Back End Load Annuity

Fixed-Income Portfolio Fund - Great-West Life
FUND FACTS · Flexible Accumulation Annuity and Flexible Income Fund investment plans All information as at December 31, 2011 Quick facts: Date fund available: December 12, 2000 • Back-end load units - up to 0.50 per cent of the value of your investment each year ... Read More

STANDARDS FOR ANNUITY SETTLEMENTS
STANDARDS FOR ANNUITY SETTLEMENTS. front-end or back-end charges or 12b-1 fees. 5. b. The amount of the load decreases over time or the anticipated return is so good that the return, less the load, will likely result in a performance over that of no-load funds. c. ... Document Retrieval

Variable Annuity Taxation - Beware Variable Annuity Tax ...
Variable annuity taxation is talked up, but the reality is you may pay more in taxes by using a variable annuity than if you had used other investment alternatives. ... Read Article

REQUEST TO SWITCH INVESTMENTS
♦ I may be purchasing a mutual fund that has a contingent deferred sales charge (back-end load). ♦ I may be purchasing a variable annuity that is subject to surrender charges. 2. I understand that I may incur a capital gain tax liability on any profit realized thus reducing my ... Document Retrieval

X. MUTUAL FUNDS - Wells College Advanced Webmail Entrance
A sales charge on fund purchase, reduces the number of shares purchased Back End Load (Redemption Fee or Contingent Deferred Sales Charge with the yield on the annuity varying depending upon the investment performance of the types of securities represented in the sub account F ... Document Viewer

403(b) & 457 Plan Terms Glossary
Annuity. This is a contract between an insurance company and an individual that generally guarantees a lifetime income option, usually at Back-end load. A fee (sales charge or load) that investors pay when selling . mutual fund shares within a specified number of years, usually five ... Content Retrieval

Getting A Better Rate With An Enhanced Annuity - YouTube
An annuity is usually paid for using a pension fund built up over time; in return for an upfront premium you receive a regular income which will often continue until the end of your life. Load more suggestions . Language: English Country: Worldwide Safety: Off ... View Video

A Case Study In Asset/ Liability Management
The next two product lines are growing pretty well --front-end load and back-end load universal life products. They're fairly typical products. tion the company is heading is to concentrate on the back-end UL and the flexible premium annuity, ... View Doc

SIS REQUEST TO SWITCH INVESTMENTS ACKNOWLEDGEMENT
Fund, annuity, life insurance etc.) to reinvest the proceeds into another company’s investment that is sold by prospectus. (back-end load). I am purchasing an annuity or life policy that is subject to surrender charges according to the following schedule: ... Doc Retrieval

APPENDIX I 12b-1 Fees Paid By Mutual Funds 2006
4 All other load share classes not classified as front load, back-end load, or level load. CDSL = 0 percent, and 12b-1 fees ≤ 0.25 percent. 6 Includes variable annuity money market funds. 7 Excludes variable annuities. Note: Components may not add to total because of rounding. Sources ... Read More

Annuities - Michigan State University
Annuity. This MontGuide describes what an annuity is, how an annuity works, the types of annuities, how back-end load charge. Settlement Options A straight-life or lifetime-only annuity pays the annuitant until death, regardless of whether he or ... Get Content Here

Glossary Of Retirement Plan And Investment-Related Terms
Fixed Annuity: An annuity contract in which the insurance company makes fixed or guaranteed A back-end load is charged at the time of sale or redemption. Longevity Risk: The risk that you will live longer than expected with the potential result that ... View Full Source

Universal Life Insurance - Wikipedia, The Free Encyclopedia
Annuity alternative, when a policy owner has a lump sum of cash that they intend to leave to the next generation, the account value at the end of the premium period may not be adequate to continue the policy as originally written. In this case, the policyholder may have the choice to either: ... Read Article

Income (GWLIM) - Great-West Life
FUND FACTS · Flexible Accumulation Annuity and Flexible Income Fund investment plans All information as at December 31, 2011 Quick facts: Date fund available: November 8, 1994 • Back-end load units - up to 0.50 per cent of the value of your investment each year ... Fetch Document

| Fund Under Management Of Variable annuities (Billion JPY)
Annuity fund at the end of the accumulation phase. The annuity fund can be protected even if the investment performance falls below front-end load and back-end load methods of recouping acquisition costs are available. Normally ... Fetch Document

Mutual Funds - What Are Mutual Funds?
Some funds also charge investors an upfront sales charge/load when he/she first purchases shares in the fund, while other funds charge a back-end load mutual funds are “open-end” funds -- one of four basic types of an investment company. ... Read Article

Why Is The Northwestern Mutual Select Variable Annuity ...
Annuities in the marketplace, the back-load design Select Variable Annuity enhances long-term value when Class B units convert to Class A units. Purchase payments that reach the 0% withdrawal charge category,and a proportionate share of earnings automatically ... Retrieve Document

Annuities - Montana State University Extension - Bozeman Montana
An annuity outright or utilize their pension funds to purchase one. What is an annuity? Basically, annuities have fees for initial sales load (similar to a commission investors pay when they purchase any type of security from a broker) ... Document Viewer

Annuity Product Development Update - Society Of Actuaries
ANNUITY PRODUCT DEVELOPMENT UPDATE Moderator: PHILIPK. POLKINGHORN Panelists: WILLIAM R. BRI'FI"ON,JR. EDWARD F. MCKERNAN MICHAEL WlNTERFIELD a front-end load or a back-end surrender charge, should not exceed 10% (as ex-pressed in the present SNFL). ... Access Content

INVESTMENT EXCHANGE FORM
Which is a Fixed Annuity Life Insurance Variable Annuity/Variable Life UIT Mutual Fund that carries: No Load Back-end Load Front-end Load Level Load A transaction/sales charge of ... Fetch Full Source

214 New Laws Take Effect Jan. 1, 2012
More than 200 new laws, covering everything from local library boards to murder, will take effect Jan. 1. ... Read News

Teachers Insurance & Annuity Association (TIAA) College ...
This variable annuity account seeks a long-term rate of return that outpaces inflation, primarily through investment in inflation-indexed bonds—fixed-income securities whose returns are designed to track a specified inflation index over the Front/Back End Load Fees: None ... Get Document

Understanding The Costs Of Your InvestsFINAL - MCPS YourPlan.info
Of a variable annuity, back-end loads typically are in effect for many years and decline over time. An example would be the back-end load starting at 7 percent in year one and declining to zero after year 6. MCPS For Your Benefit 3 ... Retrieve Content

3 2 2 2 FV Of Annuity Concept 14 24 - YouTube
10:06 Present Value of an Annuity 2 (Term 3 HSC General Maths pg8) by Benjamin Odgers 231 views; 35:07 Excel 2010 Business Math 84: Annuities: FV, PV and PMT for End & Begin (9 Examples) Load more suggestions . Language: English Country: Worldwide Safety: Off ... View Video