• Safety:
  • Legal Reserve - $1.00 per $1.00
    
    
  • State Guarantee fund
    
    
  • Insurance Holding Companies Assets and Reserves
    
    
  • Reinsurance Companies
    
    
  • Insurance Commissioner’s Strict Standards
    
    
• Liquid:
  • 10% Free withdrawals of 100% of your money.
    
  • Annuitization, loans.
    
    
  • Riders: Nursing Homes, Terminal Illness, Death
    
    
• Good Potential Returns Without risk linking performance to major indexes
  
  
• Preferential Tax Treatment (Sec 72-I.R.C.)
  
  
• Avoids probate (With Proper Beneficiary Designations)
  
  

• Bonus Money up to 10% added to your full account value
  
  
•  No 1099 Each year on any gains (If interest is not withdrawn)

• Flexible, Exchangeable (1035 Exchange)

• Can provide an Income that You Can Never outlive

• No Front End Fees or Annual Charges

• Economic Depression Protection

• Protection from the Bears…Participate with the Bulls

• Incontestable Upon Death

• Creditor Protection (in many states)

• Not Complicated To Understand

• No Market Risk!

• Can Provide a Structured Payout to Your Beneficiaries

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