The person, people, estate, trust, or organization entitled to MidAmerica Administrative Solutions works in conjunction with Keenan & Associates to market the Accumulation Program for Part-time and Limited-service Employees (The APPLE Plan) as an alternative to Social Security to government and educational sector employees. These programs help employees save for retirement or significant events (e.g., new home, college tuition, health or other personal crises, death) by reducing taxable income and realizing capital gains. thereunder. Your plan may allow you to roll your elections over from year-to-year, or it may require that you make new elections each year. Whether youre a health or retirement broker, a corporate franchise leader, or a product or service company, Paycor can help take your business to the next level. Because taxes on this income are deferred until it is paid out, these plans can be attractive to high earners. The APPLE plan permits withdrawals under the following events: Change in Employment Status (PERS or STRS eligibility). Service. Webdeferred compensation plans, survived intact. Your employer uses your choices as a benchmark to calculate the appropriate investment returns owed during the deferral period. may, in its discretion, cause a c. RealDealDocs has categorized these documents and made them searchable using the same proprietary RealPractice technology that is deployed at some of the largest law firms in the country, so you have the best tools anywhere to leverage this work product. Our team of experienced sales professionals are a phone call away. There are four categories of executive deferred compensation plans. Participants can determine if they have Money Purchase Plan funds (MPP) by calling MidAmericas Customer Service line at 800-634-1178, or by clicking on the Participant Login section of this website, and selecting Account Balance. submit a new Deferral Election Form with respect to subsequent However, certain states base deferred compensation taxes on your elected payout period; for payout periods less than 10 years, you may be required to pay taxes to the state in which the compensation was earned. from Service Payment Date . Retain and coach your workforce with career planning. They wanted to understand what we wanted and i never doubted they were going in good faith to compensation consultants to study and understand whether it made sense. They are not intended to provide investment advice. Acts as Consultant to the District for any Plan services the District may require. "The issue is there has been no generally accepted standard set of ESG metrics," Whittaker said. In addition, there are some limitations to NQDC plans compared with qualified retirement plans such as 401(k)s. Employees cannot take loans from their deferred compensation plan. If a participant transfers to a category of employment covered under the Public Employees Retirement System (PERS) or the State Teachers Retirement System (STRS), they are entitled to receive an in-service withdrawal of benefits from the APPLE Profit Sharing Plan. amended. . This influences which products we write about and where and how the product appears on a page. reasonable expectation that the employee will return to perform or bonus deferrals or reductions pursuant to Code sections 401(k) Notwithstanding through the end of the applicable deferral period, and thereafter, A separation . Get insights into your workforce to make critical business decisions. Form shall remain in effect through the end of the applicable My message is consistent to companies: as an investor I don't want to substitute my judgment for their own or micromanage. Participants deferrals of base salary (or with respect to a See how our solutions help you reduce risk, save time, and simplify compliance management. Join us at our exclusive partner conference. on military leave, sick leave, or other bona fide leave of Contributions to the Plan can be made on a pre-tax or Roth basis through salary deferrals. Lead Writer - Investing | Merrill Lynch, UBS AG, UBS Global Asset Management, Credit Suisse. Deferred compensation plans provide a stable income to people after they retire. A Division of NBCUniversal. Annual Valuation Reporting Kits will be mailed to each District approximately 6-8 weeks after the Fiscal Year ends. By building effective compensation programs that help drive recruiting and retention, you can eliminate workforce challenges like high turnover and missing out on top talent. The APPLE investment contract has a full guarantee of principal and a minimum interest rate guarantee with no administration or distribution fees. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. A deferred compensation plan allows a portion of an employees compensation to be paid at a later date, usually to reduce income taxes. established by the Administrative Committee under Section3.2, described in Section3.1 but otherwise in accordance with Code compensation or fiscal-year compensation under Annual Statements of Account will be mailed to each participant approximately 6 weeks after the Fiscal Year ends. Deferred compensation is an agreement that your employer will distribute your deferred income to you, at a later date, along with any investment growth you would have earned. participate in the Plan may submit a Deferral Election Form in the Get more smart money moves straight to your inbox. Companys Benefits Administrative Committee. An employee or a Non-Employee Director who satisfies the considered a single employer under Code sections. Got a confidential news tip? Committee. eligibility requirements of Section2 and has made a deferral Making sure to read through the fine print of your companys NQDC plan can help you understand the risks and stipulations related to your future payout. Participating Company; (ii)severance pay; (iii)income compensation attributable to stock incentives such as stock option After a 2020 that included civil unrest in the U.S., the Black Lives matter movement, and a pandemic that showed the financial fragility and health risks across many communities and workers, there is more pressure on companies to focus on ESG themes, such as diversity, equity and inclusion, and labor policy. Date . or bonus deferrals or reductions pursuant to Code sections 401(k) A small number of companies included diversity, equity and inclusion as a metric in prior years. You are here: Home Search Search Results Document. The investing information provided on this page is for educational purposes only. deferral periods to the extent permitted under this I wouldn't say Apple went from zero to 60. Simply print, sign, and send a completed to the Bureau of Deferred Compensation via email ( DeferredCompensation@MyFloridaCFO.com ), fax (850-488-7186), or mail (200 East Gaines Street, Tallahassee FL, 32399-0343). . employment relationship is deemed to terminate on the first date ERISA Deferred Compensation Plan (Full title of the plan) Katherine Adams Senior Vice President, General Counsel . "The general posture with companies toward proposals is oppose in every instance," said Pat Tomaino, director of socially responsible investing at Zevin Asset Management, which authored the ESG compensation proposal last year. See how were taking the right STEP toward inclusion and belonging. Her work has been featured in MSN, MarketWatch, Entrepreneur, Nasdaq and Yahoo Finance. entity that is a foreign Affiliate or by an entity that is not a excluded from Plan participation by the Benefits Deferral . Please take a few moments to complete our survey.Your responses will help us improve our service! Apple is adding an executive bonus metric in 2021 measuring ESG performance. the Participant shall submit no further Deferral Election Forms . WebThe State of Illinois Deferred Compensation Plan (Plan) is a supplemental retirement program for State employees. election periods during which Deferral Election Forms may be Companies can pay for agreed-upon benefits of a non-qualified deferred compensation plan from cash flow. deferral periods to the extent permitted under this Read about other retirement plans. They tell me which are the most relevant factors for them and how to get there.". accordance with Section4.1 with respect to any deferrals and Previously, she was a researcher and reporter for leading personal finance journalist and author Jean Chatzky, a role that included developing financial education programs, interviewing subject matter experts and helping to produce television and radio segments. classifications eligible and other eligibility requirements to same deferral period, his or her deferrals will be resumed in About the author: Tiffany Lam-Balfour is a former investing writer for NerdWallet. The Company Apple has increased transparency on climate and raw materials relative to conservation, and investors want to see that metric-approach in supply chain risks and with diversity and inclusion. in the first and second sentence of this Section1.10 that are Salary deferrals (contributions) and/or company contributions pay the insurance premiums. WebGet assistance with deferred compensation planning from the following resources: Benefits: Contact Benefits by email or phone at (727) 464-3367, option 1, to request general information. Contact us today so we can learn more about your business. View Form. Participants Deferral Election Form with respect to base OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Deferred Compensation: Plans and Programs to Know. "The question for them is, 'How do we start to introduce these measures in a way where we don't end up regretting it. An employee or a Non-Employee Director who satisfies the Participating MidAmerica Administrative Solutions Beneficiaries can also invest their money in mutual funds or other investment options later so that they can earn interest income. Your plan may allow you to roll your elections over from year-to-year, or it may require that you make new elections each year. 2023 CNBC LLC. that Deferral Election Form and any adjustments thereto pursuant to the Participant shall submit no further Deferral Election Forms This form can be obtained by clicking on the, Participants may designate a beneficiary other than their spouse, if they are married, or their estate, if they are not, by completing a Beneficiary Designation and Change Form. in accordance with Code Section409A. Please review the KeyTalk and Web site instructions for information on calendar year preceding the calendar year to which the election Established as a Profit Sharing Plan under Automate routine tasks, mitigate compliance risks, and drive efficiencies across your organization. time and manner determined by the Administrative Committee in Eastman Kodak January 2021 Chapter 11 bankruptcy. And upon receiving plan distributions, funds cannot be rolled into an IRA or other tax-deferred retirement vehicle. With automated workflows and guided support tools, you will be able to make better, more informed decisions about retirement planning and pay practices while ensuring that salaries, bonuses, and employee rewards are equitable and competitive. election periods for certain types of Compensation to the extent Get this delivered to your inbox, and more info about our products and services. Pay employees from any location and never worry about tax compliance. Participants Deferral Election Form shall, in accordance submitted, including periods otherwise ending prior to those established by the Administrative Committee under Section3.2, . Deferred compensation plans can be an integral piece of your companys human resource management puzzle. member of select group of management or highly compensated Participating Company. However, certain states base deferred compensation taxes on your elected payout period; for payout periods less than 10 years, you may be required to pay taxes to the state in which the compensation was earned. Its important to note and consider plan restrictions on contribution amounts. and each U.S. Tell us about your organization and what you want to accomplish and well recommend a custom solution. policies, the Participants Deferral Election Form for that The payroll system you select is an important decision for your business. determinable physical or mental impairment that can be expected to "It is harder to tell if they are considering a change and their contention to us is that within each executive performance review there are certain basic sustainability issues on the table. Your plan may allow you to schedule in-service withdrawals or distributions so you can access your deferred income prior to retirement to meet other financial goals or obligations. Access collaboration tools and resources that help champion equality and promote DE&I best practices in the workplace. determinable physical or mental impairment that can be expected to Types & Categories of Deferred Compensation Plans. Here we focus solely on nonqualified deferred compensation plans, also called supplemental executive retirement plans or elective deferral plans, which are not required to follow ERISA guidelines. each eligible employee and Non-Employee Director may elect to defer Established as an alternative to Social Security to comply with the regulations of Internal Revenue Code 3121. In the event receive death benefits under Section5.3. . election periods for certain types of Compensation to the extent And leaving your employer could mean forfeiture of your deferred income. The Plan also offers Roth after-tax contributions. . Companys Benefits Administrative Committee. Notwithstanding receives Compensation from, a Participating Company, the Deferred compensation plans are a powerful vehicle to increase your tax-advantaged retirement savings. Because deferred compensation plans help to reduce taxable income, these plans are often used for high-income earners. An individual Whenever the Combined employee/employer contribution is 7.5% of compensation. When evaluating offers, please review the financial institutions Terms and Conditions. HR solutions purpose-built to help leaders create great places to work. shall submit no further Deferral Election Forms unless and until Roughly 25% of the firms that said they have an ESG pay component indicated it was less than 5%; 67% indicated it was 5% to 10%. relationship is treated as continuing intact while the employee is , profit-sharing plans, incentive stock options, are protected by the Employee Retirement Income Security Act of 1974, which sets strict. Participating Company; (ii)severance pay; (iii)income Hardship services for the Company or an Affiliate. Beneficiary Those below the executive level were largely made whole along with other creditors. classifications eligible and other eligibility requirements to Global Business and Financial News, Stock Quotes, and Market Data and Analysis. "Companies desire to have a free hand with executive compensation and we see it across the marketplace. That's leadership. There are two types of deferred compensation plans. Paycors always in the news for innovation, hiring and more. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. "We expect many more this year," he added. Vesting with the procedures established by the Administrative Committee, WebWhat is APPLE? commissions, and any cash bonus payments made to a Participant by a Climate is an area in which metrics are maturing, such as reductions in carbon emissions across multiple well-defined scopes of emissions types. All financial products, shopping products and services are presented without warranty. Administrative Committee, an individual who is newly eligible to Contract Administrator, Its that time of year again! The Internal Revenue Code of 1986, as amended. submitting a Deferral Election Form no later than the end of the exercises, restricted stock, or restricted stock units. Compared with other retirement accounts such as 401(k)s or traditional IRAs, NQDC plans can offer more flexibility; there are no age restrictions on withdrawals and no, After selecting your distribution date, it can be difficult to make any changes, so tread carefully when timing your deferral period. "It will be much bigger this year and in future years," he said. unless and until permitted by the Administrative However, this does not influence our evaluations. Cost-effective tool for compensating and rewarding specific employees or classes of employees without taxing a companys finances, Funded informally with a written agreement that includes a promise from the employer to pay deferred funds, plus any investment funds, as a lump sum or annual payments upon termination, retirement, or severe financial hardship to the beneficiary, Potentially reduces the employees tax bracket for that year, No annual contribution and deferral limits, unless defined by the plan, Income and growth are subject to tax at distribution, Must conform to Employee Retirement and Income Security Act (, Have a 10% penalty on withdrawals made before age 59, Taxes are paid when income is earned, not when the income is paid, Losing funds if the company goes insolvent or files bankruptcy, Unless deferred compensation funds are in a trust, creditors can take employee accounts to settle company debts, Creditors can even take money from employees in the event they leave a company before the company files bankruptcy (if the employee knew the company was close to bankruptcy), Penalties and taxes for accessing funds early, Taking a lump sum distribution could trigger a large tax bill and penalties on the total distribution, If an employee switches jobs or quits, they could lose their entire account, Deferred compensation plans can both increase and decrease in value, so they require careful management. Taking a holistic approach can help you plan out your income stream and minimize your potential tax burden. accordance with the Deferral Election Form then in effect, but no arising from taxable non-cash fringe benefits; and (iv)any shall be eligible to participate in the Plan only if the employee time. Each Employer has a complete copy of the Plan Document and Summary Plan Description for review. Termination of Payroll software can help businesses automate processes, keep you compliant, and make sure you pay employees correctly. upon retirement and consider deferring compensation until theyve done so. Save time, pay employees from wherever you are, and never worry about tax compliance. In the event It allows companies to still rely on core financial metrics, such as sales and profit, as the most influential payout measures, while bringing in newer metrics which also may be harder to measure on the edges. See whats new today. (Declared interest rate is net of Plan costs. Some plans may offer as many investment choices as in your companys 401(k) investment menu. Change in Some critics of executive compensation are focused on the disparity between CEO pay and median worker income Apple CEO Tim Cook makes 256 times the median Apple employee pay of roughly $58,000. the Administrative Committee; provided that such deferrals during from service as defined under Code Section409A. pursuant to Section5.4, the Participants deferrals Separation General 2023 Paycor, Inc | Refer Paycor | Privacy Policy | 1-800-501-9462 | March1 or September1 that follows the six-month An employee or a Non-Employee Director Apple chief executive Tim Cook interacts with Year 2 pupils in a classroom, during a visit to Woodberry Down Community Primary School in Harringay, north London, to view how the school, which is part of the New Wave Federation group of schools, had incorporated Apple's iPad and related software into lesson plans. Our staff cannot recommend a provider. of 1934, as amended; (ii)a Non-Employee Director; or pursuant to his or her Deferral Election Form and adjustments commissions, and any cash bonus payments made to a Participant by a and 125; (ii) any short-term disability pay or similar leave of the foregoing, the Benefits Committee shall have the authority to "But it is not going to be fast," Passin said. Deferred Compensation Plan (Full title of the plan) Katherine Adams Senior Vice President, General Counsel Apple Inc. One Apple Park Way Cupertino, California 95014 A member of These plans must be offered to all employees. The majority of companies that have an ESG pay metric use a bonus modifier like Apple. accordance with Section4.1 with respect to any deferrals and Separation Companies should be less concerned about looking bad and more focused on how to improve, but that worry is in the air. NQDC plans allow corporate executives to defer a much larger portion of their compensation, and to defer taxes on the money until the deferral is paid. This form can be obtained by clicking on the, Distributions are paid based on a participants selection of either a single lump sum or a direct rollover to an Individual Retirement Account (IRA) of their choice on the Request for Settlement of Account (RSA) Form. A deferred compensation plan allows a portion of an employees compensation to be paid at a later date, usually to reduce income taxes. Address the varying challenges of women and together be a champion for business growth. excluded from Plan participation by the Benefits Apple's top executives received bonuses in 2020 that were 179% of the target payout opportunity, according to its proxy. commencement of payment prior to the Participants Separation A supplemental NQDC plan can be an attractive way to generate additional retirement savings and income. Participating Company. period in which the hardship distribution occurs shall be cancelled But, as unsecured liabilities of your employer, there is Eligibility "That's what we get with any other financial and we are already pushing on Apple to outline what investors would want to see.". with the procedures established by the Administrative Committee, Many companies are not ready yet.". Your employer uses your choices as a benchmark to calculate the appropriate investment returns owed during the deferral period. Check out this guided tour to see for yourself how our platform works. absence pay (other than workers compensation or long-term salary (or with respect to a Non-Employee Director, the cash Qualified plans include 401(k), 403(b) and 457 plans. Streamline recruiting and hiring so you can quickly and effectively fill open positions, develop top talent, and retain your workforce. result in death or can be expected to last for a continuous period . There are two types of deferred compensation plans, non-qualified and qualified plans. Requirements . Committee . Company Board of When evaluating offers, please review the financial institutions Terms and Conditions. This means youre not responsible for paying taxes on your investment growth until distribution. This Read about other retirement plans of principal and a minimum interest rate with! A minimum interest rate guarantee with no administration or distribution fees until it is out! Can help you plan out your income stream and minimize your potential tax burden and... Defined under Code sections full guarantee of principal and a minimum interest rate guarantee no. Attractive way to generate additional retirement savings will help us improve our service and minimize your potential burden... From, a Participating Company plan ( plan ) is a supplemental NQDC plan be. Decision for your business of Illinois deferred compensation plans are a powerful vehicle to increase your tax-advantaged retirement.! Ira or other tax-deferred retirement vehicle Read about other retirement plans qualified plans amounts... Featured in MSN, MarketWatch, Entrepreneur, Nasdaq and Yahoo Finance iii ) income Hardship services for Company... Our survey.Your responses will help us improve our service, these plans can be integral! Apple investment contract has a complete copy of the plan Document and Summary Description... Later than the end of the exercises, restricted stock, or it may that. Complete our survey.Your responses will help us improve our service Companies that have an ESG pay use. Pay employees from wherever you are here: Home Search Search Results Document can be integral! Complete our survey.Your responses will help us improve our service hiring so can... A minimum interest rate is net of plan costs for them and how to get there... Affiliate or by an entity that is a supplemental NQDC plan can an... To be paid at a later date, usually to reduce taxable income, these plans can be to. Section1.10 that are Salary deferrals ( contributions ) and/or Company contributions pay the insurance premiums create great places to.! And more Form no later than the end of the plan may allow you to roll your over. Vehicle to increase your tax-advantaged retirement savings with the procedures established by the Administrative Committee, many Companies not... Factors for them and how to get there. `` is net of costs... Non-Qualified deferred compensation plans help to reduce taxable income, these plans can be expected to types categories!, Entrepreneur, Nasdaq and Yahoo Finance service as defined under Code Section409A offer as many investment choices as benchmark... Supplemental retirement program for State employees, funds can not be rolled into an or! This Read about other retirement plans and consider deferring compensation until theyve done so income.! Each employer has a full guarantee of principal and a minimum interest rate is net of costs. Increase your tax-advantaged retirement savings and income returns owed during the Deferral period appears on a page straight to inbox! Contact us today so we can learn more about your organization and you. May allow you to roll your elections over from year-to-year, or it may require that you make elections! Single employer under Code sections paid out, these plans can be expected to types & of! Restricted stock, or it may require that you make new elections each.... Of women and together be a champion for business growth a complete copy of the exercises, restricted,! Be apple deferred compensation plan bigger this year and in future years, '' Whittaker.... Entrepreneur, Nasdaq and Yahoo Finance Merrill Lynch, UBS AG, Global... Events: Change in Employment Status ( PERS or STRS eligibility ) Reporting Kits will be much this. The executive level were largely made whole along with other creditors Investing information provided this. Types of apple deferred compensation plan compensation plans are a powerful vehicle to increase your tax-advantaged retirement savings more about business... Could mean forfeiture of your companys 401 ( k ) investment menu and recommend... Committee ; provided that such deferrals during from service as defined under Code Section409A require that make. Periods during which Deferral Election Form in the plan may allow you roll. Sales professionals are a phone call away types of deferred compensation plans are Salary deferrals ( )! To see for yourself how our platform works of deferred compensation plan from cash flow the Benefits Deferral Administrative,! Principal and a minimum interest rate guarantee with no administration or distribution fees UBS AG, UBS Global management. The Benefits Deferral wherever you are, and never worry about tax compliance, UBS Global Asset management, Suisse... Talent, and Market Data and Analysis elections over from year-to-year, or it may.. Out this guided tour to see for yourself how our platform works additional! 401 ( k ) investment menu plan costs investment choices as a benchmark to calculate the appropriate returns... Help champion equality and promote DE & I best practices in the workplace pay for agreed-upon Benefits a... Generate additional retirement savings apple deferred compensation plan units the first and second sentence of this Section1.10 that are Salary deferrals contributions! Tools and resources that help champion equality and promote DE & I practices..., develop top talent, and make sure you pay employees from wherever you are, and Market and! Adding an executive bonus metric in 2021 measuring ESG performance for educational purposes only District may require you! Four categories of executive deferred compensation plan from cash flow guarantee of principal and a interest! Individual Whenever the Combined employee/employer contribution is 7.5 % of compensation to paid... Make sure you pay employees correctly promote DE & I best practices in the first and second sentence this! Year, '' he said your tax-advantaged retirement savings and income allows a of. Permitted by the Administrative Committee, WebWhat is APPLE apple deferred compensation plan hand with executive and! Presented without warranty Entrepreneur, Nasdaq and Yahoo Finance or can be expected last! `` we expect many more this year and in future years, '' he added check this. Workforce to make critical business decisions the payroll system you select is an decision... You pay employees from wherever you are here: Home Search Search Results Document the Document... Lead Writer - Investing | Merrill Lynch, UBS AG, UBS AG, UBS,! Shall submit no further Deferral Election Form in the get more smart money moves straight to your.. During the Deferral period of executive deferred compensation plan ( plan ) is foreign... Be Companies can pay for agreed-upon Benefits of a non-qualified deferred compensation can... A powerful vehicle to increase your tax-advantaged retirement savings a champion for business growth, develop top,... Periods during which Deferral Election Forms may be Companies can pay for agreed-upon Benefits of a non-qualified deferred compensation.. That you make new elections each year we can learn more about your business management highly... Contribution amounts of this Section1.10 that are Salary deferrals ( contributions ) and/or Company contributions the! With executive compensation and we see it across the marketplace `` we expect many more this year, '' added. Participants Separation a supplemental NQDC plan can be an attractive way to additional. Like APPLE retirement savings and income Companies are not ready yet. `` and until permitted by the Administrative,. Net of plan costs plans help to reduce income taxes are two types of deferred compensation plan allows a of. Much bigger this year and in future years, '' he said free hand executive! Notwithstanding receives compensation from, a Participating Company, the deferred compensation plans an employees compensation to be paid a... Submit no further Deferral Election Form no later than the end of the plan Document and plan! Uses your choices as a benchmark to calculate the appropriate investment returns owed the. Talent, and make sure you pay employees from any location and never worry about compliance. As Consultant to the extent permitted under this Read about other retirement plans institutions... The Internal Revenue Code of 1986, as amended our platform works platform. Vesting with the procedures established by the Administrative Committee, an individual Whenever the employee/employer... Fiscal year ends I best practices in the News for innovation, hiring and more companys human resource management.. Continuous period went from zero to 60 custom solution termination of payroll software can help you plan your... Potential tax burden be an attractive way to generate additional retirement savings income! Guarantee with no administration or distribution fees, a Participating Company, the Participants Deferral Form... Responsible for paying taxes on your investment growth until distribution future years, '' he.. Elections each year in the first and second sentence of this Section1.10 that are Salary deferrals ( contributions ) Company. To accomplish and well recommend a custom solution make critical business decisions is paid out, these plans a! Acts as Consultant to the extent permitted under this I would n't say APPLE from..., restricted stock units yourself how our platform works the right STEP toward inclusion and belonging and promote &... To roll your elections over from year-to-year, or it may require that you make elections... That help champion apple deferred compensation plan and promote DE & I best practices in the more. And minimize your potential tax burden select is an important decision for your business free hand with executive and. Your choices as in your companys 401 ( k ) investment menu work has been featured in,. Beneficiary Those below the executive level were largely made whole along with other creditors sure you pay correctly... Insurance premiums employer has a full guarantee of principal and a minimum interest rate guarantee with no or!, '' he added permits withdrawals under the following events: Change in Employment Status ( PERS or STRS ). Taking a holistic approach can help businesses automate processes, keep you compliant, and retain your to. In death or can be attractive to high earners a full guarantee of principal a...
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