Personal Choice Annuity Rate Change- 5 Year Only TODAY May 22, 2013

 

New Crediting Rates Take Effect TODAY May 22, 2013 - Five Year Only    Dear Sentinel Annuity Agents,   This is just a reminder of today's change in our crediting rate for the 5 year Personal Choice Annuity. Rates for the seven and ten year products will remain unchanged. You will need to perform a manual interest rate update by clicking on "Tools" and choosing "Manual Interest Rate Update" from the dropdown menu inside of the illustration software.   New Crediting Rates as of May 22, 2013   All States (Except Florida & Minnesota) 5-Year             7-Year             10-Year 2.85 %             3.20%              3.45%   Florida Rates (Death Benefit Included in Rate) 5-Year             7-Year             10-Year 2.75 %             3.10 %             3.35%   Minnesota Rates (No Market Value Adjustments Applied) 5-Year             7-Year             10-Year 2.55 %             2.90 %             2.95 %   Click Here for the current Rate Sheet   May 22, 2013-Date When New Crediting Rates Take Effect Any applications signed on May 22, 2013 and later will receive the new crediting rates. Agents will need to update the Annuity Illustration Software through the Tools menu of that program.   May 21, 2013-Date Applications Must be Signed (to receive current rates) Applications must be signed by May 21, 2013 or before to receive the current crediting rates.   May 30, 2013-Date Application Must be Received in Home Office (to receive current rates) Applications signed by May 21, 2013 or earlier must be received in the Home Office by May 30, 2013 to receive the current crediting rates.   July 4, 2013-Date 45-Day Rate Lock Ends All transfers and exchanges for any application signed on May 21, 2013 or earlier must be completed by July 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.     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

 

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Rollup Rate Change On the Way - Act Now to Lock In Today's Great Rates!

 

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Important Notice Rollup Rate Change Effective June 1, 2013 ATHENE Choice Series Income Riders (GLWB and Enhanced GLWB) Current Rollup Rate: 6.50% Effective 6/1/13: 6.00% ATHENE Benefit 10sm Enhanced Benefit Rider Current Rollup Rate: 8.00% Effective 6/1/13: 7.50% Hurry ... on June 1 we're reducing the rollup percentage on our ATHENE Choice Series Income riders and ATHENE Benefit 10 Enhanced Benefit Rider by 50 basis points in response to today's persistently low interest rate environment. Take action today to secure our current rates for your clients! Visit our Sales Resource Center now for product info and availability. Current interest rates dictate the reserves insurance companies must maintain for future obligations they expect to pay to customers, including withdrawal benefits. Reserve requirements for 2013 are determined by rates in the corporate bond market for the 12-month period ending this June. Rates have declined to date and we do not expect significant improvement for the remainder of the period. Conservatively managing this risk protects our business and is a clear signal of our long-term commitment to our customers. Remember, this rollup rate reduction takes effect June 1. To receive the current rate, complete application packages must be signed and dated 5/31/12 or earlier and received in good order in our service center by June 7, 2013. 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 income riders and annuities, please contact out Sales Desk at 855-4-ATHENE   The GLWB and EGLWB riders are optional benefits that can be included with the ATHENE Choice Series of fixed index annuities. The Enhanced Benefit Rider is included with the ATHENE Benefit 10 fixed index annuity and must be purchased with the base product. Riders cannot be purchased alone or after an annuity has been issued. Products/features may not be available in all states. These annuities contain exclusions, limitations and charges. See contracts for complete details.   FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES.

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Sentinel Personal Choice Annuity Rate Change- 5YR Only

 

New Crediting Rates Take Effect May 22, 2013 - Five Year Only   Dear Sentinel Annuity Agents,   Sentinel will experience a crediting rate change effective May 22, 2013. Please reference the chart below to find out when new crediting rates take effect and how long you will have to submit applications at the current rate. Rates for the five-year product will drop by 10 basis points. Rates for the seven and ten-year products will remain unchanged.      New Crediting Rates as of May 22, 2013   All States (Except Florida & Minnesota) 5-Year             7-Year             10-Year 2.85 %             3.20%              3.45%   Florida Rates (Death Benefit Included in Rate) 5-Year             7-Year             10-Year 2.75 %             3.10 %             3.35%   Minnesota Rates (No Market Value Adjustments Applied) 5-Year             7-Year             10-Year 2.55 %             2.90 %             2.95 %   May 22, 2013-Date When New Crediting Rates Take Effect Any applications signed on May 22, 2013 and later will receive the new crediting rates. Agents will need to update the Annuity Illustration Software through the Tools menu of that program.   May 21, 2013-Date Applications Must be Signed (to receive current rates) Applications must be signed by May 21, 2013 or before to receive the current crediting rates.   May 30, 2013-Date Application Must be Received in Home Office (to receive current rates) Applications signed by May 21, 2013 or earlier must be received in the Home Office by May 30, 2013 to receive the current crediting rates.   July 4, 2013-Date 45-Day Rate Lock Ends All transfers and exchanges for any application signed on May 21, 2013 or earlier must be completed by July 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.     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

 

 

 

American Equity Lifetime Income Rate Change - Effective June 3rd, 2013

 

 

DATE: May 7th, 2013 TO: All American Equity NMOs and Agents FROM: Jessica Kilker, Assistant Vice President - Marketing Services RE: Lifetime Income Rate Change - Effective June 3rd, 2013 Important Information - Please Read Carefully! Please note the following changes for applications received after May 31st, 2013: To receive the Current 6.5% or 4.5% Income Account Value (IAV) Rates and fees, original applications must be accompanied by either cash or 1035/Direct Transfer paperwork and must be received in our office by 1:00pm CT on Friday, May 31st. No faxes will be accepted. Applications received in our office after May 31st, 2013 will receive the new IAV Rates and Fee Rates. NO EXCEPTIONS! The IAV Periods will not change. For the Lifetime Income Benefit Rider (ICC13 R-LIBR.1* / LIBR-2010*), the IAV Period is 10 years and the Reset will be between the 5th and 10th Contract Anniversaries; with 20 year maximum. For the F-LIBR-09, the IAV Period is an automatic 20 years with no Reset. Compound vs. Simple Interest - American Equity uses compound interest to compute the IAV. Many Income Riders available on the market use Simple Interest. Don't be misled by IAV Rates when comparing Income Riders, check to see how interest is calculated and credited to the IAV. American Equity continues to offer Level and Increasing Payment Options. The increasing Payment Percentage will remain at 3%. American Equity's LIBR remains extremely competitive in the income planning marketplace. IAV RATE CHANGES:

CURRENT IAV RATE NEW IAV RATE Lifetime Income Benefit Rider (Age 50+) 6.50% (0.60% Fee) 6.50% (0.75% Fee) Lifetime Income Benefit Rider/ No Fee 4.50% (No Fee) 4.00% (No Fee) LIBR w/Enhanced Death Benefit 4.50% (0.70% Fee) 4.00% (0.70% Fee) LIBR w/Wellbeing Rider 6.50% (0.75% Fee) 6.50% (0.85% Fee) F-LIBR-09* w/Fee (Age 50+) 6.50% (0.30% Fee) 6.50% (0.40% Fee) F-LIBR-09* w/ No Fee 4.50% (No Fee) 4.00% (No Fee)   As always, we appreciate your continued business and support! Please visit our website at www.american-equity.com or call our Marketing Department at 888-647-1371 for more information or to order supplies. *Form number and availability vary by state. Lifetime Income Benefit Rider (ICC13 R-LIBR.1 / LIBR-2010) issued by American Equity Investment Life Insurance Company, West Des Moines, IA. By choosing the 6.5% IAV Rate you will be charged a 0.75% annual fee from your contract value. 4.0% IAV Rate is available for all issue ages for no fee. 6.5% IAV Rate available for issue ages 50+. IAV only used to calculate lifetime income payments. Not part of underlying contract value or available in a lump sum. Interest grows until the earlier of payments beginning or the end of the IAV period. If payments not elected by 10th contract anniversary, growth of IAV will stop unless you elect to reset accumulation period. Claims paying ability based on the financial strength of American Equity. See brochure and disclosure for details. FOR MORE INFORMATION, CALL MARKETING 888-647-1371 www.american-equity.com | PO BOX 71216, DES MOINES, IA 50325 For Agent Information Only. Not for use in soliciting or advertising to the public LIBR Rate Change 5/7/2013

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Annuity News from Forethought - Rate Change Announcement

 

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Rates Click here to view the  current rate sheet State Availability Eff. 4/1/13 Click here for the state approval matrix Important News This Week Please note the following rate changes are effective Wednesday, May 15th. Index Bonus 115 Annual Point to Point Ultra Band: 3.00% High Band: 3.00% Low Band: 3.00% (no change) Income 125+ Annual Point to Point Ultra Band: 2.75% High Band: 2.75% Low Band: 2.75% Please refer to Forethought's Rate Lock Procedures for Fixed and Indexed Annuities for details.    To date, Income 125+ is available in:  AZ, AL, AR, CO, CT, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, MA, ME, MI, MO, MT, NE, NH, NJ, NM, NC, ND, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WV, WI, WY. Please reference the State Approval sheet for current state availability.    Income 125+ forms and marketing materials are available in these states through the Document Library, or logon to www.forethought.com to order new materials.    Selling Income 125+  As with all of our products, you must complete the required product training before selling. Newly contracted agents who have not completed any product training should go to RegEd to complete the required product training. For agents who have completed product training, for a limited time you can complete the Income 125+ training by simply reviewing the training presentation here.  Upon completion, reply to this email (annuity.services@forethought.com) with your name, agent number and statement that you completed the Income 125+ product training. If you have any questions, please contact Annuity Services at 877-244-7526 or simply reply to this email. RETIREMENT INCOME SOLVED  Index Bonus 115SM 15% income bonus on initial premium received (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender and does not apply to Contract Value or death benefit)1 Guaranteed 6% annual accumulation on the Income Account Value each contract anniversary for the first 10 years, or until income benefit is activated if earlier (Not applied to the Contract Value or death benefit) Grow total death benefit up to 200% of premium less withdrawals (or until age 85, whichever comes first)2 with the Optional Increased Death Benefit Guarantee Rider Guaranteed income for life even if your Contract Value falls to zero after income activation3 Get everything you need to sell this product, from training to marketing materials and current forms, using the Annuity Toolkit! Call your IMO or Forethought's Sales Desk at 1-855-44SALES (855-447-2537) for more information about Index Bonus 115 today! 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) © 2013 Forethought   Products are issued by: Forethought Life Insurance Company 300 N. Meridian Street, Ste. 1800 Indianapolis, IN 46204  1There is an annual charge for the Guaranteed Lifetime Income Benefit Rider, applied monthly to the Contract Value.   2Optional Increased Death Benefit Guaranteed Rider sets a death benefit floor equal to premium less withdrawals, increased by 5% of premium less withdrawals for each full contract year completed. Total death benefit for the contract is maximum of Contract Value or death benefit floor at time of death. Available at issue only for ages 0-75. Annual charge applies to Contract Value.  3Assuming no excess withdrawals.    Index Bonus 115SM, issued by Forethought Life Insurance Company, is available in most states with contract FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable).  State variations apply. Read the contract for complete details.    www.forethought.com FOR AGENT USE ONLY - NOT FOR USE WITH CONSUMERS

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Sentinel - Summit Bonus Index - APPROVED IN NC!

 

Good News!! Sentinel Security Life proudly announces The Summit Bonus Index will be released in the state of North Carolina, Monday May 6th. NC specific material will be available on the web-portal at that time, and client applications may be taken. The NC product will be the heavy version similar to the FL version with a slight variation as it relates to surrender charges. I have included product highlights below. I appreciate all you do in getting this product out to the agent field. Sentinel is excited to continue adding more states as time goes on. Please feel free to reach out to me with anything you may need.   – Paul Rauch   PRODUCT HIGHLIGHTS   10-Year Annuity Industry-Leading Income Rider Competitive Caps Maximum Premium Bonus up to 9%* 7.25% Commission 0-75  5.00% 76-80 Issue 0-80 7% Compounding Income Roll-Up for 20 Years*   PAYOUT FACTORS   55  4.50%        67  5.70%        79  6.90% 56  4.60%        68  5.80%        80  7.00% 57  4.70%        69  5.90%        81  7.10% 58  4.80%        70  6.00%        82  7.20% 59  4.90%        71  6.10%        83  7.30% 60  5.00%        72  6.20%        84  7.40% 61  5.10%        73  6.30%        85  7.50% 62  5.20%        74  6.40%        86  7.60% 63  5.30%        75  6.50%        87  7.70% 64  5.40%        76  6.60%        88  7.80% 65  5.50%        77  6.70%        89  7.90% 66  5.60%        78  6.80%        90+  8.00%   Here is the link to the Summit Bonus Index GLWB Income Rider Calculator http://www.sslco.com/glwb-calculator.aspx