Selling Foundations Annuity

We’ve made it easy for you to engage your clients in a discussion around Foundations Annuity.

FIAs don’t have to be complicated, and with Foundations, we’ve created content to help make it easier to educate your clients on how the product works. From client-friendly presentations to sales ideas to help you generate interest, we’re here to help.

Keep in mind that your Broker-Dealer must approve Foundations and you must be appointed and have completed your product training before selling Foundations.

If you’ve completed your RegEd training, you have access to our customized illustration tool. If not, please take the following training courses:

  • RegEd Foundations-12SB_02
  • Fundamentals-11SB_16

 


Protection When You Need It Most Case Study Thumbnail

 

Foundations Annuity Accumulation and Income Case Study

  • Are today's volatile equity and bond markets of concern?
  • Looking for ways to protect, but also grow retirement savings?
  • Looking for more reliable sources of income in retirement?

This case study examines how a 50/50 allocation into our newest Annual Point to Point Index accounts compare to a traditional 60/40 investment portfolio.

 

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When Is Zero Your Hero Sales Idea thumbnail

 

When Is Zero Your Hero?

  • This sales idea demonstrates how a 0% floor in Foundations can be a "hero" when it comes to protection and accumulation.
  • On average, these index accounts delivered positive interest credits 79% of the time.

This sales idea looks at the hypothetical calendar-year and daily rolling interest credits of all the Annual Point to Point Index accounts offered in Foundations Annuity.

 

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PRODUCT VIDEOS

Below are short client-friendly videos to watch or share that explain the product and how interest credits are applied.

Foundations Overview

 
 

 

 

S&P 500® Annual Point to Point Index Account

 

 

S&P 500® Annual Average Index Account

 

 

 

S&P 500® Monthly Sum Index Account

 

 

S&P 500®Factor Rotator Daily RC2 7% Index Account

 

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S&P 500® Low Vol. Daily Risk Control 5% Index Account

 

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S&P Multi-Asset Risk Control (MARC) 5% Index

Multi-Asset Risk Control Index Account

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Morningstar Wide Moat Focus Barclays 7% Index

Morningstar Wide Moat Barclays VC Index

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S&P 500® Low Volatility Daily Risk Control 5% Index

This Index aims to provide stable returns during volatile and low interest rate environments.

Annual and 2-year Point to Point Index Accounts offered.

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S&P 500® Factor Rotator Daily RC2 7% Index

This Index aims to provide positive returns during multiple market environments:

  • Economic slowdown, contraction, recovery, or expansion
  • Dramatic market swings
  • Low interest rate environment

Annual and 2-year Point to Point Index Accounts offered.

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S&P Multi-Asset Risk Control (MARC) 5% Index

This Index aims to perform during multiple market environments.

  • Growth
  • Rising rate environment
  • Falling rates
  • Volatility
  • High inflation and/or weak US Dollar market

Annual and 2-year Point to Point Index Accounts offered.

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Morningstar Wide Moat Focus Barclays VC 7% Index

This Index aims to provide stable returns based on the long-term strength of its selected stocks across multiple sectors.

Annual and 2-year Point to Point Index Accounts offered.

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Find your Sales Team

For more information (including financial professional fact sheets and resources), contact your dedicated Sales Team.

We’re here to help your clients To and Through Retirement®.

FINANCIAL PROFESSIONAL USE ONLY — NOT FOR USE WITH CONSUMERS
 

Security Benefit Life Insurance Company is not a fiduciary and the information provided is not intended to be investment advice. This information is general in nature and intended for use with the general public. For additional information, including any specific advice or recommendations, please visit with your financial professional.

This material contains highlights only. Please refer to the annuity contract for a full explanation of the product and any charges or limitations. The Security Benefit Foundations Annuity, form 5800 (11-10) and ICC10 5800 (11-10), a fixed index flexible premium deferred annuity, is issued by Security Benefit Life Insurance Company. Product features, limitations, and availability may vary by state. In Idaho, Foundations is issued on form ICC10 5800 (11-10).

The “S&P 500 Index,” “S&P 500 Low Volatility Daily Risk Control 5% Index,” “S&P Multi-Asset Risk Control (MARC) 5% Index,” and “S&P 500 Factor Rotator Daily RC2 7% Index” are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Security Benefit Life Insurance Company (SBL). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”), and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by SBL. The Foundations Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing the Foundations Annuity nor do they have any liability for any errors, omissions, or interruptions of the above named indices.

Neither Barclays Bank PLC (BB PLC) nor any of its affiliates (collectively Barclays) is the issuer or producer of the Security Benefit Annuity (the Product) and Barclays has no responsibilities, obligations or duties to purchasers in the Product. The Morningstar Wide Moat Focus Barclays VC 7% Index ER (the Index), together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by Security Benefit Life Insurance Company (Security Benefit) as the issuer or producer of the Product (the Issuer).

Barclays' only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled, and published by BB PLC in its role as the index sponsor (the Index Sponsor) without regard to the Issuer or the Product or purchasers in the Product. Additionally, Security Benefit as issuer or producer of the Product may for itself execute transaction(s) with Barclays in or relating to the Index in connection with the Product. Purchasers acquire the Product from Security Benefit and purchasers neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in the Product. The Product is no sponsored, endorsed, sold, or promote by Barclays and Barclays makes no representation regarding the advisability of the Product or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, purchasers, or the other third parties in respect of the use of accuracy of the Index or any data included therein.

Bloomberg Index Services Limited is the official index calculation and maintenance agent of the Index, an index owned and administered by Barclays. Bloomberg Index Services Limited does not guarantee the timeliness, accurateness, or completeness of the Index calculations or any data or information relating to the Index. Bloomberg Index Services Limited makes no warranty, express or implied, as to the Index or any data or values relating thereto or results to be obtained therefrom, and expressly disclaims all warranties of merchantability and fitness for a particular purpose with respect thereto. To the maximum extent allowed by law, Bloomberg Index Services Limited, its affiliates, and all of their respective partners, employees, subcontractors, agents, suppliers and vendors (collectively, the protected parties) shall have no liability or responsibility, contingent or otherwise, for any injury or damages, whether caused by the negligence of a protected party or otherwise, arising in connection with the calculation of the Index or any data or values included therein or in connection therewith and shall not be liable for any lost profits, losses, punitive, incidental or consequential damages. 
 

The Index is created and maintained solely by Barclays using a combination of U.S. Treasury Futures holdings selected by Barclays and the Morningstar Wide Moat Focus IndexSM (Wide Moat Focus Index) in its entirety. Morningstar, Inc. (Morningstar) has no relationship to Barclays, other than to license Barclays the right to use the Wide Moat Focus Index in the Index. Under this licensing arrangement, Barclays must include the Wide Moat Focus Index in its entirety in the Index. Morningstar has no responsibility for the compilation or maintenance of the Index or its performance, and no liability to anyone for its use. The Morningstar name and logo are registered marks of Morningstar. Morningstar does not guarantee the accuracy, completeness or timeliness of the Wide Moat Focus Index or any data included in it and expressly disclaims any warranties associated with it. 

The Product is a fixed index annuity created and maintained by Security Benefit. The Product is not sponsored, endorsed, sold, or promoted by Morningstar or any of its affiliates (collectively, the Morningstar Entities). The Morningstar Entities make no representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of acquiring any financial product, including, without limitation, the Product. The Morningstar entities are not responsible for and have not participated in: (i) the determination of the participation of the crediting strategy of the Product; (ii) the timing of the issuance or sale of the Product; or (iii) the determination or calculation of the equation by which the Product is converted into cash; and the Morningstar entities have no obligation or liability in connection with the purchase, administration, marketing, or crediting of interest for the Product.

Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Annuities are not FDIC or NCUA/NCUSIF insured; are not obligations or deposits of and are not guaranteed or underwritten by any bank, savings and loan, or credit union or its affiliates; and are unrelated to and not a condition of the provision or term of any banking service or activity.
 

Fixed index annuities are not stock market investments and do not directly participate in any equity, bond, other security, or commodities investments. Neither an index nor any fixed index annuity is comparable to a direct investment in the equity, bond, other security, or commodities markets.

Neither Security Benefit nor its representatives offer legal or tax advice. Please consult with your personal attorney and/or advisor regarding any legal or tax matters.

SB-10008-80 | 2023/06/12