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From AIG Life & Retirement - Now Corebridge Financial

Power Index Advisory®, a fixed index annuity (FIA), balances protection with growth potential, and features a choice of two living benefit options to help clients generate more income for life.
 

The Market1

In 2021, fixed index annuity sales reached $63.7B, a 15% increase from 2020.  Improved interest rates and product innovation around cap rates helped make these products more attractive to advisors and clients alike. FIAs remain a highly popular product for investors seeking market growth with complete principal protection, and the ability to add guaranteed lifetime income through a rider. As more investors seek ways to combat inflation, FIA popularity is only expected to increase.


Why DPL Likes Power Index Advisory

Designed exclusively for advisory accounts, this FIA offers a choice of two optional guaranteed lifetime withdrawal benefits (for an additional cost) to help clients increase their income potential:

Lifetime Income Max®- Income benefit base is guaranteed to increase by 10% each year prior to beginning withdrawals, with withdrawal rates up to 6.75%.

Lifetime Income Plus Multiplier Flex®- Income benefit base grows by doubling the amount of interest earned prior to beginning withdrawals, and matches the interest earned during withdrawals. The maximum withdrawal rate is 6.75%.


How to Think About Commission-Free FIAs

One advantage of utilizing FIAs is to leverage the scale of insurance carriers to deliver strong pricing in a packaged product, making it comparatively easy to implement, while also getting guaranteed downside market protection from the carrier.

When your client needs:

PRINCIPAL PROTECTION: With the principal protection from market risk provided by FIAs, they should be considered for clients nearing or in retirement to help mitigate sequence of returns risk.

FIXED INCOME: FIAs can be viewed as a fixed income replacement as client portfolios are de-risked from equities. They provide sequence of returns protection for those entering or in retirement, with an overall return above 6%, based on historic averages.2

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from AIG Life & Retirement - Now Corebridge Financial

Product information provided by Corebridge Financial, Inc.

12021 Annuity Sales Highest In 13 Years, LIMRA Reports. (2/2022)

2Fixed Indexed Annuities as a Fixed Income Alternative for Near-Retirees, Wade Pfau. (5/2019)

Fixed index annuities are contracts purchased from a life insurance company that are designed for long-term retirement goals.

While the interest rate credited to an indexed account is linked to the performance of an underlying index, premium payments made to a fixed index annuity are never directly invested in the stock market.

All guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.

A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state.

The purchase of an annuity within a retirement plan that already provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefits. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to recommending the purchase of an annuity within a tax-qualified retirement plan.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

From AIG Life & Retirement - Now Corebridge Financial

Assured Edge® Advisory annuity offers more portfolio reliability and predictable income with a guaranteed lifetime withdrawal benefit.
 

The Market1

In Q2 2022, total fixed-rate deferred annuity sales (including MYGAs) were $28.2 billion, a 76% YOY increase and the best sales quarter for fixed-rate deferred annuities ever recorded. In the first half of 2022, fixed-rate deferred annuities totaled $44.1 billion, a 44% increase compared with the same period last year. Significant interest rate increases coupled with investors' desire for principal protection with growth potential have increased the popularity of these products amongst clients and advisors alike.

 

Why DPL Likes Assured Edge® Advisory

Assured Edge Advisory is a versatile income solution that can adapt to future financial needs with a simple three-step approach to help balance retirement portfolios. With protection from the market built in, it accumulates tax-deferred for greater growth potential when compared to traditional fixed income products. The guaranteed lifetime withdrawal benefit (GLWB) provides predictable income each year for as long as your client lives – even if the contract is completely depleted because of lifetime withdrawals and allows future income to grow faster with an annual income credit every year until beginning lifetime income payments.
 

How to Think About Commission-Free Fixed Annuities

When your client needs:

PRINCIPAL PROTECTION: Fixed annuities are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: Fixed annuities provide a consistent stream of income for clients that are looking to reliable returns without market risk.

CASH REPLACEMENT: Fixed annuities can be used as a higher-yielding alternative to CDs or money market accounts, but with a similar risk profile.

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from AIG Life & Retirement - Now Corebridge Financial

Product information provided by Corebridge Financial, Inc.

1LIMRA: Second Quarter Annuity Sales Shatter Record Set During the Great Recession. July 2022.

Annuities are long-term products designed for retirement.

Retirement accounts such as IRAs can be tax deferred regardless of whether or not they are funded with an annuity. The purchase of an annuity within an IRA does not provide additional tax-deferred treatment of earnings. However, annuities do provide other features and benefits.

Withdrawals may be subject to federal and/or state income taxes. A 10% federal early withdrawal tax penalty may apply if taken before age 59½ in addition to ordinary income tax. Partial withdrawals may reduce benefits and contract value.

This material is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. For legal, accounting or tax advice consult the appropriate professional.

Annuities are issued by American General Life Insurance Company (AGL). Issuing company AGL is responsible for the financial obligations of insurance products is a member of Corebridge Financial. Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit, issue or deliver policies or contracts in the state of New York.

May not be available in all states and product features may vary by state. Please refer to the contract.

The Aspida Advisory MYGA provides multiple durations (2, 3, 5 or 7 years) to help advisors accurately address the needs of the portfolio .
 

The Market

Since their introduction in the Commission-Free space, MYGAs (multi-year guaranteed annuities) have become one of the most popular DPL Member solutions for improving fixed income allocations. Generating reliable returns above today’s yields1 for a lesser duration, these simplified products can help advisors gather assets that would otherwise be held in cash or CDs, protect principal from market volatility, and ultimately improve portfolio performance.


Why DPL Likes the Aspida Advisory MYGA

The Aspida Advisory MYGA offers multiple guaranteed interest rates, including the shortest duration (2 years) on DPL's platform. Premium is protected from market downturns and accumulates tax-deferred, allowing for greater growth potential when compared to traditional fixed income instruments like bonds. The minimum premium required is $25,0002.


How to Think About Commission-Free MYGAs

When your client needs:

PRINCIPAL PROTECTION: MYGAs are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: MYGAs provide a consistent stream of income for clients that are looking to de-risk their portfolios from equities.

CASH REPLACEMENT: MYGAs can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.3

What's Next?

Learn more about how the can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from Aspida

Product information provided by Aspida Life Insurance Company.

1MYGA rates available through DPL compared to US Treasury Yield Curve, and comparable CDs via BankRate.com.

2$25,000 premium minimum to $1,000,000 maximum apply to both qualified and non-qualified plans. A premium of more than $1,000,000 may be accepted with prior approval from Aspida.

3Surrender charges, market value adjustments and other contract charges may apply that can reduce the premium. A surrender during the surrender charge period could result in a loss of premium. Surrender charge structures and guarantee periods may vary by state.

Guarantees are backed by the claims-paying ability of Aspida Life Insurance Company (“Aspida”). Annuities are designed for long-term accumulation of money; surrender and withdrawal fees may apply on early withdrawals. Annuity withdrawals are subject to income tax, and withdrawals prior to age 59½ may also be subject to an IRS penalty.

This piece provides a brief summary of product features. The contract associated with the product will contain the actual terms, definitions, limitations, and exclusions that apply. Product features and availability vary by state and are solely the responsibility of Aspida. Aspida Advisory MYGA-2, -3, -5, and -7 contract form series ICC22C-MYGA1012 and C-MYGA1012, and application series ICC22A-4014 and A-4014. Some exclusions and exceptions apply. Please refer to the contract for the actual terms and conditions that apply.

The statements and comments offered in this communication are provided as general information and ideas. They are not intended to be, nor should they be relied on as, investment, legal, tax advice, or recommendations. Before making a decision or giving advice about any matter contained in this communication, agents or individuals should consult their own attorney, tax, or investment advisor.

Products and services are underwritten and/or provided by Aspida (Administrative Office: Durham, NC), licensed in 48 states (excluding New York and Connecticut) and the District of Columbia. Products and services may not be available in all states.

Aspida is the trade name of Aspida Life Insurance Company and its affiliates. Each company is solely responsible for its own financial conditions and contractual obligations.

From American Life

The American Life Fee-Based MYGA offers 3 and 5 year durations, helping advisors provide principal protection and tax-deferred growth at a competitive guaranteed rate.
 

The Market

Since their introduction in the Commission-Free space, MYGAs (multi-year guaranteed annuities) have become one of the most popular DPL Member solutions for improving fixed income allocations. Generating reliable returns above today’s yields1 for a lesser duration, these simplified products can help advisors gather assets that would otherwise be held in cash or CDs, protect principal from market volatility, and ultimately improve portfolio performance.


Why DPL Likes the Fee-Based MYGA

The Fee-Based MYGA offers competitive 3- and 5-year guaranteed interest rates. Premium is protected from market downturns and accumulates tax-deferred, allowing for greater growth potential when compared to traditional fixed income instruments like bonds. The minimum premium required is $10,000, making it more accessible to investors.


How to Think About Commission-Free MYGAs

When your client needs:

PRINCIPAL PROTECTION: MYGAs are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: MYGAs provide a consistent stream of income for clients that are looking to de-risk their portfolios from equities.

CASH REPLACEMENT: MYGAs can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.2

What's Next?

Learn more about how the can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from American Life

Product information provided by American Life & Security Corp.

1MYGA rates available through DPL compared to US Treasury Yield Curve, and comparable CDs via BankRate.com.

2Surrender charges, market value adjustments and other contract charges may apply that can reduce the premium. A surrender during the surrender charge period could result in a loss of premium. The surrender charge and market value adjustment may reset with renewal. Surrender charge structures and guarantee periods may vary by state.

Fixed annuities are long-term contracts designed for retirement. Not guaranteed by any bank or credit union. May lose value. Not a deposit. Not insured by any federal government agency.

From Pacific Life

Pacific Harbor offers a guaranteed interest rate for 3 or 5 years, helping advisors provide predictable, tax-deferred growth and principal protection at a competitive rate.
 

The Market

Since their introduction in the Commission-Free space, MYGAs (multi-year guaranteed annuities) have become one of the most popular DPL Member solutions for improving fixed income allocations. Generating reliable returns above today’s yields1 for a lesser duration, these simplified products can help advisors gather assets that would otherwise be held in cash or CDs, protect principal from market volatility, and ultimately improve portfolio performance.


Why DPL Likes Pacific Harbor

Pacific Harbor offers competitive 3- and 5-year guaranteed interest rates. Premium is protected from market downturns and accumulates tax-deferred, allowing for greater growth potential when compared to traditional fixed income instruments like bonds. Two rate levels are available based on premium amounts (<$200/$200K+).


How to Think About Commission-Free MYGAs

When your client needs:

PRINCIPAL PROTECTION: Fixed annuities are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: Fixed annuities provide a consistent stream of income for clients that are looking to de-risk their portfolios from equities.

CASH REPLACEMENT: Fixed annuities can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.2

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from Pacific Life

Product information sourced directly from ria.pacificlife.com

1MYGA rates available through DPL compared to US Treasury Yield Curve, and comparable CDs via BankRate.com, June 1, 2022.

2Surrender charges, market value adjustments and other contract charges may apply that can reduce the premium. A surrender during the surrender charge period could result in a loss of premium. The surrender charge and market value adjustment may reset with renewal. Surrender charge structures and guarantee periods may vary by state.

Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.
 
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Fixed annuities are long-term contracts designed for retirement.

Annuity withdrawals are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. Withdrawals will reduce the contract value.

No guaranteed rate will be less than the minimum guaranteed rate stated in the contract. Pacific Life determines, at its discretion, annual interest rates in excess of the stated minimum guarantee in the contract.

The Guaranteed Minimum Surrender Value (GMSV) applies to contracts upon full surrender, annuitization, or death. The GMSV  is equal to 87.5% of purchase payments (minus any withdrawals), accumulated at a fixed interest rate.

Pacific Harbor Guaranteed Rate is named “Individual Limited Premium Deferred Annuity Contract with Market Value Adjustment Feature” in the contract.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Annuity products are not FDIC insured, may lose value, and are not guaranteed by any bank.

Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties.

From Midland National®

IndexMax ADVSM, a fixed index annuity (FIA) issued by Midland National, balances growth potential with asset protection, and features an ESG index option from BlackRock.
 

The Market1

In 2021, fixed index annuity sales reached $63.7B, a 15% increase from 2020.  Improved interest rates and product innovation around cap rates helped make these products more attractive to advisors and clients alike. FIAs remain a highly popular product for investors seeking market growth with complete principal protection, and the ability to add guaranteed lifetime income through a rider. As more investors seek ways to combat inflation, FIA popularity is only expected to increase.


Why DPL Likes IndexMax ADV

Built for accumulation, IndexMax ADV provides tax-deferred growth potential with protection from market downturns. The product features three indices - BlackRock ESG US 5% Index ER, Fidelity Multifactor IndexSM 5% ER, and S&P 500 Low Volatility Daily Risk Control 5% Index ER - as well as a fixed account that credits a guaranteed rate. IndexMax ADV is available in 5- and 7-year terms to fit client portfolio needs.

IndexMax ADV offers two ways to accumulate - via annual performance credits (APC) and term participation credits (TPC). The APC is set at the beginning of the term; regardless of index performance, the accumulated value receives that credit for each year of positive performance. In the last year of the term, the TPC is added to the accumulated value if the index performs positively over the entirety of the term. The monthly average in the final year is then used to determine the ending value, which could be higher or lower then the actual value of the index at the end of the term. The index change between the ending and starting values is determined and then credited to the accumulation value.


How to Think About Commission-Free FIAs

One advantage of utilizing FIAs is to leverage the scale of insurance carriers to deliver strong pricing in a packaged product, making it comparatively easy to implement, while also getting guaranteed downside market protection from the carrier.

When your client needs:

PRINCIPAL PROTECTION: With the principal protection from market risk provided by FIAs, they should be considered for clients nearing or in retirement to help mitigate sequence of returns risk.

FIXED INCOME: FIAs can be viewed as a fixed income replacement as client portfolios are de-risked from equities. They provide sequence of returns protection for those entering or in retirement, with an overall return above 6%, based on historic averages.2

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from Midland National®

Product information sourced directly from MidlandNational.com

12021 Annuity Sales Highest In 13 Years, LIMRA Reports. (2/2022)

2Fixed Indexed Annuities as a Fixed Income Alternative for Near-Retirees, Wade Pfau. (5/2019)

Fixed index annuities are contracts purchased from a life insurance company that are designed for long-term retirement goals.

While the interest rate credited to an indexed account is linked to the performance of an underlying index, premium payments made to a fixed index annuity are never directly invested in the stock market.

All guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.

A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state.

The purchase of an annuity within a retirement plan that already provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefits. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to recommending the purchase of an annuity within a tax-qualified retirement plan.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

The “S&P 500® Low Volatility Daily Risk Control 5% Index ER”, is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Midland National Life Insurance Company® (“the Company”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by the Company. IndexMax ADV (“Product”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the IndexMax ADV or any member of the public regarding the advisability of investing in securities generally or in this Product particularly or the ability of these Indices to track general market performance. S&P Dow Jones Indices only relationship to Midland National Life Insurance Company® with respect to these Indices is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to Midland National Life Insurance Company® or the Product. S&P Dow Jones Indices has no obligation to take the needs of the Company or the owners of this Product into consideration in determining, composing or calculating these Indices. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of IndexMax ADV or the timing of the issuance or sale of this Product or in the determination or calculation of the equation by which the Product is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Product. There is no assurance that investment products based on these Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

The Fidelity Multifactor Yield Index 5% ER (the “Index”) is a multi-asset index, offering exposure to companies with attractive valuations, high quality profiles, positive momentum signals, lower volatility and higher dividend yield than the broader market, as well as U.S. treasuries, which may reduce volatility over time. Fidelity and its related marks are service marks of FMR LLC. Fidelity Product Services LLC (“FPS”) has licensed this index for use for certain purposes to Midland National® Life Insurance Company (the “Company”) on behalf of the Product. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of the Company, the Product, or owners of the Product. The Product is not sold, sponsored, endorsed or promoted by FPS or any other party involved in, or related to, making or compiling the Index. The Company exercises sole discretion in determining whether and how the Product will be linked to the value of the Index. FPS does not provide investment advice to owners of the Product, nor to any other person or entity with respect to the Index and in no event shall any Product contract owner be deemed to be a client of FPS. Neither FPS nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product.Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the Product particularly.

Fidelity Product Services LLC disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. Fidelity Product Services LLC shall have no responsibility or liability whatsoever with respect to the Product.

The BlackRock ESG US 5% Index ER is a product of BlackRock Index Services, LLC and has been licensed for use by Midland National® Life Insurance Company. BlackRock®, BlackRock ESG US 5% Index ER, and the corresponding logos are registered and unregistered trademarks of BlackRock. The annuity product is not sponsored, endorsed, sold or promoted by BlackRock Index Services, LLC, BlackRock, Inc., or any of its affiliates, or any of their respective thirdparty licensors (including the Index calculation agent, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability in connection with the administration or marketing of the annuity product. BlackRock makes no representation or warranty, express or implied, to the owners of the annuity product or any member of the public regarding the advisability of investing the annuity product or the ability of the BlackRock ESG US 5% Index ER to track general market performance. BlackRock does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Index or any data or communication related thereto nor does it have any liability for any errors, omissions or interruptions of the BlackRock ESG US 5% Index ER.

The BlackRock ESG US 5% Index ER (the “Index”) objective is to offer exposure to the iShares ESG Aware MSCI USA ETF subject to a 5% Target Volatility. The index manages to the Target Volatility by incorporating Fixed Income US Treasury iShares® ETFs and a Cash Constituent. The Index tracks the return of the weighted ETFs and any Cash Constituent, above the sum of the Return on the Interest Rate and the Index Fee. It is important to note your premium is not invested in the Index but in the insurance company’s general account, which may include investments that do not follow the environmental, social,and governance (ESG) practices of the BlackRock ESG US 5% Index ER.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National® Life Insurance Company.

Insurance products issued by Midland National® Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

The IndexMax ADVSM is issued on base contract form AS203A/ICC20-AS203A, or appropriate state variations including all applicable endorsements and riders. This product, its features and riders may not be available in all states

Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans. annuities may be subject to taxation during the income or withdrawal phase. Neither Midland National, nor any agents acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified adviser.

AD2022-19117

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.

Advantage 5SM Advisory offers a guaranteed interest rate for 5 years, helping advisors provide predictable, tax-deferred growth and principal protection.
 

The Market1

In 2020, fixed-rate deferred annuity sales, including MYGAs, totaled $51.7B, a 9% increase from 2019, and the highest fixed-rate deferred annuity sales since the Great Recession. Sustained market uncertainty in 2020 made MYGAs appealing to investors seeking safety from market volatility with greater returns than CDs.


Why DPL Likes Advantage 5SM

Advantage 5 offers a competitive 5-year guaranteed interest rate. Premium is protected from market downturns and accumulates tax-deferred, allowing for greater growth potential when compared to traditional fixed income instruments like bonds. Two rate levels are available based on premium amounts (<$250 / $250K+).


How to Think About Commission-Free MYGAs

When your client needs:

PRINCIPAL PROTECTION: Fixed annuities are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: Fixed annuities provide a consistent stream of income for clients that are looking to de-risk their portfolios from equities.

CASH REPLACEMENT: Fixed annuities can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.2

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from MassMutual Ascend

Product information sourced directly from https://www.gaconnect.com/

1LIMRA. "Secure Retirement Institute: Fourth Quarter Registered Index-Linked Annuities Propel Overall VA Sales to Pre-pandemic Levels.". January 2021.
2Surrender charges, market value adjustments and other contract charges may apply that can reduce the premium. A surrender during the surrender charge period could result in a loss of premium. The surrender charge and market value adjustment may reset with renewal. Surrender charge structures and guarantee periods may vary by state.

Product issued by Great American Life Insurance Company® (Cincinnati, Ohio), a wholly owned subsidiary of MassMutual, under contract form ICC21-P1151621NW, rider forms ICC20-R6032320NW and ICC20-R6032420NW (not available in Massachusetts). Form numbers, features and availability may vary by state.

From Guaranty Income Life Insurance Company

Guaranty Rate Lock MYGA offers guaranteed interest rates for 3–10 years, providing advisors and clients flexibility in duration selection.


The Market1

In 2020, fixed-rate deferred annuity sales, including MYGAs, totaled $51.7B, a 9% increase from 2019, and the highest fixed-rate deferred annuity sales since the Great Recession. Sustained market uncertainty in 2020 made MYGAs appealing to investors seeking saftey from market volatility with greater returns than CDs.


Why DPL Likes Guaranty Rate LockTM

Guaranty Rate Lock offers the most durations of any MYGA on DPL's platform, each with its own interest rate. Premium is protected from market downturns and accumulates tax-deferred, allowing for greater growth potential when compared to traditional fixed income instruments like bonds.

With 3 rate bands based on premium per duration, Guaranty Rate Lock allows advisors and clients to select the solution that's right for the portfolio. Additionally, the multiple durations can provide advisors with the opportunity to use multiple Guaranty Rate Lock MYGAs in a laddered approach.


How to Think About Commission-Free MYGAs

When your client needs:

PRINCIPAL PROTECTION: Fixed annuities are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: Fixed annuities provide a consistent stream of income for clients that are looking to de-risk their portfolios from equities.

CASH REPLACEMENT: Fixed annuities can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.2

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from Guaranty Income Life Insurance Company

FOR FINANCIAL PROFESSIONAL USE ONLY.

Product information sourced directly from GILICO.com

1LIMRA. "Secure Retirement Institute: Fourth Quarter Registered Index-Linked Annuities Propel Overall VA Sales to Pre-pandemic Levels.". January 2021.
2Surrender charges, market value adjustments and other contract charges may apply that can reduce the premium. A surrender during the surrender charge period could result in a loss of premium. The surrender charge and market value adjustment may reset with renewal. Surrender charge structures and guarantee periods may vary by state.

All guarantees are based on the continued claims paying ability of the issuing company.

Premium taxes: the accumulation may be reduced for premium taxes if required by the state of residence.

There are risks, fees and charges associated with fixed annuities.

The purchase of an annuity within a retirement plan that already provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefits. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to recommending the purchase of an annuity within a tax-qualified retirement plan. In addition to surrender charges, withdrawals are subject to income tax.

Withdrawals prior to age 59 1/2 may also be subject to a 10% federal tax penalty.

From Midland National®

Midland National's Oak ADVantage MYGA offers a guaranteed interest rate for 3-, 5-, and 7-years, allowing advisors to utilize durations in line with client time horizons.
 

The Market1

In 2020, fixed-rate deferred annuity sales, including MYGAs, totaled $51.7B, a 9% increase from 2019, and the highest fixed-rate deferred annuity sales since the Great Recession. Sustained market uncertainty in 2020 made MYGAs appealing to investors seeking saftey from market volatility with greater returns than CDs.


Why DPL Likes Oak ADVantageSM

Oak ADVantage offers multiple durations, each with its own interest rate. Premium is protected from market downturns and accumulates tax-deferred, allowing for greater growth potential when compared to traditional fixed income instruments like bonds.

With a minimum purchase of $50,000, Oak ADVantage may be more accessible for clients wanting a guaranteed rate of return without tying up significant assets. Additionally, the multiple durations can provide advisors with the opportunity to use multiple OakADVantage MYGAs in a laddered approach.


How to Think About Commission-Free MYGAs

When your client needs:

PRINCIPAL PROTECTION: Fixed annuities are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: Fixed annuities provide a consistent stream of income for clients that are looking to de-risk their portfolios from equities.

CASH REPLACEMENT: Fixed annuities can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.2

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from Midland National®

FOR FINANCIAL PROFESSIONAL USE ONLY.

Product information sourced directly from MidlandAdvisory.com

1LIMRA. "Secure Retirement Institute: Fourth Quarter Registered Index-Linked Annuities Propel Overall VA Sales to Pre-pandemic Levels.". January 2021.
2Surrender charges, market value adjustments and other contract charges may apply that can reduce the premium. A surrender during the surrender charge period could result in a loss of premium. The surrender charge and market value adjustment may reset with renewal. Surrender charge structures and guarantee periods may vary by state.

All guarantees are based on the continued claims paying ability of the issuing company.

Premium taxes: the accumulation may be reduced for premium taxes if required by the state of residence.

There are risks, fees and charges associated with fixed annuities.

The purchase of an annuity within a retirement plan that already provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefits. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to recommending the purchase of an annuity within a tax-qualified retirement plan. In addition to surrender charges, withdrawals are subject to income tax.

Withdrawals prior to age 59 1/2 may also be subject to a 10% federal tax penalty.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National® Life Insurance Company.

Insurance products issued by Midland National® Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

The Oak ADVantageSM is issued on form ICC21-AR204A/AS204A (contract), ICC20-AR380A/AR380A, and ICC19-AR360A/AR360A/AR151A04 (riders/endorsements) or appropriate state variation.

Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans. annuities may be subject to taxation during the income or withdrawal phase. Neither Midland National, nor any agents acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified adviser.

Form #34386Y

Pacific Advisory Variable Annuity provides tax-deferral for more than 100 investment options, with an optional living benefit designed to help increase future retirement income in all market conditions.


The Market

At nearly $2 trillion in size1, it’s no surprise that nearly half of investors own an annuity, and even more are interested in the idea of guaranteed lifetime income.2 Annuities are often purchased by investors to generate guaranteed lifetime income, but can provide additional benefits to potentially help increase retirement income, maximize tax-efficiency of assets, or ensure a legacy for loved ones.


Why DPL Likes Pacific Advisory Variable Annuity

Pacific Advisory Variable Annuity provides tax-deferred access to 100+ investment options and allocation models, all with expense ratios of 1.00% or less. Investors can also purchase optional benefits for an additional cost, including a Return of Investment Death Benefit (0.15%), and Portfolio Income Protector (1.25% single/1.35% joint).

Portfolio Income Protector provides a guaranteed minimum withdrawal benefit, allowing investors to lock in market gains when markets are up, or a simple interest credit to the account when markets are underperforming (for up to 10 years). When your client is ready to begin taking income, the benefit provides a withdrawal percentage guaranteed for life. Additionally, advisory fees can be deducted from the annuity without impacting the optional benefits.


How to Think About Commission-Free VAs

When your client needs:

ANNUITY RESCUE+:  For clients looking to move assets from their high-cost traditional annuity into a low-cost, Commission-Free product, a “1035 exchange” may be appropriate. Annuity Rescue+ may help clients achieve:

  • Low cost — if the goal is simply to achieve the lowest cost, DPL recommends using an investment-only variable annuity.

  • Guaranteed income — often clients purchase an annuity because they like the guaranteed income feature. Depending on your investment approach, DPL will find the product that is best suited for you and your client.

  • Return of premium — utilizing a 1035 exchange into a solution with a return of premium benefit can be a thoughtful way of essentially “locking in gains,” as the amount of the new premium will include any gains from the previous annuity. DPL brings several very low-cost and innovative strategies.

TAX DEFERRED GROWTH:  For high income earners, low-cost annuities can provide tax deferral to benefit portfolio growth during a client’s accumulation phase. Studies show that tax deferral can add 1.00% to 2.00% of additional net return to a client’s portfolio, when locating tax-inefficient investments within the annuity.3

GUARANTEED LIFETIME INCOME:  While other product types are generally better options for guaranteed lifetime income, variable annuities can provide the greatest investment flexibility of the product types that offer this feature — potentially generating additional growth of the portfolio. It may be more appropriate to use a low-cost VA during the accumulation phase and then, when the client is ready to begin taking out guaranteed lifetime income, move into the best available income product.

What's Next?

Learn more about how can make a difference for your clients. Use our calculator or contact your DPL consultant.

Product information sourced directly from: https://www.pacificlife.com

1Insured Retirement Institute, 2019; https://www.myirionline.org/newsroom/newsroom-detail-view/iri-issues-second-quarter-2019-annuity-sales-report.
2Insured Retirement Institute (IRI), “The Language of Retirement 2017: Advisor and Consumer Attitudes Toward Income in Retirement.” https://www.myirionline.org/docs/default-source/research/iri_whitepaper_final_singlepg.pdf?sfvrsn=2 
3Morningstar Report: The Value of a Gamma Efficient Portfolio, 2017; https://www.morningstar.com/content/dam/marketing/shared/research/foundational/831611-GammaEfficientPortfolio.pdf

Your clients should consider a variable annuity’s investment objectives, risks, charges, and expenses carefully before investing. Go to pacificlife.com for prospectuses containing this and other information. Encourage them to read it carefully.

Variable annuities are contracts purchased from a life insurance company that are designed for long-term retirement goals and are subject to market risk, including loss of principal.

No investment strategy insures a profit or protects against losses in a down market.

All guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.

The purchase of an annuity within a retirement plan that already provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefits. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to recommending the purchase of an annuity within a tax-qualified retirement plan. In addition to surrender charges, withdrawals are subject to income tax.

DPL


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DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

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DPL Financial Partners is not affiliated with The Leaders Group, Inc.

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