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.

 

Choices

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:

1.  BASE CONTRACT

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.

 

2.  MARKET VALUE ADJUSTMENT OPTION

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.

 

3.  LIQUIDITY OPTION

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.

 

4.  COMBINATION OF BOTH OPTIONS

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

ANNUITIZATION OPTIONS

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.

THE VALUE OF TAX DEFERRAL

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

 

MINIMUM GUARANTEE

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.

 

NURSING HOME WAIVER RIDER

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.

BENEFITS UPON DEATH OF OWNER

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.

 

FREE-LOOK PERIOD

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.

Benefits and Riders

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How do these riders work?

The Accelerated Benefit Riders (ABRs) are offered for no additional premium. However, the accelerated benefit payment will be less than the amount of death benefit requested because it is reduced by an amount calculated based on evaluation of the insured’s future expected mortality at the time the benefit is exercised as well as an administrative fee of up to $500 assessed when the benefits are elected. See acceleration amount limitations below.

 

Three separate riders may provide for the payment of an accelerated benefit which cover the following conditions:

  • Accelerated Benefit Rider for Terminal Illness (Policy Form Series: ABR14-TM): 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
  • Accelerated Benefit Rider for Chronic Illness (Policy Form Series: ABR14-CH): 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
  • Accelerated Benefit Rider for Critical Illness (Policy Form Series: ABR14-CT): For use if an eligible insured experiences a critical illness described in the rider after the issue date. Covered critical illnesses may be found in the Rider

California Residents:

  • A supplemental application is required to determine
  • The chronic and critical illness versions are not available for applicants age 65 and
  • Chronic illness is not available in conjunction with term coverage whether it is the base policy or a
  • The accelerated death benefit is an unrestricted cash

 

Minimum Policy Death Benefit to Obtain Riders:

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

 

Maximum Death Benefit Eligible for Acceleration

  • $2,000,000 (issue ages 0 through 65)
  • $1,000,000 (issue ages 66 or older)

Policies exceeding the maximum acceleration amount will still contain the Accelerated Benefit Riders; however, the owner will only be able to accelerate up to the maximum death benefit eligible for acceleration. For example, on a $4,000,000 policy (where eligible), the owner will only be able to accelerate $2,000,000 if issue age 65 or under at time of issue.

 

There is no minimum partial acceleration request; however, the partial acceleration will not be allowed if the policy’s face amount would be reduced below the minimum required for the product.

The accelerated benefit may be paid in a lump sum or applied to any settlement option under the contract that does not involve life contingent payments.

Not everyone that applies for acceleration will be eligible to receive accelerated benefits.

Eligible Accelerations:

If the primary Insured suffers a qualifying medical condition, the base policy and any additional riders on the primary Insured are eligible for acceleration. Likewise, if a spouse or other Insured party suffers a qualifying condition, their specific rider benefits will also be eligible for acceleration. The Children’s Term Rider is not eligible for acceleration.

Upon payment of the accelerated benefit to the owner, the policy or rider(s) providing the eligible death benefit will be treated as if the Insured has died if full acceleration is elected. In the event of a partial accelerated benefit, the policy or rider will be treated as if there has been a decrease to the face amount.

This Rider is automatically included in specified life insurance products in New York. There is no additional premium for the Accelerated Benefit Rider but an administrative fee not to exceed $300 will be deducted from the initial Accelerated Benefit.

In the unfortunate event, you are diagnosed with an illness that is expected to result in death within 12 months, you will be eligible to accelerate a portion of your death benefit in advance.

The maximum Initial Accelerated Benefit you may request is the lesser of 50% of the Eligible Death Benefit or $250,000. However, should you wish to initiate subsequent accelerations, the maximum eligibility of acceleration is limited to 80% of the Eligible Death Benefit or $400,000.

Upon death, any funds paid under the Accelerated Benefit Rider will be held as a lien against the death benefit in addition to any outstanding loan balances and interest charged to the policy.

How does this benefit work?

This Rider is automatically included on qualifying Signature Guaranteed Universal Life Insurance Policies. On each available option period, the rider allows you to surrender your policy in full and receive a return of your premiums paid subject to policy details.

 

The rider requires payment of the policy’s annual minimum premium to remain in-force. In any given year, if the policy’s annual premium payment is not satisfied you will be notified and have 60 days to make the payment. If the required payment is not paid, the rider will terminate and will not be eligible for reinstatement.

 

Rider Restrictions

  • The Cash-Out Benefit will be reduced by any loans or withdrawals.

 

Rider Details

  • You may only choose to Cash-Out during the 60 day period following each available option The Cash-Out Benefit will be reduced by any loans, withdrawals, or decreases.
  • Cannot be added after
  • The amount of the Cash-Out Benefit will depend on the option period the rider is exercised and the death benefit of the

At each option period, the Guaranteed Cash-Out Value will be the LESSER OF:

  1. A specified percentage of premiums paid OR
  2. The benefit maximum, which is a percentage of the death

 

The Rider Will Terminate When Any Of The Following Occur:

  • The policy’s minimum premium requirements are not met
  • The date the policy terminates or is surrendered in full
  • The 61st day after the last available option period

Note: Once the rider terminates, it cannot be reinstated.

 

 

 

 

Source: American National

LEAD GENERATION & MARKETING

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DFS Marketing consults with the most successful lead generation resources in the nation. Each month, we evaluate new opportunities that have proven to drive new prospects to your practice. Continuous marketing is the first step in building consistently increasing revenues and a hallmark of every top producer we serve. Avoid the common mistakes and take advantage of our detailed research. As we work together, our team will be able to help match your personality and practice to proven approaches that play to your strengths so that you may maximize your results. The most successful lead generation resources in the nation.

START WHERE OTHER SYSTEMS END!

The goal of every lead system is a face-to -face meeting with a new client. This system begins with a face-to-face meeting! This campaign is based on a unique mailer. For best results, mail 5,000 pieces.

HEAR IT ALL!

All response calls are archived on your personal web account so you can listen to each and every appointment. Appointments are set based on what you are looking for. You will choose the minimum investible assets for prequalifying the prospect.

LET NOTHING SLIP BY!

We have found that these clients are less likely to attend a seminar or workshop. They prefer the personal approach. This opens a new client base to you. You will even receive a list of every call-in including those who have less than the minimum investable assets to qualify for the face-to-face meeting. Use these opportunities to fill in the gaps in your schedule. Don’t let anything slip by.

MAKE THE SALE!

Expect between 10-15 appointments and average sales over $200,000. These folks will definitely have money because the purpose of the meeting is to see if you can help them position their finances for greater success in the future.

THE HIGH-QUALITY PROSPECT LIST

Intensely scrubbed and constantly updated lists bring better results. By cross referencing bi-weekly between the leading list sources in the nation, we connect you to the best. Our program targets higher quality prospects to attend your event which yields higher appointment ratios.

MESSAGES THAT RESONATE

Our proven messaging is current and relevant to today’s economy. Stop relying on stale messaging and move into high impact marketing that draws from the concerns people have right now. Then, watch your workshop fill up!

PROTECT YOUR MARKET

Through proper coordination, your event will be free from identical competition.

CONTENT

We have several highly successful and winning workshops (including handouts) you can choose from. Instant training is available whenever you are ready. Just ask!

401 (k) Magic

There are trillions of dollars in 401(k) accounts throughout the nation.

Get in front of an untapped market of people aged 40-55, with incomes of over 100k and own their own houses. These people have income and assets and want to create a legacy and financial stability for themselves and their children.

This may be the perfect supplement to your workshops and other marketing activities.

AN AMAZING MARKET!

Each day, nearly 10,000 people become eligible for Social Security benefits and what they don’t know will hurt them. Strategically pull responses from people between the age of 60 and 66. This is the perfect client base ready to learn about eliminating volatility, keeping more of their benefits and planning their future retirement income. Tap into this opportunity with minimal effort.

There are many more opportunities and exclusive niche marketing game changers we can connect you with. Contact our Business Development Team for more information.

ROTH IRA CONVERSION

Our exclusively created mailers drive people to the ROTH IRA opportunity to explore if it is advantageous to make the leap into a tax-free world. Clients responding to this piece have substantial assets in qualified money and typically earn high incomes. They are motivated to find a legal way to reduce their current and future tax exposure.

WORKSHOP READY

Combine this with our ROTH IRA workshop and one-of-a-kind conversion calculator and you are well on your way to lucrative large transactions.

GO ONE-ON-ONE

Advisors using these professionally written and designed advertising pieces have loaded their practice with new prospects who are ready to get out of the excessive tax environment and jump into a tax-free universe. Our newspaper and direct mail ads even include a designs for one-on-one appointments!

FINAL EXPENSE

Build a big data base! Innovative producers have made the move to this high response approach that allows you to rapidly build a data base. Think of this business as a lead generation program that pays for itself. This is great for covering a basic need everyone has, establish the relationship and then go deeper to find other problems you can solve. If you are trying to build your agency with a junior agent, use this to get the ball rolling.

SINGLE PREMIUM LIFE

  • Do you think tax payers are fed up?
  • Are investors tired of volatility?
  • Or are they worn out on low growth?
  • Are people concerned about covering the high costs of Long Term Care, Critical Illness, etc.?

This mailer may just be the ticket for you!
Call DFS Marketing to Learn more! 855-740-3140

One on One Appointments

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DFS Marketing brings you Pre-Qualified Appointments

INCREASE YOUR PRODUCTION AND INCOME BY MEETING PRIVATELY WITH COUPLES AND INDIVIDUALS THAT ARE ACTIVELY SEEKING FINANCIAL ADVICE AND GUIDANCE IN YOUR MARKET.

ONE-ON-ONE APPOINTMENT CONCIERGE… A REPEATABLE AND SCALABLE NEW CLIENT ACQUISITION SYSTEM.

To watch the One-on-One Appointment video, please Click Here

 

 

6 Challenges to Savings

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An important Decision

Today there is a lot of information and misinformation about financial & retirement planning options. More than ever retired people have many important questions to answer before they can make the right decisions regarding their financial situations.

Making smart decisions is critical when it comes to

protecting wealth! Many retirees are wise to save their money and try to protect a substantial portion of their wealth by avoiding market risk. This often leads people to place their funds into traditional savings accounts, CDs or Money Market Accounts. Let’s consider CDs for a moment. Why do so many retirees put their hard earned dollars into CD’s? There are many reasons including:

  • CDs are safe (insured).
  • It is easy and convenient to get a CD.
  • You can deal with the local bank.
  • They seem simple and easy to understand.
  • They are widely held. If so many others are doing this, it can’t be a completely bad idea.
  • You may not know or understand all the options available to you.

The following information may change your ideas about the value of savings vehicles like CD’s. You may find that seemingly little issues or events may adversely affect your financial goals and cost you peace of mind.

Challenge #1

Low interest Rates

It is probably no surprise to you that CDs, savings accounts and Money Market Accounts earn some of the lowest guaranteed interest rates you can find.

6challengestosavingsas

For instance, between 1997 and 2007, CD rates averaged 4.19% nationwide. This interest is taxable to the CD owner each year even if the interest is not withdrawn.

6challengestosavings

This means a CD earning 4% is actually growing by only 3.0% after taxes if the CD owner is in the middle tax bracket of 25%.

Solution Our solution gives you the potential to exceed traditional fixed interest rates without ever exposing principal or past earned interest credits to Market Risk.* You may find this additional potential combined with safety and security is just what you are looking for.

*Annual yields may vary depending on various strategies. Yields are not indicative of any one particular company. Past performance is not a guarantee of future results. *(Source: Federal Reserve, Compiled by HSH Associates – www.hsh.com/indices)

Challenge #2

Taxation

As we just learned, interest earned from a CD is taxable every year. This happens even when you don’t withdraw or use the interest you earn. Not only does this tax have to be paid out of your current income, that money also looses the opportunity to further work for you.

Solution

Our solution allows your interest to grow your money on a tax-deferred basis. This means you do not pay taxes on your interest earnings until you make withdrawals. Tax-deferral can be a powerful wealth building tool.

For example, suppose we invest $100,000 in a bank CD and make no withdrawals, except to pay taxes, for 10-years. We’ll assume a 5% annual interest rate and a 25% tax rate. In ten years the CD balance would be $144,504 after taxes on the interest earned. At that time, if you chose to withdraw only the interest in year eleven, you would receive $7,225.20. Using the same assumptions as above but growing the money tax-deferred, our solution would now be worth $162,889 at the end of the 10th year. At that time, if you chose to withdraw only the interest in year eleven, you would receive $8,144.45.

That’s 12.7% more money for you!

Isn’t it time to make your money work as hard for you as you did for it? Don’t you think it’s better to pay taxes only when you withdraw your money? With our solution you earn interest on your principal, interest on your interest and interest on the money you would have otherwise paid to Uncle Sam! **Interest withdrawn from an annuity is taxable.

“The hardest thing to understand in the world is the income tax.”

-Albert Einstein

Challenge #3

Probate Costs

What happens to your money when you die? Does it go right to your heirs? Unfortunately without taking some action, most of your assets could end up going through the probate court. Probate is a legal process that states require to transfer your property to your heirs after you pass away.

This can take six months or more depending upon how complex the matter might be. There are also costs associated with filing fees, executor fees and legal fees that can range from a relatively small amount to as much as 10% of the estate value according to Legal Help Mate, a legal document preparation service. Since probate costs both time and money, many people seek ways to avoid or eliminate this challenge.

Solution

Our solution may allow you to save money and avoid probate delays altogether for the funds you place into it by properly designating your beneficiaries.

“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do.”

-Mark Twain

Challenge #4

Withdrawal Penalties

You may focus so much on the interest rate and term of a CD that you don’t pay enough attention to how much money you’ll give up if you cash the CD early. If you need to access a portion of your CD, you will likely pay charges on the entire amount. Penalties are normally expressed as an interest charge. According to Bankrate.com, it is not unusual to see the following penalties.

6challengestosavingsewd

Many CD owners keep renewing automatically, letting their account roll over at the end of the term. Suppose you bought a two-year CD at the bank and decided to cash it out after four months. You would have to pay six-months interest even though you’ve only earned four. That means you’re digging into the principal you paid for the CD. Now consider what happens if you renewed your two-year CD each term for ten years and you needed some cash in year eleven. You will be charged all of the six months of interest to be earned that year. As your CD balance grows, your charge for accessing your money also grows.

Solution

Our solution provides a decreasing withdrawal charge that has a definite expiration date. You can select the number of years that are right for you, 5, 7, 10 or more if you like. The longer number of years normally means a higher beginning charge. Penalty Free Withdrawals: In addition you can always access up to 10% of your account at any time after the first year with NO withdrawal charges. Other provisions can waive the withdrawal fees altogether if you are facing situations like nursing home care, home health care or you are diagnosed with terminal illness. This allows you access to your funds when needed without sacrificing your interest.

** Withdrawals made before age 59 ½ may be subject to a 10% Federal penalty.

“There are three faithful friends – an old wife, an old dog, and ready money.”

-Benjamin Franklin

Challenge #5

No Lifetime Income

After working hard all your life you managed to put away enough for what you anticipate to be a comfortable retirement. Your retirement account represents a lifetime of effort and overcoming challenges that life has brought your way. Congratulations! You’ve made it. As expressed earlier, safety is a primary reason so many have placed their assets in CDs. It only makes sense to be careful in retirement right? Safety of principal is very important in retirement but so is the need to create a predictable lifetime of income. Life expectancies are on the rise! For many, retirement will now last 20 to 30 years or more. This means your resources will need to last as long as you do. Let’s examine one scenario for a 70-year old seeking safety and income for retirement. She currently owns a 1-year CD earning 4% per year with a value of $100,000. She has other sources of income and a fairly reasonable lifestyle. After considering her current situation, she has concluded that she needs an additional $9,100 per year from her CD. Assuming she makes her withdrawal from the CD each year prior to renewing, she can avoid any charges. The challenge is that at this pace, she will run out of her money in just fourteen and a half years.

Solution

Our solution provides both safety and lifetime income guarantees. The same $100,000 placed in our solution creates exactly $9,118.50 per year for the rest of her life, no matter how long she lives.* In addition, this income stream makes good sense at tax time as well because each payment received is a blend of principal and interest, over 70% of each payment is excluded from taxation. That’s right. An income that you can NEVER outlive! Isn’t that the kind of Security that you really want?

*Subject to the claims paying ability of the life insurance company. Results may vary depending on the specific product purchased.

“Here is the test to find whether your mission on Earth is finished: if you’re alive, it isn’t.”

-Richard Bach

Challenge #6

Market Risk

Markets rise and fall on a daily basis. Accessing your money at the wrong time (during a downturn) can dramatically affect how long your resources will last. Many individuals would like to see their money grow faster but realize the risk of a negative market movement. Is there an answer?

Solution

With our solution, if the market goes up, you will receive an interest rate credit to your account value. If the market goes down, your principal and past interest credits are totally preserved. You don’t loose a penny!

*How it works: Our solution protects your principal and links your interest credits to the movement of an external market index. This allows you to participate in the good years and sit out the bad. The goal is to provide you with the potential to exceed traditional fixed interest rates without exposing your principal and past interest credits to market risk. Maybe this is the time for you to consider your next steps with a qualified representative.

*Early withdrawals may be subject to surrender charges which may intrude on principal if the amount withdrawn exceeds the penalty free amount.

Our Solutions are Guaranteed

If you find yourself interested in our solutions, we want you to know all about your options. These solutions can be achieved through the use of Fixed Annuities, Fixed Indexed Annuities and Immediate Annuities. Annuities with these features and benefits can be purchased from America’s most financially capable insurance companies. Some of the companies we work with have been in business for over 300 years. Annuities are guaranteed by the insurance company and receive special treatment within the tax code that may benefit you. Before making any decision to purchase an annuity, you should meet with a qualified insurance agent to evaluate if an annuity might be suitable for you based on your personal situation. Your agent can access ideas, products and strategies that you may find useful in achieving your long term financial goals. Like any financial product, Annuities are not suitable for everyone. Before purchasing any Annuity, you will be provided with full disclosure of the features, benefits, and costs associated with the product you are purchasing. If you would like more information about annuities, ask about receiving a copy of the “Safe Money Kit.” The Safe Money Kit includes useful information including the “Annuity Buyers Guide,” created by the National Association of Insurance Commissioners (NAIC) & eye opening reports from America’s leading Universities.

Summary

Let’s look at what we’ve learned.

We’ve revealed an alternative to savings vehicles that provide the potential for a higher yield. A Fixed Annuity or Fixed Indexed Annuity may accomplish this goal. We have evaluated the power of deferring the taxes owed on the interest you earn until you choose to use this money. Again, a Deferred Annuity may be a great option for you. By properly designating your beneficiaries, you may avoid unnecessary delays and costs associated with probate. Annuities are well positioned to serve you in this way. Most Annuities allow access to your funds through 10% penalty free withdrawals. You may also benefit from needed liquidity when confined to a nursing home or when you are receiving home health care. (Please refer to the specific policy for surrender charges and waiver provisions)

The need for Lifetime Income can be fulfilled through proper Annuity planning. You may use an Immediate Annuity or you may want to use a Deferred Annuity with a Lifetime Income Benefit added to it. If you seek the potential to exceed traditional fixed interest rates without exposing your principal and past interest credits to Market Risk, you may want to consider learning more about a Fixed Indexed Annuity.

 

Disclosure
The information contained in this booklet provides general information. The author has made best efforts to provide accurate information that is readily available in the public domain. This information is not a solicitation of any specific company or product. This information is not Investment Advice, Tax Advice or Legal Advice. Please consult a qualified advisor for assistance in those areas.

 

(Source: producertraining.com)

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