Oxford Rate Increase

 

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GREAT NEWS! Royal Select Bonus Increase Annuity Rate and Cap Increase   Our top-selling FIA just got better - Oxford Life® is pleased to announce that Royal Select will now have an 8% bonus effective January 1st.   Annuity rates and caps are INCREASING effective January 1st for our annuity products. See the table below for the current rates:   Oxford Life Royal SelectTM Interest Rates Fixed Account ? 1.35% Annual Point to Point Cap ? 2.50% Monthly Average Cap ? 2.50% Income Account Rate 7.00%   Oxford Life Income ProtectorTM Interest Rates Rate Band Years 1-5 Income Acc. Rate Years 1-5 $25,000-$350,000 ?2.35% ?7.35% $10,000-$24,999 ?1.85% ?6.85%   Rates are subject to change. Please contact Oxford Life for current rates. AN283P FOR PRODUCER USE ONLY - Not intended for soliciting or advertising to the public. © OLIC 2012 Rev.12-2012 2721 North Central Avenue - Phoenix, Arizona 85004 - 1-800-308-2318

Athene January Interest Rate Announcement

 

View this e-mail online.   About Us | Interest Rates | Products | Doing Business with Us | Contact Us     January 2013 Happy New Year! New money rates on Athene Annuity products are unchanged for January 2013 with the exception of the previously announced adjustment to the rollup rate on our ATHENE Choice Series income riders.   All rates effective January 2, 2013     ATHENE Benefit 10 Fixed Index Annuity with Enhanced Benefit Rider   Fixed Account (Years 1-5) AP2P Cap (S&P 500) MP2P Cap-Additive (S&P 500) ATHENE Benefit 10 1.45% 3.15% 1.80%     Premium Bonus (10-yr vesting period) Rollup Percentage Rider Cost Enhanced Lifetime Benefit Rider 6.00% 8.00% 1.40%   ATHENE Choice Series Fixed Index Annuities1 Immediate Premium Bonus Fixed Account Years Rate AP2P Cap (S&P 500) 1-Year MP2P Cap (S&P 500) 1-Year QP2P Cap (DJIA) 1-Year MAVG Cap (DJIA) Enhanced Choice 8 2.00% 8 1.60% 5.10% 2.55% 2.30% 5.00% Choice 10 N/A 1 2.20% 5.10% 3.05% 2.55% 5.00% Enhanced Choice 12 5.00% 8 1.35% 4.60% 2.30% 2.05% 5.00%   ATHENE Income Riders   Income Bonus Rollup Percentage Rollup Period Rider Cost Guaranteed Lifetime Withdrawal Benefit Rider 1.00% 6.50% 10 Yrs 1.25% Enhanced Guaranteed Lifetime Withdrawal Benefit Rider 1.00% 6.50% 10 Yrs 1.50%   ATHENE Traditional Multi-Year Guarantee Annuities   Guarantee Period (Yrs) Yr 1 Rate Yrs 2-7 Rate Effective Annual Rate 7 MYGA 7 3.60% 2.60% 2.74%   ATHENE MaxRate Multi-Year Guarantee Annuities   Guarantee Period (Yrs) Rate Most States FL   MaxRate 5 5 2.75% 2.65%     Enhanced Liquidity 5 2.55% 2.45%   MaxRate 7 7 3.20% 3.10%     Enhanced Liquidity 7 2.95% 2.85%     Important Note: As previously announced, to receive the current rollup rate on our ATHENE Choice Series income riders complete application packages must be dated 12/31/12 or earlier and received in good order in our service center by January 4, 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 annuities and income riders, please contact our Sales Desk at 855-4-ATHENE   * 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%. Dow Jones Industrial Average? is a service mark of Dow Jones & Company, Inc. Standard & Poor's 500® is a trademark of The McGraw-Hill Companies. Both have been licensed for use for certain purposes by Athene Annuity & Life Assurance Company. Annuities are not sponsored, endorsed, sold or promoted by Dow Jones or Standard & Poor's and Dow Jones and Standard & Poor's make no representation regarding the advisability of purchasing these annuities.   AN0006 (R01-13)   FOR PRODUCER USE ONLY. NOT FOR CONSUMER SOLICITATION.

Mandatory Life App Changes

 

 

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Oxford Life® Application Changes For Life Products   Please be aware that applications for all life insurance products have been updated, including AssuranceTM final expense and Advance Wealth Transfer single-premium life (AWT). Prior versions of these applications will not be accepted on or after January 1, 2013. A change to the MIB authorization language was recently mandated. Therefore, all Oxford Life life insurance applications containing this language have been modified to reflect this change. New applications are currently available on our website at: www.oxfordlife.com, after you log in as a producer under My Tools – Forms List. Form numbers for new Assurance applications are: ICC12-FE400-OLIC-2012 Rev. 9/2012 For use in AK, CO, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY FE400-OLIC-2012 Rev. 9/2012 and state specific variations FE400-OLIC-2012 for use in AR, DE State Specific FE400-OLIC-(state abbreviation)-2012 for use in AZ, CT, DC, ND (Rev. 10/2012), SD Form numbers for new AWT applications are: ICC10-AWT-OLIC Rev 9/2012 For use in AK, CO, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY AWT-OLIC Rev 9/2012 and state specific variations AWT-OLIC for use in AR, DE, SD State Specific AWT-(state abbreviation)-OLIC for use in AZ, CT, DC Life insurance applications containing the old MIB authorization language will not be accepted on or after January 1, 2013, so please download or order the new applications listed above as soon as possible. Please click on the images below to see the application for your state. Assurance Final Expense Advance Wealth Transfer Click here to download the latest applications.   LI267P FOR PRODUCER USE ONLY - Not intended for soliciting or advertising to the public. © OLIC 2012 Rev.11-2012 2721 North Central Avenue - Phoenix, Arizona 85004 - 1-800-308-2318

 

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Equitrust Annuity Form Changes: All Disclosures, FNA and Disclosure & Comparison

 

EquiTrust Annuity Forms Revised Available For Use Now; Required on 1/1/13 Effective immediately, all Annuity Product Disclosures, Rider Disclosures, Financial Needs Analysis and Disclosure & Comparison of Products forms are revised. The revised forms will be required beginning 1/1/13. New forms are available on the Agent Website now and may be used immediately. Note: Product / Rider Disclosures are revised for ALL ANNUITY PRODUCTS and the Income For Life rider. Also revised: • Financial Needs Analysis form (ET-2506) • Disclosure & Comparison of Products form (required for replacements) To assist in completing the Disclosure & Comparison of Products forms accurately, a product-specific version is now available for each index annuity product. Please continue using the generic version for Certainty Select and ChoiceFour (non-index) products.   Questions? Send an email to EquiTrust Sales Support, call 866-598-3694, or visit our website Agents.EquiTrust.com     Avoid Commission Payment Delays: Tips for Good-Order Applications – Click Here     EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. AC12-ET-ECN-1131

American Equity Rate Change Effective December 5th, 2012

 

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Oxford Annuity Rates December 2012

 

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Annuity Rates for December 2012   There are no changes to our annuity rates from November. Oxford Life® annuity rates for December will be:   Oxford Life Royal SelectTM Interest Rates Optional GLWB Fixed Acc. Annual Pt to Pt Cap Monthly Avg Cap Income Acc. Rate 1.25% 2.35% 2.35% 7.00% Oxford Life Income ProtectorTM Interest Rates Rate Band Years 1-5 Income Acc. Rate Years 1-5 $25,000-$350,000 2.00% 7.00% $10,000-$24,999 1.50% 6.50%   Rates are subject to change. Please contact Oxford Life for current rates. AN217P3 FOR PRODUCER USE ONLY - Not intended for soliciting or advertising to the public. © OLIC 2012 Rev.11-2012 2721 North Central Avenue - Phoenix, Arizona 85004 - 1-800-308-2318

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Preserve Multi-Year Guaranteed Annuity - Interest Rates Will Hold Steady for the Month of December

 

Preserve Multi-Year Guaranteed Annuity Download the interest rate sheet We are pleased to announce that there will be no changes to the interest rates for the Preserve MYGA for the month of December, 2012. IMPORTANT: The 45-day rate lock will begin at the time the application is received and is held for 45 calendar days. Please contact Marketing Support at 800 767 7749 or email us for questions or assistance. We appreciate your business and thank you for your continued support.

 

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ATHENE Benefit 10 Available in OH, NC, NV, NH

 

 

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About Us | Interest Rates | Products | Doing Business with Us | Contact Us

Register For The Webinar   ATHENE Benefit 10 and Enhanced Benefit Rider: Tools For Retirement November 15th, 10:00am (CST) November 27th, 2:00pm (CST)   Call us 855-4-ATHENE   Email us salesdesk@athene.com       Expanded Availability! We're pleased to announce that producers in Nevada, New Hampshire, North Carolina and Ohio now have access to today's "must-have" FIA - ATHENE Benefit 10sm with Enhanced Benefit Rider!   FIVE benefits, ONE remarkable rider 1.     Guaranteed Lifetime Withdrawal Benefit 2.     Enhanced Lifetime Withdrawal Benefit (ADL triggered) 3.     Confinement Benefit 4.     Terminal Illness Benefit 5.     Death Benefit Important Notice All agents must complete product specific training prior to soliciting this product. ATHENE Benefit 10 product specific training      All five benefits are funded from a single benefit base. Use one benefit, or use all five ... the entire benefit base will be paid!*      PLUS ✓   Benefit Builder - Simple interest rollup applied annually to benefit base until age 85 or when benefits are taken ✓   Early income bonus ✓   Rider charge true-up ✓   6% upfront commission with an additional 1% in years 2 and 3 (6-1-1) ATHENE Benefit 10 Product Info Spec Sheet Consumer Brochure Current Interest Rates State Availability      Special Incentive Program Offer: your agents can earn an extra $1,000 when they start selling ATHENE Benefit 10 with Enhanced Withdrawal Rider today!    From October 1 through December 31, 2012, agents will receive an extra 1% incentive once they've hit $100,000 in paid/issued premium. See commission schedule supplement for details.    Get contracted to sell ATHENE Benefit 10    ·         All agents must complete product specific training prior to soliciting ATHENE Benefit 10. You may complete this online training now. ·         For more information visit our Sales Resource Center.    To learn more about ATHENE Benefit 10 with Enhanced Benefit Rider, please contact: Sales Desk 855-4-ATHENE    *When Death Benefit is paid over a five-year period. Issued by Athene Annuity & Life Assurance Company, Wilmington, DE. Product/features may not be available in all states. Contract contains exclusions, limitations and charges. See annuity contract for complete details. FOR PRODUCER USE ONLY. NOT FOR CONSUMER SOLICITATION.

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