based upon the gain in a financial market index.

Interest earnings

that is predictable and guaranteed

for life.

Locked-in gains.Once credited, cannotdecline in the future.

Account protectionfrom potential financialmarket index losses.

Retirement income

Understanding a

Fixed Indexed Annuity

An Educational Presentation by

Titan Brokerage Services

One the most useful…… and most misunderstood…

… tools for retirement.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

An Annuity is acontract with a life insurance

company.Annuities are used for risk transfer and risk management.

Risk ofLosing Money

RISK TRANSFER

Risk ofOutliving Money

(Income)

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

An Annuity is acontract with a life insurance

company.

$$$ (Premium)

Guarantees

The type of annuity determines the guarantees and benefits.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

ISSUEStart Value

$100,000

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Annuity Account Value2

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

ISSUE Yr 1Start EndValueValue

INDEX:-13.04%

$100,000$100,000

$ 86,960 Account protectionfrom potential financial

market index losses.

When the index falls:No decline in account value.

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Indexed Interest Value2

“A Tale of Two Lines”

Yr 2End

Value

ISSUE Yr 1Start EndValueValue

INDEX:-13.04%

$100,000 $100,000$100,000

$ 86,960

INDEX:-23.37%

$ 66,637

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Indexed Interest Value2

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

Account protectionfrom potential financial

market index losses.

When the index falls:No decline in account value.

Yr 3End

Value

Yr 2End

Value

ISSUE Yr 1Start EndValueValue

INDEX:-13.04%

INDEX:-23.37%

$100,000 $100,000$100,000

$ 86,960

$ 66,637

INDEX:+26.38%

$105,000

$ 84,216

Interest earningsbased upon the gain in afinancial market index.

When the index rises:The gain, subject to a limit,

is credited as interest.This example assumes an annual gain limit of 5%.

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Indexed Interest Value2

“A Tale of Two Lines”

Yr 4End

Value

Yr 3End

Value

Yr 2End

Value

ISSUE Yr 1Start EndValueValue

INDEX:-13.04%

$100,000 $100,000$100,000

$ 86,960

INDEX:-23.37%

$ 66,637

INDEX:+26.38%

$105,000

$ 84,216

INDEX:+8.99%

$110,250

$ 91,787

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Indexed Interest Value2

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

Interest earningsbased upon the gain in afinancial market index.

When the index rises:The gain, subject to a limit,

is credited as interest.This example assumes an annual gain limit of 5%.

INDEX:-13.04%

$100,000 $100,000 $100,000

$ 86,960

INDEX: INDEX:INDEX:

-23.37% +26.38% +8.99%

$ 66,637

$105,000

$ 84,216

$110,250

$ 91,787

$113,558

$123,444$119,235

$ 94,541

$107,418$111,209

INDEX:+3.00%

INDEX:+13.62%

INDEX:+3.53%

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Indexed Interest Value2

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

ISSUE Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7Start End End End End End End EndValue Value Value Value Value Value Value Value

INDEX:-13.04%

INDEX:-23.37%

$100,000 $100,000 $100,000

$ 86,960

$ 66,637

INDEX:+26.38%

$105,000

$ 84,216

$110,250

$ 91,787

$113,558$119,235

$123,444

$ 94,541

$107,418$111,209

INDEX:+8.99%

INDEX:+3.00%

INDEX:+13.62%

INDEX:+3.53%

$ 68,405

$123,444

INDEX:-38.49%

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.Stock Market Account Value1

Indexed Interest Value2

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

Locked-in gains.Once credited, cannotdecline in the future.

ISSUE Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8Start End End End End End End End EndValue Value Value Value Value Value Value Value Value

INDEX:-13.04%

$100,000 $100,000 $100,000

$ 86,960

INDEX:-23.37%

$ 66,637

INDEX:+26.38%

$105,000

$ 84,216

$110,250

$ 91,787

$113,558$119,235

$123,444

$ 94,541

$107,418$111,209

INDEX:+8.99%

INDEX:+3.00%

INDEX:+13.62%

INDEX:+3.53%

$123,444

INDEX:-38.49%

INDEX:INDEX:

+23.45% +12.78%

INDEX:0.00%

INDEX:+13.45%

INDEX:+29.55%

INDEX:+11.39%

INDEX:-0.73%

$129,617

$136,097 $136,097

$142,092

$150,047

$157,550 $157,550

$ 84,446

$ 95,238 $ 95,238

$108,048

$139,976

$155,919 $154,781

$ 68,405

Stock Market Account Value1

Indexed Interest Value2

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A Tale of Two Lines”

ISSUE Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr 11 Yr 12 Yr 13 Yr 14 Yr 15Start End End End End End End End End End End End End End End EndValue Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value

Yr 4Yr 3Yr 2Yr 1

INDEX:-13.04%

Yr 0

$100,000 $100,000 $100,000

$ 86,960

INDEX:-23.37%

$ 66,637

INDEX:+26.38%

$105,000

$ 84,216

$110,250

$ 91,787

Yr 7Yr 6Yr 5

$113,558$119,235

$123,444

$ 94,541

$107,418$111,209

INDEX:+8.99%

INDEX:+3.00%

INDEX:+13.62%

INDEX:+3.53%

$123,444

Yr 15Yr 14Yr 13Yr 12Yr 11Yr 10Yr 9Yr 8

INDEX:-38.49%

INDEX:INDEX:

+23.45% +12.78%

INDEX:0.00%

INDEX:+13.45%

INDEX:+29.55%

INDEX:+11.39%

INDEX:-0.73%

$129,617

$136,097 $136,097

$142,092

$150,047

$157,550 $157,550

$ 84,446

$ 95,238 $ 95,238

$108,048

$139,976

$155,919 $154,781

$ 68,405

Stock Market Account Value1

Indexed Interest Value2

“A Tale of Two Lines”

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.

This presentation is intended as educational only and does not constitute an offer for a specific Fixed Indexed Deferred Annuity. The intent of this presentation is only to enhance understanding of the how indexed interest strategies function. There are many important details relating to the potential purchase of an annuity, and this presentation does not cover them all. Those considering the purchase of an annuity should carefully review the specifications,

disclosures, and materials provided by the issuing insurance carrier, and ask their representative to clarify anything that they do not understand.All guaranteed values are based upon the claims-paying ability of the issuing insurance company.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

An example of how a Fixed Indexed Annuity provides principal protection, interest earnings, and lifetime guaranteed income.

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015Start End End End End End End End End End End End End End End EndValue Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value

Understanding the Concept; An Analogy

Sometimes goes fast……sometimes slows down…

…but NEVER GOES BACKWARDS!INDEX-BASED ACCOUNT VALUE

MARKET RISK (UNPROTECTED)

Sometimes goes fast……sometimes slows down…

…AND CAN GO BACKWARDS VERY QUICKLY!

Which track matches your risk tolerance?

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

Yr 4Yr 3Yr 2Yr 1

INDEX:INDEX:

-13.04% -23.37%

$100,000 $100,000 $100,000

Yr 0

$ 86,960

Yr 7 Yr 15Yr 14Yr 13Yr 12Yr 11Yr 10Yr 9Yr 8

$ 66,637 $ 68,405

INDEX:INDEX:

+26.38% +8.99%

$105,000

$ 84,216

$110,250

$ 91,787

Yr 6Yr 5

$113,558$119,235

$123,444 $123,444

$ 94,541 $ 95,238 $ 95,238

$107,418 $108,048$111,209

INDEX: INDEX:INDEX:+3.00% +13.62% +3.53%

INDEX: INDEX: INDEX:-38.49% +23.45% +12.78%

INDEX:0.00%

INDEX: INDEX:INDEX:

+13.45% +29.55% +11.39%

INDEX:-0.73%

$129,617

$136,097 $136,097

$ 84,446

$142,092

$150,047

$157,550 $157,550

$139,976

$155,919 $154,781

What about

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

retirement income?2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015Start End End End End End End End End End End End End End End EndValue Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value

Yr 4Yr 3Yr 2Yr 1

INDEX:INDEX:

-13.04% -23.37%

$100,000

Yr 0

$100,000

$ 86,960

$100,000

$ 66,637

INDEX:+26.38%

$105,000

$ 84,216

$110,250

$ 91,787

Yr 7Yr 6Yr 5

$ 94,541

$107,418$111,209

INDEX:+8.99%

INDEX:+3.00%

INDEX:+13.62%

INDEX:+3.53%

Yr 15Yr 14Yr 13Yr 12Yr 11Yr 10Yr 9Yr 8

INDEX:-38.49%

INDEX:INDEX:

+23.45% +12.78%

INDEX:0.00%

INDEX:+13.45%

INDEX:+29.55%

INDEX:+11.39%

INDEX:-0.73%

$ 84,446

$ 95,238 $ 95,238

$108,048

$ 68,405

$113,558$119,235

$123,444 $123,444

$129,617

$136,097 $136,097

$142,092

$150,047

$157,550 $157,550

$139,976

$155,919 $154,781

$116,000

$125,280

$133,920

$142,560

$151,200$159,840

$168,480

$177,120

$185,760

$194,400 $194,400 $194,400 $194,400 $194,400 $194,400

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

Optional benefit provides guaranteed growth3for lifetime income value .

Not a withdrawal value. Income Base value is used to determine amount ofannual lifetime income only. Annual growth of Income Base shown is 8% simple interest annually until income benefit start.

Hypothetical For Educational & Concept Example Purposes Only.1 Value shown assumes an account that exactly tracks the annual performance of the S&P 500 index (without dividends).S&P 500 Index is an unmanaged equity index.2.Fixed Indexed Deferred Annuity with account allocated to an Annual Point-to-Point Indexed Interest Strategy with Annual Cap of 5.00% for all years; this rate may no longer be available. Used for example purposes only, does not imply or guarantee performance of any specific annuity. Surrender charges apply to surrenders or withdrawals in excess of the free withdrawal provision during the Surrender Charge Period. Participation Rates and Interest Caps apply; may change annually on Contract Anniversary. Guarantees are based upon the claims-paying ability of the issuing insurance company.3.The Income Base is not a withdrawal or contract value, it is a mathematical formula used only to determine the amount of a lifetime income withdrawal. Example shown assumes an initial Income Base bonus of 8% of premium, increasing each year on an 8% simple interest for ten contract years, or until lifetime income benefit is commenced.

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015Start End End End End End End End End End End End End End End EndValue Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value

Understanding the Concept; An Analogy

Sometimes goes fast……sometimes slows down…

…but NEVER GOES BACKWARDS!INDEX-BASED ACCOUNT VALUE

MARKET RISK (UNPROTECTED)

Sometimes goes fast……sometimes slows down…

…AND CAN GO BACKWARDS VERY QUICKLY!

Consistently moves forward...…until you begin your lifetime income benefit.

INCOME BASE GROWTH

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.

“A lot of models”Fixed Indexed Annuity

A lot of important details.

FOR EDUCATIONAL USE ONLY – NOT INTENDED AS SPECIFIC ADVICE.