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    • RBC Insurance


    RBC Enhanced Choice 12 SPDA

       (RETIRED)

    A Fixed Indexed Annuity with a 12-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A-   Fitch:  A-  

    Rates
      Current Rates
    xx/xx/xxxx    		 Guaranteed
    Minimum Values
       Cap Part Rate Cap Part Rate
    1-Year DJIA Monthly Average Cap   ***    ***    ***   *** 
    1-Year DJIA Quarterly Additive Point-to-Point Cap   ***    ***    ***   *** 
    1-Year S&P 500 Annual Point-to-Point Cap   ***    ***    ***   *** 
    1-Year S&P 500 Monthly Additive Point-to-Point Cap   ***    ***    ***   *** 
    8 Year Fixed Fixed   (Rate guaranteed for 8 Years) *.** % +**.**% Bonus *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
     Year: 1
    Bonus Rate: ****

    Policy Notes

    A 12 year index annuity which pays a 5.0% Premium Enhancement at issue offering a choice of three interest crediting accounts. --[ subscription required to view full text ]--
    * ** **** ***** ******* ***** **** * *.*% ******* *********** ** ***** ******** * ****** ** ***** ******** ********* ********.

    * *-**** **** ********* ******** *****-**-***** ******* ******* **** ****** *****

  • *** ****** ****.
  • ****** **** * ********* ***.
  • *** ** ********** ** ******** ***** *** ** ********** *** * ****.
  • *** *** ****** ** ******** ***********; ******* ** **** ***** ** **** **** *.*%
  • ******** ** ********** ** ********* *** ***** ***** ** *** ***** ** *** ******* ** *** ***** ***** ** *** *** ** *** *******. **** ***** ** **** ******** ** *** ********* *** **** *** *** ********* ***** ******* *** ********* ***** ******** ****. *** ********* ***** ******** **** *** *** **** ******** *** ***** ******** ** ********* *** ******** **** **** **** ** ******** ** *** **** *** ** *** ******** ****. **** ** * **** ******, *** ******** **** **** ***** ** **** **** ****.

    * *-**** **** ******* ******* ******* *******
  • *** ****** ****
  • ****** **** ****** * *** ** ****** *** *** ********** *** *** ****
  • ***/****** *** *** ****** ** ******** ***********, *******, *** **** ***** ** **** **** *.*% *** *** ****** *** **** ***** ** ******* **** *.*%.
  • *********** ** ********* *** ***** ** *** ***** ** *** ***** *** ** **** ******** **** **** *** ******* ******* ** *** ***** ***** *** **** ****. *** ***** ******* *** *** ********** *** **** ** ****** **** ** * ******* (**** ******** * *** ** ****** ***) ** ********* *** ******** **** **** **** ** ******** ** *** **** *** ** *** ******** ****. **** ** * **** ******, *** ******** **** **** ***** ** **** **** ****.

    * *-**** ***** ******* **** * *.*% ***** **** ******** **** ***********
  • **** **-**** ******* ******** * *********** ******** **** ********** *** * *****. *****-**** ******** **** ******** * *% ***********.
  • *** **** ****** *** ***** * ******** *****, ******* ********* ** **-********* ** **** ******* **** **** *** **** ******** **** **** *** ******** **** *** ******** *** ******.
  • ***** *** *** ******** ****, * ******* ******** **** **** ** ******** ** *** ******* *** ********** *** * ****. * *** ********** ******* ******** **** **** ** ********** ** *** *** ** *** ********* ****** ******. ***** ** **** ******* *** ********** ** **** ** ***** *%.


    ************ ** ***** *** ********* ***********
    *** ******** ************* ********* ** *** ******** *********** *** ***** *** ** *********** ****** *** ******** ******* *** ************.

    • Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    Confinement Wa --[ subscription required to view full text ]--
    *********** ****** *** ******** ******* ****** *** ********* ** **.
    *********** ****** *** ********* ** **.
    **, **, **, ** *** **: **% **** ********** ********* ** *** **** (********** ********** *** ***** ** *********** ****** ***** ****.)
    *** ** *** ********* ** *** ******.

    MVA Explanation

    Applied to a full surrend --[ subscription required to view full text ]--
    ******* ** * **** ********* ** ******* ********** **** ******* ****** *** ***** ** ******** ***** **** *** ***** *** ******* ********. **** *** *****:

  • ***** **** ********** **********,
  • ** **** ******* *********** ***** *** ***** ** ******** *****,
  • ** ******* ************* *******,
  • ** * ***** ******* **** ** * ********** ***********, **
  • ** *** ************ ** ********* ** ** **** *** ***** *******.
    *** *** ******* ** *** ********** ** *** ******.

    • Commissions
    Effective date of commission schedule: 06/22/2009
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Option A

    RBC Enhanced Choice 12 SPDA
    (All approved states except those listed below)
    		 Up to age 75  
    Initial Premium: ****
    Ages 76-80  
    Initial Premium: ****
    Ages 81-85  
    Initial Premium: ****
    CA
    		 Up to age 75  
    Initial Premium: ****
    Ages 76-80  
    Initial Premium: ****
    Ages 81-85  
    Initial Premium: ****

    Option B

    RBC Enhanced Choice 12 SPDA
    (All approved states except those listed below)
    		 Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 81-85  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    CA
    		 Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 81-85  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    The Company may charge back 100% of commissions paid under this agreement.

    1. on premiums --[ subscription required to view full text ]--
      *** ******* *** ****** **** ***% ** *********** **** ***** **** *********.

      1. ** ******** **** *** ******** ***
      2. ** ******** *** *** **** ** * ******** **** ** ********* ** *** ***** ** ********** *** *** ******.

      ** ********, ** * ******** ** ********** *** *** ****** ** *** ***** ******** ****, *** ******* *** ****** **** * ******* ********** ** *********** **** ** ******** **** *** **** *** *** ********, ***** ****** ** *** ***** ** ******** *********** ** *** ***** ** *** ********* *****:

        **** ********* ************* ******* ********** *****
      *** ******* ******** ***** * ******:***%
      ****** * ******: **%      		 ***** ** ******:***% ***** * ******:***% ***** * ******:***%
      ****** * ******: **%


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