FSD Insurance Services - Independent Fixed Annuity & Life Insurance Wholesaler
FIXED INDEX ANNUITIES - Quick Links
Below are from various carriers:
- 3 Year FIA (A++ Rated)
- 5 Year FIA With Cap Lock (A++ Rated)
- 7 Year FIA w/Cap Lock GOLD Bucket (A++ Rated)
- 7 or 10 year option FIA (A Rated)
- 5, 7 or 10 year options (A Rated)
- 5, 7 or 10 year options (A- Rated)
- Request FIA Quotes
- FIA Commissions
FIA with optional income rider
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: 11.00%
- 10 Year: 1.00%
BNPP Patriot Technology Index One Year Point-to Point Uncapped
- 7 Year: Not Available
- 10 Year: 130% Participation Rate
1 year declared rate:
- 7 Year Term: 3.00%
- 10 Year Term: 3.50%
1 year S&P 500® Point-to-Point with Cap & 20% Max :
- 7 Year: Not Available
- 10 Year: 12.00%
1 year point-to-point with cap rate S&P 500:
- 7 Year: 6.00% Cap (100% participation)
- 10 Year: 8.00% 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: 6.00% Cap
- 10 Year: 8.00% 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, DC, DE, MS, NY, PR, 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:
5.25% (0-75)
4.25% (76-80) - 10 Year Term:
7.00% (0-75)
5.50% (76-80) - Get an agent kit
To Receive More Information and Agent Contracting
FIA With Many Crediting Options
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:
- 9.00% Cap ($100,000+)
- 8.50% 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)
iShares® U.S. Real Estate annual point-to-point with cap:
- 12.00 Cap ($100,000+)
- 11.00% Cap ($10,000 - $99,999)
SPDR® Gold Shares - GLD annual point-to-point with cap
- 12.50% Cap ($100,000+)
- 11.75% Cap ($10,000 - $99,999)
S&P 500 Risk Control annual point-to-point with participation rate
- 75% 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
- 13.75% ($100,000+)
- 13.25% ($10,000 - $149,999)
First Trust Barclays Edge Index 1-year point-to-point with 7-year cap lock
- 13.65% ($100,000+)
- 13.15% ($10,000 - $149,999)
Declared Fixed Account Interest Rate:
- 4.50% ($100,000+)
- 4.30% ($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:
- 5.00% (00-75)
- 3.00% (76-80)
- 2.75% (80-85)
- Trail Options available call for details or see commission schedule.
To Receive More Information and Agent Contracting
5, 7 or 10 Year FIA Annuity
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:
- 5.00% Fixed Rate
- 10.50% Annual Point-to-Point Cap S&P 500® (6.50% Bail-Out Cap)
- 45.00% Annual Point-to-Point Par Rate S&P 500®
- 7.00% Annual Point-to-Point Performance Trigger S&P 500®
- 2.50% Monthly Sum Cap S&P 500®
- 160% Barclays Global Quality Index Annual Point-to-Point Par Rate
- 12.75% S&P 500® Dynamic Intraday TCA Index Annual Point-to-Point Cap
- 145% Horizon Ascend 5%® Index
7 Year - S&P 500®
- 6.00% Fixed Rate
- 10.75% Annual Point-to-Point Cap S&P 500® (6.75% Bail-Out Cap)
- 45.00% Annual Point-to-Point Par Rate S&P 500®
- 7.10% Annual Point-to-Point Performance Trigger S&P 500®
- 2.50% Monthly Sum Cap S&P 500®
- 165% Barclays Global Quality Index Annual Point-to-Point Par Rate
- 13.00% S&P 500® Dynamic Intraday TCA Index Annual Point-to-Point Cap
- 150% Horizon Ascend 5%® Index
10 Year No Bonus - S&P 500®
- 7.00% Fixed Rate
- 8.50% Annual Point-to-Point Cap S&P 500® (6.00% Bail-Out Cap)
- 40.00% Annual Point-to-Point Par Rate S&P 500®
- 6.70% Annual Point-to-Point Performance Trigger S&P 500®
- 2.25% Monthly Sum Cap S&P 500®
- 165% Barclays Global Quality Index Annual Point-to-Point Par Rate
- 11.00% S&P 500® Dynamic Intraday TCA Index Annual Point-to-Point Cap
- 140% Horizon Ascend 5%® Index
10 Year With PREMIUM BONUS - S&P 500® Price Return Options:
- 3.00% Fixed Rate
- 6.50% Annual Point-to-Point Cap S&P 500® (3.50% Bail-Out Cap)
- 25.00% Annual Point-to-Point Par Rate S&P 500®
- 5.30% Annual Point-to-Point Performance Trigger S&P 500®
- 2.00% Monthly Sum Cap S&P 500®
- 125% Barclays Global Quality Index Annual Point-to-Point Par Rate
- 8.00% S&P 500® Dynamic Intraday TCA Index Annual Point-to-Point Cap
- 100% Horizon Ascend 5%® Index
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+)
To Receive More Information and Agent Contracting
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:
- 7.25% Cap ($150,000+)
- 7.00% Cap ($10,000 - $149,999)
iShares® U.S. Real Estate annual point-to-point with cap:
- 9.75 Cap ($150,000+)
- 9.50% Cap ($10,000 - $149,999)
iShares MSCI EAFE ETF annual point-to-point with cap:
- 8.75% Cap ($150,000+)
- 8.50% Cap ($10,000 - $149,999)
First Trust Barclays Edge Index 1-year point-to-point with participation rate
- 125% ($150,000+)
- 120% ($10,000 - $149,999)
First Trust Barclays Edge Index 1-year point-to-point with 3-year participation rate lock
- 125% ($150,000+)
- 120% ($10,000 - $149,999)
Declared Rate:
- 3.70% ($150,000+)
- 3.60% ($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, 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)
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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:
- 7.50% Cap ($100,000+)
- 7.00% Cap ($10,000 - $99,999)
S&P 500 annual point-to-point with cap:
- 8.00% Cap ($100,000+)
- 7.50% Cap ($10,000 - $99,999)
iShares® U.S. Real Estate annual point-to-point with cap:
- 10.80 Cap ($100,000+)
- 10.00% Cap ($10,000 - $99,999)
S&P 500 Risk Control annual point-to-point with participation rate
- 70% Par ($100,000+)
- 65% 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
- 13.00% ($100,000+)
- 12.50% ($10,000 - $149,999)
First Trust Barclays Edge Index 1-year point-to-point with 5-year cap lock
- 12.75% ($100,000+)
- 12.25% ($10,000 - $149,999)
Declared Fixed Account Interest Rate:
- 4.45% ($100,000+)
- 4.25% ($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:
- NY
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.
Receive More Information and Agent Contracting
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:
- 9.50% Cap ($100,000+)
- 8.50% Cap ($10,000 - $99,999)
S&P 500 Annual Point-to-Point Performance-Triggered
- 7.50% Cap ($100,000+)
- 6.50% Cap ($10,000 - $99,999)
7 Year Option
S&P 500 annual point-to-point with cap:
- 9.50% Cap ($100,000+)
- 8.50% Cap ($10,000 - $99,999)
S&P 500 Annual Point-to-Point Performance-Triggered
- 7.50% Cap ($100,000+)
- 6.50% Cap ($10,000 - $99,999)
10 Year Option
S&P 500 annual point-to-point with cap:
- 9.50% Cap ($100,000+)
- 8.50% Cap ($10,000 - $99,999)
S&P 500 Annual Point-to-Point Performance-Triggered
- 7.50% Cap ($100,000+)
- 6.50% Cap ($10,000 - $99,999)
Receive More Information and Agent Contracting
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.)
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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
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