Thursday, July 30, 2015

Introducing two NEW fixed index annuities from Forethought Life Insurance Company

 

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Two new ways to help your clients SAVE & ACCUMULATE for retirement

On July 27, 2015 Forethought introduced two new fixed index annuities designed to meet your clients' retirement needs. ForeFreedom Savers™ is designed to help your clients save for retirement with five interest crediting methods. ForeSpending Select™ offers the same great benefits, with a guaranteed lifetime income benefit (GLIB) and an optional premium bonus¹ to help your clients grown and protect their retirement income.

ForeFreedom Savers Fixed Index Annuity

  • Premium amounts from $5,000 to $1 million for ages 0-80.
  • A consumer-friendly, pure accumulation product, with no additional rider costs.
  • Clients have the freedom to choose from five crediting methods - a competitive fixed rate declared annually and credited daily, three options based on the performance of the S&P® 500 Index, and one based on Barclays ARMOUR II Volatility Control Index (Formally known as Barclays ARMOUR II Gross USD 7% ER Index.
  • Interest crediting will never go below 0%.
  • Clients can access their money at any time during the contract term by making a withdrawal.2
  • Death benefits transfer contract value directly to the beneficiary.

ForeSpending Select Fixed Index Annuity

ForeSpending Select fixed annuity has the same features as ForeFreedom Savers, plus:

  • Premium amounts from $10,000 to $1 million for ages 55-80.
  • Clients may choose to include a 7% Premium Bonus.1
  • Guaranteed Lifetime Income Benefit3- The GLIB rider guarantees regular payments for the owner's lifetime, even if the account balance goes to zero, assuming no excess withdrawals. This helps ensure income that is never outlived, and may be beneficial for owners who want guaranteed income throughout their retirement.

 

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ForeFreedom Highlight Sheet

ForeSpending Highlight Sheet

State Availability 

Bonus Program Flyer

Rate Flyer

 

ForeFrontTM Series Important Information:  In our ongoing effort to streamline the product portfolio, and in consideration of the many benefits available in the new ForeFreedom Savers and ForeSpending Select plans, we have decided to discontinue the ForeFront series of indexed annuities in states where the new products are approved.  We will continue to accept ForeFront Series applications in initially launched states until Friday August 7th. Any ForeFront applications received after August 7th will be returned unprocessed. All ForeFront applications pending will continue to be processed until issued. As the new products are released in additional states, similar treatment will be applied, allowing two business weeks from the launch date to continue acceptance of ForeFront applications in those states.


Over the next couple of weeks, we'll be in touch via email with more detailed information about each of these new products. In the meantime, if you have questions, contact your IMO, visit forethought.com or contact our sales team at (855) 447-2537.

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Guarantees are based on claims-paying ability of Forethought Life Insurance Company and subject to compliance with benefit rules. 

1 The 7% Premium Bonus vests over 10 years. The premium bonus and associated accrued interest is subject to a Premium Bonus Recapture, which is charged if values are surrendered during the contract's surrender charge period.

2 Some withdrawals may be subject to a withdrawal charge and MVA. Withdrawals may be subject to ordinary income tax, and a 10% federal income tax penalty may apply to amounts withdrawn prior to age 59½

3 The Guaranteed Lifetime Income Benefit provides a guaranteed lifetime income amount derived from an Income Base. The GLIB is effective at issue. An annual charge of 0.95% of the Income Base is deducted from the contract value at the beginning of each contract year.

A fixed index annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments or index.

Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59 1/2, may also be subject to a 10% federal income tax penalty.

The information is written in connection with the promotion or marketing of of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult a tax or legal counsel for advice. 

ForeFreedom SaversTM, issued by Forethought Life Insurance Company is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX, as applicable).

ForeSpending SelectTM is issued by Forethought Life Insurance Company is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable).

ForeFrontTM Index Choice, issued by Forethought Life Insurance Company is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, 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. 

Forethought is Forethought Life Insurance Company (Indianapolis, Indiana) and affiliates, subsidiaries of Global Atlantic Financial Group Limited. 

The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC ("SPDJI") and has been licensed for use by Forethought Life Insurance Company. Standard & Poor's®, S&P® and S&P 500® 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 SPDJI and sublicensed for certain purposes by Forethought Life Insurance Company. Forethought Fixed Index Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, express or implied, to the owners of the Forethought Fixed Annuity or any member of the public regarding the advisability of investing in securities generally or in Forethought Fixed Index Annuity particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices only relationship to Forethought Life Insurance Company with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to Forethought Life Insurance Company or the Forethought Fixed Index Annuity. S&P Dow Jones Indices have no obligation to take the needs of  Forethought Life Insurance Company or the owners of Forethought Fixed Index Annuity into consideration in determining, composing, or calculating the S&P 500 Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of Forethought Fixed Index Annuity or the timing of the issuance or sale of the Forethought Fixed Annuity or in the determination or calculation of the equation by which Forethought Fixed Index Annuity is to be converted into cash, surrendered or the equation by which Forethought Fixed Index Annuity is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Forethought Fixed Index Annuity. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to Forethought Fixed Index Annuity currently being used by Forethought Life Insurance Company, but which may be similar to and competitive with Forethought Fixed Index Annuity. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the S&P 500 Index. 

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.  S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN.  S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY FORETHOUGHT LIFE INSURANCE COMPANY, OWNERS OF THE FORETHOUGHT FIXED INDEX ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO.  WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.  THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND FORETHOUGHT LIFE INSURANCE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Barclays ARMOUR II Volatility Control Index is a trademark of Barclays Bank PLC or its affiliates and has been licensed for use in connection with the issuance and distribution ForeFreedom Savers and ForeSpending Select. ForeFreedom Savers and ForeSpending Select is not sponsored by, endorsed, sold or promoted by Barclays, and Barclays makes no representation regarding the advisability of investing in ForeFreedom Savers and ForeSpending Select.

Barclays Capital Inc and its affiliates ("Barclays") is not the issuer or producer of ForeFreedom Savers. ForeSpending Select and Barclays has no responsibilities, obligations or duties to investors in ForeFreedom Savers or ForeSpending Select. The Barclays ARMOUR II Volatility Control Index is a trademark owned by Barclays Bank PLC and licensed for use by Forethought Life Insurance Company as the Issuer of ForeFreedom Savers. While Forethought Life Insurance Company may for itself execute transaction(s) with Barclays in or relating to the Barclays ARMOUR II Volatility Control Index in connection with ForeFreedom Savers, ForeSpending Select, investors acquire ForeFreedom Savers and ForeSpending Select from Forethought Life Insurance Company and investors neither acquire any interest in Barclays ARMOUR II Volatility Control Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in ForeFreedom Savers and ForeSpending Select. ForeFreedom Savers and ForeSpending Select is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the ForeFreedom Savers, ForeSpending Select or use of the Barclays ARMOUR II Volatility Control Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of Barclays ARMOUR II Volatility Control Index or any data included therein.

Indices are not available for direct investment. 

NOT FOR USE WITH THE PUBLIC. FOR PRODUCER USE ONLY.              

 

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This email was sent by: Forethought Life Insurance Company
300 North Meridian Street, Suite 1800 Indianapolis, IN 46204

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Tuesday, July 28, 2015

RSL - Interest Rate Increase, Effective 7/28!

 

 

 

 

 

 

 

 

Interest Rate Increase - Effective Tuesday, 7/28!

The rate increase applies to business received on or after 7/28/15.  Reliance Standard will not reissue recently issued policies with new rates.


For a PDF copy of this rate bulletin, click here (link will remain active for 30 days.)

Traditional Fixed Products

Product

New Rates

Base + Bonus / Base

Old Rates

Base + Bonus / Base

Change

First Year/Base

Eleos-MVA

3.50%/2.00%

3.30%/1.80%

+0.20%

Eleos-SP

3.35%/1.85%

3.15%/1.65%

+0.20%

Apollo-MVA

4.45%/2.45%

4.25%/2.25%

+0.20%

Apollo-SP

4.30%/2.30%

4.10%/2.10%

+0.20%

  

Fixed Index Products

Product

New Rates/Caps

Old Rates/Caps

Change

Keystone-5

Annual Pt-to-Pt Cap

4.05%

3.60%

+0.45%

Annual Monthly Avg Cap

4.55%

4.10%

+0.45%

Fixed Interest Rate

2.45%

2.25%

+0.20%

Keystone-7 

Annual Pt-to-Pt Cap

 5.15%

4.65%

 +0.50%

Annual Monthly Avg Cap

 5.65%

5.15%

 +0.50%

Fixed Interest Rate

 2.55%

2.35%

 +0.20%

Keystone-10

Annual Pt-to-Pt Cap

5.65%

5.15%

+0.50%

Annual Monthly Avg Cap

6.15%

5.65%

+0.50%

Fixed Interest Rate

2.85%

2.65%

+0.20%

                             

 

 

 

 

 

 
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., 2015

 

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Reliance Standard Life Insurance Co. | Reliance Standard Life Insurance Co. | 2001 Market Street | Philadelphia, PA 19103

 

Monday, July 20, 2015

Commission Special on MarketValue Index Annuity!

 

 

As Announced Previously –

• 1% Commission Special – on first-year premium only
• Full commissions paid up-front
• Special is open ended – no deadline set
• Applies to apps received June 22, 2015 or later


Highly Competitive Index-Linked Annuity –
for Upside Potential and Downside Protection!

Competitive Rates Now on MarketValue Index

2-Year Average Cap:

  No Cap

See Historical Chart

1-Year Point-to-Point:

  5.00%

See Historical Chart

1-Year Average Cap:

  6.00%

See Historical Chart

1-Year Average Participation:

  75.00%

See Historical Chart

1-Year Monthly Cap:

  2.10%

See Historical Chart

1-Year Interest:

  2.50%

 

Featuring
• Optional Income Rider: 6.0% Rollup for up to 10 Years!
• Flexible Premium
• Nursing Home Waiver (not available in MA)
• 10% Free Withdrawals after 1st Contract Year


Marketing Tools

Client Brochure – Click Here
Agent Guide – Click Here
Customizable Client Flyer – Click Here


Questions? Send an email to EquiTrust Sales Support,
call
866-598-3694, or visit our website at Agents.EquiTrust.com

 


Rates as of June 22, 2015 and are subject to change. Product features may vary by state. Product issued on Contract Form Series ET-EIA-2000(02-05) or ICC12-ET-EIA-2000(01-12. EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC15-ECN-1068

 

 

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EquiTrust Life Insurance Company

7100 Westown Pkwy Suite 200

West Des Moines Iowa 50266-2521
U.S.A.

 

 

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