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Annuity Investors Life


FlexMax 14


A Fixed Indexed Annuity with a 14-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  A   Standard & Poor's:  A+  

Rates
  Current Rates
xx/xx/xxxx
Guaranteed
Minimum Values
   Cap Part Rate Cap Part Rate
1 Year S&P 500 Annual Point-to-Point   ***    ***    ***   *** 
1 Year S&P 500 Monthly Averaging with Cap   ***    ***    ***   *** 
Declared Rate Strategy   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rates
WA ****
AK AL AR AZ CA CO DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK PA RI SC SD TN TX UT VA WI WV WY ****

Premium Bonus
 Year: 1 2 3 4 5
Bonus Rate: **** **** **** **** ****

Policy Notes

The @annuityname@ is true FPA contract and accepts flexible --[ subscription required to view full text ]--
*** @***********@ ** **** *** ******** *** ******* ********, ******** *** ****** ******** ******** *** ***(*) ***, ************ *** ***-************ *** *** ***-********* *****. *** ****** *** ** ****** *** ******** ******** *** ** **** **** *** ******** ******* ******* ** *** ******** ***.

*** @***********@ ****** * @************@% ******* ***** ** * ******** **** ****** *** ***** @*****************@ ***** *** *** * @*******@ ***** ********* ****** ******.

********** ** ******** ********
*** ***** *** ****** ********** ** *** **** ** ********** * ******* ******* ** ****** *** ******* *** *****. ******* *** *** ******** ******** **** ***** **** *** ******* ** *** *******. *** ***** ******* ** *** ********, ******* **** ** ******* ** *** *** ** *** ****. *** **** *** ***** ******** ** *** ****.

******** ******* ******* ******** ****:
******** ** ******** ***** ** ******* ** *** ******** ******* ******* ***** ** *** ********** ******** ******* ******* ******** ****. *** **** **** *** ****** ****** * ********’* **** *** ** ********** ** ***** ** ***** *** ********** ******* ******** ******** **** *** *** ********** *****.

Provisions
Free Look Period: ****
(Free look period may vary by state)
Rate Lock Protection: ****
Bail Out Provision Available: ***
*** *** ***: ****
Loan Provision Available: ***
*** *** ***: ****
Tax Sheltered: ***
Market Value Adjustment: ***
MRD: ***
Front-End Fee: ***
Annual Maintenance Fee: ***
Return of Premium Available: ***
Death Benefit is: *** ****
Premiums
  Non-Qual Qualified
Min Single Premium: **** *******
Max Single Premium:
Age < xx: **** *******
Age > xx: **** *******
Payroll Deduction: **** ****
Min Added Premium: **** ****
Flexible Premiums ******* : ****  
Min Single Premium Impaired: ****** ******
Min Single Premium Period Certain: ****** ******
 
Age Restrictions
  Min Age Non-Qual Qualified
Owner:   ***** *****
Annuitant: ***** ***** *****
Impaired:   ***** *****
Annuitization Age:   ***** *****

***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


Systematic Withdrawals


Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

. --[ subscription required to view full text ]--
.

Commissions
Effective date of commission schedule: 04/01/2018
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

NT

Non-Qualified

FlexMax 14
Up to age 55 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Ages 56-70 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Ages 71+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****

NT

Qualified

FlexMax 14
Ages 18-55 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Ages 56+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****

T1

Non-Qualified

FlexMax 14
Up to age 55 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Ages 56-70 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Ages 71+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****

T1

Qualified

FlexMax 14
Ages 18-55 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Ages 56+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****

T2

FlexMax 14
All permitted ages Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Initial Premium: **** **** **** **** **** **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****

  • Commission & Chargeback guidelines are subject to change at Company discretion.
  • Commissions are paid on individual applications only using Signed Date of application to determine the agent contract level in effect. Bonus Commissions are paid only to actively contracted agents.
  • Commissions are based on the age of the oldest Owner at receipt of 1st premium.
  • Services fees (commissions in years 11+) are payable only to active agents. Refer to your agent contract for speci --[ subscription required to view full text ]--
    • ********** & ********** ********** *** ******* ** ****** ** ******* **********.
    • *********** *** **** ** ********** ************ **** ***** ****** **** ** *********** ** ********* *** ***** ******** ***** ** ******. ***** *********** *** **** **** ** ******** ********** ******.
    • *********** *** ***** ** *** *** ** *** ****** ***** ** ******* ** *** *******.
    • ******** **** (*********** ** ***** **+) *** ******* **** ** ****** ******. ***** ** **** ***** ******** *** ******** ***********.
    • *** ******** ** ******** ******* & *** ******** ******* $*,*** ** ******* **** ** ********** ****** ******* *** **** ***********. ****** ******* ******** ** **** * ** ***** *** **** ******** ******* ***** ****** ********* *****.
    • *** ****** ***'* (*** ***** ***) ** ********* ** *** **** **** ********** ***% ** *********** ****.
    • ***** **** *********** **** ** ********* ** *** ********* ** ***** *** **** ** ******* ** ********** ***** *********** ***/** ******* ******** *** **********, ********* *** *** ******* ** *** ******* ** ******** **********. ******* ** ******** ********** ******* ** *** ***** *********, **********, ******, ************** *** **** ****** ** ****** ** ***** ****** *** ** *** *******.
    • ****** ****** ******* ******* ******* **** *** ******* ********** ***** *** ************. *** ********* **** ** **** ** ******* ********** *****: ******** *********** (*.*., *** ******** ****** ** * ****** ** *** *********** ** ******** ******** ****** *** *******); **** ****** **** ** ************* & ************ ******** *** *********** ** ***** ****** ********.
    • *** ****** ******** ** *** ****** ****** *** ***** ****, ****** ***, **** ****** ** * ********** ** ********** ***** ******* ******* ********** ********** *****.

      ********** ***********
      *********** ******* ****** ******** (******)
      * - * * - ** ** - **
      ************* *********** ** [******** *******](*), ***** ****** *-*-* * * *
      ***** **** * ***% ***% ***%
      *** ****** ***% ***% *
      ***** *** ******* ******** ***% ***% *
      ***** ****** *-*-* ***% **% *
      *** ****** * * *
      **** ********* ***** **** *****, *******, ******* **** ***% ***% *
      ***** **** * ***% ***% ***%
      *** ****** ***% **% *
      ******* ********** *********** **, ******* *, ** & ** * * *
      ***** **** * ***% ***% ***%
      ******* & ******* **** ***% ***% *
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      (*) ** ****** ********** ******, ************** *** ******* ** ** ** **** ***** ** **** **** ** ****** ** ***% ** *** ******* ****** ******* ********* ******* ********** ****. ************** *** ******* ** * ***** ** **** **** ** ****** ** **% ** *** ******* ****** ******* ********* ******* ********** ****.

      (*) ****** ******* ************* **** ** ***** ******** ****** ******** ********** *****.


Related Information

Other Annuity Investors Life Products

Fixed Annuity
GreatFlex 6
GreatFlex 6 (IRA Contracts)
GreatFlex 6 NQ
Fixed Indexed Annuity
FlexMax
FlexMax Plus
SingleMax Ten
SingleMax Ten No MVA

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