可变递延年金-未来收入弹性
的 contract is set up so that you contribute money (by paying premiums) during various intervals over a number of years. 的 premiums you pay go into your choice of underlying stock and bond investment funds (called subaccounts) and/or a fixed account. Your rate of return – and t在这里fore the accumulated value of your premiums – depends on the performance of the underlying accounts you choose.
的 earnings within a 可变递延年金 are not subject to federal income tax until you withdraw your money.1 This allows the account value of the annuity to potentially grow larger than it would if the earnings were taxed each year. 这也意味着你可以将你的纳税义务分摊到你的收入支付期间. +, you may move your money between the underlying investment funds without federal income tax implications.
的 利息优惠计划 使您能够在股票和债券市场探索机会, 不用一次性拿出你的大部分退休储蓄.
当你决定将合同年金化时, 您可以选择接收固定或可变美元金额的应付款项, 或者两者的结合. 除了支付选项, 付款可以一次付清, 每月, 季度, 半年一次, 或者按年付款.
Please note effective September 27, 2008, State Farm® discontinued offering Variable Products. 的 State Farm Variable Products Processing area continues to service all existing 可变递延年金-Future Income Flex policies. 这包括每年$30,000的额外捐款*和转移/展期.
符合条件的计划- 50岁以下- 7,000美元. 50岁及以上——8000美元. 非税收合格计划-每个保单年$30,000. No contributions are allowed on Tax Sheltered Annuity/403b plans; current SEP plan contributions are lesser of 25% or limited to $69,000.
资源
详细的信息
披露的信息
投资前，应考虑基金的投资目标、风险、收费及开支. 联系 州立农场副总裁管理公司 (888-702-2307) for a prospectus containing this and other information. 仔细阅读.
证券, pp王者电子官网和年金产品不受FDICpp王者电子官网, 不是银行担保，有投资风险吗, 包括可能的本金损失.
可变年金是为退休目的而设计的长期投资.
利息优惠计划不保证盈利或防止损失.
可变年金有费用和收费，包括死亡和费用, 行政费用, 基金费用及可能包括退保费, 转帐处理费及额外存款附加费用.
过去的表现不能保证未来的结果.
州立农场副总裁管理公司. is a separate entity from those State Farm® and/or unaffiliated entities which provide banking and insurance products.
State Farm®及其代理均不提供税务或法律建议.
提款和分配应纳税所得额须缴纳普通所得税和, 如果是在59岁半之前, 可能要额外缴纳10%的联邦所得税罚款. Dividends and gain from other investments may be taxed at capital gains tax rates (which are usually lower than ordinary income tax rates). 的 gain portion of variable annuity death benefit proceeds is taxable as ordinary income.
国营农场vp管理公司业务连续性计划披露.
州立农场副总裁管理公司. has developed a 业务 Continuity Plan on how we will respond to events that significantly disrupt our business. 因为灾难和破坏的时间和影响是不可预测的, 我们必须灵活应对发生的实际事件. With that in mind, we are providing you with this information on our business continuity plan.
pg电子官方网页版 -如果在重大业务中断之后, 你不能像平时那样打1-888-702-2307pg电子官方网页版, you can contact your State Farm agent (registered representative) or you may contact another local registered State Farm agent, 或者你可以访问我们的网站hifiresupply.com®.
我们的业务连续性计划 – We plan to quickly recover and resume business operations as soon as possible after a significant business disruption and respond by safeguarding our 员工 and property, 进行财务和业务评估, 保护公司的账簿和记录, 并允许我们的客户进行交易. 简而言之, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, 鉴于重大业务中断的范围和严重性.
Our business continuity plan addresses: data back-up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, 员工, and regulators; alternate physical location of 员工; critical supplier, 承包商, bank and counter-party impact; regulatory reporting; and procedures to help ensure that our customers have prompt access to their funds and securities if we are unable to continue our business.
我们的业务连续性计划可能会被修订或修改. 如果有更改，更新的摘要将立即发布在我们的网站(statefarm)上.com®). 您可以写信给我们，以获取我们业务连续性计划的最新摘要:
投资策划服务
变量操作
P.O. 2307箱
布卢明顿，伊利诺伊州61702-2307
不同的中断 -重大业务中断的范围可能有所不同, 比如只有我们公司, 我们公司就在一栋楼里, 我们公司所在的商业区, 我们所在的城市, 或者整个地区. Within each of these areas, the severity of the disruption can also vary from minimal to severe. 只有我们公司或我们公司所在的大楼受到干扰, we may transfer our operations to a local site when needed and expect to recover and resume business within 1 business day. 在影响我们商业区的混乱中, 城市, 或地区, we will transfer our operations to a site outside of the affected area and expect to recover and resume business within 3 business days. 在任何情况下, 我们打算继续经营下去, 必要时转移操作, 并通过我们的网站statefarm通知你.Com®，或致电1-888-702-2307与我们联系. In the unlikely event that the significant business disruption is so severe that it prevents us from remaining in business, our plan provides procedures to help ensure that our customers have prompt access to their funds and securities.
在上述所有情况下, in light of the various types of disruptions that could take place and that every emergency poses unique problems, 在任何特定的中断期间，恢复运营可能需要更长的时间.
了解更多信息 – If you have questions about our business continuity planning, you can contact us at 1-888-702-2307.
1 A surrender charge may be deducted from a policy withdrawal or surrender made during the first seven policy years. 的 surrender charge is 7% in the first policy year and declines by 1% in each following policy year until it reaches 0% in the eighth policy year.
Guarantees are based on the claims-paying ability of the issuing State Farm life insurance company.
出具:
State Farm人寿pp王者电子官网公司(未在MA, NY或WI获得许可)
State Farm人寿及意外pp王者电子官网公司(在纽约州及威州持牌)
伊利诺斯州布卢明顿
State Farm (including State Farm Mutual 汽车mobile pp王者电子官网 Company and its subsidiaries and affiliates) is not responsible for, 不赞同或赞同, 隐式或显式, 从本页超链接的任何第三方网站的内容. 州立农业pp王者电子官网公司无权改变, 更新, 或控制超链接上的内容, 第三方网站. 访问第三方网站的风险由用户自行承担, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such 第三方网站s.
每个州立农场pp王者电子官网公司对自己的产品负有单独的财务责任.
州立农场副总裁管理公司.
(证券产品承销商及分销商)
一个州立农场广场
伊利诺伊州布卢明顿61710-0001
888-702-2307
可变递延年金系列97090,97090,A97040和A97090.
AP2023/09/0978