August 22-23 Ameristar Casino & Resort www.firstheartland.com/FHU2017

General Classification Accumulation-focused DB-focused Income-focused Level Income Increasing Income

Accumulation Only Without ROP: With ROP: The Standard Index Select Annuity 7 (5.25% Cap) Delaware Life Retirement Stages 7 (5.60% Cap) Symetra Edge Pro 7 (5.30% Cap) With ROP: Great American Safe Return (4.50% Cap) Delaware Life Retirement Stages 7 (Cost of 0.40%, 5.60% Cap)

Pure Death Benefit Oriented Great American American Valor 10: 7% Simple Rollup for up to 10 years 0.95% Fee Issue Ages 50-85 Pacific Life Index Foundation 10: 2% Rollup + Index Credits Compounded for up to 20 years 0.40% Fee Issue Ages 0-80 Nationwide New Heights 4% Compounded Rollup or Highest Daily (to Age 80 or 200% of Premium) 0.40% Issue Ages (0-75)

DB as Part of an Income Rider Allianz 222 (no rider fee): 15% FY Income/DB Enhancement + 50% Index Interest Bonus each year DB Paid out over 5 years Great American Income Sustainer Plus(1.35% Fee): 6% rollup credit for up to 12 years 5 Year wait F&G Prosperity Elite 10 with Protection Package (1.3% Fee): 5% Simple Rollup for up to 10 years, OR 18% Bonus Year1 + 6% Compounded for up to 10 years (A85 Max), if paid over 5 years or 10(if Age 71+)

Best Immediate Income FIAs Male 65, Single Payout, Max Level: North American Benefit Solutions 10 – 5.54% Allianz Core Income 7 – 5.5% Great American Custom 10 – 5.5% Male 65, Single Payout, Max Increasing: Allianz 360 – 4.5% Male 65, Female 65, Joint Payout, Max Level: Allianz Core Income 7 – 5% North American Benefits 10 – 4.97% Male 65, Female 65, Joint Increasing Payout: Allianz 360 – 4%

5-Year Wait FIAs Male 60, Single Payout, Max Level: NWL Impact 10 Income Outlook 5 – 7.495% Athene Ascent 10 Bonus Inc Rider – 7.36% Lincoln Optiblend 10 w/ LIB – 7.34% Male 60, Max Increasing Single Payout: Allianz Core Income 7 – 5.75% Male 60, Female 60, Max Joint Level: Lincoln OptiBlend 10 w/ Lifetime Inc. Edge – 6.7% Athene Ascent 10 Bonus Inc Rider – 6.56% Male 60, Female 60, Max Increasing Income: Allianz Core Income – 5.25%

10-Year Wait FIAs Male 55, Max Single Payout: Lincoln Optiblend 10 w/ LIB – 10.18% AIG Power 10 w/ Lifetime Inc Plus – 10% ANICO Strategy Idxd 10 w/ Lifetime Inc. – 9.84% Male 55, Max Increasing Payout: Athene Ascent 10 Bonus Inc. Rider – 7.52% Allianz 365i – 7% Male 55, Female 55, Max Joint Payout: Lincoln Optiblend 10 w/ LIE – 9.37% AIG Power 10 w/ Lifetime Inc. Plus – 9% Male 55, Female 55, Max Increasing Payout: Athene Ascent 10 Bonus Inc. Rider – 7.25% NACOLAH RetireChoice 10 w/ Inc. Pay Plus – 6.63%

Annuity Rate Watch Available for FREE on FHC website MYGA, FA & FIA Current Rates Commissions Company Ratings Sorting capability

Questions?