With 98 underlying investment options, ForeInvestors Choice helps you build personalized, tax-deferred growth strategies for your clients with an option to help ease the tax burden on the wealth they pass to their beneficiaries.

Personalized

98 investment options to build tailored strategies for your clients.

Legacy

Optional death benefit to help leave a legacy to beneficiaries, available at an additional cost.1

1Called the Earnings Protection Benefit (EPB) – available at an additional cost of 0.25%, with a maximum charge of 0.50%. Charges based on the benefit value and assessed against the contract value. If Spousal Continuation is elected, the rider charge upon Spousal Continuation will be the then-current charge for new sales, if available, subject to the election rules then in place.

The power of tax-deferral

By comparing two $100,000 investments, this chart demonstrates how money grows when taxes are not taken out compared to when they are taken out each year:

  1. Both grow at an annual rate of 7% for 30 years.
  2. One is taxed annually at an assumed federal income tax rate of 28%.
  3. The other is allowed to grow tax-deferred.

This hypothetical chart is intended to illustrate the advantage of tax deferral and not the actual performance of a specific product or its investment options. Tax-deferred results do not reflect any insurance charges or maintenance fees and assume no withdrawals or taxes over the periods shown. If included, performance would be lower. When withdrawn, gains from tax-deferred investments are subject to ordinary income tax. Lower rates on capital gains and dividends would increase the investment return of the taxable investment, thereby reducing the difference in performance between the options shown. You should consider your investment time horizon and income tax brackets, both current and anticipated, when making an investment decision. These factors, along with any changes in tax rates or tax treatment of investment earnings, may further impact the results of this comparison.

 

Investment options

With the freedom to choose from some of the most well-known and highly regarded asset managers in the industry, ForeInvestors Choice can help you build custom strategies for the various investor profiles in your book.

ForeInvestors Choice Logos

A better way to transfer a legacy

If your clients are interested in tax deferred growth potential for their assets, they may also want help protecting that growth from taxes for their legacy to beneficiaries.

ForeInvestors Choice can help meet this need with an optional death benefit called the Earnings Protection Benefit (EPB). The EPB increases the contract value by 35% of the contract growth to help cover any tax liability. If the contract value has no growth, beneficiaries receive the standard death benefit, equal to the contract value upon death. The EPB is offered for an additional cost of 0.25%, guaranteed not to exceed 0.50%. It is available through age 80.

Transfer legacy

A better way to transfer a legacy

If your clients are interested in tax deferred growth potential for their assets, they may also want help protecting that growth from taxes for their legacy to beneficiaries.

ForeInvestors Choice can help meet this need with an optional death benefit called the Earnings Protection Benefit (EPB). The EPB increases the contract value by 35% of the contract growth to help cover any tax liability. If the contract value has no growth, beneficiaries receive the standard death benefit, equal to the contract value upon death. The EPB is offered for an additional cost of 0.25%, guaranteed not to exceed 0.50%. It is available through age 80.

Excess withdrawals will impact optional benefits. Please see the prospectus for details.

The charge is (1) based on the benefit value, and (2) deducted quarterly from the investment options.

The Earnings Protection Benefit offers a maximum payout at death equal to $1 million, plus the contract value.

The benefit terminates upon annuitization, typically at age 95.

Withdrawals from the contract will reduce the contract value, thereby also reducing the death benefit. Determination of growth will be based on performance of the Cumulative Adjusted Premium, which is your total premium, reduced by withdrawals in excess of growth if the benefit was elected at contract issue. Only withdrawals that are in excess of contract growth reduce the Cumulative Adjusted Premium by the amount of the withdrawal that exceeds contract growth.

ForeInvestors Choice: the facts

ForeInvestors Choice B-share and C-share product highlights
B-SHARE C-SHARE
Maximum issue age
85
Available plans
Non-Qualified
Qualified: Traditional IRA, Roth IRA, SEP IRA, Inherited/Beneficiary IRA2,3
Contract charges4

M & E Risk charge: 0.80%
Administrative charge: 0.20%
Total standard contract charge: 1.00%

Total Annual Fund Operating Expense5:0.24% - 2.17%

Fund Facilitation Fee (applies only to certain funds): Up to 0.50% per fund

$50 Annual Maintenance Fee (applies to contract value less than $50,000 on Contract Anniversary or upon surrender)

M & E Risk charge: 0.95%
Administrative charge: 0.20%
Total standard contract charge: 1.15%

Total Annual Fund Operating Expense5:0.24% - 2.17%

Fund Facilitation Fee (applies only to certain funds): Up to 0.50% per fund

$50 Annual Maintenance Fee (applies to contract value less than $50,000 on Contract Anniversary or upon surrender)

Minimum investment amounts
$25,000 for Qualified and Non-Qualified Contracts
$500 for additions ($50 when accompanied by InvestEase® Program)
$2,500 Minimum Contract Value6
Surrender charges
Contingent Deferred Sales Charges (CDSC)7
Year 1 2 3 4 5 6
  9% 8% 7% 6% 5% 0%
None
Optional death benefits8
Legacy protection Max issue age Current charge9 Maximum charge
Earnings Protection Benefit 80 0.25% 0.50%
Standard Death Benefit is contract value.
Access to income

Partial Withdrawals: During each year when a CDSC applies, your client may take partial withdrawals up to an amount equal to the Free Withdrawal Amount (FWA) without incurring a CDSC.

The FWA is the greater of (a) your client's total Premium Payments that are subject to a CDSC multiplied by 5%; or (b) earnings, defined as contract value minus total Remaining Gross Premiums.10

Your client can access 100% of their contract value free of charge at any time.

Not all share classes are available in all firms.

 

 

ForeInvestors Choice I-share product highlights
Maximum issue age
85
Available plans
Non-Qualified
Qualified: Traditional IRA, Roth IRA, SEP IRA, Inherited/Beneficiary IRA2,3
Minimum investment amounts Contract charges4

$25,000 for Qualified and Non-Qualified Contracts

$500 for additions ($50 when accompanied by InvestEase® Program)

$2,500 Minimum Contract Value6

 

M & E Risk charge: 0.10%
Administrative charge: 0.20%
Total Standard contract charge: 0.30%

Total Annual Fund Operating Expense5:0.24% - 2.17%

Fund Facilitation Fee: Up to 0.50% per fund (applies only to certain funds)

$50 Annual Maintenance Fee (applies to contract value less than $50,000 on Contract Anniversary or upon surrender)

Optional benefit charges8
Legacy protection Max issue age Current charge9 Maximum charge
Earnings Protection Benefit 80 0.25% 0.50%
Standard Death Benefit is contract value.
Registered investment advisor (RIA) fee

Maximum charge

RIA withdrawal fee11 1.25%

RIA fee withdrawals are optional and assessed at the direction of the client and financial professional, and will have no impact to optional benefit calculations, but will reduce the contract value, as applicable.

Access to income

Your client can access 100% of their contract value free of charge at any time.12 Required Minimum Distribution (RMD) friendly, excluding Inherited/Beneficiary IRA3 plans.

Not all share classes are available in all firms.

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Prospectus

You can download electronic versions of the prospectus, statement of additional information, literature and more.

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