FSD Insurance & Financial Services - Independent Fixed Annuity & Life Insurance IMO

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FIXED INDEX ANNUITIES - Quick Links

  • 3 Year FIA
  • 7 or 10 year option FIA "A" Rated
  • 7 Year Surrender With GOLD option 
  • "FIA 5,7 and 10 year ROP in 5 years"
  • Request FIA Quotes  
  • FIA Commissions

FIA with optional income rider

7 or 10 Year Terms

Choose an FIA term from this "A" rated Carrier

S&P 500 index interest crediting options:

1 year point-to-point with cap rate:

  • 7 Year: 8.15% Cap 
  • 10 Year: 8.25% Cap

S&P MARC 5% – Low Volatility

  • 7 Year: 145.00% Participation  
  • 10 Year: 155.00% Participation  

1-year specified rate 

  • 7 Year: 4.80% 
  • 10 Year: 4.85%

1-Year Point-to-Point Uncapped 

  • 7 Year: 25.00% Participation  
  • 10 Year: 30.00% Participation

Nasdaq-100® – Growth Cap

  • 7 Year: 8.15% Cap 
  • 10 Year: 8.25% Cap

1 year monthly sum

  • 7 Year: 2.50% Cap 
  • 10 Year: 2.60% Cap

1 year declared rate

  • 7 Year Term: 3.20%
  • 10 Year Term: 3.30%

Optional GLWB 

  • 7.20% - 1st 10 policy years

Issue Age:

  • 0-80

State Availability

  • Not in AL, MS, NY, VT, WV 

Minimum / Maximum Premiums:

  • $5,000 Minimum Qualified
  • $10,000 Minimum Non-Qualified
  • $1,000,000 Maximum

Surrender Charge Period - Choice of 7 or 10 year term:

  • 7 Year Term: 7%, 6%, 5%, 4%, 3%, 2% , 1%, 0.0% Thereafter  
  • 10 Year Term: 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2% , 1%, 0.0% Thereafter  
  • MVA +/- during surrender terms

Free withdrawal:

  •  10% of your Accumulation Value. 

Death Benefit

  • Full Accumulation Value

Base Commissions:

  • 7 Year Term:
    5.00% (0-75)
    4.00% (76-80) 
  • 10 Year Term:
    7.00% (0-75)
    5.50% (76-80) 
  • Great Bonus available ask for more details

Company Ratings:

  • "A" Rated By A.M. Best 
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FIA With Many Crediting Options

Seven 7 Year FIA With Many Crediting Methods

Rates are lower in AK, PA, UT
SPDR® Gold Shares - GLD annual point-to-point with cap 

  • 12.00% Cap ($100,000+)
  • 11.50% Cap ($10,000 - $99,999)

  S&P 500 annual point-to-point with cap: 

  • 10.00% Cap ($100,000+)
  • 9.75% Cap ($10,000 - $99,999)

  S&P 500 7 year CAP LOCKED annual point-to-point with cap: 

  • 7.75% Cap ($100,000+)
  • 7.50% Cap ($10,000 - $99,999)

  S&P 500 Risk Control annual point-to-point with participation rate

  • 75% Par ($100,000+)
  • 70% Par ($10,000 - $99,999)

 iShares® U.S. Real Estate annual point-to-point with cap:

  • 11.00 Cap ($100,000+) 
  • 10.50% Cap ($10,000 - $99,999)

 S&P U.S. Retiree Spending annual point-to-point with par. rate:

  • 75% Par ($100,000+)
  • 70% Par ($10,000 - $99,999)

 S&P 500 monthly sum with cap  

  • 3.25 Cap ($100,000+)
  • 3.00% Cap ($10,000 - $99,999)

Declared Fixed Account Interest Rate:

  • 4.10% ($100,000+)
  • 4.00% ($10,000 - $100,000)

Issue ages:

  • Qualified: 0–85
  • Non-qualified: 0–85
  • Inherited IRA: 0–75
  • Inherited non-qualified: 0–75 

Single and flexible premium payments:

  • Minimum: $10,000 
  • Subsequent: $2,000 
  • Maximum:
    $1 million ages 0-75,
    750,000 ages 76-80,
    $500,000 ages 81+ 

7 Year surrender charge period: 

  •  9%, 8%, 7%, 6%, 5%, 4%, 3%, 0% thereafter
  • During initial seven contract years, MVA will also apply, 
  • No MVA in AK, PA, UT

Free Withdrawals:

  • 10% of the account value on the most recent contract anniversary

Not Available In: 

  • NY

Choose 1 Time Commission or a Trail Commission: 

  • 4.75% (00-75)
    or (Trial = 3.00% upfront & 0.50% Years 2+)
  • 2.75% (76-80)
    or (Trial = 1.50% upfront & 0.50% Years 2+)
  • 2.75% (80-85)
    or (Trial = 1.50% upfront & 0.50% Years 2+)
  • Other Trail Options available call for details. 


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5, 7 or 10 Year FIA Annuity

FIXED INDEXED ANNUITY

Consistent renewal rates!

5 Year - S&P 500® Price Return Options:

  • 40.00% Annual Point-to-Point Par Rate
  • 10.00% Annual Point-to-Point Cap
  • 155% Horizon Ascend 5%® Index 
  • 3.50% Monthly Sum Cap
  • 3.00% Fixed Rate


7 Year - S&P 500® Price Return Options:

  • 43.00% Annual Point-to-Point Par Rate
  • 10.25% Annual Point-to-Point Cap
  • 160% Horizon Ascend 5%® Index 
  • 3.50% Monthly Sum Cap
  • 3.00% Fixed Rate


10 Year No Bonus - S&P 500® Price Return Options: 

  • 45.00% Annual Point-to-Point Par Rate
  • 10.00% Annual Point-to-Point Cap 
  • 160% Horizon Ascend 5%® Index 
  • 3.50% Monthly Sum Cap 
  • 3.00% Fixed Rate


10 Year With PREMIUM BONUS - S&P 500® Price Return Options:

  • 35.00% Annual Point-to-Point Par Rate 
  • 8.75% Annual Point-to-Point Cap
  • 120% Horizon Ascend 5%® Index 
  • 3.50% Monthly Sum Cap
  • 2.00 Fixed Rate


Issue Ages:

  • 0-90 for 5 and 7 Year (max 75 if adding GLBR on 7 Year)
  • 0-80 for 10 Year 
  • (max 75 if adding GLBR on 7 and 10 year)  


Surrender charge period: 

  • 5 Year = 9%, 8%, 7%, 6%, 5%, 
  • 7 Year = 9%, 8%, 7%, 6%, 5%, 4%, 3%
  • 10 Year = 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%


Not available in: 

  • AK, HI, ME, NY


Return of Premium:

  • After the 5th contract year, any full surrender will return at least the amount of premium paid into the contract reduced by previous withdrawals. 


Features:

  • RMD-friendly
  • Free Partial Withdrawals
  • Terminal Illness & Nursing Home Confinement Waiver of Surrender Charges & MVA
  • Guaranteed Living Benefit Rider (GLBR) 
  • Premium Bonus Rider on 10 year 
  • Full death benefit


Commission: 

  • 5 Year:
    3.00% (0-74)
    1.75% (75+)
  • 7 Year:
    4.50% (0-74)
    2.25% (75+)
  • 10 Year:
    6.50% (0-74)
    4.50% (75+)

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3 Year FIXED INDEXED ANNUITY

Consistent renewal rates!

Rates:

"In AK, PA & UT rates are lower"

S&P 500 annual point-to-point with cap:

  • 8.00% Cap ($150,000+)
  • 7.75% Cap ($10,000 - $149,999)

iShares® U.S. Real Estate annual point-to-point with cap:

  • 8.50 Cap ($150,000+) 
  • 8.00% Cap ($10,000 - $149,999)

iShares MSCI EAFE ETF annual point-to-point with cap:

  • 7.75% Cap ($150,000+) 
  • 7.50% Cap ($10,000 - $149,999)

Declared Rate:

  • 3.40% ($150,000+) 
  • 3.30% ($10,000 - $149,999)

Issue ages:

  • 0–90 (qualified); 
  • 0–90 (non-qualified) (85 in Texas)
  • 0–75 (inherited IRA) & (inherited non-qualified)

Tax Qualifications:

  • Non-qualified & qualified: 
  • 403(b) (traditional and Roth), 
  • IRA (traditional, Roth, SEP, SIMPLE and Inherited), 
  • 457(b) and inherited non-qualified

Minimum initial premium:

  • $50,000 non-qualified and qualified
  • Maximum premium $1,000,000 ($500,000 age 86+)

3 Year surrender charge period:

  • 9.00%, 8.00%, 7.00%, 0.00% Thereafter 
  • During the first three contract years, MVA will also apply (not in AK, PA and UT) 

Free Withdrawals:

  • 10% of the account value on the most recent contract anniversary
  • RMD friendly

Waivers:

  • Extended Care Waiver – 100% account value when criteria met 
  • Terminal Illness Waiver – 100% account value when criteria met

Not Available In: 

  • DE, NV, NY, VA

Choose 1 Time Commission or a Trail Commission: 

  • 2.50% (0-75) or (Trial = 2.00% upfront & 0.25% Years 2+)
  • 2.00% (76-85) or (Trial = 1.50% upfront & 0.25% Years 2+)
  • 1.50% (86-90) or (Trial = 1.00% upfront & 0.25% Years 2+)

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FSD A FIXED INSURANCE IMO - MARKETING FIA's SINCE 1996

FIXED INDEXED ANNUITIES ARE INSURANCE PRODUCTS FOR LIFE LICENSED AGENTS

FSD's Marketing Approach To FIA's:


  • FSD approaches FIA's with a traditional view of simplicity and guarantees. Utilizing crediting methods that have historically performed well has been a successful long term strategy. Many of today's FIA's have drifted from the simple and traditional crediting methods in the original designs to more complex and assumption based models.
  • Highlight the guarantees and Illustrate the potential. The strongest guarantees in a fixed annuity are the minimum guarantees. Clients who understand the difference will never be surprised by the performance. No surprises will equal higher satisfaction.

Common misconceptions regarding FIA's:

  •  "I have been told a securities license is required to sell FIA's: (this has never been the case, a Life Agent Only license is all that has been needed since inception)
  • "FSD Financial offer FIA's?": (Yes, actually we have been involved so long we have experienced the EIA-FIA evolution. From limited availability, through 151a, and the entire DOL to date. We know the performance history, have seen the cap and spread renewals over time and the satisfaction levels associate with all these aspects. FSD's experience in the FIA marketplace guides our marketing today. It is our conclusion that most FIA's do not meet our standards of competitiveness and guarantees for the risk averse client.  
  • Premium bonuses can offsets surrender charges: (This is a very short sided view of a long term product. A bonus is really just an advance on future earnings. Bonus products historically have lower renewal rates and longer surrender charge terms giving the carrier plenty of time to adjust as they see fit. If a client is in such bad shape, the new products guaranteed rates must be make the case and any additional gain above these guarantees would just be gravy.)

FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, VA, WA, WI


Copyright © 2022 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti 

FOR AGENT USE ONLY - CA Insurance License #0B67385

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