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Ulitimate Provider Annuity - Americo

Secure Plus Saver - Americo

Elite Provider - Americo

Ulitimate one Annuity -
A competitive line of indexed, flexible-premium annuities focused on simplicity and guarantees.

  • Five simple indexed crediting rate options linked to the S&P 500 Index®.
  • 4% Bonus on all first-year premium.
  • No complicated formulas! Only one moving part: Participation Rate, Cap, or Spread.
  • Available options: Monthly Averaging with Participation Rate, Monthly Averaging with Spread, Monthly Averaging with Cap, Point-to-Point with Participation Rate, Point-to-Point with Cap.
  • Competitive Declared Interest Option – 2% minimum guaranteed.
  • Guaranteed minimum value of 1.5% for 9 years and 3% thereafter on 100% of premiums (less surrender charges and any premium tax).
  • 5x5 annuitization option – after the 5th policy year, surrender charges are waived if annuitization is over at least 5 years (not available in all states).
  • Full Account Value death benefit.
  • Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement Endorsement(Series 4139)(May not be available in all states).
  • Systematic monthly interest income after 30 days, available on funds in declared interest account.

Universal Life - Universal life insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly. 


Income Annuity
Annuities designed to start paying income as soon as the policy is initiated. The income annuity is annuitized immediately, although the underlying income units may be in either fixed or variable investments. As such, the income payments may fluctuate over time.

An income annuity is typically purchased with a lump sum payment, often by people who are at or near retirement.  

Also known as an "immediate annuity".  Investors seeking income annuities should have clear picture of how much income will be received and for how long. Most annuities pay out until the death of the annuitant and some pay out until the death of spouse. Although the insurance product may be annuitized immediately, variable an individual
can allow for some principal protection by participating in equity markets. 

Even if all income units are in fixed investments, there may be a provision allowing for a higher return if a specific benchmark index performs extremely well.

Fixed Annuity
With fixed annuities, premiums accumulate at rates of interest set by the company, and the amount of each annuity payment is determined when payments begin. A new type of fixed annuity contract is the indexed annuity. In indexed annuities, accumulation values are based not on the investment experience of the insurance company issuing them, but on the changes in value of a major stock index. Like traditional fixed annuities, the insurance company issuing them guarantees the principal less any withdrawals or surrenders, and the amount of each payment is determined when payments begin.

Deferred annuities are designed for long-term accumulation purposes.  Early withdrawals may be subject to surrender charges. Money distributed from the annuity will be taxed as ordinary income in the year the money is received.

Due to the tax-preferred nature of annuities, very wealthy investors or above-average income earners often use these products to mitigate the effects of taxes on their annual income.
 
Most investors share the same goal of long-term wealth accumulation. Some people have no problem watching their investments bounce up and down, from day to day. Most of these people are present in the work force well until their 70's and never fully retire . They watch their accounts dwindle down and worry constantly about how their losses will ever be made back. Others watch as their money grows steady and safe and retire with an abundant revenue that never runs out no matter how long they live. These risk-averse investors and those of us nearing retirement generally will not tolerate short-term volatility within our portfolios. If you are this type of investor or one who has moderate risk tolerance. Annuities can be a valuable investment tool.

Click Here to download The Amerus Life INDEXED LIFE TUTORIAL