THE NEXT GENERATION OF
GUARANTEED LIFETIME INCOME INSURANCE
THE FAIRFAX GLOBAL
GUARANTEED LIFETIME
INCOME PORTFOLIO
is made up of a Fairfax Global Markets
investment account combined with the Aria
RetireOne Transamerica II insurance policy.
-This insurance contract, when added to the
-invested plus the potential for annual
step-ups.
the Fairfax Global investment account.
-lifetime income insurance policy.
(See last fourTHE FAIRFAX GLOBAL
GUARANTEED LIFETIME
INCOME PORTFOLIO
when combined with the Aria RetireOne
the income security and peace of mind
-ment’s upside potential.
THE FAIRFAX GLOBAL
GUARANTEED LIFETIME
INCOME PORTFOLIO
with the Aria RetireOne Transamerica II
dilemma of today’s investor – how to
par
-Today’s investors do indeed face a
dilem-market of the past decades has created
Do You Have Home, Health,
and Life Insurance?
Shouldn’t You Insure Your
Retirement Income As Well?
The
Dilemma
The 57% stock market downturn in the
S&P 500 Index in 2008-2009 wiped
positive results as the market recovered.
-rally choose to invest more conservatively
and may even stay in cash rather than
-fore retirement.
some investors choose annuities,
trad-returns of 4-8%.
THE FAIRFAX GLOBAL GUARANTEED
LIFETIME INCOME PORTFOLIO
with the
Aria RetireOne Transamerica II insurance
This lifetime income insurance policy is
simply added to a traditional investment
-kets.
Gains in
THE FAIRFAX GLOBAL
GUAR-ANTEED LIFETIME INCOME PORTFOLIO
with the Aria RetireOne Transamerica II
in-surance policy are uncapped, so investors
Plus,
THE FAIRFAX GLOBAL
GUARAN-TEED LIFETIME INCOME PORTFOLIO
with the Aria RetireOne Transamerica II
insurance policy is fully liquid, with no
no-load, no-commission structure!
With
THE FAIRFAX GLOBAL
GUARAN-TEED LIFETIME INCOME PORTFOLIO
combined with the Aria RetireOne
Trans-america II insurance policy
, investors can
-ation over time.
Investor retains ownership and control
of his IRA or investment account, and
the investor’s custodian holds all
portfo-lio assets. In contrast, with a standard
annuity, ownership and control of the
investment account transfers to the
insurance company.
depletion of assets held in the investor’s
-ment account.
Guarantees a lifetime income stream
principal invested plus the potential for
annual step-ups. That income stream
can increase based on account
performance and/or interest rates;
plus, withdrawal amounts will never
-principal invested in the Fairfax Global
investment account.
NO PERFORMANCE CAPS:
Whatever
your Fairfax Global investment portfolio
and principal security, as in indexed
annuities.
Low cost, no load, no-commission
structure.
Full liquidity of assets in the investment
account available at all times with no
portfolio assets. Hence, this insurance
investment portfolio for a certain time
period. Once the portfolio has reached
a desired asset level, the investor may
choose to terminate the policy.
This
FAIRFAX GLOBAL GUARANTEED
LIFETIME INCOME PORTFOLIO
with the
Aria RetireOne Transamerica II insurance
-retirement.
of the investor and spouse, the investor’s
-ment account on a stepped up tax basis.
FAIRFAX GLOBAL
GUARANTEED LIFETIME INCOME
PORTFOLIO with the Aria RetireOne
Transamerica II insurance policy,
Difference between
the Aria RetireOne Transamerica II Insurance Policy
and Annuities
Example:
An investor invests in one of the
Fairfax Global Markets investment
portfo-lios with an initial principal investment of
$500,000 and opts to add
THE FAIRFAX
GLOBAL GUARANTEED LIFETIME
INCOME PORTFOLIO
with the Aria
RetireOne Transamerica II insurance policy
(Withdrawal
The investor would be able to withdraw a
as he or she lives. Withdrawals are taken
from the investment account.
this protection, therefore, even if the
ac
-ment, the insurance company, continues
to pay the $25,000 annually for the life of
the investor and spouse.
withdrawals, and the withdrawal
annual “look-back,” rather than just on the
How Does The Aria
RetireOne Transamerica II
Insurance Policy Work?
certain Fairfax Global Markets separately
provide an investor and spouse a “lifetime
principal invested in the Fairfax Global
investment account plus any step-ups for
positive investment performance.
invested with Fairfax Global. The
per
-cipal, plus step-ups for positive
invest-ment performance, can be withdrawn
spouse live.
On Day 1, investors will know the
“min-imum amount” of their future lifetime
income they will receive at a time when
they will need it most – retirement.
Peace of Mind
never be based on an amount lower than
money out of the account before the
live, the investor and spouse will continue
principal, plus any step-ups for positive
investment performance.
Even if the stock market experiences
another bear market like 2000-2002 or
2008-2009, and the investment account
portfolio at the time the annual
The Aria RetireOne Transamerica II
insur-spouse will receive income for life, even
The 4% to 8% annual payment will vary
Global investment accounts remain fully
in-select mutual funds.
Assets remain under the control of the
in-At the death of the investor and spouse,
the investor’s heirs will inherit any assets
The Aria RetireOne Transamerica II
insur-ance policy can be added to tax
quali
-annuity.
The Aria RetireOne Transamerica II
in-surance policy can create a pension-like
income stream.
Work with Fairfax Global
Markets to choose your
investment portfolio.
income protection of the Aria
RetireOne Transamerica II
in-surance policy.
-This process provides an investor and
wrapped around the Fairfax Global
Mar-The Aria RetireOne Transamerica II
insur-ance policy provides income protection
when markets are down, and income
-For example, if an investor purchases this
insurance policy on an investment account
-that payments of 5% of the $500,000
initial account value, or $25,000, will be
available annually for the investor and
Then, if the account value is depleted, the
insurance company will continue to make
those $25,000 annual payments to the
investor and spouse for their lifetimes.
For example:
5% on an account worth
$500,000 would pay $25,000 per year, but
Another example:
makes an investment of $1 million in the
Aria RetireOne Transamerica II insurance
policy.
Getting
Started Is As
Easy As 1, 2, 3!
1.
2.
3.
over a few years to $880,000. When she is ready to
retire, she can collect income based on the
portfo-she can withdraw 5% a year of the $1.1 million
total value of her investment declines due to poor
increase in the future.
Theoretically, she could deplete her $880,000
ac-payment.
FAIRFAX GLOBAL
GUARANTEED LIFETIME INCOME PORTFOLIO
with the Aria RetireOne Transamerica II insurance
With millions of baby boomers headed to retirement
without traditional pension plans as safety nets,
THE
FAIRFAX GLOBAL GUARANTEED LIFETIME
IN-COME PORTFOLIO
with the Aria RetireOne
Transa-if the stock market severely declines in a future bear
market.
The annual guaranteed payments
can increase if the value of the
investment account increases,
giving investors access to market
upswings while still protecting
them from downturns.
Higher Percentage Payouts
the Longer One Waits
9.
THE CONCLUSION
With millions of baby boomers headed to
retire-ment without traditional pension plans as safety
nets,
THE FAIRFAX GLOBAL GUARANTEED
LIFETIME INCOME PORTFOLIO
with the Aria
investor lives and even if the stock market
severe-ly declines in a future bear market.
-formance just prior to or in early retirement or who
be absolutely necessary.
At a 5% annual withdrawal rate, a static
invest-depleted in less than 19 years.
This is a convenient way for an investor to
pro-matter how his investments perform.
Work with Fairfax Global and the Aria RetireOne
Transamerica II insurance policy to secure your
future lifetime income today!
-The Aria Transamerica II RetireOne insurance policy is sold by Aria Retirement Solu
-the RetireOne product are described in -the prospectus. Investors should carefully re
-Insurance Company. Paul Dietrich is not licensed to sell insurance products. All questions
-The information contained herein has been obtained from sources believed to be reliable,
-the bottom line question
every-one must ask, is it possible that
the investor and spouse may live
the answer is “yes,” this
insur-lifetime income.
Please call Fairfax
Customer Support Services
1-800-416-2053 if you need assistance.
Fairfax Global Markets
PO Box 1078
2 West Washington Street
Middleburg, Virginia 20118
RETIREONE TRANSAMERICA II
Contingent Deferred Annuity
PORTFOLIO CREATED & MANAGED BY:
Fairfax Global Advisors / Active
Permanent
For information about the managed portfolio*, please contact
Paul Dietrich at (203) 891-8377 or pdietrich@fairfax-global.com.
RETIREONE TRANSAMERICA II
OFFERED BY:
ARIA RETIREMENT SOLUTIONS
For information about the income guarantee, contact:
Cindy Ramsey at 502-882-6002 or cindy.ramsey@aria4advisors.com.
PORTFOLIO MIX
PORTFOLIO HOLDINGS
Cash
45.0% CASH – Cash-equivalent
International Investment Grade Debt
25.0% ITIP – iShares International Inflation-Linked Bond Fund
Core Investment Grade Debt
20.0% SHY – iShares Barclays 1-3 Year Treasury Bond Fund
Commodities
10.0% IAU – iShares Gold Trust
Certificate Fee Percentage: 0.85%
Fee option: 3 Investment Profile: F
The Account must be invested at all times in accordance with the composition requirements of the Certificate. The Certificate Fee may go up or down if the Investment Profile changes. The mutual funds listed as Eligible Assets are not offered, recommended or endorsed by Transamerica Advisors Life Insurance Company. All funds have been assigned Asset Class Categories for Eligible Funds based on certain criteria which may or may not be consistent with the industry. The funds may not be categorized in the same Asset Class Category as that same fund utilizing different methodology.
* This advisor may not be licensed as an insurance producer. If not, they may not answer questions about the RetireOne Transamerica II CDA. As mentioned above, please contact Aria with any specific questions you may have about the income guarantee.
Guarantees are based on the claims paying ability of Transamerica Advisors Life Insurance Company.
Securities Offered through Protected Investors of America, Member FINRA/SIPC, registered in all 50 states. Insurance policies are sold by Aria Retirement Solutions, Inc. doing business in California as Aria Insurance Solutions, Inc. (San Francisco, CA), a licensed insurance agency (CA License #0H44773). Insurance policies may not be available in all states.
RETIREONE TRANSAMERICA II
Contingent Deferred Annuity
PORTFOLIO CREATED & MANAGED BY:
Fairfax Global Advisors / Stock ETF
Strategy
For information about the managed portfolio*, please contact
Paul Dietrich at (203) 891-8377 or pdietrich@fairfax-global.com.
RETIREONE TRANSAMERICA II
OFFERED BY:
ARIA RETIREMENT SOLUTIONS
For information about the income guarantee, contact:
Cindy Ramsey at 502-882-6002 or cindy.ramsey@aria4advisors.com.
PORTFOLIO MIX
PORTFOLIO HOLDINGS
Cash
75.0% CASH – Cash-equivalent
Core Investment Grade Debt
5.0% SHY – iShares Barclays 1-3 Year Treasury Bond Fund
10.0% MUB – iShares S&P National AMT-Free Municipal Bond ETF
Commodities
10.0% IAU – iShares Gold Trust
Certificate Fee Percentage: 0.85%
Fee option: 3 Investment Profile: F
The Account must be invested at all times in accordance with the composition requirements of the Certificate. The Certificate Fee may go up or down if the Investment Profile changes. The mutual funds listed as Eligible Assets are not offered, recommended or endorsed by Transamerica Advisors Life Insurance Company. All funds have been assigned Asset Class Categories for Eligible Funds based on certain criteria which may or may not be consistent with the industry. The funds may not be categorized in the same Asset Class Category as that same fund utilizing different methodology.
* This advisor may not be licensed as an insurance producer. If not, they may not answer questions about the RetireOne Transamerica II CDA. As mentioned above, please contact Aria with any specific questions you may have about the income guarantee.
Guarantees are based on the claims paying ability of Transamerica Advisors Life Insurance Company.
Securities Offered through Protected Investors of America, Member FINRA/SIPC, registered in all 50 states. Insurance policies are sold by Aria Retirement Solutions, Inc. doing business in California as Aria Insurance Solutions, Inc. (San Francisco, CA), a licensed insurance agency (CA License #0H44773). Insurance policies may not be available in all states.
IMPORTANT INFORMATION ABOUT CDAs
Contingent Deferred Annuities (CDAs) can play an important role in your retirement plan, but they are not for everyone. Before investing, you and your Aria representative should discuss aspects that affect the appropriateness for your situation, including cost, investment timeframe and other retirement assets you may have. An Aria registered representative can help you determine whether this annuity may be appropriate for you.
IMPORTANT INFORMATION ABOUT RETIREONE TRANSAMERICA II
The RetireOne Transamerica II solution requires an investor’s holdings to remain fully invested in certain specific investments (“Eligible Assets”). It does not guarantee Eligible Asset performance or against a loss of principal. Ownership of the Eligible Assets on which the guarantee is based remains with the investor and can be accessed at any time, but withdrawals in excess of those permitted under the certificate terms will diminish or eliminate future guarantees. If the investor’s Covered Asset Value is depleted to zero by other than Excess Withdrawals,
Transamerica Advisors Life Insurance Company makes payments based solely on its claims-paying ability, provided that the purchaser honors the terms of the annuity.
The annuity has no cash value, surrender value or death benefit. You may never receive the benefits available under the annuity, because the Eligible Assets may perform well enough that it is never reduced to zero.
The annuity will terminate and no benefit payments will be made if 1) withdrawals are made in excess of those permitted, which reduces the Coverage Base or Coverage Amount to zero; 2) the annuity Certificate Fee is not paid; 3) assets are not allocated exclusively to Eligible Assets; or 4) Covered Asset Pool composition requirements are not met. See prospectus for more information on termination of the annuity.
Reallocation and investment performance may change your Investment Profile and Certificate Fee
FEES
The Eligible Funds initial Certificate Fee is based on the Investment Profile and Fee Option selected and ranges from 0.80%-2.35%. The Eligible Strategy initial Certificate Fee is based on the Fee Option selected and ranges from 0.95%-1.60%.
All fees are assessed quarterly. If an Automatic Step-Up occurs, the current Certificate Fee Percentage in effect at the time of the step-up will be applicable, which could lead to an increase or decrease in your Certificate Fee. The Certificate Fee Percentage can increase by no more than 0.75%. These fees are in addition to any charges that are imposed in connection with advisory and other services or charges (including sales loads or brokerage commissions) imposed by or in connection with the Eligible Assets in which you are invested as well as any fees that apply if used with your Account.
The fee structure is as follows:
FEE OPTIONS
The Fee Options determine the method for paying your Certificate Fee and Advisory Fee(Annual Fee Allowance). The Annual Fee Allowance is the total applicable Certificate Fee and/or Advisory Fee that may be withdrawn each Certificate Year without such withdrawals being considered an Excess Withdrawal.
Option 1 – The Certificate Fee is based on the aggregate value of the Covered Assets and is deducted from a separate cash account established with the Financial Institution.
Option 2 and 3 – The Certificate Fee is based on the Coverage Base and is deducted from a separate cash account established with the Financial Institution. The Advisory Fee is based on and deducted from the Covered Assets. The percentage is up to the maximum of either 1% or 1.5%, depending on the Fee Option.
Option 4 – The Certificate Fee is based on the Coverage Base and is deducted from the Covered Assets.
Option 5 and 6 – The Certificate Fee is based on the Coverage Base and is deducted from the Covered Assets. The Advisory Fee is based on and deducted from the Covered Assets. The percentage is up to the maximum of either 1% or 1.5%, depending on the Fee Option.
CERTIFICATE FEE REDUCTIONS
The Certificate Fee may be reduced by no more than 0.10% if 100% of the Covered Asset Pool is invested in a predefined group of Eligible Funds. The fee reduction associated with the Eligible Fund group may be introduced, discontinued or revised at any time.
The Certificate Fee is reduced by 0.05% for net Certificate Contributions (aggregate Certificate Contributions less Excess Withdrawals) of $500,000 or higher.
TAXATION
Wrapping a custodial account with RetireOne Transamerica II does not impact the taxation of distributions from that custodial account. If and when that custodial account is depleted, benefit payments from Transamerica would be subject to ordinary income taxes.
OTHER IMPORTANT INFORMATION
The guaranteed lifetime payments are backed by the claims-paying ability of Transamerica Advisors Life Insurance Company. They are not backed by any other entity, including the administrator, the broker/dealer from which this annuity is purchased or any affiliates of those entities. In addition, none make any representations or guarantees regarding the claims-paying ability of Transamerica Advisor Life Insurance Company. Guarantees do not apply to the mutual funds or ETFs.
The RetireOne Transamerica II annuity is issued by Transamerica Advisors Life Insurance Company, Little Rock, AR and is underwritten by Transamerica Capital, Inc. The annuity may not be available in all states or markets. Features and benefits may vary by state and market. In some states the annuity is issued as an individual contract instead of a group certificate. Certificate Form SALB2-CERT-0513 and Contract Form SALB2-IC-0513 (may vary by state).
Annuities may lose value and are not bank deposits, are not FDIC insured, and are not insured or endorsed by a bank or any government agency.
A current prospectus for this product should either precede or accompany this material. Investors should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the product and should be read carefully before investing.
