Safe
Harbor Financial is constantly on
the lookout for new and exciting products.
We strive to keep you updated with
information on the constantly changing
and growing marketplace.
To
the left is a list and brief explanation
of some of the newest products available
in the market place today.
Conseco
Insurance Company
Forethought Life Insurance Company
Destination Income 15 SM
Destination Income 15 SM is a single premium deferred indexed annuity that features a Guaranteed Lifetime Income Account (GLIAV). A 15% Bonus is applied immediately to the GLIAV. This account features a 100% participation rate, no caps or fees and is guaranteed to be at least 115% of premium, less withdrawals, accumulated at 5% interest on the date the benefit is exercised. The Guaranteed Lifetime Annual Income is equal to 5% of the GLIAV. This product has a 10-year surrender period and pays 9% commission ages 0-75.
American Equity
The Freedom Gold Annuity (Index-30)
This FPDA offers six different crediting options. The Fixed Value guarantees a fixed interest rate annually. The Bond Value is linked to the annual increase in the Lehman Brothers U.S. Aggregate Index. Earnings are indexed to the growth of the S&P 500®. It has a choice of annual reset using monthly averaging and annual point-to-point with no averaging. Choose from 100% participation rate with a cap or an adjusting participation rate with no cap. 10% of the contract value is available each year after the 1st year and systematic interest withdrawals are available immediately from the fixed strategy. It has an 8-year surrender period and commission paid is up to 7.00%.
The Future Platinum Annuity (Index-4-05)
This FPDA offers six different crediting options. The Fixed Value guarantees a fixed interest rate annually. The Bond Value is linked to the annual increase in the Lehman Brothers U.S. Aggregate Index. Earnings are indexed to the growth of the S&P 500®. It has a choice of annual reset using monthly averaging and annual point-to-point with no averaging. Choose from 100% participation rate with a cap or an adjusting participation rate with no cap. 10% of the contract value is available each year after the 1st year and systematic interest withdrawals are available immediately from the fixed strategy. It has a 12-year surrender period ages 0-80 and 9-year ages 81-85. Commission paid is up to 10.50%.
The Premier Platinum Annuity (Index-26)
This FPDA offers six different crediting options. The Fixed Value guarantees a fixed interest rate annually. The Bond Value is linked to the annual increase in the Lehman Brothers U.S. Aggregate Index. Earnings are indexed to the growth of the S&P 500®. It has a choice of annual reset using monthly averaging and annual point-to-point with no averaging. Choose from 100% participation rate with a cap or an adjusting participation rate with no cap. 10% of the contract value is available each year after the 1st year and systematic interest withdrawals are available immediately from the fixed strategy. A 7.50% Premium Bonus is credited on all 1st year premium. It has a 16-year surrender period ages 0-80 and 9-year ages 81-85. Commission paid is up to 8.50%.
Great American Life
Insurance Companysm
American Legend IIsm
The American Legend IIsm is a Flexible Premium Indexed Annuity. It offers three different annual reset index options. One uses point-to point with a cap, another uses monthly averaging with a cap and the third uses monthly averaging with an index spread and no cap. A first year fixed rate option is also available. It has a short 7-year surrender period. 10% of the Purchase Payment is available during the first contract year and 10% of the account value is available after the first contract year. It pays up to 5.50% commission.
American Icon IIsm
The American Icon IIsm is a Flexible Premium Indexed Annuity. It offers three different annual reset index options. One uses point-to point with a cap, another uses monthly averaging with a cap and the third uses monthly averaging with an index spread and no cap. A first year fixed rate option is also available. There is a 1.5% purchase payment bonus. It has a 10-year surrender period. 10% of the Purchase Payment is available during the first contract year and 10% of the account value is available after the first contract year. It pays up to 8.50% commission.
American Valor IIsm
The American Valor IIsm is a Flexible Premium Indexed Annuity. It offers two different annual reset index options. One uses monthly averaging with an index spread and the other uses daily averaging with an adjusted participation rate. A first year fixed rate option is also available. There is a 7.5% purchase payment bonus through age 69 and 5% for ages 70-85. It has a 12-year surrender period. 10% of the Purchase Payment is available during the first contract year and 10% of the account value is available after the first contract year. It pays up to 6.50% commission.
*This feature is non-contractual and may be discontinued. However, if the contract is issued while the feature is available, it can't be changed.
Fidelity and
Guaranty Life Insurance Company
(Member Of Old Mutual Financial
Network)
ING
USA Annuity & Life Insurance Company
Reliance Standard Life Insurance Company
Keystone Index 5-7-10
This Index Annuity offers a choice of a 5, 7 or 10-year surrender charge period. It has four different Index options and a fixed account. Commission paid is up to 8.5%
North American
THE HINDSIGHT INDEX STRATEGYSM
is available on the North American TenSM, North American CharterSM and North American PrecisionSM. This strategy is a blended index offering your clients the opportunity to participate in the returns of 3 indices: The S&P 500®, The DJ EuroSTOXX 50® and The Russell 2000®. Your Client Earns Interest Credit Based on:
- 50% of the Top Performing Index
- 30% of the 2nd Best Performing Index
- 20% of the 3rd Index.
The Hindsight Index StrategySM is issued on Endorsement forms LR444A, LR445A or LR447A and is available on annuity forms LC/LS155A, LC/LS156A and LC/LS160A or appropriate state variations by North American Company for Life and Health Insurance, West Des Moines, Iowa.
North American TenSM
This indexed annuity has a 10-year surrender period and pays a 10% Premium Bonus on all premiums received during the first 5-years. It offers your client the choice of several different types of index accounts and crediting methods, including annual reset with averaging or annual reset using a monthly and an annual point-to-point calculation. Your client can reallocate the account value each contract anniversary between the different indexed and fixed account options. It has a 100% participation rate for the contract term and an adjusting cap rate. It pays up to 6.50% commission depending on age.
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