Advantage Builder Brainshark Presentation
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Indexed Life Insurance

AVIVA'S INDEXED LIFE PRODUCTS OFFER:

Aviva/AmerUs Life's Indexed Universal Life portfolio consists of several flexible premium universal life plans with an index feature that can help your clients build a solid foundation of financial protection for their families, businesses or estates.

Lifetime Builder: Designed for cash accumulation and retirement income. Provides the highest target premiums of any product in the IUL portfolio.

Vision Builder: Designed for cash accumulation and retirement income. Provides highest account value enhancement on any product in the IUL portfolio.

Liberty Builder: Designed for cash accumulation, retirement income and death benefit protection. Provides higher early year cash values and has more competitive premiums at older issue ages.

Advantage Builder: Designed to provide low-cost death benefit protection. Guaranteed death benefit available with the incredible No Lapse Guarantee Rider. Strong cash accumulation potential (w/o NLG Rider).

“Indexed Life products are currently without comparison”

Indexed Universal Life policies from Aviva/AmerUs Life Insurance Company are fixed, permanent life insurance plans. They combine the features of traditional universal life with the potential to earn interest based on the upward movement of a stock market index. With this unique combination of benefits, indexed life has become popular among financial consumers.

The major difference between traditional universal life and indexed universal life is the way interest is credited. While a traditional UL policy generates a fixed interest rate determined by the insurer, an indexed UL policy earns interest based on the movement of a stock market index. We believe that an indexed life product has the potential for greater interest crediting than the more traditional products. Consequently, this could mean more cash value and more retirement income, as well as the option of having lower total premiums if you wish to use the policy cash value to support the internal expenses. An indexed life product also provides the potential for reward with a guard against market risks. While indexed products credit interest based on the upward movement of an index, these products are not securities. Purchasing an indexed life policy is not the same as making an investment directly in the stock market.

Aviva's Indexed Universal Life policies offer five indexed interest crediting strategies that credit interest based on the movement of an index. Three different indices are used, varying by strategy:

Standard & Poors 500 Composite Stock Price Index: This index is often regarded as the standard for broad stock market performance. It is used to measure the average stock price changes of the 500 most widely held companies representing over 100 specific industry groups. The S&P 500 represents approximately 70 percent of the total domestic U.S. equity market’s capitalization.

NASDAQ-100 Index: This index represents 100 of the largest domestic and international nonfinancial companies listed on the NASDAQ Stock Market based on market capitalization. It reflects companies across major industry groups, including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology.

Dow Jones Industrial Average: This index is probably the best-known and most widely followed index in the world. It consists of 30 of the largest publicly traded firms in the U.S., including retailers, oil, technology, pharmaceutical and entertainment companies. The DJIA accounts for approximately 29 percent of the investable U.S. market, as measured by Dow Jones.

In addition, the indexed strategies include the following features:

Interest Lock-In
Excess dollars directed to the indexed strategies (other than the Two-Year Point-to-Point) creates a new five-year segment. Interest is calculated and credited every 12 months on the funds in a segment. In effect, we lock in any interest every 12 months within a segment and protect it from potential future downturns in the index. Excess dollars directed to the Two-Year Point-to-Point Strategy creates a new six-year segment. Interest, if any, is calculated and credited each 24 months on the funds in a segment. Interest is locked in every 24 months within a segment and protected from potential future downturns in the index. Excess dollars directed to a new indexed strategy will result in a newly created indexed segment with a new starting point, participation rate, and cap, if applicable. Over time, you will generally have a number of distinct indexed segments within the policy.

Resetting the Index Measurement
One of the advantages of the indexed crediting methodology is that the index is reset at regular intervals for the purpose of measuring the movement in the index. In the case of the One-Year Monthly Cap Strategy, the index is reset at the beginning of every month during the interest crediting period. For all other indexed strategies, the index is reset at the beginning of each interest crediting period. This means that if the index declines over an interest crediting period, you do not have to wait for the index to return to its previous level before you start participating in any subsequent index increases.

Aviva offers several indexed interest crediting strategies:

With the exception of the Two-Year Point-to-Point, each of the strategies listed above has a five-year segment term. The measurement of the index(es) is noted periodically, according to strategy specifications, and any increases are locked in annually and any decreases are ignored. At the end of the five-year segment term, the strategy value will be increased, if needed, per the interest rate guarantee outlined below. The Two-Year Point-to-Point has a six-year segment term. The measurement of the index is noted every other segment year and the interest rate guarantee is applied at the end of the six-year period.

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