FSD Fixed Annuities and Life Insurance

7 or 10 Year Terms

Choose an FIA term from this "A" rated Carrier

Company Ratings:

(A) by AM Best
(A) by Standard & Poor's
(B) by Weiss
(76) Comdex

Index interest crediting options:

Premium Enhancement (bonus)

7 Year: 0.00%
10 Year: 1.00%

BNPP Patriot Technology Index One Year Point-to Point Uncapped

7 Year: Not Available
10 Year: 125% Participation Rate

1 year declared rate:

7 Year Term: 3.00%
10 Year Term: 3.25%

1-year specified rate S&P 500:

7 Year: 4.75%
10 Year: 5.00%

1 year monthly sum S&P 500:

7 Year: 2.05% Cap
10 Year: 2.20% Cap

1 year point-to-point with cap rate S&P 500:

7 Year: 8.75% Cap (100% participation)
10 Year: 9.25% Cap (100% participation)

1-Year Point-to-Point Uncapped

7 Year: 30.00% Participation
10 Year: 35.00% Participation

Nasdaq-100® – Growth Cap

7 Year: 8.75% Cap
10 Year: 9.25% Cap

S&P MARC 5% – Low Volatility

7 Year: 120.00% Participation
10 Year: 125.00% Participation

Optional Lifetime Income Rider (Fixed Rate) GLWB

9.00% - 1st 10 policy years
Rider charge 1.10%

Lifetime Income Rider (Indexed Credit + Fixed Rate)

Fixed Rate Plus Indexed Credit 4.20%
Rider charge 0.80%

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)
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Seven 7 Year FIA With Many Crediting Methods

Rates are lower in AK, PA, UT

Company Ratings:

(A++) by AM Best
(A+) by Standard & Poor's
(Aa3) by Moody's
(B-) by Weiss
(94) Comdex

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

7.85% Cap ($100,000+)
7.35% Cap ($10,000 - $99,999)

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

8.00% Cap ($100,000+)
7.50% Cap ($10,000 - $99,999)

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

8.85% Cap ($100,000+)
8.35% Cap ($10,000 - $99,999)

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

9.50 Cap ($100,000+)
9.00% Cap ($10,000 - $99,999)

SPDR® Gold Shares - GLD annual point-to-point with cap

10.50% Cap ($100,000+)
9.75% Cap ($10,000 - $99,999)

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

65% Par ($100,000+)
60% Par ($10,000 - $99,999)

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

70% Par ($100,000+)
65% Par ($10,000 - $99,999)

First Trust Barclays Edge Index 1-year point-to-point with Cap

12.60% ($100,000+)
12.10% ($10,000 - $149,999)

First Trust Barclays Edge Index 1-year point-to-point with 7-year cap lock

12.50% ($100,000+)
12.00% ($10,000 - $149,999)

Declared Fixed Account Interest Rate:

3.90% ($100,000+)
3.70% ($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:

Choose 1 Time Commission or a Trail Commission:

5.00% (00-75)
3.00% (76-80)
2.75% (80-85)
Trail Options available call for details or see commission schedule.

Request An Agent Kit

FIXED INDEXED ANNUITY

Consistent renewal rates!

Company Ratings:

(A-) by AM Best
(B) by Weiss
(59) Comdex

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

135% Horizon Ascend 5%® Index
45.00% Annual Point-to-Point Par Rate
8.50% Annual Point-to-Point Cap
2.50% Monthly Sum Cap
3.00% Fixed Rate

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

140% Horizon Ascend 5%® Index
45.00% Annual Point-to-Point Par Rate
8.00% Annual Point-to-Point Cap
2.25% Monthly Sum Cap
3.00% Fixed Rate

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

140% Horizon Ascend 5%® Index
40.00% Annual Point-to-Point Par Rate
8.00% Annual Point-to-Point Cap
2.25% Monthly Sum Cap
3.00% Fixed Rate

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

10% Horizon Ascend 5%® Index
25.00% Annual Point-to-Point Par Rate
6.25% Annual Point-to-Point Cap
2.00% Monthly Sum Cap
3.00% 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, PR

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+)

Get An Agent Kit

3 Year FIXED INDEXED ANNUITY

Consistent renewal rates!

Company Ratings:

(A++) by AM Best
(A+) by Standard & Poor's
(Aa3) by Moody's
(B-) by Weiss
(94) Comdex

Rates:

"In AK, PA & UT rates are lower"

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

6.75% Cap ($150,000+)
6.50% Cap ($10,000 - $149,999)

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

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

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

7.25% Cap ($150,000+)
7.00% Cap ($10,000 - $149,999)

First Trust Barclays Edge Index 1-year point-to-point with participation rate

115% ($150,000+)
110% ($10,000 - $149,999)

First Trust Barclays Edge Index 1-year point-to-point with 3-year participation rate lock

115% ($150,000+)
110% ($10,000 - $149,999)

Declared Rate:

3.30% ($150,000+)
3.20% ($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:

3.00% (0-75)
2.50% (76-85)
2.00% (86-90)

Get An Agent Kit

5 Year FIXED INDEXED ANNUITY

Consistent renewal rates!

Rates are lower in AK, PA, UT

Company Ratings:

(A++) by AM Best
(A+) by Standard & Poor's
(Aa3) by Moody's
(B-) by Weiss
(94) Comdex

S&P 500 5 year CAP LOCKED annual point-to-point with cap:

7.00% Cap ($100,000+)
6.50% Cap ($10,000 - $99,999)

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

7.50% Cap ($100,000+)
7.00% Cap ($10,000 - $99,999)

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

8.30 Cap ($100,000+)
8.00% Cap ($10,000 - $99,999)

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

60% Par ($100,000+)
55% Par ($10,000 - $99,999

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

65% Par ($100,000+)
60% Par ($10,000 - $99,999)

First Trust Barclays Edge Index 1-year point-to-point with Cap

12.50% ($100,000+)
12.00% ($10,000 - $149,999)

First Trust Barclays Edge Index 1-year point-to-point with 5-year cap lock

12.25% ($100,000+)
11.75% ($10,000 - $149,999)

Declared Fixed Account Interest Rate:

3.50% ($100,000+)
3.35% ($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+

5 Year surrender charge period:

9%, 8%, 7%, 6%, 5%, 0% thereafter
During initial five 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:

Choose 1 Time Commission or a Trail Commission:

4.00% (00-75)
3.00% (76-80)
2.00% (80-85)
Trail Options available call for details or see commission schedule.

Get An Agent Kit

FIXED INDEXED ANNUITY with a 5, 7 or 10 year surrender

5 Year Option

Company Ratings:

"A" Rated By AM Best

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

9.25% Cap ($100,000+)
8.25% Cap ($10,000 - $99,999)

S&P 500 Annual Point-to-Point Performance-Triggered

7.30% Cap ($100,000+)
6.30% Cap ($10,000 - $99,999)

7 Year Option

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

9.25% Cap ($100,000+)
8.25% Cap ($10,000 - $99,999)

S&P 500 Annual Point-to-Point Performance-Triggered

7.30% Cap ($100,000+)
6.30% Cap ($10,000 - $99,999)

10 Year Option

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

9.25% Cap ($100,000+)
8.25% Cap ($10,000 - $99,999)

S&P 500 Annual Point-to-Point Performance-Triggered

7.30% Cap ($100,000+)
6.30% Cap ($10,000 - $99,999)

Get an agent kit

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 LICENSEs: AZ, CO, CT, FL, HI, ID, IL, IA, LA, MD, MI, NC, NV, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI

No information on this site is for use in New York or Puerto Rico.

Information enclosed is subject to change at anytime

state variations in surrender charges and interest rates - Be Aware

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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FIXED INDEX ANNUITIES - Quick Links

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FIA with optional income rider

7 or 10 Year Terms

Choose an FIA term from this "A" rated Carrier

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FIA With Many Crediting Options

Seven 7 Year FIA With Many Crediting Methods

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5, 7 or 10 Year FIA Annuity

FIXED INDEXED ANNUITY

Consistent renewal rates!

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3 Year FIXED INDEXED ANNUITY

Consistent renewal rates!

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5 Year FIXED INDEXED ANNUITY

Consistent renewal rates!

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FIXED INDEXED ANNUITY with a 5, 7 or 10 year surrender

5 Year Option

7 Year Option

10 Year Option

Receive More Information and Agent Contracting

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

FIXED INDEXED ANNUITIES ARE INSURANCE PRODUCTS FOR LIFE LICENSED AGENTS

Common misconceptions regarding FIA's: