NFA-3 1 of 20 Discover the MasterDex X Annuity A fixed index annuity from Allianz Life Insurance

More information

Build your retirement plan to last a lifetime.

Build your retirement plan to last a lifetime. Build your retirement plan to last a lifetime. Phoenix Personal Income Annuity A single-premium fixed indexed annuity with lifetime income options Investment and Insurance Products: c Not FDIC Insured

More information

Allianz MasterDex X Annuity

Allianz MasterDex X Annuity Allianz Life Insurance Company of North America Allianz MasterDex X Annuity Focus on the X factor CB52575-3 Page 1 of 16 Page 2 of 16 Discover the MasterDex X Annuity A solid retirement plan considers

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

Lifetime Income Benefit Rider

Lifetime 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 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

Clear Income Fixed Annuity FP Series 1 Issuing company

Clear Income Fixed Annuity FP Series 1 Issuing company Just the facts about the New York Life... Clear Income Fixed Annuity FP Series 1 Issuing company Issue ages Minimum initial premium Additional premiums Interest crediting Interest crediting bands New York

More information

North American Pillar 13930Z REV 08-12

North American Pillar 13930Z REV 08-12 North American Pillar fixed index annuity 13930Z REV 08-12 North American Pillar Are you looking for ways to manage your future retirement income today so that you can enjoy financial freedom later? North

More information

GuGGenHeiM LiFe And AnnuitY COMPAnY. Preserve Multi-Year Guaranteed Annuity Product

GuGGenHeiM LiFe And AnnuitY COMPAnY. Preserve Multi-Year Guaranteed Annuity Product GuGGenHeiM LiFe And AnnuitY COMPAnY Preserve Multi-Year Guaranteed Annuity Product guggenheim life AnD Annuity COmPAny Preserve Multi-Year Guaranteed Annuity Product It s never too early to start planning

More information

How it works. A Guaranteed Lifetime Withdrawal Benefit

How it works. A Guaranteed Lifetime Withdrawal Benefit How it works. A Guaranteed Lifetime Withdrawal Benefit A clear path to retirement. For many, the key to retirement success is matching your retirement income to the lifestyle you desire. The New York Life

More information

Allianz MasterDex X Annuity. Allianz Life Insurance Company of North America CB52575-NFA-CA-2. Page 1 of 16

Allianz MasterDex X Annuity. Allianz Life Insurance Company of North America CB52575-NFA-CA-2. Page 1 of 16 Allianz Life Insurance Company of North America CB52575-NFA-CA-2 Page 1 of 16 Discover the MasterDex X Annuity from Allianz. A fixed index annuity from Allianz can be a valuable asset. A prudent plan shouldn

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

Lifetime Income Benefit Rider

Lifetime Income Benefit Rider for a secure Retirement Lifetime Income Benefit Rider (ICC13 R-LIBR.1)* with Enhanced Death(13Benefit or R-LIBR-EDB.1)* Wellbeing Rider (13 R-LIBR-W.1)* for use with Fixed Indexed Annuities Included automatically

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

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

14-YEAR SURRENDER PERIOD Issue Ages 0-65 1

14-YEAR SURRENDER PERIOD Issue Ages 0-65 1 NORTH AMERICAN Charter SM 14 Fixed INDEX ANNUITY 16761Z-04 PRT 08-12 [Any annotations are personal comments for research, informational and education purposes ONLY. Sales Proposals ONLY allow the addition

More information

NWL s Withdrawal Benefit Rider 01-3128-09

NWL s Withdrawal Benefit Rider 01-3128-09 NWL s Withdrawal Benefit Rider 01-3128-09 Still A Sure WIN to Provide Security For Your Withdrawal Income Needs! Optional Benefit Available on Indexed Annuities DM-1120.Rev.1.13 National Western Life Insurance

More information

for a secure Retirement Bonus Gold (INDEX-1-07)* *Form number varies by state.

for a secure Retirement Bonus Gold (INDEX-1-07)* *Form number varies by state. for a secure Retirement Bonus Gold (INDEX-1-07)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard everyday

More information

UNDERSTANDING FIXED INDEXED ANNUITIES

UNDERSTANDING FIXED INDEXED ANNUITIES UNDERSTANDING FIXED INDEXED ANNUITIES INTRODUCING FIXED INDEXED ANNUITIES Fixed Indexed Annuities combine the features of Fixed Annuities including tax-deferred interest accumulation, a minimum guaranteed

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

Sentinel Security Life Insurance Company Product Specific Training

Sentinel Security Life Insurance Company Product Specific Training Sentinel Security Life Insurance Company Product Specific Training 1. Review the attached slideshows. 2. Send an email to licensing@sslco.com and contracting@ronrawlings.com with your name, agent number,

More information

for a secure Retirement Retirement Gold (INDEX-2-09)* *Form number varies by state.

for a secure Retirement Retirement Gold (INDEX-2-09)* *Form number varies by state. for a secure Retirement Retirement Gold (INDEX-2-09)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard

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

ADV 1223 (11-2011) Rev. 01-2013 13-017

ADV 1223 (11-2011) Rev. 01-2013 13-017 FG Income for Life Guaranteed Minimum Withdrawal Benefit Rider Fidelity & Guaranty Life Insurance Company ADV 1223 (11-2011) Rev. 01-2013 13-017 FG Income for Life Guaranteed Minimum Withdrawal Benefit

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

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

EquiTrust Life Insurance Company West Des Moines, Iowa 50266

EquiTrust Life Insurance Company West Des Moines, Iowa 50266 EquiTrust Life Insurance Company West Des Moines, Iowa 50266 Income Benefit Rider This Rider is attached to and made part of the Contract to which it is attached. If any provisions of the Contract conflict

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

Rising Income Benefit

Rising Income Benefit Rising Income Benefit Protected Lifetime Income Benefit PAC.5322 (07.15) Retirement income planning is an evolving process. Consider the years leading up to retirement. Initially, concerns often include

More information

Living Benefit Comparison Report prepared for Your Retirement Professional on January 23, 2013

Living Benefit Comparison Report prepared for Your Retirement Professional on January 23, 2013 The Living Benefit Calculator Comparison Report is designed to provide Licensed Professionals with a tool to calculate and compare the minimum guaranteed income available from living benefit riders available

More information

Pinnacle MYGA SM. A Multi-Year Guaranteed Annuity

Pinnacle MYGA SM. A Multi-Year Guaranteed Annuity Pinnacle MYGA SM A Multi-Year Guaranteed Annuity Delaware Life SM A Leading Provider of Annuities and Life Insurance At Delaware Life Ș M we are committed to providing compelling products paired with exceptional

More information

Allianz MasterDex 5 Plus Annuity

Allianz MasterDex 5 Plus Annuity Allianz Life Insurance Company of North America Allianz MasterDex 5 SM Plus Annuity Make your plans. Then make them happen. CB51261-3 Page 1 of 16 Discover the MasterDex 5 Plus SM Annuity from Allianz.

More information

Clear Income Fixed Annuity 1

Clear Income Fixed Annuity 1 Just the facts about New York Life... Clear Income Fixed Annuity 1 Issuing company New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation), a wholly owned subsidiary of New York

More information

ANNUITY DISCLOSURE MODEL REGULATION. Standards for the Disclosure Document and Buyer s Guide Report to Contract Owners *****

ANNUITY DISCLOSURE MODEL REGULATION. Standards for the Disclosure Document and Buyer s Guide Report to Contract Owners ***** Draft: 7/15/08 Revisions to Appendix A in Model 245 Edits by K Kitt and B. Cude 9/16/09 Comments should be sent by email to Jennifer Cook at jcook@naic.org by October 23, 2009. Table of Contents ANNUITY

More information

NAC RetireChoice SM 10 FIXED INDEX ANNUITY 16107Z REV 07-12

NAC RetireChoice SM 10 FIXED INDEX ANNUITY 16107Z REV 07-12 NAC RetireChoice SM 10 FIXED INDEX ANNUITY 16107Z REV 07-12 FLEXIBLE CHOICES THAT FIT Most people dream about having a secure and comfortable retirement. And now because we re living longer, healthier

More information

B1096013NW. Safe Return. a fixed-indexed annuity from Great American Life Insurance Company, a subsidiary of Great American Financial Resources, Inc.

B1096013NW. Safe Return. a fixed-indexed annuity from Great American Life Insurance Company, a subsidiary of Great American Financial Resources, Inc. B1096013NW Safe Return a fixed-indexed annuity from Great American Life Insurance Company, a subsidiary of Great American Financial Resources, Inc. A great American icon: Old Faithful Geyser in Yellowstone

More information

ING Fixed Annuities Product Guide

ING Fixed Annuities Product Guide ING Fixed Annuities Product Guide ANNUITIES Agent Use Only. Your future. Made easier. SM ING Secure Series Features ING Secure Index Opportunities Plus Annuity ING Secure Index Seven Annuity ING Secure

More information

NORTH AMERICAN FORMULA CHOICE FIXED INDEX ANNUITY 11079Z-06 REV 08-10

NORTH AMERICAN FORMULA CHOICE FIXED INDEX ANNUITY 11079Z-06 REV 08-10 NORTH AMERICAN FORMULA CHOICE FIXED INDEX ANNUITY 11079Z-06 REV 08-10 NORTH AMERICAN FORMULA CHOICE The Formula Choice is a flexible premium, fixed index annuity that offers you the ability to apply all

More information

Your Guide to Fixed Annuities

Your Guide to Fixed Annuities Your Guide to Fixed Annuities A Smart Choice for Safety Conscious Individuals Seeking Financial Security Protect Your Future Whether you re preparing for retirement or already enjoying retirement, a fixed

More information

Understanding and Benefiting from FIXED INDEXED ANNUITIES

Understanding and Benefiting from FIXED INDEXED ANNUITIES Understanding and Benefiting from FIXED INDEXED ANNUITIES 1 What do FIXED INDEXED ANNUITIES offer? Safety of principal and previously-credited interest No risk of loss if held to term Minimum contract

More information

13930Z-42 REV 05-11 GUARANTEED MINIMUM DEATH BENEFIT RIDER 14923Z PRT 06-11

13930Z-42 REV 05-11 GUARANTEED MINIMUM DEATH BENEFIT RIDER 14923Z PRT 06-11 13930Z-42 REV 05-11 GUARANTEED MINIMUM DEATH BENEFIT RIDER 14923Z PRT 06-11 ENHANCE YOUR DEATH BENEFIT WITH AN OPTIONAL RIDER ADDED TO YOUR FIXED INDEX ANNUITY In addition to your retirement planning goals,

More information

NAIC Buyer s Guide for Deferred Annuities

NAIC Buyer s Guide for Deferred Annuities NAIC Buyer s Guide for Deferred Annuities Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory

More information

The Income 150+ TM Fixed Index Annuity Strong Guarantees and Great Potential

The Income 150+ TM Fixed Index Annuity Strong Guarantees and Great Potential TM Strong Guarantees and Great Potential The Income 150+ Fixed Index Annuity is a single premium, Fixed Index Annuity made in the USA by Forethought Life Insurance Company. It is designed with a unique

More information

Buyer s Guide for Deferred Annuities. Table of Contents

Buyer s Guide for Deferred Annuities. Table of Contents Buyer s Guide for Deferred Annuities Table of Contents What Is an Annuity?... 1 When Annuities Start to Make Income Payments... 1 How Deferred Annuities Are Alike... 1 How Deferred Annuities Are Different...

More information

Give your benefi ciaries an Edge

Give your benefi ciaries an Edge Enhanced Death Benefit Rider Give your benefi ciaries an Edge Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC or NCUA/NCUSIF insured Not guaranteed

More information

Buyer s Guide for. Deferred Annuities

Buyer s Guide for. Deferred Annuities Buyer s Guide for Deferred Annuities Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory

More information

Protect your financial future: Your income, your family, your lifestyle. PHOENIX PERSONAL PROTECTION CHOICE SM

Protect your financial future: Your income, your family, your lifestyle. PHOENIX PERSONAL PROTECTION CHOICE SM Protect your financial future: Your income, your family, your lifestyle. PHOENIX PERSONAL PROTECTION CHOICE SM A single-premium fixed indexed annuity with flexibility to address multiple needs Investment

More information

ING Fixed Annuities Product Guide

ING Fixed Annuities Product Guide ING Fixed Annuities Product Guide ANNUITIES For agent use only. Not for public distribution. Your future. Made easier. ING Secure Series Features ING Secure Index Opportunities Plus Annuity ING Secure

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

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

Key Person Insurance SALES IDEA. Help protect your business and retain your key employees using Foundation Builder Index UL

Key Person Insurance SALES IDEA. Help protect your business and retain your key employees using Foundation Builder Index UL Producer Material I Index Universal Life Insurance SALES IDEA Key Person Insurance Help protect your business and retain your key employees using Foundation Builder Index UL Protecting your business from

More information

Buyer s Guide for. Deferred Annuities. For personal, non-commercial use only.

Buyer s Guide for. Deferred Annuities. For personal, non-commercial use only. Buyer s Guide for Deferred Annuities Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory

More information

Buyer s Guide for Deferred Annuities Fixed. Table of Contents

Buyer s Guide for Deferred Annuities Fixed. Table of Contents Buyer s Guide for Deferred Annuities Fixed Table of Contents What Is an Annuity?...2 When Annuities Start to Make Income Payments... 2 How Deferred Annuities Are Alike... 2 How Deferred Annuities Are Different...

More information

Allianz MasterDex 5 Plus SM Annuity

Allianz MasterDex 5 Plus SM Annuity Allianz Life Insurance Company of North America Allianz MasterDex 5 Plus SM Annuity Make your plans. Then make them happen. CB51261-2 Page 1 of 16 A fixed index annuity from Allianz can be a valuable asset.

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

Allianz Dominator Plus Annuity

Allianz Dominator Plus Annuity Allianz Life Insurance Company of North America Allianz Dominator Plus Annuity Assured interest with a locked-in interest rate. CB52121 Page 1 of 11 Allianz Dominator Plus Annuity from Allianz Life Insurance

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

Phoenix Personal Income Annuity

Phoenix 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 information