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The Sources Of Financial Stress: How To Help Your Clients Cope

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How To Make The Best Use Of Higher Retirement Plan Contribution Limits

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SFR Program


Designed specifically for employers, the SFR Program is a group retirement plan that provides flexible plan administration, complete customer service, a risk-management program, as well as comprehensive participant education, guidance and advice. The program provides employers the ability to offer their employees a variety of mutual fund choices and a "Fixed Account" option.


Employers will receive a comprehensive retirement plan solution from a single provider.


  • Provides a multi-manager mutual fund platform of investments
  • Offers the flexibility of bundled or unbundled plan administration
  • Complete customer service backed by state-of-the-art technology
  • More than 50 investment options
  • A Fixed Account Option that offers a declared interest rate instead of volatile market returns1


The SFR Program provides you the comprehensive participant education, guidance and advice you need to help you compete for new employer retirement plans.


  • PlanTools™ Risk Management System provides third-party confirmation that you are making decisions consistent with a sound investment-compliance program
  • A Quarterly Monitor Report that keeps an up-to-date list of the status of the plan's investments
  • Provides a streamlined enrollment kit for participants


The program is designed to support a variety of different types of employer retirement plans including both NON-ERISA. The SFR Program can support the following tax codes:


  • 401(a)
  • 401(k) (including owner-only 401(k))
  • 403(b)(7) (for school districts and other non-profit employers)
  • 457


Related Information

1The Fixed Account Option is a group unallocated fixed annuity contract issued by Security Benefit Life Insurance Company ("SBL"), policy form GV4586. The obligations under the Fixed Account option are guaranteed by SBL's General Account.


You should consider the investment objectives, risks, charges, and expenses of the mutual funds before investing. You may obtain prospectuses that contain this and other information about the mutual funds by calling our Service Center at 800.888.2461. You should read the prospectuses carefully before investing. Investing in mutual funds involves risk and there is no guarantee of investment results.


The SFR 401(k) and 401(a) Programs are Trust Accounts under §401 of the Internal Revenue Code. The SFR 403(b)(7) ERISA and NON-ERISA Programs are Custodial Accounts under §403(b)(7) of the Internal Revenue Code. The SFR 457 Governmental Program and the SFR 457 Top Hat Program are Trust Accounts under §457(g) of the Internal Revenue Code.



Services and securities are offered through Security Distributors. Security Distributors is a subsidiary of SBL and SBL is wholly owned by Security Benefit Corporation ("Security Benefit").