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THE USE OF LIFE INSURANCE
• Funeral Cost
• Pay Debt
• Mortgage Protection
• Income Replacement
• Education Fund
• Taxes
• Donation/Gift
• Estate Planning
• Emergency
• Retirement
• Cash Value
• Liquidity
• Build Tax-Free Wealth
• Help Take Care of Loved Ones
FIDELITY & GUARANTY LIFE
Now let me tell you about one of the most advanced product offered through Fidelity & Guaranty.
FIDELITY & GUARANTY LIFE
Originally Incorporated in 1959
• 3 Locations: Des Moines, IA; Baltimore, MD; Lincoln, NE
• $22.4 Billion in Total Assets
• Over 96% of Assets rated in NAIC 1 or 2 Category
• Risk Based Capital in Excess of 450%
• Solid Rating Reviews – A.M. Best: B++ for Financial Strength, the Fifth Highest of 16 Rating Classes
• Stabile Leadership Team with Average of 29 years of Industry Experience
• Over 700,000 Policyholders with 20,000 Licensed Agents
SYNERGY GLOBAL ADVANTAGE GOLD
• Fixed Indexed Account
• S&P 500 Indexed Account
• Gold Commodity Option Account
• Dow Jones Real Estate Account
• Option to Blend Accounts
SYNERGY GLOBAL ADVANTAGE GOLD
• Real Estate prices are on the comeback
• Spread vs Cap on upside potential
• Uncapped strategy has the ability to deliver real performance
• Real Estate Index Credit will never be less than .25%
• Unique to the FIUL marketplace
SYNERGY GLOBAL ADVANTAGE GOLD
• Allocations tied to the performance of the DJ Real Estate Account – DJUSR10T
• Annual One Year No Cap Point-to-Point index interest crediting option
• Use a 20 year look back with a current spread rate of 1.5% to determine current illustrative rate
• Currently illustrating at 10.77%
PAST PERFORMANCE OF SYNERGY GLOBAL ADVANTAGE
DJREIT – 20 year look back – Current Spread 1.5%
Gold – 15 year look back – Current Cap 14.00%
S&P 500 – 25 year look back – Current Cap 13.5%
FG Life-Gold/Synergy Global Advantage Gold
100% PAR S&P Gold DJUSR10T
15-Jan 7.83 15-Jan 8.12 15-Jan 11.87
15-Feb 8.34 15-Feb 9.30 15-Feb 12.48
15-Mar 8.25 15-Mar 8.80 15-Mar 11.71
15-Apr 8.24 15-Apr 8.24 15-Apr 11.67
15-May 8.36 15-May 7.30 15-May 10.82
15-Jun 8.53 15-Jun 9.08 15-Jun 9.61
15-Jul 8.19 15-Jul 7.27 15-Jul 9.47
15-Aug 8.52 15-Aug 8.64 15-Aug 8.98
15-Sep 8.76 15-Sep 8.83 15-Sep 9.62
15-Oct 8.76 15-Oct 9.65 15-Oct 11.07
15-Nov 8.33 15-Nov 7.92 15-Nov 10.86
15-Dec 8.35 15-Dec 8.83 15-Dec 11.10
Avg 8.37 Avg 8.50 Avg 10.77
1. BANKS
80 / 20
2. S&P 500 3. REAL ESTATE 4. GOLD
5. Insurance
TERM
WHOLE LIFE
UNIVERSAL LIFE
VARIABLE LIFE
INDEX UNIVERSAL LIFE
16 / 4
3 / 1FIXED4.5%
InsuranceDeath BenefitLiving BenefitsLiquidityTax Free TransferTax Free LoansLobbyistDownside Protection
S&P 500: 8.37%Real Estate: 10.77%Gold: 8.5%
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