Non-Qualified, Deferred Compensation with AXA EquitableDon McNeill, ChFC
BrightLife Grow is a life insurance product that provides wealth accumulation, retirement income, and downside protection. It offers tax-deferred growth, access to indexed accounts with potential upside but protected from downside losses, and the ability to take tax-free loans or withdrawals. The product is designed to be efficient with lower costs than competitors, reliable with its 0% floor protecting against market losses, and flexible to allow customization and adapt to changing needs over time. It can be a way to supplement retirement savings like 401ks and IRAs by providing another source of tax-advantaged funds.
Option to the stock market. Indexed to market but no loss on down years.
Lifetime income
Bypasses probate
Protection against creditors (Texas)
832 471 0155
This document introduces the "Anti-AnnuityTM", which is described as Single Premium Indexed Universal Life insurance (SPIUL). It summarizes the credentials and experience of the advisors behind the product. The SPIUL is presented as a tax-advantaged alternative to annuities that allows tax-free growth and access to funds. Examples are given showing how SPIUL can be used to create larger tax-free inheritances than other options like annuities. It also describes how SPIUL can be used to avoid taxes on IRA and retirement account funds by transferring them into the life insurance product. Readers are encouraged to schedule a meeting with the advisors to learn more about SPIUL and how it can save on estate
The document provides an overview of financial planning topics including calculating net worth and cash flow, types of insurance, investing basics like diversification and dollar cost averaging, tax planning strategies, sources of retirement income, estate planning documents, and next steps for getting started with financial planning. The advisor, Kamal Wadhwa, offers these services through Ameriprise Financial in New Orleans to help clients chart a path to their financial future.
Understanding annuities once and for allKirk Ashburn
Your guide to understanding the fundamentals of annuities, including their pros and cons, in an easy to understand manner so you can make an educated decision. Is guaranteed income for the rest of my life important to me? Is protecting the downside of my investment important to my family? Will I sleep better at night knowing that my investment will not lose value if the market drops tomorrow?
A Fixed Indexed Annuity that pays a 12% Bonus to all deposits and transfers, (regular or IRA accounts). This Annuity will never lose money and also offers an optional Lifetime Income Rider.
This document discusses building a strong financial foundation. It emphasizes that building wealth responsibly through consistent saving and investment is better than get-rich-quick schemes. Some key aspects of a strong financial foundation discussed include paying yourself first by starting to save early, understanding how compound interest can grow your money over time, protecting your family with adequate life insurance, and creating an emergency fund to prepare for unexpected expenses. The overall message is that a patient, consistent approach to managing finances can help achieve financial security and goals.
Want to understand what products to buy to insure against outliving your money? Want to learn more about how to purchase a DIA? Use this Abaris guide to better understand the options available and whether you should think about buying a DIA.
Deferred income annuities are a useful tool for protecting your retirement savings , against longevity risk. Longevity risk is the risk that you live a lot longer than you expect, therefore outliving your money. So how do DIAs work? Let’s break it down. The deferred part means that after you pay the premium to purchase your annuity there will be a period ranging from a year to several years before you begin receiving income. The income part refers to the promise of an annuity to provide you with a fixed paycheck, received monthly or yearly. Finally, the annuity aspect refers to the insurance company’s promise to continue sending payments for as long as you live.
The deferral period, the time between purchase and payments, must be at least 1-2 years, but is often much longer. A 55 year old who purchases a DIA might defer payments until age 80-85. Why the wait? The longer you defer payments, the longer the insurance company has to invest your money, and the more it will grow, and the more the insurance company is willing to promise you. Additionally, the longer you stave off receiving payments, the more confident the insurance company is that they won’t have to pay you for too long, so the better price you’ll get.
Though the concept behind a deferred income annuity isn’t new, its sales have just begun to takeoff. In 2011, there was only one annuity provider selling a premium volume of about $50 million. By 2014, the premium volume rose to $2.7 billion and the number of providers jumped to 13. Through the Abaris platform, you have access to a number of insurers: MassMutual, AIG, Principal Financial Group, Lincoln Financial Group, Guardian, Symetra, Americo, and Pacific Life. The products offered by these insurers vary, in terms of price, flexibility of premium payment, ability to commute value, and many more aspects. Whatever the differences, though, reputable authorities, including The Wall Street Journal, The New York Times, CNN Money, and Barron’s, have all sung the praises of a DIA, sighting its simplicity, security, and better pricing for you, in terms of premium and payments.
DIAs are a powerful tool, but they’re not necessarily right for everyone. What makes for a good fit? If you’re age 45-65, pre-retirement or in early retirement, in at least average health, don’t need to access the money from the annuity income immediately, have no pension, have basic expenses greater than your Social Security can cover, and want a simpler annuity then chances are you’re a good fit. In addition to these attributes, a good candidate for a DIA can say with surety that they won’t need access to the money spent on the premium, as the product has no cash or redemption value.
Non-Qualified, Deferred Compensation with AXA EquitableDon McNeill, ChFC
BrightLife Grow is a life insurance product that provides wealth accumulation, retirement income, and downside protection. It offers tax-deferred growth, access to indexed accounts with potential upside but protected from downside losses, and the ability to take tax-free loans or withdrawals. The product is designed to be efficient with lower costs than competitors, reliable with its 0% floor protecting against market losses, and flexible to allow customization and adapt to changing needs over time. It can be a way to supplement retirement savings like 401ks and IRAs by providing another source of tax-advantaged funds.
Option to the stock market. Indexed to market but no loss on down years.
Lifetime income
Bypasses probate
Protection against creditors (Texas)
832 471 0155
This document introduces the "Anti-AnnuityTM", which is described as Single Premium Indexed Universal Life insurance (SPIUL). It summarizes the credentials and experience of the advisors behind the product. The SPIUL is presented as a tax-advantaged alternative to annuities that allows tax-free growth and access to funds. Examples are given showing how SPIUL can be used to create larger tax-free inheritances than other options like annuities. It also describes how SPIUL can be used to avoid taxes on IRA and retirement account funds by transferring them into the life insurance product. Readers are encouraged to schedule a meeting with the advisors to learn more about SPIUL and how it can save on estate
The document provides an overview of financial planning topics including calculating net worth and cash flow, types of insurance, investing basics like diversification and dollar cost averaging, tax planning strategies, sources of retirement income, estate planning documents, and next steps for getting started with financial planning. The advisor, Kamal Wadhwa, offers these services through Ameriprise Financial in New Orleans to help clients chart a path to their financial future.
Understanding annuities once and for allKirk Ashburn
Your guide to understanding the fundamentals of annuities, including their pros and cons, in an easy to understand manner so you can make an educated decision. Is guaranteed income for the rest of my life important to me? Is protecting the downside of my investment important to my family? Will I sleep better at night knowing that my investment will not lose value if the market drops tomorrow?
A Fixed Indexed Annuity that pays a 12% Bonus to all deposits and transfers, (regular or IRA accounts). This Annuity will never lose money and also offers an optional Lifetime Income Rider.
This document discusses building a strong financial foundation. It emphasizes that building wealth responsibly through consistent saving and investment is better than get-rich-quick schemes. Some key aspects of a strong financial foundation discussed include paying yourself first by starting to save early, understanding how compound interest can grow your money over time, protecting your family with adequate life insurance, and creating an emergency fund to prepare for unexpected expenses. The overall message is that a patient, consistent approach to managing finances can help achieve financial security and goals.
Want to understand what products to buy to insure against outliving your money? Want to learn more about how to purchase a DIA? Use this Abaris guide to better understand the options available and whether you should think about buying a DIA.
Deferred income annuities are a useful tool for protecting your retirement savings , against longevity risk. Longevity risk is the risk that you live a lot longer than you expect, therefore outliving your money. So how do DIAs work? Let’s break it down. The deferred part means that after you pay the premium to purchase your annuity there will be a period ranging from a year to several years before you begin receiving income. The income part refers to the promise of an annuity to provide you with a fixed paycheck, received monthly or yearly. Finally, the annuity aspect refers to the insurance company’s promise to continue sending payments for as long as you live.
The deferral period, the time between purchase and payments, must be at least 1-2 years, but is often much longer. A 55 year old who purchases a DIA might defer payments until age 80-85. Why the wait? The longer you defer payments, the longer the insurance company has to invest your money, and the more it will grow, and the more the insurance company is willing to promise you. Additionally, the longer you stave off receiving payments, the more confident the insurance company is that they won’t have to pay you for too long, so the better price you’ll get.
Though the concept behind a deferred income annuity isn’t new, its sales have just begun to takeoff. In 2011, there was only one annuity provider selling a premium volume of about $50 million. By 2014, the premium volume rose to $2.7 billion and the number of providers jumped to 13. Through the Abaris platform, you have access to a number of insurers: MassMutual, AIG, Principal Financial Group, Lincoln Financial Group, Guardian, Symetra, Americo, and Pacific Life. The products offered by these insurers vary, in terms of price, flexibility of premium payment, ability to commute value, and many more aspects. Whatever the differences, though, reputable authorities, including The Wall Street Journal, The New York Times, CNN Money, and Barron’s, have all sung the praises of a DIA, sighting its simplicity, security, and better pricing for you, in terms of premium and payments.
DIAs are a powerful tool, but they’re not necessarily right for everyone. What makes for a good fit? If you’re age 45-65, pre-retirement or in early retirement, in at least average health, don’t need to access the money from the annuity income immediately, have no pension, have basic expenses greater than your Social Security can cover, and want a simpler annuity then chances are you’re a good fit. In addition to these attributes, a good candidate for a DIA can say with surety that they won’t need access to the money spent on the premium, as the product has no cash or redemption value.
This document summarizes a Palladium Multi-Year Guarantee Annuity that offers guaranteed interest rates for periods between 3 and 10 years. It allows the policyholder to choose a guarantee period that fits their needs and lock in a competitive rate for that time. At the end of the guarantee period, the policyholder can withdraw funds without penalty, or continue the annuity at a new effective rate. The annuity offers tax-deferred growth, access to funds through withdrawals or waivers for health issues, and passes funds to beneficiaries free of surrender charges if the owner dies.
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
1. GenSource offers a structured income product called IncomeMax that provides guaranteed lifetime income payments along with growth opportunities.
2. IncomeMax allows contract owners to allocate funds across fixed and indexed strategies to generate tax-deferred growth while guaranteeing income in retirement.
3. The product provides guaranteed lifetime income payments equal to 7% of the contract value or guaranteed lifetime income value, whichever is greater, along with annual increases to protect against inflation.
Annuities are hard to understand for most retirees, this easy to read booklet explains the new types of annuities and the amazing features they have. Whether you’re looking to purchase an annuity or want information on your current annuities, this booklet provides all the answers you may be looking for.
This document discusses fixed index annuities as a retirement planning strategy. It notes that fixed index annuities offer guarantees of principal, tax deferral, flexibility, access to funds, and a lifetime income stream. They allow interest to be credited based on the growth of a chosen market index while protecting the principal. Fixed index annuities also guarantee income for life and can help address concerns about outliving one's savings.
This document provides an overview of World Financial Group and their services. They aim to help clients build and protect wealth through a respectful financial needs analysis process. Their services include term life insurance, annuities, retirement plans, and college savings vehicles. They emphasize basic financial concepts like managing rates of return, the power of starting early, and reducing taxes. The financial needs analysis evaluates a client's goals, protection needs, debts, cash flow, and wealth preservation.
Fixed index annuities (FIAs) provide principal protection and upside potential pegged to a stock index like the S&P 500, while locking in annual gains. They offer an alternative to stocks and mutual funds for building wealth securely. While FIAs cap annual returns, typically between 5.5-12%, they avoid losses when markets decline. FIAs started gaining popularity after the 2000-2002 market crash as a safer way to grow wealth. Compared to CDs, FIAs provide tax-deferred growth and often higher returns. FIAs use stock market returns but guarantee the principal will never decrease.
Certified financial planners | Equity Indexed Annuities | Retirement planningFind Me An Advisor™
This presentation from Find Me An Advisor™ will guide you through, how you can grow your retirement money with help of Certified Financial Planners with investment options like; equity indexed annuities, variable annuities and more to boost your retirement planning.
Not sure of how much you need for your retirement or if you can really afford the dream house. Then have quick look at these thumb rules, just to know if you are on right track.
Dividend Growth Investing: The Guide To Passive Income RetirementAndrew Li
The document discusses dividend growth investing (DGI) as a strategy for retirement. DGI aims to provide a predictable stream of cash flow through dividends to cover living expenses without selling stocks. It emphasizes owning stocks of well-established companies that regularly increase their dividends over time to benefit from compounding returns. Following a diversified portfolio of dividend-paying stocks from various sectors can potentially generate higher and more stable returns than the broader market over the long run. The document provides tips for building a solid DGI portfolio and monitoring investments to achieve financial independence through dividend income.
This document provides information about World Financial Group (WFG), including who they are, their mission and vision, strategic alliances, products offered, how to build income through WFG, and options to become a client or business owner. Key details include:
- WFG is a financial services company made up of an insurance agency and mutual fund dealer that offers products like mutual funds, insurance, and retirement plans.
- Their mission is to help families achieve financial independence and their vision is to build the world's best financial services organization.
- Associates can build income by helping families and receiving commissions, with examples showing potential monthly earnings ranging from $2,520 to $15,480.
- Options
Queensland Public Sector Discussion Group 20th October 2016 Presentation SlidesAlarka Phukan CPA, CMA
The document provides important information about the presentation and the organization providing it. It notes that the information is general in nature and shouldn't replace personal advice. It also discloses that the organization is ultimately owned by QSuper but is a separate legal entity responsible for the financial services it provides. The document wants to ensure readers understand certain details and limitations around the information.
Variable annuities and mutual funds are long-term investment vehicles designed for retirement. Variable annuities offer tax-deferred growth and death benefits while mutual funds allow for more flexibility but do not provide the same tax benefits. Both have associated fees that impact returns. Retirement planning should consider factors like longer lifespans, inflation, and rising healthcare costs to ensure adequate savings.
This document provides information on building a strong financial foundation. It discusses the importance of saving early and paying yourself first. Small regular savings can grow significantly over time, especially with compound interest. However, one must also pay more than the minimum on debts to avoid large interest costs, and create an emergency fund to prepare for unexpected expenses. The document emphasizes reducing debts, paying yourself first, making more money, building equity, and preserving your estate as key parts of a solid financial plan. Overall, the message is to start building a foundation now through disciplined savings and debt management.
The document compares two LIC plans - the existing Bima Bachat Plan 175 and the new New Bima Bachat Plan 816. Key differences include: the new plan provides survival benefits after 5 years instead of at maturity only, offers higher loan eligibility of 60% surrender value compared to 90% of special surrender value, and the policyholder bears service tax instead of LIC. Other items like backdating, paid-up value, and assignment/nomination remain unchanged between the plans.
This document provides information from FWB Financial Planning about personal financial planning. It discusses topics such as the importance of financial planning, inflation and its effect, various financial tools and investment options, and the power of compounding. It emphasizes that financial planning is important for goal achievement in a timely manner and outlines FWB's financial planning packages and process.
WFG provides an overview of their company beliefs and business model. They believe there is a need for financial education and guidance for middle-income individuals. WFG's business platform rewards both personal production and leadership development. Associates can earn income through personal sales, overrides on sales by those they recruit, and promotions. The presentation provides examples of earning potential at different levels. WFG emphasizes core values like integrity, family, and positivity. It encourages attendees to consider if the business could benefit them financially and if they are intrigued by the opportunity.
This document summarizes a fixed index annuity product called the Transamerica Secure Retirement Index Annuity. It offers downside protection, as the interest credited to policy values is guaranteed to never be less than zero. The annuity allows allocation of funds to a fixed account and two index accounts linked to the S&P 500 and MSCI EAFE indexes. A premium enhancement is applied to initial premium payments. The accumulation phase allows for tax-deferred growth potential while various payout options are available during the annuitization phase to provide guaranteed retirement income.
This document summarizes a fixed index annuity product called the Transamerica Secure Retirement Index Annuity. It offers downside protection, as the interest credited to policy values is guaranteed to never be less than zero. The annuity allows allocation of funds to a fixed account and two index accounts linked to the S&P 500 and MSCI EAFE indexes. A premium enhancement is applied to initial premium payments. The accumulation phase allows for tax-deferred growth potential while various payout options are available during the annuitization phase to provide guaranteed retirement income.
OneAmerica is an insurance company that offers participating whole life insurance policies. Dividends are a benefit of these policies that can increase cash value and death benefits without additional premium payments. Dividends are determined each year based on factors like mortality rates, expenses, and investment returns being lower than projected. Policyholders can choose to use dividends to purchase additional insurance coverage, receive cash payments, or reduce premiums. Hypothetical examples show how dividends can substantially increase long-term cash values and death benefit amounts compared to a non-dividend policy. OneAmerica has historically paid dividends even during financial crises, demonstrating their long-term commitment to policyholders.
This document summarizes a Palladium Multi-Year Guarantee Annuity that offers guaranteed interest rates for periods between 3 and 10 years. It allows the policyholder to choose a guarantee period that fits their needs and lock in a competitive rate for that time. At the end of the guarantee period, the policyholder can withdraw funds without penalty, or continue the annuity at a new effective rate. The annuity offers tax-deferred growth, access to funds through withdrawals or waivers for health issues, and passes funds to beneficiaries free of surrender charges if the owner dies.
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
1. GenSource offers a structured income product called IncomeMax that provides guaranteed lifetime income payments along with growth opportunities.
2. IncomeMax allows contract owners to allocate funds across fixed and indexed strategies to generate tax-deferred growth while guaranteeing income in retirement.
3. The product provides guaranteed lifetime income payments equal to 7% of the contract value or guaranteed lifetime income value, whichever is greater, along with annual increases to protect against inflation.
Annuities are hard to understand for most retirees, this easy to read booklet explains the new types of annuities and the amazing features they have. Whether you’re looking to purchase an annuity or want information on your current annuities, this booklet provides all the answers you may be looking for.
This document discusses fixed index annuities as a retirement planning strategy. It notes that fixed index annuities offer guarantees of principal, tax deferral, flexibility, access to funds, and a lifetime income stream. They allow interest to be credited based on the growth of a chosen market index while protecting the principal. Fixed index annuities also guarantee income for life and can help address concerns about outliving one's savings.
This document provides an overview of World Financial Group and their services. They aim to help clients build and protect wealth through a respectful financial needs analysis process. Their services include term life insurance, annuities, retirement plans, and college savings vehicles. They emphasize basic financial concepts like managing rates of return, the power of starting early, and reducing taxes. The financial needs analysis evaluates a client's goals, protection needs, debts, cash flow, and wealth preservation.
Fixed index annuities (FIAs) provide principal protection and upside potential pegged to a stock index like the S&P 500, while locking in annual gains. They offer an alternative to stocks and mutual funds for building wealth securely. While FIAs cap annual returns, typically between 5.5-12%, they avoid losses when markets decline. FIAs started gaining popularity after the 2000-2002 market crash as a safer way to grow wealth. Compared to CDs, FIAs provide tax-deferred growth and often higher returns. FIAs use stock market returns but guarantee the principal will never decrease.
Certified financial planners | Equity Indexed Annuities | Retirement planningFind Me An Advisor™
This presentation from Find Me An Advisor™ will guide you through, how you can grow your retirement money with help of Certified Financial Planners with investment options like; equity indexed annuities, variable annuities and more to boost your retirement planning.
Not sure of how much you need for your retirement or if you can really afford the dream house. Then have quick look at these thumb rules, just to know if you are on right track.
Dividend Growth Investing: The Guide To Passive Income RetirementAndrew Li
The document discusses dividend growth investing (DGI) as a strategy for retirement. DGI aims to provide a predictable stream of cash flow through dividends to cover living expenses without selling stocks. It emphasizes owning stocks of well-established companies that regularly increase their dividends over time to benefit from compounding returns. Following a diversified portfolio of dividend-paying stocks from various sectors can potentially generate higher and more stable returns than the broader market over the long run. The document provides tips for building a solid DGI portfolio and monitoring investments to achieve financial independence through dividend income.
This document provides information about World Financial Group (WFG), including who they are, their mission and vision, strategic alliances, products offered, how to build income through WFG, and options to become a client or business owner. Key details include:
- WFG is a financial services company made up of an insurance agency and mutual fund dealer that offers products like mutual funds, insurance, and retirement plans.
- Their mission is to help families achieve financial independence and their vision is to build the world's best financial services organization.
- Associates can build income by helping families and receiving commissions, with examples showing potential monthly earnings ranging from $2,520 to $15,480.
- Options
Queensland Public Sector Discussion Group 20th October 2016 Presentation SlidesAlarka Phukan CPA, CMA
The document provides important information about the presentation and the organization providing it. It notes that the information is general in nature and shouldn't replace personal advice. It also discloses that the organization is ultimately owned by QSuper but is a separate legal entity responsible for the financial services it provides. The document wants to ensure readers understand certain details and limitations around the information.
Variable annuities and mutual funds are long-term investment vehicles designed for retirement. Variable annuities offer tax-deferred growth and death benefits while mutual funds allow for more flexibility but do not provide the same tax benefits. Both have associated fees that impact returns. Retirement planning should consider factors like longer lifespans, inflation, and rising healthcare costs to ensure adequate savings.
This document provides information on building a strong financial foundation. It discusses the importance of saving early and paying yourself first. Small regular savings can grow significantly over time, especially with compound interest. However, one must also pay more than the minimum on debts to avoid large interest costs, and create an emergency fund to prepare for unexpected expenses. The document emphasizes reducing debts, paying yourself first, making more money, building equity, and preserving your estate as key parts of a solid financial plan. Overall, the message is to start building a foundation now through disciplined savings and debt management.
The document compares two LIC plans - the existing Bima Bachat Plan 175 and the new New Bima Bachat Plan 816. Key differences include: the new plan provides survival benefits after 5 years instead of at maturity only, offers higher loan eligibility of 60% surrender value compared to 90% of special surrender value, and the policyholder bears service tax instead of LIC. Other items like backdating, paid-up value, and assignment/nomination remain unchanged between the plans.
This document provides information from FWB Financial Planning about personal financial planning. It discusses topics such as the importance of financial planning, inflation and its effect, various financial tools and investment options, and the power of compounding. It emphasizes that financial planning is important for goal achievement in a timely manner and outlines FWB's financial planning packages and process.
WFG provides an overview of their company beliefs and business model. They believe there is a need for financial education and guidance for middle-income individuals. WFG's business platform rewards both personal production and leadership development. Associates can earn income through personal sales, overrides on sales by those they recruit, and promotions. The presentation provides examples of earning potential at different levels. WFG emphasizes core values like integrity, family, and positivity. It encourages attendees to consider if the business could benefit them financially and if they are intrigued by the opportunity.
This document summarizes a fixed index annuity product called the Transamerica Secure Retirement Index Annuity. It offers downside protection, as the interest credited to policy values is guaranteed to never be less than zero. The annuity allows allocation of funds to a fixed account and two index accounts linked to the S&P 500 and MSCI EAFE indexes. A premium enhancement is applied to initial premium payments. The accumulation phase allows for tax-deferred growth potential while various payout options are available during the annuitization phase to provide guaranteed retirement income.
This document summarizes a fixed index annuity product called the Transamerica Secure Retirement Index Annuity. It offers downside protection, as the interest credited to policy values is guaranteed to never be less than zero. The annuity allows allocation of funds to a fixed account and two index accounts linked to the S&P 500 and MSCI EAFE indexes. A premium enhancement is applied to initial premium payments. The accumulation phase allows for tax-deferred growth potential while various payout options are available during the annuitization phase to provide guaranteed retirement income.
OneAmerica is an insurance company that offers participating whole life insurance policies. Dividends are a benefit of these policies that can increase cash value and death benefits without additional premium payments. Dividends are determined each year based on factors like mortality rates, expenses, and investment returns being lower than projected. Policyholders can choose to use dividends to purchase additional insurance coverage, receive cash payments, or reduce premiums. Hypothetical examples show how dividends can substantially increase long-term cash values and death benefit amounts compared to a non-dividend policy. OneAmerica has historically paid dividends even during financial crises, demonstrating their long-term commitment to policyholders.
The document discusses various risks to consider for retirement planning such as longevity risk, inflation risk, and investment risk. It introduces variable annuities as a potential solution to help mitigate these risks by providing guaranteed lifetime income, protection against market downturns, and upside potential from stock market investments. Variable annuities can help secure retirement income through features such as living benefits and death benefits. Working with a financial advisor can help assess if a variable annuity is a suitable strategy for individual retirement goals and risk tolerance.
Jane decided to retire earlier than planned due to getting married. Her annuity's index crediting strategies have helped her contract value grow more quickly than traditional fixed strategies. Jim postponed retirement to help his kids and used his annuity's fixed strategies and premium enhancement to build a larger nest egg. Marty included money in his annuity inside his IRA for growth potential and downside protection during market volatility. The document discusses the features of the SecureLiving Index 10 Plus annuity, including index and fixed crediting strategies, a 3% premium enhancement, tax deferral, and access to funds.
The document describes an "Everything Solution" product that provides safety, liquidity, yield, growth, death benefits, and long-term care benefits. It is structured as an indexed universal life insurance policy that allows deposits between $100,000-$1,000,000. Account value grows based on S&P 500 index returns up to a cap, and is protected from losses by a floor. Policyholders can withdraw funds penalty-free and interest grows tax-deferred. Upon death, beneficiaries receive proceeds income tax-free. It also allows accelerating some death benefits tax-free for long-term care costs. Case studies show how the product provides growth, income, liquidity, and long-term care benefits for different
1. The document promotes attending town hall forums and meetings to discuss topics related to accessing capital, financial planning, and business leadership.
2. It advertises over 100 job openings and opportunities for career development in fields like marketing, executive coordination, and insurance.
3. Private equity funding is available for startups and businesses with a minimum of two years in business and a credit score over 650, with maximum funding of $3 million.
This document summarizes the benefits of an indexed annuity product called Benefit Gold. It discusses how indexed annuities can provide returns linked to market indexes while protecting the principal amount. The document outlines several crediting methods and indexes available under the product. It also highlights some key benefits including a 5% premium bonus, lifetime income rider, death benefit, and penalty-free withdrawal options.
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the 3-legged stool model of pensions, Social Security, and personal savings. It also explains concepts like the Rule of 72 for calculating investment growth and outlines options for working with the company, including becoming a client or pursuing a part-time or full-time career.
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.
This document describes the Transamerica Retirement Income Plus variable annuity. It offers lifetime withdrawals with rates between 4-6.5% depending on age. The annuity simplifies retirement planning by reducing choices to investment selection and contribution amount. It aims to grow and protect retirement income through features like annual compounding when withdrawals are not taken. The annuity addresses challenges retirees face like rising lifespans, declining pensions, and low interest rates.
The document introduces the M Financial Group and their "Super Roth" deferred compensation strategy. It summarizes that the strategy allows tax-free growth and tax-free withdrawals through a company-sponsored plan with life insurance funding. It provides hypothetical examples showing how the "Super Roth" strategy could provide higher total and spendable retirement benefits than traditional pension or personal investment strategies by diversifying accumulations and hedging against future tax increases.
Income reward sales aid 1412 ukv5 income1_v10_final-2Brian Boyd
The Secure Advantage+ plan from AXA Life Europe is a pension plan designed to help investors achieve three financial objectives: 1) A guaranteed lifetime income, 2) Investment choice and income flexibility, and 3) Ability to pass on remaining wealth. The plan offers a lifetime income benefit guaranteeing income for life as well as potential investment growth opportunities and flexibility to take income or lump sums as needed in retirement.
Primerica is the largest independent financial services marketing organization in North America. It was founded in 1977 and is listed on the New York Stock Exchange. Primerica offers a variety of financial products and services to help clients achieve their financial goals through a complimentary Financial Needs Analysis.
This document discusses annuities as safe money products that can help preserve wealth and provide financial growth and secure retirement. It provides information on different types of annuities including fixed annuities, which offer guaranteed minimum interest rates and tax advantages, and variable annuities, which carry investment risk. The document outlines benefits such as tax deferral, death benefits, and guarantees as well as factors to consider like fees, liquidity, and maturity dates when evaluating annuities.
We provide a business platform to
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This document provides information about the Transamerica Secure Retirement Index Annuity, a fixed index annuity issued by Transamerica Life Insurance Company. The document is intended for agent use only and not for use with the public. It discusses features of the annuity such as index account options, surrender charge periods, living benefits, and other product details. The overall purpose is to educate agents on the Transamerica Secure Retirement Index Annuity so they can help clients plan for a more secure retirement.
Description of key fixed index annuity benefits, including annual point to point, guaranteed living withdrawal benefits, tax deferral, lifetime income, portfolio optimization, principal protection, social security, fixed annuity, inflation protection, retirement plans, liquidity.
This document provides an overview of annuities, including:
- Annuities are insurance contracts that allow individuals to save money on a tax-deferred basis and receive guaranteed lifetime income in retirement.
- Premiums are invested and earnings accumulate tax-deferred, while payouts in retirement are partially taxed as ordinary income.
- Annuities offer benefits like guaranteed lifetime withdrawals, death benefits for beneficiaries, and options to convert savings into fixed or variable lifetime income payments.
- Factors like investment performance, age, and payout options chosen determine the amount of annuity income received in retirement.
This document summarizes the key features and benefits of the Athene Agility fixed indexed annuity. It discusses how the annuity provides growth potential through indexed crediting strategies while protecting against downside risk. It also describes how the annuity offers lifetime income through rider benefits as well as access to funds through liquidity features. The document provides an overview of Athene Annuity and Life Company's financial strength ratings to demonstrate its stability and ability to pay benefits.
Transamerica Agency Network provides an overview of their company strategy, opportunities for agents, and the products and services offered. Their strategy focuses on helping customers achieve lifetime financial security through profitable growth and delivering appropriate solutions. As an agent, you would have access to training, tools, and support to build your own business and help clients with needs like life insurance, retirement planning, and more. Transamerica offers a wide portfolio of insurance and annuity products from highly rated insurance carriers.
This document summarizes an Affordable Choice fixed indemnity insurance plan from ManhattanLife Assurance Company. The plan provides fixed daily benefits for hospital stays, surgery, doctor visits, and other medical costs. It highlights example payout scenarios and compares benefits between the Elite, Plus Elite, Classic, and Plus Classic plan options. The plan also discusses value-added benefits through partnerships with MultiPlan and RXedo that provide discounts on healthcare and prescription drugs.
This document summarizes a cancer-only insurance plan from Transamerica that helps pay medical expenses related to cancer treatment. The plan pays specified inpatient and outpatient cancer treatment expenses directly to the policyholder. Benefits include payments for hospital room and board, surgery, prescription drugs, and other expenses up to certain dollar limits. The plan is guaranteed renewable for life as long as premiums are paid, but benefits and premiums may be reduced at age 65. The plan includes exclusions and is meant to supplement other health insurance.
This document provides an overview of three final expense insurance plans - Immediate Solution, 10 Pay Solution, and Easy Solution - offered by Transamerica Life Insurance Company. It summarizes key details of the plans, including coverage amounts, issue ages, premium structures, and optional riders. The plans are presented as alternatives for individuals who believe Social Security or Veterans benefits will not fully cover their end-of-life expenses, which are estimated to average over $24,000. The document promotes the plans as ways to financially protect loved ones from the burden of funeral costs.
The document discusses a life insurance policy that provides death benefit protection while also allowing policyholders to access a portion of the death benefit if diagnosed with a critical or chronic illness. It provides an example of a 45-year-old man who suffers a heart attack and accelerates 90% of his $500,000 policy, receiving $268,219 to pay medical bills and other expenses while keeping $50,000 of the death benefit for his family. It also gives an example of a man who develops rheumatoid arthritis at 55 and can accelerate portions of his policy annually to pay for health care costs while preserving the rest of the savings for his family and retirement. The policy is presented as a way for clients to prepare for unexpected medical
This document provides information on training that can be conducted at an office to teach various bookkeeping skills in QuickBooks and Xero, such as entering checks, deposits, payments, bills, and running financial reports. It also lists contact information for scheduling a 3-hour on-site training session for $199. Additionally, it describes monthly bookkeeping services that can be provided for small businesses using QuickBooks or Xero, including bank reconciliation, transaction classification, and producing financial statements.
This document provides an overview of QuickBooks training that can be conducted on-site for $249, with sessions lasting 2-3 hours. The training covers how to perform key financial tasks in QuickBooks like inputting checks, recording deposits, receiving payments for accounts receivable and accounts payable, deleting transactions, preparing and downloading imports, and running financial reports like the profit and loss statement and balance sheet. It also includes how to enter bills in QuickBooks.
The document provides an overview of index universal life insurance policies offered by Transamerica Financial Foundation that allow policy owners to allocate premiums across different index and interest accounts. The policies offer a guaranteed minimum interest rate while also providing the potential to earn excess interest credits linked to changes in the S&P 500, Euro Stoxx 50, and Hang Seng indexes, up to stated caps. Historical index performance data and hypothetical returns applying the current rates/caps are presented to illustrate how the policies' interest credits are calculated.
The document discusses final expense life insurance policies that can help cover funeral and other end-of-life costs. It notes that final expenses like funerals can cost thousands of dollars, but many Americans incorrectly believe that government programs will fully cover these costs. The document then provides details on three final expense life insurance policies - Immediate Solution, 10 Pay Solution, and Easy Solution - that offer coverage from $1,000 to $50,000 with no medical exams required. Riders are available to accelerate the payout for qualifying health issues. Worksheets are included to help estimate costs and determine the appropriate coverage amount.
The document describes how the author's father died when she was 12, leaving her family without much financial support or life insurance. This caused the family to struggle financially, sometimes without electricity or water. The author had to grow up quickly to help support the family. She is now in college studying computer science thanks to a scholarship. The author concludes that while life insurance cannot bring a parent back, it can make the aftermath of their death easier for those left behind by providing financial support.
1. A buy-sell agreement is a legally binding contract that establishes the terms for purchasing a business owner's interest upon events like death, disability, or retirement. It determines who will purchase the interest (usually the business or other owners) and how the purchase price will be valued.
2. An entity buy-sell agreement provides that the business will purchase a deceased owner's interest, using life insurance policies on each owner to fund the purchases.
3. The business pays the non-deductible premiums on the policies and receives tax-free death benefits to purchase the interests from the deceased owners' estates according to the terms of the buy-sell agreement.
The document describes the Trendsetter Super term life insurance policy. It provides protection for families and businesses by paying out a death benefit if the policyholder passes away. Key features include coverage amounts up to $10 million, initial term periods of 10-30 years with fixed premiums, and optional riders. The goal is to help protect loved ones financially from the unexpected loss of income.
This document describes the Dynamax whole life insurance policy from Transamerica Premier Life Insurance Company. It offers permanent life insurance protection, cash value accumulation, and guarantees. Some key features include a guaranteed level death benefit and premium, tax-free death benefits, and tax-deferred cash value growth. It also lists various rider options like waiver of premium, children's term, and accidental death benefits. The document promotes relying on Transamerica for over a century of financial strength and customer dependability.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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Indexannuity
1. GROWTH, PROTECTION AND INCOME
TRANSAMERICA SECURE RETIREMENT INDEX® II ANNUITY
TransamericaSecureRetirementIndex®IIAnnuityisissuedbyTransamericaLifeInsuranceCompanyinCedar
Rapids,Iowa.NotavailableinNewYorkorMontana.
Thismaterialwaspreparedforgeneraldistribution.Itisbeingprovidedforinformationalpurposesonlyandshouldnotbeviewedasan
investmentrecommendation.Ifyouneedadviceregardingyourparticularinvestmentneeds,contactafinancialprofessional.
AFIXEDINDEXANNUITYISNOTASECURITYandfixedannuitypoliciesarenotaninvestmentinthestockmarketorinfinancialmarket
indexes.Indexaccountinterestisbased,inpart,onindexperformance.
Pastperformanceofanindexisnotanindicationoffutureindexperformance.Thereisnoguaranteethattheindexinterestratewillbe
greaterthanzeropercent.ThereisnoguaranteethattheCompanywilldeclareaninterestrategreaterthantheguaranteedminimum
effectiveinterestrate.
2. 2
PREPARING FOR RETIREMENT IS
NEVER GOING TO BE THE SAME
Thisbrochureisintendedtoprovideyouanoverviewofthefeatures
andguaranteesoftheTransamericaSecureRetirementIndex®II
Annuity.Furtherimportantdetailscanbefoundintheenclosed
FactSheet,TransamericaSecureRetirementIndex®IIAnnuityRates
FlyerandStatementofUnderstanding.Pleasereadthemcarefully.
Preparing for retirement doesn’t
have to be a challenge. Even with
low interest rates, potential market
downturns and a retirement that
could last 30 years or more, there are
options that can help. One solution
includes the opportunity for greater
interest earnings potential than
traditional conservative products
while protecting the money you’ve
worked so hard to earn.
IT'S TIME TO BREAK WITH TRADITION...
3. If you want more than traditional options for retirement, you may be looking for new alternatives
offering protection for a portion of your retirement savings, a way to continue to accumulate assets
and a source of retirement income that you can't outlive.
A new opportunity to help protect and grow a portion of your retirement savings is here.
Introducing the Transamerica Secure Retirement Index® II Annuity.
1
HypotheticalAssumptions:Annualincomefroma$500,000investmenton12/31ofeachyearbasedonthe10-yearU.S.TreasuryConstantMaturity
Rate.ChartSource:BoardofGovernorsoftheFederalReserveSystem.
TIMES HAVE CHANGED
IT'S HARDER TO RETIRE TODAY1
$12,000
1987 20171997 2007
$44,150
$28,750
$20,200
$500,000 would provide
$32,150 less income today than
it would have three decades ago
It used to be that as retirement approached, we would shift assets to more conservative products to
help reduce risk. Now, interest rates have been so low for so long, we may forget how fixed income
historically could fund an active retirement lifestyle.
33
4. All contract guarantees described in this brochure are based on the claims-paying ability of
Transamerica Life Insurance Company, Cedar Rapids, Iowa.
The premium enhancement is not intended to reimburse surrender charges on an annuity replacement.
The Transamerica Secure Retirement Index® II Annuity may help you retire with greater confidence
and offers the unique combination of benefits that only a fixed index annuity provides, including:
FACE RETIREMENT WITH
MORE CONFIDENCE
GROWTH POTENTIAL
Receive an initial premium enhancement to your Policy Value and
growth opportunities based on the positive performance of an index
PRINCIPAL PROTECTION
Your premium and any future interest earnings are 100% protected
from market losses
LIFETIME INCOME
Add an optional lifetime benefit that, for an additional fee, provides
a guaranteed stream of retirement income you can't outlive2
2
LifetimeincomeisavailablethroughtheoptionalTransamericaIncomePlus®LivingBenefitriderforanadditionalcostorannuitizationatno
additionalcost.Certainrestrictionsandlimitationsapply.
A FIXED INDEX ANNUITY is a contract issued by an insurance company. Transamerica Secure Retirement
Index® II is a modified flexible premium annuity that allows additional premium payments during the first
year of your contract.
Allocations to an index account are not an investment in the stock market or indexes, nor do they participate
directly in any equities, commodities, fixed income or currencies. It is not possible to invest directly in an index.
Please see the Key Terms and Definitions and Fact Sheet for more information.
4
5. Thishypotheticalexampleisprovidedforillustrativepurposesonlyanddoesnotreflectanyspecificcontract,indexorindexaccount.Assumesno
optionalridercharges,withdrawals,withdrawalchargesorpremiumenhancementrecapturecharges(ifapplicable),whichwillreducePolicyValue.
PROTECT AND GROW
Index Accounts protect your Policy Value from negative market performance and offer growth
potential by locking in interest earnings based in part on the positive movement of an index.
Any index growth that will be locked-in to your Policy Value at the end of each Crediting Period is
subject to the Participation Rate and Spread.
A one-year fixed account is also available where interest is credited daily and compounded
annually. All current Index Accounts are uncapped, offering unlimited earnings potential. One or
more capped Index Accounts, which include a maximum rate of interest you may receive during
a Crediting Period, may become available in the future. Please see the Key Terms and Definitions,
Fact Sheet and Rate Flyer for more information.
GROWTH POTENTIAL AND PRINCIPAL PROTECTION
Term 1 Term 2 Term 4Term 3 Term 5
IndexPolicy Value Policy Value lock-in
PRINCIPAL PROTECTION: Your
Policy Value will not be impacted
by negative market performance
GROWTH POTENTIAL: Lock in
any interest earnings at the
end of each Crediting Period
CREDITING PERIOD
Initial Premium
PREMIUM
ENHANCEMENT
5
6. SECURE A SOURCE OF GUARANTEED
LIFETIME INCOME
Today's retirees are expected to live longer than any generation in history. Create a pension-like
stream of income for all the years you have ahead of you with the Transamerica Income Plus®
living benefit. This optional benefit is available for an additional annual cost and provides:
GUARANTEED 10% SIMPLE ANNUAL INCOME GROWTH
Your Withdrawal Base, which is used to calculate your lifetime income, is guaranteed
to grow at 10% simple interest for 10 years, provided no withdrawals are taken3
GUARANTEED RETIREMENT INCOME YOU CAN’T OUTLIVE
You are guaranteed to receive lifetime income once you start taking withdrawals,
even if you live to age 100 or more4
10%
3
The Withdrawal Base is different from the Policy Value, cannot be withdrawn in a lump sum and is
used only for the calculation of the guaranteed lifetime withdrawal benefit.
4
The living benefit withdrawal amount is guaranteed for the rest of your life (or both you and your
spouse with the joint life option) as long as you do not take excess withdrawals. While excess
withdrawals are permitted, they will reduce your guaranteed lifetime withdrawal benefit. If a
withdrawal in excess of the living benefit withdrawal amount causes the policy value to reach zero,
the living benefit and policy will terminate and no more benefits are payable.
Please see the Key Terms and Definitions and the Statement of Understanding for more information.
6
7. Transamerica Income Plus® guarantees that your future income will grow at a minimum 10% simple
interest during the first 10 years when no withdrawals are taken. The graph and table below show how
your future retirement income grows and how you can determine your guaranteed lifetime income.
GUARANTEED ANNUAL WITHDRAWAL RATES
When you're ready to begin lifetime income at age
50 or later, this table shows the percentage of your
Withdrawal Base you will receive every year. Your
guaranteed annual withdrawal rate is based on your
age, or the age of the youngest annuitant if you want
to provide lifetime income for yourself and your
spouse, at the most recent policy anniversary.
Withdrawals of taxable amounts are subject to
ordinary income tax and may be subject to a 10%
additional federal tax if withdrawn before age 59½.
AGE SINGLE LIFE JOINT LIFE
50 - 54 [3.40%] [2.90%]
55 - 59 [3.90%] [3.40%]
60 – 64 [4.40%] [3.90%]
65 – 69 [4.90%] [4.40%]
70 – 74 [5.40%] [4.90%]
75 - 79 [5.90%] [5.40%]
80 - 84 [6.40%] [5.90%]
85+ [6.90%] [6.40%]
GROW YOUR FUTURE
RETIREMENT INCOME
$140,000
$160,000
$180,000
$200,000
$220,000
$100,000
$120,000
$80,000
1 4 7 9 102 53 6 8At issue
GUARANTEED MINIMUM ANNUAL INCOME GROWTH
Hypotheticalassumptions:$100,000premium.Thishypotheticalexampleisprovidedforillustrativepurposesonlyanddoesnotreflectanyspecific
contract,indexorindexaccount.Assumesnowithdrawalsorwithdrawalcharges,whichwillreducethePolicyValue.Formoreinformationonthe
livingbenefit,pleaseseetheKeyTermsandDefinitions.ForPremiumEnhancementratesanddetails,pleaserefertotheenclosedFactSheet.
Guaranteed 10% growth
of the Withdrawal Base
every year for 10 years
+10%
Premium
Enhancement
+10%
+10%
+10%
+10%
+10%
+10%
+10%
+10%
+10%
Withdrawal Base
The Withdrawal Base will be
more than double the original
premium after 10 years
Year
Guaranteed
Income for Life
7
8. Annuitization
Annuitization options allow you to convert your Policy Value into a stream of guaranteed income that can last for your life, the life
of you and a designated second person or for a specific period of time.
Cap
The maximum rate of interest that the Index Interest Rate may be for a Crediting Period. All current Index Account options are
uncapped, though one or more capped options may become available in the future.
Crediting Period
The time between when an allocation is made to an Index Account and interest earnings are calculated and credited. During this time
the index, Participation Rate, Cap (if applicable) and Spread are guaranteed. The Participation Rate, Cap (if applicable) and Spread
are subject to change in each additional Crediting Period.
Death Benefit
Should you, as the annuitant, pass away before annuitizing your contract, we pay the death benefit to your beneficiary. The
amount of the death benefit will be the greater of the Policy Value or the minimum required cash value. If the annuitant passes
away after annuitization, depending on the annuitization option you choose, we will pay the remaining annuitization payments, if
any, to your beneficiary. For more information, please see the Death Proceeds section of the policy.
Fixed Account
Any portion of your Policy Value allocated to the Fixed Account will be credited interest daily based on a fixed rate. The interest
rate will be credited for a one year Crediting Period, with a minimum annual rate of [1%] during the surrender charge period and
[0.25%] after.
Free Withdrawals
The free withdrawal amount is 10% of your total premium payments each policy year. Withdrawals in excess of the free
withdrawal amount will be subject to a surrender charge and premium enhancement recapture. Withdrawals and surrender
may be subject to federal and state income tax and, except under certain circumstances, will be subject to an additional tax if
taken prior to age 59½. Surrender charges are a percentage of the premium amounts withdrawn from the Policy Value. Premium
Enhancement Recapture applies to the premium enhancement only (not applicable in CT). For surrender charge and premium
enhancement recapture schedules, please refer to the enclosed Fact Sheet.
Index Account
At the beginning of each Crediting Period, you may allocate your Policy Value to one or more Index Accounts. Each Index Account will
include an index and Participation Rate and a Spread. Index Accounts are used to calculate interest earnings, if any, at the end of each
Crediting Period. Please see the Rate Flyer for more information, including guaranteed minimum participation rates and caps and
maximum spreads.
Participation Rate
The percentage of any index growth that will be credited to your Policy Value as interest earnings.
Policy Value
Atissue,thePolicyValueisthetotalofthepremiumpaymentplusthepremiumenhancement.AtthebeginningofaCreditingPeriod,
thePolicyValuemaybeallocatedtooneormoreIndexAccountsortheFixedAccount.AttheendofeachCreditingPeriod,interest
earnings,ifany,areaddedtothePolicyValue.OptionallivingbenefitriderfeeswillreducethePolicyValue.
KEY TERMS AND DEFINITIONS
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9. Nursing Care and Terminal Illness Condition Waiver
Beginning in the first policy year, you may withdraw up to 100% of your annuity’s value if you, as the owner, or your spouse has
been confined in a hospital or Nursing Facility for 30 consecutive days or diagnosed with a Terminal Condition. Any applicable
surrender charges will be waived. For more information, please see the Statement of Understanding.
Required Minimum Distributions
Any applicable surrender or premium enhancement recapture charges will be waived for withdrawals taken to satisfy required
minimum distribution requirements after turning age 70½ based solely on this policy.
Spread
The Spread is a percentage that is deducted from the Index Interest Rate when interest is calculated and credited. A Spread will
never reduce interest earnings in a Crediting Period below zero percent.
Unemployment Waiver
Beginning in the first Policy Year, you may withdraw up to 100% of your annuity’s value if you, as the owner, or your spouse
becomes unemployed for 60 consecutive days. In order to qualify, you or your spouse (1) must have been employed full-time
for at least two years prior to becoming unemployed and (2) must have been employed full-time on your Policy Date. Any
applicable surrender or premium enhancement recapture charges will be waived. For more information, please see the Statement of
Understanding.
LIVING BENEFIT
Transamerica Income Plus® living benefit must be elected at contract issue and is available for an annual fee of [1%] of the
Withdrawal Base, which is deducted quarterly from the Policy Value. This fee percentage can increase in any year when an
automatic step-up is applied up to the policy maximum of 1.75%. If the fee percentage increases, the owner has 30 days after the
living benefit anniversary to reject an automatic step-up and retains the right to all future automatic step-ups if they reject one.
Because the fee is a percentage of the Withdrawal Base, the amount of the fee will fluctuate if the Withdrawal Base increases or
decreases. The fee could reduce your Policy Value below your original premium. It is important to note that if you purchase the
Transamerica Income Plus® living benefit prior to age 50, the living benefit fee will still be charged even though lifetime income is
not available until age 50. Should you pass away while receiving benefits, your beneficiary will receive a death benefit equal to any
remaining Policy Value.
Withdrawal Base
The Withdrawal Base, initially equal to your Policy Value, is used to determine the annual living benefit withdrawal amount and
rider fee. The Withdrawal Base can increase through additional premium payments, the guaranteed annual growth rate or through
an automatic step-up. Excess withdrawals (amounts greater than the Withdrawal Base multiplied by the annual withdrawal rate or
annual RMD amount) will reduce the Withdrawal Base by the greater of Pro Rata or Dollar for Dollar. Please see the Statement of
Understanding for more information.
Annual Withdrawal Rate
The first withdrawal from your policy will lock in your annual withdrawal rate; however, an automatic step-up in the Withdrawal
Base will increase the annual withdrawal rate if a new attained age band has been achieved.
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10. YOUR SECURE RETIREMENT
TAKE THE NEXT STEP TOWARD
TALK WITH YOUR FINANCIAL PROFESSIONAL TO LEARN MORE ABOUT
THE TRANSAMERICA SECURE RETIREMENT INDEX® II ANNUITY
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