Some advantages to the Fixed Indexed Annuity:

• Safety of your principal.
• Interest is typically locked-in each term.
•  No risk of loss if you hold the contract to term and no withdrawals are taken during the withdrawal charge period.
• A guaranteed minimum interest rate.
• Your choice of interest crediting strategies: index-linked or a guaranteed interest option.
• Tax deferred growth (Annuities vs. CDs, for example).
• Penalty-free and lifetime income options.

FIXED INDEXED ANNUITIES

• Safety of principal and previously-credited interest.
• No risk of loss if held to term.
• Minimum interest rate GUARANTEED.
• Your choice of interest crediting strategies based on changes in a market index or guaranteed-interest strategy.
• Tax-deferred growth.
•  May avoid probate.
•  Penalty-free withdrawal options.
• Lifetime Guaranteed Income Options*.

*Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider,
a benefit for which an annual premium is charged.
IRAs are already tax-deferred; if you want to put IRA funds into an annuity, consider the other benefits provided
by an annuity, such as lifetime income and a death benefit. Taxable amounts withdrawn prior to age 59½ may
be subject to a 10% IRS penalty. Guarantees provided by annuities are subject to the claims-paying ability of the
issuing insurance company. Indexed Annuities contain limitations including withdrawal charges, fees and a market
value adjustment which may affect contract values.