Eleos - Great 5 Year CD Alternative!

 

 

3.00% First Year Interest Rate 2.00% Base Rate 3.25% Commission ** 10% Free Withdrawal Available Immediately 5-Year Surrender Charge (8, 7, 6, 5, 4, 0) plus or minus MVA 1.0% Minimum Guaranteed Interest Rate Years 2+   Full Account Value Paid at Death Hospital, Nursing Home & Custodial Care Confinement Waiver 14 Year History of Renewal Rate Integrity To find out more about the Eleos-MVA, contact Reliance Standard Life's Annuity Sales Desk: 800.351.7500 x3666  or via email at: annuity.marketing@rsli.com www.reliancestandard.com Issued by Reliance Standard Life Insurance Company Home Office: Chicago, Illinois Administrative Office: Philadelphia, Pennsylvania. Policy Form # RSL-8336-1004, LRS-9348-0805, RSL-8338-1004, RSL-9200-0904. For education of producers/agents only and not intended for public distribution. Policy not available in all states. For complete details and descriptions of all benefits and features, please refer to the policy. Rates current 5/30/12 an and subject to change.       **Commission shown for Age 0-75, reduced 20% age 76-80 and 40% age 81-85. See commission schedule for full details. The Leading Annuity Producer Incentive Program 30 This email is being sent to john.welsh@rsli.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

 

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Athene Annuity Announces July Interest Rates

 

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We are pleased to announce that we have increased new money rates on our ATHENE 7MYG multi-year guarantee annuity by 20 basis points for the month of July, accompanied by modest reductions on our MaxRate 5 and 7-year products. We are also keeping caps and rates on our ATHENE Choice Series FIAs and income riders near the top of the market. We remain focused on providing your clients with security and value despite a persistent environment of historically low interest rates.

ATHENE Choice Series Fixed Index Annuities1 Immediate Premium Bonus Fixed Account Year 1 Fixed Account Years 2-8 AP2P Cap (S&P 500) 1-Year MP2P Cap (S&P 500) 1-Year QP2P Cap (DJIA) 1-Year MAVG Cap (DJIA) Enhanced Choice 8 2.00% 2.90% 1.90% 5.50% 2.75% 2.50% 5.00% Choice 10 N/A 3.40% N/A 5.50% 3.25% 2.75% 5.00% Enhanced Choice 12 5.00% 2.65% 1.65% 5.00% 2.50% 2.25% 5.00%   ATHENE Income Riders   Income Bonus Rollup Percentage Rollup Period Rider Cost Guaranteed Lifetime Withdrawal Benefit Rider 1.00% 7.00% 10 Yrs 1.25% Enhanced Guaranteed Lifetime Withdrawal Benefit Rider 1.00% 7.00% 10 Yrs 1.50%   ATHENE Traditional Multi-Year Guarantee Annuities   Guarantee Period (Yrs) Yr 1 Rate Yrs 2-7 Rate Effective Annual Rate 7 MYGA 7 3.65% 2.65% 2.79%   ATHENE MaxRate Multi-Year Guarantee Annuities   Guarantee Period (Yrs) Yr 1 Rate Yrs 2-5 Rate Yrs 2-7 Rate Effective Annual Rate MaxRate 5 5 3.70% 2.70% N/A 2.90% MaxRate 7 7 4.00% N/A 3.00% 3.14%     To obtain the current Athene MaxRate MYG rates, complete application packages in good order must be signed and dated June 29, 2012 or earlier and received in our service center by Friday, July 6, subject to our normal rate hold procedures. New rates take effect on 7/2/12. Applications may be submitted by overnight mail to the following address: Athene Annuity & Life Assurance Company 6425 Powers Ferry Road, Suite 300 Atlanta, GA 30339     For more information on our annuities and income riders, please contact our Sales Desk at 855-4-ATHENE   * Non-guaranteed new money interest rates, cap rates and spread fees are subject to change at any time, normally monthly. Products/features may not be available in all states. These annuities contain limitations. See annuity contracts for complete details. (1)Choice Series: annual point-to-point (AP2P) cap will never be less than 2%. 1-year monthly point-to-point (MP2P) cap will never be less than 0.5%. 1-year quarterly point-to-point (QP2P) cap will never be less than 1%. 1-year monthly average cap will never be less than 5%. For new issues, a minimum guarantee of 1.00% currently applies to the Fixed Account until the end of the surrender charge period. The contracts' cash surrender value will never be less than 87.5% of the premium payment, less any premium taxes (if applicable) and withdrawals plus interest earned at 1%. Dow Jones Industrial Average℠ is a service mark of Dow Jones & Company, Inc. Standard & Poor's 500® is a trademark of The McGraw-Hill Companies. Both have been licensed for use for certain purposes by Athene Annuity & Life Assurance Company. Annuities are not sponsored, endorsed, sold or promoted by Dow Jones or Standard & Poor's and Dow Jones and Standard & Poor's make no representation regarding the advisability of purchasing these annuities.   AN0006 (R07-12)

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Reliance Standard - Minimum Guaranteed Rates for Q3 2012

 

2012 3rd Quarter Minimum Guaranteed Interest Rates     Apollo & Eleos Products The minimum guaranteed interest rate for all new Apollo and Eleos contracts will remain at 1.00% for the 3rd Quarter of 2012. The minimum guaranteed interest rate at the time of issue will remain in effect for the life of the policy. Keystone-5, -7, and -10 Products For 3rd Quarter 2012 issues, the Guaranteed Minimum Annuity Value for the Keystone-5, Keystone-7, and Keystone-10 contracts will remain at 100% of premium accumulated at 1.00%.  The Minimum Contract Value will remain at 87.5% of premium accumulated at a Non-forfeiture rate of 1.00%. We will continue to declare the Minimum Guaranteed Interest Rate on a quarterly basis for products filed under the indexed standard non-forfeiture law (Apollo, Eleos, and Keystone products). Increases or decreases in the rates will be dependent upon market conditions, and will be no lower than the 6-month average of the 5 year Treasury Yield minus a spread of 1.25% for fixed rate products or 2.25% for index products (or 1% if greater, and no higher than 3%.) While minimum guaranteed rates are remaining the same for the upcoming quarter, please keep in mind for future changes that the 45-day rate lock is extended only to interest rates, and does NOT apply to minimum guaranteed rates. Should you have any questions, please feel free to contact the Annuity Sales Desk.            Reliance Standard Life Insurance Company 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

 

FW: Bulletin - New Annuity Rates

 

 

From: Oxford Life Insurance Company [mailto:marketing@oxfordlife-email.com]
Sent: Friday, June 01, 2012 5:45 PM
To: julie@schaeferfinancialgroup.com
Subject: Bulletin - New 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 11th , 2012 *
Dear Valued Oxford Life Producer, Last month, we communicated details on why we made "mid-month" rate changes to our annuity products. As a follow up, we'd like to further explain those changes, some additional adjustments coming in June and July and more specifically, why they are relevant for the current rate environment. If you recall, in our last letter we made you aware that interest rates were at lows not seen since the 1940s. Who could have imagined that in the short period of time since that statement, rates would decline to levels NEVER BEFORE SEEN! As of the date of this letter, the 10-year United States Treasury Note is trading at 1.45%. To give you an idea of how drastic this rate decline has been, the 10-year Note closed March 30th at 2.23%. Because of this record low interest rate environment, Oxford Life will be making changes to our annuity products effective as outlined below. These actions are being taken to help Oxford Life maintain our financial strength and to keep our promises to our current and future policy holders. We appreciate your continued support of Oxford Life and want to assure you that we remain committed to providing quality, competitive products for your clients. EFFECTIVE 6/11/12 Oxford Life Income Protector™ Low Band $10,000 - $24,999 From 2.00% to 1.25% High Band $25,000 - $350,000 From 2.40% to 1.75% Oxford Life Bonus Ten™ Fixed Rate Strategy From 1.25% to 1.00% Monthly Average Annual Reset Cap From 2.75% to 2.00% Annual Point to Point Annual Reset Cap From 2.75% to 2.00% To take advantage of our rate hold policy, applications or faxed copies of applications/checks/transfer forms must be received in our home office by 6/10/12. EFFECTIVE 7/1/12 The payout factors for the Guaranteed Lifetime Withdrawal Benefit (GLWB) rider on the Bonus Ten and the Income Protector have been changed to the rates shown below. Attained Age 50-54 55-59 60-64 65-69 70-74 75-79 80+ Single Payout 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% 6.00% Joint Payout 2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% We are pleased to announce that also effective 7/1/12, the Bonus Ten FIA will be available for sale in Pennsylvania, New Jersey, Missouri and Washington. Brochures and applications will be available shortly. We truly appreciate your hard work, dedication and continued partnership. While decisions like these are never easy, they are necessary for us to remain competitive in this historic low interest rate environment. Thank you again for your support. Sincerely, Mark Haydukovich President and CEO Michael A. Quaranta VP & Chief Marketing Officer
AN104P FOR PRODUCER USE ONLY - Not for solicitation or distribution to the public. © OLIC 2012 Rev.6-2012

 

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Oxford Life Insurance Company
2721 N. Central Ave.

Phoenix, AZ 85004
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