Overview
Liberate your clients with a choice of
products that meet their retirement savings expectations of strong
growth potential and solid guarantees!
AmeriMarkSM;
Freedom:
High cap
product to maximize index strategy growth.
AmeriMarkSM Freedom SE:
High
cap plus 4% premium bonus to enhance growth!
AmeriMarkSM;
Freedom 7:
Shorter
surrender charge schedule.
AmeriMarkSM;
Freedom 7 SE:
Shorter
surrender charge schedule and 2.5% premium bonus.
Strategy Choices
Four interest crediting
rate strategy choices give clients greater opportunity to diversify
and more options for responding to changing economic conditions.
Three index strategies
provide upside potential with:
A declared rate
strategy offers predicable growth. Clients are free to transfer
premium into the index strategies at any time.
Clients also have the security of 10% surrender charge-free
access to annuity values, including convenient
"checkbook" access.
Strong Cornerstone Guarantees and a highly
rated carrier provide added peace of mind.
What's in it for your Clients?
A choice of four crediting rate
strategies:
Clients can select a single strategy
or a combination of strategies, based on their situation.
Step Forward Strategy ®
Annual point-to-point structure locks in the cap* every three years
and resets at the highest anniversary value, i.e., "high-water mark."
Credited interest is linked to a formula that tracks changes in the S&P 500®**
and compounds annually. Also known as the Annual Point-to-Point 3-Year
High-Water Mark Strategy.
S&P 500®
One-Year Point-to-Point Strategy
Credits interest based on a formula that tracks changes in the index over a
one-year term period.
S&P 500®
Monthly Cap Strategy
Credits interest based a formula that tracks monthly changes in the index over a
one-year term period.
Guaranteed One-Year Strategy
Credits a declared rate for a 12-month term. Upon renewal, a new 12-month
guarantee period is established and a new interest rate is declared. Interest
compounds daily!
Clients can:
-
Allocate premium in any proportion to any combination of strategies.†
-
Transfer premium from the declared rate strategy into the index strategies
at any time.
-
Transfer premium from the index strategies at the end of the term.
No matter what clients choose, interest credited will never be less than zero
and gains earned in prior terms will never erode.
Surrender Charge - Free Access
The security of knowing they can
access their annuity value for unplanned financial needs.
Surrender charge-free
withdrawals
10% of annuity value each year** or the minimum required distribution. See
surrender charge schedules below.
"Checkbook" access
Owners can write free drafts for a minimum of $500 per draft.
"Checkbooks" are available on non-tax-qualified and IRA plans.
No surrender charges at
death regardless of issue ages.**
Confinement Waiver
Depending on their age at issue, owners who are confined to a hospital, hospice
facility, or nursing facility may withdraw all or a percentage of their annuity
value without penalty.
Systematic income option
Annual, semiannual, quarterly, or monthly withdrawals are available.
Substantially Equal Periodic
Payments (SEPP)
Allows clients to avoid incurring income tax penalties on withdrawals prior to
age 59½.
Surrender Charge Schedules
The declining schedules are:
Freedom: 13.5, 12.5, 11.5, 10.5, 10, 9, 8, 7, 6, 5, 4, 2 %.
Freedom SE (4% bonus): 13.75, 12.75, 11.75, 11, 10, 9, 8, 7, 6, 5, 4, 2 %.
Freedom 7: 9, 8, 7, 6, 5, 4, 3 %.
Freedom 7 SE (2.5% bonus): 9, 9, 8, 7, 6, 5, 4 %
Premium Bonus
2.5% or 4% premium bonus enhances client earnings. These
additional dollars are immediately added to the annuity value with each premium
payment.
Additional premium amounts added to
the contract can be used to help offset losses and/or offset surrender charges
on a suitable replacement or transfer into AmeriMarkSM Freedom SE or
AmeriMarkSM Freedom 7 SE.
Guarantees
Peace of mind from knowing their
money is protected by solid guarantees.
Guaranteed Choice of Crediting
Rate Strategies
Guarantees the choice of determining how interest is credited to the annuity.
Guaranteed Access to Premium
Guarantees access to a portion of the annuity value each year.
Lifetime Minimum Interest
Guarantee
Guarantees that clients will earn interest on 87.5% of their principal. The
minimum interest rate varies by state and issue date but will never be less than
1% or more than 3%.
Lifetime Payout Guarantee
Guarantees the right to select a settlement option at any time, even in the
first year.
Competitive Compensation
Rewarding pay-for-performance
contract.
No commission reduction on additional premium!
No chargeback for death or annuitization after free-look period
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