Source: Federal reserve: Do You Know What This Is? 18% 16% 14% 12% 10% 8% 6% 4% 2% CD Rates (6/12/ /28/2013)

2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Do You Know What This Is? CD Rates Inflation (02/26/2010 – 06/28/2013) Source: Federal reserve:

$100,000 Purchasing Power CD Adjusted for Inflation and Taxes (02/26/2010 – 06/28/2013) $97,229 Source: Federal reserve:

Get the most return you can without risking your principle! Reduce your tax exposure where ever and when ever you can!

Bankrate.com 1.36% 5-Year CD 1.02% After Taxes (25%) Our Guaranteed Annuity Rate 2.85% 5-Year Annuity Tax Deferred Over 200% more interest

Assuming a 25% tax bracket

BenefitsAnnuityCD Tax-Deferred AccumulationYesNo Death Benefit (All charges waived, fully liquid)YesNo May Avoid ProbateYesNo Guaranteed Lifetime IncomeYesNo Annual Penalty Free WithdrawalsYesNo Safety & SecurityYes Tax Free 1035 ExchangesYesNo Tax Advantaged Income (Exclusion Ratio)YesNo Social Security Tax AdvantageYesNo No 1099s Until You Withdraw FundsYesNo Creditor ProtectionYesNo Totals111 Let’s Compare

Are you planning on using some of your assets to supplement your income needs in retirement? Another Solution to Consider

A Lifetime Income Strategy utilizing a Fixed Indexed Annuity combined with a powerful Lifetime Income Benefit

A Fixed Indexed Annuity (FIA) gives you the potential to exceed traditional fixed interest rates by linking your interest credits to the performance of an external market index.

Fixed Indexed Annuity If the market index rises Your money grows…tax-deferred START POINT Annuity Account Value Leading Market Index

Annuity Account Value Leading Market Index START POINT If the market index falls Your money is protected… Fixed Indexed Annuity

Annuity Account Value Leading Market Index START POINT As the market index recovers Your money grows… Fixed Indexed Annuity

Annuity Account Value Leading Market Index START POINT So what happens next year? Your values will either increase or stay the same … Fixed Indexed Annuity Your principal and past interest credits are always protected

Lifetime Income Strategy We have seen how Fixed Indexed Annuities accomplish the goal of exceeding traditional fixed interest rates by linking interest credits to the performance of an external market index. Now we will examine the power of Guaranteed Lifetime Income Only an annuity can provide Guaranteed Lifetime Income no matter how long you live.

Lifetime Income Strategy The Lifetime Income Benefit Rider (LIBR) allows you to take a lifetime income from your annuity without losing control of your retirement assets. When added to your Fixed Indexed Annuity, the LIBR creates a new account called the Income Account.

Lifetime Income Strategy The Income Account competes against your Fixed Indexed Annuity contract value providing you with a minimum guaranteed value you may draw from later for a guaranteed lifetime of income.

7 % Your Income Account is guaranteed to grow at 7% every year. Guaranteed! The Lifetime Income Benefit Rider

The LIBR Accumulation Period 7 % Example: $100,000 Income Account Value Guaranteed! Yr 10 Yr 15 $140,255 $196, ,903 Yr 5

The Lifetime Income Benefit Rider The cost of the rider is very reasonable. Your account value will be charged just 0.90% per year if you elect to add this benefit.

Beginning with $100,000 Growing the money for 5-years GUARANTEED LIFETIME INCOME TABLE Receiving Lifetime Income is Easy AgeGuaranteed Income 65$8,485 70$9,257 75$10,028 80$10,028

Beginning with $100,000 Growing the money for 10-years GUARANTEED LIFETIME INCOME TABLE Receiving Lifetime Income is Easy AgeGuaranteed Income 65$12,983 70$14,065 75$14,065 80$14,065

Lifetime Income Strategy Combining a Lifetime Income Strategy with a Fixed Indexed Annuity makes good sense. Prior to receiving income your money grows tax-deferred. While your current interest is linked to the movement of a market index, your past interest credits and principal are protected from market risk. Once you choose to take an income, you are assured a highly competitive annual income check for life. GUARANTEED!