4.10% FIXED RATE FOR 6 YEARS

(4.00% on annuity premium of <$125,000) Rate effective May 2 - June 15, 2011

• Guaranteed Return of Premium

• Issued to Age 90

• 10% free withdrawals beginning in the first Contract Year

• Full value on death (less any applicable premium tax),

no commission charge back

• Nursing Home/Terminal Illness Waivers (not available in all states)

Complete the form below to request a FREE Marketing Kit and to learn how to get contracted.