How do you improve upon an indexed annuity that sold $3 billion in premium in its first three years?
Introduce the industry's most revolutionary income rider to go with it.
The BPASelect Income Advantage™ takes all the questions Senior Market Sales raised about income riders its white paper, Income Riders: A Balanced Perspective, and answers them—emphatically.
What makes this new breed of income rider so special?
- 8% guaranteed growth on the Income Base
- Fees that do not invade principal
- Award-winning, A-rated carrier (A.M. Best)
- It actually works the way your clients think it should work—without all the "gotchas" that can hinder performance.
The Income Base is not the same as the Accumulation Value of the base annuity contract, and it is never available for lump sum withdrawal; it is only used for calculating lifetime income amounts available under rider provisions.
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Typical Income Rider: Roll-up amount stops accumulating after taking an RMD or free partial withdrawal.
BPASelect Income Advantage™: the 8% guaranteed accumulation continues crediting regardless of whether the client takes free withdrawals from the base contract.*
Typical Income Rider: Roll-up calculated using simple interest.
BPASelect Income Advantage™: 8% guaranteed growth rate compounds annually.
Typical Income Rider: Fees deducted from principal—so in a 0-return environment your client actually loses money.
BPASelect Income Advantage™: Fees are only deducted if there is a gain on the contract.
Typical Income Rider: Roll-up percentage represents the MAXIMUM the client can earn.
BPASelect Income Advantage™: 8% is the minimum growth in the income base for rider withdrawals. The interest credits could be higher if the base annuity contract's accumulation value exceeds the income base minimum amount.
These are just a few of the revolutionary features that make the Income Advantage the most client-friendly Income Rider on the market, and the only Income Rider worthy of the BPASelect.
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For agent/broker use only - not for use with the public.
*Rider withdrawals stop the guaranteed accumulation in the Income Base. BPASelect Income Advantage™ Living Benefit Rider [BPAIRW (11/08)], an optional rider for which an annual premium is charged is issued by American Investors Life Insurance Company, Inc., Topeka, KS, an Aviva company. Product features, limitations and availability vary by State; see the Product Disclosure for details. The A.M. Best Company has rated American Investors Life Insurance Company, Inc., A (Excellent) for financial strength and the ability to meet obligations to contract holders. This represents the third highest rating of Best's 15 rating categories.13985 078149
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