Details for SAFE MONEY CONCEPTS INC - Ad from 2019-03-17

Annuity.

Planning for your
financial future.
Max I

Single Premium Deferred Annuity

Compare the Max I Annuity
to a taxable bank Certificate of Deposit

Interest Rate

4.05%

The Advantages of Max I Annuity...
Small Premiums –
You can start your Max I with as little as $5,000 single premium deposit. This
modest minimum premium payment provides individuals with an opportunity to
begin enjoying the benefits of fixed annuities, without a large up-front commitment
of resources.
Competitive Interest Rate –
Family Benefit Life Insurance Company has a proud history of paying competitive
interest rates. The interest rate you receive at issue is guaranteed for the first 5
years of your annuity contract. After that, you will benefit from competitive renewal
rates based on the current interest rate environment and current market conditions.
The Company will declare a new interest rate which is guaranteed for that contract
year. In addition, the interest rate is guaranteed to never go below the contractual
minimum guaranteed rate!
No Market Risk –
Your Max I can provide you with peace of mind, knowing that fluctuations in the
stock or bond markets cannot cause you to lose principal. This safety of principal is
one feature that makes fixed annuities a valuable addition to many retirement plans.
Small Early Withdrawal Fees –
Because fixed annuities are designed for retirement planning, early withdrawals
may incur surrender penalties. The Max I has a short surrender fee period (most
annuities carry 7-9 year periods), and assesses the following surrender fees:

1
7%

2
6%

3
5%

4
4%

CDs

YES

YES

YES2

YES3

Interest Grows Tax Deferred

YES

NO

Guaranteed Minimum Rate

YES

YES

Extended Care Benefit

YES

NO

Avoids Probate

YES

NO

Tax-Advantaged Income Options YES

NO

Guaranteed Lifetime Income

YES

NO

May Reduce Income To
Lower Social Security Tax

YES

NO

Guaranteed Principal

APY* for 5 Years

Policy Year:
Surrender Fee:

Max I1

5
6+
3% 0%

Access to Funds

Annuities are insurance contracts and are not
guaranteed by any bank, nor insured by the FDIC.

1

Early withdrawals are subject to withdrawal fees and,
if made prior to age 59½, the taxable amount may be
subject to a 10% federal income tax penalty.

2

3

Penalty-free access during grace periods only.

For more information, contact Safe Money Concepts (309) 848-9025 ssidor@SafeMoneyConceptsOnline.com
* Interest Rate assumes no withdrawals. After the initial 5 year guaranteed period, Interest Rate is subject to change on an annual basis. The minimum guaranteed
Interest Rate is 3.00%. 5 Year Surrender Charge. MAX I policy is a single premium deferred annuity. Policy form series ICC15-FB-MAX I or state equivalent. MAX I policy
is underwritten by Family Benefit Life Insurance Company, Tulsa, OK. Other limitations and exclusions may apply. Not available to residents of all states.
(MAX I-AD 07-2018)

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