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Product Highlights

A tax-deferred annuity for retirement savings.
Issue Ages: 0-89

Customer Needs

Designed for more experienced investors seeking:

  • Potential of higher returns
  • Tax deferral
  • Death benefit protection
  • Retirement savings
  • Rollovers from retirement plans

Four Good Reasons to Sell Our Bonus Flexible Annuity

  1. For the first 12 months of the policy, the interest rate will be the current rate plus one percent
  2. There are a variety of payout options
  3. It includes a death benefit feature
  4. Your clients have access to their money
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Annuitization

Allows early annuitization after two years without surrender charges if applied to a payment option identified in the contract

Surrender Charges

Year 1 2 3 4 5 6 7 8 9
Charge 8% 8% 7% 6% 5% 4% 3% 2% 0%

Other Features

  • Competitive Rates
  • Systematic Withdrawal (surrender charges may apply)
  • Competitive Commissions
  • Variety of payout options
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Underwriting Guidelines

  • Issue ages: 0-89
  • Policy minimum: $1,200 minimum annual contribution for recurring premiums or $5,000 minimum single premium
  • Policy maximum: The sum of all premium payments may not exceed $1 million without home office approval
  • The maximum premium that may be contributed into this contract each contract year after the first contract year is the greater of 200% of the sum of premiums paid in the first contract year or $10,000

Death Benefit

The greater of the accumulation value minus any applicable premium tax

Licensing Requirements

  • State insurance license
  • Appointed with United of Omaha
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Liquidity

10% withdrawal with no surrender charge – available immediately. 1

$100 minimum/month

1 Tax penalties may apply

Policy Minimum

Single purchase payment - $5,000

Planned purchase payment - $100/month

($1,200 annually, $600 semiannually or $300 quarterly)

Investment Options

1-year fixed rate guarantee with 1% additional interest rate bonus included. 1

1 Additional 0.15% added to interest rate on purchase payment and accumulation values of $50,000 or higher.

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