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State Life – Interest Rate Notice

In response to the current interest rate environment, new business interest rates for Annuity Care and Indexed Annuity Care will be increasing effective Sunday, Jan. 15, 2017.   View all rates »       The new rates will be as follows:   Annuity Care (original and II) LTC Fund/LTC Accumulated Value: 1.90% Cash Fund/Accumulated Value: 1.40% Important: These new rates will be reflected on Sales Connection, which you can use to illustrate all Annuity Care products. Software version 6.35 (1-15-17) will be available for download beginning Jan. 15 from OneSource Online.   Indexed Annuity Care Point-to-point Cap: 3% Point-to-point Par: 24% Monthly average Cap: 3 % Monthly average Par: 32% Fixed account: 1.25%    Most Beneficial Rate: Indexed Annuity Care offers your clients the opportunity to receive the best declared interest (or cap, or par) rate available between the date their application is received in the Home Office, and the effective date of the contract, if fully funded within 60 days of application. This feature is intended as an easy-to-do-business provision to provide you and your clients the peace of mind to know that they can receive the best declared rates during the application process. Annuity Care also offers this feature for 1035/transfer monies only.
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Columbus Life – Rates

Revision to 2017 Change in Universal Life Product Interest Rates
On December 1, you received an email detailing changes to Columbus Life’s UL interest rates. Since that time, we have experienced additional changes to our rates that will take effect on January 1.
  • A reduction of 10 basis points will apply to all UL policies issued since 2007, including new business cases, both individual and survivorship, and will include the fixed accounts of our indexed UL product.
  • All UL policies issued prior to 2007 will decrease by 20 basis points, excluding the UL 200 series.
Starting today, the new rates will be reflected automatically in the web version of the illustration system. At that time, you may also update the desktop version of the illustration system by clicking the “System Update” link on the left-hand side of the Life Portraits home screen. Visit this link to view the updated memo that describes these changes in further detail. This can also be found in yesterday’s edition of Inside Columbus Life Digital. If you have any questions or need help with an illustration, please contact our Sales Desk at 800.677.9696, option 4.
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American Equity – California Product Information

New Product Available in California
American Equity is pleased to announce the addition of a new fixed index annuity product to our competitive portfolio. The California Gold (CA16 IDX11) will be available January 1, 2017. California Gold:
* 5% premium bonus which vests over a nine year period
* 10% penalty-free withdrawal after the first contract anniversary
* 10 interest crediting options
* Competitive commission rates exclusive to California
**Product Training is required before writing an annuity application**
Additional American Equity fixed index annuity products available in California include our Choice Series (14 IDX8), Traditions Gold (11 IDX4) and Foundation Gold (11 IDX3). The Foundation Gold was recently adjusted to feature the following benefits:
* 7% premium bonus which vests over nine year period
* 10 year surrender charge period
* 5% penalty-free withdrawal after the first contract anniversary (cumulative option available)
* Competitive commission rates—same as California Gold
Plus, our Guarantee Series (13 MYGA) is also available.
**Product Training is required before writing an annuity application**
**IMPORTANT INFORMATION – PLEASE READ**
American Equity recently announced the following adjustments to the Foundation Gold (CA16 IDX11) in the state of California:
*7% premium bonus which vests over nine-year period
* 10 year surrender charge period
* 5% penalty-free withdrawal after the first contract anniversary (cumulative option available)
* Competitive commission rates
**You are required to review the product training regarding the adjusted Foundation Gold PRIOR to selling this annuity product.**
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North American – New Rates and Product

GREAT NEWS! Most interest rates improve effective January 5, 2017
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  New interest rates will apply to applications received in the Home Office on or after January 5, 2017. Updated rate sheets will be available on our website on January 5, 2017. www.NorthAmericanCompany.com
 
We’re excited to release our new fixed annuity series on January 10, 2017. Take your required training now!
 Web Event: January 10, 2017, 3:00 p.m. CST Introducing the new NAC FoundationChoice Series