Indexed Annuities Participation Rate

Product Guide - IMG, MGA, Wholesaler - Independent Planners ...
How do Equity Indexed Annuities work? From a risk standpoint, a fixed EIA is positioned between a traditional fixed annuity and a registered variable Index participation rate* Percentage of the annual S&P 500 Index increase received, subject to cap ... Retrieve Content

SecurePlus Platinum Indexed Annuity Profile 800-906-3310 Cap ...
The interest rate credited to all Indexed Interest Accounts is the Index Rate “participation rate”) multiplied times the Annual Percentage Change, the result being subject to a with traditional fixed-rate annuities but without the downside risk of investing in the stock ... Retrieve Content

CHIFF - Schiff's Insurance Observer: The World's Most ...
Equity-indexed annuities can have a lot of sizzle. An ad run by Safe Harbor Financial in the National Underwriter “participation rate.” It would be unprof-itable, or highly risky, for an insurance company to sell a fixed annuity with a ... Access Document

Equity-Indexed Products Overview
Example of a point-to-point equity-indexed annuity, Further on the basic design in terms of annuities, participation rate since you're entitled to only 70% of the change, the next column is nothing more than ... Retrieve Content

Cash Surrender Value - Americo Financial Life And Annuity ...
Comparison of equity-indexed annuities on any single factor may be misleading. Refer to the Disclosure Statement as well as your policy for the governing Indexed Crediting Rate x Participation Rate (11.11% x 90%) Less Spread (10% - 1.5%) ... Doc Viewer

Great American Life Insurance Company Fixed-Indexed Annuities
Fixed-Indexed Annuities Interest rates as of April 7, 2012 Modified Single Premium1 Declared Rate Strategy 2 Indexed Strategies3 Monthly sum has guaranteed 100% participation rate and a minimum monthly cap guarantee of 1%. 8 For American Legend II, ... Return Document

Wharton Financial Institutions Center - The MasterSuite ...
Keywords: Indexed annuities, retirement, optimal asset allocation JEL classifications: G11, G22, G23, J26 crediting method which had a participation rate of less than 100% combined with both a cap and a yield spread greater than zero. ... View Doc

AAnnuity Product Reference GuideAnnuity Product Reference ...
INDEXED ANNUITIES Participation Rate Minimum Surrender Value Minimum Premium Withdrawal Provisions1 Surrender Charges Issue Ages MVA Y=Yes N=No Commission5 States Not Available North American Tensm (Index Cap Product & Annual Reset Design) 10.00% Bonus on all ... Access Content

Rates As Of FIXED INDEX ANNUITIES February 22, 2013
Equity Indexed Interest Rate - Annual Ratchet with Monthly Average Free Withdrawal: 10.00% 0-75 Guaranteed 1st year Par-Rate 55% 8.50% 76-80 Fixed Index Annuities Product / Participation Rate Free Withdrawal 1 /Minimum Premium Issue Ages Commission 2 ... Document Viewer

A NaturalHedgefor Equity IndexedAnnuities
Equity Indexed Annuities (EIA) are customized investment products sold by insurance companies to provide savings and insurance benefits. participation rate is applied to the return over the 5 years of the life of the contract. In the ... Fetch Doc

American National Insurance Company’s Independent Marketing ...
Indexed Annuities ANICO Strategy Indexed Annuity 10-Year 7-Year Participation Rate 100% 100% Cap Rate 3.50% 3.50% Fixed Rate 1.40% 1.40% *Minimum Guaranteed Rate: Declared Crediting Method 1.00% 1.00% Indexed Crediting Method 1.00% 1.00% ... Visit Document

Great American Life Insurance Company Fixed-Indexed Annuities
Fixed-Indexed Annuities Interest rates as of February 7, 2013 Modified Single Premium1 Declared Rate Strategy 2 Indexed Strategies3 Monthly sum has guaranteed 100% participation rate and a minimum monthly cap guarantee of 1%. 8 For American Legend II, ... Doc Retrieval

Nationwide Clear Horizon® Fixed & Indexed Annuity
Nationwide Clear Horizon® Fixed & Indexed Annuity PRODUCT ASPECT Product Type Nonregistered, individual, • Interest account — annual interest rate credited daily How is an index annuity di˚ erent from other ˜ xed annuities? ... Retrieve Document

American Valor 10
Fixed-indexed annuities may be right for you if you want 100% participation rate and one-year term is applied for all terms in the period. However, during the illustrated period, the actual caps that we applied to our fixed-indexed annuities varied from term ... Get Document

AUGUST 2005 GUIDANCE SUGGESTED ROUTING - FINRA - Home Page
Equity-Indexed Annuities Member Responsibilities for Supervising Sales rate and some protection from loss of principal, participation, it must record the transaction on its books and records and supervise ... Return Doc

Guaranteed Income Benefits (income For Life) Variable ...
Surrender charges – Both VAs and Fixed Indexed Annuities (FIAs) have surrender charges. They vary somewhat, but a typical surrender charge period If the participation rate was 100% but had a 9% cap, then the amount credited would be 9% since that is the maximum permitted, or the ... Access Document

Equity Indexed Annuities - Midwest Life Brokerage Associates
Equity Indexed Annuities Peter Buechler CLU, FLMI, AAPA Manager, Annuity Marketing (1 line of money) Index growth adjusting factors Participation Rate (PR)-Specifies the % increase in the index growth that you will “participate” in. Spread- AKA: ... Read Full Source

Uncertainty Reigns: The Status Of Indexed Universal Life ...
The participation rate, that is, the percentage of the index increase it will pay, and the maximum rate it ance and indexed annuities share certain features ( e.g., securities-linked returns). 6 It is the second sentence that has created uncer- ... Access Content