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Investors Insurance

Annuity Product Line

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Once you have completed the contract, Fax or Mail it back to us.

 

 

Investors Insurance - PremierMark Annuities

Overview

What’s in it for my Clients?

Index annuities that meet clients’ needs today and tomorrow.

Appeal to clients’ short-term focus with optional 7% premium bonus, choice of annual reset index strategies, 10% liquidity,** and “checkbook”†† access.

Solve long-term planning needs with nine-year surrender charges, strong strategy transferability, Beneficiary Rider† Plus, and Confinement Waiver access.

Plus peace of mind from strong guarantees.

What’s in it for me?

The ability to capture your share of the index annuity market with a choice of products to meet clients' short- and long-term needs.

Competitive compensation and Rewards points toward top-of-the-line merchandise and exotic travel!

 

Strategy Flexibility


What’s in it for my Clients?

Easy–to–measure crediting rate strategies give clients control over how to grow and protect their money.

Index strategies allow clients to link interest credited to percentage increases in the S&P 500®††or Nasdaq-100®.§ Clients can choose from several annual reset strategies:

  • S&P 500® Monthly Averaging.
  • S&P 500® Point–to–Point.
  • S&P 500® Monthly Cap (available with PremierMarkSM Plus).
  • Nasdaq-100® Monthly Cap.

These strategies allow clients to lock in gains annually and keep previous gains from eroding.

The Guaranteed One–Year Strategy offers the certainty and predictability of a fixed interest rate.

Clients can:

  • Allocate their premium in any proportion to any or all of the strategies.§§
  • Transfer premium from the Guaranteed One–Year Strategy into any available index strategy at any time.
What’s in it for me?

Easy–to–explain crediting rate strategies—including a choice of four index strategies and a fixed strategy. No administrative fees to explain!

Strategy choices that appeal to a wide range of clients, from those seeking more upside potential to those seeking predictability and safety.

A competitive edge in a challenging market with strong strategy transferability.

 

Liquidity and Accessibility


What’s in it for my Clients?

Peace of mind, knowing they can access their annuity value for life’s uncertainties.

Surrender charge–free withdrawals—Up to 10% surrender charge–free withdrawals annually after the first year (annuity value less loan debt). Certain tax-qualified plans allow minimum required distributions without surrender charges if the amount exceeds the surrender charge–free withdrawal amount. Clients also benefit from no lifetime maximum percentage for surrender charge-free withdrawals.

“Checkbook” access—Owners can write two free “checks” per year ($25 per draft charge thereafter) for a minimum of $500 per draft.

Confinement Waiver—Owners confined to a hospital, hospice facility, or nursing facility may withdraw all or a percentage of their annuity value without surrender charge or market value adjustment. Amount available depends on age at issue.

Systematic Income Option—Clients can take withdrawals on an annual, semiannual, quarterly, or monthly basis.

Substantially Equal Periodic Payments (SEPP)—Allows clients to avoid income tax penalties on withdrawals prior to age 59½.

Surrender Charge Schedules
(9-year declining +/-MVA):

  • PremierMarkSM: 12, 12, 12, 12, 11, 10, 9, 8, 6%.
  • PremierMarkSM Plus: 18, 17, 16, 15, 14, 13, 12, 10, 8%.
What’s in it for me?

The ability to reassure clients with solutions when they need to access their annuity value.

Your clients are more likely to be comfortable with an annuity when they have ample liquidity options.

Knowing they can write a “check” if necessary is especially reassuring to many clients.

Premium Bonus


What’s in it for my Clients?

A jump-start on earnings with an optional 7% premium bonus on PremierMarkSM Plus.

The premium bonus:

  • Vests immediately.
  • Becomes part of the strategy value.
  • Applies to additional premium payments.

 

For example, a $100,000 initial premium into PremierMarkSM Plus would be credited as $107,000 and begin earning interest from day one.

This extra amount is automatically allocated according to their strategy selections.

What’s in it for me?

The ability to help clients increase returns on a suitable replacement or transfer into PremierMarkSM Plus.

 

Beneficiary Rider Plus


 What’s in it for my Clients?

The Beneficiary Rider† Plus allows clients to:

  • Grow a tax-deferred inheritance for their beneficiaries.
  • Increase the amount of after-tax dollars beneficiaries receive.
  • Conveniently transfer more wealth to beneficiaries.

This optional term life insurance rider is guaranteed issue—no underwriting or invasive medical questions.

Contract Years 1–5
Covers 28% of the gain earned on the contract.

Contract Years 6+
Covers 28% of the gain earned on the contract plus any gain§ transferred into the contract via a 1035 Exchange.

What’s in it for me?

A sales-closing solution to ease the income tax burden for your clients’ beneficiaries.

A simple sale: Beneficiary Rider† Plus requires no underwriting.

A competitive advantage. You can offer clients the first enhanced death benefit rider to protect all the gain†† in a non–tax–qualified contract.

 

Guarantees


What's in it for my Clients?

The security of knowing their hard-earned retirement money is protected by:

Guaranteed Choice
The choice of determining how interest is credited to the contract.

Guaranteed Access to Premium
Access to a portion of their annuity value each year.**

Minimum Guaranteed Values
The greater of the Base Guarantee or the Contract Guarantee.

Base Guarantee = 1% to 3% on 87.50% of premiums (varies by state and issue date).††

Contract Guarantee = 100% of premium allocated to all strategies, less withdrawals and deductions. Additionally, all premium allocated to the Guaranteed One-Year Strategy is guaranteed to earn a minimum of 1.50% annually.

What's in it for Me?

The trust you build with clients by offering products that help preserve their money. Clients can rest assured with these “put-it-in-writing” promises!

Peace of mind knowing your clients are protected and their principal and earnings are secure.

Compensation

What’s in it for me?

Up to 8% GA-level commissions!
  • Weekly commission payments.
  • 24-hour access to product, policyholder, and commission information.
  • Print-on-demand forms.

First-year commission on additional premium payments.

If you have questions about the following products please contact the Insurance Sales Network

Agent information only