关于公布2018年第3期认证人员注册全国统一考试合格人员名单的通知.pdf
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1、A Life Insurance Illustration using Voya Indexed Universal Life-Global Choice A Flexible Premium Adjustable Life Insurance Policy (Standard Form #1186-09/12; may vary by state) BA-74 Security Life of Denver Insurance Company Designed for: Valued Client Presented by: A A Security Life of Denver Insur
2、ance Company 8055 East Tufts Avenue, Suite 710 Denver, CO 80237 You choose with Voya Indexed Universal Life-Global Choice! The power of Voya Indexed Universal Life-Global Choice is the valuable death benefit protection supported by policy cash values calculated under a Fixed Strategy and your choice
3、 of three Indexed Strategies. You have the option to choose any of these strategies or a combination of them to accumulate cash values and provide the protection you need. Fixed Strategy Current fixed interest rate is 4.15% effective for 12 months. At each policy anniversary, the rate may be adjuste
4、d for the next year. Interest rate credited will never be less than 2.00% Indexed Strategies S 11.50% illustrated cap* 2 Year Global Indexed Strategy Built in global diversification by using three indexes from around the world Only the best two-out-of-three indexes are used in interest crediting Ben
5、efit of a multi-index strategy, but with ability to lock in index credits, if any, every two years vs. five years 65% current participation rate and no illustrated cap* on index credits 5 Year Global Indexed Strategy Built in global diversification by using three indexes from around the world Only t
6、he best two-out-of-three indexes are used in interest crediting Has potential to produce higher returns over long time horizon 90% current participation rate and no illustrated cap* on index credits No matter what strategy or combination of strategies you select, you can choose with confidence knowi
7、ng that all of them have a 0% Guaranteed Minimum Interest Rate. Meaning even if the Indexes have negative performance the resulting Index Credit Rate will never be less than 0%. *The current index cap could be higher than what is shown in this illustration. Experience the Power of Choice 10/27/2018
8、03:04 AM Life insurance offered by Security Life of Denver Insurance Company Page 2 of 41 This presentation is not valid without an accompanying personalized policy illustration. Version P2 M3 2018.09.03, Released 10/15/2018 d0d1201d-cbda-44d8-b142-92385c096085-2Global Index Strategies The Global In
9、dex Strategies are based on the finishing positions of the following three indexes: S&P 500 Index (S&P 500) - An index of stock performance of 500 publicly traded companies. It does not reflect dividends payable on the underlying stocks. EURO STOXX 50 Index (EURO STOXX 50) - An index of blue-chip st
10、ocks that are represented by 50 stocks covering the largest sector leaders in the EURO STOXX 50 Index. It does not reflect dividends payable on the underlying stocks. Hang Seng Index - An index of the largest and most liquid stocks listed on the Stock Exchange of Hong Kong. It does not reflect divid
11、ends payable on the underlying stocks. See the Explanation of Policy Illustration to learn more about how the Indexed Strategy works and the IMPORTANT INDEX DISCLAIMERS for more information about each index. The Value of Hindsight Hindsight, as they say, is 20/20 and quite valuable. Voya Indexed Uni
12、versal Life-Global Choice with both a two-year and a five year look-back period is designed to provide the benefit of this hindsight. It calculates the index credit under a formula using a weighted portion of each index change rate, where the weighting favors the two better performing of three index
13、es, as follows: 75% of the highest index change rate, plus 25% of the next highest index change rate, plus 0% of the lowest index change rate In essence, at the end of each two or five-year period, the index change rate for each index is determined and then weighted, with the result subject to an in
14、dex cap and a minimum of 0%. Please refer to the Indexed Strategy section for more information on how the index change rate is determined. This means that a portion of the top two indexes are used in the calculation and the index with the lowest change rate is not used. There is no need to try and p
15、redict the better performing indexes in the beginning. The result of this calculation is subject to a participation rate. Accordingly, once the index change rates are determined for each of the three indexes, the index credit can then be calculated for that block. This continues for each 2 or 5 year
16、 block as long as the policy remains in force. For each block, the participation rate and the index cap are set on a blocks start date and are guaranteed not to change for that block. The policy must be in force when a block matures to receive any index credit. Please Note: While policy values may b
17、e affected by external indexes, this policy is not an investment in the stock market and does not participate in any index fund, stock or equity investments. Voya Indexed Universal Life-Global Choice is not a variable product or any type of investment contract. The Effect of Using Three Indexes 10/2
18、7/2018 03:04 AM Life insurance offered by Security Life of Denver Insurance Company Page 3 of 41 This presentation is not valid without an accompanying personalized policy illustration. Version P2 M3 2018.09.03, Released 10/15/2018 d0d1201d-cbda-44d8-b142-92385c096085-2Stock indices can be volatile.
19、 The graphs below show the number of times each of the Indexes has finished 1st, 2nd and 3rd for hypothetical two-year and five-year blocks maturing during the period indicated. The 2 Year and 5 Year Global Indexed Strategies attempt to minimize that volatility by using three indexes under a weighte
20、d formula. These unmanaged indexes are not intended to represent specific investments. This product is not a variable contract or any type of investment contract where cash value is based upon performance of client selected variable investment options. While your policy values may be affected by ext
21、ernal indexes, your policy is not an investment in the stock market and does not directly participate in any index fund, stock or equity investment. Past index performance does not represent future performance of these indexes. The finishing positions for each index were determined based on the chan
22、ges in the value of each hypothetical index block between the block maturity date and the same date two or five years earlier. The percentages shown reflect the number of times that each index had the highest (1st place), second highest (2nd place), and lowest (3rd place) 2-year or 5-year index chan
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