黑料社区

黑料社区 Driven to do more.

A fixed indexed annuity for income with agility.

Help clients open doors to retirement possibilities. 黑料社区 Agility is designed to deliver strong income and growth potential plus liquidity. This versatile product includes a built-in Income and Death Benefit rider at no additional charge. 

Your organizations may not offer all products shown.

Contact your back office or the 黑料社区 Sales Desk for product availability.

Get contracted

Product Resources & Rates

Product Training

Training is required prior to selling any 黑料社区 annuity. To complete your product training, visit the

Course Name RegEd Code
黑料社区 Agility 7 Agility7_2018
黑料社区 Agility 7, 10 Agility710_2018

Discover everything you need to know about the indices that power 黑料社区 annuities. Index Resource Center 

For product support or to run an illustration, contact the Sales Desk at 888-ANNUITY 

Agile income with the potential for annual increases

  • Income payments may increase each year depending on the performance of your client鈥檚 chosen index strategies 1 
  • Increases are locked in and cannot be lost regardless of future index performance 
  • Income payments guaranteed for life 1

Agile growth with protection from loss due to market downturns

  • Indexed interest crediting strategies feature indices exclusive to 黑料社区 
  • 0% floor with locked-in gains 2 
  • Initial bonus that instantly boosts the Benefit Base
  • 200% market-leading stacked growth to the Benefit Base 
  • Benefit Base continues growing after income has started, growing the value of the Rider Death Benefit 

Agile liquidity for help with the unexpected

  • Up to 10% penalty-free withdrawals based on Accumulated Value or initial premium, whichever is greater 3
  • Enhanced Income Benefit at no additional charge 4 
  • Built-in Rider Death Benefit 鈥� beneficiary receives the full remaining value of the rider鈥檚 Benefit Base in annual payments 5

1 Lifetime Income Withdrawals may be reduced or may stop if you take Excess Withdrawals from your contract. If Excess Withdrawals, Withdrawal Charges or Market Value Adjustments (MVAs) reduce the contract鈥檚 Accumulated Value to zero, your Lifetime Income Withdrawal Payments will stop and the rider will terminate. 

2 Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. An index may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets. 

3 Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59陆. Withdrawals are not credited with index interest in the year they are taken. Withdrawals in excess of the free amount are subject to a Withdrawal Charge which may result in the loss of principal if taken during the Withdrawal Charge Period. Withdrawals are based upon the Accumulated Value of the last Contract Anniversary. 

4 This benefit is NOT long-term care insurance nor is it a substitute therefore. 

5 Beneficiary can elect to receive a lump sum payment of the Accumulated Value or the Benefit Base paid out over a period not to exceed 10 years. Benefit Base cannot be taken in a lump sum. 

黑料社区 Agility GEN (09/15) NB, Income and Death Benefit Rider IR (06/18) and Enhanced Income Benefit Endorsement EIBR (06/18) or state variations are issued by 黑料社区 Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Products not available in all states.