RSL - Commission Reductions: Apollo-MVA, Apollo-SP, Keystone-5 & Keystone-7

 

Commission Reductions:  Apollo MVA, Apollo SP, Keystone 5 and Keystone 7                                                                        From time to time, Reliance Standard reviews sales trends, product designs, rates and compensation for the overall annuity industry, our competitors, and our portfolio of fixed and indexed annuity products.    As we close out a strong first quarter and complete our most recent review process, we believe that the following changes to our annuity product commission rates will meet the needs of a sizeable majority of our constituencies and ensure that Reliance Standard remains a viable source for fixed and indexed annuity business.  The table below provides the actual amount of the commission reduction to the age 0-75 – Apollo and age 0-80 Keystone commission rates: Product Commission Reduction Apollo-MVA & Apollo-SP 1.25% Keystone 5 .75% Keystone 7 .50%   The commission reductions will enable Reliance Standard to offer annuity products with competitive rates in the prolonged low rate environment and maintain a balance between interest rates, index caps and compensation.  The new enhanced rates and caps reflecting the commission reduction will be announced on June 2nd and will be effective for annuity contracts where funds are received on or after June 17th.   Please be advised that there will be no commission rate hold for transfers when funds are received after June 16th.                                   We will continue to review our products in the future and make enhancements that we believe will best position them as the interest rate environment improves and/or the competitive landscape changes.   For an updated Commission Schedule, please contact your agency, or email the Annuity Sales Desk: annuity.marketing@rsli.com.  Please refer to your agent code when requesting a new schedule.                                                                                2001 Market Street, Suite 1500 Philadelphia, PA 19103 annuity.marketing@rsli.com www.reliancestandard.com 800-351-7500

© Reliance Standard Life Insurance Co., 2014

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

 

Athene May Interest Rates Hold Steady

 

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See Current Rates   May, 2014 New money interest rates and index caps for Athene Annuity (DE) products are unchanged for May. Highly competitive rates are just one reason to offer Athene Annuity FIAs, income riders and MYGAs. Need more? Let's talk!   All rates effective 5/1/14   For more information on our annuities and income riders, please contact our Sales Desk at 855-4-ATHENE   Important Note: As we continue to integrate our businesses, please remember that Athene Annuity & Life Assurance Company, Wilmington, DE (Athene Annuity DE) and Athene IA (formerly Aviva) continue to operate as separate companies with separate product portfolios. Policies and procedures may vary.   Products issued by Athene Annuity & Life Assurance Company, Wilmington, DE. * 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%. Standard & Poor's® and S&P® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC. S&P Marks are trademarks of S&P and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Athene Annuity & Life Assurance Company. Dow Jones Marks are trademarks of Dow Jones and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Athene Annuity. The S&P 500 is a product of S&P Dow Jones Indices LLC and has been licensed for use by Athene Annuity. These products are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates, and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, their respective affiliates make any representation regarding the advisability of investing in such product(s).   AN0006 (R05-14)   FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES. This e-mail was sent to: JESSE@SCHAEFERFINANCIALGROUP.COM This e-mail was sent by: Athene Annuity & Life Assurance Company 400 Brookfield Parkway Greenville, SC, 29607, 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.

 

Forethought Product Updates

 

 

Weekly Newsletter from Forethought

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Guaranteed DestinationsTM will be sunsetting on May 2, 2014. All new business MUST be submitted prior to close of business on May 2. If you're in Washington and wondering which products are available to sell, check out the states button below. Barclay's ARMOUR II Gross USD 7% ER IndexTM is now fully illustratable for Income 150+TM in all approved states except Iowa. The Barclays ARMOUR II Index is utilized in an uncapped crediting strategy available on Income 150+ in all approved states. Interest under that strategy is based on the performance of the index over a 3-year period, minus a one-time spread at the end of that period.         New Annuity Toolkit Barclays ARMOUR II Brochure DID YOU KNOW? There are included waiver riders1,2 on all of our fixed index annuities Nursing Home Waiver3 - At any time on or after the first contract anniversary, if your client should become confined to an approved nursing facility for at least 60 consecutive days, withdrawal charges on any portion of the contract value withdrawn will be waived. Terminal Illness Waiver - Should your client suffer from a terminal illness, withdrawal charges will be waived on any portion of the contract value withdrawn after the first contract anniversary. 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/ © 2014 Forethought 1Forethought must receive proof, as identified in the waiver riders attached to the contract, in order to qualify for these benefits. These benefits are not available on ForeCare fixed annuity. 2Subject to state availability. 3Referred to as the Confinement Waiver in CT. Fixed index annuities are issued by Forethought Life Insurance Company. Guaranteed DestinationsTM, issued by Forethought Life Insurance Company, is available in Washington with contract FA1001FP5GD10-01-10-WA. Income 150+SM fixed index annuity is issued by Forethought Life Insurance Company, is available in most states with Contract FA1201SPDAX-01, FA1201SPDAX-02, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Products and features are subject to state availability and variations. Read the contract for complete details. 100981-1 www.forethought.com NOT FOR USE WITH THE PUBLIC. FOR AGENT USE ONLY.

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