How Does it Work?

The Balanced Allocation Strategy™ is the basis for one of the patents pending. It represents a predetermined blend of two elements.

The Balanced Allocation Strategy™ determines the client's interest earnings using a structured, predetermined blend of two elements—an index allocation and a declared rate allocation. The index allocation is linked to the S&P 500® (excluding dividends) and the declared rate allocation is linked to a rate declared by the insurance company.

These two elements are added together less any applicable charges to determine 100 percent of the appreciation of the Balanced Allocation Strategy™. This structured allocation approach provides your retirement savings the potential for long-term accumulation without the downside risks associated with investing directly in the stock market.

SAASelect™ keeps your client’s retirement savings secure by guaranteeing that their premium and the interest that is credited to the contract—less early Withdrawal Charges and any Market Value Adjustments (MVA)—can never be lost, regardless of market conditions. (The MVA is not applicable in all states, including Delaware, Illinois, Indiana, Minnesota, Missouri, Oregon, Pennsylvania, Utah and Washington.)

At the same time, there are no caps placed on the upside earnings potential of the Balanced Allocation Strategy™. Ultimately, this provides your clients with the opportunity to realize above average long-term growth compared to other common “guaranteed” planning products (i.e., savings accounts, bank CDs, etc.). All this plus the peace of mind that comes from knowing their annuity is fully backed by the financial strength of American Investors Life Insurance Company, Inc., Aviva.

The Index Allocation of the Balanced Allocation Strategy is set by the insurance company and does not use a cap.

Annuities are products of the insurance industry and are not guaranteed by any bank, federal agency or insured by the FDIC.

This product has a patent pending. Standard & Poor's®, S&P®, S&P 500®, Standard & Poor's 500reg;, and 500reg; are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Aviva and American Investors Life Insurance Company. SAA™ is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing this product. The S&P 500™ Index does not include dividends paid on the underlying stocks, and therefore does not reflect the total return of the underlying stocks. Past performance is no guarantee of future performance or values of the SAASelect 6™.