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
23、ge rate during the period. The data provided provides only a comparison of the indexes to each other and provides no information relative to the performance of the indexes during the period shown. The Effect of Using Three Indexes 10/27/2018 03:04 AM Life insurance offered by Security Life of Denver
24、 Insurance Company Page 4 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-b142-92385c096085-2Strategy Results - Block Maturity Historical Returns The following graphs were developed using
25、historical index data and non-guaranteed index parameters that are reflected below for three indexed strategies and the hindsight index crediting methodology used in the Voya Indexed Universal Life-Global Choice policy. The uneven line reflects what the annualized index credit rate could have been f
26、or each index strategy based on the block maturity date shown and the indexed strategy assumptions listed below. S&P 500 1 Year Point to Point Simple Strategy - Blocks Mature Annually Guaranteed Minimum Interest Rate: 0% Illustrated Index Cap*: 11.50% Current Participation Rate: 100% 2 Year Global D
27、iversification Blocks Mature Every Two Years Guaranteed Minimum Interest Rate: 0% Illustrated Index Cap*: Unlimited Current Participation Rate: 65% 5 Year Global Diversification Blocks Mature Every Five Years Guaranteed Minimum Interest Rate: 0% Illustrated Index Cap*: Unlimited Current Participatio
28、n Rate: 90% *The current index cap could be higher than what is shown in this illustration. Historical Returns and Percentiles 10/27/2018 03:04 AM Life insurance offered by Security Life of Denver Insurance Company Page 5 of 41 This presentation is not valid without an accompanying personalized poli
29、cy illustration. Version P2 M3 2018.09.03, Released 10/15/2018 d0d1201d-cbda-44d8-b142-92385c096085-2Long term strategy results 20 Year Hypothetical Historical Strategy Returns The following graphs show the hypothetical annualized returns over 20 year periods for a single strategy election ending in
30、 the month and year shown and assuming sequential hypothetical index blocks for each indexed strategy. Returns on each of these hypothetical blocks reflect hypothetical returns obtained by electing the same single strategy at every block maturity for a 20 year period. Percentiles can be used to give
31、 some idea of the variability of these hypothetical historical index returns over a longer time frame than the Block Maturity Historical Returns exhibit on the proceeding page. In the exhibits below, the line drawn at the 80th percentile annualized rate on each graph shows the point at which approxi
32、mately 80% of these 20 year re-election segment results (calculated using different initial election dates over a 37 year period) equaled or exceeded that annualized rate over the period shown. Note that due to the significant overlap in measurement periods used in developing 20 year returns, histor
33、ical percentile returns should not be used to provide any confidence concerning the stability or level of future index crediting rates. Nor does the percentile information reflect the higher volatility returns likely to be experienced on individual blocks shown on the Block Maturity Historical Retur
34、ns exhibits on the preceding page. Historical Percentile 100th 90th 80th 70th 60th 50th Average Annualized Rate 6.19% 6.77% 6.94% 7.11% 7.26% 7.40% 7.40% Historical Percentile 100th 90th 80th 70th 60th 50th Average Annualized Rate 6.45% 8.95% 9.79% 10.67% 11.27% 11.78% 11.80% Historical Returns and
35、Percentiles 10/27/2018 03:04 AM Life insurance offered by Security Life of Denver Insurance Company Page 6 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-b142-92385c096085-2Historical Per
36、centile 100th 90th 80th 70th 60th 50th Average Annualized Rate 5.71% 8.26% 9.35% 10.21% 11.20% 12.35% 12.03% These rates are based on historical information and should not be used as an indication of future performance. Historical Returns and Percentiles 10/27/2018 03:04 AM Life insurance offered by
37、 Security Life of Denver Insurance Company Page 7 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-b142-92385c096085-2LEDGER ILLUSTRATION Premiums are paid at the beginning of the year. The
38、 Cash Value and Death Benefit are shown as of the end of each policy year. Prepared for: Valued ClientMale 36 Preferred No Tobacco State of Issue: California Assumed Policy Date: 10/27/2018 Initial Stated Death Benefit: $1,000,000 Initial Death Benefit Option: 1 (Level) Initial Annual Premium: $30,0
39、00.00 Premium Election: Hypothetical Allocation Illustrated Index Strategy Type Percentage Credit/Interest Rate 2 Year Global Indexed Strategy 100% 6.75% Policy Loan Type: Select Loans Rider Benefits Included: Accelerated Benefit Rider Index Credit Multiplier Rider Index Credit Accumulation Rider: 1
40、0% Rider Allocation NON-GUARANTEED ILLUSTRATED End Total Net Net of Yr Annual Annual Annual Loan Net Account Surrender Death Yr Age Premium Withdrawal Loan Interest Outlay Value Value Benefit 1 37 30,000 0 0 0 30,000 23,097 15,357 1,000,000 2 38 30,000 0 0 0 30,000 50,448 42,708 1,000,000 3 39 30,00
41、0 0 0 0 30,000 77,777 70,037 1,000,000 4 40 30,000 0 0 0 30,000 108,033 100,523 1,000,000 5 41 30,000 0 0 0 30,000 138,697 131,487 1,000,000150,000 0 0 0 150,000 6 42 0 0 0 0 0 144,411 137,561 1,000,000 7 43 0 0 0 0 0 149,745 143,375 1,000,000 8 44 0 0 0 0 0 159,171 154,901 1,000,000 9 45 0 0 0 0 0
42、165,956 163,816 1,000,000 10 46 0 0 0 0 0 177,060 177,060 1,000,000150,000 0 0 0 150,000 11 47 0 0 0 0 0 186,712 186,712 1,000,000 12 48 0 0 0 0 0 201,455 201,455 1,000,000 13 49 0 0 0 0 0 213,913 213,913 1,000,000 14 50 0 0 0 0 0 232,018 232,018 1,000,000 15 51 0 0 0 0 0 248,386 248,386 1,000,00015
43、0,000 0 0 0 150,000 VOYA INDEXED UNIVERSAL LIFE-GLOBAL CHOICE A Flexible Premium Adjustable Life Insurance Policy 10/27/2018 03:04 AM Designed for Valued Client Page 8 of 41 This illustration is not valid without all pages. Version P2 M3 2018.09.03, Released 10/15/2018, 7P-35,161 TP-11,580 MP-6,507
44、d0d1201d-cbda-44d8-b142-92385c096085-2NON-GUARANTEED ILLUSTRATED End Total Net Net of Yr Annual Annual Annual Loan Net Account Surrender Death Yr Age Premium Withdrawal Loan Interest Outlay Value Value Benefit 16 52 0 0 0 0 0 270,808 270,808 1,000,000 17 53 0 0 0 0 0 292,101 292,101 1,000,000 18 54 0 0 0 0 0 320,008 320,008 1,000,000 19 55 0 0 0 0 0 347,607 347,607 1,000,000 20 56 0 0 0 0 0 382,482 382,482 1,000,000150,000 0 0 0 150,000 21 57 0 0 0 0 0 418,139 418,139 1,000,000 22 58 0 0 0 0 0 461,825 461,825 1,061,522 23 59 0 0 0 0 0 507,346 507,346 1,13
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