InsuranceNewsNet Magazine January 2011 : Page 29
But what about OUR DREAMS... You know, I really feel we should start thinking seriously about our retirement. We need a plan... A GOOD one! Funny you should mention it... Our Agent called today with some GREAT IDEAS. Lets call back and set up an appointment. The North AmericanCharter Series Fixed Index Annuity SM Keep Your Clients’ Retirement Dreams Alive 10.00% PREMIUM BONUS • 7 Index Options 1 • An A.M. Best A+ (SUPERIOR) Rated Company 3 • Optional Income Pay sm Rider Offers up to 8.00% Bonus Credit 4 (Applied to GMWB Rider Value) • 7.50% • 3 Crediting Methods available Including the Hindsight Index Strategy SM • 10% Penalty-Free Withdrawal Beginning Year Two 2 COMMISSION Call Fairlane Financial for your kit today! Or for more information: 888fairlane.com/2134 1.800.327.1460 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 1.) The 10% premium bonus is available only on the North American Charter 14-year surrender charge option and applies to all premium received during the fi rst seven contract years. Premium bonus varies by surrender charge period and other options are available. Products offering a premium bonus may have a lower renewal interest crediting rate than those products that do not offer a premium bonus. 2.) Withdrawals taken prior to age 59 ½ may be subject to IRS penalties. Withdrawals taken during the Surrender Charge Period above the penalty-free amount will be subject to Surrender Charges and Interest Adjustment. 3.) A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s fi nancial strength, operating performance, and ability to meet its obligations to contract holders. (A+ is the second highest rating out of 15 rating categories and was assigned to North American, as part of the Sammons Financial Group, on April 16, 2009.) For the latest rating, access www.ambest.com. 4.) The bonus credit applies to the rider value and not to the accumulation value and is only applied in years when no withdrawal is taken. 7.5% bonus credit for 10 years. 6% Bonus Credit option is also available. Rider AE513A is electable at time of application for an additional cost. Please see Income Pay brochure for complete details. The North American Charter Series is issued on form LC/LS156A, the Hindsight Index Strategy is issued on Endorsement form LR444A, or appropriate state variations. Products issued by North American Company for Life and Health Insurance, West Des Moines, Iowa. Products and features may not be available in all states.Commissions may vary by state and issue age. Fixed Index Annuities are not a direct investment in the stock market or indices. They are insurance products that provide an enhanced growth potential without experiencing loss of premium from market loss or fl uctuations in the market and may not be appropriate for all clients. Rates current as of 10/27/2010. DH2992 M-2134
