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Rescue and Optimize Annuity Assets for Maximum Returns and Control

Discover a powerful plan to rescue poorly performing assets with top benefits like tax-free death benefit, multiple interest strategies, and enhanced care coverage. Take control with flexible payment options and penalty-free withdrawals. Choose from various interest crediting methods to maximize savings and create tax-efficient wealth transfer. Boost your sales opportunities with street commissions and annuity reviews. Easy underwriting and no exams make it simple to execute the perfect plan. Reach out for assistance and unleash the potential of your existing annuity clients!

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Rescue and Optimize Annuity Assets for Maximum Returns and Control

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  1. The Perfect Plan… To Rescue Poorly Performing Assets Agent Use

  2. Agents Can Sell a plan with…. • Multiple Interest Crediting Strategies • 10% Penalty Free Withdrawals • Flexible Payment Options (SPIA friendly) • A Tax Free Death Benefit! • Enhanced Nursing Home Benefits • Home Health Care Coverage too! • A Tax Advantaged Income Stream if needed • Double Digit Street Commission to age 80!

  3. ® NWL Lifetime Returns Select • Ages 45-85 • $25,000 Minimum Face • Single Pay, 5 Pay or 10 Pay • NO LAPSE GUARANTEE • Standard issue to Table 5! • Net Amount at Risk (see chart that follows)

  4. Net Amount at Risk by Age

  5. Prospect Existing Annuity Clients • Estate Creation or Maximization • Tax Efficient Wealth Transfer • Discounted Bequeaths • Underperforming Product Rescue • Retirement Income: Annuity Alternative • Maximize Savings Set Aside for LTC • A good reason to meet with every existing annuity client!

  6. Premium Payments • Single Pay (MEC) • 5 Pay (MEC) • 10 Pay CHOICES!

  7. INTEREST CREDITING • Fixed Interest • 4.80% • Current Rate • Monthly Point to Point • 3.50% • Current Monthly Cap • Annual Point to Point • 8.25% • Current Annual Cap • Monthly Average • 70% • Current Participation • NO CAP! Any Combination!

  8. Features CONTROL! • Variable Rate Policy Loans: Net Cost/ Net Gain based on index performance • Policy Loans: Paid Up Rider • No Lapse Guarantee to Age 121!

  9. LIQUIDITY CONTROL! • 10% Penalty Free Withdrawal (Beginning Year 2) • Terminal Illness Liquidity • 75% Death Benefit Advance • Max of $250,000 • $300 Processing Fee Living Benefit Rider Form 01-3071-96

  10. LIQUIDITY CONTROL! • Qualified Care Services (Nursing Home, Home Health Care, Assisted Living) • 90 Days of Consecutive Care • 24% of the Death Benefit Each Year • Paid Monthly • Max $500 K or until Face Amount = $12.5 K Accelerated Benefit Rider Form 01-3113-04

  11. Qualified Care Scenario CONTROL! • Death Benefit of $100,000 • $24,000 per year, $2,000 Monthly • 43 Months of Funding • Paid Direct or Assignable This Is An Optional Benefit.. Only $75,480 Premium w/ ABR!

  12. $100,000 For Sale at Age 60! Male $48,600 or $50,595 with ABR! Female $43,400 or $47,040 with ABR! ABR = Accelerated Benefit Rider

  13. $100,000 For Sale at Age 70! Male $63,500 or $66,281 with ABR! Female $56,800 or $62,239 with ABR! ABR = Accelerated Benefit Rider

  14. $100,000 For Sale at Age 80! Male $79,200 or $82,737 with ABR! Female $72,000 or $78,465 with ABR! ABR = Accelerated Benefit Rider

  15. Street Commission 11% (Level 3) Ages 45 to 80 7% (Level 3) Ages 81-85

  16. CHOICES + CONTROL = SALES OPPORTUNITIES • Annual Annuity Review on Existing Book of Biz • CD Renewals at 1-2%  • Second Marriages or Other Life Events • Sell an annuity while providing tax relief--80/20 • Withdraw or Annuitize From Existing Plans • Underperforming Life Policies • Underperforming Variable Annuities

  17. Simple U/W = Easy to Execute • 30 Minute Telephone Interview • Pharmaceutical Therapy Review • Table 5 to Standard Shave Program • No Exams Necessary for most applicants • Larger Faces are fully underwritten to provide maximum NAR to age 85—healthy clients welcome! • Ask the chief if you are uncertain

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