Money Economy Index Annuities Robert G' Williams VP of Annuity Sales Concepts

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Money Economy Index AnnuitiesRobert G.
WilliamsVP of Annuity Sales Concepts
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KEY QUESTION

• What are the 3 Things we do with our MONEY

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MONEY

• SPEND !!!
• SAVE !!!
• INVEST !!!

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Where Would You Be Today?(12-31-9912-31-05)
For Producer Use Only
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What Consumers Want
Mutual Fund Bonds Variable Ann Stocks
CDs Fixed Ann T-Bills
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My Favorite Sales Tool
Home Land
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My Favorite Sales Tool
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What Consumers Want
Mutual Fund Bonds Variable Ann Stocks
Index Annuity
CDs Fixed Ann T-Bills
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Where Would You Be Today?(12-31-9912-31-05)
For Producer Use Only
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WHY INDEX ANNUITIES
MF
VA
FA
CD
POTENTIAL
PROTECTION
Stocks
Govt.
Index Annuity
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Index Annuities Have Two Key Parts

• One Part is POTENTIAL
• One Part is PROTECTION

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The Index Account is POTENTIALThe Contractual
Guarantees are PROTECTION
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Power Phrase

• The Purpose of your Contractual Guarantees is to
  PROTECT the POTENTIAL of your Index Account

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Index Annuity

• How Does it Really Work?
• The Stairway to Financial Peace of Mind

Year 5
Year 6
Year 3
Year 4
Year 1
Year 2

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Index Annuity Hypothetical
Index Value
108,000
114,480
122,494
(0)
122,494
126,168
Surrender Fee May Apply
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Hypothetical
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INTRODUCING

• The SUPER BOWL CHAMPION of Index Annuities

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Index AnnuitiesMoving Parts
Participation Rate
Yield Spread (Asset Fee)
Cap (Range of Potential)
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INDEX CAPS

• All Caps Are Declared In Advance
• All Caps Guaranteed For 1 Year
• Caps May Change Annually,But Never Less Than 1, 3
  or 5

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Liquidity Features

• Apply to full and partial surrenders
• Waived In Index Account Upon
• Death of Owner - greater of Account Value or
  Minimum Guaranteed Surrender Value Available to
  Beneficiary
• Terminal Illness
• Unemployment
• Nursing Home Confinement
• Minimum Required Distributions (by company
  practice)
• 10 free withdrawal after the first year

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Why Offer Your Clients OMFN
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The Account Value Escalator

• At the beginning of each and every year, for the
  first 12 years, additional interest of 1 of the
  initial single premium is added to the account
  value. It is guaranteed. It cannot be lost to
  changes in the index.

Additions of interest are eligible for the
year-end index credits.
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Loyalty Rewards Escalator FPDA

• Choice of 4 Crediting Strategies
• ANNUAL RACKET DESIGN
• SP 500 Index
• Positive gains are credited to a
• Annual Point-to-Point Option _at_ 6.75 to 7.75
  Cap
• Monthly Average Option _at_ 7.75 to 8.75 Cap
• Monthly Point to Point Option _at_ 3.15 to 3.35
  Cap
• Minimum Cap is 3 or 1
• 1 Premium Bonus credited each year up to
  6,8,10,12 yrs. 
• Fixed Account _at_ 2.55 to 2.95

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Loyalty Rewards Escalator

• Surrender Period 6,8,10,12 Yrs
• 9,9,8,7,6,5
• 13.75,12.75,11.75,10.75,10,9,8,7
• 14.75,13.75,12.75,11.75,10.75,10,9,8,7,6
  
• 17.5,16.5,15.5,14.5,13.5,12.5,11.5,10.5,9.
  5,8,5,7.5,6.5
• 10,000 Initial Minimum, 2000 each addl.
• Age 0 to 85, Non-Q Qualified
• (Full Comm. Paid on Deposits for First Three
  Years!)
• 1.5 or Floating Guaranteed on 87.5 of
  premium 

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Why Offer Your Clients OMFN
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Index Rewards 5SPDA

• Choice of 5 Crediting Strategies
• Annual Ratchet Design
• Using SP 500 and/or DJIA Indexes
• Positive gains are credited to a
• Annual Point-to-Point Option _at_ 7.5 Cap
• Monthly Average Option _at_ 9 Cap
• Minimum Cap is 5
• Fixed Account _at_ 3

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Index Rewards 5

• 5 Year Surrender-
• 9, 8, 7, 6, 5
•  
• 5,000 Initial Minimum
• Age 0 to 90, Non-Q Qualified
• 1.5 Guaranteed on 100
• (Floating on 100 in some states)

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Why Offer Your Clients OMFN
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Spectrum Choice Features
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Long Term Bonus Product Comparison
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Trail Compensation

• Available on
• Spectrum Rewards Reserve
• Spectrum Choice 9
• Index Rewards 5
• Trail paid quarterly after 1st Anniversary!
• Trail paid on Account Value!
• Trail paid for life of contract!

- Agent Use Only -
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Trail Compensation
- Agent Use Only -
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Trail Compensation
- Agent Use Only -
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Trail Compensation
- Agent Use Only -
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Large Premium Limits

• Up to, and Including 1mm, for ALL Index Products
  at NO REDUCED COMMISSION!
• Over 1mm available for
• Spectrum Choice Bonus
• Spectrum Rewards Reserve
• Spectrum Rewards Choice 9
• Loyalty Rewards Escalator 12
• Large Premium Limits are Single Premium

- Agent Use Only -
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Large Premium Limits

• 1,000,001 to 2,500,000 Options
• Reduced Up Front Commission with Trail Commission
  for defined term OR
• Levelized Commission for defined term period
• 2,500,001 to 5,000,000
• Levelized Commission for defined term period

- Agent Use Only -
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Large Premium Limits
- Agent Use Only -
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NY Spectrum Freedom NY Spectrum Freedom 10

• Indexed Annuity using SP 500
• 7 and 10 Year Surrender Charges
• 2 Premium Bonus on NY Freedom 10
• MPTP, APTP and MA Options
• Reduced Surrender Charges when Annuitized in
  years 2-5
• Account Value _at_ Death, Nursing Home and Terminal
  Illness Waivers
• 10 Free Withdrawals after 1st Year

- Agent Use Only -
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NY Spectrum Freedom NY Spectrum Freedom 10

• Minimum Guaranteed Interest Rate is Credited to
  INDEX Options Annually, Even If SP doesnt have
  a return!

- Agent Use Only -
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Dexterity 3 and Dexterity 3 Plus

• 3 Year MYGA
• Dexterity 3 with MVA
• No Interest Rate Bonus
• Death, NH, TI and UE Waivers
• Dexterity 3 Plus with MVA
• 1.0 Interest Rate Bonus
• No Waivers

- Agent Use Only -
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Start Selling Now!
- Agent Use Only -