Fixed indexed annuity rates

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• [DOC File]482-1-126

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  Appendix. Buyer’s Guide to Fixed Deferred Annuities. 9. Appendix I. Equity-indexed Annuities. 19 482-1-129-.01 Authority. This chapter is issued based upon the authority granted the commissioner under Sections 27-2-17, 27-15-1 et seq., and 27-12-1 et seq., Code of Alabama 1975. Author: Commissioner of Insurance Statutory Authority:

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• [DOC File]annuity disclosure

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  If the fixed index annuity provides an option to allocate account value to more than one indexed or fixed declared rate account, and one or more of those indices has not been in existence for at least 10 calendar years, the allocation to the corresponding indexed account(s) shall be assumed to be zero;

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• [DOC File]I

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  A variable deferred annuity deposits premiums into various subaccounts (like mutual funds); the annuity’s value is then equal to the value of these accounts. A special case of a fixed deferred annuity is called an equity indexed annuity. This is a deferred annuity whose account value is linked to some index, such as the S&P 500.

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• [DOC File]Table of Contents

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  A fixed annuity guarantees a fixed rate of return for a specified period of time. It is generally designed to provide guaranteed level payments for specified period of the annuitant’s lifetime. Equity index annuities “(EIAs)” sometimes referred to as Fixed Indexed Annuities (“FIAs”), have characteristics of both fixed and variable ...

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• [DOC File]Transmittal aAnd Standards for Life and Annuity ...

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  (Any equity indexed life or annuity product filing must include the advertising material at the time of policy submission.) ... or illustrations of current accumulation growth for a deferred fixed annuity are in proximity to a similar illustration of the guaranteed interest rate. Current interest rates assumed in the illustration cannot exceed ...

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• [DOCX File]Section

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  (9)In determining the non-guaranteed illustrated values for a fixed indexed annuity, the index-based interest rate and account value shall be calculated for three different scenarios: one to reflect historical performance of the index for the most recent ten (10) calendar years; one to reflect the historical performance of the index for the continuous period of ten (10) calendar years out of ...

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• [DOCX File]What are the different kinds of annuities

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  In an index annuity, interest is calculated based on the positive performance (growth) of an external . equity index (often, the S&P500®). Because it’s a fixed annuity, an indexed annuity guarantees principal, except to the extent that principal may be invaded by surrender charges (discussed below); thus, only the. upward movement

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• [DOCX File]VM-21: Requirements for Principle-Based Reserves for ...

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  If the statutory reserve for payout annuity benefits referenced above in Section 4.E.2.a. requires a parameter that is not determined in a formulaic fashion such that, in reflecting the projected statutory reserve of a payout annuity benefit in the future, the company must make an assumption regarding this parameter and provide documentation in ...

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• [DOCX File]Submission DR151 - Attachment: Indexed annuity bonds – a ...

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  Indexed annuity bonds – a market failure to create the ideal pension investment? ... due to changes in supply and demand for the asset and in changes to interest rates, both local and international (Bjørnland and Leitemo, 2009). Depreciation. Internationally. Figure 22 shows the relative size of the consumption of fixed capital in the world ...

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• [DOCX File]Microsoft Word

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  When it comes to commissions, an indexed annuity with a 10-year surrender charge period usually pays a higher commission than an indexed annuity with a 5-year surrender charge. Fixed annuities are the least complex annuity type and have lower commissions than other types.

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• [DOCX File](b)If accounts are established in accordance with any of ...

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  Certain annuity and life insurance contracts issued by insurers are subject to the Securities Act of 1933 and must be registered with the U.S. Securities and Exchange Commission (“SEC”), unless the contract qualifies for an exception. ... but have guaranteed rates or returns. ... (e.g., variable, fixed, indexed, etc.). ...

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• [DOCX File]Statutory Accounting Principles Working Group

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  Fixed Indexed Annuity (FIA)-Zero risk of loss . to the policyholder (and subject to standard nonforfeiture minimum accumulation rates), interest credited based on performance of referenced index. (This . product. is. addressed . in this agenda item.) Registered Index-Linked Annuity (RILA) - Hybrid of a fixed indexed and variable annuity.

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• [DOCX File]CHAPTER 1

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  Depending on when the fixed annuity contract was issued, the interest rate set by law could have been 4%, 3% and in recent years it is 1 ½ % annually. The most fixed annuity contracts are covered under the State Guaranty Fund that protects the owner from insurer becoming bankrupt for up to $300,000.

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• [DOC File]UNITED STATES

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  Fixed Annuities: The fixed annuities offered by the Company are general account products and include single premium immediate, multi-year guaranteed, annual reset, and fixed indexed (“FIA”) annuities. Under fixed annuity contracts, the principal amount is guaranteed, and, for a specified time period, the Company credits interest to the ...

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• [DOC File]THE TRUTH ABOUT EQUITY INDEX ANNUITIES

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  Over the past two decades, Fixed Indexed Annuities (FIAs) have emerged as one of the “hottest” products in the financial world. First introduced in February 1995, their popularity soared following the dot-com crash of 2000 largely due to their promise of market-linked growth without risk of market loss.

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