Buffer
A 5-year contract with open-architecture and a 10% buffer
What is Pacific Choice 2 Investment Guard?
The main tee-up slide for F&G and SILAC in a pre/scope
What is the power of the floor?
A life insurance policy that pays a tax-free DB if the insured kicks the bucket during a pre-specified time period
What is a term policy?
A simple interest 6% increase in the Income Base if market is down or doesn't outperform a simple 6% roll-up on the Income Base
What does the roll-up do?
The feature on a product that guarantees you can get back the amount you originally invested (your principal), even if the investment underperforms, when you croak.
What is ROP?
This product offers QQQ with no fee, 10% buffer, the potential for a participation rate, and tax-deferral.
What is Pacific Protective Growth?
A life insurance policy that has cash value and market protection
What is an IUL?
This is the surrender schedule for RILA
What is a 6-year contract?
A type of contract that gives you all the life insurance premiums back at the end of the term.
What is a ROP Life Insurance Contract?
The carriers for all the buffer products used by FFA.
Who is Pacific Life?
A life insurance policy that has been overfunded beyond IRS limits, causing it to lose certain tax advantages
What is a Modified Endowment Contract (MEC)?
The three reasons why RILA is worse than buffer for clients
What is no dividend-reinvestment, no rebalancing, and no open-architecture?
What is Market-Value Adjustment?
An IRS rule that limits how much premium can be paid into a life insurance policy relative to its death benefit so it keeps its tax-advantaged status.
What is the Guideline Premium Test?
This is the fee for Jackson Flex DB Core (not including investment fees)
What product has a 3.25% fee?