Skandia Life - Life Insurance
the American Skandia Life Assurance Corporation
American Skandia Life Assurance Corporation was established
in 1987, a new type of financial services company was created.
The company was founded upon the basic principle that innovative
and optimistic solutions were better than the status quo that
existed in the industry. The first revolutionary idea American
Skandia Life implemented was to change the nature of investment
products by introducing the concept of working with external
money managers so that American Skandia would remain completely
unbiased. This was a new idea for the industry, but one that
was eventually praised and imitated. Since then, American
Skandia Life continued to develop innovative ideas that have
caused industry insiders to stop and take notice. They lead
with great ideas and the others follow. It's been like that
since the beginning and continues today.
in Shelton, Connecticut
Skandia is a member company of Skandia Insurance Company,
than $36.34 billion in client assets (as reported on 2/5/00)
500,000 contract owners in the United States
and Poor's (A+), Duff and Phelps (AA-), and A.M. Best
are intended to reflect the financial strength or claims-paying
ability of American Skandia Life Assurance Corporation and
are not intended to reflect the investment performance or
financial strength of the variable accounts, which are subject
to market risk.
Skandia Insurance Company Ltd.
in 1855, Skandia has provided security for generations for
more than 140 years.
Headquarters in Stockholm, Sweden
Market Capitalization of $23.34 billion
More than 8 million policyholders
Offers financial services in 26 countries
Skandia Group of Companies is the 4th largest purchaser of
money management services in the world.
Products For Life
No matter where you are in life - just starting out, getting
married, starting a family, paying for education, retiring,
or planning for future generations - it's never too early
or too late to invest for the future. American Skandia's products
can help you to plan for any stage of your life. Their Variable
Annuities, Mutual Funds, Variable Life Insurance and Qualified
Plans each have features to help you plan for a variety of
Why is American Skandia Where to Invest?
100% independently advised
American Skandia Life don't manage a single penny themselves,
not even a money market fund, so they can be completely objective
and unbiased in our investment manager selections.
Active management of managers
American Skandia Life actively manage our investment managers
to make sure you always have access to some of the best available
vehicles for every life stage
American Skandia Life offer products that can provide solutions
for just about any investment need, each with a diverse platform
of investment options.
American Skandia Life supply in-depth unbiased information,
including an exclusive relationship with Morningstar, so you
and your advisor can make informed decision.
across asset and style classes
American Skandia Life bring world-class management in every
asset class and style box to give a complete set of tools
for asset allocation.
with financial professionals
American Skandia Life have a proven commitment to supporting
financial advisors with leading -edge products, services and
information so they can serve you more effectively.
American Skandia's Investment Managers Collectively:
over $1.7 trillion for clients
over 1, 350 professionals who follow in excess of 70,000
companies, covering the full range of market capitalizations
assets for one-fourth of the Dow Jones and Fortune 100
more than 23.5 million individual account holders.
over 725 years of combined investment experience
American Skandia Life's Variable Life
value credits, called Growth Accelerator
Money Managers 54 sub-accounts
Minimum Death Benefit
the case of premature death, life insurance can replace income
and savings that would have continued during your lifetime.
But life insurance can be much more than just a death benefit.
Life insurance can be part of an investment strategy to accumulate
Balancing the needs of today with the dreams
What is Financial Success?
Financial Success is different for everyone. In general, financial
success is having financial peace of mind. Providing you with
the security of knowing your goals for the future are within
reach. You have to be concerned with being protected from
unforeseen events, reducing your annual and ultimate tax burden,
and being able to preserve your wealth for personal enjoyment
and transfer to your loved ones. You need liquidity and options,
advice and information.
Few Americans cross the finish line financially independent
for retirement. Even with all the new financial products that
have been created in the last two decades, people are still
not retiring comfortably:
laws are constantly changing,
constantly erodes wealth, and
media often provides conflicting and misleading information
Success requires proper planning and positioning
Planning is a means of providing for financial security during
your lifetime and the transfer of assets after death. Its
time to begin a financial check-up with your financial professional
to assist you with positioning your assets based on their
intended use and their current and future tax liabilities.
Variable Life Insurance
You need options, advice and information. In today's complex
economic and personal environment, you want and need your
money to do more than just grow. You require a well thought
out long term strategy for retirement and wealth transfer.
You need product and tax strategies that make sense and don't
restrict growth across your entire portfolio. You need liquidity
and options, advice and information. You should consider variable
life insurance as a core portfolio holding.
Variable Life Insurance: It's not what it is, it's what
Individuals are wary of the use of life insurance for anything
but ultimate death protection. But what about positioning
Variable Life as an asset accumulation and wealth transfer
tool as well. Too often investors are unaware of the potential
of this unique life insurance product. Variable Life Insurance
offers unique investment flexibility, the opportunity to receive
significant downside protection from under performing assets
with guaranteed benefits on death, and the opportunity to
achieve tax deferred accumulation on your asset.
American Skandia has designed two Variable Life Insurance
products to provide the possibility for death benefit protection,
cash accumulation, estate liquidity, and wealth transfer to
meet your planning needs. Remember
dont plan to fail.
fail to plan.
control of your future - today!
Variable Life Insurance from American Skandia
An innovative leader
When American Skandia Life Assurance Corporation opened its
doors in 1987, their goal was to provide their clients, you,
with investment options and products, which helped them to
meet or exceed their lifes goals. American Skandia Life
value the responsibility of servicing you and are constantly
looking to improve and expand the products and services they
offer. In pursuit of this goal, they have launched their newest
product line, Variable Life Insurance. The living and death
benefits provided by Variable Life Insurance means not only
can you achieve tax-deferred accumulation and income tax-free
transfer at death, but also a way of planning for financial
security during your lifetime. You need options, advice and