Valued Client. Valued Agent
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- Delphia Cook
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1 Valued Client Valued nt
2 Structured Payout System (SIPS) SIPS is a strategy combining various types of annuities to provide guaranteed retirement income and tax-deferred accumulation without subjecting individuals assets to market risk. The SIPS strategy may be especially attractive to those who wish to implement a conservative retirement income approach for a portion of their retirement savings. The objective of the SIPS strategy is to provide immediate income for a given period of time, maintain tax-deferred growth, generate retirement income that cannot be outlived and still provide an emergency fund that can be accessed if needed. A SIPS approach can be an incredibly effective means of helping you reach various financial goals and meet various personal needs such as: 1. Grow and preserve assets for retirement on a tax-efficient basis among various financial vehicles 2. Create guaranteed income to help maintain your way of life throughout retirement 3. Reduce the likelihood of making financial decisions based on emotion rather than logic 4. Protect your hard-earned principal from market risk HOW DOES THE SIPS WORK? Based upon your specific financial needs and objectives, your insurance professional will develop a SIPS plan to meet your needs. The particular annuities selected for your SIPS plan may generate income immediately or may create income in later years by accumulating for a set period of time. One of the most common SIPS structures, for example, involves allocating premium into four portions that will systematically help you achieve your financial goals. Let s take a look at how this might work: The "Future Funds" Portion Many individuals feel it s important to have funds accumulated for the future, should they need them for unexpected costs such as health care or other expenses. Others may simply want to grow a pool of money to be set aside for loved ones. That s where the Future Funds Portion comes in. 6.00% of your overall premiums are allocated to this segment of the plan, and while it s not built for income purposes, it functions as a long-term cash accumulation resource. The Accumulation Portion The second portion of the SIPS approach is referred to as the Accumulation Portion. This portion requires 28.53% of your total premium, which will purchase a Fixed Deferred Annuity that accumulates for the first 1 years and then generates guaranteed income for years 2-6. The Accumulation Portion The third portion of the SIPS approach is referred to as the Accumulation Portion. This portion requires 25.01% of your total premium, which will purchase a Fixed Deferred Annuity that accumulates for the first 6 years and then generates guaranteed income for years The Longevity Portion The fourth component of the SIPS strategy is referred to as the Longevity Portion. Here, 40.47% of your total premium will be used to fund a with an income rider attached. This product is intended to accumulate for 11 years and then create guaranteed lifetime income starting in year 12. Please note that this example is simply one illustration of a SIPS strategy in action. Every client scenario is unique, and your situation may involve a number of adjustments including greater or fewer segments, varying durations or time periods and varying combinations of financial products. However, the overall SIPS concept will remain the same and will be custom-tailored to meet your unique, personal objectives. Actual annual income received will be based on current values of annuity products chosen, as well as the terms and conditions of the annuity contracts and any attached rider(s). Annuity products and income riders contain charges and limitations that you need to understand. See product-specific materials, disclosures and contract forms/riders for full details. Product guarantees are subject to the financial strength of the issuing insurance company. Page 1 of 5
3 Structured Proposal for: Prepared by: Valued nt Valued Client May 13, 2011 Initial Premium: Cash Flow Target: Annual COLA: $500, % 1.5% K a ns a s End of Year His Her Portion 1 Portion 2 The values on this page are based on the rates shown in each Portion. Portion 3 Portion 4 with Rider Rider Accum Value Total anteed Projected Values Annual Cumulative Assumed Rate % Growth 2.55% Annuitize 4.10% Annuitize 3.00% 8.20% Rider Premium $30,000 1 years $142,626 1 x 5 $125,049 6 x 5 $202,325 $202, x Life $500,000 Bonus % 0.0% 1.0% 0.0% 10.0% 10.0% $21,659 Prem. w/ Bonus $30,000 $144,052 $125,049 $222,558 $222,558 $521, $0 $30,000 $147,725 $0 $130,176 $0 $226,947 $240,808 $0 $504,848 $30, $0 $0 $0 $30,450 $135,513 $0 $231,280 $260,554 $0 $366,793 $30, $0 $0 $0 $30,450 $141,069 $0 $235,540 $281,919 $0 $376,610 $30, $0 $0 $0 $30,450 $146,853 $0 $239,709 $305,037 $0 $386,562 $30, $0 $0 $0 $30,450 $152,874 $0 $243,764 $330,050 $0 $396,639 $30,450 $151, $0 $0 $0 $30,450 $159,142 $0 $247,685 $357,114 $0 $406,827 $30, $0 $0 $0 $0 $0 $32,803 $251,445 $386,397 $0 $251,445 $32, $0 $0 $0 $0 $0 $32,803 $255,016 $418,082 $0 $255,016 $32, $0 $0 $0 $0 $0 $32,803 $258,369 $452,364 $0 $258,369 $32, $0 $0 $0 $0 $0 $32,803 $261,470 $489,458 $0 $261,470 $32,803 $313, $0 $0 $0 $0 $0 $32,803 $264,283 $529,594 $0 $264,283 $32, $0 $0 $0 $0 $0 $0 $231,126 - $34,953 $231,126 $34, $0 $0 $0 $0 $0 $0 $196,973 - $34,953 $196,973 $34, $0 $0 $0 $0 $0 $0 $161,796 - $34,953 $161,796 $34, $0 $0 $0 $0 $0 $0 $125,564 - $34,953 $125,564 $34,953 $486, $0 $0 $0 $0 $0 $0 $88,245 - $34,953 $88,245 $34, $0 $0 $0 $0 $0 $0 $49,806 - $34,953 $49,806 $34, $0 $0 $0 $0 $0 $0 $10,214 - $34,953 $10,214 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34,953 $660, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34,953 $835,611 This presentation should be based on your needs and objectives. It is only one way that your Structured Proposal may be designed. Your unique situation will dictate the number and types of products that should be utilized. Actual annual income received will be based on current values of annuity products chosen, as well as the terms and conditions of the annuity contracts and any attached rider(s). Annuity products and income riders contain charges and limitations that you need to understand. Bonus annuities may include lower current interest rates, higher surrender charges, longer surrender charge periods, lower participation rates or caps, higher spreads, or other limitations, compared to non-bonus annuities. The amount of charges or reduction of interest credits may exceed the amount of the bonus. See product-specific materials, disclosures and contract forms/riders for full details. Page 2 of 5
4 Structured Proposal for: Valued Client Prepared by: Valued nt May 13, 2011 Initial Premium: Cash Flow Target: Annual COLA: $500, % 1.5% K a ns a s End of Year His Her with Rider Projected Values Accum Value Rider Annual Total The values on this page assume 0% interest for all Portions. Portion 1 Portion 2 Portion 3 Portion 4 anteed Cumulative Assumed Rate % Growth 0.00% Annuitize 0.00% Annuitize 0.00% 8.20% Rider Premium $30,000 1 years $142,626 1 x 5 $125,049 6 x 5 $202,325 $202, x Life $500,000 Bonus % 0.0% 1.0% 0.0% 10.0% 10.0% $21,659 Prem. w/ Bonus $30,000 $144,052 $125,049 $222,558 $222,558 $521, $0 $30,000 $144,052 $0 $125,049 $0 $220,270 $240,808 $0 $489,371 $30, $0 $0 $0 $29,693 $125,049 $0 $217,795 $260,554 $0 $342,844 $29, $0 $0 $0 $29,693 $125,049 $0 $215,117 $281,919 $0 $340,166 $29, $0 $0 $0 $29,693 $125,049 $0 $212,219 $305,037 $0 $337,268 $29, $0 $0 $0 $29,693 $125,049 $0 $209,083 $330,050 $0 $334,132 $29,693 $148, $0 $0 $0 $29,693 $125,049 $0 $205,691 $357,114 $0 $330,740 $29, $0 $0 $0 $0 $0 $25,776 $202,020 $386,397 $0 $202,020 $25, $0 $0 $0 $0 $0 $25,776 $198,048 $418,082 $0 $198,048 $25, $0 $0 $0 $0 $0 $25,776 $193,751 $452,364 $0 $193,751 $25, $0 $0 $0 $0 $0 $25,776 $189,101 $489,458 $0 $189,101 $25,776 $281, $0 $0 $0 $0 $0 $25,776 $184,070 $529,594 $0 $184,070 $25, $0 $0 $0 $0 $0 $0 $144,032 - $34,953 $144,032 $34, $0 $0 $0 $0 $0 $0 $103,995 - $34,953 $103,995 $34, $0 $0 $0 $0 $0 $0 $63,957 - $34,953 $63,957 $34, $0 $0 $0 $0 $0 $0 $23,919 - $34,953 $23,919 $34,953 $447, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34,953 $621, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34, $0 $0 $0 $0 $0 $0 $0 - $34,953 $0 $34,953 $796,688 This presentation should be based on your needs and objectives. It is only one way that your Structured Proposal may be designed. Your unique situation will dictate the number and types of products that should be utilized. Actual annual income received will be based on current values of annuity products chosen, as well as the terms and conditions of the annuity contracts and any attached rider(s). Annuity products and income riders contain charges and limitations that you need to understand. Bonus annuities may include lower current interest rates, higher surrender charges, longer surrender charge periods, lower participation rates or caps, higher spreads, or other limitations, compared to non-bonus annuities. The amount of charges or reduction of interest credits may exceed the amount of the bonus. See product-specific materials, disclosures and contract forms/riders for full details. Page 3 of 5
5 Structured Proposal for: Valued Client Prepared by: Valued nt May 13, 2011 Structured Proposal $500,000 Initial Premium Goal: 6.0% Withdrawal Rate Split into 4 Separate Annuity Products [1-Year Deferral] [1-Year Deferral; 5-Year ] [6-Year Deferral; 5-Year ] with Rider [11-Year Deferral; Lifetime ] Projected Residual Premium $30,000 Minimum Premium Required for Goal $142,626 Minimum Premium Required for Goal $125,049 Minimum Premium Required for Goal $202,325 Req'd Action: None Req'd Action: Annuitize contract beginning of year 2 Req'd Action: Annuitize contract beginning of year 7 Req'd Action: Activate income withdrawals under rider beginning of year 12 Projected Growth $0 (after 1 years) No Withdrawals 1 years 2.6% =$147,725 5-Year $30,450 per year $2,538 Monthly for 60 Months 6 years 4.1% =$159,142 5-Year $32,803 per year $2,734 Monthly for 60 Months 11 years 8.2% =$529,594 Lifetime (Rider) $34,953 per year $2,913 Monthly for Life Life This presentation should be based on your needs and objectives. It is only one way that your Structured Proposal may be designed. Your unique situation will dictate the number and types of products that should be utilized. Actual annual income received will be based on current values of annuity products chosen, as well as the terms and conditions of the annuity contracts and any attached rider(s). Annuity products and income riders contain charges and limitations that you need to understand. Bonus annuities may include lower current interest rates, higher surrender charges, longer surrender charge periods, lower participation rates or caps, higher spreads, or other limitations, compared to non-bonus annuities. The amount of charges or reduction of interest credits may exceed the amount of the bonus. See product-specific materials, disclosures and contract forms/riders for full details. Page 4 of 5
6 This is not a complete description of all contract provisions, nor is it intended to predict future performance of any product. This presentation is for illustration purposes only, and not an offer or contract. The purpose of this presentation is to help explain how a variety of immediate, fixed and fixed indexed annuities can be structured to provide a combination of retirement income and cash accumulation. This presentation is not intended to explain in detail how any of these products work. The licensed insurance producer presenting this information is not authorized to provide legal, tax or accounting advice. All clients should consult with a professional specializing in these areas regarding the applicability of this information to their unique situation. The information contained in this presentation is based on the insurance producer's understanding of current laws as they relate to annuities and his/her knowledge of these products. During the withdrawal (surrender) charge period of an annuity contract, a withdrawal in excess of any "free withdrawal" amount or a full surrender of the contract will be subject to a withdrawal (surrender) charge and any applicable market value adjustments. Taxable amounts withdrawn prior to age 59.5 may be subject to a 10% IRS penalty in addition to ordinary income tax. Licensed insurance producers are required to provide detailed disclosure of costs and limitations associated with the purchase of an annuity contract. Carefully consider the risks, expenses, potential loss of principal and your individual objectives before reallocating existing monies into any new products. Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Annuities are products of the insurance industry and are not guaranteed by any bank, or insured by the FDIC. Further, any fixed indexed annuities are not registered securities or stock market investments and do not participate in any stock or equity investments. The assumptions used in this presentation are not guaranteed, except for those items clearly labeled as guaranteed. The use of alternate premium, age, product, deferral years and other assumptions could produce significantly different results. Product features, limitations and availability vary by state. See the general disclosures below for riders/guaranteed lifetime income benefits. See product-specific materials, disclosures and contract forms/riders for full details. This presentation must be accompanied by product disclosures provided by the company or companies issuing such annuities. The interest rates and accumulation values shown for the various annuity products are not guaranteed, unless specifically identified as guaranteed. Actual interest rates and accumulation values could be greater or less and will likely fluctuate over time. You should not rely on this presentation for any indication of the annuity product guarantees. Ask the insurance professional providing this presentation for information on guaranteed interest rates and values. Lifetime income benefits from a fixed indexed annuity may be provided under the terms of an income rider. The rider accumulation rate shown for any income rider is credited only to the rider s income account value (also commonly known as the benefit base or income base) and not the annuity s accumulation value. This guaranteed rider accumulation rate is available only with the purchase of the income rider, a benefit for which there is an annual charge. The income account value is not the same as the accumulation value of the base annuity contract, and it is never available as a lump sum withdrawal; it is only used for calculating amounts available under the rider provisions. The commencement of lifetime income withdrawals will stop the accumulation on the income account value. The rider is not available without purchase of an annuity contract. See product-specific materials, disclosures and contract forms/riders for full details. The lifetime income withdrawal amounts in this presentation assume no additional premium, no prior withdrawals (unless shown) and that you elected the maximum benefit available under the rider. Lifetime income withdrawal amounts demonstrated beyond the rider's initial accumulation period assume an extension was elected, which may result in a higher rider charge than at issue. Benefits for a joint payout are based on the younger covered person's age and are lower than the values for a single payout. withdrawals do not qualify for an exclusion ratio. Required Minimum Distributions (RMDs) are required only if your contract is comprised of "qualified" funds -- for example, if it is an IRA.. Any RMDs shown in this example were calculated based on the Minimum Distribution Withdrawal Factors prescribed by the IRS and must begin in the year following the year in which you turn age Any RMD attributable to the contract are typically not subject to withdrawal charges or market value adjustments. Any RMD Withdrawal shall include and is not in addition to the contract's free withdrawal amount. Generally speaking, all distributions from qualified contracts are fully taxable. Ask your insurance professional for more information concerning these matters. Most insurance companies require prior approval for cases which will exceed $1 million Page 5 of 5
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