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Signature Guaranteed UL – SI (Simplified Issue) is an individual universal life insurance policy that will provide a guaranteed death benefit to age 100, assuming that all premiums have been paid as scheduled. The policy can still lapse due to loans and withdrawals but you can make additional premium payments to keep the policy in force.

Signature Guaranteed UL – SI will pay a tax-free death benefit directly to your named beneficiary to help replace your income, take care of final expenses, and meet your financial promises.



When applying for life insurance, underwriting refers to the extensive

review process that may include medical exams, blood tests, physician

reviews and more. Simplified Issue underwriting requires a few simple

health questions and NO medical exams or blood tests. Only standard

rates are available.


To be considered for the Simplified Issue Program your employer must be

approved to participate by American National and you must fulfill the

following requirements:

  • Be an active Full Time employee
  • Be between ages of 18 and 65
  • Be able to answer a few simple medical questions.

Even though you must be an employee to apply for Simplified Issue Life

Insurance, if you choose to leave your employment, you may keep your life

insurance by continuing to pay premiums on your own.


Your Signature Guaranteed UL-SI policy has late payment forgiveness

which allows premiums to be paid up to one full month beyond the monthly

deduction billing date without negatively affecting the lapse date. This

feature prevents the projected lapse date from decreasing due to late

payments here and there.




Should you become terminally, chronically, or critically ill, a full or partial accelerated death benefit may be available to you before you die, providing an unrestricted cash benefit for you to use for any expense, including medical.


For use if an eligible insured has an illness or chronic condition that is expected to result in death within 12 to 24 months, depending on state definitions.


For use if an eligible insured is unable to perform two out of six activities of daily living (bathing, continence, dressing, eating, toileting, or transferring) or is cognitively impaired. The benefit is an unrestricted cash payment.


For use if an eligible insured experiences a critical illness described in the rider after the issue date. The 16 covered critical illnesses (13 in California) may be found in the ABR Overview, Form 10743.


  • Terminal Illness: $25,000
  • Chronic & Critical Illness: $50,000


  • Up to $250,000


There is no additional premium for this benefit. However, the death benefit accelerated will be less than requested as it is discounted by an amount calculated based on American National’s evaluation of the insured’s health at the time the benefit is exercised as well as an administrative fee of up to $500 assessed when the benefits are elected. See the Accelerated Benefits Rider Brochure 10473 for more information on these riders.


For an additional premium, we will waive the stipulated planned policy premium in the event of disability. Any waived premiums are considered to be paid premiums and are credited to the insurance policy. This amount may not keep the policy active to the policy maturity date.

The insured must provide proof of total disability, which must last for at least six consecutive months.

This rider expires after the policy anniversary following attained age 60.


Form Series PWSTP (Forms May Vary by State)


For an additional cost, separate level term life insurance may be provided for each child age 15 days old through 18 years if the base policy insured is between 18-55. Each insured child can be covered up to the earlier of either:

  • The child’s attained age of 25, or
  • The policy anniversary following the insured’s attained age of 65.

The insured can apply for additional coverage on a child at issue or following the birth of the child.



Form Series ULCTR14 (Forms May Vary by State)



Source: American National

You deserve to live your dream retirement

Call your Insurance agency to learn more

If you’re like many people, you have imagined what your ideal retirement would look like. Maybe it involves travel to new and exciting destinations. Perhaps you want to fill your time with children, grandchildren and even great-grandchildren!

You deserve to live your dream retirement, but are you prepared? Many consumers are not adequately prepared financially for some of the key retirement risks we face.

Fixed annuity basics

Building a foundation

Fixed annuities may be a solution to help address your retirement concerns but more importantly reach your retirement goals. Fixed annuities have the following benefits:


Tax-deferred growth allows your money to grow faster because you earn interest on dollars that would otherwise be paid in taxes. Your premium earns interest, the interest compounds within the contract and the money you would have paid in taxes earns interest.

Under current law, annuities grow tax-deferred. An annuity is not required for tax-deferral in qualified plans. Annuities may be subject to taxation during the income or withdrawal phase.

May Avoid Probate

By naming a beneficiary, you may minimize the delays, expense and publicity often associated with probate. Your designated beneficiary receives death proceeds in either a lump sum or a series of payments.

Please consult with and rely on your own legal or tax advisor.

Death Benefit

A good Insurance Carrier will pay out a death benefit which equals the Accumulation Value upon the death of the annuitant or an owner. The death benefit is payable upon the death of the first owner, unless the sole beneficiary is the owner’s spouse and he or she elects to continue this contract under spousal continuance. If there are joint annuitants and an annuitant who is not also the contract owner dies, the

death benefit will be paid on the death of the second annuitant. A death benefit is not available if an annuity payout option has been elected.

Lifetime Income

Through your election of an annuity payout option, A good Insurance Carrier can provide you with a guaranteed income stream with the purchase of your tax-deferred annuity. You have the ability to choose from several different annuity payout options, including life or a specified period. Once a payout option is elected it cannot be changed and all other rights and benefits under the annuity end.

See product details sheet for more information regarding annuity payout options.


Click Here to see the brochure




Source: North American Company

Early Mortgage Payoff

Signature Guaranteed Universal Life Insurance Case Study:

Sonny and Maureen, 42, had been discussing their future and how they would save for retirement in order to retire early in 20 years when they reached age 62. Sonny was the primary provider while Maureen worked part time when the kids were in school to help with the finances. In addition to saving for early retirement, they had two important goals: providing permanent, affordable, life insurance protection for the family and paying off the mortgage before retirement. They met with their Financial Advisor who talked to them about their situation and then made recommendations as to how they could accomplish their goals.


Affordable, Permanent Protection for the Family

The Advisor then showed them an illustration for a $500,000 Signature Guaranteed Universal Life (Signature GUL) policy from American National with a premium of $319.10 per month on Sonny’s life. He told them this was a very cost effective way to provide permanent protection for their family. The monthly premiums were more affordable than other types of permanent life insurance leaving them with additional resources to save for college and retirement. If something were to happen to Sonny, the policy ensured that the family would be able to have funds that could be used to send the children to college, allow Maureen to pay off the mortgage on the family home, and any remaining funds could go towards Maureen’s retirement.


Paid Off Mortgage

The advisor then talked to Maureen and Sonny about how the Cash-Out Rider included on the Signature GUL policy could be used to help pay down or pay off their mortgage early. The Cash-Out option would allow them to surrender the policy and receive a partial return of premiums paid on the 15th policy anniversary or a full return of premiums paid on the 20th or 25th policy anniversary, subject to a death benefit cap.

Maureen and Sonny initially seemed hesitant at the idea of surrendering their permanent policy but their adviser reminded them that the Signature GUL would meet their current permanent protection needs while also providing additional options through the Cash-Out Rider that could help if their needs changed over time.

In 20 years when Maureen and Sonny wanted to retire, their kids would be educated and living on their own while they would be starting retirement. However, if they wanted to retire at 62, there would still be eight years left on their mortgage, resulting in additional risk with the remaining debt while in retirement. The advisor walked them through a Signature GUL illustration which showed that, at the 20th policy anniversary, the Cash-Out value would be $76,584. Sonny and Maureen checked their amortization schedule and found that there would be $76,392 left on their mortgage at the time the policy’s 20th anniversary would hit, and the Cash-Out Rider would provide just enough to pay off their mortgage in time for retirement. They would have enjoyed the $500,000 death benefit protection for 20 years when they needed it to protect their family, surrendered and cashed-out the policy using the Cash-Out Rider, and then redirected the premiums they had paid over the years to help fulfill their other goals of early retirement and a paid off mortgage.




Here is how  the numbers worked out:


Signature GUL Death Benefit:
(42 M, Standard, NS, to 95)
Monthly Premium $319.10
Annual Premium $3,829
Cash-Out at year 15 $37,335
Cash-Out at year 20 $76,584
Cash-Out at year 25 $95,730
Initial Mortgage @3.7% (taken at age 40) $200,000
Mortgage Balance at age 62 $76,392

Source: American National

Fixed Annuity

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A fixed annuity offering choices to balance your accumulation and liquidity needs


Does your financial time horizon rule out most annuities?

Is access to a portion of your money important to you?

Do you seek opportunities with future interest rate movements?


The choice is clear . . . for peace of mind and tax-deferred growth.



CHOICEFOUR from EquiTrust Life Insurance Company® is a tax-deferred annuity featuring competitive

one-year renewable interest rates, access to your money and protection of your principal. It is built on the understanding that competitive returns and minimal taxation are critical to reaching your retirement goals. You choose the time horizon that best fits your liquidity needs and a strategy that suits your interest rate outlook.


CHOICEFOUR is a single premium deferred annuity with a twist – you can make additional premium payments anytime during the first contract year. Plus, you have a variety of choices to customize your contract to suit your objectives.

CHOICEFOUR is really four products in one. You choose the product for you:


The “Base Contract” features a one-year fixed rate that is reset annually. All premiums paid in the first contract year will receive the same interest rate as the initial premium. The interest rate in subsequent years may change on each contract anniversary – subject to the Minimum Guaranteed1 Interest Rate.


Upon partial withdrawal or surrender2, you are subject to a surrender charge on the accumulation value, in effect for nine years and declining annually: 12, 11, 10, 9, 8, 7, 6, 4 and 2 percent.3


If you need access to money from your contract, you may withdraw interest earned in the prior 12 months, and do so without surrender charges.



If you’re confident that you will not need access to your money early, you may choose the Market Value Adjustment (MVA) Option. This option gives you an immediate 1.50 percent premium bonus, applied to all premiums received in the first contract year.

The Market Value Adjustment Option affects early surrenders of the contract in excess of the free withdrawal provision. The MVA may increase or decrease the accumulation value surrendered when interest rates move up or down relative to rates at the time of your annuity purchase. At the end of the surrender charge period, your cash surrender value will equal the full accumulation value. Ask your agent for more details on the MVA, or refer to your contract.



If you have a financial time horizon shorter than nine years, you may choose the shortened surrender charge schedule available with the Liquidity Option. This will reduce your surrender charge schedule to six years, declining annually: 12, 11, 10, 9, 8 and 7 percent.3 The cost of the Liquidity Option is reflected in an interest rate slightly lower than the rate available with the Base Contract.


In addition, the Liquidity Option allows you greater access to your money. You may withdraw up to 10 percent of the accumulation value annually without surrender charge, beginning in the second contract year. Although withdrawals of greater than 10 percent can be made, a surrender charge will be applied to amounts exceeding the 10 percent maximum.


Keep in mind that any withdrawals may be subject to federal income tax, and you may incur a 10 percent IRS penalty tax on withdrawals taken prior to age 591/2.



This option combines the benefits of both. If you prefer a shorter surrender charge schedule, yearly access to 10 percent of your accumulation value without surrender charge or MVA, as well as a 1.50 percent premium bonus in exchange for the Market Value Adjustment and a slightly lower interest rate, then both Options may be right for you.


Getting Started

CHOICEFOUR is available for issue ages 0-85. You pay no initial front-end sales charges or annual maintenance fees; 100 percent of your premium goes to work for you right away.


Other Features


Several annuitization payment options are available, including payment for life, payment of a designated amount or payment for a certain period of time. You determine the schedule that best fits your financial circumstances – a period as short as 5 years, or for as long as the annuitant is alive. Your agent can help you determine the most appropriate payment option, or discuss a specific payment schedule you may have in mind.


Currently, all interest income earned on an annuity accumulates on a tax-deferred basis. No income taxes are payable until you receive a payment from your contract. If you are under age 59 1/2 at the time of withdrawal, an additional 10 percent IRS penalty may be imposed. Tax deferral is currently available only to individuals and joint owners, not to corporations or other non-individuals.4



You are guaranteed, upon surrender, to receive no less than 100 percent of your premiums, excluding any premium bonus if applicable, less any partial withdrawals, plus interest earned at a rate of no lower than 1% and no higher than 3%, less surrender charges.



For additional peace of mind, your contract includes a Nursing Home Waiver Rider5 at no extra cost.

Available at issue up to age 80. If you are confined to a nursing home or hospital for 90 days or more, your contract accumulation value will be available without surrender charges or MVA beginning in the second contract year and during your confinement.


If the owner of the annuity dies, the full accumula- tion value is paid to the beneficiary, without surren- der charges or MVA. Upon death of an owner, the beneficiary may choose to have the death benefit paid immediately or applied to a payment option.



After your CHOICEFOUR contract is issued, you have a specified number of days to review it; see your contract for complete details. If you are not com- pletely satisfied with the terms, you may return the contract and receive 100 percent of your premiums paid, less any prior withdrawals.


Ask Your Agent

Ask about the variety of options that CHOICEFOUR offers for the stages of your life, or refer to your contract.


This is a summary only. CHOICEFOUR may not be available in all states. In those states where it is available, certain provisions may vary or may not be available. Prior to purchasing this contract, contact your agent or the company for complete contract provisions and details.

American Equity’s Commission Rates

Effective January 3, 2017, the commission rate on American Equity’s Foundation Gold will be adjusted.  The street-level commission rate will be reduced by 30 bps, which is less than a 5% change.  Other companies within the industry made a similar commission rate reduction in the third quarter of 2016.  The Foundation Gold commission Option A will still be 50 bps above the industry average for comparable products.

American Equity offers one of the highest premium bonuses in the industry on a 10-year product where the bonus is not contingent upon the purchase of special riders or features.  In order to maintain this product for your clients, American Equity made this decision to make a slight reduction in the commission rate.

The new commission payout will be applied to Foundation Gold applications received January 3, 2017 and after.  Applications received by 1:00 p.m. CST on December 30, 2016 will receive the current rate.  No exceptions.

We appreciate your business.


Please call DFS Marketing at 855-740-3140 for more information.




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