unique needs. American Equity Gold Standard for a ... complete schedule. 2. etirement old. Retirement Gold Retirement Gold is a fixed index annuity designed to help protect hard-earned . If this option is selected, the spouse can surrender the annuity contract in the future, take a lump sum of funds, or take a guaranteed income stream. Managing General Agent+. A fixed index annuity is an insurance contract that provides you with income in retirement. 1. Yr(s) Base In Value in Value in Total Number of Years/ and Premium EFT or Payroll Issue Out Antz'n Out Waived Home ization American Funds offers two balanced funds : American Funds Global Balanced Fund ( GBLAX ): Invests in stocks and bonds all around the globe, seeking growth, conservation of principal, and current income. Contract Value (2). With a fixed index annuity, your payments are based on the returns of … Minority Interest: The equity of all shareholders who do not hold a controlling interest in a company. 2 You can also start income payments after as few as 10 years. Ages 70-74 years – $1,000,000 3. Watch your email for more details in January! Box 71216, Des Moines, IA 50325 515-221-0002 | 888-221-1234 As our industry continues to change and evolve, American Equity remains committed to you and providing quality products and first-in-class customer service. MYGA renewal commissions are only paid if an agent is in good standing with American Equity and the agent continues to service the policy. Our annuity contracts allow penalty-free withdrawals of up to 10%, after the first Contract Anniversary. Surrender fees go for 10 years! For this, American Equity charges either a 0.90% or 1.00% fee, depending on what type of rider you go with. 3 Understanding Fixed Index Annuities. American Equity’s. $ 5,000.00. Bonus Gold. If you're a MetLife client, get online access to prospectuses and other information you'd otherwise receive by mail. The fixed index annuity also has a 10-year surrender charge schedule. Surrender Charge period, a deduction will be taken out according to the Surrender Charge schedule. Independent Review of the Sammons LiveWell 10 Year Fixed Index Annuity. 4. So, if you still are not fully comfortable with this annuity, please feel … ­­­­America Equity’s Retirement Gold fixed index annuity is a flexible premium with a 10-year surrender charge period. A Focus on Your Future. American Equity's fixed and fixed index annuities are sound, simple, and competitive. The premium bonus vests over a 14-year period. Surrender Charges may vary by state. Incur surrender charges and the market value adjustment the surrender charge and contract year one is 12% of the withdrawal and this percentage decreases each year over 10 years, the following states. First Baptist Church Pell City Alabama Volume 2015 Issue 21 May 27, 2015 FIRST FAMILIES May 25-June 6– Pastor John- China May 30-June 5– Graduating Seniors’ group- Belize We are excited to have with us this summer Jeslyn Hawkins and Daniel Brickhouse. The Transamerica Advisory Annuity is a direct response variable annuity that cannot be purchased based on the advice or recommendation of Transamerica or other financial professionals. WITH LIFETIME INCOME BENEFIT RIDER. You'll sleep better at night knowing your principal is secure— that’s why we call it "Sleep Insurance®". Secure Retirement. Our annuity contracts allow penalty-free withdrawals of up to 10%, after the first Contract Anniversary. Maximum single premium. Surrender Charge and Bonus Vesting Schedule Issue Ages 0-78 Surrender Charge and Bonus Vesting Schedule Issue Ages 79-85 and at all issue ages for certain states. Before you decide to exchange one annuity for another, you will also want to consider any surrender charges that may be applied upon surrender of the contract as well as the new surrender penalty schedule for the new annuity you plan to purchase. Automated Withdrawal Program. American Equity’s growth and success is attributed to a dedication to excellent customer service and an emphasis on building customer relationships. The following forms are available to Reliance Standard policyholders. ... Retirement Gold is a fixed indexed annuity that allows for the accumulation of money over a long period of time. Surrender Charges and bonus vesting schedule. An impartial review of the American Equity Bonus Gold Annuity. This annuity has a 10-year surrender period but is only available in a few states (AK MN NJ NV OH OK OR PA TX UT WA). Fixed Indexed Annuity Great American Legend 7 Read more. This annuity offers 10.00% as an upfront bonus. MYGA renewal commission is based on the client’s age at the time of the renewal. American National Insurance Company – also known simply as ANICO – was initially founded in 1905. The rating also reflects AEL's high, albeit declining financial leverage, above-average exposure to interest rate risk and lack of diversification in earnings and distribution." The American Equity Bonus Gold annuity has been one of the best-selling fixed indexed annuities for several years. ... Gold Standard in Retirement Planning. American Equity Investment Life Insurance Company • West Des Moines, ... 10 year surrender charge 9% first year surrender charge 7% premium bonus 10 year bonus vesting schedule Issue age 0 – 80 Rates same as Retirement Gold American Equity also has available certain riders which increase liquidity in the event of confinement to Watch your email for more details in January! Our annuity contracts allow penalty-free withdrawals of up to 10% after the first contract anniversary. American Equity also has available certain riders … A spousal continuation is a death benefit option for the surviving spouse that allows the beneficiary to assume ownership of the annuity contract preserving tax-deferred growth as long as the contract remains in force.. Its fixed-index surrender charge schedules range from five to 16 years. Its products include: The Bonus Gold and Retirement Gold plans have the option to guarantee you won’t outlive your income. American Equity also offers a market value adjustment option for many of its annuities. Athene Ascent 10 Bonus Fixed Index Annuity Surrender Charge Schedule The Minimum Guaranteed Surrender Value equals 87.5% of premiums paid, minus any withdrawals, all accumulated at the Take a Withdrawal. American Equity provides you with opportunities to withdraw funds at any time (subject to applicable . Other income options may also be available. AFG is a Fortune 500 holding company whose common stock is listed on the New York Stock Exchange. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. The American Equity Advantage Gold annuity uses common indexes such as S&P, and the 10-Year U.S. Treasury Bond. This election will apply to all American Equity annuity contracts you own. For more information about fees assessed to managed accounts, contact an Ameriprise financial advisor.. 1 Maintenance fees for Ameriprise brokerage accounts and Ameriprise ONE Financial Accounts with UGMA/UTMA ownerships are $15 per quarter ($60 per year). Its fixed-index surrender … ® TM TM. New Annuity To Annuity Replacement Form Updated 1-13-2012. For the most part, to get a bonus annuity you must be willing to commit to at least a 10 year contract. You’ll only pay an annual fee with the Retirement Gold annuity if you accept the optional LIBR. MAIL Pension Administration PO Box 1834 Wilmington, DE 19899-1834. Offered by American Equity. All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company. Over the past century, the company has grown and evolved into a well-respected member of the insurance industry. CS -MGA 10 Page 5 of 7 12.04.12. Great American Insurance Group’s member companies are subsidiaries of American Financial Group, Inc. (AFG). Twitter. American Equity Annuity Producer Commission Schedule Product Issue Ages Plan Type Agent FYC Agent Renewal =Top Picks 394 Advantage Gold Index 6-07 18-75 Annuity 6.00 1.00 Advantage Gold Index 6-07 76-80 Annuity 4.50 .75 Benefit Gold ICC13 IDX7 18-75 Annuity 6.00 1.00 Benefit Gold ICC13 IDX7 76-80 Annuity 4.50 .75 8% Premium Bonus* (vests over 14 years). Offered by American Equity. Every retirement is different, each with its own financial goals and . They are a leader in the fixed index annuities marketplace. Surrender Values and Charges The annuity’s Surrender Value will never be less than 87.5% of the premium received, less any withdrawals, accumulated at the minimum guaranteed interest rate. The Zacks S&P 500 composite has increased 17.3% in the said time frame. Start RMD - One Time Withdrawal. Triple tax advantaged, convenient, and flexible, it can be used to cover current qualifying medical expenses or act as a supplemental retirement account to cover future healthcare costs. If you or a family member was sold a deferred annuity from American Equity and live in California, please contact the Evans Law Firm at 415-441-8669 or e-mail info@evanslaw.com. American Equity is pleased to announce a rate increase on the Lifetime Income Benefit Rider (LIBR) for the Bonus Gold, Retirement Gold, Foundation Gold, Advantage Gold, Benefit Gold and California Gold effective September 7, 2017. AMERICAN EQUITY Forms . SPIA-1: GLWB Rider. Minimum Guaranteed Surrender Value (3): The Retirement Gold annuity from American Equity allows you to withdraw your funds at any time, but you may incur surrender charges if you take withdrawals within the surrender … MYGA. We will keep you informed on additional developments including the NEW California Gold which will be available January 1, 2017. In fact, by withdrawing more than 10% of the contract value in any of the first 10 years, you will be hit with a surrender charge. $10,000. We will keep you informed on additional developments including the NEW California Gold which will be available January 1, 2017. IRC Section 1035 allows for a tax-free exchange of one annuity for another. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas. Since your funds are covered by American Equity Investment Life Insurance Company, one […] It has a 16-year surrender charge schedule. Even after reading over the American Equity Bonus Gold annuity’s Statement of Understanding, you may have some questions about how – as well as if – this particular annuity will work for you. California Gold California Gold is a fixed index annuity designed to help protect hard-earned dollars from index fluctuations while offering interest growth opportunities based on increases in an index. Bonus annuities typically have a longer surrender period than other fixed indexed annuities. Starting in the second year, you will only be able to remove up to 10% of the contract value penalty-free. Taking a Closer Look at the American Equity’s LIBR Benefit “Small Print” If you only read the information stated above, it is likely that you may feel that the American Equity Bonus Gold annuity with the Lifetime Income Benefit Rider is the ideal solution for you and your retirement … We're the one who works for you! suRRENdER ChARGEs Surrender charges are deducted for withdrawals exceeding the penalty-free amounts or full surrender, and apply for the first 6 years, starting at 8% and decreasing. Account maintenance and custodial fees apply to the accounts listed above; they do not apply to managed accounts. American Equity also has available certain riders which increase liquidity in the event of confinement to Document Viewer. Retirement Gold (Index 02-09) A Fixed Indexed Annuity with a 10-year surrender period. Please allow one business day for this election to take effect. Request for Annuity Benefits Under the Special Enhanced Life Income (S.E.L.I.) All Education Retirement Planning Retirement Lifestyle Healthcare Planning for Retirement Retirement Income Solutions Estate and Legacy Planning Working with a Financial Advisor . Benefit Gold. The cash surrender value is the sum of money an insurance company pays to a policyholder or an annuity contract owner in the event that their policy is … AG Global Bonus Indexed Annuity. The total amount invested in the annuity was forty-three thousand thirty-three dollars ($43,033), and the assets used to purchase the annuity were derived from the 1035 exchange of the Hartford VA. 73. (Rates Subject to Change) ffective 081518 Indexed Annuities The one who works for you ® Page 1 of 15 01PPFI 08.15.18 For Agent Information Only.

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