Old Mutual

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• Old Mutual
• Financial Network
• Robert G. Williams
• Vice President of Annuity Training
• Oxbow Marketing
• Robb Daugherty

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SALES IDEAS MARKETING CONCEPTS
the World of Indexing!
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What Consumers Want
INDEX ANNUITY
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What Consumers Tend to Do
MF
VA
FA
CD
POTENTIAL
PROTECTION
Stocks
Govt.
INDEX ANNUITY
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Index Annuity Sales will Soar during next 18
MonthsWHY?

• Market Nervousness
• Low Interest Rates

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What Is An Index Annuity?
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IT IS A FIXED ANNUITY
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Index Annuities Are Simply Fixed Annuities with
An Interest Rate That Is Linked To Guaranteed
Bonds and a Leading Index
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MYGAs Are Simply Fixed Annuities with An
Interest Rate That Is Linked To Guaranteed Bonds
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Bonus Annuities Are Simply Fixed Annuities with
An Interest Rate That Is Linked To Guaranteed
Bonds
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What is This?
Admin costs, Commissions, Profits
Bonds for the Guarantees
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How FIAs Work
SP Options
Admin costs, Commissions, Profits
Bonds for the Guarantees
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How FIAs WorkRising Interest Rates
SP Options
Admin costs, Commissions, Profits
Bonds for the Guarantees
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How FIAs WorkDeclining Interest Rates
SP Options
Admin costs, Commissions, Profits
Bonds for the Guarantees
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Index Annuity

• How Does it Really Work?
• The Stairway to Financial Peace of Mind

Year 5
Year 6
Year 3
Year 4
Year 1
Year 2

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Index Annuity

• I Will Be Retiring SoonWhat next !
• The Stairway to Financial Peace of Mind

• Year 6
• 10
• 20
• 30

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A Sales Idea That Will Work !!!!
Upside Potential
1 - 3
Index Annuity
CD
Securities
100 Risk
Protection
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Premium
Premium
Premium
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Potential vs. Protection
INDEX ANNUITY

-20
0
20
10
-10
INVESTMENT
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Why Index Annuities
Investments Savings Program
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Participate in all or a portion of the SP
and/or DJIA

1.5/2.15
- 50
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Hypothetical Annual Reset
133,100
121,000
110,000
SP 1,100
110,000
100
10
1,000
SP 1,000
SP 1,000
100,000
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100
-300
0
SP 900
12.5
100
SP 800
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CD has a Fixed that is Capped at X
MYGA has a Fixed that is Capped at X
Fixed Index Annuities offer you a Range of
Potential
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Monthly AverageHow It Works
SP 500 1,000
13,200
12
1,100
-1,000
100
1,000
10
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Point to PointHow It Works
SP 500 or Dow 30
Dec 1, xx 1,000
Nov 30, xx 1,100
1,100
-1,000
100
1,000
10
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Monthly AverageHow It Works
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Spectrum Rewards Choice 9Four Account Value
Options
3.0 cap 36 maximum annual upside potential
3.5 cap maximum 2-year upside potential of 84
4.0 cap maximum 3- year upside potential of
144
2.15 for one year
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Range of Potential

• One Year Reset...0-36
• Two Year Reset0-84
• Three Year Reset0-144

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Spectrum Rewards Choice 7Four Account Value
Options
2.75 cap 33 maximum annual upside potential
6.0 CAP
6.5 CAP
2.15 for one year
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Range of Potential

• One Year Reset...0-6
• One Year Reset0-6.5
• One Year Reset0-33

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Monthly AverageHow It Works
SP 500 1,000
13,200
12
1,100
-1,000
100
1,000
10
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Point to PointHow It Works
SP 500 or Dow 30
Dec 1, xx 1,000
Nov 30, xx 1,100
1,100
-1,000
100
1,000
10
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Monthly AverageHow It Works
SP 500 (Oct. 1, 2003) 1018.22
13,372.68
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1114.39
- 1018.22
96.17
1018.22
9.44
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Annual Point to PointHow It Works
SP 500 (Oct. 1, 2003) 1018.22
1131.50
- 1018.22
113.28
1018.22
11.1
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Calculating Monthly Point to Point
Date SP Value Oct. 1 1018.22 Nov. 3 1059.02

• Subtract the starting value from the current value

• Divide the sum by the starting value

• Record the Index Change and New Starting point
  for the next month

1059.02 1018.22 40.80
40.80 1018.22 4.0
Index Change for 1st month 4.0
Starting point for 2nd month 1059.02
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Monthly Point to PointOne Year Option
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Profile of an Index Annuity Buyer
Half Bull
Half Bear
Half Chicken
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THANK YOU!