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Sales Solutions. For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669. Sales Solutions Income NOW for Life. Sales solutions create value by fitting product to client.

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Sales solutions
Sales Solutions

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669


Sales solutions income now for life
Sales Solutions Income NOW for Life

Sales solutions

create value by

fitting product to client

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669


Sales solutions income now for life1
Sales Solutions Income NOW for Life

The Problem

Individuals want income they cannot outlive (starting now) AND want to pass along as much as possible to a surviving spouse or other beneficiary

A Solution

BalancedAllocation Annuity™with the BalancedAllocationAnnuity™ Income Advantage™& the Family Endowment Rider®

The Family Endowment Rider® provides an enhanced death benefit upon the death of the annuitant equal to the premium accumulated at an interest rate of up to 5% compounded through the longer of 8 years or age 85, never to exceed age 90. After age 85/90, the rider benefit will not grow any further but will continue to be in place. The riders are not available without purchase of the base annuity contract; once issued, the owner may not elect to terminate the rider for any reason. The Family Endowment Rider® is not life insurance and any benefit payable is taxable.

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669


Sales solutions income now for life2
Sales Solutions Income NOW for Life

Mr. and Mrs. Jones

Are 65 and 60 years old

Have saved for their retirement, want income now, but are concerned about outliving their money.

Mrs. Jones is most concernedabout what will be left for her when Mr. Jones is gone, in the event he dies first.

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669


Sales solutions assumptions
Sales Solutions Assumptions

Hypothetical Example

$1,000,000 Premium

Mr. Jones is age 65 at issue

Purchased BalancedAllocationAnnuity 12™ with the optional Income Advantage™ Rider & the 4% Family Endowment Rider® (GMDB)

Assume 0% Interest Credited for 15 Years

Withdraws $55,000 at the end of each contract year

After 15 Years, has withdrawn $825,000 in guaranteed income

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669


Sales solutions

Income Now using the BalancedAllocation Annuity 12™ with the Income Advantage™ & Family Endowment Riders®

$945,000

$982,934

Hypothetical Example

Premium • $1,000,000

Client age at issue • 65 Years

Income through age • 80 years

Death benefit growth • 4%

Annual BAA Net

Appreciation of

0 Percent

$175,000

$370,758

These hypothetical assumptions are not guaranteed; the use of alternate premium and rate assumptions could produce significantly different results. For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669


Disclosures
Disclosures

For agent use only - not for use with the general public.

The BalancedAllocation Annuity Income Advantage™ [form BAAIR (09/09) or state variation] and the BalancedAllocation Annuity™ Rider [forms PBDBR12HB (09/06), PBDBR12LB (09/06) or state variation] and the Family Endowment Rider® [form DBR-BAA (09/09) or state variation], optional riders for which a charge is deducted are issued by Aviva Life and Annuity Company, Des Moines, IA.

Product features, limitations and availability vary by State; see the Product Disclosure or contact your Annexus representative for details.

If elected, the Family Endowment Rider® provides an enhanced death benefit upon the death of the annuitant equal to the premium accumulated at an interest rate of up to 5% compounded through the longer of 8 years or age 85, never to exceed age 90. After age 85/90, the rider benefit will not grow any further but will continue to be in place.

The cost for this rider is automatically deducted from the interest in the contract and is guaranteed to never exceed .60 percent of the contract's Accumulation Value per year.

The Rider will only guarantee the death benefit is equal to the initial premium provided no more than the lesser of five percent of the initial premium or Accumulation Value is withdrawn at the end of any given contract year.

Once issued, the owner may not elect to terminate the rider for any reason.

The Family Endowment Rider® is not life insurance and any benefit payable under the rider will be taxable.

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669