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Before and after1online Before and after1online Presentation Transcript

  • Aft& er 2011 Installation Management Symposium Creative and Visual Design Breakout Session I Presenter: Veronica Moore Senior Visual Information Specialist
  • ? ? ? hic Introduction ap Agenda De ? Tips ? Design StyleGr Process sig Inspiration Before and After Case Study AFC Campaign n Oversized Material Video
  • n “What separates a good graphic sig designer from a great one is the ability to touch another person’s soul Tip through visual contact.”De FR s O M M Y DE SK
  • V’s Six Design Tips v 3 4 5 2 6MWR Logo
  • Family and MWR Brand mwrbrandcentral.com
  • V’s Six Design Tips v 3 4 5{ } 6
  • “ Simplicity meansthe achievement of maximum effect “ with minimum means. DR. KOICHI KAWANA, ARtISt, DeSIgNeR, ARCHIteCt
  • { White Space } losetoo c
  • V’s Six Design Tips v 4 5{ } 6
  • Hey, really ... it’s noT PersonalIt’s about the audience/target market.
  • V’s Six Design Tips v 5{ } 6
  • Color Color is more than a combination it is also an emotion.SOS campaign used the color green because it symbolizes hope and growth. It is also a soothing color.
  • Subject NumberColor 101Typography 102Photography 103Layout 104Color can be used on charts to help readability. Best use of color is as a background element.Remember your color blind audience (top right is an example of one kind of color blindness.)
  • V’s Six Design Tips v{ } 6
  • Vertical words lose readability.(Can you see some other items that can be fixed on the left version? Hint: Simplify.)U. Lorem ipsum dolor sit amet, consectetur adipi- scing elit. Phasellus mi augue, varius convallis U. S. ARMY iaculis quis, aliquet sit amet diam. Nullam neque elit, adipiscing sed auctor.S. Nunc auctor condimentum lectus, ac vestibu- lum mi blandit ac. Nulla venenatis libero et neque fringilla cursus in eu libero. Vestibulum ante ipsum primis in faucibus orci luctus.ARM Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus mi augue, varius convallis iaculis quis, aliquet sit amet diam. Nullam neque elit,Y adipiscing sed auctor.
  • Vertical words lose readability.These are “words” not a hidden word puzzle A t r i v o r o o c g t s a c r h d i n h c s a e s ’ t d c t u y, t o r h C i i t r n e a n t t e i e b e d a d g a r r e e r
  • To make a point - You can read the same words from theprevious slide below. Our eyes are trained to read across the page. Even if the words are not spelled correctly. Aoccdrnig to rscheearch at Cmabrigde uinervtisy, it deosn’t mttaer waht oredr the ltteers in a wrod are, the olny iprmoetnt tihng is taht the frist and lsat ltteres are at the rghit pclae. The rset can be a tatol mses and you can sitll raed it wouthit a porbelm. Tihs is bcuseae we do not raed ervey lteter by it slef but the wrod as a wlohe. mrc-cbu.cam.ac.uk/people/matt.davis/Cmabrigde/ This doesn’t mean you can skip running a spell check.
  • 11680_Soldier Show Prgrm Ad_3-11_Layout 1 3/21/11 3:02 PM Page 1 Spacing of type for fold line WE’RE ALWA YS WITH YOU WORKING BEH IND THE SCENES. From solid advice to convenient locations and stellar customer service, our commitment to America’s soldiers and their families is without compromise. We’ve been serving the military for over 75 years, and we look forward to serving you, too. To find out more about what Navy Federal can do for you, visit us at navyfederal.org or stop by one of our branches. PROUD SPONSOR OF THE 2011 U.S. ARMY SOLDIER SHOW navyfederal.org • 1-888-842-6328 PROUDLY SERVING ALL BRANCHES OF THE MILITAR Y, DOD, AND THEIR FAMILIES—YOU ARE ELIGIBLE! Federally insured by NCUA. © 2011 Navy Federal NFCU 11680 (3-11) Use of released Department of Defense imagery does not constitute product or organizational endorsement of any kind by the Department of Defense. Department of Defense photo. Federally insured by NCUA. © 2011 Navy Federal NFCU 11680 (3-11) Video Presentation
  • V’s Six Design Tips v{ }
  • We’re proud to be a part of your network. Family and MWR programs and services are available on the installation, in your community and online. Were providing child and youth services, programs for Families and recreation and Use Photo leisure activities - all with your interests in mind. Visit ArmyMWR.com and find out how the Editing Family and MWR network of programs and services can help you and your Family. smartphone codeto Enhance Do not Flip Photos of Soldiers Use Direction to Guide the eye
  • n sig St the ProcessDe How do you get inspired? yle Video Presentation
  • “ More powerful than the obstaclesaround us are the obstacles within us. the most potent forces that kill off “ new ideas are our own limitations. SCOTT BELSKY, Making Ideas Happen
  • Design InspirationWhat do you use to influence your direction?Internet: portfolios, blogs, twitter; Dictionary (what does the word mean) Books and Magazines; Idea Box: collect samples; Smartphone: take a picture or use an app to sketch your idea; finally get out of your comfort zone this usually will steer up new ideas CLICK Find your own style it’s your signature.
  • Design ProcessWhat is the nature of the subject?Source: Where does this thing come from who or what delivers it?How Delivered? Snail Mail, personally, email, or linkSize: Physical and emotional/Larger than human or insignificantWeight: Also physical/emotionalPurpose: What is this piece suppose to communicate?
  • ct “Design is a profession based on oje conception: on helping to define an opportunity, then develop a solution Mg that will fulfill it. Subsequently, designPr includes the identification and management of the team that will bring it to life, mt whether it is a product, communication, event or place.”
  • Project ManagementPlan - DatesDeadlinesApprovalsDeliveryCoordinateWhat’s needed to complete?Who’s needed to complete?
  • CreativeProcess
  • 11Tr20 en ds
  • Design Trends Colors Contrasting desaturated images and icons with yellow, orange, and read text and skin tones vintage wine, citrus yellow ing Minim d- draw alismHan Glyp Retro hish
  • Design Challenge“ Making the simple complicated is common place, making the complicated awesomely simple “ that’s creativity. SCOTT BELSKY, Making Ideas Happen
  • ELE � ME NT S ® � AV AR � IA BL & EA NN � UI � TY � rod � � � PRedesign Case Study:Aft Protective file � Pro uct Life Annuity Brochure � � � er � � � � � � � �� � � �
  • After ELEMENTS® � �A VARIABLE ANNUITY � � � � � � � � � � � �Product �Profile � � � � � �� � � � PLC.0108.1001
  • this layout needed more white space, more personality and more approachable.
  • ANNUITIES C O N T R AC T F E AT U R E S are tools designed to help people save for retirement. Earnings Enhancement Death Benefit Enhanced Spousal Continuation Benefit & Nursing Home/Terminal Illness Waiver T H E P OW E R OF TA X - D E F E R R A L Millions of Americans have chosen annuities to help them chart a course toward their The Earnings Enhancement Death Benefit (EEDB) will increase the value of the selected E N H A N C E D S P O U S A L C O N T I N U AT I O N B E N E F I T Variable annuity contracts issued by Protective Life Insurance Company. long-term financial goals. An annuity is more than simply a contract issued by a life The second core benefit of an annuity is tax-deferral. Income taxes are one of the primary obstacles to death benefit by paying an additional amount based on investment earnings, if there are any. Securities offered by Investment Distributors, Inc. Both located at 2801 Highway insurance company. It is a product uniquely designed to help meet the needs of people accumulating wealth for retirement because they reduce the efficiency of compounding and thus the rate of This additional payment may help offset expenses incurred by the beneficiary such as The Enhanced Spousal Continuation Benefit (ESCB) allows the surviving spouse who is the contract 280 South, Birmingham, AL 35223 (Attn: IPD 3-7). saving for retirement. growth. In an annuity, earnings grow tax-deferred until they are withdrawn or distributed. At withdrawal, federal and state income taxes. beneficiary to continue the contract at the amount of the death benefit. That means if the death benefit is all earnings will be taxed as ordinary income (and may be subject to a 10% IRS penalty tax if taken prior to age 59 ½). greater than the Contract Value, the Contract Value will be increased to the amount of the death benefit, Annuities offer investors two core benefits: regular income payments that can last Investment Distributors, Inc. and Protective Life Insurance Company are each If the EEDB issue date is prior to the oldest owner’s 70th birthday, the EEDB will pay an including the EEDB if applicable. a lifetime and tax-deferral. amount equal to 40% of total investment earnings* since the EEDB issue date based on the subsidiaries of Protective Life Corporation. greater of the selected death benefit or Contract Value, up to a maximum of 80% of net Neither the death benefit nor the optional EEDB (if selected) is terminated by a surviving R E G U L A R I N C O M E P AY M E N T S $400,000 Accumulation Phase Withdrawal Phase Purchase Payments. If any owner dies within 12 months of the EEDB issue date, then the spouse’s continuation of the contract. The selected death benefit and the optional EEDB Policy form numbers IPV-2074, -2075 (and state variations thereof). A flexible Initial Investment - $50,000 $1,750 per month benefit is based on the Contract Value. (if selected) continue in force. premium deferred variable and fixed annuity contract. The first core benefit of an annuity offers protection from outliving one’s assets. This net after tax $340,162 benefit - the right to receive a stream of income payments for life - is called "annuitization." If the EEDB issue date is on or after the oldest owner’s 70th birthday, the EEDB will pay The ESCB is not available in MN, ND and WA. There is no additional charge for the ESCB. Additional benefits provided under endorsement and rider form numbers IPV- Annuitization simply means converting the value of an annuity contract into a series $300,000 Tax-Deferred Investment @ 6.6% (8% assumed an amount equal to 25% of total investment earnings* since the EEDB issue date based on return less 1.40% insurance charges) $235,704 2051, -2052, -2057, -2058 and -2059 (and state variations thereof). of income payments. These income payments can be guaranteed for life, no matter how After-tax surrender value of the greater of the selected death benefit or Contract Value, up to a maximum of 50% of net long, or for a specified period of time. Other options may also be available. In addition, Tax-Deferred Investment Purchase Payments. If any owner dies within 12 months of the EEDB issue date, then the N U R S I N G H O M E / T E R M I N A L I L L N E S S WA I V E R the income payment amounts can be fixed and guaranteed or they can be variable - varying Taxable Investment 8% assumed return $223,630 * For purposes of the EEDB, Product features and availability may vary by state. $200,000 investment earnings are benefit is based on the Contract Value. from one payment to the next as a reflection of the performance of the sub-accounts calculated during the first This waiver is included only in the Optional Benefit Packages and waives any applicable 36% Tax bracket selected to support the payments. assumed throughout The EEDB is available at the time of application to owners through age 75, only for non- surrender charge if, after the first contract year, any owner enters a licensed and This sales brochure is authorized for distribution to prospective investors only 12 months after the EEDB issue date as the current qualified contracts, and is not available in MN, ND and WA. Once selected the EEDB may qualified skilled care nursing home for 90 days or more or is diagnosed by an when preceded or accompanied by a current prospectus for the funds and for the Fixed payments provide the security of knowing how much each payment will be, but may $100,000 not be canceled. The EEDB terminates upon any owner’s reaching age 90 or upon approved physician as having a terminal illness that will result in death in less Elements® Classic variable annuity contract. For more complete information Contract Value minus the or may not keep up with the effects of inflation. Variable payments, on the other hand, may Contract Value on the EEDB annuitization. While in effect the EEDB will increase the Mortality and Expense Risk than 12 months. (In Texas only, the waiver is also applicable during the first contract year.) about Elements® Classic and Protective Life Insurance Company, including all increase or decrease depending on the performance of the underlying investments. This issue date (adjusted for Charge by 0.25%. charges and expenses, please read the prospectus. It should be read carefully potential ability of variable payments to keep pace with inflation may be critically Purchase Payments made or E E D B S A M P L E C A L C U L AT I O N S before you invest or send money. This policy has limitations. For costs and important. An investor may prefer to combine fixed and variable annuitization to build an 0 5 10 15 20 25 30 5 10 15 withdrawn since that date). complete details of coverage contact your insurance agent or Protective Life All calculations are based on an owner age 69 or less at the time of issue, the election of an Annual Reset Death income stream to meet his or her return expectations and risk tolerance. Year After the first 12 months after the EEDB issue date as Benefit, and that the owner’s death occurs more than 12 months after the EEDB issue date. Insurance Company. the current death benefit Scenario 1 Scenario 2 This chart is for illustrative purposes only and is not representative of any current or future investment results of the Elements® Classic variable annuity contract. minus the Contract Value on While Protective Life offers interpretations of current law as it pertains to Actual results may be higher or lower. Purchase Payment $100,000 Purchase Payment $100,000 the EEDB issue date (adjust- annuities, the company does not give tax or legal advice. You should consult your This chart shows a hypothetical $50,000 investment during a 30-year "accumulation phase" and a following "withdrawal phase" during which monthly ed for Purchase Payments Maximum Anniversary Value $180,000 Maximum Anniversary Value $380,000 withdrawals of $1,750 net after tax are made (the gross monthly withdrawal from the tax-deferred investment would be $2,734.38, sufficient to generate attorney or tax adviser regarding your individual situation. made or withdrawn since “Jazz is not $1,750 net after tax in the 36% tax bracket). This example assumes a constant 8% gross annual return for both the taxable and tax-deferred investments. This example also assumes a 36% income tax bracket applied annually to earnings in the taxable investment and upon withdrawal in the that date). For purposes of Account Value at Death $170,000 Account Value at Death $400,000 tax-deferred investment. The after-tax surrender value of the tax-deferred investment assumes a full surrender of the tax-deferred investment and the EEDB, net Purchase Annual Reset Death Benefit $180,000 Annual Reset Death Benefit $400,000 a game of chance. the application of a 36% income tax rate. Withdrawals of earnings from the tax-deferred investment will be subject to income tax and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2. Early withdrawals will reduce net earnings. Payments means the Con- EEDB (40% x $80,000) $32,000 EEDB (capped at $80,000) $80,000 No one can become These numbers do not include fees for investment management or the $30 annual contract maintenance fee, which would reduce actual results. The tax-deferred illustration includes the effects of the 1.40% mortality & expense and administrative charges applicable to the Standard Death Benefit (without the EEDB) of tract Value on the EEDB issue date, adjusted for Total $212,000 Total $480,000 a virtuoso on the spur the Elements® Classic variable annuity contract. If an Optional Benefit Package and/or the EEDB is selected, the charge would be higher and the results would be lower. The tax-deferred illustration also includes the effects of the Elements® Classic variable annuity’s declining surrender charge which applies only during Purchase Payments made or withdrawn since that date, the first five contract years: 6%, 6%, 5%, 5%, 4%, 0%. Certain withdrawals are not subject to surrender charges. Scenario 3 Scenario 4 of the moment.” An annuity contract may be purchased on a non-qualified basis or for use within certain qualified retirement plans or arrangements that receive favorable tax excluding any Purchase Purchase Payment $100,000 Purchase Payment $100,000 Payments made within 12 ~ Wanda Landowska, treatment, such as individual retirement accounts and individual retirement annuities (IRAs), pension and profit-sharing plans (including H.R. 10 Plans), and tax- sheltered annuity plans. Many of these qualified plans, including IRAs, provide the same type of tax-deferral as provided by an annuity contract. An annuity months of the deceased Maximum Anniversary Value $120,000 Maximum Anniversary Value $95,000 Polish musician contract, however, provides a number of benefits and features not provided by such retirement plans or arrangements alone. There are costs and expenses under owner’s date of death. Account Value at Death $90,000 Account Value at Death $90,000 These calculations are intended to be used solely as a comparison of the effects of the Earnings a variable annuity contract related to these benefits and features. See prospectus for more Enhancement Death Benefit. The calculations assume a single Purchase Payment, no withdrawals or You should consult a qualified tax and/or financial adviser regarding the use of an annuity contract within a qualified plan or in connection with complete details. Annual Reset Death Benefit $120,000 Annual Reset Death Benefit $100,000 surrenders, and investment performance as depicted by the "Maximum Anniversary Value," "Account other employee benefit plans or arrangements. You should carefully consider the benefits and features provided by a variable annuity contract Value at Death," and the "Annual Reset Death Benefit" values in each example. These calculations are 12 EEDB (40% x $20,000) $8,000 EEDB (40% x $0) $0 hypothetical only. They do not reflect past or future investment performance of any sub-account, which 4 in relation to its costs as it applies to your particular situation.3 ELEMENTS® classic 11 ELEMENTS® classic Total $128,000 Total $100,000 will fluctuate. Additional Purchase Payments and withdrawals or surrenders of Contract Value will change the effects of the Annual Reset Death Benefit and the Earnings Enhancement Death Benefit. PLC.0108.1001 www.protective.com/annuities 10/01 Continued with the musical instrument theme yet focused on Jazz, images of people of the target market were added, pull quotes from Jazz Musicians to break up the text.
  • ELEMENTS® � ANNUITIES C O N T R AC T F E AT U R E S are tools designed to help people save for retirement. Choice of Death Benefits T H E P OW E R OF TA X - D E F E R R A L Contract Value Millions of Americans have chosen annuities to help them chart a course toward their In addition to its many important features and benefits designed to help investors long-term financial goals. An annuity is more than simply a contract issued by a life Annual Reset Anniversary Value1 The second core benefit of an annuity is tax-deferral. Income taxes are one of the primary obstacles to accumulate wealth, Elements® Classic may help protect and transfer that wealth to family insurance company. It is a product uniquely designed to help meet the needs of people accumulating wealth for retirement because they reduce the efficiency of compounding and thus the rate of and heirs through its choice of death benefits. Any benefit payable at death is transferred Purchase Payment saving for retirement. growth. In an annuity, earnings grow tax-deferred until they are withdrawn or distributed. At withdrawal, directly to named beneficiaries, avoiding the cost, delay and publicity of probate. Income all earnings will be taxed as ordinary income (and may be subject to a 10% IRS penalty tax if taken prior to age 59 ½). and estate taxes may apply. Annuities offer investors two core benefits: regular income payments that can last a lifetime and tax-deferral. � S TA N D A R D D E AT H B E N E F I T R E G U L A R I N C O M E P AY M E N T S $400,000 Accumulation Phase Withdrawal Phase Annual Reset Death Benefit Initial Investment - $50,000 $1,750 per month The Standard Death Benefit provides that if an owner of an Elements® Classic variable The first core benefit of an annuity offers protection from outliving one’s assets. This net after tax annuity should die prior to annuitization, the beneficiary will receive the greater of: Optional Benefit Package 2 - Compound and Three Year Reset Death Benefit $340,162 benefit - the right to receive a stream of income payments for life - is called "annuitization." 1.The Contract Value The Compound and Three Year Reset Death Benefit (not available in WA) provides that if an owner of an $300,000A VARIABLE ANNUITY Annuitization simply means converting the value of an annuity contract into a series of income payments. These income payments can be guaranteed for life, no matter how Tax-Deferred Investment @ 6.6% (8% assumed return less 1.40% insurance charges) After-tax surrender value of Tax-Deferred Investment $235,704 2.The total Purchase Payments (less any amounts surrendered, including associated surrender charges). The cost for the Standard Death Benefit is included in the mortality and expense risk Elements® Classic variable annuity should die prior to annuitization, the beneficiary will receive the greatest of: � long, or for a specified period of time. Other options may also be available. In addition, charge of 1.25%. 1.The Contract Value the income payment amounts can be fixed and guaranteed or they can be variable - varying Taxable Investment 8% assumed return $223,630 $200,000 2.The total Purchase Payments (less any amounts surrendered, including associated surrender charges), from one payment to the next as a reflection of the performance of the sub-accounts 36% Tax bracket 3.The Compound Anniversary Value2 attained before the earlier of the deceased owner’s 80th selected to support the payments. birthday or the date of death. The compound anniversary value will accumulate at 4% annually � � assumed throughout These charts are intended Contract Value (3% if the deceased owner was age 71 or older at the time the contract was issued). to be used solely as a com- Fixed payments provide the security of knowing how much each payment will be, but may $100,000 4.The greatest 3-Year Reset Anniversary Value3 attained before the earlier of the deceased owner’s parison of the relative � � or may not keep up with the effects of inflation. Variable payments, on the other hand, may 80th birthday or the date of death. � effects of the Elements® Purchase Payment � increase or decrease depending on the performance of the underlying investments. This Classic variable annuity’s potential ability of variable payments to keep pace with inflation may be critically Standard Death Benefit, 0 5 10 15 20 25 30 5 10 15 � important. An investor may prefer to combine fixed and variable annuitization to build an Annual Reset Death Benefit, Contract Value income stream to meet his or her return expectations and risk tolerance. Year and Compound and Three- Year Reset Death Benefit. � 3-Year Reset Anniversary Value3 The examples assume a sin- This chart is for illustrative purposes only and is not representative of any current or future investment results of the Elements® Classic variable annuity contract. gle Purchase Payment, no Actual results may be higher or lower. Standard Death Benefit Compound Anniversary Value2 withdrawals or surrenders, This chart shows a hypothetical $50,000 investment during a 30-year "accumulation phase" and a following "withdrawal phase" during which monthly and identical investment � � �Product withdrawals of $1,750 net after tax are made (the gross monthly withdrawal from the tax-deferred investment would be $2,734.38, sufficient to generate performance as depicted by Purchase Payment “Jazz is not $1,750 net after tax in the 36% tax bracket). This example assumes a constant 8% gross annual return for both the taxable and tax-deferred investments. This example also assumes a 36% income tax bracket applied annually to earnings in the taxable investment and upon withdrawal in the the Contract Value graph in O P T I O N A L B E N E F I T PA C K A G E S tax-deferred investment. The after-tax surrender value of the tax-deferred investment assumes a full surrender of the tax-deferred investment and each example. These charts a game of chance. the application of a 36% income tax rate. Withdrawals of earnings from the tax-deferred investment will be subject to income tax and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2. Early withdrawals will reduce net earnings. are hypothetical only. They At the time of application, an owner may purchase one of two Optional Benefit Packages that may provide a death benefit which is greater than the Standard Death Benefit. Once No one can become do not reflect past or future � � Compound and Three-Year Reset Death BenefitProfile These numbers do not include fees for investment management or the $30 annual contract maintenance fee, which would reduce actual results. The tax-deferred illustration includes the effects of the 1.40% mortality & expense and administrative charges applicable to the Standard Death Benefit (without the EEDB) of investment performance an Optional Benefit Package is selected, the option may not be canceled or changed. The � 1An annual reset anniversary value will be determined on each contract anniversary occurring before the earlier of the deceased owner’s 80th birthday or a virtuoso on the spur the Elements® Classic variable annuity contract. If an Optional Benefit Package and/or the EEDB is selected, the charge would be higher and the results would be lower. The tax-deferred illustration also includes the effects of the Elements® Classic variable annuity’s declining surrender charge which applies only during of any sub-account, which will fluctuate. Additional mortality and expense risk charge including these packages is 1.40%. the deceased owner’s date of death. Each annual reset anniversary value is the sum of the Contract Value on a contract anniversary, plus all Purchase Payments since that anniversary, minus all amounts surrendered including associated surrender charges since that anniversary. the first five contract years: 6%, 6%, 5%, 5%, 4%, 0%. Certain withdrawals are not subject to surrender charges. of the moment.” � � Purchase Payments and Optional Benefit Package 1 - Annual Reset Death Benefit 2 A compound anniversary value will be determined on the most recent contract anniversary before the earlier of the deceased owner’s 80th birthday or An annuity contract may be purchased on a non-qualified basis or for use within certain qualified retirement plans or arrangements that receive favorable tax withdrawals or surrenders The Annual Reset Death Benefit provides that if an owner of an Elements® Classic variable the deceased owner’s date of death. The compound anniversary value is equal to the sum of (1) the accumulation to a contract anniversary of all �� ~ Wanda Landowska, treatment, such as individual retirement accounts and individual retirement annuities (IRAs), pension and profit-sharing plans (including H.R. 10 Plans), and tax- of Contract Value will Purchase Payments prior to that anniversary, minus the accumulation of amounts surrendered including associated surrender charges prior to that sheltered annuity plans. Many of these qualified plans, including IRAs, provide the same type of tax-deferral as provided by an annuity contract. An annuity annuity should die prior to annuitization, the beneficiary will receive the greatest of: � Polish musician anniversary and (2) any Purchase Payments on or since that anniversary, minus any amounts surrendered including associated surrender charges on or contract, however, provides a number of benefits and features not provided by such retirement plans or arrangements alone. There are costs and expenses under change the effects of each of 1.The Contract Value since that anniversary. a variable annuity contract related to these benefits and features. the Death Benefits shown. You should consult a qualified tax and/or financial adviser regarding the use of an annuity contract within a qualified plan or in connection with 2.The total Purchase Payments (less any amounts surrendered, including associated surrender charges), 3 A 3-year reset anniversary value will be determined every 3rd contract anniversary occurring before the earlier of the deceased owner’s 80th birthday other employee benefit plans or arrangements. You should carefully consider the benefits and features provided by a variable annuity contract 3.The greatest Annual Reset Anniversary Value1 attained before the earlier of the deceased or the deceased owner’s date of death. Each 3-year reset anniversary value is equal to the sum of the Contract Value on a 3rd contract anniversary, plus all Purchase Payments since that anniversary, minus all amounts surrendered including associated surrender charges since that anniversary. 4 10 in relation to its costs as it applies to your particular situation. 3 owner’s 80th birthday or the date of death. ELEMENTS® classic 9 ELEMENTS® classic � � � C O N T R AC T F E AT U R E S C O N T R AC T F E AT U R E S Purchase/Liquidity Options; Contract Fees Earnings Enhancement Death Benefit Enhanced Spousal Continuation Benefit & Nursing Home/Terminal Illness Waiver PURCHASE OPTIONS CONTRACT FEES The Earnings Enhancement Death Benefit (EEDB) will increase the value of the selected E N H A N C E D S P O U S A L C O N T I N U AT I O N B E N E F I T death benefit by paying an additional amount based on investment earnings, if there are any. Availability Surrender Charge This additional payment may help offset expenses incurred by the beneficiary such as The Enhanced Spousal Continuation Benefit (ESCB) allows the surviving spouse who is the contract Elements® Classic may not be available in certain states. Withdrawals in excess of the surrender charge-free withdrawal amount will be subject to a declining federal and state income taxes. beneficiary to continue the contract at the amount of the death benefit. That means if the death benefit is surrender charge which applies only during the first five contract years: 6%, 6%, 5%, 5%, 4%, 0%. greater than the Contract Value, the Contract Value will be increased to the amount of the death benefit, Issue Ages If the EEDB issue date is prior to the oldest owner’s 70th birthday, the EEDB will pay an including the EEDB if applicable. Available to owners and annuitants age 84 or less. amount equal to 40% of total investment earnings* since the EEDB issue date based on the No Up-Front Sales Charges or Fees greater of the selected death benefit or Contract Value, up to a maximum of 80% of net Neither the death benefit nor the optional EEDB (if selected) is terminated by a surviving Investment Amounts Surrender charges may apply to withdrawals made only during the first five contract years. Purchase Payments. If any owner dies within 12 months of the EEDB issue date, then the spouse’s continuation of the contract. The selected death benefit and the optional EEDB Minimum $10,000 (non-qualified), $2,000 (qualified); benefit is based on the Contract Value. (if selected) continue in force. Maximum $2,000,000 without prior administrative office approval. Some states impose a premium tax. Protective Life does not currently deduct a charge for premium taxes except on annuitization. However, we reserve the right to make a charge for premium taxes in other If the EEDB issue date is on or after the oldest owner’s 70th birthday, the EEDB will pay The ESCB is not available in MN, ND and WA. There is no additional charge for the ESCB. Additional Investments circumstances. See prospectus for more complete details. an amount equal to 25% of total investment earnings* since the EEDB issue date based on Minimum - $100 ($50 via EFT) the greater of the selected death benefit or Contract Value, up to a maximum of 50% of net Contract Maintenance Fee Purchase Payments. If any owner dies within 12 months of the EEDB issue date, then the N U R S I N G H O M E / T E R M I N A L I L L N E S S WA I V E R * For purposes of the EEDB, Automatic Purchase Payment Plan An annual contract maintenance fee of $30 will apply on each contract investment earnings are benefit is based on the Contract Value. Automatic investments from checking or savings account. anniversary unless total Purchase Payments (less any amounts surrendered including calculated during the first This waiver is included only in the Optional Benefit Packages and waives any applicable Available monthly or quarterly ($50 minimum). associated surrender charges) equals or exceeds $50,000 or the Contract Value on the 12 months after the EEDB The EEDB is available at the time of application to owners through age 75, only for non- surrender charge if, after the first contract year, any owner enters a licensed and contract anniversary equals or exceeds $50,000. issue date as the current qualified contracts, and is not available in MN, ND and WA. Once selected the EEDB may qualified skilled care nursing home for 90 days or more or is diagnosed by an Contract Value minus the not be canceled. The EEDB terminates upon any owner’s reaching age 90 or upon approved physician as having a terminal illness that will result in death in less LIQUIDITY OPTIONS Mortality and Expense Risk Charge Contract Value on the EEDB annuitization. While in effect the EEDB will increase the Mortality and Expense Risk than 12 months. (In Texas only, the waiver is also applicable during the first contract year.) A Mortality and Expense Risk Charge equal to 1.25% on an annual basis (1.50% if issue date (adjusted for Charge by 0.25%. Withdrawals the optional EEDB is selected) is deducted from the daily net asset value of the Variable Purchase Payments made or E E D B S A M P L E C A L C U L AT I O N S During the first contract year, 15% of the initial Purchase Payment may be withdrawn Account. If one of the Optional Benefit Packages is selected, the charge is 1.40% withdrawn since that date). After the first 12 months All calculations are based on an owner age 69 or less at the time of issue, the election of an Annual Reset Death without surrender charge. During the second through fifth contract year, Elements® (1.65% if the optional EEDB is selected). On and after the annuity commencement date, Benefit, and that the owner’s death occurs more than 12 months after the EEDB issue date. after the EEDB issue date as Classic allows investors to withdraw the greatest of: the charge is 1.25%. the current death benefit “In jazz at its 1. Accumulated earnings as of the prior contract anniversary. Administration Charge minus the Contract Value on Scenario 1 Scenario 2 Purchase Payment $100,000 Purchase Payment $100,000 characteristic best, 2. 15% of cumulative Purchase Payments as of the prior contract anniversary. An Administration Charge equal to 0.15% (on an annual basis) is deducted the EEDB issue date (adjust- ed for Purchase Payments Maximum Anniversary Value $180,000 Maximum Anniversary Value $380,000 each player seems to be, 3. 15% of the Contract Value as of the prior contract anniversary. from the daily net asset value of the Variable Account. made or withdrawn since Account Value at Death $170,000 Account Value at Death $400,000 that date). For purposes of and has the sense of After the fifth contract year there is never a surrender charge, providing Fund Expenses the EEDB, net Purchase Annual Reset Death Benefit $180,000 Annual Reset Death Benefit $400,000 being, on his own... investors with enhanced liquidity and flexibility. See fund prospectuses for a description of all fund fees and expenses. Payments means the Con- tract Value on the EEDB EEDB (40% x $80,000) $32,000 EEDB (capped at $80,000) $80,000 And yet the outcome Automatic Withdrawals can begin at purchase or at a later date with a issue date, adjusted for Total $212,000 Total $480,000 PLC.0108.1001 is a dazzlingly precise minimum initial Purchase Payment of $10,000 or a Contract Value as of the Purchase Payments made or previous contract anniversary of $10,000. Payments are available monthly or withdrawn since that date, Scenario 3 Scenario 4 creative unity.” quarterly ($100 minimum). The minimum remaining Contract Value after each excluding any Purchase Purchase Payment $100,000 Purchase Payment $100,000 Payments made within 12 - John A. Kouwenhoven, automatic withdrawal must be $10,000. There is no charge for automatic withdrawals, however a surrender charge may apply to amounts in excess of months of the deceased Maximum Anniversary Value $120,000 Maximum Anniversary Value $95,000 U.S. author, educator owner’s date of death. These calculations are intended to be used solely as a comparison of the effects of the Earnings the surrender charge-free withdrawal amount. See prospectus for more Account Value at Death $90,000 Account Value at Death $90,000 Enhancement Death Benefit. The calculations assume a single Purchase Payment, no withdrawals or complete details. Annual Reset Death Benefit $120,000 Annual Reset Death Benefit $100,000 surrenders, and investment performance as depicted by the "Maximum Anniversary Value," "Account Value at Death," and the "Annual Reset Death Benefit" values in each example. These calculations are 12 Withdrawals of earnings will be subject to income tax and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2. EEDB (40% x $20,000) $8,000 EEDB (40% x $0) $0 hypothetical only. They do not reflect past or future investment performance of any sub-account, which 5 ELEMENTS® classic 6 11 ELEMENTS® classic Total $128,000 Total $100,000 will fluctuate. Additional Purchase Payments and withdrawals or surrenders of Contract Value will change the effects of the Annual Reset Death Benefit and the Earnings Enhancement Death Benefit. C O N T R AC T F E AT U R E S Advantages of Tax-Deferral Jazz... Variable annuity contracts issued by Protective Life Insurance Company. TA X - D E F E R R E D E A R N I N G S T A X - A D VA N TA G E D I N C O M E O P T I O N S Securities offered by Investment Distributors, Inc. Both located at 2801 Highway 280 South, Birmingham, AL 35223 (Attn: IPD 3-7). All earnings accumulate without income taxes until withdrawn or distributed.Withdrawals Annuities have the ability to provide regular income payments that can last a lifetime, similar in of earnings will be subject to income tax and may be subject to a 10% IRS penalty tax if concept to an old-fashioned pension. This benefit is provided when the value of an annuity contract is captures the American imagination, much like dreams of success and Annuities are long-term tax-deferred investments intended for taken prior to age 59 ½. converted into a series of regular income payments, a process known as "annuitization." This benefit is Investment Distributors, Inc. and Protective Life Insurance Company are each independence. It symbolizes that which we aspire to achieve. retirement planning. Withdrawals of taxable amounts will be subject to unique to annuities. subsidiaries of Protective Life Corporation. income tax and may be subject to a 10% IRS penalty tax if taken prior to Sparked with emotion, Jazz offers a shared past of sorrows and triumphs. age 59 1/2. A surrender charge may also apply. Withdrawals have the N O N - TA X A B L E S U B - A C C O U N T T R A N S F E R S Annuity owners can typically choose from a variety of options how to receive income payments from their It plays to the beat of our days, giving legend to generations. effect of reducing any death benefit and cash surrender value. Policy form numbers IPV-2074, -2075 (and state variations thereof). A flexible annuities. The income payments can be guaranteed for life, no matter how long, or for a specified period Transfers between and among the investment options are not taxable. We may limit the of time. Other options may also be available. In addition, the income payment amounts can be fixed and premium deferred variable and fixed annuity contract. Neither a single note nor instrument carries this legend alone. The underlying portfolios in the Elements® Classic variable annuity may number of transfers to no more than 12 per year. For each additional transfer over 12 guaranteed or they can be variable - varying from one payment to the next as a reflection of the Through their unity, the sound and essence of the music is created. contain different investments than similarly named mutual funds offered by during each Contract Year, we may charge a $25 transfer fee. The limits do not apply to performance of the sub-accounts selected to support the payments. Additional benefits provided under endorsement and rider form numbers IPV- the investment managers. Investment results may be higher or lower. Dollar Cost Averaging or Portfolio rebalancing transfers. No transfers may be made into 2051, -2052, -2057, -2058 and -2059 (and state variations thereof). Your financial plans play out much the same way. the Dollar Cost Averaging Fixed Accounts. If the annuity contract was purchased with "after-tax" dollars Annuities are not deposits or obligations of, or guaranteed by, any bank or (non-qualified funds) then each income payment is generally considered to Planning for your retirement begins like a song’s first strains - a trumpet savings institution. Annuities are not insured by the Federal Deposit Insurance The maximum amount that may be transferred from the Fixed Account during a contract be part return of principal and part earnings on principal. Only the Product features and availability may vary by state. solo, perhaps. Soaring to encompass the piano, saxophone and a heartfelt Corporation or any other government agency. All guarantees are subject to CONTENTS year is the greater of (1) 25% of the value of the Fixed Account or (2) $2,500. The Fixed earnings portion of each income payment is taxable. Funds in singer, the music grows, as does your ability to save and invest. The piece the claims paying ability of the issuing insurance company. Annuities are INTRODUCTION Account may not be available in certain states. tax-qualified plans will be taxed according to the rules This sales brochure is authorized for distribution to prospective investors only closes to a satisfying refrain as your patience and discipline are rewarded subject to investment risk, including the possible loss of principal. About Annuities 3 applicable to such plans. when preceded or accompanied by a current prospectus for the funds and for the with the potential for a secure and comfortable life in retirement. CONTRACT P O RT F O L I O R E B A L A N C I N G Elements® Classic variable annuity contract. For more complete information FEATURES An Elements® Classic contract must be annuitized by (1) the The jazz great Charlie Parker once said, “Music is your own experience, about Elements® Classic and Protective Life Insurance Company, including all Purchase/Liquidity 5 earlier of any owner’s or annuitant’s 90th birthday or (2) the your own thoughts, your wisdom. If you don’t live it, it won’t come out Contract Fees Portfolio Rebalancing is a risk control technique that attempts to manage risk by restoring 10th contract anniversary, if later. See prospectus for charges and expenses, please read the prospectus. It should be read carefully of your horn.” Tax-Advantages 7 pre-determined weightings among various investments on a regular basis. In this manner, more complete details. before you invest or send money. This policy has limitations. For costs and Death Benefits 9 an investor’s allocation percentages are maintained over time even though the performance complete details of coverage contact your insurance agent or Protective Life The Elements® series of variable annuities are instruments designed to Earnings Enhancement of the various investments may differ. This can provide a relatively constant risk profile by Insurance Company. help people invest for retirement. Use them as an introduction to an Death Benefit 11 maintaining a stable allocation. orchestrated event, or as an ensemble’s finishing touch. Enhanced Spousal Continuation Benefit 12 Without Portfolio Rebalancing, the risk profile of a particular portfolio can While Protective Life offers interpretations of current law as it pertains to Nursing Home/ They’ll keep time with you through the best parts of your life! Terminal Illness Waiver 12 change depending on the relative performance of the underlying investments in annuities, the company does not give tax or legal advice. You should consult your WORLD CLASS “Music is either that portfolio. attorney or tax adviser regarding your individual situation. INVESTMENT MANAGEMENT good or bad, Portfolio Rebalancing is available quarterly, semi-annually or annually for all Managers & Funds 13 and it’s got variable sub-accounts and Model Portfolios. “Music is your own Model Portfolios 14 to be learned. experience, your own Fixed Account & Dollar Cost Averaging Fixed Accounts 15 You got tothoughts, your wisdom.” OUR COMPANY have balance,” About Protective Life 16 ~ Louis Armstrong, ~ Charlie Parker, U.S. jazz trumpeter Retirement Planning 17 U.S. jazz trumpeter. ELEMENTS® classic 2 7 ELEMENTS® classic 8 PLC.0108.1001 www.protective.com/annuities 10/01 Final Layout
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  • Army Times Ad Military Spouse AdPhotoshoot of Families and their quotes about the Family Covenant were collected for the campaign.
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  • The Ly Family,Serving Together for Thirteen years. ARMY FAMILY COVENANT: KEEPING THE PROMISE We recognize the commitment and increasing sacrifices that our families are making every day. We recognize the strength of our Soldiers comes from the strength of their Families. We are committed to providing Soldiers and Families a Quality of Life that is commensurate with their service. We are committed to providing our Families a strong, supportive environment where they can thrive. We are committed to building a partnership with Army families that enhances their strength and resilience. We are committed to improving Family readiness by: programs and services child care opportunities for Family members Learn more, visit ARMYOneSource.com to see what the Army Family Covenant can mean for you or someone you know.
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  • All Army Sports WCAP Ads Festival of the Arts Book Brochure Army Athletes Twitter Pg Image Set up of oversized materials: World Class Athlete Program (WCAP) Social Media Digital Ad Set up the file at 1/3 of the final size 8’ x 8’ • Collage Display the photos used should be at 300dpi (Yes, at the 1/3 size). Check with vendor on whether to use RGB or CMYK 16’ x 4’ - IMCOM Conference Counter (1 of 4 Core Competencies) WCAP Popup Display and Banner Pop - Counter Cross Account Posters The Armyʼs World Class Athlete Program (WCAP) Paralympic Program strives to enhance the rehabilitation, readiness and quality of life for injured Soldiers by providing top training to compete and succeed in national and international competitions and the Paralympic games. Contact the World Class Athlete Program today if you or someone you know has what it takes to be an Army Paralympian. To see a full list of Paralympic Sports, visit WCAP on the web. www.armywcap.com 719.526.3908 APCA Rack CardParalympic Ad APCA Display and 4Display - 20’ x 10’ Pop-ups Association of the Promotions of Campus Activities (APCA) Pop - Counter Video Presentation Army Family Covenant Truck wrap
  • V’s Contact Information Veronica Moore veronica.moore3@us.army.mil 210.808.0279