Total Interest Annuity
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1 SECURITY BENEFIT Total Interest Annuity FIXED ANNUITY 403(b ) / ROTH 403(b ) IRA / ROTH IRA
2 Total Interest Annuity STABILITY ASSURANCE PROTECTION You can never be certain what the financial market will do to your investments. The Security Benefit Total Interest Annuity can help you protect your contributions and earn interest that is guaranteed to be there for you at retirement.
3 Your retirement is your event. As you edge closer to it, you need to consider what a market downturn could do to your retirement savings and all the plans you have for retirement. You need assurance. You need a guarantee. Plan for Retirement Financial markets can be unpredictable with the potential for big gains and big losses. While a long-term investment strategy may provide enough time for your investments to recover from losses, entering retirement during the middle of a market downturn may hurt or delay your retirement plans. As you move closer to retirement, you need to consider balancing accumulation strategies that are more aggressive with those that aren t sensitive to the ups and downs of the stock market in order to start preserving your assets 1. Whether you re saving for retirement through your employer s retirement plan or your own Individual Retirement Account (IRA), you can purchase a vehicle that provides a measure of protection. The Security Benefit Total Interest Annuity offers you a way to continue to grow a part of your assets while providing protection. Stability Find out how your contributions into the Total Interest Annuity are protected from market risk. Assurance Learn how you can protect your future retirement contributions and your current retirement savings. Protection Understand how you earn interest that is guaranteed regardless of how the market performs. 3 1 Withdrawals taken before the end of the surrender charge period may be subject to surrender charges.
4 Stability Avoid Market Risk As you have carefully saved for retirement throughout your career, you may have chosen typical, market-based assets for example, a mutual fund. During market downturns you may become concerned about your investments and their ability to recover. It can be important to protect your retirement contributions from risk as you approach retirement. The Total Interest Annuity allows you to avoid experiencing the pitfalls of the financial market by placing a part of your retirement savings into an annuity that is separate from traditional retirement assets which can fluctuate with the market. The Total Interest Annuity can help you begin retirement with assets that are guaranteed. You may find comfort knowing that your principal is protected and that your contract will be consistently receiving interest each year, regardless of how the market performs. Principal Protection Unlike mutual funds that may be a part of your retirement account, the Total Interest Annuity is guaranteed to credit interest every day. No matter what is happening in the market, the value in your contract receives interest. And, your contract s value is always protected from market downturns or recessions, backed by the guarantees of Security Benefit Life Insurance Company (Security Benefit). Security Benefit has been helping people, like you, To and Through Retirement for more than 120 years. Stability Growth PRINCIPAL PROTECTION Assurance 4
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6 Assurance Can you afford a do-over when it comes to your retirement savings? When you review your retirement savings, it s not always about how much you have but when you plan to actually retire. Market risk has had its rewards over the past decade, but if you were planning to retire during the last 10 years the market downturns could have affected your assets and plans for retirement. During this 10-year time frame, when you began retirement was seemingly as important as how much you had saved. This concept is often known as timing of loss. Timing Your Retirement - a 10-year perspective Market performance in the S&P Jan 06 Jan 07 Jan 08 Jan 09 Jan 10 Jan 11 Jan 12 Jan 13 Jan 14 Jan 15 Jan 16 If you planned to retire during this time and needed to use assets from equity style investments, your timing was good. Overall market performance rose steadily and it may have afforded you the ability to use those assets for income while your investments continued to earn positive returns. Starting retirement during this equity market downturn could have dramatically affected your long-term plans if you needed to use assets from your equity-style investments for income. If you were forced to make withdrawals from investments during this period, you may have limited your ability to recover from those losses. 2 google.com/finance?q=indexsp.inx 6
7 Assurance Contribute through your employer s plan or your own IRA 3 You can begin contributing to the Total Interest Annuity by setting up a payroll deferral through your employer s 403(b) plan or automatic drafts from your bank account for an IRA. Contributions through your 403(b) plan are also tax deferred. There are annual contribution limits issued by the IRS. Play catch-up Once you reach 50 years old, federal tax laws allow you to participate in the Catch- Up provision. Those participants over age 50 who are participating in an employer sponsored retirement plan can contribute up to the annual maximum limit IRS plus an additional amount each year. A similar provision is available for IRAs. Speak to your financial advisor or visit IRS.gov for more information on annual contribution limits. Transfer assets for protection You may also choose to transfer existing balances from other investments into the Total Interest Annuity. You have the flexibility to protect a part of your existing retirement savings by moving assets from other accounts within your 403(b) plan or other IRAs into the annuity at any time. In-Service Transfers for 403(b) plans If you have some of your retirement savings with another provider you may have the option to transfer those amounts to the Total Interest Annuity. Transfers made to the Total Interest Annuity don t affect the amount you can contribute each year. IRA Rollovers You can also choose to protect some or all of your retirement savings that are currently in an IRA or Roth IRA. Generally, you can choose to make a rollover from other investments in an existing IRA to a new IRA within the Total Interest Annuity. Transfers don t affect the amount you can contribute each year. 7 3 If you are purchasing an annuity to fund a retirement plan, such as an IRA that receives preferential tax treatment under the Internal Revenue Code, you should consider that an annuity does not provide any additional tax advantages to those already available from a retirement plan. However, an annuity does offer other features and benefits in addition to tax deferral that other funding vehicles may not offer, including death benefit protection for your beneficiaries and annuity options that guarantee income for life. You should consult your advisor, agent, or financial advisor about whether the overall benefits and costs of an annuity are appropriate considering your circumstances.
8 Assurance Maximize your contributions - Be ready for retirement By purchasing the Total Interest Annuity, then contributing the maximum annual IRS contribution limit for the Age 50+ Catch-Up provision over 10 years, you could build your retirement savings that are guaranteed to be there when you are ready for retirement (subject to any applicable surrender charges). $284,013 after 10 years of making the maximum salary contributions allowed. (This hypothetical illustration assumes a person makes 10 years of Purchase Payments of $18,000 and an additional $6,000 of Purchase Payments each year for the Age 50+ Catch-Up provision. The interest credited is 3% with a 2% bonus for Purchase Payments made in the first year of the contract and 3% for years 2-10, compounded annually.) $220,409 $160,456 $103,944 $25,200 1 Year 5 Year 10 Year Yearly Contributions Total Value 8
9 Protection You don t have to sacrifice all of your investments within your traditional portfolio for a guarantee. You can begin your future retirement savings in your Total Interest Annuity, which offers three levels of protection. An initial interest rate As you continue saving for retirement, stay on track with your plans by making sure your future contributions are guaranteed and will be there for you at retirement. Your contributions are not only protected but also receive an initial interest rate that is guaranteed. Future contributions including payroll deferrals, in-service transfers, or rollovers all receive the initial interest rate for the first 12 months. Each of your contributions receives a guaranteed interest rate for one year. After each guaranteed interest rate expires a new interest rate is set and will apply for one year. Getting started with a Bonus Rate 4, 5 The Total Interest Annuity will also provide an additional Bonus Rate to help you begin your contract. The Bonus Rate is an additional interest rate applied to all contributions received within the first year of your annuity and is only credited for one year. Minimum rate guarantee The Total Interest Annuity also offers a Guaranteed Minimum Interest Rate (GMIR). This is the minimum amount of interest earned for every contribution you make below which interest rates are guaranteed to never fall. Regardless of how much interest rates change, you can be assured that your contract will continue to receive at least the GMIR. Early Retirement Surrender Charge Waiver 6 If you are making contributions to your Total Interest Annuity through your 403(b) plan, you may choose to add the Surrender Charge Waiver for Early Retirement Rider. If your contract has been established for five years and you are separated from service in or after the year you turn 55 years old, you can have access to all of your Purchase Payments and the interest credited. It allows you to make withdrawals from your contract and avoid surrender charges. 9 4 Bonus annuities may include lower interest rates, longer surrender periods, higher surrender charges or other restrictions that are not included in annuities that don t offer a bonus. 5 In lieu of the Bonus Rate, for Texas contracts, the first year Initial Interest Rate will include additional guaranteed interest equivalent to the current Bonus Rate for contributions received in the first year of the contract. 6 Surrender Charge Waiver for Early Retirement Rider is not available in Connecticut, Maryland, Massachusetts, Texas or Washington.
10 Protection Your equity portfolio As a long-term strategy for retirement saving you may have primarily invested in stocks and bonds with the belief that long-term gains would overshadow any short-term losses. You may choose not to give up on this investment approach, but you may want to consider a different approach as you near retirement. Your Total Interest Annuity By purchasing the Total Interest Annuity you can continue to build your retirement savings and guarantee your future contributions in the annuity (subject to any applicable surrender charges) will be there for you at retirement regardless of what happens in the market. Total Interest Annuity (guaranteed) Bonus Rate Interest Rate GMIR Stocks Volatility Market Risk Bonds 10
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12 The Total Interest Annuity is a flexible premium deferred annuity that allows you to make ongoing Purchase Payments (contributions). It is an opportunity for you to save for retirement over a period of time and is an alternative to other retirement savings vehicles that may contain market risk. Guaranteed Minimum Interest Rate (GMIR) The Guaranteed Minimum Interest Rate is the minimum interest rate for the contract. Your Purchase Payments will always earn at least the GMIR. The GMIR is established at contract issue and does not change. Guaranteed interest rates The interest rate for new Purchase Payments applies for a 12-month period and rates are established periodically. Because Purchase Payments can be made at different times, different interest rates may apply to all of your contributions. Thus, a Purchase Payment made on February 2, 2016, would earn the rate that applies for that date until February 2, A Purchase Payment made on June 12, 2016, would earn the rate that applies for that date until June 12, Renewal Rate The interest rate for Purchase Payments following the first 12 months is set periodically. Thus, Purchase Payments made January 1 through March 31 would earn the first quarter renewal rate after the first 12 months. Bonus Rate For Purchase Payments made during the first 12 months of the contract, a Bonus Rate of interest will be added to the initial interest rate. This Bonus Rate will be in effect for 12 months. For a Total Interest Annuity contract beginning on January 1 and a new Purchase Payment that was made on December 1, the new Purchase Payment would earn the initial interest rate and the Bonus Rate until December 1 of the following year. In lieu of the Bonus Rate, for Texas contracts, the first year Current Interest Rate will include additional guaranteed interest equivalent to the current Bonus Rate. Free Annual Withdrawals up to 10% After the first year of your contract, you can generally withdraw up to 10% of your contract value per year without a surrender charge. However, withdrawals that exceed that limit may be subject to a surrender charge in accordance with the schedule listed on page 12. All surrender charges end after the 10 th contract year (9 th contract year for contracts issued in Indiana, Maryland, Mississippi and Washington). Withdrawals taken before age 59½ may also be subject to an IRS penalty tax. Issue Ages 0 85 years of age (may vary by state) Surrender Charge Waiver for Early Retirement Rider (not available in Connecticut, Maryland, Massachusetts, Texas or Washington) If you are making contributions to your Total Interest Annuity through your 403(b) plan, you may choose to add the Surrender Charge Waiver for Early Retirement Rider. If your contract has been established for five years and you are separated from service in or after the year you turn 55 years old, you can have access to all of your Purchase Payments and the interest earned. It allows you to make withdrawals from your contract and avoid surrender charges. This rider offers the option to take withdrawals from your contract prior to the end of the surrender charge schedule without incurring surrender charges if you meet all of the following: Minimum of five years in the contract At least 55 years old Must separate from service at or after age 55 12
13 Planning for needs Return of Purchase Payments Guarantee Rider (not available in Texas, Vermont or Washington) If you re concerned about gaining immediate access to your funds, you can choose the Return of Purchase Payments Guarantee Rider. This rider guarantees that the Cash Surrender Value of the contract will never be below the Purchase Payments made. 6 This rider gives you the ability to withdraw in full all of the Purchase Payments made. If the applicable surrender charge is greater than the interest you ve earned, no interest will be paid. If the interest earned is greater than the applicable surrender charge, you will receive the interest due after payment of the surrender charge. Cost: 0.10% reduction of your overall interest rate for the first 10 years of your contract. Once you elect this rider it cannot be revoked. There are no age or service qualifications. Rider comparison Cost: Surrender Charge Waiver for Early Retirement 0.25% reduction in interest rate Minimum length contract held: 5 years None Minimum age: 55 None Minimum age of separation from 55 None service: Withdrawal charges apply: No No Return of Purchase Payments Guarantee Rider 0.10% reduction in interest rate Death Benefit If the owner dies before the annuity start date, the full contract value is paid to the contract beneficiary without surrender charges or additional fees, less any applicable premium tax. 60-Day Rate Lock for Incoming Transfers Once Security Benefit has received a complete application, in good order, we will hold the current initial interest rate for a period of up to 60 days for the applicant to make his or her rollover or transfer to the Total Interest Annuity. After 60 days, the current initial interest rate at the time will be credited to the Purchase Payment. Purchase Payment Limitations Minimum Purchase Payment is $50 per month on a recurring basis or a $2,500 lump sum; maximum is $1 million in total Purchase Payments. 6 Less any previous withdrawals and any premium tax due or paid by Security Benefit, and is applicable on a full withdrawal only. 13
14 Understanding the surrender charge schedule All surrender charges end after the 10 th contract year (9 th contract year for contracts issued in Indiana, Maryland, Mississippi and Washington). Withdrawals made that exceed the annual free withdrawal amount may be subject to surrender charges according to the schedule below. For all states except Indiana, Maryland, Mississippi and Washington Surrender charges apply to each purchase payment based on time since payment was made. Age of Purchase Payment Surrender Charge Percentage Less than 1 year 8.5% 1 to < 2 years 8% 2 to < 3 years 7% 3 to < 4 years 6% 4 to < 5 years 5% 5 to < 6 years 4% More than 6 years 0% All surrender charges end after the 10 th contract year. For Indiana, Maryland, Mississippi and Washington Surrender charges apply to all purchase payments based on contract year. Contract year Surrender Charge Percentage Year 1 8.5% Year 2 8% Year 3 7% Year 4 6% Year 5 5% Year 6 4% Year 7 3% Year 8 2% Year 9 1% Year 10+ 0% All surrender charges end after the 10 th contract year. 14
15 This brochure contains highlights only. Please refer to the annuity contract for details about the product and any charges or limitations. The Total Interest Annuity, form 5100 (2 11), is a flexible purchase payment deferred annuity 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. 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. Neither Security Benefit nor its representatives offer legal or tax advice. Please consult your personal attorney or tax advisor regarding any legal or tax matters.
16 Stability Protect part of your retirement savings and avoid market risk with a guarantee from Security Benefit Life Insurance Company. Assurance Consistently earn interest without subjecting this part of your retirement savings to market risk. Contributions and transfers within the first year of your Total Interest Annuity contract can also earn an additional bonus credited rate. Protection Contribute each year to the Total Interest Annuity through your retirement savings contributions and consider protecting your current retirement savings by transferring assets within your plan or through an IRA rollover. Your path To and Through Retirement begins here. Looking for additional guidance? Talk to your Financial Representative or contact Security Benefit at SecurityBenefit.com ANNUITIES MUTUAL FUNDS RETIREMENT PLANS TO AND THROUGH RETIREMENT One Security Benefit Place Topeka, Kansas SecurityBenefit.com /03/09
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