FSD Fixed Annuity Bulletin - (800) 373-9697 - 04/07/2010


2 Income Rider Options
INCOME RIDERS AVAILABLE WITH RBC CHOICE SERIES INDEX ANNUITIES

 
Rated (A) By A.M. Best - RBC Life
Financial Review - Get comfortable with LBL!
RBC Choice 10
(3.00% Bonus On Income Side)
RBC Enhanced Choice 10
5.00% Premium Bonus (8.00% On Income Side)
RBC Enhanced Choice 8
2.00% Premium Bonus (5.00% On Income Side)
Commission
10.00% (0-75)
-  8.00% (-80) 6.00% (-85)
Sign Up This Week and get a 0.50% BONUS!
Commission
7.00% (0-75) -  5.00% (-80) 3.00% (-85)
Sign Up This Week and get a 0.50% BONUS!
Commission
6
.00% (0-75) -  4.50% (-80) 3.50% (-85)
10 Year Surrender:
(10,10,9.5,9,8, 7,6,5,4,2)
CA and WA (9,9,8,7,6,5,4,3,2,1 )
10 Year Surrender:
(10,10,10,9.5, 9,8,7,6,4,2)
CA and WA (9,9,8,7,6,5,4,3,2,1 )
8 Year Surrender
(10,9,8,7,6,5,4,2)
CA and WA (9,8,7,6,5,4,3,2)

Crediting Methods :
Annual point-to-point cap: 5.00% (S&P)
1yr monthly pt-to-pt cap: 2.50% (S&P)
1yr quarterly pt-to-pt cap: 2.75% (DJIA)
1 yr Mo. averaging cap: 5.00% (DJIA)
1 Year Fixed: 3.00%

Crediting Methods:
Annual point-to-point cap: 5.00% (S&P)
1yr monthly pt-to-pt cap: 2.25% (S&P)
1yr quarterly pt-to-pt cap: 2.50% (DJIA)
1yr Monthly averaging cap: 5.00% (DJIA)
8 Year Fixed: 2.70% Yr 1 1.70% yrs 2-8

Crediting Methods:
Annual point-to-point cap:
5.50% (S&P)
1yr monthly pt-to-pt cap: 2.75% (S&P)
1yr quarterly pt-to-pt cap: 3.25% (DJIA)
1yr Monthly averaging cap: 5.00% (DJIA)
8 Year Fixed: 3.00% Yr 1 2.00% yrs 2-8

7.50% compounded roll up rate on each!
RBC Guaranteed Lifetime Withdrawal Benefit Rider
>
Immediate 3.00% income bonus
RBC Enhanced Guaranteed Lifetime Withdrawal Benefit Rider
>
Immediate 1.00% income bonus
> Increase of 50% on income payments for clients unable to perform 2 or more activities of daily living

Either rider can be added to an RBC Choice Series Index Annuity to give your clients income options when they need them the most.

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Rider(s) are not available in all states. Please check state availability by calling the RBC Insurance Sales Desk at 888-262-8131. The RBC Guaranteed Lifetime Withdrawal Benefit Rider (policy form series AN3025) and the RBC Enhanced Guaranteed Lifetime Withdrawal Benefit Rider (policy form series AN3026) are issued by Liberty Life Insurance Company. These contracts contain limitations. For additional information, please consult the contracts and disclosures or contact RBC Insurance for complete details. Guarantees are based on the financial strength and claims-paying ability of the insurance company.
 

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