Guaranteed Income For Life

Prepared For: Valued Client

Prepared By: Valued Agent

What is a Guaranteed Income Rider?

• Income Riders are an optional lifetime withdrawal benefit that can be placed on certain fixed annuities that give a high guaranteed interest rate to generate guaranteed income for life.

• Provides you the security of guaranteed income for life without losing control of your account as it allows you the ability to control when you receive income payments.

• In exchange for a small annual cost this rider offers you the ability to achieve a guaranteed lifetime income stream to ensure you never outlive your money.

Benefit Of Income Rider• Uncertainties cloud the future for everyone. What amount of

interest will my account earn over time? What's going to happen with the stock market-will it go up, down or stay flat? How long am I going to live? Will I outlive my income?

• A recent 2010 Census Bureau report stated that there are 100,000 Americans living at age 100 and up. By 2020 they estimate that number to reach 250,000 American's. How many will there be in 2030, 2040? Could you or your spouse live to age 100?

• With all these uncertainties an Income Rider can guarantee you income for LIFE and make the unknowns of the future irrelevant. Income Riders give you the complete comfort of knowing you will never outlive your income, regardless of what the market or interest rates do and regardless of how long you live.

Interest Rate Deferral Options

Bonus Credit Options- earn a 10% immediate premium bonus then choose one of these two options

Option One

• Offers a 6% annual Bonus Credit for Life

Fee---------0.20%

*Option Two

• Offers an 8% annual Bonus Credit for the first 10 contract years. After the tenth year, you will have the option to extend the 8% annual bonus credit for an additional 10 years

Fee--------0.75%

• If 8% is extended for an additional 10 years, fee can be adjusted between of 0% to 1.50%

* Option 2 is the better option in most scenarios.

Flexible Income

• Begin taking income payments based on the income benefit value any time after the first contract year and as early as age 50.

• Ideal for those individuals looking to receive income over a long period of time.

• Guarantees a lifetime income stream without surrender charges, interest adjustments, or being forced to take an annuity payout. It will also guarantee that the income stream will never go down.

• Ability to start and stop income at anytime.

Lifetime Income Payment Percentages• You make the decision of when to turn on Income.• Receive payments: monthly, quarterly, semi-annually or

annually.• The Table below shows what % of your income benefit value

you will receive guaranteed for LIFE.• Payouts can be guaranteed for 2 lives - the percentage will be

lower and will always be based on the younger person’s age.

Lifetime Payment PercentageAttained Age of Covered Person

50-54 55-59 60-64 65-69 70-74 75-79 80+

Single Covered Person 4% 4% 4.5% 5% 5.5% 6% 6.5%

Joint Covered Persons 3% 3% 3.5% 4% 4.5% 5% 5.5%

Investment Options for Pension Rollover

Company Pension

Index Annuities

Stocks & Mutual Funds

Variable Annuities

Is Income Guaranteed? Yes Yes No Only if you pay for additional rider

Is a Deposit Guaranteed? Yes Yes No Only if you pay for additional rider

Is There a Guarantee To Retain Interest Earned?

N/A Yes No No

Are You Required To Pay Fees? (some fees as high as 3%)

No No Yes Yes

Is There a Governmental Guarantee Of Funds?

No Yes No No

Can There Be An Increase In Your Account?

No Yes Yes Yes

Is There a Nursing Home Waiver?

No Yes No No

Can You Leave Funds To Your Children Or Grand Children?

No Yes Yes Yes

Can Corporate Bankruptcy Affect Your Funds?

Yes No No No

Investment Options For Pension RolloverComparisons

Guarantees Income Options

Company Pension Index Annuity

Income Guaranteed? Yes YesCan the Monthly Income Increase? No Yes

Can You Take Out Funds For Emergencies? No Yes

Can You Leave Funds to Children or Grand Children? No Yes

Is There a Governmental Guarantee? No Yes

Has Anyone Ever Lost Money or Had Their Pension Modified During a Corporate Bankruptcy?

Yes No

Do You Have to Annuitize Your Pension? Yes No

Fixed Index Annuities Go UP But Not DOWN!Hypothetical Growth of a Fixed Index Annuity with Annual Reset Compared to S&P 500® Index

Beginning Jan 1, 1999

Assumes $500,000 initial premium for the base product & assumes no withdrawals. Past performance is no guarantee of future results. EIA Strategy values assume 3% monthly Cap Rate & subtracts the income rider fee of 0.75% each year over the duration of the 11-year period. The EIA Strategy assumes a 10% premium bonus. The Income Rider value assumes a 10% premium bonus & growth of 8% compounded each year. Clients who purchase index annuities are not directly investing in the S&P 500®. “Standard & Poor’s®”, “S&P®”, “S&P500®”,”Standard & Poor’s 500” and “500” are trademarks of The McGraw-Hill Companies, Inc. Index annuities are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchased the Product.