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Annuity Investors Life
FlexMax 14
(RETIRED)
A Fixed Indexed Annuity with a 14-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
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A.M. Best : A+ |
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Standard & Poor's: A+ |
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Rates
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Current Rates xx/xx/xxxx |
Guaranteed Minimum Values |
|
Cap |
Part Rate |
Cap |
Part Rate |
1 Year S&P 500 Annual Point-to-Point
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***
|
***
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*** |
*** |
1 Year S&P 500 Monthly Averaging with Cap
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***
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***
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*** |
*** |
Declared Rate Strategy
(Rate guaranteed for 1
Year)
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*.** %
|
*.** %
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State Specified Minimum Interest Rate: ****
Premium Bonus
Year: |
1 |
2 |
3 |
4 |
5 |
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Bonus Rate: |
****
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****
|
****
|
****
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****
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The @annuityname@ is true FPA contract and accepts flexible --[ subscription required to view full text ]--
*** @***********@ ** **** *** ******** *** ******* ********, ******** *** ****** ******** ******** *** ***(*) ***, ************ *** ***-************ *** *** ***-********* *****. *** ****** *** ** ****** *** ******** ******** *** ** **** **** *** ******** ******* ******* ** *** ******** ***.
*** @***********@ ****** * @************@% ******* ***** ** * ******** **** ****** *** ***** @*****************@ ***** *** *** * @*******@ ***** ********* ****** ******.
********** ** ******** ********
*** ***** *** ****** ********** ** *** **** ** ********** * ******* ******* ** ****** *** ******* *** *****. ******* *** *** ******** ******** **** ***** **** *** ******* ** *** *******. *** ***** ******* ** *** ********, ******* **** ** ******* ** *** *** ** *** ****. *** **** *** ***** ******** ** *** ****.
******** ******* ******* ******** ****:
******** ** ******** ***** ** ******* ** *** ******** ******* ******* ***** ** *** ********** ******** ******* ******* ******** ****. *** **** **** *** ****** ****** * ********’* **** *** ** ********** ** ***** ** ***** *** ********** ******* ******** ******** **** *** *** ********** *****.
Provisions
Free Look Period: |
****
|
(Free look period may vary by state) |
Rate Lock Protection: |
****
|
Bail Out Provision Available: |
*** |
*** *** ***: |
**** |
Loan Provision Available: |
*** |
*** *** ***: |
**** |
Tax Sheltered: |
*** |
|
Market Value Adjustment: |
*** |
MRD: |
*** |
Front-End Fee: |
*** |
Annual Maintenance Fee: |
*** |
Return of Premium Available: |
*** |
Death Benefit is: |
*** **** |
|
Premiums
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Non-Qual |
Qualified |
Min Single Premium: |
**** |
******* |
Max Single Premium: |
|
|
Age < xx: |
**** |
******* |
Age > xx: |
**** |
******* |
Payroll Deduction: |
**** |
**** |
Min Added Premium: |
**** |
**** |
Flexible Premiums ******* : |
****
|
|
Min Single Premium Impaired: |
****** |
****** |
Min Single Premium Period Certain: |
****** |
****** |
|
|
Age Restrictions
|
Min Age |
Non-Qual
| Qualified
|
Owner: |
|
***** |
***** |
Annuitant: |
***** |
***** |
***** |
Impaired: |
|
***** |
***** |
Annuitization Age: |
|
***** |
***** |
***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** ***
***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****
|
|
|
Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****
. --[ subscription required to view full text ]--
.
Commissions
Effective date of commission schedule: 04/20/2020 |
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
|
NT
Non-Qualified
FlexMax 14
|
Up to age 55 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 56-70 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 71+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
NT
Qualified
FlexMax 14
|
Ages 18-55 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 56+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
T1
Non-Qualified
FlexMax 14
|
Up to age 55 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 56-70 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 71+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
T1
Qualified
FlexMax 14
|
Ages 18-55 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 56+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
T2
FlexMax 14
|
All permitted ages |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Year 12 |
Year 13 |
Year 14 |
Year 15 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
- Commission & Chargeback guidelines are subject to change at Company discretion.
- Commissions are paid on individual applications only using Signed Date of application to determine the agent contract level in effect. Bonus Commissions are paid
only to actively contracted agents.
- Commissions are based on the age of the oldest Owner at receipt of 1st premium.
- Services fees (commissions in years 11+) are payable only to active agents. Refer to your agent contract for speci --[ subscription required to view full text ]--
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|
Related Information
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