Roll Out The Red Carpet For Your Clients With American Equity's Benefit Gold

 

GF/CS 09.28.10   For Agent Information Only. Not for use in solicitation or advertising to the public. CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314. American Equity’s failure to comply with your opt out request within 30 days is unlawful.

 

Offer Your Clients a 6 Year Surrender Charge Period With The Integrity Gold!

 

GF/CS 09.27.10   For Agent Information Only. Not for use in solicitation or advertising to the public. CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314. American Equity’s failure to comply with your opt out request within 30 days is unlawful.

 

Have You Heard About Our New Lifetime Income Benefit Rider?

 

GF/CS 09.20.10   For Agent Information Only. Not for use in solicitation or advertising to the public. CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314. American Equity’s failure to comply with your opt out request within 30 days is unlawful.

 

Offer Your Clients a 10% Bonus with the Retirement Gold from American Equity

 

GF/CS 09.13.10   For Agent Information Only. Not for use in solicitation or advertising to the public. CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314. American Equity’s failure to comply with your opt out request within 30 days is unlawful.

 

Web Conference - Advanced Income Planning Using The LIBR-2010

 

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Register today for these upcoming webinars with RBC

 

 

To view this email as a web page, click here. Annuities issued by Liberty Life Insurance Company September 2010 Webinars - Register Today! FIAs with Income Riders and VAs with Income Riders ... Exploring the sales opportunities, similarities and differences Tuesday, September 14, 2010 at 10 a.m. CST   Comparing and contrasting fixed index annuities with income riders to variable annuities with income riders Tips for selling fixed index annuities with income riders Find out where new sales opportunities may exist Register now for this September 14 webinar ... 5 ways to turn an income rider sale into a retirement relief plan Thursday, September 23, 2010 at 2 p.m. CST Find out how to address clients' income challenges Create a plan using a fixed index annuity with an income rider Register now for this September 23 webinar ... Questions? Contact the RBC Insurance Sales Desk ... After completing the registration form for a webinar, you should receive an e-mail with details and a link to add the event to your Outlook calendar. If you do not receive this, or you have any questions, please call the Sales Desk at 888-262-8131. RBC Insurance® is the brand name for Liberty Life Insurance Company, a part of the global insurance operations of Royal Bank of Canada. ®Registered trademarks of Royal Bank of Canada. Used under license. FOR PRODUCER USE ONLY. NOT FOR CONSUMER SOLICITATION.

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Join American Equity in Walt Disney World for our 2011 Convention

 

 

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RSL - Minimum Guaranteed Rates for Q4 2010

 

4th Quarter Minimum Guaranteed Interest Rates  (10/1/2010–12/31/2010)        While we announce minimum guaranteed rates 30 days in advance of every calendar quarter, the low interest rate environment has caused us to reevaluate minimum guarantees for our annuity products for the 4th quarter.  The changes to Eleos and Apollo guarantees may appear significant, but please consider our published renewal rate histories and competitive current rates.  Also understand that in the current economic environment, higher guarantees would require further reductions to current rates.   The Minimum Guaranteed Interest Rate for all new Apollo and Eleos contracts for the 4th quarter of 2010 are shown on the table below.   The Minimum Guaranteed Interest Rate at the time of issue will remain in effect for the life of the contract.   We will continue to adjust the Minimum Guaranteed Interest Rate on a quarterly basis for products filed under the indexed standard non-forfeiture regulations (Apollo, Eleos).  Increases or decreases in the minimum guaranteed rates will be dependent upon market conditions and will be no lower than a six month average of the five year CMT (Constant Maturity Treasury) yield minus a spread of 1.25% and will be no lower than 1.0% and no higher than 3.0%.   Product New Rate Old Rate Change Eleos-MVA 1.0% 2.0% -1.0% Eleos-SP 1.0% 2.0% -1.0% Apollo-MVA 1.0% 2.0% -1.0% Apollo-SP 1.0% 2.0% -1.0%   The Guaranteed Minimum Annuity Value (100% of premium @ 1.5% for the Keystone-5 and 100% of premium @ 2.0% for the Keystone-7 and Keystone-10) will not change, and the Minimum Contract Value for Keystone contracts will be 87½% of premium minus withdrawals accumulated at the non-Forfeiture rate of 1.0%.  In addition, the Minimum Guaranteed Caps and Participation rates will decline in accordance with the schedule below.   Product New Rates Old Rates Change Keystone – 5       Minimum Guarantee Greater of 100% of premium, minus withdrawals accumulated at 1.5% minus surrender charges, or 87.5% or premium, minus withdrawals accumulated at 1.00% Greater of 100% of premium, minus withdrawals accumulated at 1.5% minus surrender charges, or 87.5% or premium, minus withdrawals accumulated at 1.15% Non Forfeiture Rate -.15% Annual Point to Point – Cap 3.0% 4.0% -1.00% Annual Point to Point – Participation Rate 10% 25% -15% Annual Monthly Average – Cap 3.0% 5.0% -2.0% Annual Monthly Average – Participation Rate 10% 35% -25% Keystone 7       Minimum Guarantee Greater of 100% of premium, minus withdrawals accumulated at 2.0% minus surrender charges, or 87.5% or premium, minus withdrawals accumulated at 1.00% Greater of 100% of premium, minus withdrawals accumulated at 2.0% minus surrender charges, or 87.5% or premium, minus withdrawals accumulated at 1.15% Non Forfeiture Rate -.15% Annual Point to Point - Cap 3.0% 4.0% -1.00% Annual Point to Point – Participation Rate 10% 25% -15% Annual Monthly Average - Cap 3.0% 5.0% -2.0% Annual Monthly Average – Participation Rate 10% 35% -25% Keystone 10       Minimum Guarantee Greater of 100% of premium, minus withdrawals accumulated at 2.0% minus surrender charges, or 87.5% or premium, minus withdrawals accumulated at 1.00% Greater of 100% of premium, minus withdrawals accumulated at 2.0% minus surrender charges, or 87.5% or premium, minus withdrawals accumulated at 1.15% Non Forfeiture Rate -.15% Annual Point to Point - Cap 3.0% 4.0% -1.00% Annual Point to Point – Participation Rate 10% 25% -15% Annual Monthly Average - Cap 3.0% 5.0% -2.0% Annual Monthly Average – Participation Rate 10% 35% -25%      For a PDF version of the information contained in this bulletin, please click here (link will remain active for 30 days).      Reliance Standard Life Insurance Company 2001 Market Street, Suite 1500 Philadelphia, PA 19103 annuity.marketing@rsli.com www.reliancestandard.com 800-351-7500 Todd Shaddinger (ext 4749) Amy Clements (ext 3948) Katelyn Kinney (ext 4765)

© Reliance Standard Life Insurance Co., 2010

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