Income-For-Life Rider Modified & Certainty Select Rates Changed - Effective 11/1

 

Income For Life Rider Changes And Rate Change on Certainty Select Effective 11/1/12 EquiTrust announces modifications to Income For Life, the income benefit rider available on fixed index annuities, and a rate change on Certainty Select MYGA. Income For Life Changes For Applications Received 11/1/12 and later • The Benefit Base rollup rate will be 6.5% • The Benefit Base rollup period maximum will be 15 years The Benefit Base is a calculation used to determine payout amounts available with the rider. The Benefit Base does not impact the annuity's Accumulation Value. Still a highly competitive income rider! • Available on all index annuities • Income available after 2nd year and age 50 • Guaranteed income for life – without annuitizing • Start and stop payments as needed • Annual fee of 0.50% of Accumulation Value • Payments continue even if Accumulation Value is depleted The Longer You Wait to Begin Payments, The Greater The Income $100,000 Premium Annual Income Withdrawal Starting After: Age At Issue 2 Years 5 Years 10 Years 15 Years 60 $5,104 $6,850 $10,324 $15,431 65 $5,671 $7,535 $11,263 $16,717 70 $6,238 $8,221 $12,201 $18,003 75 $6,805 $8,906 $13,140 $19,289 Transition Rules • Applications received on or after 11/1/12 in which rider is elected will require new rider disclosure dated 11-12. • Applications pending on 11/1/12 will receive the former rollup rate and rollup period: 7% for 20 years. Sales Materials • Client Brochure • Agent Guide • Client Flyer • MarketTwelve Bonus Example • MarketBooster Bonus Example Certainty Select Rate Change – Effective 11/1/12 Click here to see the All Product Summary dated November 1, 2012 for all EquiTrust annuity products. Daily updates of the All Product Summary are available on the EquiTrust Agent Website at Agents.EquiTrust.com > Fixed Annuities, and click on the "Products" link. Current rates are applied to business received on or before Wednesday, October 31, 2012, subject to a 60-day rate hold. Please note: Faxed applications must be received at EquiTrust by 5:00 PM (Central) on Wednesday, October 31, 2012 AND ORIGINAL application paperwork must be received by Thursday, November 1. Questions? Send an email to EquiTrust Sales Support, call 866-598-3694, or visit our website Agents.EquiTrust.com. Remember! Our address has changed! Please use the following addresses: Standard Mail: EquiTrust Life Insurance Company P.O. Box 14500 Des Moines, IA 50306-3500 Overnight: EquiTrust Life Insurance Company 7100 Westown Pkwy Suite 200 West Des Moines, IA 50266-2521     Rider provisions and availability may vary by state. Rider issued on Form Series ICC11-ET-IBR-B(11-12) or ET-IBR(06-08). EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. AC12-ETL-ECN-1108

 

Sent to:jesse@schaeferfinancialgroup.com If you prefer not to receive future e-mails of this type, click here

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.

 

 

Commissions Increasing October 8!

 

 

From: Annuity.Services@forethought.com [mailto:Annuity.Services@forethought.com]
Sent: Friday, October 05, 2012 3:25 PM
To: JESSE@SCHAEFERFINANCIALGROUP.COM
Subject: Commissions Increasing October 8!

 

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

 

Forethought Financial Group, Inc. is a leader in the delivery of innovative and financially sound life insurance and retirement services products. We want to be your choice for annuities, preneed and final expense life insurance. If you have suggestions on helping us earn your business, please contact Mike Ebmeier, Senior Vice President, Annuities, at mike.ebmeier@forethought.com.

Rates Click here to view the rate sheet State Availability Click here for the state approval matrix New Customer Survey Included with Contracts     Forethought Life Insurance Company (Forethought) values the relationships it has created with its producers and each customer we share. We are committed to customer satisfaction and upholding all compliance rules and regulations in order to maintain that trust and confidence.   The Suitability in Annuity Transactions Model Regulation (2010 revisions) requires that insurance companies maintain reasonable procedures to detect annuity recommendations that are not suitable, including confirmation of suitability, customer surveys, interviews and confirmation letters. To that end, Forethought has created a customer survey to ensure annuity sales are in compliance with our standards for suitability. This survey will be mailed to all annuity customers with their annuity policy.  The survey asks questions about the client's satisfaction with the sales process and monitors their understanding of the product they purchased. This completed survey will be scanned and reviewed before being attached with the customer's file.   Forethought values integrity above all else, and we believe satisfied customersand advisors will drive our success.   Effective October 1 New REQUIRED Form for Income Bonus Products Income Bonus Statement of Understanding   A new form is required for Forethought's income bonus products, Income 125, Secure Income 125 and Index Bonus 115.  The Income Bonus Statement of Understanding is now included with the Annuity Suitability Questionnaire and Acknowledgement when downloading or ordering forms for these particular products. The form is an official requirement effective October 1, 2012, meaning any applications received without the form will not be processed. If you have any questions, please contact Forethought's sales desk at 855-44 SALES (447-2537).       Avoid Delays or Rejections due to Suitability The Pre Suitability Review Form enables agents to provide Forethought's suitability department information ahead of submitting the client's application. We can help determine whether we will accept or reject a case. The Pre Suitability Review Form can save time by streamlining the review process. Commission Changes in Ohio Effective 10/8/2012 Ohio Moves to "70/10"   Because of the new Annuity Nonforfeiture regulation adopted by Ohio, all annuity sales in the state of Ohio on or after 10/8/2012 must be 70/10 compliant with a 10-year declining withdrawal charge schedule.  At Forethought, the impact is on the Index Bonus 115, Income 125 and Secure Income 125 products which will each have a reduced withdrawal charge schedule and reduced commissions.  Bonus Advantage is already compliant with the Annuity Nonforfeiture regulation and will not be affected. Commissions will not be reduced for any applications, cash with app or transfer, received in good order by close of business 10/5/2012.  Applications received on or after 10/8/2012 will be issued with commission reduced by 1%. Annuity Model Regulation Training Now at RegEd   Forethought Agents should now go to RegEd for product specific training. Please note that if you do not already have one, you will need to create a username and password with RegEd.  You can register with RegEd by following the attached link: https://secure.reged.com/TrainingPlatform/ Contact Forethought's Marketing Support Team at 1-855-44SALES (855-447-2537) © 2012 Forethought   Products are issued by: Forethought Life Insurance Company 300 N. Meridian Street, Ste. 1800 Indianapolis, IN 46204    Products and features are subject to state availability. Guarantees are backed by the financial strength and claims-paying ability of Forethought Life Insurance Company.    www.forethought.com FOR AGENT USE ONLY - NOT FOR USE WITH CONSUMERS

This email was sent to: JESSE@SCHAEFERFINANCIALGROUP.COM This email was sent by: Forethought Financial Group, Inc. Corporate Office, 300 N Meridian, Suite 1800, Indianapolis, IN 46204 We respect your right to privacy - view our policy
Manage Subscriptions | Update Profile | One-Click Unsubscribe

 

Could you use an extra $1,000?

 

View this e-mail online.

NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES.   A Great New Product. A Sweet Sales Incentive.   A few days ago we launched ATHENE Benefit 10sm - a fixed index annuity paired with a remarkable new Enhanced Benefit Rider that delivers not one, not two, but five benefits in one flexible solution. Now, how about $1,000 to get the sales ball rolling? To celebrate the launch of ATHENE Benefit 10, we're paying agents a 1% cash incentive when they hit $100,000 in paid/issued premium between now and December 31, 2012. That's a sweet $1,000 over and above your commissions ... just in time for the holidays! Download our Q4 Cash Incentive Program flyer to learn more. And start selling ATHENE Benefit 10 with Enhanced Benefit Rider today!

This e-mail was sent to: JESSE@SCHAEFERFINANCIALGROUP.COM



This e-mail was sent by: Athene Annuity & Life Assurance Company
2000 Wade Hampton Blvd.
Greenville, SC, 29615, USA

Manage Subscriptions to tell us what types of emails you'd like to receive.
Update Profile to let us know your product preferences or unsubscribe from ALL Athene Annuity e-mail lists.

NOW AVAILABLE: New FIA/Rider Combo Delivers 5 Benefits in One Flexible Solution

 

View this e-mail online.

About Us | Interest Rates | Products | Doing Business with Us | Contact Us

Register For The Webinar   ATHENE Benefit 10 and Enhanced Benefit Rider: Tools For Retirement October 2nd, 2:30pm (CST) October 9th, 2:30pm (CST)   Call us 855-4-ATHENE   Email us salesdesk@athene.com     Now Available!     ATHENE Benefit 10SM with Enhanced Benefit Rider. A fixed index annuity paired with a remarkable new rider that delivers not one, not two, but five benefits in one flexible solution. It's a refreshingly practical approach to retirement income planning.   Five tools to build a more secure retirement. 1.     Guaranteed Lifetime Withdrawal Benefit 2.     Enhanced Lifetime Withdrawal Benefit (ADL triggered) 3.     Confinement Benefit 4.     Terminal Illness Benefit 5.     Death Benefit ATHENE Benefit 10 Product Info Spec Sheet Consumer Brochure State Availability      All five benefits are funded from a single benefit base. Use one benefit, or use all five ... the entire benefit base will be paid!*      PLUS ✓   Benefit Builder - Simple interest rollup applied annually to benefit base until age 85 or when benefits are taken ✓   Early income bonus ✓   10 year surrender charge period ✓   6% upfront commission with an additional 1% in years 2 and 3 (6-1-1) Important Notice Agents must complete product specific training prior to soliciting this product. ATHENE Benefit10 product specific training      Q4 Cash Incentive Program: your agents can earn an extra $1,000 when they start selling ATHENE Benefit 10 with Enhanced Withdrawal Rider today!    From October 1 through December 31, 2012, agents will receive an extra 1% incentive once they've hit $100,000 in paid/issued premium. A commission schedule supplement will be sent to you shortly. A flyer has been developed to announce the program.      ✓ In other words, 9% on their first $100,000 (7-1-1) through year-end!   ATHENE Benefit 10sm Interest Rates (as of October 1, 2012) Fixed Account (Years 1-5) AP2P Cap (S&P 500) MP2P Cap-Addictive (S&P 500) 1.45% 3.15% 1.80% Enhanced Lifetime Benefit Rider Premium Bonus (10-yr vesting period) Rollup Percentage Rider Cost 6.00% 8.00% 1.40%      Athene Annuity. Refreshingly Focused. Refreshingly responsive.    At Athene Annuity, fixed annuities are our specialty. We're committed to providing high-value products that offer opportunities for competitive tax-deferred growth and a dependable income in retirement.    Setting up agents to do business with Athene Annuity.    ·         All agents must complete product specific training prior to soliciting ATHENE Benefit 10. ·         Athene Annuity practices just-in-time (JIT) appointment and pre-contracts producers and agencies. For more information visit our Sales Resource Center.    For more information on ATHENE Benefit 10 with Enhanced Benefit Rider, please contact: Sales Desk 855-4-ATHENE    *When Death Benefit is paid over a five-year period. Issued by Athene Annuity & Life Assurance Company, Wilmington, DE. Product/features may not be available in all states. Contract contains exclusions, limitations and charges. See annuity contract for complete details. Standard & Poor's 500® is a trademark of The McGraw-Hill Companies. It has been licensed for use for certain purposes by Athene Annuity & Life Assurance Company. Annuities are not sponsored, endorsed, sold or promoted by Standard & Poor's, which makes no representation regarding the advisability of purchasing these annuities. FOR PRODUCER USE ONLY. NOT FOR CONSUMER SOLICITATION.

This e-mail was sent to: JESSE@SCHAEFERFINANCIALGROUP.COM



This e-mail was sent by: Athene Annuity & Life Assurance Company
2000 Wade Hampton Blvd.
Greenville, SC, 29615, USA

Manage Subscriptions to tell us what types of emails you'd like to receive.
Update Profile to let us know your product preferences or unsubscribe from ALL Athene Annuity e-mail lists.