The Annuity Portfolio with a Vision

Fixed-Indexed Annuities 6% - 10% & 12% Bonuses with no MVA*

Avoid Broker Dealer Control

Declared Interest Rate Fixed Annuities w/Bonuses, LIBR**

*MVA – Market Value Adjustment is a risk factor – a double edged sword – when the market is going up it is a risk to the policy holder and when the market is “bust” it reduces surrender charges and that’s a big risk to the Annuity Company as it places a strain on capital reserves.

**NEW Fixed Interest Rate annuities (not indexed) with 10% & 12% Bonuses with Lifetime Income Benefit Riders