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After I2011 Installation Management Symposium
Creative and Visual Design Breakout Session
Presenter: Veronica Moore Senior Visual Information Specialist
&
?
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???Graphic
Design
Introduction Agenda Tips Design Style Process Inspiration Before and After Case Study AFC Campaign Oversized Material
Video
DesignTips
FROM MY DESK
“What separates a good graphic designer from a great one is the ability to touch another person’s soul through visual contact.”
MWR Logo
2
3 4 56
V’s Design TipsSixv
Family and MWR Brandmwrbrandcentral.com
{ }
3 4 56
V’s Design TipsSixv
Simplicity means
the achievement of maximum effect
with minimum means.
DR. KOICHI KAWANA, ARtISt, DeSIgNeR, ARCHIteCt
““
{ White Space }
too close
4 56
V’s Design TipsSixv
{ }
Hey, really ... it’s noT Personal
It’s about the audience/target market.
56
V’s Design TipsSixv
{ }
Color
Color is more than a combination it is also an emotion.SOS campaign used the color green because it symbolizes hope and growth. It is also a soothing color.
Subject Number
Color 101
Typography 102
Photography 103
Layout 104
Color can be used on charts to help readability. Best use of color is as a background element.Remember your color blind audience (top right is an example of one kind of color blindness.)
6
V’s Design TipsSixv
{ }
U.S.
ARMY
Lorem ipsum dolor sit amet, consectetur adipi-scing elit. Phasellus mi augue, varius convallis iaculis quis, aliquet sit amet diam. Nullam neque elit, adipiscing sed auctor.
Nunc auctor condimentum lectus, ac vestibu-lum mi blandit ac. Nulla venenatis libero et neque fringilla cursus in eu libero. Vestibulum ante ipsum primis in faucibus orci luctus.
U. S
. AR
MY
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus mi augue, varius convallis iaculis quis, aliquet sit amet diam. Nullam neque elit, adipiscing sed auctor.
Vertical words lose readability.(Can you see some other items that can be fixed on the left version? Hint: Simplify.)
A o c c d r n i g
t o r s c h e e a
r c h a t C a b r
i g d eu i n e r
v t i s y, i t d e
o s n ’ t t t a e
r a h t o r e d r
Vertical words lose readability.These are “words” not a hidden word puzzle
Aoccdrnig to rscheearch at Cmabrigdeuinervtisy, it deosn’t mttaer waht oredrthe ltteers in a wrod are, the olnyiprmoetnt tihng is taht the frist andlsat ltteres are at the rghit pclae. Therset can be a tatol mses and you cansitll raed it wouthit a porbelm. Tihs isbcuseae we do not raed ervey lteter byit slef but the wrod as a wlohe.mrc-cbu.cam.ac.uk/people/matt.davis/Cmabrigde/
To make a point - You can read the same words from the previous slide below. Our eyes are trained to read across the page.
Even if the words are not spelled correctly.
This doesn’t mean you can skip running a spell check.
WE’RE ALWA YS WITH YOUWORKING BEH IND THE SCENES.
navyfederal.org • 1-888-842-6328
Federally insured by NCUA. © 2011 Navy Federal NFCU 11680 (3-11)
Use of released Department of Defense imagery does not constitute product or organizational endorsement of any kind by the Department of Defense. Department of Defense photo. Federally insured by NCUA. © 2011 Navy Federal NFCU 11680 (3-11)
PROUDLY SERVING ALL BRANCHES OF THE MILITARY, DOD, AND THEIR FAMILIES—YOU ARE ELIGIBLE!
PROUD SPONSOR OFTHE 2011 U.S. ARMY SOLDIER SHOW
From solid advice to convenient locations and stellarcustomer service, our commitment to America’s soldiers andtheir families is without compromise. We’ve been servingthe military for over 75 years, and we look forward toserving you, too. To find out more about what Navy Federalcan do for you, visit us at navyfederal.org or stop by oneof our branches.
11680_Soldier Show Prgrm Ad_3-11_Layout 1 3/21/11 3:02 PM Page 1
Video Presentation
Spacing of type for fold line
V’s Design TipsSixv
{ }
Use Photo Editing
to Enhance
Do not Flip Photos of Soldiers Use Direction to Guide the eye
Visit ArmyMWR.com and find out how the Family and MWR network of programs and services can help you and your Family.
We’re proud to be a part of your network.
Family and MWR programs and services are available on the installation, in your community and online. We're providing child and youth services, programs for Families and recreation and leisure activities - all with your interests in mind.
smartphone code
the ProcessHow do you get inspired?
Video PresentationDesignStyle
More powerful than the obstacles
around us are the obstacles within us.
the most potent forces that kill off
new ideas are our own limitations.
SCOTT BELSKY, Making Ideas Happen
““
What do you use to influence your direction?Internet: portfolios, blogs, twitter; Dictionary (what does the word mean) Books and Magazines;
Idea Box: collect samples; Smartphone: take a picture or use an app to sketch your idea; finally get out of your comfort zone this usually will steer up new ideas
Find your own style it’s your signature.
CLICK
Design Inspiration
What is the nature of the subject?
Source: Where does this thing come from who or
what delivers it?
How Delivered?
Snail Mail, personally, email, or link
Size: Physical and emotional/Larger than human
or insignificant
Weight: Also physical/emotional
Purpose: What is this piece suppose to communicate?
Design Process
Mgmt
Project“Design is a profession based on
conception: on helping to define an
opportunity, then develop a solution
that will fulfill it. Subsequently, design
includes the identification and management
of the team that will bring it to life,
whether it is a product, communication,
event or place.”
Plan - Dates
Deadlines
Approvals
Delivery
Coordinate
What’s needed to complete?
Who’s needed to complete?
Project Management
Edward Griffin/FMWRC Marketing/(703) 681-7486 (DSN 761) [email protected] August 2008 UNCLASSIFIED
Creative Process
7 OF 11
CreativeProcess
Trends
2011
Design Trends
RetroHand-dr
awing
ColorsContrasting desaturated images and icons with
yellow, orange, and read text and skin tones vintage wine, citrus yellow
MinimalismGlyphish
Making the simple complicated
is common place, making the
complicated awesomely simple
that’s creativity.
SCOTT BELSKY, Making Ideas Happen
““
Design Challenge
E L E M E N T S ®
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A VARIABLE ANNUITY
ProductProfile
PLC.0108.1001
After& Redesign Case Study:
Protective Life Annuity Brochure
E L E M E N T S ®
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this layout needed more white space, more personality and more approachable.
PLC.0108.1001 10/01 www.protective.com/annuities
Variable annuity contracts issued by Protective Life Insurance Company.Securities offered by Investment Distributors, Inc. Both located at 2801 Highway280 South, Birmingham, AL 35223 (Attn: IPD 3-7).
Investment Distributors, Inc. and Protective Life Insurance Company are eachsubsidiaries of Protective Life Corporation.
Policy form numbers IPV-2074, -2075 (and state variations thereof). A flexiblepremium deferred variable and fixed annuity contract.
Additional benefits provided under endorsement and rider form numbers IPV-2051, -2052, -2057, -2058 and -2059 (and state variations thereof).
Product features and availability may vary by state.
This sales brochure is authorized for distribution to prospective investors onlywhen preceded or accompanied by a current prospectus for the funds and for theElements® Classic variable annuity contract. For more complete informationabout Elements® Classic and Protective Life Insurance Company, including allcharges and expenses, please read the prospectus. It should be read carefullybefore you invest or send money. This policy has limitations. For costs andcomplete details of coverage contact your insurance agent or Protective LifeInsurance Company.
While Protective Life offers interpretations of current law as it pertains toannuities, the company does not give tax or legal advice. You should consult yourattorney or tax adviser regarding your individual situation.
A N N U I T I E Sare tools designed to help people save for retirement.
ELEMENTS®
c l a s s i c33
Millions of Americans have chosen annuities to help them chart a course toward theirlong-term financial goals. An annuity is more than simply a contract issued by a lifeinsurance company. It is a product uniquely designed to help meet the needs of peoplesaving for retirement.
Annuities offer investors two core benefits: regular income payments that can lasta lifetime and tax-deferral.
The first core benefit of an annuity offers protection from outliving one’s assets. Thisbenefit - the right to receive a stream of income payments for life - is called "annuitization."Annuitization simply means converting the value of an annuity contract into a seriesof income payments. These income payments can be guaranteed for life, no matter howlong, or for a specified period of time. Other options may also be available. In addition,the income payment amounts can be fixed and guaranteed or they can be variable - varyingfrom one payment to the next as a reflection of the performance of the sub-accountsselected to support the payments.
Fixed payments provide the security of knowing how much each payment will be, but mayor may not keep up with the effects of inflation. Variable payments, on the other hand, mayincrease or decrease depending on the performance of the underlying investments. Thispotential ability of variable payments to keep pace with inflation may be criticallyimportant. An investor may prefer to combine fixed and variable annuitization to build anincome stream to meet his or her return expectations and risk tolerance.
R E G U L A R I N C O M E PAY M E N T S
“Jazz is not a game of chance.
No one can become a virtuoso on the spur
of the moment.”~ Wanda Landowska,
Polish musician
The second core benefit of an annuity is tax-deferral. Income taxes are one of the primary obstacles toaccumulating wealth for retirement because they reduce the efficiency of compounding and thus the rate ofgrowth. In an annuity, earnings grow tax-deferred until they are withdrawn or distributed. At withdrawal,all earnings will be taxed as ordinary income (and may be subject to a 10% IRS penalty tax if taken prior to age 59 ½).
T H E P O W E R O F TA X - D E F E R R A L
Accumulation PhaseInitial Investment - $50,000 $1,750 per month
net after tax
Withdrawal Phase
$100,000
$200,000
$300,000
$400,000
Year0 5 10 15 20 25 30 5 10 15
$340,162
$235,704
$223,630
Tax-Deferred Investment @ 6.6% (8% assumedreturn less 1.40% insurance charges)
Taxable Investment8% assumed return
After-tax surrender value of Tax-Deferred Investment
36% Tax bracket assumed throughout
44
This chart is for illustrative purposes only and is not representative of any current or future investment results of the Elements® Classic variable annuity contract.Actual results may be higher or lower.
This chart shows a hypothetical $50,000 investment during a 30-year "accumulation phase" and a following "withdrawal phase" during which monthlywithdrawals of $1,750 net after tax are made (the gross monthly withdrawal from the tax-deferred investment would be $2,734.38, sufficient to generate$1,750 net after tax in the 36% tax bracket). This example assumes a constant 8% gross annual return for both the taxable and tax-deferred investments.This example also assumes a 36% income tax bracket applied annually to earnings in the taxable investment and upon withdrawal in the tax-deferred investment. The after-tax surrender value of the tax-deferred investment assumes a full surrender of the tax-deferred investment and the application of a 36% income tax rate. Withdrawals of earnings from the tax-deferred investment will be subject to income tax and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2. Early withdrawals will reduce net earnings.
These numbers do not include fees for investment management or the $30 annual contract maintenance fee, which would reduce actual results. The tax-deferredillustration includes the effects of the 1.40% mortality & expense and administrative charges applicable to the Standard Death Benefit (without the EEDB) ofthe Elements® Classic variable annuity contract. If an Optional Benefit Package and/or the EEDB is selected, the charge would be higher and the results wouldbe lower. The tax-deferred illustration also includes the effects of the Elements® Classic variable annuity’s declining surrender charge which applies only duringthe first five contract years: 6%, 6%, 5%, 5%, 4%, 0%. Certain withdrawals are not subject to surrender charges.
An annuity contract may be purchased on a non-qualified basis or for use within certain qualified retirement plans or arrangements that receive favorable taxtreatment, such as individual retirement accounts and individual retirement annuities (IRAs), pension and profit-sharing plans (including H.R. 10 Plans), and tax-sheltered annuity plans. Many of these qualified plans, including IRAs, provide the same type of tax-deferral as provided by an annuity contract. An annuitycontract, however, provides a number of benefits and features not provided by such retirement plans or arrangements alone. There are costs and expenses undera variable annuity contract related to these benefits and features.
You should consult a qualified tax and/or financial adviser regarding the use of an annuity contract within a qualified plan or in connection withother employee benefit plans or arrangements. You should carefully consider the benefits and features provided by a variable annuity contractin relation to its costs as it applies to your particular situation.
ELEMENTS®
c l a s s i c11
All calculations are based on an owner age 69 or less at the time of issue, the election of an Annual Reset DeathBenefit, and that the owner’s death occurs more than 12 months after the EEDB issue date.
E E D B S A M P L E C A L C U L AT I O N S
Scenario 1 Scenario 2
Purchase Payment $100,000 Purchase Payment $100,000
Maximum Anniversary Value $180,000 Maximum Anniversary Value $380,000
Account Value at Death $170,000 Account Value at Death $400,000
Annual Reset Death Benefit $180,000 Annual Reset Death Benefit $400,000
EEDB (40% x $80,000) $32,000 EEDB (capped at $80,000) $80,000
Total $212,000 Total $480,000
Scenario 3 Scenario 4
Purchase Payment $100,000 Purchase Payment $100,000
Maximum Anniversary Value $120,000 Maximum Anniversary Value $95,000
Account Value at Death $90,000 Account Value at Death $90,000
Annual Reset Death Benefit $120,000 Annual Reset Death Benefit $100,000
EEDB (40% x $20,000) $8,000 EEDB (40% x $0) $0
Total $128,000 Total $100,000
C O N T R AC T F E AT U R E SEarnings Enhancement Death Benefit
11
The Earnings Enhancement Death Benefit (EEDB) will increase the value of the selecteddeath benefit by paying an additional amount based on investment earnings, if there are any.This additional payment may help offset expenses incurred by the beneficiary such asfederal and state income taxes.
If the EEDB issue date is prior to the oldest owner’s 70th birthday, the EEDB will pay anamount equal to 40% of total investment earnings* since the EEDB issue date based on thegreater of the selected death benefit or Contract Value, up to a maximum of 80% of netPurchase Payments. If any owner dies within 12 months of the EEDB issue date, then thebenefit is based on the Contract Value.
If the EEDB issue date is on or after the oldest owner’s 70th birthday, the EEDB will payan amount equal to 25% of total investment earnings* since the EEDB issue date based onthe greater of the selected death benefit or Contract Value, up to a maximum of 50% of netPurchase Payments. If any owner dies within 12 months of the EEDB issue date, then thebenefit is based on the Contract Value.
The EEDB is available at the time of application to owners through age 75, only for non-qualified contracts, and is not available in MN, ND and WA. Once selected the EEDB maynot be canceled. The EEDB terminates upon any owner’s reaching age 90 or uponannuitization. While in effect the EEDB will increase the Mortality and Expense RiskCharge by 0.25%.
For purposes of the EEDB,investment earnings are calculated during the first12 months after the EEDBissue date as the currentContract Value minus theContract Value on the EEDBissue date (adjusted forPurchase Payments made orwithdrawn since that date).After the first 12 monthsafter the EEDB issue date asthe current death benefitminus the Contract Value onthe EEDB issue date (adjust-ed for Purchase Paymentsmade or withdrawn sincethat date). For purposes ofthe EEDB, net PurchasePayments means the Con-tract Value on the EEDBissue date, adjusted forPurchase Payments made orwithdrawn since that date,excluding any PurchasePayments made within 12months of the deceasedowner’s date of death. See prospectus for morecomplete details.
*
Enhanced Spousal Continuation Benefit & Nursing Home/Terminal Illness Waiver
These calculations are intended to be used solely as a comparison of the effects of the EarningsEnhancement Death Benefit. The calculations assume a single Purchase Payment, no withdrawals orsurrenders, and investment performance as depicted by the "Maximum Anniversary Value," "AccountValue at Death," and the "Annual Reset Death Benefit" values in each example. These calculations arehypothetical only. They do not reflect past or future investment performance of any sub-account, whichwill fluctuate. Additional Purchase Payments and withdrawals or surrenders of Contract Value will changethe effects of the Annual Reset Death Benefit and the Earnings Enhancement Death Benefit.
The Enhanced Spousal Continuation Benefit (ESCB) allows the surviving spouse who is the contractbeneficiary to continue the contract at the amount of the death benefit. That means if the death benefit isgreater than the Contract Value, the Contract Value will be increased to the amount of the death benefit,including the EEDB if applicable.
Neither the death benefit nor the optional EEDB (if selected) is terminated by a survivingspouse’s continuation of the contract. The selected death benefit and the optional EEDB (if selected) continue in force.
The ESCB is not available in MN, ND and WA. There is no additional charge for the ESCB.
This waiver is included only in the Optional Benefit Packages and waives any applicablesurrender charge if, after the first contract year, any owner enters a licensed andqualified skilled care nursing home for 90 days or more or is diagnosed by anapproved physician as having a terminal illness that will result in death in lessthan 12 months. (In Texas only, the waiver is also applicable during the first contract year.)
N U R S I N G H O M E / T E R M I N A L I L L N E S S WA I V E R
E N H A N C E D S P O U S A L C O N T I N U AT I O N B E N E F I T
1212
Continued with the musical instrument theme yet focused on Jazz, images of people of the target market were added, pull quotes from Jazz Musicians
to break up the text.
E L E M E N T S ®
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A VARIABLE ANNUITY
ProductProfile
PLC.0108.1001
ELEMENTS®
c l a s s i c
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Jazz...captures the American imagination, much like dreams of success andindependence. It symbolizes that which we aspire to achieve.
Sparked with emotion, Jazz offers a shared past of sorrows and triumphs.It plays to the beat of our days, giving legend to generations.
Neither a single note nor instrument carries this legend alone.Through their unity, the sound and essence of the music is created.
Your financial plans play out much the same way.
Planning for your retirement begins like a song’s first strains - a trumpetsolo, perhaps. Soaring to encompass the piano, saxophone and a heartfeltsinger, the music grows, as does your ability to save and invest. The piececloses to a satisfying refrain as your patience and discipline are rewardedwith the potential for a secure and comfortable life in retirement.
The jazz great Charlie Parker once said, “Music is your own experience,your own thoughts, your wisdom. If you don’t live it, it won’t come outof your horn.”
The Elements® series of variable annuities are instruments designed tohelp people invest for retirement. Use them as an introduction to anorchestrated event, or as an ensemble’s finishing touch.
They’ll keep time with you through the best parts of your life!
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“Music is your own experience, your own
thoughts, your wisdom.”~ Charlie Parker, U.S. jazz trumpeter
PLC.0108.1001 10/01 www.protective.com/annuities
Variable annuity contracts issued by Protective Life Insurance Company.Securities offered by Investment Distributors, Inc. Both located at 2801 Highway280 South, Birmingham, AL 35223 (Attn: IPD 3-7).
Investment Distributors, Inc. and Protective Life Insurance Company are eachsubsidiaries of Protective Life Corporation.
Policy form numbers IPV-2074, -2075 (and state variations thereof). A flexiblepremium deferred variable and fixed annuity contract.
Additional benefits provided under endorsement and rider form numbers IPV-2051, -2052, -2057, -2058 and -2059 (and state variations thereof).
Product features and availability may vary by state.
This sales brochure is authorized for distribution to prospective investors onlywhen preceded or accompanied by a current prospectus for the funds and for theElements® Classic variable annuity contract. For more complete informationabout Elements® Classic and Protective Life Insurance Company, including allcharges and expenses, please read the prospectus. It should be read carefullybefore you invest or send money. This policy has limitations. For costs andcomplete details of coverage contact your insurance agent or Protective LifeInsurance Company.
While Protective Life offers interpretations of current law as it pertains toannuities, the company does not give tax or legal advice. You should consult yourattorney or tax adviser regarding your individual situation.
INTRODUCTIONAbout Annuities
CONTRACTFEATURES
Purchase/LiquidityContract Fees
Tax-Advantages
Death Benefits
Earnings Enhancement Death Benefit
Enhanced SpousalContinuation Benefit
Nursing Home/Terminal Illness Waiver
WORLD CLASSINVESTMENT
MANAGEMENT
Managers & Funds
Model Portfolios
Fixed Account &Dollar Cost Averaging
Fixed Accounts
OUR COMPANYAbout Protective LifeRetirement Planning
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CONTENTS
�Annuities are long-term tax-deferred investments intended forretirement planning. Withdrawals of taxable amounts will be subject toincome tax and may be subject to a 10% IRS penalty tax if taken prior toage 59 1/2. A surrender charge may also apply. Withdrawals have theeffect of reducing any death benefit and cash surrender value.
The underlying portfolios in the Elements® Classic variable annuity maycontain different investments than similarly named mutual funds offered bythe investment managers. Investment results may be higher or lower.
Annuities are not deposits or obligations of, or guaranteed by, any bank orsavings institution. Annuities are not insured by the Federal Deposit InsuranceCorporation or any other government agency. All guarantees are subject tothe claims paying ability of the issuing insurance company. Annuities aresubject to investment risk, including the possible loss of principal.
22
ELEMENTS®
c l a s s i c55
C O N T R AC T F E AT U R E SPurchase/Liquidity Options; Contract Fees
AvailabilityElements® Classic may not be available in certain states.
Issue AgesAvailable to owners and annuitants age 84 or less.
Investment AmountsMinimum $10,000 (non-qualified), $2,000 (qualified);Maximum $2,000,000 without prior administrative office approval.
Additional InvestmentsMinimum - $100 ($50 via EFT)
Automatic Purchase Payment PlanAutomatic investments from checking or savings account.Available monthly or quarterly ($50 minimum).
WithdrawalsDuring the first contract year, 15% of the initial Purchase Payment may be withdrawnwithout surrender charge. During the second through fifth contract year, Elements®
Classic allows investors to withdraw the greatest of:
1. Accumulated earnings as of the prior contract anniversary.2. 15% of cumulative Purchase Payments as of the prior contract anniversary.3. 15% of the Contract Value as of the prior contract anniversary.
After the fifth contract year there is never a surrender charge, providinginvestors with enhanced liquidity and flexibility.
Automatic Withdrawals can begin at purchase or at a later date with aminimum initial Purchase Payment of $10,000 or a Contract Value as of theprevious contract anniversary of $10,000. Payments are available monthly orquarterly ($100 minimum). The minimum remaining Contract Value after eachautomatic withdrawal must be $10,000. There is no charge for automaticwithdrawals, however a surrender charge may apply to amounts in excess ofthe surrender charge-free withdrawal amount.
Withdrawals of earnings will be subject to income tax and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2.
L I Q U I D I T Y O P T I O N S
P U R C H A S E O P T I O N S
�� �
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“In jazz at its characteristic best,
each player seems to be, and has the sense of being, on his own...
And yet the outcome is a dazzlingly precise
creative unity.”- John A. Kouwenhoven,
U.S. author, educator
Surrender ChargeWithdrawals in excess of the surrender charge-free withdrawal amount will be subject to a decliningsurrender charge which applies only during the first five contract years: 6%, 6%, 5%, 5%, 4%, 0%.
No Up-Front Sales Charges or FeesSurrender charges may apply to withdrawals made only during the first five contract years.
Some states impose a premium tax. Protective Life does not currently deduct a charge for premium taxesexcept on annuitization. However, we reserve the right to make a charge for premium taxes in othercircumstances. See prospectus for more complete details.
Contract Maintenance FeeAn annual contract maintenance fee of $30 will apply on each contractanniversary unless total Purchase Payments (less any amounts surrendered includingassociated surrender charges) equals or exceeds $50,000 or the Contract Value on thecontract anniversary equals or exceeds $50,000.
Mortality and Expense Risk ChargeA Mortality and Expense Risk Charge equal to 1.25% on an annual basis (1.50% ifthe optional EEDB is selected) is deducted from the daily net asset value of the VariableAccount. If one of the Optional Benefit Packages is selected, the charge is 1.40%(1.65% if the optional EEDB is selected). On and after the annuity commencement date,the charge is 1.25%.
Administration ChargeAn Administration Charge equal to 0.15% (on an annual basis) is deductedfrom the daily net asset value of the Variable Account.
Fund ExpensesSee fund prospectuses for a description of all fund fees and expenses.
C O N T R A C T F E E S
66
A N N U I T I E Sare tools designed to help people save for retirement.
ELEMENTS®
c l a s s i c33
Millions of Americans have chosen annuities to help them chart a course toward theirlong-term financial goals. An annuity is more than simply a contract issued by a lifeinsurance company. It is a product uniquely designed to help meet the needs of peoplesaving for retirement.
Annuities offer investors two core benefits: regular income payments that can lasta lifetime and tax-deferral.
The first core benefit of an annuity offers protection from outliving one’s assets. Thisbenefit - the right to receive a stream of income payments for life - is called "annuitization."Annuitization simply means converting the value of an annuity contract into a seriesof income payments. These income payments can be guaranteed for life, no matter howlong, or for a specified period of time. Other options may also be available. In addition,the income payment amounts can be fixed and guaranteed or they can be variable - varyingfrom one payment to the next as a reflection of the performance of the sub-accountsselected to support the payments.
Fixed payments provide the security of knowing how much each payment will be, but mayor may not keep up with the effects of inflation. Variable payments, on the other hand, mayincrease or decrease depending on the performance of the underlying investments. Thispotential ability of variable payments to keep pace with inflation may be criticallyimportant. An investor may prefer to combine fixed and variable annuitization to build anincome stream to meet his or her return expectations and risk tolerance.
R E G U L A R I N C O M E PAY M E N T S
“Jazz is not a game of chance.
No one can become a virtuoso on the spur
of the moment.”~ Wanda Landowska,
Polish musician
The second core benefit of an annuity is tax-deferral. Income taxes are one of the primary obstacles toaccumulating wealth for retirement because they reduce the efficiency of compounding and thus the rate ofgrowth. In an annuity, earnings grow tax-deferred until they are withdrawn or distributed. At withdrawal,all earnings will be taxed as ordinary income (and may be subject to a 10% IRS penalty tax if taken prior to age 59 ½).
T H E P O W E R O F TA X - D E F E R R A L
Accumulation PhaseInitial Investment - $50,000 $1,750 per month
net after tax
Withdrawal Phase
$100,000
$200,000
$300,000
$400,000
Year0 5 10 15 20 25 30 5 10 15
$340,162
$235,704
$223,630
Tax-Deferred Investment @ 6.6% (8% assumedreturn less 1.40% insurance charges)
Taxable Investment8% assumed return
After-tax surrender value of Tax-Deferred Investment
36% Tax bracket assumed throughout
44
This chart is for illustrative purposes only and is not representative of any current or future investment results of the Elements® Classic variable annuity contract.Actual results may be higher or lower.
This chart shows a hypothetical $50,000 investment during a 30-year "accumulation phase" and a following "withdrawal phase" during which monthlywithdrawals of $1,750 net after tax are made (the gross monthly withdrawal from the tax-deferred investment would be $2,734.38, sufficient to generate$1,750 net after tax in the 36% tax bracket). This example assumes a constant 8% gross annual return for both the taxable and tax-deferred investments.This example also assumes a 36% income tax bracket applied annually to earnings in the taxable investment and upon withdrawal in the tax-deferred investment. The after-tax surrender value of the tax-deferred investment assumes a full surrender of the tax-deferred investment and the application of a 36% income tax rate. Withdrawals of earnings from the tax-deferred investment will be subject to income tax and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2. Early withdrawals will reduce net earnings.
These numbers do not include fees for investment management or the $30 annual contract maintenance fee, which would reduce actual results. The tax-deferredillustration includes the effects of the 1.40% mortality & expense and administrative charges applicable to the Standard Death Benefit (without the EEDB) ofthe Elements® Classic variable annuity contract. If an Optional Benefit Package and/or the EEDB is selected, the charge would be higher and the results wouldbe lower. The tax-deferred illustration also includes the effects of the Elements® Classic variable annuity’s declining surrender charge which applies only duringthe first five contract years: 6%, 6%, 5%, 5%, 4%, 0%. Certain withdrawals are not subject to surrender charges.
An annuity contract may be purchased on a non-qualified basis or for use within certain qualified retirement plans or arrangements that receive favorable taxtreatment, such as individual retirement accounts and individual retirement annuities (IRAs), pension and profit-sharing plans (including H.R. 10 Plans), and tax-sheltered annuity plans. Many of these qualified plans, including IRAs, provide the same type of tax-deferral as provided by an annuity contract. An annuitycontract, however, provides a number of benefits and features not provided by such retirement plans or arrangements alone. There are costs and expenses undera variable annuity contract related to these benefits and features.
You should consult a qualified tax and/or financial adviser regarding the use of an annuity contract within a qualified plan or in connection withother employee benefit plans or arrangements. You should carefully consider the benefits and features provided by a variable annuity contractin relation to its costs as it applies to your particular situation.
ELEMENTS®
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C O N T R AC T F E AT U R E SAdvantages of Tax-Deferral
All earnings accumulate without income taxes until withdrawn or distributed.Withdrawalsof earnings will be subject to income tax and may be subject to a 10% IRS penalty tax iftaken prior to age 59 ½.
Transfers between and among the investment options are not taxable. We may limit thenumber of transfers to no more than 12 per year. For each additional transfer over 12during each Contract Year, we may charge a $25 transfer fee. The limits do not apply toDollar Cost Averaging or Portfolio rebalancing transfers. No transfers may be made intothe Dollar Cost Averaging Fixed Accounts.
The maximum amount that may be transferred from the Fixed Account during a contractyear is the greater of (1) 25% of the value of the Fixed Account or (2) $2,500. The FixedAccount may not be available in certain states.
Portfolio Rebalancing is a risk control technique that attempts to manage risk by restoringpre-determined weightings among various investments on a regular basis. In this manner,an investor’s allocation percentages are maintained over time even though the performanceof the various investments may differ. This can provide a relatively constant risk profile bymaintaining a stable allocation.
Without Portfolio Rebalancing, the risk profile of a particular portfolio canchange depending on the relative performance of the underlying investments inthat portfolio.
Portfolio Rebalancing is available quarterly, semi-annually or annually for allvariable sub-accounts and Model Portfolios.
P O R T F O L I O R E B A L A N C I N G
N O N - TA X A B L E S U B - A C C O U N T T R A N S F E R S
TA X - D E F E R R E D E A R N I N G S
“Music is eithergood or bad, and it’s got
to be learned. You got to
have balance,”~ Louis Armstrong,
U.S. jazz trumpeter.
Annuities have the ability to provide regular income payments that can last a lifetime, similar in concept to an old-fashioned pension. This benefit is provided when the value of an annuity contract isconverted into a series of regular income payments, a process known as "annuitization." This benefit isunique to annuities.
Annuity owners can typically choose from a variety of options how to receive income payments from theirannuities. The income payments can be guaranteed for life, no matter how long, or for a specified periodof time. Other options may also be available. In addition, the income payment amounts can be fixed andguaranteed or they can be variable - varying from one payment to the next as a reflection of theperformance of the sub-accounts selected to support the payments.
If the annuity contract was purchased with "after-tax" dollars (non-qualified funds) then each income payment is generally considered tobe part return of principal and part earnings on principal. Only theearnings portion of each income payment is taxable. Funds intax-qualified plans will be taxed according to the rulesapplicable to such plans.
An Elements® Classic contract must be annuitized by (1) theearlier of any owner’s or annuitant’s 90th birthday or (2) the10th contract anniversary, if later. See prospectus formore complete details.
TA X - A D VA N TA G E D I N C O M E O P T I O N S
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All calculations are based on an owner age 69 or less at the time of issue, the election of an Annual Reset DeathBenefit, and that the owner’s death occurs more than 12 months after the EEDB issue date.
E E D B S A M P L E C A L C U L AT I O N S
Scenario 1 Scenario 2
Purchase Payment $100,000 Purchase Payment $100,000
Maximum Anniversary Value $180,000 Maximum Anniversary Value $380,000
Account Value at Death $170,000 Account Value at Death $400,000
Annual Reset Death Benefit $180,000 Annual Reset Death Benefit $400,000
EEDB (40% x $80,000) $32,000 EEDB (capped at $80,000) $80,000
Total $212,000 Total $480,000
Scenario 3 Scenario 4
Purchase Payment $100,000 Purchase Payment $100,000
Maximum Anniversary Value $120,000 Maximum Anniversary Value $95,000
Account Value at Death $90,000 Account Value at Death $90,000
Annual Reset Death Benefit $120,000 Annual Reset Death Benefit $100,000
EEDB (40% x $20,000) $8,000 EEDB (40% x $0) $0
Total $128,000 Total $100,000
C O N T R AC T F E AT U R E SEarnings Enhancement Death Benefit
11
The Earnings Enhancement Death Benefit (EEDB) will increase the value of the selecteddeath benefit by paying an additional amount based on investment earnings, if there are any.This additional payment may help offset expenses incurred by the beneficiary such asfederal and state income taxes.
If the EEDB issue date is prior to the oldest owner’s 70th birthday, the EEDB will pay anamount equal to 40% of total investment earnings* since the EEDB issue date based on thegreater of the selected death benefit or Contract Value, up to a maximum of 80% of netPurchase Payments. If any owner dies within 12 months of the EEDB issue date, then thebenefit is based on the Contract Value.
If the EEDB issue date is on or after the oldest owner’s 70th birthday, the EEDB will payan amount equal to 25% of total investment earnings* since the EEDB issue date based onthe greater of the selected death benefit or Contract Value, up to a maximum of 50% of netPurchase Payments. If any owner dies within 12 months of the EEDB issue date, then thebenefit is based on the Contract Value.
The EEDB is available at the time of application to owners through age 75, only for non-qualified contracts, and is not available in MN, ND and WA. Once selected the EEDB maynot be canceled. The EEDB terminates upon any owner’s reaching age 90 or uponannuitization. While in effect the EEDB will increase the Mortality and Expense RiskCharge by 0.25%.
For purposes of the EEDB,investment earnings are calculated during the first12 months after the EEDBissue date as the currentContract Value minus theContract Value on the EEDBissue date (adjusted forPurchase Payments made orwithdrawn since that date).After the first 12 monthsafter the EEDB issue date asthe current death benefitminus the Contract Value onthe EEDB issue date (adjust-ed for Purchase Paymentsmade or withdrawn sincethat date). For purposes ofthe EEDB, net PurchasePayments means the Con-tract Value on the EEDBissue date, adjusted forPurchase Payments made orwithdrawn since that date,excluding any PurchasePayments made within 12months of the deceasedowner’s date of death. See prospectus for morecomplete details.
*
Enhanced Spousal Continuation Benefit & Nursing Home/Terminal Illness Waiver
These calculations are intended to be used solely as a comparison of the effects of the EarningsEnhancement Death Benefit. The calculations assume a single Purchase Payment, no withdrawals orsurrenders, and investment performance as depicted by the "Maximum Anniversary Value," "AccountValue at Death," and the "Annual Reset Death Benefit" values in each example. These calculations arehypothetical only. They do not reflect past or future investment performance of any sub-account, whichwill fluctuate. Additional Purchase Payments and withdrawals or surrenders of Contract Value will changethe effects of the Annual Reset Death Benefit and the Earnings Enhancement Death Benefit.
The Enhanced Spousal Continuation Benefit (ESCB) allows the surviving spouse who is the contractbeneficiary to continue the contract at the amount of the death benefit. That means if the death benefit isgreater than the Contract Value, the Contract Value will be increased to the amount of the death benefit,including the EEDB if applicable.
Neither the death benefit nor the optional EEDB (if selected) is terminated by a survivingspouse’s continuation of the contract. The selected death benefit and the optional EEDB (if selected) continue in force.
The ESCB is not available in MN, ND and WA. There is no additional charge for the ESCB.
This waiver is included only in the Optional Benefit Packages and waives any applicablesurrender charge if, after the first contract year, any owner enters a licensed andqualified skilled care nursing home for 90 days or more or is diagnosed by anapproved physician as having a terminal illness that will result in death in lessthan 12 months. (In Texas only, the waiver is also applicable during the first contract year.)
N U R S I N G H O M E / T E R M I N A L I L L N E S S WA I V E R
E N H A N C E D S P O U S A L C O N T I N U AT I O N B E N E F I T
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C O N T R AC T F E AT U R E SChoice of Death Benefits
�� �
� � � � � � � � �In addition to its many important features and benefits designed to help investorsaccumulate wealth, Elements® Classic may help protect and transfer that wealth to familyand heirs through its choice of death benefits. Any benefit payable at death is transferreddirectly to named beneficiaries, avoiding the cost, delay and publicity of probate. Incomeand estate taxes may apply.
The Standard Death Benefit provides that if an owner of an Elements® Classic variableannuity should die prior to annuitization, the beneficiary will receive the greater of:1.The Contract Value2.The total Purchase Payments (less any amounts surrendered, including associated surrender charges).The cost for the Standard Death Benefit is included in the mortality and expense riskcharge of 1.25%.
At the time of application, an owner may purchase one of two Optional Benefit Packagesthat may provide a death benefit which is greater than the Standard Death Benefit. Oncean Optional Benefit Package is selected, the option may not be canceled or changed. Themortality and expense risk charge including these packages is 1.40%.
Optional Benefit Package 1 - Annual Reset Death BenefitThe Annual Reset Death Benefit provides that if an owner of an Elements® Classic variableannuity should die prior to annuitization, the beneficiary will receive the greatest of:1.The Contract Value 2.The total Purchase Payments (less any amounts surrendered, including associated surrender charges),3.The greatest Annual Reset Anniversary Value1 attained before the earlier of the deceased
owner’s 80th birthday or the date of death.
O P T I O N A L B E N E F I T PA C K A G E S
S TA N D A R D D E AT H B E N E F I T
These charts are intended to be used solely as a com-parison of the relativeeffects of the Elements®
Classic variable annuity’sStandard Death Benefit,Annual Reset Death Benefit,and Compound and Three-Year Reset Death Benefit.The examples assume a sin-gle Purchase Payment, nowithdrawals or surrenders,and identical investmentperformance as depicted bythe Contract Value graph ineach example. These chartsare hypothetical only. Theydo not reflect past or futureinvestment performance of any sub-account, whichwill fluctuate. AdditionalPurchase Payments andwithdrawals or surrenders of Contract Value willchange the effects of each ofthe Death Benefits shown.
Standard Death Benefit
Purchase Payment
Contract Value
Optional Benefit Package 2 - Compound and Three Year Reset Death BenefitThe Compound and Three Year Reset Death Benefit (not available in WA) provides that if an owner of anElements® Classic variable annuity should die prior to annuitization, the beneficiary will receivethe greatest of:1.The Contract Value 2.The total Purchase Payments (less any amounts surrendered, including associated surrender charges),3.The Compound Anniversary Value2 attained before the earlier of the deceased owner’s 80th
birthday or the date of death. The compound anniversary value will accumulate at 4% annually(3% if the deceased owner was age 71 or older at the time the contract was issued).
4.The greatest 3-Year Reset Anniversary Value3 attained before the earlier of the deceased owner’s80th birthday or the date of death.
1An annual reset anniversary value will be determined on each contract anniversary occurring before the earlier of the deceased owner’s 80th birthday orthe deceased owner’s date of death. Each annual reset anniversary value is the sum of the Contract Value on a contract anniversary, plus all PurchasePayments since that anniversary, minus all amounts surrendered including associated surrender charges since that anniversary.
2 A compound anniversary value will be determined on the most recent contract anniversary before the earlier of the deceased owner’s 80th birthday orthe deceased owner’s date of death. The compound anniversary value is equal to the sum of (1) the accumulation to a contract anniversary of allPurchase Payments prior to that anniversary, minus the accumulation of amounts surrendered including associated surrender charges prior to thatanniversary and (2) any Purchase Payments on or since that anniversary, minus any amounts surrendered including associated surrender charges on orsince that anniversary.
3 A 3-year reset anniversary value will be determined every 3rd contract anniversary occurring before the earlier of the deceased owner’s 80th birthdayor the deceased owner’s date of death. Each 3-year reset anniversary value is equal to the sum of the Contract Value on a 3rd contract anniversary, plusall Purchase Payments since that anniversary, minus all amounts surrendered including associated surrender charges since that anniversary.
Compound and Three-Year Reset Death Benefit
3-Year Reset Anniversary Value3
Compound Anniversary Value2
Contract Value
Purchase Payment
Annual Reset Death Benefit
Contract Value
Annual Reset Anniversary Value1
Purchase Payment
1010
Final Layout
AFCCampaign
Army Times Ad Military Spouse Ad
Photoshoot of Families and their quotes about the Family Covenant were collected for the campaign.
A few of the designs that were created in the beginning.
We recognize the commitment and increasing sacrifices
that our families are making every day. We recognize
the strength of our Soldiers comes from the strength of
their Families.
We are committed to providing Soldiers and Families a
Quality of Life that is commensurate with their service.
We are committed to providing our Families a strong,
supportive environment where they can thrive.
We are committed to building a partnership with Army
families that enhances their strength and resilience.
We are committed to improving Family readiness by:
programs and services
child care
opportunities for Family members
Learn more, visit ARMYOneSource.com to see what the Army Family Covenant can mean for you or someone you know.
ARMY FAMILY COVENANT: KEEPING THE PROMISE
The Ly Family, Serving Together for Thirteen years.
oversized
Material
Oversized material means every detail of an image will be seen . . . look over them closely.
FMWR Marketing
Creative Development Projects Carrie Poore
Symposium Materials Banquet Poster & Digital; I A.M. STRONG Poster, Digital & Web Landing page Chess Poster, Web Ad and Digital Signage
Finalized WCAP Facility SignageAll Sports Pen Promo
WCAP- AAFES ads
Festival of the Arts Book and Digital Signage - 120-page book
Social Media Digital Signage
All Army Sports Brochure
Army Athletes Twitter Page Image
WCAP Popup 8x8 Display/ popup counter
Cross Account Posters
Soldier Show Ad - Paralympic Ad
APCA Pop-ups, Display and Information Card
Symposium Material:Banquet Poster & Digital • I A.M. STRONG Digital, Web, & Poster
Chess Poster, Web Ad and Digital Signage
FOA Signage
All Army Sports Brochure
WHO: Each player must be US Army Active Duty and a
United States Chess Federation (USCF) rated member.
Twelve players will be selected and funded by
Family and MWR Command to represent the
Army at the 2010 Championships.
HOW: All players must apply online or download an
application and fax to 703-681-7249, DSN 761-7249.
On-site registration will not be available.
OTHER EVENTS:INTERSERVICE CHESS CHAMPIONSHIPS
Naval Station Great Lakes, IllinoisAugust 2010
NATO CHESS CHAMPIONSHIPSKoge, Denmark
18 - 22 October 2010
FOR MORE INFORMATION AND TO APPLY, go to www.armymwr.com/recleisure/community_rec_centers_chess.aspx or call 703-681-7204, DSN 761-7204
APCA Display and 4 Pop-upsAPCA Rack Card
Festival of the Arts Book
All Sports Pen Promo
WCAP Ads
&
World Class Athlete Program (WCAP)8’ x 8’ • Collage Display
Pop - Counter
World Class Athlete Program (WCAP)8’ x 8’ • Collage Display
Pop - Counter
The Armyʼs World Class Athlete
Program (WCAP) Paralympic
Program strives to enhance the
rehabilitation, readiness and
quality of life for injured Soldiers
by providing top training to
compete and succeed in national
and international competitions
and the Paralympic games.
Contact the World Class Athlete Program
today if you or someone you know has what it
takes to be an Army Paralympian. To see a
full list of Paralympic Sports, visit WCAP on
the web.
www.armywcap.com719.526.3908
Paralympic Ad
WCAP Popup Display and Counter
Social Media Digital Ad
Army Athletes Twitter Pg Image
Cross Account Posters16’ x 4’ - IMCOM Conference Banner (1 of 4 Core Competencies)
Set up of oversized materials:Set up the file at 1/3 of the final size the photos used should be at 300dpi
(Yes, at the 1/3 size). Check with vendor on whether to use
RGB or CMYK
20’ x 10’ Display - Association of the Promotions of Campus Activities (APCA)
Army Family Covenant Truck wrap
Video Presentation