No-load variable universal life insurance from RetireOne platform partners can help with legacy planning and ease wealth transfer for high-net-worth clients. Because these solutions don’t pay commissions, the cost of insurance is reduced, and client value is improved.
| wdt_ID | Insurance Company | Product | Solution Type | Return of Premium Death Benefit | Investment Options/Crediting Methods | Fund Families | Fixed Account Availability | Ultra Low-Cost Funds | Surrender Penalty | Lifetime Income Benefit | Penalty Free Withdrawals | Systematic Withdrawals | Dollar-Cost Averaging |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Allianz Life | Index Advantage ADV℠ | Index-Linked Annuity | included in M&E charge | 4 | N/A | No | No | Yes | No | Yes | Yes | No |
| 2 | Allianz Life | Retirement Foundation ADV℠ | Fixed Indexed Annuity | 4 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | No | |
| 3 | Ameritas | Advisor No-Load VA | Variable Annuity | included in M&E charge | 65 | 15 | Yes | DFA & Vanguard | No | No | Yes | Yes | Yes |
| 4 | Ameritas | Compass SPIA | Single Premium Immediate Annuity | N/A | N/A | Yes | N/A | No | Yes | Yes | N/A | No | |
| 5 | Ameritas | SPDA 2000 | Single Premium Deferred Annuity | N/A | N/A | Yes | N/A | Yes | N/A | Yes | Yes | No | |
| 6 | Ameritas | Advisor II VUL | Variable Universal Life | N/A | N/A | N/A | N/A | No | N/A | N/A | N/A | N/A | |
| 7 | Ameritas | Value Plus Term Life Insurance | Term Life Insurance | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | |
| 10 | Great American Life | Index Protector℠ 7 | Fixed Indexed Annuity | 5 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | No | |
| 11 | Nationwide | New Heights® 9 | Fixed Indexed Annuity | 4 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | No | |
| 12 | Symetra | Advisory Edge | Fixed Indexed Annuity | 2 | N/A | Yes | N/A | Yes | No | Yes | Yes | No |
| wdt_ID | Insurance Company | Product | Solution Type | M&E Charge/Product Fee | Admin Charge | Return of Premium Death Benefit Fee | Annual Contract Maintenance or Subscription Fee† | Portfolio Expense Range (a) | Average Portfolio Expense (a) | Surrender Charge Schedule | Penalty Free % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Allianz Life | Index Advantage ADV℠ | Index-Linked Annuity | 0.25% | 0.00% | included in M&E charge | $50 < 100k | 0.65%-0.73% | 0.69% | 6.5,6,5,4,3,2 | 10% |
| 2 | Allianz Life | Retirement Foundation ADV℠ | Fixed Indexed Annuity | N/A | N/A | N/A | N/A | N/A | N/A | 6.5,6,5,4,3,2,1 | 10% |
| 3 | Ameritas | Advisor No-Load VA | Variable Annuity | 0.45% | 0.00% | included in M&E charge | $40 < $50k | 0.15%-3.76% | 0.76% | N/A | 100% |
| 4 | Ameritas | Compass SPIA | Single Premium Immediate Annuity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | None |
| 5 | Ameritas | SPDA 2000 | Single Premium Deferred Annuity | N/A | N/A | N/A | N/A | N/A | N/A | 7,6,5,4,3,2 | 10% |
| 6 | Ameritas | Advisor II VUL | Variable Universal Life | 0.70% years 1-15, .10% years 16+ | N/A | N/A | N/A | N/A | N/A | N/A | |
| 7 | Ameritas | Value Plus Term Life Insurance | Term Life Insurance | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10 | Great American Life | Index Protector℠ 7 | Fixed Indexed Annuity | N/A | N/A | N/A | N/A | N/A | N/A | 7,7,7,6,5,4,3 | 10% |
| 11 | Nationwide | New Heights® 9 | Fixed Indexed Annuity | N/A | N/A | N/A | N/A | N/A | N/A | 9,9,9,9,8,7,6,5,4 (some states differ) | 7% |
| 12 | Symetra | Advisory Edge | Fixed Indexed Annuity | N/A | N/A | N/A | N/A | N/A | N/A | 7 or 5 yr. Both 2%. Different in CA | 10% |
| wdt_ID | Insurance Company | Product | Solution Type | Availability | Minimum Initial Investment | Maximum Issue Age | Max Total Contributions w/o Approval |
|---|---|---|---|---|---|---|---|
| 1 | Allianz Life | Index Advantage ADV℠ | Index-Linked Annuity | 48 states (not NY,AK) | $10,000 | 80 | $1,000,000 |
| 2 | Allianz Life | Retirement Foundation ADV℠ | Fixed Indexed Annuity | 49 states (not NY) | $10,000 | 80 | $1,000,000 |
| 3 | Ameritas | Advisor No-Load VA | Variable Annuity | 49 states (not NY) | $2,000 | 85 | $1,000,000 |
| 4 | Ameritas | Compass SPIA | Single Premium Immediate Annuity | 50 states | $5,000 deposit or $ 50/Mo. Payout | 85 | $1,000,000 |
| 5 | Ameritas | SPDA 2000 | Single Premium Deferred Annuity | 50 States | $10,000 | 85 | $1,000,000 |
| 6 | Ameritas | Advisor II VUL | Variable Universal Life | 48 States (not CA or NY) | $100,000 | 80 | $10,000,000 |
| 7 | Ameritas | Value Plus Term Life Insurance | Term Life Insurance | 50 States | N/A | 80 | N/A |
| 10 | Great American Life | Index Protector℠ 7 | Fixed Indexed Annuity | 49 states (not NY) | $100,000 | 85 (inherited 75) | $2M to 75, $1M 81+ |
| 11 | Nationwide | New Heights® 9 | Fixed Indexed Annuity | 49 states (not NY) | $25,000 | 80 | $1,000,000 |
| 12 | Symetra | Advisory Edge | Fixed Indexed Annuity | 49 States (Not NY) | $10,000 | 85 | $1,000,000 |
