Wednesday, September 7, 2016

Multi-Asset Risk-Control Index Option Added to WealthMax Bonus and WealthPay Life!

 

Multi-Asset,Volatility-Control Index Available Now!
125% Participation Rate!


Do the market ups and downs keep you – or your clients – up at night?
An asset-allocation strategy may be a better fit for those seeking accumulation.

WealthMax Bonus Life and WealthPay Life now feature accounts linked to the Goldman Sachs Dynamo Strategy Index.® The Dynamo Index offers growth from a multi-asset index, comprised of equities (US and international), bonds (US and European), commodities, real estate (US and European) and money-market assets. Dynamic rebalancing attempts to allocate more to past outperformers and less to past underperformers. And a volatility cap attempts to reduce risk exposure to generate more stable returns.

The index is designed to deliver the highest risk-adjusted performance subject to a target volatility. Learn more about this exciting index, click here.

WealthMax Bonus Life

• Single-premium
• Excellent for wealth-transfer objectives; plus living benefits
• 12% premium bonus
• 9.0% MGA Commission (for 50-75 issue ages)

WealthPay Life
• 3, 5, 10-pay life with premiums paid by SPIA
• Excellent for qualified money or low-cost-basis annuities; spread the tax
  liability. Plus living benefits.
• 11.0% MGA Commission (for 60-75 issue ages)

Both Policies Feature

• Dynamo Index Account: 1-Year Point-to-Point Participation, 125%
  participation rate!
• 3 S&P 500® Index Accounts and a Fixed Rate Account
• Living Benefits: Accelerated Death Benefits in the event of certain
  health conditions
• Simplified issue: telephone interview, underwriting decisions usually within
  48 hours
• 10-year design

For more detailed information on the Dynamo Index composition and results, visit www.solactive.com and enter ticker symbol GSDYNMO5.

Client Presentations!
The WealthMax Bonus Life client presentation now includes the Dynamo Index. And, we're pleased to introduce the NEW WealthPay Client Presentation. Links to both are provided below. Printed supplies are available now at the Order Supplies link on the Agent Website: Agents.EquiTrust.com.

Sales Resources

WealthMax Bonus Life Agent Guide
WealthMax Bonus Life Client Brochure
WealthPay Life Agent Guide
WealthPay Life Client Brochure
Goldman Sachs Dynamo Strategy Index Client Brochure
WealthMax Bonus Bonus Client Presentation
WealthPay Life Client Presentation
Illustrations
Current Rates
State Approvals
App Builder
FAQ

Transition Rules
• The Dynamo Index 1-Year Point-to-Point Participation Account is available
  only to policies issued on or after 9/7/16. The account is not available to
  in-force policies.
• Revised Disclosure Statement – The revised Disclosure Statements for both
  WealthMax and WealthPay are dated 08-16. Disclosure Statements dated
  prior to the 08-16 update will be accepted until 10/7/16 if the 1-Year Point-
  to-Point Paricipation Account is not selected.

Questions?
 Send an email to EquiTrust Sales Support,
call 800-811-9733, or visit our website at Agents.EquiTrust.com

 

 


The Goldman Sachs Dynamo Strategy Index is sponsored by Goldman Sachs. Any crediting option and the terms related to any such crediting option may be modified or eliminated in the future.

WealthMax Bonus Life and WealthPay Life are not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman, Sachs & Co. or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively referred to as "Goldman Sachs"). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in life insurance products generally or in index life insurance policies or the investment strategy underlying this life insurance contract particularly, the ability of the Goldman Sachs Dynamo Strategy Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Dynamo Strategy Index or the suitability of purchasing or holding interests in this index life insurance policy. Goldman Sachs does not have any obligation to take the needs of the holders of this index life insurance policy into consideration in determining, composing or calculating the Goldman Sachs Dynamo Strategy Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS DYNAMO STRATEGY INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS INDEX LIFE INSURANCE POLICY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

"Goldman Sachs," "Goldman," and "Goldman Sachs Dynamo Strategy Index" are trademarks or service marks of Goldman, Sachs & Co. and have been licensed for use by EquiTrust Life Insurance Company for use in connection with certain index life insurance policies.

The S&P 500® Index is a product of the Dow Jones Indices, LLC. ("S&P DJI") and has been licensed for use by EquiTrust Life Insurance Company. S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services, LLC. ("S&P"). These trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by EquiTrust Life Insurance Company. WealthMax Bonus Life and WealthPay Life policies are not sponsored, endorsed, sold or promoted by S&P DJI, S&P, or any of their respective affiliates or third party licensors, and none of such parties make any representation regarding the advisability of purchasing WealthMax Bonus Life or WealthPay Life policies nor do they have any liability for any errors, omissions, or interruptions of the S&P 500.®

WealthMax Bonus Life Contract issued on Form Series ICC11-ETL-IUL-2000(04-11). WealthPay Life Contract issued on Form Series ICC13-ETL-IWL-2000(01-13). WealthPay Life SPIA issued on Contract Form Series ICC13-ET-SPIA-2000(01-13). EquiTrust Life Insurance Company, West Des Moines, IA.  For Producer Use Only. IC16-ECN-1064

 

 

Sent to:jesse@schaeferfinancialgroup.com
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Sent By:

EquiTrust Life Insurance Company

7100 Westown Pkwy Suite 200

West Des Moines Iowa 50266-2521
U.S.A.

 

 

To view as a web page click here.

 

 

Thursday, July 28, 2016

Athene Interest Rate Update

 

Effective August 6, 2016

Athene  Driven to do more.®

View Online  |  Forward

 

 

 

Interest Rate Update

As interest rates remain at or near historic lows, we believe a strategy of responsive pricing best positions us to deliver both competitive products and consistent customer value. With those important goals in mind, we're adjusting rates on our Athene Benefit 10SM products effective August 6, 2016.

Athene Benefit 10

Rates

Athene Benefit 10
Athene Benefit 10 Select
Athene Benefit 10 Pro

 

Current

New

1-Year PTP (Cap)

3.50%

2.50%

1-Year Monthly Cap (Cap)

1.50%

1.30%

Fixed

1.50%

1.10%

Athene Benefit 10 application deadlines

  • Applications with cash received in good order by Athene no later than 4 pm CT on August 5, 2016 will be issued as applied for.
  • Non-cash applications (e.g. 1035 exchanges, IRA rollovers) received in good order by Athene no later than 4 pm CT on August 5, 2016 will be issued as applied for if funds are received no later than 4 pm CT on October 7, 2016.
  • Applications received in good order after 4 pm CT on August 5, 2016 will be issued with the new rates.

Applications may be submitted electronically using the Document Upload Tool on Athene Connect. They can also be submitted by overnight mail to the following address:

Athene Annuity and Life Company
7700 Mills Civic Parkway
West Des Moines, IA 50266-3862

 

Want to learn more?

Visit Athene Connect for product information and to run an illustration.

Download updated rate cards and state approval maps for all products.

View New Rates

 

 

Thank you for your business. For product and sales support, please contact the best Sales Desk in the business at 888‑ANNUITY (266‑8489).

 

 

 

Athene Ascent Pro [GEN (09/15) NB, ICC15 GEN (09/15) NB], Athene Ascent 10 Bonus 2.0 [GEN10 (04/14), GEN10 (07/14), GEN10 (09/15), GEN10 (12/15)], Athene Ascent Pro 10 Bonus Select [TBS10 (09/12) SR, TBS10 (04/14) SR, GEN10 (07/14) SR, ICC16 GEN10 (09/15) SR], Athene Ascent Pro 10 Bonus [TBS10 (09/12)] or state variations; Athene Benefit 10 with Enhanced Benefit Rider [GEN10 (04/14),TBS10 (09/12) SR, TBS10 (04/14) SR, TBS10 (09/12) NB, EBR (04/14)]; Athene MYG fixed annuity [MYG (09/15) or state variation]; Athene Performance Elite [GEN10 (04/14), GEN10 (04/14) G, GEN10 (07/14), GEN10 (09/14), ICC14 GEN10 (04/14), TBS10 (9/12), TBS10 (09/12) SR, TBS10 (09/12) SR G, ICC14 TBS10(04/14) SR, GEN10 (07/14) SR, TBS10 (04/14) SR, TBS15 (09/12), TBS15 (09/12) G, TBS15 (09/14), GEN15 (11/14), MVA (07/14), PEPR (11/14), PEPR (11/14) G, ICC15 PEPR (11/14), ICC15 PEPR NMV (11/14)]; TargetHorizon 5 Annuity TBS5 (09/12); TargetHorizon 10 Annuity TBS10 (09/12), TargetHorizon 10 Select Annuity TBS10 (09/12) NB, TargetHorizon 15 Annuity TBS15 (09/12), or state variations; Athene SPIA Single Premium Immediate Annuity [SPIA (06/87)] or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability may vary by state; see Certificate of Disclosure for full details. Products not available in all states.

 

 

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© 2016 Athene, 7700 Mills Civic Pkwy, West Des Moines, IA 50266, USA

For agent use only. Not to be used with the offer or sale of annuities. Annuities issued by Athene Annuity and Life Company, West Des Moines, IA.

In the state of New York, annuities issued by Athene Annuity & Life Assurance Company of New York, Nyack, NY.

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Wednesday, July 27, 2016

Announcing SecurePlusR Optimizer

 



National Life Group

 

Announcing SecurePlus® Optimizer

 

We are excited to announce a new offering to our indexed annuity line-up: SecurePlus® Optimizer. This new flexible premium fixed indexed annuity will be available on July 29, 2016.

SecurePlus® Optimizer offers competitive rates that could enhance the potential for the accumulated balance to grow significantly over time, which would help clients to achieve their financial goals for retirement.

This product is ideal for pre-retirees looking to make flexible, periodic contributions to their annuity. It is also great for clients who anticipate one or more large lump sum contributions from sources like a state or teacher's pension.

For additional information on SecurePlus® Optimizer, view the brochure which is now available on Merrill.

SecurePlus Optimizer is underwritten by Life Insurance Company of the Southwest, and is policy form number 20082 (0112) or state variation thereof.

Administrative Office: One National Life Drive, Montpelier, VT 05604
www.nationallifegroup.com | Sales Desk: 800-906-3310


National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in NY and does not conduct insurance business in NY.

Agent Use Only - Not For Use With The Public

TC 91119 (0716)1

Monday, July 11, 2016

Athene Rate Change Notice

 

Interest Rate Update

July 05, 2016

Effective July 9, 2016, we're adjusting Income Base Bonus Percentages and crediting rates on our Athene AscentSM Pro products as listed below. Income Withdrawal Percentages for all ages will also be adjusted. Download the updated income payout chart here.

Athene continues to maintain a competitive advantage in fixed and fixed indexed annuities with top-tier rates.

Application deadlines

  • Applications with cash received in good order by Athene no later than 4 pm CT on July 8, 2016 will be issued as applied for.
  • Non-cash applications (e.g. 1035 exchanges, IRA rollovers) received in good order by Athene no later than 4 pm CT on July 8, 2016 will be issued as applied for if funds are received no later than 4 pm CT on September 2, 2016.
  • Applications received in good order after 4 pm CT on July 8, 2016 will be issued with the new rates.

Applications may be submitted electronically using the Document Upload Tool on Athene Connect. They can also be submitted by overnight mail to the following address:

Athene Annuity and Life Company
7700 Mills Civic Parkway
West Des Moines, IA 50266-3862

 

 

Athene Ascent Pro

Ascent 10 Bonus 2.0
Ascent Pro 10 Bonus Select
Ascent Pro 10 Bonus

Ascent Pro 10
(No Bonus)

 

Current

New

Current

New

Income Base Bonus

10%

5%

8%

3%

 

Athene Ascent Pro

Ascent Pro 5

Ascent Pro 7

Ascent Pro 10

 

Current

New

Current

New

Current

New

2-Year No Cap PTP – BNP (Par Rate)

130%

95%

130%

100%

100%

85%

2-Year No Cap PTP – Morningstar® (Par Rate)

100%

70%

100%

75%

70%

65%

1-Year No Cap PTP (Par Rate)

90%

65%

90%

70%

65%

60%

1-Year PTP (Cap)

5.25%

4.00%

5.25%

4.25%

3.75%

3.50%

Bailout Cap Rate

3.00%

No Change

3.00%

No Change

1.00%

No Change

1-Year Monthly Cap (Cap)

2.20%

1.75%

2.20%

1.85%

1.75%

1.65%

Fixed

2.15%

1.50%

2.15%

1.65%

1.60%

1.35%

 

Jesse Schaefer

Phone: (877)257.8246 ext 109 

Fax: 320-257-8259

www.schaeferfinancialgroup.com

Annuity and Life Insurance Brokerage

 

Use our online contracting system for any carrier.  Once you put your information in the system it will  make it very easy and auto fill for any other future company appointments you wish to add

Schaefer Contracting Link

 

Something Tripping you up with E-Contracting?  Here is the video that walks you through the process:

Training Video how to use Online Contracting

 

Great American Interest Rates are Decreasing Effective July 21

 

 

GAIG Annuity Logo

Jul 08, 2016  
Product News  

 

 

Interest rates are decreasing for our fixed and fixed-indexed annuities effective July 21, 2016. Please see the interest rate chart for details.

Cash with Application/Wire
In order to receive the higher rate:

  • Paper applications with checks must be signed by Wednesday, July 20. Paperwork and funds must be received by Great American within seven calendar days of the application sign date.
  • Electronic applications must be completed by Wednesday, July 20. The electronic file and funds must be received by Great American within seven calendar days of the completion date.


Transfers and Rollovers
In order to receive the higher rate:

  • Paper applications must be signed by Wednesday, July 20 and received by Great American within seven calendar days of the application sign date.
  • Electronic applications must be completed by Wednesday, July 20 and received by Great American within seven calendar days of the completion date.

Fixed annuity funds must be received within 60 calendars days of the date the paper application is signed or the electronic application is completed. Please refer to the table below for guidance on when fixed-indexed annuity funds must be received in order to receive the higher rate:

 

Paper App Signed / Electronic App Completed

Funds must be received by 5:00 p.m. ET on:

On or before June 6, 2016

July 20, 2016

June 7, 2016-June 20, 2016

August 5, 2016 (Friday)

June 21, 2016-July 6, 2016

August 19, 2016 (Friday)

July 7, 2016-July 20, 2016

September 6, 2016

 

For producer use only. Not for use in sales solicitation.

Global Atlantic Rates are changing

 

To view this email as a web page, go here.

16-BD-0285-Rate-Update-Email-Header - GA

Effective July 13, 2016, the rates on our Choice Accumulation, ForeFreedom Savers, ForeCareand SecureFore Series fixed annuities are changing.  

Please refer to the new rate sheet below to get the most current rates.

IMO Rate Sheet

Rate Sheet

For questions or more information regarding our rate lock procedures, click here.

 

Important update from New Business:

Non-Natural Owner Contracts

For contracts written with Non-Natural owners we will be limiting the contracts to single annuitants. All applications submitted with Joint Annuitants with Non-Natural owners will be considered Not In Good Order. If you have additional questions please contact the annuity client service team at 1-877-244-7526.



For more information or to order a Sales Kit, 
contact the Sales Desk at (855) 44-SALES (447-2537).

 

Rates are subject to change, the attached is for illustrative purposes only.

Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the product's benefit rules, as applicable.

Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company. Each subsidiary is responsible for its own financial and contractual obligations.


Choice Accumulation fixed index annuity is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract FL-FIA-13 and ICC14-FL-FIA.

ForeFreedom Savers is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable).

ForeCare fixed annuity is issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract FA1101SPDA-01 (certificate series GA1101SPDA-01, as applicable) with Rider for Long-Term Care Benefits Form LTC2000-01, Optional Inflation Protection Benefit Rider Form LTC2001-01 and Optional Nonforfeiture Benefit Rider Form LTC2002-01 (certificate series LTCG2000-01, LTCG2001-01 and LTCG2002-01, as applicable). This is a solicitation of Long-Term Care insurance.

SecureFore fixed annuities are issued by Forethought Life Insurance Company, 300 North Meridian Street, Suite 1800, Indianapolis, Indiana. Available in most states with contract FA1101SPDA-01, (certificate series GA1101SPDA-01), as applicable).

Products and features are subject to state availability and variations. Read the Contract for complete details.

1540728.1 (07-16)

FOR PRODUCER USE ONLY. NOT FOR USE WITH THE PUBLIC.

This email was sent to: JESSE@SCHAEFERFINANCIALGROUP.COM

This email was sent by: Global Atlantic Financial Group
One Forethought Center Batesville, IN 47006



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