An Indexed Annuity is a Fixed AnnuityIt retains all the benefits of a traditional fixed annuity:

•Your principal is guaranteed.•Your interest credits are guaranteed.•Your money grows tax-deferred.•You can receive a guaranteed income for life; no matter how long you live.

•You may avoid the costs and delays of probate by properly designating your beneficiaries.

•You have access to your money through penalty free withdrawal provisions (see policy for details).

The important difference between a traditional fixed annuity and an Equity Indexed Annuity is the way your interest is credited inside the plan.

How is an Indexed Annuity Different from a Traditional Fixed Annuity?

“A traditional fixed annuity credits your account with a stated interest rate each year, an Indexed Annuity links your

interest to the performance of a leading market index.”

Indexed Annuities can help you win the financial tug of war!

“I want the POTENTIAL to grow my money faster.”

• Investments • Mutual Funds• Bonds• Variable Annuities• Stocks

“I want the SAFETY of knowing my money is always protected.”

• Savings Accounts• Money Markets• CDs

Potential Safety

The Challenge:• Investments • Mutual Funds• Bonds• Variable Annuities• Stocks

RISK

The Challenge:

Savings Accounts• Money Markets• CDs

LOW YIELDS

Potential Safety

Indexed Annuities can help you win the financial tug of war!

An Indexed Annuity can benefit you by providing:

The POTENTIAL to grow your money without the risk normally associated with investments like • Mutual Funds• Bonds• Variable Annuities• Stocks

The SAFETY and protection similar to other savings vehicles such as• Savings Accounts• Money Markets• CDs

Potential Safety

Indexed Annuities give you the potential to exceed traditional fixed interest rates

without exposing your principal or past gains to market risk.

SafetyPotential

Indexed Annuity

The Indexed Annuity Basics

• You participate in any period of gain. If the market goes up, your money grows.

• You are protected from any period of loss. You get to sit the bad years out.

• All your gains are LOCKED in; they can never be taken from you.

• All gains compound TAX-DEFERRED.

Participate in any period with a gain.

If the market goes up – your money grows

Annuity Account Value

Monthly Average of the S&P 500 Index

START POINT

Don’t participate in any period with a loss.

In other words – you sit the bad years out

Annuity Account Value

Monthly Average of the S&P 500 Index

START POINT

Annuity Account Value

Monthly Average of the S&P 500 Index

START POINT

Gains are locked in each period

They can never be taken from you.

Annuity Account Value

Monthly Average of the S&P 500 Index

START POINT

• Participate In Any Period With A Gain

• Don’t Participate In Any Period With A Loss

• All Gains Are Locked In Each Period

• All Gains Compound Tax Deferred ACCUMULATED VALUE

“The Floor” Minimum

Guarantee

Annuity Account Value

Monthly Average of the S&P 500 Index

START POINT

Example

S&P 500 vs. Annual Point-to-Point (July 1998 - July 2003)

$100,000.00

$118,016.00

$130,066.61

$101,503.99

$71,092.38

$76,686.64

$107,000.00

$114,490.00 $114,490.00 $114,490.00

$122,504.30

$60,000.00

$70,000.00

$80,000.00

$90,000.00

$100,000.00

$110,000.00

$120,000.00

$130,000.00

$140,000.00

1998 1999 2000 2001 2002 2003

S&P 500 Index

EIA Annual Point-to Point

(7.0% Cap)

• Would you like the potential to exceed traditional fixed rates?

• Would you like to keep your principal and earnings safe from risk?

• Can you benefit from tax-deferral?• Would you like access to your money when

needed through penalty free withdrawals?• Would you like the option to later convert your

retirement funds into a guaranteed income you could never outlive?

Take the next step today!

As your agent, we will work together to evaluate your situation and select an appropriate product to address your personal needs.

Take the next step today!