Meet client needs with the diversified annuity portfolio solution

You’re probably familiar with the saying, “Don’t put all your eggs in one basket.” For clients who experienced a great deal of loss in the market crash of 2008, this phrase rings resoundingly true. Given the challenging economic environment we continue to face, the benefits of indexed annuities have never been more apparent. They offer clients:

  • Principal protection from market downturns
  • The potential for index interest growth
  • Safety backed by strong and well-regulated insurance companies

But what if there’s a way to create an even larger benefit for clients using a diversified annuity portfolio? This concept involves participating in various annuity crediting strategies that are not correlated with one another to increase the chance of earning interest credits even if the market drops.

First, let’s take a step back and talk about correlation. Correlated assets are those with values that automatically move together. For example, most index crediting methods are correlated with the S&P 500® or other similar indices. When those individual markets perform well, a client’s credited interest would increase. When those markets decline, a client would receive no interest credits. By incorporating an alternative index crediting option based on an underlying index that is non-correlated to traditional, equity-based indices, you can help provide clients with diversification.

Creative is proud to be one of four IMOs offering such a crediting option available with the Total Value Annuity from Security Benefit Life Insurance Company. The 5 Year Annuity Linked TVI (ALTVI) is historically non-correlated with the S&P 500 and other indices commonly used as a basis for index interest credits. It also featured uncapped interest potential*with a 100% participation rate.

With industry-leading accumulation, death benefit and income benefit options, this annuity may be perfectly suited for today’s consumer.

Diversified Annuity Portfolio featuring the Total Value Annuity

>> Download the “Diversified Annuity Portfolio featuring the Total Value Annuity”

In summary, combining the Total Value Annuity’s ALTVI crediting option with other indexing options available from other annuities may generate a safe means to increase the likelihood of clients receiving credited interest with less total risk. To walk through the complete solution step by step, download your copy of “The Diversified Annuity Portfolio, Featuring the TVA.

Then, visit www.creativemarketing.net/tva for complete product details and access to a resource library that you can use when working with your Annuity Sales Consultant to incorporate this strategy with clients.

* A .50% annual spread currently applies to the 5 Year Annuity Linked TVI Index Account. Depending on market conditions, a participation rate may also apply in the future.

FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12675 – 2013/2/13

The Security Benefit Total Value Annuity (Form 5700 (3-12) and ICC12 5700 (3-12)), a fixed index flexible premium deferred annuity contract, and the Guaranteed Lifetime Withdrawal Benefit Rider (Form 5720 (3-12) and ICC12 5720 (3-12)) and Guaranteed Minimum Death Benefit Rider (Form 5721 (3-12)), optional riders available for purchase with the Security Benefit Total Value Annuity and for which a monthly premium is charged, are issued by Security Benefit Life Insurance Company (SBL), Topeka, KS. Product features, limitations and availability may vary by state. Guarantees provided under the Total Value Annuity and its optional riders are subject to SBL’s financial strength. To learn more about the features and benefits, including their limitations and restrictions, and applicable charges, please refer to the Total Value Annuity Contract, Income Rider, Death Benefit Rider and Statement of Understanding.

Standard & Poor’s®, S&P®, S&P 500® and Standard & Poor’s 500TM are trademarks of Standard & Poor’s and have been licensed for use by Security Benefit Life Insurance Company. This Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing these products.

TVI, TVI Index, Trader Vic Index, and EAM are trademarks of EAM Partners L.P. (“EAM”) and have been licensed for use by Security Benefit Life Insurance Company. EAM created and owns rights to the methodology that is employed in connection with the Trader Vic Index™. The Annuity Linked TVI Index, ALTVI, RBS, The Royal Bank of Scotland and the DAISY device logo are trademarks of The Royal Bank of Scotland Group plc and have been licensed for use by The Royal Bank of Scotland Group plc (together, “RBS”) and have been licensed for use by Security Benefit Life Insurance Company. This product is not sponsored, endorsed, sold or promoted by either EAM or RBS, and neither EAM nor RBS make any representation regarding the advisability of purchasing these products.

** As low as 10% (in the event of very high volatility) to as high as 150% (in the event of very low volatility). Historical average as of August 2012 = 94.0%.

Join the conversation