Saltar a:
Bonus Variable Annuities | Seguros de Vida Term | Estratégia Intercambiar las Options
______________________________________________________________________________
Effective November 6, 2001
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? |
|
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 |
||
|
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 |
||
|
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 |
||
|
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 |
||
|
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.
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 |