March 2012 - Page 2 of 2 - Creative Edge

During their golden years, retirees face many significant lifestyle changes. Some are positive, like gaining the ability to spend more time on the golf course or at the bridge table, more time playing with the grandchildren or gardening, more time reading or writing their memoirs, and more time taking long drives in the country or trips abroad. In essence, many retirees enjoy more of so many things they have spent their lives working toward and anxiously awaiting. In fact, they seem to have more of everything – except INCOME.

Annexus is proud to offer the new BAA 8S G is now available in Pennsylvania and New Jersey. The optional Family Endowment Rider (FER) and Income Advantage Riders will be available with this new product. Contact your Sales Consultant for rates and additional product details. 800.992.2642

Effective March 26, the guaranteed minimum rate for the AG Global Index, AG VisionAdvantage and AG VisionMaximizer series products will change. This includes changes to: the maximum index spread for the monthly average account, the guaranteed minimum participation rate for the annual point-to-point account and the guaranteed minimum index cap for the AG Global Multiple Index account. For current rates and details, contact your Sales Consultant. 800.992.2642

In part one of this series, we discussed the importance of helping business owners recognize and acknowledge the need for an exit plan. After all, according to a Wells Fargo/Gallup Small Business Index poll conducted in 2010, 47% of small business owners plan to never retire! Is that out of a desire to work or a perceived need to? It’s our job as the advisor to bring to light that we will not be able to work forever, and the businesses we’ve worked so hard to build can play a critical role in creating the retirement we want and deserve. In order to succeed in retiring profitably, as in business, we have to plan. Choosing the appropriate time to sell and maximize the value of the business as an asset is not as simple as listing it and waiting for the phone to ring – careful thought and preparation is imperative.

Available in most states March 7, the Athene Annuity MaxRate MYGA offers strong interest rate guarantees for five- and seven-year durations. Offer clients 3.85% year 1 and 2.85% years 2-5 in the five-year product and 4.15% year 1 with 3.15% guaranteed in years 2-7 on the seven-year product. For additional information and suitability training requirements, contact your Sales Consultant. 800.992.2642

Available March 5, Annexus is offering an income benefit rider whose value “rolls up.”  The income benefit base of this BalancedAllocation Lifetime Income Rider (BALIR) not only increases by 5% compounded annually, but the actual indexed linked interest credit is ADDED to the 5%. This is called the Stacked Growth Option. At this time, the Income Advantage Rider will be withdrawn in states where the BALIR is approved. Call your Sales Consultant for training requirements and additional details. 800.992.2642

Effective March 6, Aviva is implementing changes to the BalancedAllocation Annuity Series. For the BAA 8, the Premium Bonus Rider and Family Endowment Rider combined fee will decrease from 0.95% to 0.85%. The Premium Bonus Rider rate will adjust from 4% to 3%. For the BAA 10 and 12, the Balanced Allocation Strategy indexed allocation percentage will experience an increase. Call your Sales Consultant for complete details on all product adjustments. 800.992.2642