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Saltar a: Bonus Variable Annuities | Seguros de Vida Term | Estratégia Intercambiar las Options

______________________________________________________________________________

 

Effective November 6, 2001

 

Bonus Variable Annuities

This Advertisement is Intended only for Residents of California and South Carolina!!!

Suitability: Most retirees (ages 60 to 85) with over $50,000 invested, and working people (ages 18 to 80) with retirement money to invest.  Both aggressive and conservative risk tolerances can be accommodated.  These contracts are ideal for people rolling over 401(k) accounts or combining IRAs.

Company

Variable Annuity Product

Bonus percent

No. fund choices

No. fund managers

A.M. Best / S&P company ratings

Surrender fee schedule (percent)

Annual mortality & admin. charges

Annual contract fee

No annual fee if contract value above

Cost for ratcheted death benefit

Cost for 6% ann. rate of return guarantee

Cost for earnings (death benft) multiplier

Other riders available?

Manulife Financial

Venture Vantage

4½% (5% over $500k ad 5½% over $2.5MM )

59

24

A++ / AA+

8½,8,7,6,5,4,3,2,0

(eight years)

1.55%

$40

$100,000

0.05%

0.45%

0.20%

Yes

Guardian Insurance & Annuity Co.

C + C

3%

32

10

A+ / AA+

3,2,1,1,0

(four years)

1.55% (1.45% after the 4th year)

$35

N/A

0.25%

N/A

N/A

Yes

Phoenix Home Life

Premium Edge

5% (4% with enhanced death benefit)

43

19

A / AA-

8,8,8,7,6,5,4,3,0

(eight years)

1.60%

$35

$50,000

none

N/A

N/A

No

Lincoln Benefit

Premier Planner

4%

23

9

A+ / AA+

8,7,7,6,6,5,4,3,0

(eight years)

1.40%

$35

$50,000

0.20%

N/A

Only on non-bonus product

No

ING Golden American

Golden Select Premium Plus

5% (4% ages 70-85)

40

20

A+ / AA+

8,8,8,8,7,6,5,3,1,0

(nine years)

1.45%

$40

$100,000

0.25%

N/A

N/A

Yes

These contracts are ideal for new or rollover ROTH and traditional IRAs, and rollover 401(k) or 403(b) plans.  Minimum investment is $10,000 on most products, although some products, such as Guardian and Phoenix ($2,000) and ING [AA+] Golden Select ($1,500), require less to open qualified retirement plans.  The Manulife Venture product (not Venture Vantage) will permit a $2,000 opening investment but does not offer a bonus payment (although all of the other features noted above are available and the expenses are somewhat lower).  All variable annuities carry an IRS penalty of 10% (except in hardship or other qualified cases) for withdrawals prior to age 59½. Click here to search for the Standard & Poors rating for an insurance company.

For more information on any of the above products, please email Dr. John Cobin [John.Cobin@montaukfinancial.com], including your name, address, phone number, date of birth, and the approximate amount of your investment.  Also indicate which product(s) you are interested in.  You may call Dr. Cobin at (805) 604-1423 or (805) 801-0088 cellular.

Securities products offered through

Montauk Financial Group, member NASD/SIPC

Dr. John Cobin, Registered Principal (Rep. #M916)

CA Lic. #0D32920  SC Lic. #568218994

2081 N. Oxnard Blvd., #202, Oxnard, Calif. 93030

Branch location: 851 Almendra Place, Oxnard, Calif. 93030

(805) 604-1423 or (805) 801-0088 cellular

Fax (413) 622-9441 John.Cobin@montaukfinancial.com

South Carolina mailing address: 21 Eagle Ridge Lane, Greenville, SC 29615 (864) 286-6465

 

Home office of Montauk Financial Group: (800) 876-3672, Parkway 109 Office Center, 328 Newman Springs Rd., Red Bank, NJ 07701

 

Disclaimer: This advertisement message is made only to residents of California and South Carolina as privileged and confidential information. If you think, for any reason, that this message may have been sent to you in error, you must not disseminate, copy or take any action in reliance on it, and we would ask you to notify us immediately by return email, telephone or facsimile. Montauk Financial Group, 328 Newman Springs Road, Red Bank, NJ  07701 Phone: 732-842-4700  Fax: 732-842-9047  Please request a current prospectus from the broker before investing or sending money. The above examples are neither a solicitation to buy nor an offer to sell securities but are presented for educational and informational purposes only in order to help interested parties better understand the workings of these kinds of investment products.



Term Life Insurance

This Advertisement is Intended only for Residents of California, Georgia, and South Carolina!!!

Term insurance offers no cash value or investment return but can be useful for temporary (especially 10 year to 20 year) protection needs. Nevertheless, the differences in rates can be astounding, even for essentially the same quality.  For instance, Dr. Cobin has replaced AAA Auto Club and Primerica policies with rates as much as double or even triple those of other companies of equal or better quality.  Five of Dr. Cobin's favorite AA-rated (high quality) carriers are First Colony Life Insurance Co. [AA] (Colony series products), Zurich (Kemper) Life [AA] (Certain-T 2001 series products), Security-Connecticut Life Insurance Co. [AA+], The Old Line Life Insurance Co. of America [AA+], and Lincoln Benefit Life Co. [AA+] (GT Gold series products).  Policies of $250,000 can run as little as $10 to $16 monthly (with premiums guaranteed not to rise for 10 years) for healthy, non-smokers under age 48. Click here to search for the Standard & Poors rating for an insurance company.  Consider the guaranteed rates (current as of October 2001) for guaranteed terms in the following charts.

 

Age 25

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

10.28

9.19

12.03

10.72

15.97

12.91

16.19

14.00

19.69

17.06

27.56

21.44

27.13

22.75

32.38

27.13

47.25

37.63

Zurich Life

10.66

9.41

12.25

11.38

15.31

12.91

16.63

14.00

19.69

17.94

25.81

21.00

27.56

22.31

33.69

30.19

45.94

36.31

Lincoln Benefit Life

15.75

14.00

17.72

15.53

21.44

19.03

26.25

22.75

30.19

25.81

37.63

32.81

47.25

40.25

55.13

46.38

70.00

60.38

 

Age 30

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

10.28

9.19

12.03

11.16

15.97

12.91

16.19

14.00

19.69

17.94

27.56

21.44

27.13

22.75

34.13

28.88

47.25

37.63

Zurich Life

10.66

9.41

12.25

11.38

15.31

12.91

16.63

14.00

19.69

17.94

25.81

21.00

27.56

22.31

33.69

30.19

45.94

36.31

Lincoln Benefit Life

15.97

14.00

18.81

16.19

22.31

20.13

26.29

22.75

32.38

27.13

39.38

35.00

48.13

40.25

59.50

49.00

73.50

64.75

 

Age 35

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

10.28

9.19

12.47

11.59

16.19

14.22

16.19

14.00

20.56

18.81

28.00

24.06

27.13

22.75

35.88

32.38

49.88

42.88

Zurich Life

10.66

9.41

12.25

11.38

15.75

14.00

16.63

14.00

19.69

17.94

26.69

23.19

27.56

22.31

33.69

30.19

47.69

40.69

Lincoln Benefit Life

15.97

14.00

19.03

16.41

22.97

20.34

26.69

22.75

32.81

27.56

40.69

35.44

48.13

40.25

60.38

49.88

76.13

65.63

 

Age 40

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

 [Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

13.78

11.59

17.06

15.09

22.09

18.59

22.31

18.81

29.75

25.81

39.81

32.81

38.50

31.50

54.25

45.50

74.38

58.63

Zurich Life

13.70

12.03

16.41

15.31

22.31

18.38

22.75

18.38

28.00

25.81

39.81

31.94

39.81

31.06

49.44

45.94

73.06

58.19

Lincoln Benefit Life

21.66

18.38

26.03

21.44

31.94

26.91

38.06

31.50

46.81

37.63

58.63

48.56

70.88

57.75

88.38

70.00

112.00

91.88

 

Age 45

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

19.47

16.63

27.34

20.34

36.31

26.69

34.56

28.88

50.31

36.31

68.25

49.00

63.00

50.75

94.50

67.38

128.63

91.88

Zurich Life

19.79

16.41

27.34

20.56

35.88

26.25

35.00

28.00

49.88

36.31

66.94

47.69

64.31

49.44

94.06

66.94

124.69

88.81

Lincoln Benefit Life

29.09

24.28

36.53

29.53

45.94

35.22

52.94

43.31

67.81

53.81

86.63

65.19

100.63

81.38

130.38

102.38

168.00

125.13

 

SMOKER SECTION

Age 35

Monthly Premiums ¾ Best Preferred Rate (Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

32.16

26.69

38.72

30.63

53.81

43.31

59.94

49.00

73.06

56.88

103.25

82.25

104.13

84.88

127.75

98.88

182.00

144.38

Zurich Life

33.28

28.22

42.22

32.38

57.31

45.94

62.13

51.63

79.63

59.94

109.81

87.06

115.94

95.81

150.06

111.56

208.69

164.06

Lincoln Benefit Life

33.91

26.91

43.31

32.59

52.50

43.31

62.56

48.56

81.38

59.94

99.75

81.38

119.88

91.88

157.50

114.63

194.25

157.50

 

Age 40

Monthly Premiums ¾ Best Preferred Rate (Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

45.28

37.19

54.91

45.28

77.88

60.81

86.19

70.00

105.44

86.19

151.38

117.25

152.25

122.50

186.38

153.13

268.63

207.38

Zurich Life

47.85

39.59

57.09

45.94

81.81

62.34

91.44

74.38

109.38

87.06

158.81

119.88

172.81

139.56

207.81

164.06

303.19

227.94

Lincoln Benefit Life

54.47

40.25

67.81

48.78

85.97

63.44

103.69

75.25

130.38

92.31

166.69

121.63

202.13

145.25

255.50

179.38

328.13

238.00

 

For more information on any of the above products, please email Dr. John Cobin [John.Cobin@montaukfinancial.com]. Be sure to include your (1) full name, (2) address, (3) phone and fax numbers, (4) date of birth, (5) gender, (6) height and weight, plus whether you (7) smoke cigarettes (or cigar/pipe), (8) have major health problems; also note (9) the amount insurance coverage needed and (10) an indication of which product(s) you might be particularly interested in.  You may call Dr. Cobin at (805) 604-1423 or (805) 801-0088 cellular.

 



Options Trading Strategies

This Advertisement is Intended only for Residents of California, Oregon, Georgia, North Carolina, and South Carolina!!!

http://www.thestreet.com/basics/gettingstarted/1041158.html
http://www.tesseratrading.com/options/
http://www.numa.com/derivs/ref/os-guide/os-0.htm
http://www.250percent.com/

Dr. Cobin recommends that you search for some more information on options on the web and then “get your feet wet” by opening an account and trading a few positions.  He is an educator by nature (and often by profession) and would be happy to help you understand options and options strategies better by becoming one of his clients.

For more information on options, and to receive an educational graphics spreadsheet which demonstrates how an option strategy will perform, please email Dr. John Cobin [John.Cobin@montaukfinancial.com].  Include your name, address, phone number, date of birth, approximate net worth, and the amount of your proposed investment.  Also indicate which strategies you are most interested in.  You may call Dr. Cobin at (805) 604-1423 or (805) 801-0088 cellular.

Securities products offered through

Montauk Financial Group, member NASD/SIPC

Dr. John Cobin, Registered Principal (Rep. #M916)

CA Lic. #0D32920  SC Lic. #568218994

2081 N. Oxnard Blvd., #202, Oxnard, Calif. 93030

Branch location: 851 Almendra Place, Oxnard, Calif. 93030

(805) 604-1423 or (805) 801-0088 cellular

Fax (413) 622-9441 John.Cobin@montaukfinancial.com

South Carolina mailing address: 21 Eagle Ridge Lane, Greenville, SC 29615 (864) 286-6465

 

Home office of Montauk Financial Group: (800) 876-3672, Parkway 109 Office Center, 328 Newman Springs Rd., Red Bank, NJ 07701

 

Disclaimer: This advertisement message is made only to residents of California, Oregon, Georgia, North Carolina, and South Carolina as privileged and confidential information. If you think, for any reason, that this message may have been sent to you in error, you must not disseminate, copy or take any action in reliance on it, and we would ask you to notify us immediately by return email, telephone or facsimile. Montauk Financial Group, 328 Newman Springs Road, Red Bank, NJ  07701 Phone: 732-842-4700  Fax: 732-842-9047  Please request a current prospectus from the broker before investing or sending money. The above examples are neither a solicitation to buy nor an offer to sell securities but are presented for educational and informational purposes only in order to help interested parties better understand the workings of these kinds of investment products.

 

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