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November
HOT PRODUCTS!!!
2014
Happy
Thanksgiving!
EquiTrust Life’s Market Value EIA
2.50% Fixed Account.
2-Year Monthly Average @18.00%!
Best Multi-Year Guarantees
Best Bonus Plans
1.90% guaranteed for 3 yrs, 2.00% Commission (0-90).
8.00% Prem Bonus on all deposits for 5 yrs. 3.00% Trigger Point. 12 year
surrender charge period. 6.00% commission ages 0-75. 1.45% fixed
account. 1.55% monthly point-to-point cap.
Liberty Bankers Elite - 3
Liberty Bankers Elite - 5
3.00% guaranteed for 5 yrs, 2.25% Commission (0-90).
Guggenheim’s Preserve MYG - 6
2.90% guaranteed for 6 yrs. 2.50% Comm (0-80) Reduced Comm (81-90).
Bankers Life’s SPDA - 7
3.20% Guaranteed for 7 yrs. 2.25% Comm (0-80) Reduced Comm (81-85).
Guggenheim’s Preserve MYG - 8
3.10% Guaranteed for 8 yrs. 2.50% Comm 0-80. Reduced Comm 81-90.
Guggenheim’s Preserve MYG - 9
3.20% Guaranteed for 9 yrs. 2.50% Comm 0-80. Reduced Comm 81-90.
Guggenheim’s Preserve MYG - 10
3.30% Guaranteed for 10 yrs. 3.00% Comm 0-80. Reduced Comm 81-90.
North American’s Performance Choice 12 Plus - EIA
Sagicor Life’s Advantage EIA
9 Year Term. 4.00% Cap/Annual Pt-to-Pt Design. (with a 4.00% Minimum
Cap) Accumulate Free Withdrawal to 50% after 5 year. 4.50% Commission
to age 75. 2.50% commission ages 76-85. Fixed account 1.50%
American National’s Palladium Century - 7
8.50% for yr 1. 10 yr surrender charge period. 5.00% Commission ages
0-74. Reduced Commission ages 75-80.
North American’s Retire Choice - 14
5.00% Bonus on all deposits for 5 years. 3.35% Annual Pt-to-Pt Design.
Fixed Account 1.65%. 8.50% Comm ages 0-75. Reduced comm ages 76-85.
North American Charter - 14 year term
Best Flex Annuity
Multi strategy opt & 8.00% bonus on all deposits for 7 yrs, 7.00% comm
ages 0-75. 14-yr surr charge period. 1.45% Monthly Cap & Fixed Option
1.35%. 100% part rate.
3.40% year 1. 2.20% Commission to age 75. Reduced
Commission ages 76-85. $300 month w/EFT - Q & NQ.
6.00% premium bonus. Fixed option 1.20%. 2 year monthly avg - 7.00%.
6.00% commission ages 0-80.
American General’s Horizon Flex
North American Boomer Annuity
1.25% First Year Interest Rate, yield 6.31%. 7.00% commission 10-yr. surrender charge period. ($2,000-Q & additional payments of $250 or more.
$10,000-NQ). 5.00% premium bonus for the first 5 years.
Mutual of Omaha’s Bonus Flex Annuity
2.45% 1st yr. Issue ages 0-85. 5.00% Commission yr 1 ages 0-80.
2.50% commission yr 1 ages 81-85.
Liberty Banker’s Choice
Best For Older Ages
Guggenheim’s Preserve MYG - 5
2.75% guaranteed for 5 years. 2.50% commission ages
0-80. Reduced commission ages 81-90.
EquiTrust Life’s Certainty Select - 10
3.25% Guaranteed for 10 years. 3.00% commission ages 0-80. Reduced
commission ages 81-90.
3.15% year 1, 4.00% Comm (0-80). Reduced
Comm (81-90). $5,000 - Q & NQ - Then $100
month w/EFT.
American National’s Century - 1
Liberty Bankers Liberty Select
3.65% year 1. 5.50% commission to age 80.
Reducedcommission ages 81-90. $5,000 - Q&NQ
then $100 month w/EFT.
Best Equity Indexed Annuities
Athene Annuity’s Enhanced Choice - 10
1.80% Fixed Account. 4.50% Annual Pt-to-Pt Cap Design. 7.00%
Commission ages 0-75. 4.00% Commission ages 76-80.
Great American’s Safe Return EIA -10
Return of Premium Guarantee at ANY TIME. Bail-out option on caps. Plus
10% free withdrawal even in year 1. 5.50% commission to age 75. Reduced
commission ages 76-85. Full account value at death. Fixed account 1.00%.
Great American’s Legend III
EquiTrust Life’s Market - 10 Bonus EIA
1.75% Fixed Account. 7.75% Cap on 18 month Average. 4.75% Commission
on ages 0-75. Reduced commission on ages 76-85.
2.50% year 1 interest. 7.00% commission ages 0-74.
Reduced commission ages 75-90.
Best Commission Annuity
North American Precision Series EIA - 14
7.00% commission ages 0-75. Fixed account 1.35%. Annual Point to Point.
No Cap with 45% Participation Rate. 14 year term and no cap. 8.00%
Premium Bonus on all deposits for 7 years.
Athene Annuity’s Enhanced Choice - 12
5.00% Premium Bonus. 0-80 issue ages. 1.00% - Fixed Option.
4.00% Annual Point-to-Point Cap. Commission 7.00% ages 0-75. 4.00%
Commission ages 76-80.
EquiTrust Life’s Market Twelve Bonus
12% Premium Bonus paid over 3 years. 8.50% commission. 14 year term.
Issue ages 0-75. 2-yr monthly ave cap at 6.00%. Fixed account 1.35%.
EquiTrust Life’s Market Power Bonus EIA
1.60% Fixed Account. 10% Premium Bonus. 8.50% Commission to age 75.
2-year Monthly Average at 8%.
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For agent use only. Rates current as of 11/01/14 and subject to change. All products not available in all states - Call for state approvals.