1. December 19th at 10:30 am

2. Docupace Case Study: American Fund Held Direct
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3. Training & Communication Specialist
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)
EquiTrust MarketValue 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
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
Cincinnati Life FPDA
Guaranteed ROP
9-year surrender schedule
No rolling surrender
ANICO WQ Citadel 7
7 Year Surrender

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

11. Interesting GMWBs 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
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.