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| "TIME is MONEY WHY LOSE EITHER?" |
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TRANSFER WEALTH NOT TAXES
Estate planning is the Logical, careful financial planning you have done over the years. It is the master plan by which you will conserve your estate controlling how much property your heirs receive, when they receive it and how they receive it. Your Estate Plan can be simple or complex as your needs dictate. What's important is to use all the tools available to you to accomplish your individual objectives. FCFS offers some of those tools with our data base of over 335 different annuities. We offer annuities, free from probate, that have guaranteed rates for a fixed period, with no lump sum and monthly premiums as little as $83.33
The GENERATION PLANNER II: Create a larger estate for your Beneficiaries, free of INCOME-TAX.
* Instantly increase the amount of money you can leave to your HEIRS!
* Have access to the money if you need it yourself during your lifetime!
* Protect your standard of living from the high cost of Long-Term-Care!
EXAMPLE: Male age 65 can transfer $100,000 from a CD to the GP Life Policy and the death benefit value instantly increases to $210,000 (available for any amount CD or rollover).
* Receive affordable protection for all stages of your life including:
* A terminal Illness Accelerated benefit.
* Optional Long-Term-Care rider; providing cash with no hospitalization or nursing home stay REQUIRED! Avoid probate, adverse income-tax, potentially Federal Estate taxes and transfer WEALTH not TAXES to your HEIR(s)
** Until recently, millions of Americans felt the stock market was the best choice to grow their savings/retirement nest eggs. They confidently counted on the stock market to fund their retirement years. Now, however, they‘re not so sure. Maybe you feel the same way? Are you looking for a safe harbor for your retirement fund(s)--tired of the market roller coaster--paying more than your share of short term/long term capital gains taxes--taxes on your dividends and even taxes on your savings? If so, then a TAX-DEFERRED ANNUITY may be the answer to the above tax/savings concerns.
AVOID ANY RISKY MOVES THAT COULD COST YOU YOUR MONEY WITH THESE FLEX-PREMIUM TAX-DEFERRED ANNUITIES!! (up dated 03/21/2008)
**Indexing allows the investor the opportunity to participate in the market and enjoy the upside potential WITHOUT any of the DOWNSIDE risk!!! YOUR INDEX INTEREST CREDIT CAN NEVER BE LESS THAN ZERO GUARANTEED!!!
The All New SAFETY INDEX ANNUITY
With multiple surrender options of 4-yrs -- 7-yrs -- and 10 years. Plus your choice of indexing to the S&P-500 on a Annual point-to-point-(ptp) method, Monthly point-to-point or Monthly averaging method and/or in combination with the fixed rate options of 3.7%, 3.8% or 4.0% respectively.
* Safety Index-4, Monthly ptp cap = 2.50%, Annual PTP cap = 6.75% Monthly Avg.= 10.00%.
* Safety Index-7, Monthly ptp = 2.75%, Annual ptp = 7.00%, Monthly Avg. = 8.5%
* Safety Index-10, Monthly ptp = 3.00%, Annual ptp = 7.00%, Monthly Avg. = 9.00%
Qualified for 403-b TSA & Stand-Alone monies
(Above rates are for roll-over/transfers of $100K or less, rates for $100K or more increase by .25% for M-ptp, 1.00% for Annual-ptp, & 1.50% for Monthly-averaging).
The PREMIERDEX Series
The PremierDex, 4.0% monthly cap & the PremierDex-5, 3.8% cap offer the potential for handsome annual returns.
* With a 4.0% monthly point-to-point cap, the annual potential return of 48.0%
* Indexing to one or both the S&P-500, Nasdaq-100 with a 4.0% monthly cap.
* Any gain between ZERO and the monthly CAP e.g. 4.0% is credited to your annual sum total return.
* Negative monthly credits are used in tabulation of the annual return, BUT negative years will not affect your annuity value.
* Plus a HIGH water feature, allowing one to look back at the BEST years index credit and bring it to the present.
* The PremierDex, offers a 7-year walk-a-way option.
* The PremierDex-5, offers a 10-year walk-a-way option, PLUS a 5% matching cash bonus for the first 5-years.
* Access 10% a year of your premium paid, up to 100% of your dollars for emergency needs.
* Walk-a-way with your original principal in tact; your newly acquired interest and your 5% bonus in just 10-years.
* $25,000 minimum to open the stand alone tax-deferred annuity, ALSO qualifying for SEP-IRA, IRA, Keogh, SIMPLE plans, Roth-IRA & IRAs.
"The MASTERDEX Series"
This Series of annuities comprised of the
MasterDex
* 7-year walk away, 2.4% monthly cap.
MasterDex-5
* a 5% bonus for the first 5-years, 10-year walk away, 2.2% monthly cap.
MasterDex-10
* a 10% matching cash bonus for the first 5-years, 2.7% monthly cap.
* Provides exceptional growth potential and immediate liquidity for emergency & non-emergency needs.
* Indexing to the S&P-500 and/or Nasdaq-100, E.g. the S&P-500 opens at 1300 points moves to 1332.5 points at month end, which is a 2.5% index gain. The cap is the monthly maximum that will be credited to your annual total return.
* ZERO years, as in 2000 will not affect your annuity balance, not one PENNY.
* You can access 10% of your premium each year up to a maximum of 50%.
* What does all this mean to you? Exceptional Growth Potential, No Downside Market Risk & Immediate Liquidity for Emergency & Non-Emergency Needs.(Allianz Life of North America member of the Allianz Group).
SPECTRUM CHOICE REWARDS Bonus Index Annuity:
* Indexing to the S&P-500 with 1-yr, 2-yr or 3-yr crediting options.
* The 1-yr interest crediting offers a monthly cap, point-to-point of 3.00%, if the S&P-500 reached it's cap each month (3.10%) your potential annual return (tax-deferred) would be 37.2%.
* The 2-yr monthly cap is 3.25%, sum total of 24-months to tabulate your Bi-annual index return.
* AND the 3-yr monthly cap is 4.5%, return tabulated over a 36-month sum of digits.
* PLUS a 6% 1st year bonus, to help off-set fees that you may occur in rolling-over to the Spectrum.
* In Addition, you can allocate a percentage of your funds to the interest account option at 2.75%.
* To start the annuity a $10,000 minimum for qualified money,(SEP-IRA, IRA, Roth-IRA, SIMPLE Plans, Keogh, 403-b, 457-plans,)or a $10,000 minimum for non-qualified money, alternative to CDs & SAVINGS.
* A 14-year decreasing surrender charge applies.(Issued by Old Mutual Life-Fidelity & Guaranty Life).
THE POWERDEX Elite 10% bonus Annuity
* 10% matching cash bonus for the first 5-years.
* 12.0% cap.
* $2,000 qualified or $5,000 non-qualified to open.
* The PowerDex Series offer 100% participation,indexing to one or both the S&P-500 and/or the Nasdaq-100.
* Annual point-to-point reset: once the gains have been applied to your annuity value the year ending point is the new year starting point
* 5-yr. High-Water 5-year look back. (Allianz Life of North America).
The Redesigned MARKET Choice II.($10,000 min. Q or NQ)
A Flex Premium Deferred Annuity with 9 different Indexing Options.
DAILY AVERAGE/ANNUAL RESET:
* S&P-500 90% paticipation NO cap.
* Dow Jones (DIJA) 95% particiaption NO cap.
* Russell 2000 65% participation NO cap.
* S&P-400 Midcap 80% participation. NO cap.
* Point-to-Point Method 14%-cap Annual Reset.
* S&P-500 60% participation.
* DJIA 70% participation.
* Russell-2000 65% participation.
* S&P-400 65% participation.
* NASDAQ-100 60% participation.
* OR Fix Rate Option at 3.25%. (North American Life & Health Insurance).
LOYALTY REWARDS INDEX Annuity ($5,000.00 min, Q or NQ)
* As a Flex-Premium or Single Premium Deferred Annuity.
* FPDA, 100% Participation to the S&P-500, DJIA, 8.25% cap monthly averaging.
* SPDA, 100% Participation to the S&P-500, DJIA.
* Monthly point-to-point cap 7.25%. (Fidelity & Guaranty Life, A+).
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