Fixed Indexed Annuities

Capturing growth with downside protection

A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who
has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as
medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not
directly participate in any stock or equity investments, or index. The index used is a price index and does not
reflect dividends paid on the underlying stocks.

Power of Zero

When the index is negative during an indexed term, the lowest your account can be credited is 0%.

Growth Potential

The potential for your account to receive credit increases with positive index performance.

Lock in Gains

Indexed accounts never earn a negative interest rate. No losses before seeing additional positive growth if the index rebounds.