Tuesday, May 24, 2011

Magnify Your Clients Retirement Potential With The Retirement Gold

 










*Form number and availability may vary by state.
**Each year after the 3rd Contract year, clients become vested in a percentage of the bonus, until 100% vested at the end of the 14th Contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early Withdrawal or Surrender. Bonus, Surrender Charges, and Vesting Schedules may vary by state. See Disclosure and Brochure for details.

WC GF/CS 05.23.11

 

For Agent Information Only. Not for use in solicitation or advertising to the public.

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Reliance Standard Rate Change Effective 5-31-11

 

             

 

 

 

 Interest Rate Change, Effective 5/31/2011

 


In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received by Reliance Standard by the close of business on Friday, 5/27, as there will be no mail or overnight delivery on Monday.

For a PDF version of this rate announcement, please click here (link will remain active for 60 days.)

 

 

The Keystone Index Annuity


Product

New Rates

Old Rates

Change

Keystone-5**

 

Annual Pt-to-Pt Cap

5.00%

5.00%

No Change

Annual Pt-to-Pt
Participation Rate

15.00%

15.00%

No Change

Annual Monthly
Average Cap

5.50%

5.50%

No Change

Annual Monthly
Average Participation Rate

20.00%

20.00%

No Change

Fixed Interest Rate

2.75%

2.75%

No Change

Keystone-7**

Annual Pt-to-Pt Cap

5.50%

5.50%

No Change

Annual Pt-to-Pt
Participation Rate

20.00%

20.00%

No Change

Annual Monthly
Average Cap

6.00%

6.00%

No Change

Annual Monthly
Average Participation Rate

25.00%

25.00%

No Change

Fixed Interest Rate

2.85%

 2.85%

No Change

Keystone-10**

 

 

 

Annual Pt-to-Pt Cap

5.75%

5.75%

No Change

Annual Pt-to-Pt
Participation Rate

20.00%

20.00%

No Change

Annual Monthly
Average Cap

6.25%

6.25%

No Change

Annual Monthly
Average Participation Rate

25.00%

25.00%

No Change

Fixed Interest Rate

2.90%

 2.90%

No Change

 

 

 

 

 

Traditional Bonus Annuity


Product

New Rates
Base + Bonus / Base

Old Rates
Base + Bonus / Base

Change
Base + Bonus / Base

Eleos-MVA

3.90% / 2.90%

4.10% / 3.10%

-0.20% / -0.20%

Eleos-SP

3.75% / 2.75%

3.95% / 2.95%

-0.20% / -0.20%

Apollo-MVA

3.90% / 2.90%

3.90% / 2.90%

No Change

Apollo-SP

3.75% / 2.75%

3.75% / 2.75%

No Change

Argus2000-MVA

Temporarily Suspended

N/A

N/A

Argus2000-SP

Temporarily Suspended

N/A

N/A

 

 

 

 

 

Multi-Year Guarantee Rates



Product

New Rates
Guar Rate 1st Yr/
Guar Rate Yrs 2+

Old Rates
Guar Rate 1st Yr/
Guar Rate Yrs 2+

Change
Guar Rate 1st Yr/
Guar Rate Yrs 2+

Elektra-579

Five Year Guarantee

Temporarily Suspended

N/A

N/A

 

 

 

 

 

 

SPIA Factor Changes

 New Rate  (No Changes)

 Old Rate

 5 Year Period Certain

Temporarily Suspended

N/A

 6 Year Period Certain

Temporarily Suspended

N/A

 7 Year Period Certain

Temporarily Suspended

N/A

 8 Year Period Certain

Temporarily Suspended

N/A

 9 Year Period Certain

Temporarily Suspended

N/A

 10 Year Period Certain

Temporarily Suspended

N/A

 

 

 

 

 

 




**Effective 4/1/2011 through 6/30/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.)

Effective 4/1/2011 through 6/30/2011, the minimum guaranteed rate for all Apollo and Eleos contracts will be 1.00%

*Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request.

Call us if you have any questions

Thanks,

Jesse Schaefer
President / Marketing
Toll Free: 877-257-8246
Email: jesse@schaeferfinancialgroup.com
Web: www.schaeferfinancialgroup.com