American Equity Rate Change Effective December 5th, 2012

 

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.

 

 This e-mail, including attachments, is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, is confidential, and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, and then please delete it. Thank You.

Oxford Annuity Rates December 2012

 

Can't see this email? Click here to view it in your browser.

 

Annuity Rates for December 2012   There are no changes to our annuity rates from November. Oxford Life® annuity rates for December will be:   Oxford Life Royal SelectTM Interest Rates Optional GLWB Fixed Acc. Annual Pt to Pt Cap Monthly Avg Cap Income Acc. Rate 1.25% 2.35% 2.35% 7.00% Oxford Life Income ProtectorTM Interest Rates Rate Band Years 1-5 Income Acc. Rate Years 1-5 $25,000-$350,000 2.00% 7.00% $10,000-$24,999 1.50% 6.50%   Rates are subject to change. Please contact Oxford Life for current rates. AN217P3 FOR PRODUCER USE ONLY - Not intended for soliciting or advertising to the public. © OLIC 2012 Rev.11-2012 2721 North Central Avenue - Phoenix, Arizona 85004 - 1-800-308-2318

---

This email was sent to julie@schaeferfinancialgroup.com
You are receiving this email because you are registered with Oxford Life Insurance Company to receive this mailing. To manage your subscription preferences, or to remove your email address from our list, please do not reply to this email since it will only delay your request. Instead, please use the link below to process your subscription and removal requests.
preferences

Oxford Life Insurance Company
2721 N. Central Ave.

Phoenix, AZ 85004
US

Preserve Multi-Year Guaranteed Annuity - Interest Rates Will Hold Steady for the Month of December

 

Preserve Multi-Year Guaranteed Annuity Download the interest rate sheet We are pleased to announce that there will be no changes to the interest rates for the Preserve MYGA for the month of December, 2012. IMPORTANT: The 45-day rate lock will begin at the time the application is received and is held for 45 calendar days. Please contact Marketing Support at 800 767 7749 or email us for questions or assistance. We appreciate your business and thank you for your continued support.

 

If you no longer wish to receive email updates from us, click here to UNSUBSCRIBE For Agent Information Only. Not Intended for Solicitation or Advertising to the Public. Guggenheim Partners, LLC is a global, independent, privately held, diversified financial services firm. For more information visit guggenheimpartners.com. This email is being sent to you by: Guggenheim Life and Annuity Company 401 Pennsylvania Parkway, Suite 300 Indianapolis, IN 46280 Phone: 800 767 7749 Fax: 317 574 6278

ATHENE Benefit 10 Available in OH, NC, NV, NH

 

 

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 November 15th, 10:00am (CST) November 27th, 2:00pm (CST)   Call us 855-4-ATHENE   Email us salesdesk@athene.com       Expanded Availability! We're pleased to announce that producers in Nevada, New Hampshire, North Carolina and Ohio now have access to today's "must-have" FIA - ATHENE Benefit 10sm with Enhanced Benefit Rider!   FIVE benefits, ONE remarkable rider 1.     Guaranteed Lifetime Withdrawal Benefit 2.     Enhanced Lifetime Withdrawal Benefit (ADL triggered) 3.     Confinement Benefit 4.     Terminal Illness Benefit 5.     Death Benefit Important Notice All agents must complete product specific training prior to soliciting this product. ATHENE Benefit 10 product specific training      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 ✓   Rider charge true-up ✓   6% upfront commission with an additional 1% in years 2 and 3 (6-1-1) ATHENE Benefit 10 Product Info Spec Sheet Consumer Brochure Current Interest Rates State Availability      Special Incentive Program Offer: 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. See commission schedule supplement for details.    Get contracted to sell ATHENE Benefit 10    ·         All agents must complete product specific training prior to soliciting ATHENE Benefit 10. You may complete this online training now. ·         For more information visit our Sales Resource Center.    To learn more about 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. 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.

Personal Choice Annuity Rate Change- 5 Year Only

 

New Crediting Rates Take Effect November 22, 2012- Five Year Only   Dear Sentinel Annuity Agents,   Sentinel will experience a crediting rate change effective November 22, 2012. Please reference the attached rate sheet and the chart below to find out when new crediting rates take effect and how long an agent will have to submit applications at the current rate. You will also receive the agent communication so you are aware of what day it went out. Rates for the five-year product will drop by 15 basis points. Rates for the seven and ten-year products will remain unchanged.   New Crediting Rates as of November 22, 2012   All States (Except Florida & Minnesota) 5-Year             7-Year             10-Year 2.95 %             3.20%              3.45%   Florida Rates (Death Benefit Included in Rate) 5-Year             7-Year             10-Year 2.85 %             3.10 %             3.35%   Minnesota Rates (No Market Value Adjustments Applied) 5-Year             7-Year             10-Year 2.65 %             2.90 %             2.95 %   Nov. 22, 2012-Date When New Crediting Rates Take Effect Any applications signed on November 22, 2012 and later will receive the new crediting rates. Agents will need to update the Annuity Illustration Software through the Tools menu of that program.   Nov. 21, 2012-Date Applications Must be Signed (to receive current rates) Applications must be signed by November 21, 2012 or before to receive the current crediting rates.   Nov. 30, 2012-Date Application Must be Received in Home Office (to receive current rates) Applications signed by November 21, 2012 or earlier must be received in the Home Office by November 30, 2012 to receive the current crediting rates.   Jan. 4, 2013-Date 45-Day Rate Lock Ends All transfers and exchanges for any application signed on November 21, 2012 or earlier must be completed by January 4, 2013 in order to receive the current crediting rates.   We appreciate your continued support for the Personal Choice Annuity™ and Sentinel. We believe these rates are still very attractive and given the unique design of this product, will continue to offer some of the highest crediting rates available in the MYGA market.  Please click here for the updated rate sheet.   We look forward to our continued partnership. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~  Sentinel Security Life Insurance Company  PO Box 65478 Salt Lake City, UT 84165 800.247.1423    Administrative Office  2650 McCormick Drive  Clearwater, FL  33759   888.510.0668

 

Forward email This email was sent to jesse@schaeferfinancialgroup.com by marketing@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

RATE INCREASE: Effective November 8, 2012

 

 

 

Great News! Rates are increasing! Let us help you with your next fixed annuity case. Call our Marketing Support team for current product materials today or visit our website at www.nacannuity.com

LIMITED TIME OFFER - 4% Premium Bonus (Additional 1%) North American is offering a Premium Bonus special for the North American CharterSM 10, North American PrecisionSM 10, and North American Prizm Plus® 10 effective November 8, 2012. NOTE: This limited time Premium Bonus offer applies to the 10-year surrender charge period only.1 Please continue to use current marketing materials and disclosures.

 

Marketing Support | 866-322-7066 North American Annuity Service Center • 4350 Westown Parkway | West Des Moines, IA 50266

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Trouble viewing this message? View in web browser 1. Premium Bonus special reflects current information and is subject to change at any time. Products that have premium bonuses may offer lower credited interest rates, lower Index Cap Rates and/or lower Participation Rates than products that don't offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus may be offset by the lower interest rates, lower Index Cap Rates and/or lower Participation Rates. A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state. These products are issued by North American Company for Life and Health Insurance®, West Des Moines, IA. Product features and riders may not be available in all states. The North American CharterSM 10 annuity is issued on form LC/LS156A (certificate/contract), LR342A, LR398A and LR445A (riders/endorsements) or appropriate state variation. The North American PrecisionSM 10 annuity is issued on form LC/LS155A (certificate/contract), LR342A, LR398A and LR444A (riders/endorsements) or appropriate state variation. The North American Prizm Plus® 10 annuity is issued on form LC/LS160A (certificate/contract), LR432A, LR423A, LR424A, LR242A-1, LR426A, LR427A, LR428A, LR430A and LR433A (riders/endorsements), or appropriate state variation. North American cares about your privacy. You may view our complete privacy notice at our website, www.nacannuity.com. To stop receiving any further e-mail communications from North American, including rate announcements, regulatory, product and other important messages, you may unsubscribe here. To begin receiving e-mail messages, please contact Marketing Support at 866-322-7066. 12850Z-HTML | REV 11-08-12

PRODUCT ALERT: Florida, Here’s the MYGA You’ve Been Waiting For!

 

View this e-mail online.
About Us | Interest Rates | Products | Doing Business with Us | Contact Us
ATHENE MaxRatesm Coming to Florida!   Available in Florida November 7, 2012: ATHENE MaxRatesm. Your "go-to" MYGA when safety, reliability and accumulation matter most. Featuring some of the best guaranteed interest rates available. PLUS an Enhanced Liquidity alternative for clients who can accept a slightly lower rate in exchange for access to their money during the guarantee period.   IMPORTANT: Product-specific training Agents are strongly encouraged to complete product specific training prior to soliciting ATHENE MaxRate in Florida. The online training module is available on our website.   ATHENE MaxRate: product variations at-a-glance Most States   Florida Prior to the end of the guarantee period, clients have a 30-day window to request a partial withdrawal, full surrender or elect an income option without incurring MVA or withdrawal charges. If the company is not notified during the 30-day window, annuity automatically begins a new guarantee period of the same duration with a new guaranteed interest rate.   Walkaway: contract guarantee period is 5 or 7 years only; no subsequent guarantee periods Annuitization available after first contract year; income options based on surrender value (full accumulation value in CT) except during 30-day window prior to the end of the guarantee period when full accumulation value applies.   Annuitization at full accumulation value after first contract year Rates ATHENE MaxRate 5   2.75%   2.65% with Enhanced Liquidity   2.55%   2.45% ATHENE MaxRate 7   3.20%   3.10% with Enhanced Liquidity   2.95%   2.85%     Four reasons YOU should be selling ATHENE MaxRate: ✓ Guaranteed interest rates near the top of the market* ✓ 5 and 7 year durations ✓ Simple product, easy to understand and sell ✓ Available Enhanced Liquidity alternative     And more exciting news! ATHENE MaxRate EL, our enhanced   liquidity alternative, is now available in Connecticut!     For more information on ATHENE MaxRate, please contact:   Sales Desk   855-4-ATHENE ATHENE MaxRate Product Info Current Interest Rates Spec Sheet Consumer Brochure State Availability    *Rates subject to change at any time, normally monthly. Products/features may not be available in all states. These annuities contain limitations. See annuity contract for complete details. 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.

Allianz BLUE Weekly eNewsletter - November 6, 2012

 

BLUE eNewsletter › Trouble viewing? Click here.
Receive cash for Perk Points! With the holidays just around the corner, you have an opportunity to put some extra cash in your pocket. Our new Perk program enhancement allows you to redeem Perk Points for cash. Simply send in your completed Perk Points Invoice Reimbursement/Cash Request Form to get started. Questions? Call the FASTeam at 800.950.7372. Registered Representative participation is subject to broker/dealer approval. Allianz reserves the right to terminate, amend, or modify the Producer Perks program at any time.   Announcing the NEW Premium Deposit Fund Rider A feature that fuses simplicity with a single lump-sum payment. › Learn more   Monthly Market Update View this month’s commentary on market news, the economic outlook, and an overview of events that we feel will shape future trends. This opinion and commentary is provided by Allianz Investment Management LLC (AIM LLC), a wholly owned subsidiary of Allianz Life Insurance Company of North America, whose responsibilities include managing over $100 billion in the U.S. as of December 31, 2011. › Read the Monthly Market Update (1.5MB PDF)   Fixed Annuities   Allianz announces extension of annuity new business submission deadlines Client-focused change increases ease of doing business. Allianz Life Insurance Company of North America (Allianz) is committed to improving our customer experience during product and rate changes. Effective immediately, producers will now have five business days … › Read more   Life Insurance   A potential wealth transfer solution The Premium Deposit Fund Rider Do you have clients looking for a way to transfer wealth to beneficiaries on an income-tax-free basis? Or maybe they are looking for a means to pay for their life insurance policy in a single lump-sum payment, while still maintaining the tax advantages of a fixed index universal life insurance policy. Allianz Life Pro+® Fixed Index Universal Life Insurance Policy with the optional Premium Deposit Fund (PDF) Rider can help address these wealth transfer concerns. › Learn more about PDF   Other Things to Know   Converting a traditional IRA to a Roth IRA? 2012 may be a good year to do so If you have a client considering converting their traditional IRA to a Roth IRA, 2012 may be a good year to do so. Income tax rates will increase in 2013 if Congress does not act to keep them the same. In addition, starting in 2013, investment income will be subject to a new 3.8% Medicare surtax (when total income exceeds $200,000 for single filers, $250,000 for married filing jointly, or $125,000 for married filing separately). › Learn more about the 2013 3.8% Medicare surtax › Learn more about Roth IRA conversions   Rate Watch – New for November › Rate Watch for Fixed Index Annuities – NEW (378KB PDF) › Rate Watch for Life Products – NEW (266KB PDF) › Rate Watch for Multi-year Guarantee Annuities (260KB 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   Exclusive webinar: Funding executive compensation strategies with life insurance Thursday, November 8 at 2:00 p.m. Central time Find out how life insurance can play a key role in an executive compensation strategy. › Register today for our exclusive Web seminar or continue reading.   Exclusive webinar: Funding business continuation strategies with life insurance Thursday, November 29 at 2:00 p.m. Central time Do your clients have a business continuation strategy in place? Find out how life insurance may help ensure the continuation of their business. › Register today for our exclusive Web seminar or continue reading   Over 115 years. Still going strong. www.allianzlife.com/strength    CPCs listed are based on annual sales of Allianz fixed annuities, fixed index annuities, and life insurance. It does not include Allianz Life Insurance Company of NY products or variable annuities. Please note that not all CPCs are eligible for Perk Points. 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.