Oxford June Annuity Rates

 

 

	2721 North Central Avenue Phoenix, Arizona 85004 1-800-308-2318 - www.oxfordlife.com
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New Annuity Rates Effective June 1st , 2012 *
Rates are protected on transfers and 1035 exchanges for 60 days from date the application is written. Modified Single Premium Annuity Affordable Interest Rate Bands Interest Rate Years 1-5 Income Account Rate Years 1-5 High Band $25,000 to $350,000 2.40% 7.40% Low Band $10,000 to $24,999 2.00% 7.00% Oxford Life Bonus Ten™ Interest Rates Fixed Rate Annual Pt to Pt Cap Monthly Average Cap 1.25% 2.75% 2.75% Optional GLWB Income Account Rate 8.00%
* Rates are subject to change. Please contact Oxford Life for current rates.
AN102P2 FOR PRODUCER USE ONLY - Not available in all states. © OLIC 2012 Rev.5-2012

 

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Oxford Life Insurance Company
2721 N. Central Ave.

Phoenix, AZ 85004
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RSL - Interest Rate Change (Effective 5/30/2012)

 

Apollo & Eleos Interest Rate Decrease Effective 5/30/2012
In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received at the Home Office on Tuesday, 5/29.  If business is being written on 5/29, the paperwork can be faxed to 267-256-3542, but original paperwork must be received the following day. For a PDF of this rate bulletin, please click here (link will remain active for 30 days.)
The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**   Annual Pt-to-Pt Cap 3.50% 3.50% No Change Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 4.00% 4.00% No Change Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 1.80% 1.80% No Change Keystone-7** Annual Pt-to-Pt Cap 4.00% 4.00% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.50% 4.50% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 1.85%  1.85% No Change Keystone-10**       Annual Pt-to-Pt Cap 4.25% 4.25% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.75% 4.75% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 1.90%  1.90% No Change           Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.00% / 2.00% 3.25% / 2.25% -0.25% Eleos-SP 2.85% / 1.85% 3.10% / 2.10% -0.25% Apollo-MVA 2.80% / 1.80% 3.05% / 2.05% -0.25% Apollo-SP 2.65% / 1.65% 2.90% / 1.90% -0.25%     **Effective 4/1/2012 through 6/30/2012, 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 1.00% for the Keystone-5, Keystone-7, and Keystone-10.) The minimum guaranteed rate for the 2nd Quarter of 2012 will remain at 1.00% for the Eleos & Apollo contracts. *Rate lock (for rate decreases) does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request. For more information contact: Reliance Standard Life Insurance Company (800) 351-7500 Ext 3696 www.reliancestandard.com annuity.marketing@rsli.com

This email is being sent to jesse@schaeferfinancialgroup.com. Use this link to be deleted or to update your email address Trouble with this link? simply forward this message to rem@partnerblast.com or call 773-470-0350. Reliance Standard Life Insurance Co. | Reliance Standard Life Insurance Co. | 2001 Market Street | Philadelphia, PA 19103

 

A.M. Best Affirms Our Athene Rating

 

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A.M. Best Affirms Athene Annuity's Rating Today A.M. Best announced it has affirmed Athene Annuity's rating of BBB+ (Good), with a stable outlook. Best points to our investment expertise and strategy, access to capital, and success in implementing our retail business model as positive factors in its decision to affirm our rating. Like Fitch Ratings, which took a similar action last month, Best identifies a continued record of strong financial performance as the key to a rating upgrade going forward. While we continue to believe that a positive rating action is warranted at this time given our strong financial position, growth trajectory and experienced management team, we view the decisions by both Best and Fitch as positive news given the relative youth of our parent company and a challenging rating environment for our industry. We continue to operate as an "A" rated company, executing our strategy and growing our business by delivering high value product and an exceptional sales experience.

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Death Pay-Out Endorsement Added to Annuity Product

 

 

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Sentinel Security Life Insurance Company            Personal Choice Annuity™ Death Pay-Out Provision Endorsement   Sentinel is pleased to announce an enhancement to our Personal Choice™ Annuity. Starting immediately, all annuity contracts will include the attached endorsement that gives the contract an additional pay-out provision if the death benefit equals contract rider is not attached to the base contract. The endorsement allows the beneficiary to receive the full Contract Value over a 5-year period instead of only having the option to receive the Cash Surrender Value. These provisions are retroactive for all Sentinel Personal Choice Annuities issued by Sentinel Security Life and where such endorsements are state approved.   We feel both clients and our agents will find this to be a positive change as it allows for more flexibility within the pay-out provisions of the contract. We encourage you to read the complete list of revisions and to familiarize yourself with the Death Pay-Out Provision Endorsement so you can accurately explain the change to your clients. Please note that clients aged 86 to 90 are always required to add the death benefit equals contract value rider to their annuity.   Several states have specific death pay-out provision endorsements so please refer to the links below if you work out of Wyoming, Florida, or Nebraska. In addition, California and Oregon are still pending state approval on the endorsement. We will advise our agents when these two states are approved. We've also attached a revised Agent Field Guide and a death scenario worksheet for reference and to keep on-hand if questions come up with your clients.   Thank you for all of your hard work and for continuing to make Sentinel's Personal Choice Annuity a highly successful product.   Wyoming Death Pay-Out Provision Endorsement Florida Death Pay-Out Provision Endorsement Nebraska Death Pay-Out Provision Endorsement Please contact us if you have any questions: Call: 800-247-1423 Email: agency@sslco.com For producer use only. Not for use with the general public.

 

Forward email This email was sent to jesse@schaeferfinancialgroup.com by annuity@sslco.com |   Update Profile/Email Address | Instant removal with SafeUnsubscribe™ | Privacy Policy. Sentinel Security Life Insurance Company | Home Office | 2121 South State Street | Salt Lake City | UT | 84115

Acquisition of Delphi Financial (Reliance Standard's Parent Company) by Tokio Marine Closes

 

Acquisition of Delphi Financial by Tokio Marine Closes   The merger of Delphi Financial Group (Reliance Standard's parent company) into Tokio Marine Holdings closed yesterday, May 15, 2012.  Tokio Marine is the largest property and casualty insurer in Japan and a global insurance group with assets of $200 billion.  Post acquisition, Reliance Standard will continue to operate as a first class enterprise with a reputation for growth and profitability while maintaining a high degree of consistency during difficult economic times.  Tokio Marine can be the catalyst for a new era of growth and opportunity at Reliance Standard.  Their financial strength and ratings profile, their network of global relationships, and their access to capital can potentially leverage Reliance Standard's strengths to new orders of magnitude.  I speak for our entire team in affirming how pleased we are to be embarking on this new and exciting partnership. As a result of the merger, Fitch Ratings has upgraded the Insurer Financial Strength rating of Reliance Standard from "A-" to "A+" and has changed the ratings outlook from positive to stable.  We expect upgrades from the other rating agencies as well.   I would like to recognize and thank the agencies and producers that have contributed to the growth and profitability of our Annuity Line here at Reliance Standard over the years and we look forward to expanding our relationships with you and your firm. Should you have any questions regarding the merger or any other issues, please contact the Annuity Sales Desk at 800-351-7500 x 3696. David M. Whitehead Vice President, Accumulation Products Marketing           2001 Market Street, Suite 1500 Philadelphia, PA 19103 annuity.marketing@rsli.com www.reliancestandard.com 800-351-7500 (ext 3696)

© Reliance Standard Life Insurance Co., 2012

This email is being sent to jesse@schaeferfinancialgroup.com. Use this link to be deleted or to update your email address Trouble with this link? simply forward this message to rem@partnerblast.com or call 773-470-0350. Reliance Standard Life Insurance Co. | Reliance Standard Life Insurance Co. | 2001 Market Street | Philadelphia, PA 19103

 

New Life Insurance Policy Review Kit

 

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Highlight the effects of inflation and offer a solution A fixed index annuity, such as the industry-leading Allianz MasterDex X® Annuity with the Simple Income III Rider (available at an additional cost), can help protect your clients’ retirement income from the eroding effects of inflation. Use our popular inflation sales tool to show them how.   Create new opportunities with our new Life Insurance Policy Review Kit Conducting annual policy reviews is a great way to build stronger client relationships, find new sales opportunities, and obtain new referrals. Our updated Life Insurance Policy Review Kit gives you all the tools you need to conduct an annual review with your clients. › Learn more   Life Insurance   New sales idea shows your clients the power of annual reset With fixed index universal life insurance policies, once interest is locked in, it can never be lost due to market volatility. › Learn more   Life Insurance “Protection with potential” sales ideas Allianz Life Pro+® Fixed Index Universal Life Insurance Policy offers your clients a choice of index allocation options that provide downside protection with upside potential through indexed interest. › Continue reading   Fixed Annuities   What if you had access to … … the best practices of some of the industry’s top FIA producers? You might be surprised to know that you already do! Our professionals on the FASTeam work with top producers every day, exchanging sales strategies and best practices. Call the FASTeam at 800.950.7372 and talk to one of our sales consultants today.   Keep your marketing materials current As a reminder, marketing material may get updated throughout the year for a variety of reasons. Please be sure to check the website or call the FASTeam at 800.950.7372 to ensure you are using the most current versions.   Other Things to Know   Advanced Markets support for you Experienced attorneys, CPAs, and ChFCs who specialize in taxation, retirement strategies, and life insurance techniques are just a phone call away to assist you with complicated advanced markets questions and case design. › Discover the value of Advanced Markets. The Advanced Markets consultants do not provide tax or legal advice. Please have clients consult with their tax advisor or attorney.   Rate Watch › Rate Watch for Annuities (414KB PDF) › Rate Watch for Life Products (279KB PDF) › Rate Watch for Multi-year Guarantee Annuities (266KB PDF) The Rate Watch is also available 24 hours a day from the Allianz website. Please Note: FIA and life interest rates are declared on the first Tuesday of each month. MYGA rates may change weekly. We will notify you when changes to those rates occur. This Rate Watch reflects the most recent interest rate updates and should replace any previous version you have printed or downloaded. If you have any questions, please call the FASTeam at 800.950.7372. Thank you for your business!   Allianz in the News   Webinars   New! Advanced Policy Loan Strategies webinar Show your clients how fixed index universal life (FIUL) insurance policies can give them the coverage they need, and provide solutions for a variety of financial needs. › Register or learn more   Exclusive webinar: An Advanced Look Behind the Scenes Join our webinar on June 14 to hear about our competitive fixed index universal life insurance products and our position in the marketplace. › Register or continue reading   Over 115 years. Still going strong. www.allianzlife.com/strength    This newsletter may periodically provide you with links to outside articles and websites. Please note that the information and opinions included in these links are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Allianz Life Insurance Company of North America. Financial Professionals should ensure they continue to follow Allianz’s current policies on the use of any advertising, third-party materials and/or social media. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Products are issued by: Allianz Life Insurance Company of North America 5701 Golden Hills Drive, Minneapolis, MN 55416-1297 CONFIDENTIALITY NOTICE: The information in this email may be confidential and may be legally privileged. It is intended only for the use of the individual(s) named above. If you are the intended recipient, be aware that your use of any confidential or personal information may be restricted by state and federal privacy laws. If you, the reader of this message, are not the intended recipient, you are hereby notified that you should not further disseminate, distribute, or forward this email. If you have received this email in error, please notify the sender and delete the message. Thank you. For financial professional use only – not for use with the public. Product and feature availability may vary by state and broker/dealer.