Individual Fixed Annuities
Secure Income Stream
Issued and underwritten by American United Life Insurance Company® (AUL)
The Secure Income Stream Annuity provides a guaranteed income stream that clients cannot outlive. With the annuity’s ability to address a variety of income goals, clients can implement a strategy that works for you: build predictable income over time, shield a portion of their retirement assets from market loss or protect against outliving their assets. The annuity does not allow withdrawals at any time; however, clients establish guaranteed income to start at a date that they select for their retirement future. Clients can have comfort in knowing their income stream will be there when they need it. Policy form # LA-33 may not be available in all states.
Freedom Builder Indexed Annuity
Issued and underwritten by American United Life Insurance Company® (AUL)
The Freedom Builder Fixed Indexed Annuity offers you an opportunity for a little more growth potential than is typically offered in many of today's fixed annuity products while providing downside protection against market losses. Bottom line, your fixed indexed annuity may help provide you the desired tax-deferred growth potential and principal protection you are looking for. Policy form # LA-32 may not be available in all states.
Secure5 - Available only with 412(e)(3) Plans
Issued and underwritten by American United Life Insurance Company® (AUL)
Secure5 addresses the financial issues that clients may associate with retirement plans, including tax-deferred growth and protection from estate transfer expenses. Access to funds and the capability to make subsequent additions to the annuity ensure that clients can remain in control of their assets—and the security of their future. Secure5 can enhance your client’s financial future with three options for a guaranteed interest rate period: one-year, three-year and five-year. Values may be withdrawn at any time. However, withdrawals in excess of 12 percent of the account value per year made during the withdrawal charge period are subject to a withdrawal charge. The withdrawal charge period is from the date of each premium and to the beginning of the sixth anniversary of each premium. Policy form # LA-31 S5 may not be available in all states.
While a contract owner may benefit from tax deferral under an IRA or other qualified plan without the use of an annuity contract, annuities may provide additional insurance or annuity-related benefits to individual contract owners. The tax treatment may not be important for purchasers using the contract in connection with certain qualified plans.
Single-Premium Immediate Annuities
Issued and underwritten by American United Life Insurance Company® (AUL)
AUL offers a variety of single-premium immediate annuities that can guarantee a periodic income for a fixed period of time—or life! One of the benefits of this type of arrangement is that income taxes are calculated with an exclusion ratio, which spreads the return of your client’s principal over a portion of the payout period. If your clients are concerned about outliving their assets, consider a single-premium immediate annuity with a life annuitization option. The income is guaranteed for life. And, with a payout period certain, your client’s income may be passed to their heirs. Policy form # LA-21, LA-22 and LA-23 may not be available in all states.
While a contract owner may benefit from tax deferral under an IRA or other qualified plan without the use of an annuity contract, annuities may provide additional investment and insurance or annuity benefits to individual contract owners. The tax treatment may not be important for purchasers using the contract in connection with certain qualified plans.
A fixed annuity is a long-term, tax-deferred insurance contract designed for retirement. It allows you to create a fixed stream of income through a process called annuitization and also provides a fixed rate of return based on the terms of the contract. Fixed annuities have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. You should also know that a fixed annuity contains guarantees and protections that are subject to the issuing insurance company’s ability to pay for them.
