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DOL Update

 

DOL UPDATE: Maintain, Pivot, Capitalize View this email in your browser   As a company that has been dedicated to serving the retirement and life insurance needs of Main Street America for more than 167 years, it's of great concern to us that the DOL Fiduciary rule may put at risk the ability of our customers to obtain the quality financial solutions they need to create a secure retirement. Since the rule was established in April, we have been busy formulating a strategy that will ensure that National Life and our key business partners can continue to serve the needs of our customers. With this in mind, we would like to provide you with an update on our plan to make sure our clients continue to have access to the solutions they need to achieve peace of mind.   Here's a look at our strategy through the lens of our various client solutions: Life Insurance The DOL rule applies to the sale of life insurance in qualified plans and we remain committed to this business. As a whole, we believe the system for delivering life insurance, and the compensation associated with it, has been, and will continue to be, fair and reasonable, and the core elements will remain unchanged.   Mutual Funds Mutual Funds offer investors one of the most cost effective ways to obtain a professionally managed and diversified portfolio. We believe that commission-based solutions are often the most economical way for middle-income America to obtain financial advice. With that said, Sentinel Investments has, and plans to continue, to offer both commission-based and fee-based share classes.   Variable and Fixed Indexed Annuities Variable and Fixed Indexed Annuity sales to ERISA plans and IRAs will be considerably impacted by the DOL Fiduciary rule. Most IMO's are now faced with the choice of applying for financial institution status or aligning with a firm that is eligible to be a financial institution under the regulations. We plan to provide a solution no matter what choice is made. Our strategy will take these forms: National Life will provide a solution whereby we act as the financial institution under the Best Interest Contract Exemption (BICE). We plan to build an open-architecture platform that provides agents with continued flexibility.   After taking a look at our existing product lineup, we've identified the need for a traditional fixed annuity offering (known under the DOL rules as a "Fixed Rate Annuity") with the Guaranteed Lifetime Income Rider (GLIR), which would be made available through traditional IMO channels. Like Life Insurance, Fixed Rate Annuities are treated more favorably under the DOL rule. We believe that a Fixed Rate Annuity with GLIR will help our business partners identify new areas of opportunity and maintain sales momentum. To this end, we will continue to explore and develop new product solutions that make it easy to do business and help you to embrace the new regulations.   A Cause to Serve With ten thousand people turning 65 every day, the need for retirement income solutions has never been greater. National Life has been dedicated to acting in the best interest of Middle America for more than 167 years and we remain steadfast in our commitment to delivering a broad portfolio of quality financial solutions that meet the needs of our customers. After all, it's our cause, stemming from a deep passion to live our values to do good, be good and make good, every day   For more information, please contact your National Life Group Regional Representative. One National Life Drive, Montpelier, VT 05604 | www.NationalLife.com     National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. National Life Insurance Company was founded in 1848. Life Insurance Company of the Southwest was chartered in 1955. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser. Sentinel Investments® is the unifying brand name for Sentinel Financial Services Company, Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc. All companies, unless otherwise noted, are affiliated and are located in Montpelier, VT. Sentinel Funds are distributed by Sentinel Financial Services Company, Member FINRA, One National Life Drive, Montpelier, Vermont 05604. (800) 282-3863. Mutual funds and variable products can be offered solely by representatives registered to offer such products through a broker/dealer by way of prospectus. For more complete information about the Sentinel Funds, please obtain a prospectus. Please ask your clients to consider a fund's objectives, risks, charges and expenses carefully before investing. Summary and full prospectuses containing this and other information are available from you, the advisor, or sentinelinvestments.com. Please encourage your clients to read the prospectus carefully before investing. For Agent Use Only - Not For Use With The Public TC92441(1016)1 Cat No 103047d(1016)

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Multi-Asset Risk-Control Index Option Added to WealthMax Bonus and WealthPay Life!

 

Multi-Asset,Volatility-Control Index Available Now! 125% Participation Rate! Do the market ups and downs keep you – or your clients – up at night? An asset-allocation strategy may be a better fit for those seeking accumulation. WealthMax Bonus Life and WealthPay Life now feature accounts linked to the Goldman Sachs Dynamo Strategy Index.® The Dynamo Index offers growth from a multi-asset index, comprised of equities (US and international), bonds (US and European), commodities, real estate (US and European) and money-market assets. Dynamic rebalancing attempts to allocate more to past outperformers and less to past underperformers. And a volatility cap attempts to reduce risk exposure to generate more stable returns. The index is designed to deliver the highest risk-adjusted performance subject to a target volatility. Learn more about this exciting index, click here. WealthMax Bonus Life • Single-premium • Excellent for wealth-transfer objectives; plus living benefits • 12% premium bonus • 9.0% MGA Commission (for 50-75 issue ages) WealthPay Life • 3, 5, 10-pay life with premiums paid by SPIA • Excellent for qualified money or low-cost-basis annuities; spread the tax   liability. Plus living benefits. • 11.0% MGA Commission (for 60-75 issue ages) Both Policies Feature • Dynamo Index Account: 1-Year Point-to-Point Participation, 125%   participation rate! • 3 S&P 500® Index Accounts and a Fixed Rate Account • Living Benefits: Accelerated Death Benefits in the event of certain   health conditions • Simplified issue: telephone interview, underwriting decisions usually within   48 hours • 10-year design For more detailed information on the Dynamo Index composition and results, visit www.solactive.com and enter ticker symbol GSDYNMO5. Client Presentations! The WealthMax Bonus Life client presentation now includes the Dynamo Index. And, we're pleased to introduce the NEW WealthPay Client Presentation. Links to both are provided below. Printed supplies are available now at the Order Supplies link on the Agent Website: Agents.EquiTrust.com. Sales Resources WealthMax Bonus Life Agent Guide WealthMax Bonus Life Client Brochure WealthPay Life Agent Guide WealthPay Life Client Brochure Goldman Sachs Dynamo Strategy Index Client Brochure WealthMax Bonus Bonus Client Presentation WealthPay Life Client Presentation Illustrations Current Rates State Approvals App Builder FAQ Transition Rules • The Dynamo Index 1-Year Point-to-Point Participation Account is available   only to policies issued on or after 9/7/16. The account is not available to   in-force policies. • Revised Disclosure Statement – The revised Disclosure Statements for both   WealthMax and WealthPay are dated 08-16. Disclosure Statements dated   prior to the 08-16 update will be accepted until 10/7/16 if the 1-Year Point-   to-Point Paricipation Account is not selected. Questions? Send an email to EquiTrust Sales Support, call 800-811-9733, or visit our website at Agents.EquiTrust.com     The Goldman Sachs Dynamo Strategy Index is sponsored by Goldman Sachs. Any crediting option and the terms related to any such crediting option may be modified or eliminated in the future. WealthMax Bonus Life and WealthPay Life are not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman, Sachs & Co. or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively referred to as "Goldman Sachs"). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in life insurance products generally or in index life insurance policies or the investment strategy underlying this life insurance contract particularly, the ability of the Goldman Sachs Dynamo Strategy Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Dynamo Strategy Index or the suitability of purchasing or holding interests in this index life insurance policy. Goldman Sachs does not have any obligation to take the needs of the holders of this index life insurance policy into consideration in determining, composing or calculating the Goldman Sachs Dynamo Strategy Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS DYNAMO STRATEGY INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS INDEX LIFE INSURANCE POLICY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. "Goldman Sachs," "Goldman," and "Goldman Sachs Dynamo Strategy Index" are trademarks or service marks of Goldman, Sachs & Co. and have been licensed for use by EquiTrust Life Insurance Company for use in connection with certain index life insurance policies. The S&P 500® Index is a product of the Dow Jones Indices, LLC. ("S&P DJI") and has been licensed for use by EquiTrust Life Insurance Company. S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services, LLC. ("S&P"). These trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by EquiTrust Life Insurance Company. WealthMax Bonus Life and WealthPay Life policies are not sponsored, endorsed, sold or promoted by S&P DJI, S&P, or any of their respective affiliates or third party licensors, and none of such parties make any representation regarding the advisability of purchasing WealthMax Bonus Life or WealthPay Life policies nor do they have any liability for any errors, omissions, or interruptions of the S&P 500.® WealthMax Bonus Life Contract issued on Form Series ICC11-ETL-IUL-2000(04-11). WealthPay Life Contract issued on Form Series ICC13-ETL-IWL-2000(01-13). WealthPay Life SPIA issued on Contract Form Series ICC13-ET-SPIA-2000(01-13). EquiTrust Life Insurance Company, West Des Moines, IA.  For Producer Use Only. IC16-ECN-1064

 

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Sent By: EquiTrust Life Insurance Company 7100 Westown Pkwy Suite 200 West Des Moines Iowa 50266-2521 U.S.A.

 

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Athene Interest Rate Update

 

Effective August 6, 2016

Driven to do more.® View Online  |  Forward

 

 

Interest Rate Update As interest rates remain at or near historic lows, we believe a strategy of responsive pricing best positions us to deliver both competitive products and consistent customer value. With those important goals in mind, we're adjusting rates on our Athene Benefit 10SM products effective August 6, 2016. Athene Benefit 10 Rates Athene Benefit 10 Athene Benefit 10 Select Athene Benefit 10 Pro   Current New 1-Year PTP (Cap) 3.50% 2.50% 1-Year Monthly Cap (Cap) 1.50% 1.30% Fixed 1.50% 1.10% Athene Benefit 10 application deadlines Applications with cash received in good order by Athene no later than 4 pm CT on August 5, 2016 will be issued as applied for. Non-cash applications (e.g. 1035 exchanges, IRA rollovers) received in good order by Athene no later than 4 pm CT on August 5, 2016 will be issued as applied for if funds are received no later than 4 pm CT on October 7, 2016. Applications received in good order after 4 pm CT on August 5, 2016 will be issued with the new rates. Applications may be submitted electronically using the Document Upload Tool on Athene Connect. They can also be submitted by overnight mail to the following address: Athene Annuity and Life Company 7700 Mills Civic Parkway West Des Moines, IA 50266-3862 Want to learn more? Visit Athene Connect for product information and to run an illustration. Download updated rate cards and state approval maps for all products. View New Rates   Thank you for your business. For product and sales support, please contact the best Sales Desk in the business at 888‑ANNUITY (266‑8489).       Athene Ascent Pro [GEN (09/15) NB, ICC15 GEN (09/15) NB], Athene Ascent 10 Bonus 2.0 [GEN10 (04/14), GEN10 (07/14), GEN10 (09/15), GEN10 (12/15)], Athene Ascent Pro 10 Bonus Select [TBS10 (09/12) SR, TBS10 (04/14) SR, GEN10 (07/14) SR, ICC16 GEN10 (09/15) SR], Athene Ascent Pro 10 Bonus [TBS10 (09/12)] or state variations; Athene Benefit 10 with Enhanced Benefit Rider [GEN10 (04/14),TBS10 (09/12) SR, TBS10 (04/14) SR, TBS10 (09/12) NB, EBR (04/14)]; Athene MYG fixed annuity [MYG (09/15) or state variation]; Athene Performance Elite [GEN10 (04/14), GEN10 (04/14) G, GEN10 (07/14), GEN10 (09/14), ICC14 GEN10 (04/14), TBS10 (9/12), TBS10 (09/12) SR, TBS10 (09/12) SR G, ICC14 TBS10(04/14) SR, GEN10 (07/14) SR, TBS10 (04/14) SR, TBS15 (09/12), TBS15 (09/12) G, TBS15 (09/14), GEN15 (11/14), MVA (07/14), PEPR (11/14), PEPR (11/14) G, ICC15 PEPR (11/14), ICC15 PEPR NMV (11/14)]; TargetHorizon 5 Annuity TBS5 (09/12); TargetHorizon 10 Annuity TBS10 (09/12), TargetHorizon 10 Select Annuity TBS10 (09/12) NB, TargetHorizon 15 Annuity TBS15 (09/12), or state variations; Athene SPIA Single Premium Immediate Annuity [SPIA (06/87)] or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability may vary by state; see Certificate of Disclosure for full details. Products not available in all states.

 

© 2016 Athene, 7700 Mills Civic Pkwy, West Des Moines, IA 50266, USA For agent use only. Not to be used with the offer or sale of annuities. Annuities issued by Athene Annuity and Life Company, West Des Moines, IA. In the state of New York, annuities issued by Athene Annuity & Life Assurance Company of New York, Nyack, NY. Unsubscribe   Privacy Policy   Forward to a colleague

Announcing SecurePlusR Optimizer

 

Announcing SecurePlus® Optimizer   We are excited to announce a new offering to our indexed annuity line-up: SecurePlus® Optimizer. This new flexible premium fixed indexed annuity will be available on July 29, 2016. SecurePlus® Optimizer offers competitive rates that could enhance the potential for the accumulated balance to grow significantly over time, which would help clients to achieve their financial goals for retirement. This product is ideal for pre-retirees looking to make flexible, periodic contributions to their annuity. It is also great for clients who anticipate one or more large lump sum contributions from sources like a state or teacher's pension. For additional information on SecurePlus® Optimizer, view the brochure which is now available on Merrill. SecurePlus Optimizer is underwritten by Life Insurance Company of the Southwest, and is policy form number 20082 (0112) or state variation thereof. Administrative Office: One National Life Drive, Montpelier, VT 05604 www.nationallifegroup.com | Sales Desk: 800-906-3310 National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in NY and does not conduct insurance business in NY. Agent Use Only - Not For Use With The Public TC 91119 (0716)1

Athene Rate Change Notice

 

Interest Rate Update

July 05, 2016

Effective July 9, 2016, we're adjusting Income Base Bonus Percentages and crediting rates on our Athene Ascent^SM Pro products as listed below. Income Withdrawal Percentages for all ages will also be adjusted. Download the updated income payout chart here.

Athene continues to maintain a competitive advantage in fixed and fixed indexed annuities with top-tier rates.

Application deadlines

• Applications with cash received in good order by Athene no later than 4 pm CT on July 8, 2016 will be issued as applied for.
• Non-cash applications (e.g. 1035 exchanges, IRA rollovers) received in good order by Athene no later than 4 pm CT on July 8, 2016 will be issued as applied for if funds are received no later than 4 pm CT on September 2, 2016.
• Applications received in good order after 4 pm CT on July 8, 2016 will be issued with the new rates.

Applications may be submitted electronically using the Document Upload Tool on Athene Connect. They can also be submitted by overnight mail to the following address:

Athene Annuity and Life Company
7700 Mills Civic Parkway
West Des Moines, IA 50266-3862

 

 

Athene Ascent Pro	Ascent 10 Bonus 2.0 Ascent Pro 10 Bonus Select Ascent Pro 10 Bonus		Ascent Pro 10 (No Bonus)
	Current	New	Current	New
Income Base Bonus	10%	5%	8%	3%

 

Athene Ascent Pro	Ascent Pro 5		Ascent Pro 7		Ascent Pro 10
	Current	New	Current	New	Current	New
2-Year No Cap PTP – BNP (Par Rate)	130%	95%	130%	100%	100%	85%
2-Year No Cap PTP – Morningstar® (Par Rate)	100%	70%	100%	75%	70%	65%
1-Year No Cap PTP (Par Rate)	90%	65%	90%	70%	65%	60%
1-Year PTP (Cap)	5.25%	4.00%	5.25%	4.25%	3.75%	3.50%
Bailout Cap Rate	3.00%	No Change	3.00%	No Change	1.00%	No Change
1-Year Monthly Cap (Cap)	2.20%	1.75%	2.20%	1.85%	1.75%	1.65%
Fixed	2.15%	1.50%	2.15%	1.65%	1.60%	1.35%

 

Jesse Schaefer

Phone: (877)257.8246 ext 109 

Fax: 320-257-8259

www.schaeferfinancialgroup.com

Annuity and Life Insurance Brokerage

 

Use our online contracting system for any carrier.  Once you put your information in the system it will  make it very easy and auto fill for any other future company appointments you wish to add

Schaefer Contracting Link

 

Something Tripping you up with E-Contracting?  Here is the video that walks you through the process:

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