introducing the new
DESCRIPTION
Summit Bonus Index℠. Introducing the New. FOR PRODUCER USE ONLY. T his presentation is intended for producer use only and should not be disclosed to the public. - PowerPoint PPT PresentationTRANSCRIPT
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Sentinel Plan® Summit Bonus Index℠
INTRODUCING THE NEW
Summit Bonus Index℠
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Sentinel Plan® Summit Bonus Index℠
FOR PRODUCER USE ONLY
This presentation is intended for producer use only and should not be disclosed to the public.
The information contained in this presentation is general in nature and is subject to the applicable annuity and rider language.
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Sentinel Plan® Summit Bonus Index℠
Sentinel Security LifeFounded in 1948 and dedicated to the senior market
Expanding product portfolio that includes:• Final Expense Life Insurance• Medicare Supplement/Select• Hospital Advantage• Annuities
Competitive Commissions
Strong financial background
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Sentinel Plan® Summit Bonus Index℠
New for 2014: CA, PA,TX, IL and WA
• New States:
CA, PA,TX, IL and announcing WA!!!• Premium Bonus
- CA & IL: 7% initial Premium, 1% Income Rider- PA, TX & WA: 4.5% initial premium, 1% income Rider
• Now Available: Client Brochure, Quick Sheet, Agent Field Guide, Online/Desktop Calculator, Applications and Annuity Rate Sheet
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Sentinel Plan® Summit Bonus Index℠
Product Description• Single Premium Deferred Annuity• 10 Year Surrender Charge• Premium Bonus• 4 Interest Crediting Strategies• Fixed Account• Income Rider• Guaranteed Lifetime Withdrawal Benefit
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Sentinel Plan® Summit Bonus Index℠
Product Highlights
Type/Market Single Premium Fixed Index Deferred Annuity
Markets Qualified or Non-Qualified
Issue Ages 0 to 80
Minimum Single Premium $5,000 (qualified)$10,000 (non-qualified)
Maximum Single Premium $1 Million (qualified or non-qualified)
Market Value Adjustment (MVA) The MVA is specified in the contract. The MVA expires at the end of each Guarantee Period
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Sentinel Plan® Summit Bonus Index℠
Premium Bonus
The Base Policy has a one-time Premium Bonus that is credited to the Accumulation Value on the Policy Date
This bonus ranges from 4.5%-7%* depending on the state
Premium bonus has a vesting schedule* during the surrender charge period
*Premium Bonus and vesting schedules vary by state. Please refer to your state’s Summit Bonus Index Agent Quick Sheet for more details.
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Sentinel Plan® Summit Bonus Index℠
Interest CreditingIndexing strategies will be benchmarked against the S&P 500® Index.
Crediting rate for a particular strategy can never fall below 0%
Accumulation Value may be reallocated on an annual basis, 30 days prior to the Policy Anniversary date.
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Sentinel Plan® Summit Bonus Index℠
Interest Crediting - CapsA cap is a maximum interest rate that is used when calculating the Index Account’s interest rate.
The Point-to-Point, Monthly Average, and Daily Average strategies use an annual cap.
The Monthly Sum strategy uses a monthly cap.
Caps are guaranteed for each Policy Year and can be adjusted annually, but will never be less than the Guaranteed Minimum Cap.
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Sentinel Plan® Summit Bonus Index℠
Interest Crediting - Caps
Caps are guaranteed for each Policy Year and can be adjusted annually, but will never be less than the Guaranteed Minimum Cap.
Effective 05/01/14
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Sentinel Plan® Summit Bonus Index℠
Interest Crediting Strategies
Annual Point-to-Point
Monthly Averaging
Daily Averaging
Monthly Sum
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Sentinel Plan® Summit Bonus Index℠
Annual Point-to-PointEach Policy Anniversary, the S&P index value is compared to the S&P index value of the previous Policy Anniversary.
The resulting return, up to the applicable cap, will be credited to the Accumulation Value.
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Sentinel Plan® Summit Bonus Index℠
Annual Point-to-Point - example
Interest Calculation:
Interest Rate = 1.68%
Policy Year 7/1/2011 – 7/1/2012
Ending Index Value 1,362.16
Initial Index Value 1,339.67
Point-to-Point Cap 2.90%
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
0.00
200.00
400.00
600.00
800.00
1,000.00
1,200.00
1,400.00
1,600.00
1,33
9.67
1,28
6.94
1,20
4.42
1,13
1.42
1,21
8.28
1,24
4.58
1,25
7.60
1,32
4.09
1,37
4.09
1,40
8.47
1,40
5.82
1,27
8.04
1,36
2.16
Index Value
%68.167.339,1
67.339,116.362,1
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Sentinel Plan® Summit Bonus Index℠
Monthly AveragingEach Policy Anniversary, the S&P index value for the 12 monthly Index Dates will be averaged and compared to the S&P index value of the previous Policy Anniversary.
The resulting return, up to the Applicable cap, will be credited to the Accumulation Value.
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Sentinel Plan® Summit Bonus Index℠
Monthly Averaging - example
Interest Calculation:
Interest Rate = 1.43%
Policy Year 1/1/2011 – 1/1/2012
12 Month Sum 15,307.4112 Month Average 1,275.62
Initial Index Value 1,257.64
Monthly Average Cap 3.15%
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
0.00
200.00
400.00
600.00
800.00
1,000.00
1,200.00
1,400.00
1,600.00
1,25
7.64
1,30
7.59
1,30
6.33
1,33
2.41
1,36
3.61
1,31
4.55
1,33
9.67
1,28
6.94
1,20
4.42
1,13
1.42
1,21
8.28
1,24
4.58
1,25
7.60
Index Value
%43.164.257,1
64.257,162.275,1
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Sentinel Plan® Summit Bonus Index℠
Daily AveragingEach Policy Anniversary, the S&P index values for each trading day of the Policy Year will be averaged and compared to the S&P index value at the beginning of the period.
The resulting return, up to the applicable cap, will be credited to the Accumulation Value.
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Sentinel Plan® Summit Bonus Index℠
Daily Averaging - example
Interest Calculation:
Interest Rate = 3.25%
Policy Year10/1/2011 – 10/1/2012
Daily Index Sum (253 Index Values)
336,851.32
Daily Average 1,331.43Initial Index Value 1,131.42
Daily Average Cap 3.25%
10/1/2011
10/17/2011
11/2/2011
11/18/2011
12/4/2011
12/20/2011
1/5/2012
1/21/2012
2/6/2012
2/22/2012
3/9/2012
3/25/2
012
4/10/2
012
4/26/2
012
5/12/2
012
5/28/2
012
6/13/2012
6/29/2012
7/15/2
012
7/31/2
012
8/16/2
012
9/1/2012
9/17/2
0120.00
200.00
400.00
600.00
800.00
1,000.00
1,200.00
1,400.00
1,600.00
Index Value
%70.1742.131,1
42.131,143.331,1
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Sentinel Plan® Summit Bonus Index℠
Monthly SumEach Policy Anniversary, the S&P performance will be determined for each month in the Policy Year.
The sum of monthly changes in the S&P 500® will determine the overall crediting rate for the year.
Each month, the S&P return will besubject to the applicable cap.
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Sentinel Plan® Summit Bonus Index℠
7.68%
2.16%
5.29%
3.78%
2.50%
6.58%
2.29% 2.70%
1.05%
-0.19%-9.09%
0.95%
Monthly Comparison Policy Year 10/1/2011 – 10/1/2012
Monthly Sum Cap 1.40%
Sum of Monthly Comparisons with cap
3.92%
Monthly Sum - example
Interest Rate = 3.92%
Monthly Comparison
1.40% Cap
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Sentinel Plan® Summit Bonus Index℠
Fixed AccountThe interest rate is guaranteed for each policy year and credited daily to the Accumulation Value.
The interest rate will never dip below the guaranteed minimum of 1%.
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Sentinel Plan® Summit Bonus Index℠
Optional Income RiderOnly available if the Annuitant is an owner
Subject to a minimum issue age of 45
Available for an additional charge equal to 1.05% assessed on the Income Account Value and deducted from the Accumulation Value
Can be renewed for an additional 10 years
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Sentinel Plan® Summit Bonus Index℠
Income Rider – Premium BonusAn additional Premium Bonus equal to 1% of the initial premium is added to the Accumulation Value and Income Account Value when the Income Rider is selected at issue
The Premium Bonus on the Base Policy is also credited to the Income Account Value when this rider is selected
5.5%-8% total Premium Bonus when this rider is selected (Base Policy Premium Bonus* + Income Rider Premium Bonus)
Subject to Premium Bonus vesting schedule*
* Base Policy Premium Bonus and vesting schedules vary by state. Please refer to your state’s Summit Bonus Index Agent Quick Sheet for more details.
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Sentinel Plan® Summit Bonus Index℠
Income Account ValueUsed to calculate the annual Guaranteed Lifetime Withdrawal Benefit (GLWB) once elected
Different than the Accumulation Value from which funds are available for withdrawals and surrenders
It is not an amount that may be withdrawn and is not payable on death
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Sentinel Plan® Summit Bonus Index℠
Income Account Value - RollupThe Income Account Value will earn a 6% Annual Compound Rollup for 10 years provided the GLWB has not started
The Rollup can be renewed for an additional 10 years unless:– Oldest Owner, or Annuitant if Owner is a non-natural
person, has turned 80– Rider has been terminated– GLWBs have started
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Sentinel Plan® Summit Bonus Index℠
Income Account Value - RollupThe annual 6% Rollup stops at the earlier of:
– The start of the GLWB payments
– The day the oldest Owner, or Annuitant if the Owner is a Non-natural Person, turns 85; or
– The end of the initial Roll-up Term Period of 10 years unless the rider is renewed for an additional 10 years.
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Sentinel Plan® Summit Bonus Index℠
GLWBGuaranteed Lifetime Withdrawal Benefit
GLWB guarantees that you may withdraw a specified amount each year even if the Accumulation Value is zero.
Benefits may begin any time after the first Policy Year once the owner has attained age 55
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Sentinel Plan® Summit Bonus Index℠
GLWB – Payout Factors
*Based on the Younger Joint Life
The annual GLWB is equal to the Income Account Value multiplied by the Payout Factor corresponding to the attained age of the Owner when income starts.
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Sentinel Plan® Summit Bonus Index℠
Income Account Calculation
• Issue Age: 55
• Initial Premium: $65,000
• 8% Premium Bonus : $5,200*
• 100% allocated to Point-to-Point
• Initial Accumulation/Income Account Value: $70,200
*8% Premium Bonus = 7% Base Policy Premium Bonus + 1% Income Rider Premium Bonus
Example
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Sentinel Plan® Summit Bonus Index℠
Income Account CalculationExample
Policy Year Age Point-to-Point
InterestAccumulation Account Value
Rollup Interest
Income Account Value
1 56 0.00% $70,200 6.00% $74,4122 57 2.90% $72,236 6.00% $78,8773 58 2.90% $74,331 6.00% $83,6104 59 2.90% $76,486 6.00% $88,6265 60 2.90% $78,704 6.00% $93,9446 61 2.90% $80,987 6.00% $99,5817 62 0.00% $80,987 6.00% $105,5558 63 2.90% $83,335 6.00% $111,8899 64 2.90% $85,752 6.00% $118,60210 65 0.00% $85,752 6.00% $125,718
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Sentinel Plan® Summit Bonus Index℠
GLWB Calculation
• GLWB elected at Age: 61
• GLWB Payout Factor: 5.10%
• Accumulation Value: $80,987
• Income Account Value: $99,581
• GLWB = $99,581 X 5.10% = $5,079
Example
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Sentinel Plan® Summit Bonus Index℠
Income Account CalculationExample
Policy Year Age Point-to-Point
InterestAccumulation Account Value
Rollup Interest
Income Account Value
1 56 0.00% $70,200 6.00% $74,4122 57 2.90% $72,236 6.00% $78,8773 58 2.90% $74,331 6.00% $83,6104 59 2.90% $76,486 6.00% $88,6265 60 2.90% $78,704 6.00% $93,9446 61 2.90% $80,987 6.00% $99,5817 62 0.00% $80,987 6.00% $105,5558 63 2.90% $83,335 6.00% $111,8899 64 2.90% $85,752 6.00% $118,60210 65 0.00% $85,752 6.00% $125,718
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Sentinel Plan® Summit Bonus Index℠
Settlement OptionsThe Vested Value can be used to purchase one of the following Settlement Options after the 5th Policy Anniversary.
• Life Income Only
• Life Income Period Certain
• Period Certain Only
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Sentinel Plan® Summit Bonus Index℠
Life Income OnlyWe will pay equal monthly payments for the Annuitant’s remaining lifetime.
Payments end with the payment due just before the Annuitant’s death.
There is no death benefit under this option.
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Sentinel Plan® Summit Bonus Index℠
Life Income Period CertainWe will pay equal monthly payments for the longer of the Annuitant’s remaining lifetime or the period certain.
If the Annuitant dies after all payments have been made for the period certain, payments shall end with the payment due just before the Annuitant’s death.
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Sentinel Plan® Summit Bonus Index℠
Period Certain OnlyWe will pay equal monthly payments for a period certain of not less than 10 years and not more than 20 years.
After the fifth Policy Year, You may request a period certain of not less than 5 years and not more than 20 years.
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Sentinel Plan® Summit Bonus Index℠
Withdrawal ProvisionsA maximum of 2 withdrawals are allowed each Policy Year provided
• Each withdrawal must be at least $250
• Accumulation Value cannot drop below $2500
Any withdrawals will impact the GLWB
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Sentinel Plan® Summit Bonus Index℠
Withdrawal ProvisionsThe amount of the Accumulation Value that is available free from any Surrender Penalty, non-vested Premium Bonus and Market Value Adjustment is:
• For the first Policy Year – The interest earned on the Fixed Account
• For subsequent Policy Years – the Required Minimum Distribution OR up to 5% of the Accumulation Value, whichever is greater.
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Sentinel Plan® Summit Bonus Index℠
Surrender ValueThe Surrender Value is subject to:
• Surrender Charges
• Market Value Adjustment (MVA)
• Non-Vested Premium Bonus
Minimum Guaranteed Surrender Value will never be less than required by Standard Non-Forfeiture Law.
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Sentinel Plan® Summit Bonus Index℠
MaturityCurrently set at Annuitant’s age 100, but may change or be state specific depending on state’s approval
Owner may request a lump sum or one of the Settlement Options available
If no request is received, Cash Surrender Value will be used to purchase a Life with Ten Year Certain Annuity
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Sentinel Plan® Summit Bonus Index℠
Death of OwnerDeath Benefit is paid to the beneficiary.
Death Benefit is equal to the Accumulation Value less the non-vested premium bonus.
Beneficiary can take the Death Benefit as one of the following options:– Lump Sum– Distributed within five years– Installment payments using a Settlement Option
If the beneficiary is a non-natural person, a lump sum will be paid.
If the only beneficiary is the surviving spouse of the Owner, the spouse may continue the Policy and become the new Owner.
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Sentinel Plan® Summit Bonus Index℠
Death of AnnuitantOwner can designate a new Annuitant.
If no new Annuitant is provided, the Owner, or older owner if jointly owned, will automatically become the Annuitant.
If the owner is not a natural person, the Annuitant’s death would be treated as a death of Owner.
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Sentinel Plan® Summit Bonus Index℠
How to QuoteDownload desktop rating software
OR
Online Income Rider Calculator
Both available through the Producer Portal www.sslco.com/agents
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Sentinel Plan® Summit Bonus Index℠
Rating SoftwareWill have both annuity products
• Personal Choice Annuity™• Summit Bonus Index℠
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Sentinel Plan® Summit Bonus Index℠
Online Income Rider Calculator
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Sentinel Plan® Summit Bonus Index℠
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Sentinel Plan® Summit Bonus Index℠
Delivery Receipt?
All Summit Bonus Index℠ Annuity sales of $250,000 or greater will require a delivery receipt before commissions will be paid.
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Sentinel Plan® Summit Bonus Index℠
What now?Make sure you are appointed to sell Annuities through Sentinel
All forms are available on the Producer Portal at www.sslco.com/agents
Available for Order• Application Packs• Client Brochure • Agent Quick Sheet
Online• Agent Field Guide• Annuity Rate Sheet
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Sentinel Plan® Summit Bonus Index℠
Contact InformationMain Telephone (801) 484-8514Toll Free Number (800) 247-1423New Business Fax (801) 880-1241
(888) 433-4795
New Business/Suitability…........ [email protected] Services/Withdrawals….. [email protected] Commissions………………………….. [email protected] Licensing………………………………… [email protected] Sales………………………………………. [email protected] Marketing/Advertising…………… [email protected]
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Sentinel Plan® Summit Bonus Index℠
SUMMIT BONUS INDEX℠
For More Infowww.sslco.com800-247-1423