Guaranteed Increasing Rate Annuity
A monthly guide for insurance agents reviewing fixed annuity product quality and performance.
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Annuity Review
(PDF Format)
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April 2006 |
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Beneficial Life Guaranteed Step-Up Guaranteed Increasing Rate Annuity A fixed cd type annuity with a distinct advantage, the rate will go up guaranteed. When compared to a CD this annuity rate is higher and will increase, guaranteed. It is simple and works like this: · Year 1 is 3.75% · Year 2 is 4.25% · Year 3 is 4.50% · Year 4 is 5.00% · Year 5 is 6.00% That is a 4.70% yield, and in year 5 the client is earning 6%. Sure looks better for the agent than those up-front bonus products that only pay the client in the 3% range in future years. With a Commission of 2.00% (0-90) and a Full Death Benefit with Waivers it allows 10% Withdrawals In all years. 5 Year Surrender 7%,7%,7%,6%,5%,0% The New IGA Index From Standard Simple Equity Indexed Annuities The Standard Insurance has entered the Index Annuity marketplace with two easy to understand client oriented products. The IGA 5 and IGA 7. The products offer a tiered cap rate based on deposits under or over
$100,000. The IGA 5 has a 5 year surrender 8,7,6,4,2 and a 4.50% commission
up to age 80. The cap rate is currently 7.50% under $100,000 and 8.25% over
$100,000. The IGA 7 has a 7 year surrender 9,8,7,5,6,4,2 and a 5.50%
commission up to age 80. The cap rate is currently 7.75% under $100,000 and
8.50% over $100,000. IMMEDIATE ANNUITIES License with FSD and receive our exclusive 7 company income comparison spreadsheet. A++, AA+ company with a 4.00% Commission! Equity Indexed Annuity 5.00% Bonus FREE Client Presentation CD 4 Crediting Methods ¨ Annual Point-to-Point Cap Index Strategy¨ Annual Point-to-Point Participation/NO CAP¨ Monthly Average with Spread / NO CAP¨ Annual Fixed Rate Strategy¨ All Strategies Reset Annually!Past History Illustrations Available 10 Year Surrender Term - Full Death Benefit |
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