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"A" Rated Carrier THREE YEAR Fixed Indexed Annuity

Very Short Term Indexed Annuity

Rates: 

  • S&P 500 annual point-to-point with cap:
    4.00% Cap
    ($150,000+)
    3.65% Cap ($10,000 - $149,999)
    "In AK, CA & UT
    3.75% Cap ($150,000+)
    3.40% Cap ($10,000 - $149,999)
  • iShares® U.S. Real Estate annual point-to-point with cap:
    4.25 Cap
    ($150,000+)
    4.00% Cap ($10,000 - $149,999)
    "In AK, CA & UT:
    4.00% Cap ($150,000+)
    3.75% Cap ($10,000 - $149,999)"
  • iShares MSCI EAFE ETF annual point-to-point with cap:
    4.75% Cap
    ($150,000+)
    4.50% Cap ($10,000 - $149,999)
    "In AK, CA & UT:
    4.50% Cap ($150,000+)
    4.25% Cap ($10,000 - $149,999)"
  • Declared Fixed Account Interest Rate:
    1.85% ($150,000+)
    1.70% ($10,000 - $149,999)
    "In AK, CA & UT:
    1.75% ($150,000+)
    1.60% ($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, CA 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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Seven 7 Year FIA With Many Crediting Methods

Details:

Rates:

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

  • 5.50% Cap ($100,000+)
    5.25% Cap ($10,000 - $99,999)
  • (AK, CA, PA, UT & VA)
    5.00% Cap ($100,000+)
    4.75% Cap ($10,000 - $99,999)

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

  • 4.85% Cap ($100,000+)
    4.60% Cap ($10,000 - $99,999)
  • (AK, CA, PA, UT & VA)
    4.50% Cap ($100,000+)
    4.40% Cap ($10,000 - $99,999)

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

  • 55% Par ($100,000+)
    50% Par ($10,000 - $99,999)
  • (AK, CA, PA, UT & VA)
    50% Par ($100,000+)
    45% Par ($10,000 - $99,999) 

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

  • 5.55 Cap ($100,000+)
    5.05% Cap ($10,000 - $99,999)
  • (AK, CA, PA, UT & VA)
    4.80% Cap ($100,000+)
    4.30% Cap ($10,000 - $99,999)

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

  • 55% Par ($100,000+)
    50% Par ($10,000 - $99,999)
  • (AK, CA, PA, UT & VA)
    50% Par ($100,000+)
    45% Par ($10,000 - $99,999) 

S&P 500 monthly sum with cap  

  • 1.75 Cap ($100,000+)
    1.55% Cap ($10,000 - $99,999)
  • (AK, CA, PA, UT & VA)
    1.70% Cap ($100,000+)
    1.50% Cap ($10,000 - $99,999)

Declared Fixed Account Interest Rate:

  • 2.15% ($150,000+)
    2.05% ($10,000 - $149,999)
  • (AK, CA, PA, UT & VA)
    1.95% ($150,000+)
    1.85% ($10,000 - $149,999)

Issue ages:

  • Qualified: 18–85
  • Non-qualified: 0–85
  • Inherited IRA: 18–75
  • Inherited non-qualified: 18–75 

Tax Qualifications:

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

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 the first seven contract years, MVA will also apply, No MVA in AK, CA, PA, UT & VA

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 Terms

FIA with 5, 7 and 10 Year Surrender Terms To Choose From:

S&P 500 index Annual point-to-point with cap rate:

  • 5 Year:  
    4.60% Cap ($100,000+ Initial Premium) and   
    3.80% Cap ($25,000 - $99,999 Initial Premium)
  • 7 Year:   
    4.75% Cap ($100,000+ Initial Premium) and   
    3.90% Cap ($25,000 - $99,999 Initial Premium)
  • 10 Year:   
    4.80% Cap ($100,000+ Initial Premium) and   
    4.00% Cap ($25,000 - $99,999 Initial Premium)

S&P 500 index Annual point-to-point with participation rate:

  • 5 Year:   
    30% ($100,000+) and
    25% ($25,000 - $99,999 Initial Premium) 
  • 7 Year:  
    34% ($100,000+) and   
    26% ($25,000 - $99,999 Initial Premium) 
  • 10 Year:  
    35% ($100,000) and  
    28% ($25,000 - $99,999 Initial Premium) 

Russell 200 index Annual point-to-point with cap rate:

  • 5 Year:  
    3.75% Cap ($100,000+ Initial Premium) and   
    3.20% Cap ($25,000 - $99,999 Initial Premium)
  • 7 Year:   
    3.80% Cap ($100,000+ Initial Premium) and   
    3.30% Cap ($25,000 - $99,999 Initial Premium)
  • 10 Year:   
    3.90% Cap ($100,000+ Initial Premium) and   
    3.40% Cap ($25,000 - $99,999 Initial Premium)

 MSCI EAFE index Annual point-to-point with cap:

  • 5 Year:  
    4.00% Cap ($100,000+ Initial Premium) and   
    3.40% Cap ($25,000 - $99,999 Initial Premium)
  • 7 Year:   
    4.10% Cap ($100,000+ Initial Premium) and   
    3.40% Cap ($25,000 - $99,999 Initial Premium)
  • 10 Year:   
    4.20% Cap ($100,000+ Initial Premium) and   
    3.60% Cap ($25,000 - $99,999 Initial Premium)

PIMCO Global index Annual point-to-point with participation rate:

  • 5 Year:   
    40% ($100,000+) and
    30% ($25,000 - $99,999 Initial Premium) 
  • 7 Year:  
    42% ($100,000+) and   
    33% ($25,000 - $99,999 Initial Premium) 
  • 10 Year:  
    44% ($100,000) and  
    35% ($25,000 - $99,999 Initial Premium) 

ML Strategic Balanced index Annual point-to-point with participation rate:

  • 5 Year:   
    60% ($100,000+) and
    50% ($25,000 - $99,999 Initial Premium) 
  • 7 Year:  
    62% ($100,000+) and   
    53% ($25,000 - $99,999 Initial Premium) 
  • 10 Year:  
    68% ($100,000) and  
    60% ($25,000 - $99,999 Initial Premium) 

Fixed interest with one-year rate guarantee period:

  • 5 Year Term: 1.75%
  • 7 Year Term: 1.80%
  • 10 Year Term: 1.85%

Issue Age:

  • 5 Year Term: Issue to age 85
  • 7 Year Term: Issue to age 85
  • 10 Year Term: Issue to age 75

Minimum / Maximum Premiums:

  • $25,000 to $1,000,000 initial premium - Additional premium accepted in first 30 days 

Surrender Charge Period - Choice of 5, 7 or 10-year term:

  • 5 Year Term: 8%, 7%, 6%, 5%, 4%, 0% Thereafter
  • 7 Year Term: 9%, 8%, 7%, 6%, 5%, 4%, 3%, 0% Thereafter
  • 10 Year Term: 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Thereafter  MVA +/- during surrender terms

Free withdrawal options waiver of surrender: **

  • 10% annual withdrawals
  • IRS Required minimum distributions
  • Full Death Benefit
  • Annuitization with partial index credit available

Commissions by age:

  • 5 Year Term: 3.25% (0-80)  1.00% (81-85) 
  • 7 Year Term: 4.50% (0-80) 2.50% (81-85) 
  • 10 Year Term: 7.00% (0-75)

Company Ratings:

  • "A" Rated By A.M. Best

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"A+" RATED CARRIER - FIXED INDEXED ANNUITY

5 YEAR FIA

Fixed Account:

  • 2.15% ($100,000+)
  • 1.70% ($10,000 - $99,999)

   1-Year Daily Risk Controlled Pt-to-Pt Indexed:

  • 2.00 Spread ($100,000+) 
  • 2.30% Spread ($10,000 - $99,999)

   1 Year Fidelity AIM Dividend Participation:

  • 100% Participation ($100,000+) 
  • 90% Participation ($10,000 - $99,999)

   1-Year Point-to-Point Indexed:

  • 5.00% Cap ($100,000+) 
  • 4.05% Cap ($10,000 - $99,999)

   1 Year S&P 500 Participation No CAP: 

  • 40% Participation ($100,000+) 
  • 32% Participation ($10,000 - $99,999)

Issue ages:

  • 0 – 85, non-qualified and qualified

Available markets

  • Non-qualified, qualified (IRA and Roth IRA)

Minimum initial premium

  • $10,000 non-qualified and qualified
  • Maximum premium (without approval) $2,000,000

Additional premiums:

  • Additional premiums are applied to the Fixed Account & subject to a $50 minimum. Carrier has the right to limit additional premiums to $25,000 each contract year. 

Surrender charge period: 5 Years

  • 9.00%, 8.00%, 7.00%, 6.00%, 5.00%, 0.00%
  • California: 9.25%, 8.25%, 7.25%, 6.25%, 5.20%, 0.00%

Commission: 

  • 2.70% (0-74)
  • 2.20% (75-79)
  • 1.20% (80-84)
  • 0.50% (85)

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"A-" Rated Carrier - Fixed Indexed Annuity

VESTED BONUS FIA WITH NO MVA

Index Annuities Carrier Rates:

   Three Interest Crediting Strategy Options: 

  • Declared Rate Strategy:
    2.00% Interest Rate - Interest credited daily & compounded
  • S&P 500® Index Strategy:
    4.00% Cap - Annual Point to Point 
  • Global Multi-Index Strategy
    40% Participation Rate - Annual Point to Point NO CAP

  Bonus:

  • 4.00% of the Single Premium Paid (100% Vested Day 1)

   e-Application:

  • Option available

   Issue Ages: 

  • For Owner and Annuitant - 15 days through 85 years (Age last birthday)

   Premiums: 

  • Minimum Premium Amount: $2,000 (Qualified and Non-Qualified)
  • Maximum Premium Amount: $750,000

   Withdrawals:

  • Allowed at any time and may be subject to a Surrender Charge
  • Penalty Free Withdrawals allowed 
  • Maximum Free Withdrawal Percentage: 10% each year and may accumulate up to 50% (Beginning Contract Year 2)
  • Nursing Home Facility or Confined Care Facility Confinement: Maximum Free Withdrawal Percentage will be 100% when certain nursing home or confined care facility confinement conditions are met (Beginning Day 1) not available in CA and SD.

   Guaranteed Surrender Value

  • This value is 87.5% of the single premium paid, plus bonus, accumulated at 3.00%, adjusted by net withdrawals

   Transfers/Re-allocations

  • Are allowed at the end of each 1-year term period

   Maturity Date: 

  • Maturity is reached on the contract anniversary following the Annuitant’s 100th birthday

   The Death Benefit:

  • May be paid out in a lump sum or an available settlement option may be chosen

   Surrender charge period: 9 Years

  • 9%, 8%, 7%, 6%, 5%k 4%, 3%, 2%, 1%, 0% Thereafter
  • No Market Value Adjustment (MVA)

   Availability:

  • States NOT approved in: AK, CT, ME, NY, VT

  Commission: 

  • 4.50% Paper Application (0-75)
  • 6.00% E-Application (0-75)
  • 2.50% Paper Application (76-85)
  • 3.00% E-Application (76-85)

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3, 5, 7 or 10 Year Terms

Choose an FIA term fro, this "A-" rated Carrier

S&P 500 index interest crediting options:

Annual point-to-point with cap rate:

  • 3 Year: 4.50% Cap 
  • 5 Year: 5.00% Cap 
  • 7 Year: 5.15% Cap 
  • 10 Year: 5.60% Cap 

Monthly average cap annual point-to-point

  • 3 Year: 4.50% Cap 
  • 5 Year: 5.00% Cap 
  • 7 Year: 5.15% Cap 
  • 10 Year: 5.60% Cap 

Fixed interest with one-year rate guarantee period:

  • 3 Year Term: 1.85%
  • 5 Year Term: 2.20%
  • 7 Year Term: 2.25%
  • 10 Year Term: 2.45%

Issue Age:

  • 18-80

State Availability

  • Not in AL, MS, NY, VT, WV 

Minimum / Maximum Premiums:

  • $20,000 Minimum
  • $350,000 Maximum

Surrender Charge Period - Choice of 3, 5 or 7 year term:

  • 3 Year Term: 10%, 9%, 8%, 0.0% Thereafter
  • 5 Year Term: 10%, 9%, 8%, 7%, 6%, 0.0% Thereafter
  • 7 Year Term: 10%, 9%, 8%, 7%, 6%, 5%, 4%, 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 as of the end of the previous Policy Year. 

Death Benefit

  • Full Accumulation Value

Commissions:

  • 3 Year Term:
    2.25% (18-75)
    1.35% (76-80) 
  • 5 Year Term:
    3.50% (18-75)
    2.65% (76-80) 
  • 7 Year Term:
    5.00% (18-75)
    4.10% (76-80) 
  • 10 Year Term:
    6.50% (18-75)
    5.00% (76-80) 

Company Ratings:

  • "A-" Rated By A.M. Best 

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

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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.)