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Cutting Edge Annuity Strategies: Popular FIAs, VAs, and Riders

Join Stoyan Petev, FHC VP of Advance Case Design, and Sarah Molitor, FHC Training & Communication Specialist, as they review overlooked annuity strategies, products, and riders. Learn about popular FIAs and VAs, accumulation FIAs, flex premium annuities, SPDAs, and guaranteed minimum withdrawal benefits.

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Cutting Edge Annuity Strategies: Popular FIAs, VAs, and Riders

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  1. December 19that 10:30 am

  2. Upcoming Webinars

  3. Who’s on the Call Stoyan Petev Sarah Molitor FHC Vice President of Advance Case Design FHC Training & Communication Specialist

  4. Agenda • Most Popular FIA • Most Popular Vas • Accumulation FIAs • Flex Premium Annuities • SPDAs • Guaranteed Minimum Withdrawal Benefits

  5. Objective • Review cutting edge annuity strategies, products and riders that are often overlooked by financial advisors.

  6. Most Popular FIAs YTD • Allianz • 222 • 360 • Core Income 7 • American Equity • Asset Shield • Income Shield • Great American • American Legend 7 • Safe Return • Landmark 5 • Nationwide New Heights

  7. Most Popular VAs YTD • Jackson National • Perspective II • Elite Access • Pacific Life Choice VA • AIG Polaris III • Lincoln ChoicePlus • Prudential Defined Income Annuity

  8. Interesting Accumulation FIAs • Reliance Standard Keystone 5 & 7 • A+ rated company • Great renewal history • Excellent caps (6.65% APP & 49% PR on K7) • EquiTrustMarketValue Index • Flex Premium • 55% Par Strategy, no cap • Integrity Indextra 7 or 10 • 107% guarantee on the 7, 110% on the 10 • Excellent for older ages – no commission reduction

  9. Interesting Flex Premium Annuities Cincinnati Life FPDA Guaranteed ROP 9-year surrender schedule No rolling surrender ANICOWQ Citadel 7 Guaranteed ROP 7 Year Surrender • Ameritas Compass FIA (8-year surrender charge) • A Rated Mutual Company, great renewal history • Low minimums to start • 3 Index Options • Great renewal history • Optional GMWB • True-up feature • No rolling surrender

  10. Interesting SPDAs • Integrity SPDA • No MVA • Guaranteed ROP • 7-Year Surrender Charge • Ameritas SPDA • No MVA • Guaranteed ROP • Bail-Out Feature • 4 Rate Bands • 7-Year Surrender Charge

  11. Interesting GMWBs • Lincoln i4Life Indexed Advantage • SPIA-like Annuitization • 3% Benchmark Index Rate for ages <54, 4% ages 55+, for increasing income option • Great planning opportunity in the NQ space: • Trusts • Annuities with low cost basis • Lower tax • Corporate-owned • Loss recapture, etc. • AIG Protector Plus Income • 7- or 10-year surrender options • 7.5% Step-Up • Guaranteed double in 10 years • Guaranteed RISING income for the first 10 years • Protective Income Builder FIA • 7-year Surrender • 8% Simple Rollup • Level or Guaranteed Rising Income

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