New Participation Index Strategy Added to MarketValue Index!

 

 

45% Participation Rate on the S&P500®! MarketValue Index A client-friendly, 10-year index annuity with attention-grabbing rates! 5.00% 1-Year Point-to-Point Cap 45.00% 1-Year Point-to-Point Participation NEW! 6.00% 1-Year Monthly Average Cap 75.00% 1-Year Monthly Average Participation 1.90% 1-Year Monthly Cap 20.00% 2-Year Monthly Average Cap 2.65% 1-Year Interest Account Comparison of Best and Worst 10-Year Periods* 1-Year Point-to-Point Participation Index Account at 45% Participation Rate   Illustrations and Charts • View this data on a sample illustration page, including Most Recent 10-   Year Period and combined line chart – click here • Build a personalized illustration featuring this comparison – click here • Client-use historical chart for this index strategy – click here MarketValue Index Also Features • Optional Income Rider: 6% Rollup for 10 Years! • Flexible Premium • Nursing Home Waiver (not available in MA) • Terminal Illness Rider • 10% Free Withdrawals after 1st Contract Year • Up to 6.5% Commission, 3.25% for Premiums in Years 2-5 Marketing Tools Client Brochure Agent Guide AppBuilder Questions? Send an email to EquiTrust Sales Support, call 866-598-3694, or visit our website at Agents.EquiTrust.com   *The table illustrates how this account would have performed in the best and worst 10-year periods during the most recent 20-year period. For the Most Recent 10-Year Period ending 12/31/16, the annualized return is 4.58%, and ending Accumulation Value of $156,463. These examples assume an initial premium of $100,000 to the 1-Year Point-to-Point Participation Index Account on January 1st, no Income Benefit Rider, and no withdrawals during the period. The S&P500® Index is a product of S&P 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. MarketValue Index is 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 MarketValue Index nor do they have any liability for any errors, omissions, or interruptions of the S&P 500.® Current rates are subject to change. Please contact the Company for current rates. Products and rider not available in all states and contract may vary by state. Surrender of the contract may be subject to surrender charge or market value adjustment. Withdrawals before age 59 1/2 may result in a 10% IRS penalty tax. EquiTrust Life Insurance Company cannot give legal, tax or accounting advice. Your personal tax advisor can provide important information with respect to the purchase of this annuity contract and its taxation. Withdrawals do not participate in index growth. Guarantees subject to the claims-paying ability of EquiTrust Life Insurance Company. Contracts issued on Form Series ET-EIA-2000(02-05) or ICC12-ET-EIA-2000(01-12). EquiTrust does not offer investment advice to any individual or agent and this material should not be construed as investment advice. EquiTrust Life Insurance Company, West Des Moines, Iowa. For Producer Use Only. IC17-ECN-1114

 

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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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Atlantic Coast Life Weekly Product Updates 10/30/2017 - Rate Increase

 

 

 

 

October 30, 2017       THIS WEEK AT Atlantic Coast Life Insurance Company    - Safe Harbor & Safe Haven Rate Increase - Effective 11/01/2017 - A.M. Best Upgrades Rating to B++ (Good) - Safe Anchor Market Guarantee Annuity Tip     GENERAL INFORMATION     Safe Harbor and Safe Haven Rate Increase - Effective November 1, 2017   We are excited to announce that our Safe Harbor and Safe Haven crediting rates for all guarantee periods will increase by 10 bps effective November 1, 2017! To view our updated rates, please download a copy of the current Rate Sheet from our website or by following the link below.    Annuity Rate Sheet - Effective 11/01/2017 These new rates will be applied to all contracts issued on or after 11/01/2017 regardless of the date the application was received.   A.M. Best Upgrades Rating - B++ (Good)   On October 3, 2017, A.M. Best upgraded the Financial Strength Rating from B+ (Good) to B++ (Good) with a Stable Outlook for Atlantic Coast Life.    "The rating upgrades of ACLI recognize the improved balance sheet and operating profile trends over the past several years, as well as the enhanced financial flexibility, operating synergies and management expertise derived as part of its affiliation with the A-CAP group. The ratings recognize improved capitalization, significant distribution expansion and premium growth in core business lines, as well as additional capital support in the near term from A-CAP to support anticipated strong business growth." (A.M. Best press release, Oct. 3, 2017.)   This is great news for our agents and policyholders and reflects the reliable financial stability of our company!    Safe Anchor Market Guarantee Annuity -    Did you know that our Safe Anchor Market Guarantee Annuity allows your client to enjoy the flexibility of our optional withdrawal riders as well as the ability to choose the best investment strategy for their needs? Check out our marketing materials linked below or on our Agent Portal for more information.   Safe Anchor Brochure Safe Anchor Quick Sheet         Atlantic Coast Life Insurance Company "A Beacon of Integrity Since 1925" Atlantic Coast Life Insurance Company is a premier provider of life insurance, pre-need and fixed annuity products for families.

 

 

 

 

 

Sentinel Product Updates 10/25/17

 

 

 

 

This week at Sentinel Security Life:   What's New? ------------------------------------------------------------------------------------- - California Personal Choice Annuity Changes  - New Sentinel Website - Personal Choice Plus+ Available in CA & RI - Summit Bonus Annuity Available in More States - HIP 2.0 in DE, IN, and KY - 10/23/17  - California Med Supp Forms Updated - 10/15/17 - Sentinel Success Summit     Breaking News!   California Personal Choice Annuity Changes - Effective Immediately As we have previously announced, all new California Personal Choice Annuity applications for policy holders age 65+ were required to purchase the Death Benefit Rider, resulting in a 35 basis point reduction to the crediting rate.    Now, in order to comply with and minimize the cost of the new regulation, we will be adding the Death Benefit Rider to ALL Personal Choice applications. Subsequently, the crediting rate will be no longer be reduced by 35 basis points for policy holders age 65+; instead it will be reduced by 10 basis points to accommodate the inclusion of the Death Benefit Rider on all policies.    What this means for you: All new business must use the updated application packet which includes the Death Benefit Rider as part of the base policy as well as an updated disclosure form. The application packet is available on our Agent Portal. We will accept the old application until 10/31/2017. Policies issued between 1/01/2016 and 10/31/2017 will have the Death Benefit Rider added to all issue ages 65+ without any change to their crediting rate. Pending rollovers and/or transfers must have funds received on or before 12/15/2017.  Applications received on or after 11/01/2017, regardless of issue age, will include the Death Benefit Rider and the crediting rate will be decreased by 10 basis points.  Click on the links below to download the updated quick sheet, brochure and rate sheet, or visit our Agent Portal to order forms.   CA Quick Sheet CA Brochure Rate Sheet   New Sentinel Website It's a new dawn, it's a new day, it's a NEW WEBSITE...for you!     We are revamping our website to better serve our agents and clients and we are excited to share a sneak peak of the beta version with you! Click on the link below to view our beta website, and please take a few minutes to give us any feedback on how we can improve.     Sentinel's Beta Website   Sentinel Annuity Products   Personal Choice Plus+ Available in California and Rhode Island - Effective 10/30/17 Great News! Our Personal Choice Plus+ Index Annuity will be available in California and Rhode Island, effective 10/30/17! This annuity is a great option that allows clients to receive a fixed interest rate, while providing the option of awesome indexing strategies. Click on the link below to download the client brochure for each state, or visit our Agent Portal to view, download and print the forms.   CA Client Brochure RI Client Brochure Reminder: Agents may write business up to one week prior to the launch date for each new state, however business will not be issued until after the effective date.   Summit Bonus Index Annuity Available in More States - Effective 10/23/17 We are excited to announce the expansion of our Summit Bonus Index annuity product into 18 additional states! All of the product brochures, quick sheets, and forms are available to order, download or print from our Agent Portal.     Below are a few product highlights of our  Summit Bonus Index Annuity: Income Rider with high payout factors Premium Bonus up to 8% 4 Indexing Strategies to allocate money Issue Age 0-80 Minimum Single Premium $5,000 (Qualified) $10,000 (Non-Qualified) Maximum Single Premium $1,000,000 (Larger amounts will be considered with Home Office Approval) The new states (released 10/23/17) are in red on the map;  states that were previously available are blue.     Sentinel Plan Health Products   Hospital Indemnity 2.0 Available in DE, IN, and KY - Effective 10/23/17 We are pleased to announce that our Hospital Indemnity 2.0 (HIP 2.0) plans are now available in Delaware, Indiana, and Kentucky, effective 10/23/17. Click on the links below to download or print the outline of coverage for each state.   DE Outline of Coverage IN Outline of Coverage KY Outline of Coverage   New Medicare Supplement Forms in California - Effective 10/15/17 We have revised our Medicare Supplement forms, effective 10/15/17. We will continue to accept the old application packet until November 15, 2017. The new forms are available to order, download, or print from our forms portal, or by clicking on the links below.     CA Medicare Supplement Application CA Client Brochure CA Outline Of Coverage   2018 Sentinel Success Summit   2018 Sentinel Success Summit Standings The Sentinel Success Summit Standings report is now available! Click on the link below to view the standings.   2018 Sentinel Success Summit Standings   Please be aware that only the top 15 Life & Health and top 15 Annuity agents will qualify for the trip. For more information about the trip click on the link below to download a copy of the Sentinel Success Summit flyer.    2018 Sentinel Success Summit Agent Trip

 

 

New NAC VersaChoice FIA

 

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NEW! NAC VersaChoiceSM 10   Offer your clients all the benefits of an accumulation-focused annuity with the flexibility they need for the what-ifs in life. Innovative feature - Optional enhanced liquidity benefit (ELB) rider based in part on six activities of daily living (ADLs), for an annual fee.   Take the Product Training Today       Watch your email for more information coming soon. Questions? Call Sales Support at 866-322-7066.

 

FOR AGENT/ADVISOR USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product features, riders and options may not be available in all states or appropriate for all clients. See product materials for further details, specific features/options, and limitations by product and state. Contract number link: NAC VersaChoiceSM. 26573Z-HTML PRT 10-17

 

Privacy Notice  |  Unsubscribe  |  www.northamericancompany.com  |  A.M. Best Rating   Note: Unsubscribe will discontinue all communications including rate announcements, regulatory, product and other important messages. To begin receiving e-mail messages, contact Sales Support at 866-322-7066.   North American Annuity Service Center 4350 Westown Parkway | West Des Moines, IA 50266

Sentinel Product Updates 9/05/2017

 

This week at Sentinel Security Life:   What's New? **************************************************** - Change to Agent Portal - Coming Soon! - Louisiana MYGA Available - Effective 09/05/17 - Annuity Disclosure Statement - Medicare Supplement Rate Adjustments - HIP 2.0 Plans Available in MS - Sentinel Success Summit     General Information   New Agent Portal - Scheduled to Launch September 11, 2017 We are updating our Agent Portal to provide better services for you! Soon you will be able to access your client files, commission statements, illustration software, and product forms all from one website using one login. Stay tuned for more information in our weekly emails.    Sentinel Plan Annuity Products   Louisiana Personal Choice Annuity - Available 9/05/17 We're excited to announce that the Personal Choice Annuity will be available in Louisiana on September 5, 2017! Click below to download and print the Application Packet and Brochure. LA Application Packet  LA Brochure    Annuity Disclosure Statement The Home office has received the Disclosure Statement that is required by PTE 84-24 with several applications. As a reminder, a Disclosure Statement is to be retained by you, the producer, for all qualified fixed index annuity sales as a condition of the Prohibited Transaction Exemption 84-24 that went into effect on June 9, 2017. This Disclosure Statement is for your records only. The Home Office does not need a copy. Whenever this form is received at the Homes Office, a copy is being returned to you, the producer, via email for your records.   We do have a sample Disclosure Statement on our Forms Portal and through the link below. You may use our sample or use your own document. Please be aware that if you decide to utilize your own document, the disclosure needs to include information about the Impartial Conduct Standards, Fees and Charges, Compensation and your Affiliation/Limitation to the insurance company.   Sample Disclosure Statement   Sentinel Plan Health Products   Medicare Supplement Rate Adjustments - Effective starting 10/1/2017 It's the time when Medicare Supplement Rate Adjustments are happening in multiple states. The following grid lists all of the current states experiencing rate adjustments.     Arizona Iowa Nevada South Dakota Colorado Kansas New Mexico Texas Idaho Louisiana North Dakota Washington Illinois Nebraska Oklahoma Wyoming   The Agent Notification letters explaining each change by state can be accessed by clicking on the link below.   Medicare Supplement Rate Adjustments     Hospital Indemnity 2.0 Plans Available in Mississippi - 08/28/17 We are pleased to announce that our HIP 2.0 plans are available for sale in Mississippi, effective 08/28/17. Click on the link below to download and print the outline of coverage, or visit our Forms Portal to order supplies. MS Outline Of Coverage     2018 Sentinel Success Summit   2018 Sentinel Success Summit Standings The Sentinel Success Summit Standings report is now available!  Click on the link below to view the standings.   2018 Sentinel Success Summit Standings   Please be aware that only the top 15 Life & Health and top 15 Annuity agents will qualify for the trip. For more information about the trip click on the link below to download a copy of the Sentinel Success Summit flyer.    2018 Sentinel Success Summit Agent Trip       SENTINEL SECURITY LIFE | sales@sslco.com | 800-247-1423 | www.sslco.com   STAY CONNECTED

 

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Sentinel Security Life Insurance Company, (800) 247-1423, 1405 West 2200 South, Salt Lake City, UT 84119 SafeUnsubscribe™ jesse@schaeferfinancialgroup.com   Forward this email | Update Profile | About our service provider   Sent by sales@sslco.com in collaboration with Try it free today