1. The Benefits of a Fixed Index Annuity

2.  The Benefits of a Fixed Index Annuity  What others think about Fixed Index Annuities  How they work  Companies

3. We have found that there are basically three issues of importance when a person invests money: Tell me, in order of importance, what you think they are?

4. Safety Returns Liquidity

5. 2008 Bond Returns: High Yield Bond Funds - 23.18% Government Bond Funds -0.51% Corporate Bond Funds -7.47% Municipal Bond Funds -5.51%

6. From 5/03/2011 to 8/10/2011 t he Dow dropped 16% ! Bond Values between 8/31/10 and 12/15/10... iShares Barclays 20+ Year Treasury (TLT) -15.1% Vanguard Extended Duration Treasury ETF (EDV): - 23.4 % Market Instability Continues to be the Norm - Market Instability Continues to be the Norm -

7. Just imagine: Investors lost nearly a quarter of their money in less than four months in what many believe to be the world's safest investment — U.S. Treasury Bonds. QUESTION: Do Bonds or Bond Funds have the potential to increase in value, in today’s interest rate environment? * Money and Markets Archive Dec 23 rd 2010 Today’s Bond Market

8. The market has averaged a downturn once every four years! In the past 56 years (1954 – 2012) it has had 14 down cycles. From 2000 to 2013 the S&P has had NO GROWTH! Look at the number of down years since 2000. Trying to grow your money in the Market without a Safety Net is Risky.

9. We have seen 40% downturns so how long will it take to recover from a 50% loss if it comes? Keep in mind, you will need 100% in gains to recover from a 50% loss!

10. 200,000 -40% 32,400 -80,000 -12,000 108,000 1 st year Income +30% 2 nd year Income 128,400 -38,520 31,152 3 rd year Income -12,000 -30% 77,880 +40% 4 th year Income -12,000 97,032 Let’s Talk About Distribution Example of how an up and down market with income withdrawals can effect the growth or recovery on your retirement account where a FIA is NOT used. This hypothetical non FIA account is down $103,000. How much of that did you get to spend? You only took out 48,000 in 4 years but the account is down a lot more than 48,000.

11. Choosing the right Retirement Vehicle for retirement can be difficult... - No Risk - On one hand, you want the safety and guarantee of principal and past earnings. In the past, Retirement Savers had to make a decision on which hand to choose from… - Has Risk - On the other hand, most people prefer the potential of higher returns by being linked to the market, a return that a fixed rate investment cannot offer.

12. ...That was then, this is NOW! Now you can have the best of both worlds! Guarantee of principal with a minimum interest rate guarantee. AND The potential to participate in stock market-linked growth.

13. $136,937 02’ 08’ 100K 90K 80K 110K 120K 140K 130K 98’ 99’00’ 01’ 03’04’ 05’ 06’ 07’ 150K 160K 09’ $125,080 $78,869 $111,033 $145,542 $156,857 $100,770 $99,228 $146,853 S & P 500Index Credits Min. Guaranteed Contract Value 10’ $160,747 $108,789 170K 11’ $171,388 $107,857 $105,000 This line represents what it would have done in the income account if it would have had a Guaranteed Lifetime Income Rider that is now available with some annuities… 5% Bonus with 4% MINIMUM roll up on Income Account for income planning purposes; Some products have even higher bonus and/or roll up rates. This line represents what it would have done in the income account if it would have had a Guaranteed Lifetime Income Rider that is now available with some annuities… 5% Bonus with 4% MINIMUM roll up on Income Account for income planning purposes; Some products have even higher bonus and/or roll up rates. $174,832

14. Federal Reserve Chairman Ben Bernanke has a majority of his liquid wealth - between $1 million and $2 million - invested in annuities … 22,000 Fed. Reserve Employees, have 75 percent of their assets - that's $3.2 billion, invested exclusively in annuity contracts… Federal Employees have followed Uncle Ben in choosing Annuities vs. traditionally held investments. Research done by - Barry Dykes June 19, 2009 Article in Medical Economics Ben Bernanke

15. It was created to compete with very popular index funds, mutual funds that track a stock market index. I have to admit I like the concept – Pg 511 If you do not want to take any risks but still want to play the stock market, a good index annuity may be right for you. Pg. 513 Suze Orman THE ROAD TO WEALTH

16. A Fixed Index Annuity allows you to take advantage of market-type growth without the potential of any market-type loss. In contrast to a stock or mutual fund vehicle where the investor bears the market risk, the Fixed Index Annuity design insulates you from the results of a market downturn. The Benefits of a Fixed Index Annuity Potential of Stock Market Linked Growth

17. Safety, Guarantees, and Growth Potential An Fixed Index Annuity (FIA) provides you with all of the best features of a traditional fixed annuity ; Plus gains linked to a stock-market Index. Guarantee of Principal Minimum Interest Guarantee The Power of Tax Deferral Potential of Stock-Market Linked Growth The Benefits of an Fixed Index Annuity

18. There are basically three things that will cause you to run out of money -

19.  Easy to Manage  Guaranteed Minimum Returns  Share in Market Gains but not the losses  Lifetime income stream for you and your spouse  No management or basic policy fee (fee possible with Income Riders)  401k, IRA, ROTH IRA, etc.: Roll-over eligible  Tax Deferral and Social Security Taxation Benefits  Hedge against health related costs: Income and Assets  Legacy Planning: Can avoid Probate