[p] 800.496.3572
 [f] 800.496.3717
   
Home
About Us
Is IPG a Fit for Me?
  Why IPG?
  Our Team
  Team Bios
  Products & Companies
  Incentives & Tools
Calculators
Companies
Forms
New Business
  Contracting
  Marketing & Other
Incentives & Trips
Quotes
Resource Center
Vital Signs
Contact Us
IPG Central
IPG East
IPG West

e-mail newsletter

A member of LifeMark Partners
Guaranteed Rate Traditional Index Flexible Premium Immediate
* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Guaranteed Rate Annuities    Printable Version    
Company The Standard
Product SRA 6
AM Best Rating A
Guarantee Period 6 Year(s)
Premium Bands $100k+ $15k+     
1st Year Rate 2.00% 1.90%     
Rate Year 2 - end of guarantee period 2.00% 1.90%     
Average Yield to end of Surrender Period 2.00% 1.90%     
1st Year Bonus N/A N/A     
Interest Rate Notes
Rate Lock 45 Days from receipt of application
Maximum Premium $1,000,000 without prior H.O. approval
Minimum Premium $15k Qualified & Non-Qualified
Premium Type Single
Minimum Additions N/A
TSA Loan Provision N/A
Minimum Contractual Interest Rates 3.00%-1.50% - new minimum interest rates will be applied by state and can change monthly. Click Here For Details
Maximum Issue Age 0-90 Qualified & Non-Qualified
Surrender Charges as a percentage of Account Value by Year 6 Years  9,8,7,6,5,4,0%
Surrender Charge Notes Premium Guarantee: Client will never receive less than the premiums that were paid into the Secured Rate Annuity, minus any prior withdrawals.
MVA No
Window No
Free Withdrawals 10% after one year, Systematic Interest after 30 days.
Surrender Charge at Death No
Nursing Home Surrender Charge Waiver Yes: After the first year, if you become a nursing home resident for 30 or more consecutive days, surrender charges are waived on withdrawals. [The nursing home waiver is not available in Massachusetts.]
Terminal Illness Surrender Charge Waiver Yes: After the first contract year, if you become terminally ill, surrender charges are waived on withdrawals. Not available in some states. [In Massachusetts, the terminal illness waiver is available during — rather than after — the first contract year.]
Unemployment Surrender Charge Waiver No
Annuitization Waiver
Action at end of Term No
Comments
Commission Schedule
4.00%
2.00%
1.45%
Trails 		00-80
81-85
86-90
Avail.
Commission Notes Trail Commission Options:
Ages 0-80
Option A: 4.00% upfront and 0.00% annual trail
Option B: 2.00% upfront and 0.40% annual trail
Option C: 1.00% upfront and 0.60% annual trail
Ages 81-85
Option A: 2.00% upfront and 0.00% annual trail
Option B: 1.25% upfront and 0.25% annual trail
Option C: Not Available
Ages 86-90
Option A: 1.45% upfront and 0.00% annual trail
Option B: 1.00% upfront and 0.25% annual trail
Option C: Not Available

Commission Chargeback:
100% of commission will be recaptured on SRAs surrendered during the first six contract months. Fifty percent of commission will be recaptured on SRAs surrendered between the sixth and twelfth contract months. There is no chargeback on death of the annuitant.
Product Availability by State Not Available in NY
New Business Forms Click Here
Contracting Forms Click Here
Client Sales Literature SRA 6 Client Sales Literature
Agent Sales Literature
SRA 6 Agent Sales Literature
VitalSigns - Company Financials Click Here    
Company News Announcements
Request an Illustration Click Here
Print this Chart Click Here  
 

Annuities | Life Insurance | Long-Term Care Insurance | Disability Insurance | Calculators | Forms | Incentives & Trips | Resources | Vital Signs | Contact | Quotes

Follow IPG-US.com on the social web Facebook Twitter
Copyright © 2004-2010. Independent Planners Group, LLC. All rights reserved. For Agent or Broker/Dealer Use Only. Products and carriers are not available in all states. Terms of Use | Privacy Policy
Please call IPG for current availability. Securities offered through CUE® Member NASD and SIPC. Photographs by Peter Haigh.