1. Guaranteed
Income For Life
Prepared For:
Valued Client
Prepared By:
Valued Agent

2. 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.

3. 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.

4. 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.

5. 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.

6. 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 Percentage
Attained 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%

7. 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

8. Investment Options For Pension Rollover
Comparisons
Guarantees Income Options
Company Pension
Index Annuity
Income Guaranteed?
Yes
Yes
Can 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

9. 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.