For Agent or Broker Use ONLY. Not for use with the general public. Index Annuity “Concerns” Long/High Surrender Charges Products Favor Agent, Not Client Limited Growth No Liquidity

For Agent or Broker Use ONLY. Not for use with the general public. INVESTMENTSSAVINGS Mutual Funds Bonds Variable Annuities Stocks CDs Money Markets Fixed Annuities T-Bills INDEX ANNUITY

For Agent or Broker Use ONLY. Not for use with the general public. INVESTMENTSSAVINGS Mutual Funds Bonds Variable Annuities Stocks INDEX ANNUITY

For Agent or Broker Use ONLY. Not for use with the general public. Fixed AnnuityIndexed Annuity

For Agent or Broker Use ONLY. Not for use with the general public. How Does Interest Get Credited? What to look for: Simple Crediting Method (How clients earn interest) Annual Reset Design (The reason to buy index annuities)

For Agent or Broker Use ONLY. Not for use with the general public. Understanding Index Annuity Crediting Methods Annual Reset – Point to Point with Cap Allows 100% Participation of Index Increase Up to a 6% Annual Cap.

For Agent or Broker Use ONLY. Not for use with the general public. Utilizing Index Annuities in Today’s Portfolio’s Correction Protection Fixed Income Alternative

For Agent or Broker Use ONLY. Not for use with the general public. 3 Year Hypothetical StartEnd6.00% Cap Account Value StartEnd6.00% Cap Account Value StartEnd6.00% Cap Account Value =10.00% Increase 6.00% Growth $106, =9.10% Loss 0% Growth $106, =4.00% Increase 4.00% Growth $110,240 S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Where Would You Be? YearS&P500* Interest Credited (6.00% Cap) Index Account Value % -38.5% +27.1% +12.6% +2.1% % 6.00% 3.8% 0.00% 6.00% 2.10% 6.00% $106,000 $110,028 $116,629 $123,627 $126,223 $133,579 If the market declines all 7 years, you walk away with your original deposit of $100,000 S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013www.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Now may be a great time to position an index annuity in your clients' portfolio. Why?

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection Consider a $500,000 client portfolio fully invested in the market in : $500, : $850,000 $500,000$350,000 S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the S&P500 index.

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 6.00% % % % 2017 Assuming a 7.00% per year bull market S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 2013: Assuming a 7.00% per year increasing market Correction Protection 2013: $850,000 $500,000$350,000 $655,398$441,866 $1,097,264 Fully Invested: $1,114,176 Correction Protection: $1,097,264 ($16,912) Fully Invested 2013: $850,000 $1,114,176 S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 0.00% % % % 2017 Assuming a 25% correction followed by 10.00% rebound years S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 2013: $850,000 $500,000$350,000 Assuming a 25% correction followed by 10.00% rebound years YearFully InvestedCorrection Protection Difference 2014$637,500$725,000$87, $701,250$783,500$82, $771,375$847,010$75, $848,512$915,980$67, : $850,000 $850,000 S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 6.00% % % % 2017 Assuming we grow another 10%, correct by 30%, rebound 10% per year following S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 2013: $850,000 $500,000$350,000 Assuming we grow another 10%, correct by 30%, rebound 10% per year following YearFully InvestedCorrection Protection Difference 2014$935,000$921,000($14,000) 2015$654,500$756,000$101, $719,950$816,760$96, $791,945$882,705$90, : $850,000 Assumed market returns are hypothetical and are not indications of future performance. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the hypothetical assumptions.

For Agent or Broker Use ONLY. Not for use with the general public. Fixed Income Alternative

For Agent or Broker Use ONLY. Not for use with the general public. Fixed Income Alternative Chart derived from on DWS GNMA A Load Waived, Intermediate Government, and Barclays US Agg Bond TR. Quote as of 08/14/2013www.Morningstar.com

For Agent or Broker Use ONLY. Not for use with the general public. Fixed Income Alternative Solution? Utilize systematic withdrawals from an index annuity as a fixed income alternative

For Agent or Broker Use ONLY. Not for use with the general public. Where Would You Be? Year Interest Credited (5.50% Cap) Index Account Value Year Beginning Value S&P500 Interest Credited Value Before Withdrawal WithdrawalEnding Value 2006$100, %6.00%$106,000$3,500$102, $102,2503.8% $105,370$3,500$101, $104, %0.00%$101,870$3,500$98, $101, %6.00%$104,272$3,500$100, $103, %6.00%$106,818$3,500$103, $105, % $105,488$3,500$101, $104, %6.00%$108,107$3,500$104,607 We are taking a 3.50% withdrawal(Coupon) each year YTM based on this time period: 4.39% S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the S&P500 index.

For Agent or Broker Use ONLY. Not for use with the general public. Where Would You Be? Year Interest Credited (5.50% Cap) Index Account Value Current 7 Year A Rated Bond 7 Years of Coupon Payments Purchase Price $108,468 $4,875 Par Value $100,000 ING FIA with Systematic Withdrawal 6.00% Cap, Purchase Price $108,468 $4,875 Account Value $109,151 7 Years of Withdrawals S&P500 returns were taken from Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the S&P500 index. A Rated corporate Bond quoted as of 8/14/2013 with a 7 year maturity non-callable HSBC bond from

For Agent or Broker Use ONLY. Not for use with the general public. Producers Choice Contact Information Phone: