Make A Valuable New Business Connection Today.

Transcription

1 Volume 26 Volume 27 Make A Valuable New Business Connection Today. Social Security Seminar and Coaching! Everything you need to succeed! pg 6 Reposition Lazy Assets Sales and Marketing Tools pg 38 IAMS Announces 2016 Top Producers Escape! See Page 39

2 Greetings From The IAMS Owners Charles M. Heuring President, CEO, Founder Owner Steve M Murray EVP, CMO, COO Owner There are a number of quality firms through which you can choose to do business. Quality products, constant training, valuable incentives and experienced sales assistance have been a foundation of our success. However, when considering who you want to entrust with your busines, here are the primary reasons you ll want to take a closer look at IAMS. Owner Operated Well Established (29 years serving producers) Actual Personal Service No Voic (Never have, Never will) A knowledgeable person will answer the phone in less than three rings. For the past 29 years we ve worked for producers that expect to be treated with respect and rewarded for their efforts. If you are not getting personal attention, join the IAMS family, and experience the difference starting today. 7 IAMS 3 Ring GUARANTEE Steve Murray You ll be working with a firm that knows what it s doing, will promptly answer the phone when you call and provide the personal service you require. Most importantly, any time you need special attention, you can give Steve or I a call - it s just that easy. There is no other firm I would consider referring agents to. I know IAMS delivers! - Brian D. - Charles Heuring 2 Insurance Agency Marketing Services 3 Learn More Inside!

3 ++ S&P A- Rates Effective 1/22/2015 Initial Premium: ategy 1.55% o Pt. Multiple Index o Pt. S & P hly 1.40% hly Average Pt to Pt Index ap Pt. to Pt. Index Spread 3.60% 3.40% Initial Premium: ategy 1.90% o Pt. Multiple Index 4.75% o Pt. S & P 4.75% hly 1.90% hly Average 4.75% Spread 1.90% 1.70% Initial Premium: ategy 1.20% nt-to-point Index 2. thly Index 1.15% Index 2. Initial Premium: ategy 1.20% nt-to-point Index 2. thly Index 1.15% Index 2. Initial Premium: ategy t-to-point Index 2.00% thly Index 1.15% Index 2. $50, % Bonus % 5.00% (5K-49K) Guaranteed Rate 87.5% of Premiums at an Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm Surrender State death Charges Availab Call 1.40% interest rate 6.00% Call for De (50K+) () Spread 3.60% 3.40% $50, % 4.75% 4.75% 1.90% 4.75% Spread 1.90% 1.70% $75, % % 3. $75, % % 3. $75, % 3.00% 1.60% % (5K-49K).00% (50K+) First Year Only in OH of 1% 87.5% of Premiums at an interest rate of 1% 87.5% of Premiums at an interest rate between 1% & 3% based on the 5 year Treasury 87.5% of Premiums at an interest rate between 1% & 3% based on the 5-year Treasury 87.5% of Premiums at an interest rate between 1% & 3% based on the 5-year Treasury Indiana 0-64 Florida Yrs. 2+ 5% Yrs. 2+ 5% 5% Yr 2+ % 5% Yr 2+ % 5% Yr 2+ % () () () 15 All except: N AK, CT, DE, FL MD, MN, MO, OH, PA, SC, WA All except: C OR, W NO MV AK, IN, MD, M OH, PA, TX MA: No Confinem terminal ill waivers ava All except: DE OR, PA Call for detail CT, MN, NV, Available in ONLY Available fo ONLY in AK, CT, MN, N UT, WA Projected Guaranteed 1st yr Renewal 2nd Rates yr Rates atings: A.M. Best A-, S&P BBB+ Rates Effective 3/13/ % Bonus Ages 0-75 **1st 5 years 5.00% Bonus Issue Ages **1st 5 years Bonus varies in AK, DE, OK, SC, UT 2.00% des 1st year bonus, assumes no withdrawals 8.00% Bonus Yr 9 Yr 8 Yr * Includes 1st year bonus, assumes no withdrawals Interest Rate 2.25% *. less in: CA, DE, MN, PA & WA 1.20% 2.25% 2.80% Yr % 3.70% Yr % 1.90% Yr % 7 Yr 2.90% Yr % 6 Yr 1.30% Yr % 5 Yr 2.00% Yr Yr suspended Yr 2-4 suspended 3 Yr suspended Yr 2-3 suspended Rates 0.1% higher on Rates 0.1% higher on $0,000+ Premiums 2.00% 2.00% $0,000+ Premiums Minimum Guaranteed Rate Top Bonus and Guarantee Ratings: A.M. Best A S&P A+, Moody's Aa3 Rates Effective 3/13/2015 $2,000 Q NQ 0-78 $2,000 Q NQ $,000 1% or IC Index Issue Ages Min Prem NQ/Q 0-85 NQ & Q Withdrawal Provisions % of the contract value starting year 2 Systematic WD Yr 2+ % Interest Only Systematic WD and RMD Systematic WD Yr 2+ % Chg death Months 1st MO 1/12 each Mo after 1st MO 1/12 each Mo after 1st MO 1/12 each Mo after Full Accm death Surrender State Charges Availability Call Bonus Vesting years 5 No Surrender Charge during 30 day window at end of each guarantee period AL, CT, FL, IN, MN, NJ, NV, NY, OH, OR, PA, TX, WA AK, AL, CT, DE, IN, MN, NJ, NV, NY, OH, OK, OR, PA, SC, TX, UT & WA AL, NY Call IC Minimum Guarantee States All others except NY & UT 1.5% Minimum Guaranteed States MD, WY www 7 8 www R 1 Table of Contents Crediting Methods Plug into Marketing Reimbursement Why IAMS? Life Sales Carrier Index Life Marketing Tool Kit With our Turn Key Marketing Tools we offer everything you need to generate interest, present the product, and make the sale! Find the Prospect: Start with a pre approach letter or a customizable tri fold brochure. You could also put an ad in the paper or send out an informative personalized flyer Savvy Social Security Planning Turnkey Sales Solution Sitting on a Goldmine? Indexed Annuity Sales Guide 2016 Top Producers Trip Present the product: We will provide you with training, client illustrations, product brochures, marketing tools, flipcharts, power point presentations and even an exclusive Life vs. Annuity calculator tool. Qualified Wealth Transfer Fixed Annuity Sales Guide Sales and Marketing Tools New Producer Bonus Plug into Marketing Reimbursement Investing in YOU is just good business. Here at IAMS we do good business and doubling your available marketing budget is GREAT business! Call Martie to learn how to double your results on us! Call Today! Thanks to IAMS Marketing Reimbursement I nearly doubled my seminars and tripled my business! I m so glad to have discovered this program. - Tom L. *Premium written and placed with selected companies through IAMS. * Not available on SPIA, MYG, or Term Annuities. For IAMS Licensed Agents Only. Insurance Agency Marketing Services 5

4 Social Security Planning Plus 6 Tools Financial Advisors Guide to SS Planning Upgraded SS Planning Calculators Custom Article Reprints & Baby Boomers Guide Flyers, Brochures, Scripting, Letters Full Website of Materials Online Access to the Expert Coaching Expert in Seminar Marketing... Over 340 Seminars Makes a complicated subject much easier to understand Proven Social Security Seminar Mailer One-on-One Seminar Coaching Seminar Financing Available Equals... Social Security Success! Dave Pimper President of Lazarus Coaching Why I Work with IAMS A View from the Field I have been working with IAMS since I say working with because that is exactly what you get. A team of professionals working with you to help meet and exceed your goals. After working on numerous life cases with Cynthia I can tell you she will do whatever it takes to find the right solution for the cases you may be working on. I have had the privilege to work with just about everyone on the annuity side and they will make you feel that you are the only one they are helping. If you love to speak to a live person to get your answers to questions or request illustrations then you will love IAMS. Calls are always answered within three rings, and I have been calling for over ten years. The training academies are a must attend. The time and effort that is put into making it a first class training event is incredible. At the event you will learn new marketing strategies, network with top producers and meet some of the IAMS team in person. They are some of the most genuine individuals I have encountered in my 28 years in this business. I have personally benefited from their marketing reimbursement program. When you combine their product offerings as well as getting marketing dollars for just doing what you need to do anyway it is a win, win proposition. I have been on Calls are always every sales conference answered within three with IAMS since I joined rings. And I have been them. It is such a family calling for over ten years. atmosphere that after you make your first trip you will not want to miss any in the future. Whether you are chatting with Charles the President or Steve you will always feel like your speaking with one of the guys. I could go on and on, BUT DO YOURSELF A FAVOR AND BECOME A PART OF THIS EXTRAORDIRY ORGANIZATION AND EXPERIENCE WHAT I HAVE BEEN BLESSED TO EXPERIENCE FOR THE LAST 11 YEARS. Insurance Agency Marketing Services 7

5 Indexed Annuities Bonus % Target Horizon Target Horizon 15 Income Preferred Bonus Income Preferred Bonus Pro Crediting Methods Athene Life and Annuity A.M. Best B++ S&P A- Rates Effective 1/22/2015 Initial Premium: Fixed Strategy 1.55% 1 Yr Pt. to Pt. Multiple Index 1 Yr Pt. to Pt. S & P 1 Yr Monthly 1.40% 1 Yr Monthly Average 1 Yr. No Pt to Pt Index 5 Yr No Pt. to Pt. Index Spread 3.60% 3.40% Initial Premium: Fixed Strategy 1.90% 1 Yr Pt. to Pt. Multiple Index 4.75% 1 Yr Pt. to Pt. S & P 4.75% 1 Yr Monthly 1.90% 1 Yr Monthly Average 4.75% Spread 1.90% 1.70% Initial Premium: Fixed Strategy 1.20% 1- Yr Point-to-Point Index Yr Monthly Index 1.15% 1-Yr Avg. Index 2. Initial Premium: Fixed Strategy 1.20% 1- Yr Point-to-Point Index Yr Monthly Index 1.15% 1- Yr Avg. Index 2. $50,000 + Guaranteed Rate Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm Surrender State death Charges Availability Commission Call 1.55% % All except: NY, OR % 5.00% 87.5% of (5K-49K) () Premiums at an 0-78 Yrs. 2+ 5% 1.40% interest rate 6.00% Call for Details: of 1% (50K+) () Spread 3.60% 3.40% AK, CT, DE, FL, IN, MA, MD, MN, MO, NJ, NV, OH, PA, SC, TX, UT, WA Call for Details: AK, FL, MN, NJ, NV, OH, PA, SC, UT $50,000 + All except: CT, NY, 1.90% OR, WA % NO MVA: 4.75% 87.5% of (5K-49K) () AK, IN, MD, MN, MO, 4.75% Premiums at an Yrs. 2+ 5% OH, PA, TX, UT 1.90% interest rate State Specific max Issue Age.00% 4.75% of 1% FL ONLY 0-64 (50K+) () MA: DE, MN, OH, UT 0-47 Spread No Confinement or 1.90% terminal illness AK, NJ, NV, PA, SC, TX % waivers available $75, % 87.5% of Premiums All except: DE, NJ, NY, First Year OR, PA % at an interest rate 5% % Only between 1% & 3% 1.60% Indiana 4.00 based on the 5 year Yr 2+ % Call for details in: AK, 3. Treasury CT, MN, NV, UT, WA Yrs Florida $75, % 87.5% of Premiums at an interest rate 5% between 1% & 3% Available in Florida based on the 1.60% ONLY 5-year Yr 2+ % 3. Yrs 2-5 Treasury % Income Preferred Bonus S Initial Premium: Fixed Strategy 1- Yr Point-to-Point Index 2.00% 1- Yr Monthly Index 1.15% 1-Yr Avg. Index 2. $75, % of Premiums Available for Sale 1.45% % at an interest rate 5% ONLY in: % between 1% & 3% 3.00 in OH based on the 5-year Yr 2+ % AK, CT, MN, NV, OH, 3.00% Treasury UT, WA Yrs % % % Go to iamsinc.com to check out our Annuity Quote Engine. The Annuity Quote Engine has literally made sales for me, and Dan does an incredible job on quotes. Thank You IAMS! - Frank D. Texas 8 9 *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

6 Indexed Annuities Bonus % Crediting Methods Athene Life and Annuity A.M. Best B++ S&P A- Rates Effective 3/13/2015 Benefit Athene DE LA, MD, OR & PA LA, MD Fixed Account 1.70% S&P 1-yr Pt to Pt 3.65% S&P 1-yr Mo. Pt to Pt 2.05% OR, PA 1.40% 3.15% 1.80% 6.00% Guaranteed Rate 87.5% of Premiums at an interest rate of min. Issue Ages Min Prem 3 $,000 (Q & NQ) Withdrawal Provisions Yr 2+ 5% Chg death Months Full Accm Surrender death Charges Call State Availability LA, MD, OR, PA ONLY Commission Year % Year Benefit Athene IA LA, MD Fixed Account 1.70% S&P 1-yr Pt to Pt 3.65% S&P 1-yr Mo. Pt to Pt 2.05% OR, PA 1.60% % 6% Select & Pro 5% Full Details of the Athene Benefit State Availability and Issue Ages Athene Benefit (Athene IA) Athene Ascent 5 Single premium Athene Ascent Single premium AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, MA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY Issue ages Fixed 1.90% 1 Yr Pt to Pt S&P % 1 Yr Monthly 1.80% 1-Yr Monthly Average 4.00% Spread 1-Yr No Pt to Pt 1.95% Fixed 1. 1 Yr Pt to Pt S&P % 1 Yr Monthly 1.40% 1-Yr Monthly Average 3.00% Spread 1-Yr No Pt to Pt N/A N/A 87.5% of Premiums at an interest rate of min. 87.5% of Premiums at an interest rate of 1% 87.5% of Premiums at an interest rate of 1% $,000 (Q & NQ) Yr 2+ 5% See Below Year % Year Full Details of the Athene Benefit State Availability and Issue Ages Athene Benefit (Athene IA) Athene Benefit Select (Athene IA) AK, NJ, NV, OK, TX (issue ages 56-78) AK, NJ, NV, OK, TX (issue ages 30-55) DE, MN, OH, SC, UT (issue ages 53-78) DE, MN, OH, SC, UT (issue ages 30-52) CT (issue ages 30-78) IN (issue ages30-74) Athene Benefit Pro (FL ONLY) FL (issue ages 30-64) ages $5K 0-74 for IN 0-78 $5K 0-74 for IN 5% Yr 2+ % 5% Yr 2+ % () () () () 5 CA, CT, DE, IL, LA, MD, MN, MS, NY, OH, OR, PA, TX, VA, WA CA, CT, DE, IL, LA, MD, MN, MS, NY, OH, OR, PA, TX, VA, WA % 2.00% % % Trail Option 1st Yr Mo. Trail % 0.062% % 0.041% Athene Ascent Bonus Fixed 1.70% High Band % 1 Yr Pt to Pt S&P ($50K) 87.5% of 1 Yr Monthly 1.60% $5K 5% () % CA, CT, DE, IL, LA, 3% Premiums at an Trail Option 1-Yr Monthly Average 3. IN MD, MN, MS, NY, OH, Low Band interest rate of 1% Yr 2+ 1st Yr Mo. Trail Spread FL OR, PA, TX, VA, WA 1-Yr No Pt to Pt 1% NJ,NV,OK % () % 0.062% Single premium 2. AK,SC,UT % 0.041% AIG Ratings: A.M. Best A, S&P A-, Fitch A, Moody's A2 Rates Effective 3/13/2015 Call Option A Fixed Account Power Select High Band S&P Annual Pt to Pt NY, WA % (0k+) % Plus Income S&P Monthly Pt to Pt Additive % of $25,000 High Band Bonus is 4% Bonus Yr % 5% Low Band Bonus is 1% in: S&P Monthly Avg Spread 6.75% Premiums at an 1-12 vesting Option B Yr 2+ % Yr Low Band interest rate 2.25% ML Strategic Balanced Index No Strategy schedule AK, CT, MN, MO, OH, OR, PA Yr 2+ (<0k) of min. applies Annual Pt to Pt Initial Spread 6.00% 2% Commission Bonuses 2 yr Pt to Pt Annual Spread PER YR 2.90% Available Power Select Builder Accumulation ONLY Fixed Account 1.20% High Band Option A NY % S&P Annual Pt to Pt 2.00% (0k+) % S&P Monthly Pt to Pt Additive 1.20% 5% Bonus High Band Bonus is 4% Yr Low Band Bonus is 1% in: Yr % S&P Monthly Avg Spread 5.75% 87.5% of $25,000 Yr 2+ % vesting Option B Low Band Premiums at an schedule 2.25% ML Strategic Balanced Index No Strategy AK, CT, MN, MO, OH, OR, PA, 0-75 (<0k) applies Yr 2+ Annual Pt to Pt Initial Spread interest rate WA 4.25% Commission Bonuses 1% 2 yr Pt to Pt Annual Spread PER YR 1.75% of min. Available *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

7 In Annuities Cr iti Bonus AMERICAN EQ I Ratin s: A.M. Best A- P BBB+ Rates Effecti 3/13/2015 Fixed Value Rate 1.15% P.R. Bonus Gold S&P Annual Mo. Avg. 2. S&P Annual Mo. Avg. 30% Dow Annual Mo. Avg. 2. S&P Annual Pt. to Pt. 2. **Form number and availability S&P Annual Pt. to Pt. 20% may vary by state Dow Annual Pt. to Pt. 2. S&P Monthly Pt. to Pt. 1.40% (INDEX-1-07) Yr US Treasury 2.25% S&P Performance Trigger 2.00% Bond Yield w/cap (2% Asset Fee) 5.15% 13-AE-1979 Volatility Control Index+ (2.75% Asset Fee) Retirement Gold **Form number and availability may vary by state (INDEX-2-09) 13-AE-1979 Benefit Go **Form number and availability may vary by state ICC13 IDX7) anta 1.05% P.R. 25 Go 2.25 **Form number and availability may vary by state l Premium 1.20 (IN EX-6-07) 2.00 Bond Yield W/ 4.65 S&P Performance Trigger: 1.75% Volatility Control Index (3.0% Asset Fee) ra itions Go **Form number and availability may vary by state l Premium Fixed Value Rate 1.0% P.R. S&P Annual Mo. Avg w/pr 25% S&P Annual Mo. Avg w/cap 2.25% S&P Annual Pt. to Pt. w/pr 15% S&P Annual Pt. to Pt. w/cap 2.25% S&P Monthly Pt. to Pt. 1.20% S&P Performance Trigger 1.75% Bond Yield w/cap (2% Asset Fee) 4.65% Volatility Control Index+ (3.0% Asset Fee) 1.05% Bond Yield W/ 4.65 S&P Performance Trigger: 1.75% Volatility Control Index+ (3.0% Asset Fee) P.R. **Form number and availability may vary by state l Premium on 84 of premiums pai, less wi rawal proc s at MGIR, com n annually of contract alue annually, starti yr 2. stematic w R imm iately from fi alue *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated of contract alue annually, starti yr 2. stematic w R imm iately from fi alue 1st mo full 1/12 eac mon after 1st mo full 1/12 eac mon after Yr Yr P.R on 87.5 of of contract st mo Yr N/A premiums pai, less alue annually, starti yr 2. full 1/ wi rawal proc s All E p stematic w eac at MGIR, R mon AL, NY Yr com n imm iately after S&P Performance Trigger 3.75% annually from fi alue % S&P Performance Trigger 1.75% Bond Yield W/ 4.65 (2.5% Asset Fee) P.R st Yr Premium Only 8.00 IN Only: 5.00 ages st Yr Premium Only 1st Year Premium Only 5 1st Year Premium Only 7 Available on all 1st Yr Premiums 1. on 80% of Yr 1 Premiums 1. on 87.5% of premiums paid, less withdrawal proceeds at MGIR, compounded annually 1.50 on 87.5 of premiums pai, less wi rawal proc s at MGIR, com n annually 1.50 on 8 premiums pai, less wi rawal proc s at MGIR, com n annually Iss Min Prem * 0-64 FL 0-78* *0-55 TX only Wi rawal Pro isions Systematic WD Yr 2+ % % of contract value annually, starting yr 2. Systematic w/d & RMD immediately from fixed value stematic w R imm iately from fi alue Great Well Being Rider C a Mon s 1/12 per month 1st mo full 1/12 each month after ll Accm rren ate a C s ailability Commission Call 16 Bonus Vesting years AK, AL, CT, MN, NJ, NV, NY, OH, OR, TX, UT, WA Call for Details: DE, OK AK, AL, CT, DE, MN, NJ, NV, NY, OH, OR, PA, SC, TX, UT, WA Call for Details: FL Only ailable in: AK, MN, NJ, N, OH, OR, PA, X,, WA All E cept: AK, AL, C, E MN, NJ, N, NY, OH, OR, PA, X,, WA Bonus AL, N vesting schedule 0-75 applies % Yr % Yr % % Yr Yr Call for details in: AK, DE, FL, IN, OR Yr Yr Yr 2 Yr

8 Chg back Indexed Guaranteed Issue Ages death Surrender State Annuities Crediting Methods Bonus % Rate Min Prem Provisions Months Charges Availability Commission EQUITRUST Ratings: A.M. Best B ++, S&P BBB+ Rates Effective 3/13/2015 Call Market S&P Annual Reset Pt to Pt CT, DE, MN, NV, Year 1 Power 3. S&P Annual Daily Average 2% on 87.5% of Systematic 0-75 NY, OR, TX, UT, WD from Fixed Bonus S&P Monthly Average 2 year: 8.00% Premiums paid 14 WA.00 Acct (1. on $20,000 AK, IL, OH Accredited Index S&P Monthly Average w/ Par Rate 45%* in DE & IL) Yr 2+ % Investor Form S&P Monthly Rate in FL only % in Fixed Strategy 1.30% Market 3.00% Systematic 6.00% S&P Annual Reset Pt to Pt Booster 7.00* AK, CT, DE, MN, S&P Annual Daily Average WD from Fixed Index * - 4% 2% on 87.5% of Acct NV, NY, OH, OR, $,000 NQ 9 (Additional premiums S&P Monthly Average w/ Par Rate 35%* Premiums paid TX, UT, WA *Yr 2-2% received yrs S&P Monthly Rate 1.25% Yr 2+ % *Yr 3-1% $2,000 Q Call for 2-5 receive 3.00%) Fixed Account details in: FL Market Twelve Bonus in MarketTen Bonus Index in Builder Bonus Index in S&P Annual Reset Pt to Pt S&P Annual Reset Daily Avg 3.00% S&P Monthly Average 2 year: 6.00% S&P Monthly Average w/ Par Rate 35%* S&P Monthly Rate 1.35% Fixed Account S&P Annual Pt to Pt 3.00% S&P Monthly Average S&P Monthly Average 2 year: 7.00% S&P Monthly Average w/ Par Rate 40%* S&P Monthly Rate 1.40% Fixed Strategy 1.20% S&P Annual Reset Pt to Pt S&P Annual Daily Average S&P 2 Year Monthly Average 3.00% 7.00% S&P Monthly Average w/ Par Rate 40%* S&P Monthly Rate 1.40% Fixed Strategy 1.20% 12.00* * 6% *Yrs 2-4 2% 6.00 Yrs Highest Bonus 2% on 87.5% of Premiums paid 1% on of Premiums paid (return of premium guarantee) Return of Premium Feature 2% on 87.5% of Premiums paid (return of premium guarantee) 0-75 $30,000 $30,000 $30,000 Systematic WD from Fixed Acct Yr 2+ % Systematic WD from Fixed Acct Yr 2+ % Systematic WD from Fixed Acct Yr 2+ % Full Accm death 14 AK, CT, DE, MN, Year 1 NV, NY, OH, OR, TX, UT, WA, WY AK, CT, DE, MN, NV, NY, OR, OK TX, UT,WA, WY *Call for details in OH Only Available in: CT, DE, MN, NV, OR, TX, UT & WA Year 1 Year % (Additional premiums received yrs 2-5 receive 3.00%) 6.00% FIDELITY & GUARANTY LIFE Ratings: A.M. Best B++, Fitch BB, Moody's Baa3 Rates Effective 3/13/2015 Call FG Index Choice Fixed Account 1.25% Index Gain with Declared Rule 2.25% S&P 1 Yr Annual Pt to Pt 3.00% S&P 2 Yr Annual Pt to Pt 6.25% S&P 3 Yr Annual Pt to Pt.00% S&P Monthly Avg S&P Monthly Pt to Pt 1.60% *3% bonus on all premium received in the first year 3.00* 1st Yr Premium ONLY 87.5% of Premiums at an interest rate of 1% 0-85 NQ Q $,000 Yr 2+ % 1st yr 2nd yr AL, CT, MS, NY Lower Surrender: AK, DE, FL, IN, MA, MN, NV, OH, OK, OR, SC, TX, UT, WA - Call for Details FL, ID, MA - Home health care waiver N/A MA - Nursing home waiver N/A Most States: FL only: % % % % Call for commission details in: AK, DE, MA, MN, NV, OH, OK, OR, OK, SC, TX, UT, WA % % % *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

9 Indexed Annuities Bonus % Crediting Methods Guaranteed Rate FIDELITY & GUARANTY LIFE Ratings: A.M. Best B++, Fitch BB, Moody's Baa3 Rates Effective 3/13/2015 Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm death Surrender Charges Call State Availability Commission FG Prosperity Elite Fixed Account 1.75% S&P 1 Yr Monthly Pt to Pt 1.60% S&P 1 Yr Annual Pt to Pt 3.00% S&P 1 Yr Monthly Avg Gold 1 Pt to Pt 3. Pt to Pt fixed delcared rate on index gain - 0%-4%-7% Bonus Only with rider call for details 87.5% of Premiums at an interest rate of 1% 0-85 NQ Q $,000 Yr 2+ % 1st yr 2nd yr AL, CT, MS, NY, Call for details in: AK, AZ, DC, ID, IL, IN, MD, NC, NM, TN % % AK, DE, FL(65+), MA, MN, NV, OH, OK, OR, PA, SC, TX, UT, WA % ForeThought Ratings: A.M. Best A- Rates Effective 3/13/2015 Call ForeThought Income 125 Plus S&P 1 Year Pt to Pt Low High Ultra 25K- 99,999K 0K- 249,000K 250K % 3.00% 3. 25% applied to S&P 1 Monthly Pt to Pt 1.25% 1.25% Lifetime Income 1. Account Value Fixed Strategy % Highest Income Bonus 0.55% of Premium 0-85 $25,000 Yr 2+ % 1-12 NY, IA, NJ, PA % % Call for details in: AK, OK, DE, OR, MN, NV, OH, PA, SC, TX, UT, WA, MD GUGGENHEIM Ratings: B++ Rates Effective 3/13/2015 Call Preserve Plus 3 20% Participation Rate N/A Stacked Rate k NQ 5k Q Yr 2+ % 1st Year 3 Yr CA, NH, NY, NJ 1. Renewal commission available in all states except: DE, FL, MN, MO, OR, PA, WA Preserve Plus 5 30% Participation Rate N/A 1.40% Stacked Rate k NQ 5k Q Yr 2+ % 1st year 5 Yr CA, NH, NY, NJ 2. Renewal commission available in all states except: DE, FL, MN, MO, OR, PA, WA Preserve Plus 7 40% Participation Rate N/A 1.65% Stacked Rate k NQ 5k Q Yr 2+ % 1st Year 7 Yr CA, NH, NY, NJ 3.00% Renewal commission available in all states except: DE, FL, MN, MO, OR, PA, WA The personal attention I receive at IAMS is a deal changer. Having a personal consultant who I can talk to and who understands my approach to the business has made all of the difference. - Phil M. My decision to join IAMS 7 years ago has literally transformed my life. I tell everyone I meet that any other choice is a wrong choice. - Randy L *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

10 Indexed Annuities Bonus % American Legend III P NW American Valor P14314NW SecurePlus Platinum Gold 1 Year Point to Point 4.70% S&P 1 Year Point to Point 4.20% S&P Monthly Sum 2.00% S&P 18-Mo Point to Point 7.00% Fixed Account 1. Please refer to product guide for complete details! S&P Annual Mo. Avg. 3.75% S&P 1 Year Point to Point 3.75% Fixed Account Please refer to product guide for complete details! LIFE OF THE SOUTHWEST: A.M. Best A, S&P A, Rates Effective 3/13/2015 SecurePlus Marquee 8 Crediting Methods S&P 1 Year Pt to Pt 2.25% S&P 1 Year Pt to Pt 140% Participation 2.00% S&P 1 Year Daily Average Participation Rate Russell yr Pt to Pt 2.25% Russell Year Pt to Pt 140% Participation 2.00% Fixed Account S&P 1 Year Pt to Pt S&P 1 Year Daily Average Participation Rate 40.0% Fixed Account 1.25% N/A 2.00 On Premium vesting years N/A Guaranteed Rate GREAT AMERICAN LIFE INSURANCE COMPANY Ratings: A.M. Best A Rates Effective 3/13/2015 S&P 1 Year Point to Point 4.00% Safe S&P 1 Year Point to Point 3.00% Bailout S&P Annual Mo. Avg. 4.00% Return SM S&P Annual Mo. Avg. 3.00% Bailout on of N/A Fixed Account Premiums paid P74509NW Please refer to product guide for complete details! ROP on of Premiums paid on of Premiums paid Highest Death Benefit 87.5% of Premiums at an interest rate of min. 87.5% of Premiums at an interest rate of 2.45% Issue Ages Min Prem Q 0-85 NQ $25, Q 0-85 NQ $, Q 0-85 NQ $,000 4 $,000 (Q & NQ) *Call for details in OH * $3,000 Q 0-64 FL +$0 per month Withdrawal Provisions + % Safe Outlook SM + % P74509NW Initial Premium: < 0K 0K+ S&P Annual Mo. Avg. 4.00% 4. S&P Annual Mo. Avg. Bailout 3.00% 3.00% S&P 1 Year Point to Point Bailout S&P 1 Year Point to Point 3.00% 3.90% 3.00% 4.20% Fixed Account 1.40% 1. Please refer to product guide for complete details! N/A on 90% of Premiums paid Q 0-85 NQ $,000 + % + % Yr 2+ % Yr 2+ % Chg death Months 0% 0% 0% 0% Full Accm death Call Call Surrender Charges Q 4.75% 0-75 NQ NY 7 (Q & NQ) Call for details in: % (Q & NQ) MA, OR Maximum amount allowed between the ages of is $175, State Availability Commission NY Call for details in: AL, IN, MA OR, PA NY Call for details in: MA, OR All except: AK, CA, CT, IL, IN, MN, MO, MT, NH, NJ, NY, OR, PA, UT, WA All except: CT, NJ, NY, OR, MT Trail Commissions Available 5.00% 3.65% 1.65% Trail Commissions Available Q (Q & NQ) Trail Commissions Available (Q & NQ) Q NQ NY 2.60% (Q & NQ) Call for details in: AL, IN, MA, OR, PA % (Q & NQ) Trail Commissions Available Q 0-75 NQ (Q & NQ) (Q & NQ) % Please call for details in: AL, DE, NV, OH, SC, TX IAMS has earned the right to keep my business by delivering on their promises, endless efforts and a fierce commitment to my success - Matt G. Eight years ago we transferred virtually all of our business to IAMS and we sincerely consider it to be one of the best business decisions we ve ever made. - James M *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

11 Indexed Annuities Bonus % LINCOLN TIOL LIFE Ratings: A.M. Best A+, S&P AA-, Fitch AA-, Moody's A1 Rates Effective 3/13 /2015 OptiPoint S&P 2 Year Point to Point New Directions 8 New Directions 6 Fixed Account 1.90% 2.05% (Guaranteed 6 ) TIOL WESTERN LIFE Ratings: A.M. Best A, S&P A Rates Effective 3/13/2015 S&P Annual Reset, Monthly Average, 85% NWL Ultra Future NWL Ultra Classic OXFORD LIFE Ratings: A.M. Best A- Rates Effective 3/13/2015 Royal Select Phoenix Index Select Gold Bonus S&P 1 Yr Monthly Pt. to Pt. S&P Annual Reset, Monthly Average, Participation Rate, 2.3% Asset Fee Fixed Account 2.5% S&P 1 Yr Monthly Pt. to Pt. 2.00% Fixed Account 1.25% S&P 1 Yr Monthly Pt to Pt 2.25% S&P Monthly Avg 2.25% PHOENIX LIFE Ratings: A.M. Best B+ Rates Effective 3/13/2015 Phoenix Personal Income Annuity Crediting Methods <0K >0K 5.75% 5.75% S&P Annual Reset Performance Triggered Rate S&P 2 Yr Monthly 2.35% 2.35% Fixed Account <0K >0K S&P 2 Year Point to Point 8.20% 9.% S&P Annual Reset Performance % Triggered Rate Fixed Account 2.05% 2.25% (Guaranteed 8 ) S&P 2 Year Point to Point S&P Annual Reset Performance Triggered Rate Participation Rate, 2.05% Asset Fee Fixed Account 2.1% Fixed Account 1. S&P 1 Year Pt to Pt 2.75% S&P 2 Year Pt to Pt 6.00% S&P Monthly Average 1.35% S&P 1 year participation 25.00% S&P 2 year participation 30.00% CSTMAI 1 year spread 4.15% CSTMAI 2 year spread 3.65% Fixed Account 1. S&P 1 Year Pt to Pt 2.75% S&P 2 Year Pt to Pt 6.00% S&P Monthly Average 1.35% S&P 1 year participation 25.00% S&P 2 year participation 30.00% CSTMAI 1 year spread 4.15% CSTMAI 2 year spread 3.65% **Call for details: AK, DE, FL, IA, IN, KY, MD, MN, MO, MS, NC, NJ, NV, NH, OH, OK, PA, TX, UT, VA, WA <0K >0K 7.75% 8.20% 3. Monthly 1.75% Monthly **Call for details: AK, CT, DE, FL, IA, IN, KY, MD, MN, MO, MS, NC, NJ, NV, NH, OH, OK, PA, TX, UT, VA, WA 3.00 (Less than 0K) 4.00 (0K +) N/A N/A Yrs 2-5 N/A 8.00 N/A (DE, FL, IA, IN, KY, MD, MS, MT, NH, NV, OH, OK, PA, TX, UT) 4.00 (AK, MN, MO, NC, NJ, OR, VA, WA) Guaranteed Rate 1. on of Premiums paid on of Premium on of Premium on 87.5% of Premiums Paid (0-55 in TX) on 87.5% of Premiums Paid (0-57 in TX) 1% on 87.5% of Premiums Paid 87.5% of Premiums at an interest rate of 1% 87.5% of Premiums at an interest rate of 1% Issue Ages Min Prem Call Call Call Call State Availability Commission AK, MN, NY, OR, UT Call for details in: PA & NJ 0-75 NQ 5.00% Q 7.00% Reduced *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated NQ $2,000 Q 0-85 $, $,000 NQ $2,000 Q NQ $2,000 Q $,000 - Min 350K - Max 0-85 $15, $15,000 Withdrawal Provisions + % + % + % Yr 2+ % Yr 2+ % Accumulated up to maximum in any one year Yr 2+ % + % Yr 2+ % Chg death Months Full Accm death Surrender Charges NY Call for details in NJ NY Call for details in NJ AK, AL, CT, MS, NV, NY, OR, OK, SC Call for Details in: DE, FL, IL, IN, MA, MN, NJ, OH, PA, TX, UT, VA, VT, & WA AK, AL, CT, DE, IL, IN, MA, MN, MS, NJ, NV, NY, OR, PA, SC, UT, WA Call for Details in: FL, OH, TX All except: CT, ME AL, CT, MS, MT, NY, VT, WV Call for Details: MA, MN, MO, NJ, OR, PA, WA All except: ME, NY Call for details in: HI % % 1.75% NQ 3.00% 0-70 Q 5.00% Q Q NQ NQ 0-70 Q Q 6.00% 3.95% 1.75%.00% 8..00% 8.00% % % % % Call for details: AK, MN, MO, NC, CT, DE, FL, IN, IA, KY, MD, MS, MT, NJ 7.25% 5.00% 3.00% Call for details: AK, CT, FL, IN, IA, KY, MD, MN, MO, MS, MT, NC, NH, NJ, NV, OH, OK, OR, TX, UT, VA, WA

12 Fixed Annuities Guaranteed 1st yr Rates Projected Renewal 2nd yr Rates AMERICAN EQUITY Ratings: A.M. Best A-, S&P BBB+ Rates Effective 3/13/2015 Minimum Guaranteed Rate Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm death Surrender Charges State Availability Call Commission Premier Eagle **Form number and availability may vary by state (FPDA-7-08) 14-AE % Bonus Ages 0-75 **1st 5 years 5.00% Bonus Issue Ages **1st 5 years Bonus varies in AK, DE, OK, SC, UT 2.00% *Includes 1st year bonus, assumes no withdrawals Top Bonus and Guarantee 2.00% 2.00% $2,000 Q NQ Income Rider Available! % of the contract value starting year 2 1st MO 1/12 each Mo after AL, CT, FL, IN, MN, NJ, NV, NY, OH, OR, PA, TX, WA % % Yrs 2 & % Call for details in: AK, DE, SC, UT Premier Eagle 12 **Form number and availability may vary by state 8.00% Bonus 1.20% 0-78 $2,000 Q NQ Systematic WD Yr 2+ % 1st MO 1/12 each Mo after % AK, AL, CT, DE, IN, MN, Yr 2 Bonus Vesting NJ, NV, NY, OH, OK, years OR, PA, SC, TX, UT & Yr 3 WA AE-1980 * Includes 1st year bonus, assumes no withdrawals Guarantee 5 **Form number and availability may vary by state (ICC13 MYGA) 13-AE-1980 Interest Rate 2.25% 2.25% *. less in: CA, DE, MN, PA & WA AMERICAN TIOL Ratings: A.M. Best A S&P A+, Moody's Aa3 Rates Effective 3/13/2015 Palladium Yr 2.80% Yr % MYG 9 Yr 3.70% Yr % 8 Yr 1.90% Yr % 7 Yr 2.90% Yr % 1% or IC 6 Yr 1.30% Yr % Index 5 Yr 2.00% Yr Yr suspended Yr 2-4 suspended LTGA 3 Yr suspended Yr 2-3 suspended Rates 0.1% higher on Rates 0.1% higher on $0,000+ Premiums $0,000+ Premiums $,000 NQ/Q 0-85 NQ & Q Interest Only Systematic WD and RMD Systematic WD Yr 2+ % 1st MO 1/12 each Mo after 5 No Surrender Charge during 30 day window at end of each guarantee period AL, NY Call IC Minimum Guarantee States All others except NY & UT 1.5% Minimum Guaranteed States MD, WY Yr 9 Yr 8 Yr 7 Yr 6 Yr 5 Yr 3.00% 2.% % 3.00% Reduced above age 79 I recommend Insurance Agency Marketing Services to every agent I meet. - Tim R. The knowledge available through the members of the IAMS staff has been a boom for my business. Their honesty and integrity and willingness to help has a tremendous positive impact on my production. - Steve D *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

13 Fixed Annuities Guaranteed 1st yr Rates Projected Renewal 2nd yr Rates Minimum Guaranteed Rate AMERICAN TIOL Ratings: A.M. Best A S&P A+, Moody's Aa3 Rates Effective 3/13/2015 Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm death Surrender Charges State Availability Call Commission Palladium Century % (Includes 7% Bonus) 1.30% 0.% Lower in: FL, IN, NC, TX, VT, VA, WA, WI * $5000 NQ $4000 Q *0-65 Florida + % or Systematic WD Yr 2 AL, CT, IL, MN, NJ, NY, OR, PA, UT, WA 4.00% Reduced above age 74 Trail commissions available ATHENE Life and Annuity Ratings: A.M. Best B++ Rates Effective 3/13/2015 Athene MaxRate MYGA 2.80% Nationally 2.70% in FL 2. in CA 2.80% Nationally 2.70% in FL 2. in CA (Q + NQ) None **Only Available as a rider to the contract DE, NY Call for details in: CO, CT & FL, and CA % Call for details: CA, WA EQUITRUST Ratings: A.M. Best B+, S&P A- Rates Effective 3/13/2015 Call Certainty Select LTGA year 8 year 6 year 3.00% year 3.00% 2.85% 8 year 2.85% 2. 6 year 2. 5 year 2.25% 5 year 2.25% 3 year 1. 3 year 1. 2% on 87.5% of premiums paid. Rates Vary by state $,000 NQ & Q + Systematic WD ($250 Mo minimum) *Select Rider allows free withdrawal of % Acc Value Yr 2+ (Rider not approved in NC) 0-6 Matches the length of the initial guarantee NY, OR, UT, WA *Call for details in MT,OK,OH 3 year Ages 2.00% Ages year Ages 3.00% Ages % FIDELITY & GUARANTY LIFE Ratings: A.M. Best B++, Fitch BB Rates Effective 3/13/2015 Call FG Guarantee Platinum LTGA 7 year 5 year 2. Yr % Yr % 0-90 NQ $2000 Q Interest only after 30 days ($0 Million up to 12 times a year) 1st Yr 2nd Yr Same as rates guarantee period AL, MN, MS, NY, OR, PA, WA Call for details in: CT, LA, NC, OK, TX, VT, 7 year 5 year 2. Reduce Ages FG Guarantee 7 year 3.40% Yr % Plus year 2.85% Yr % LTGA 1st year 1% bonus with MVA NQ $2000 Q Interest only after 30 days ($0 Million up to 12 times a year) 1+% 1st Yr 2nd Yr No Same as rates guarantee period AL, MN, MS, NY, OR, PA, WA Call for details in: CT, NC, OK, TX, VT, 7 year 5 year Reduce Ages GREAT AMERICAN LIFE INSURANCE COMPANY Ratings: A.M. Best A Rates Effective 3/13/2015 Call Secure American P37705NW 1.40% Q + % 1% annuitization Bonus earned each year, up to % Please refer to the product guide for complete details 0-88 NQ $,000 AK, MA, NH, NJ, NV, PA, UT & WA Q 0-70 NQ (Q & NQ) (Q & NQ) 5.75% 4.65% 4.40% *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

14 Fixed Annuities Guaranteed 1st yr Rates GUGGENHEIM Ratings: B++ Rates Effective 1/22/2015 Projected Renewal 2nd yr Rates Minimum Guaranteed Rate Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm death Surrender Charges Call State Availability Commission Preserve Multiyear Guarantee Annuity <250K 250K+ yr 3.20% yr 3.30% 9 yr 3.% 9 yr 3.20% 8 yr 3.00% 8 yr 3.% 7 yr 2.90% 7 yr 3.00% 6 yr 2.80% 6 yr 2.90% 5 yr 2.60% 5 yr 2.70% 4 yr 2.00% 4 yr 2.% 3 yr 1. 3 yr 1.60% TIOL WESTERN LIFE Ratings: A.M. Best A+, S&P A+ Rates Effective 1/22/ K Q K NQ Yr 2+ % 1st year Same as rate guarantee period NJ, NY Call % % Non-MVA States: DE, MO, OR, PA, WA 2.00% Call for details for 3, 4, and year products. NWL Future Assurance 11.21% Yield Includes % 1st Year Premium Bonus 1st Year 1.% Declared Annually (4.75% bonus to all additions yrs 2-5) NQ $2000 Q Yr 2+ % 15 AK, AL, CT, MS, NV, NY, SC, OR Call for details in: DE, FL, IL, IN, MA, MN, NJ, OH, PA, TX, UT, VA, VT, WA 0-75 NQ 5.00% NQ 3.00% 0-70 Q 5.00% Q Q. Call for commission details in: LA, WA, DE, IL, IN, MA, MN, NJ, PA, UT, TX Protector One 3.65% Yield Includes 1% 1st Year Premium Bonus First Year 1.65% 0-85 NQ 0-75 Q % of Accumulated Value each contract year Oxford Life Insurance Ratings: A.M. Best B++, Rates Effective 1/22/2015 Call yr 3.05% yr 3.05% Ages yr 3.00% 9 yr 3.00% Multi-Select 8 yr 2.95% 8 yr 2.95% 3.00% 2.00% Matches the Series 7 yr 2.90% 7 yr 2.90% AL, CA, CT, DE, 8 & % 1.75% $20,000 Min + % length of the 6 yr 2.75% 6 yr 2.75% 1-12 FL, MS, NY, VT, K Max initial guarantee 5 yr 2.60% 5 yr 2.60% WV % 0.75% 4 yr 2.30% 4 yr 2.30% yr 2.00% 3 yr 2.00% Issue age of Commission Year 1 Available: AL, AR, AZ, CO, DC, GA, HI, ID, IA, IL, KS, KY, LA, ME, MI, NE, NM, NC, ND, OK, RI, SD, TN, VA, WI, WV, WY 0-65 NQ NQ 7.00% NQ 4.75% 0-65 Q Q 7.00% Call for details in: LA, DE, IL, IN, MA, MN, NJ, PA, UT, WA Reduced in Yrs 2-5 Ever wish you had a short, easy-to-read brochure to pique prospects interests in fixed annuities and income riders? Now You Do! Call Matt today For your personalized consumer brochure Your Home For Daily Webinars iamsinc.com/webinars View all the informative webinars that we host every month. Register for one or many webinars while you are there and get started learning new ways to open doors and increase your sales. Can t make the webinar? Register anyway and we ll send you a recording! *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

15 Image - Expertise - Efficiency 29 Serving Independent Producers... Charles M. Heuring President, CEO, Founder Visit Beautiful Victoria! The Fairmont Empress Top producers and their guest will enjoy fine dining, a world renowned spa, and elegant accommodations at the historic Fairmont Empress Hotel in beautiful Victoria, British Columbia. Qualification Period: Jan. 1, 2015 through June 30, With 50 years in the business we have been privileged to participate in many incentive trips, none compare to those provided by IAMS! - Leonard D. All Expense Paid Training Academies Whether looking to add or perfect consumer seminars, client appreciation events, or Social Security Claiming expertise, past attendees will agree that the skills and ideas gleaned from past Academies have energized their business and kick started new sales opportunities. Our next all-expense paid Life and Annuity Academy will be April 22 through 24th, 2015 in West Des Moines, Iowa. The training through the IAMS Annuity academies has produced awesome results. WE WOULD NOT GO ANYWHERE ELSE! - Marc H. Branding & Marketing Services We offer a full line of marketing programs to help you generate more leads for your agency: Website Creation & Search Optimization Direct Mail & Original Design Free List Service Leads & Contact Manager Available Script Writing Assistance Marketing Reimbursement Golf Doral! Second Annual IAMS / Athene Golf Trip Producers with $1,000,000 in Athene annuity premium will enjoy gold sunny beaches, a luxury spa, shopping, and world class night life at the Trump National Doral in Miami, Florida. Qualification Period: Nov. 1, 2014 through July 31, Call for More - We re Less Than 3 Rings Away! Whether you call us for sales support, case design, training academies, product information, forms and documents, or updates on your pending business we will answer the phone in less than three rings. Call me today to learn why so many producers are happy they ve discovered the IAMS Family....One Great Relationship at a Time Steve M. Murray EVP, COO, Coowner 28 29

16 Fixed Annuities Guaranteed 1st yr Rates Projected Renewal 2nd yr Rates SENTINEL Insurance Company: A.M. Best B++ Rates Effective 7/1/2014 Minimum Guaranteed Rate Issue Ages Min Prem Withdrawal Provisions Chg death Months Full Accm death Surrender Charges State Availability Call Commission Sentinel Personal Choice THE STANDARD Insurance Company: A.M. Best A Rates Effective 7/1/2014 Focused Growth Annuity 5 Focused Growth Annuity 6 5 Yr 3.% 5 Yr 3.15% Available: AZ, 5 & 7 Year 3.00% FL 3.05% FL AR, CA, CO, FL, 2.25% 2.80% MN 2.85% MN GA, HI, ID, IA, None only 7 Yr 7 Yr 0-90 *Only Based on KS, MN, MT, NE, % FL 3.15% FL $2,500 available as a Guarantee NV, NM, NC, ND, **Only Available *Unless Period 2.95% MN 2.95% MN rider to the OK, OR, SD, PA, as a rider to the added as a year (OK) contract TX, UT, WY Yr 3.55% Yr 3.65% contract rider 2.75% 3.45% FL 3.55% FL 3.05% MN 3.35% MN *Call for details % in: FL & MN Call For details for FL & MN Call For details for FL & MN $15K+ $0K+ $15K+ $0K+ 2.15% 2.25% $15k+ $0 k+ 2.15% 2.25% Guaranteed years % $15K+ 2.35% 2.45% $0k+ 2.45% 0-90 $15, $15,000 Multi-Year Rate + interest payments + interest payments No No 5 6 Call NY NY 3.00% Guarantee Annuities! 0.40% 2.00% % Guaranteed Period / AM Best Rate Average Commissions Surrender Company Product 1st Year Rate Rating Thereafter (Some Reduced at Annual Yield older ages) Duration 3 Guggenheim $250K+ ** Pres. Multi-Year Gaurantee B % 1.60% 1.60% 4 Guggenheim $250K+ ** Pres. Multi-Year Gaurantee B++ 2.% 2.% 2.% 1.75% 5 Sentinel Security Life Personal Choice 5 B++ 3.% 3.% 3.15% 2.25% 6 EquiTrust Certainty Select B % 6 Guggenheim $250K+ ** Pres. Multi-Year Gaurantee B % 2.90% 2.90% 2. 7 Sentinel Insurance Co. ** Sentinel Personal Choice B % 8 Guggenheim $250K+ ** Pres. Multi-Year Gaurantee B++ 3.% 3.% 3.% 2. Guggenheim $250K+ Pres. Multi-Year Gaurantee B % 3.30% 3.30% 3.00% **Rates slightly lower for amounts -$250,000 QLAC Questions? Get your answers from IAMS with 2 free white papers on the QLAC ruling and QLAC alternatives. Trouble keeping up with an ever-changing industry? Let IAMS keep up to date by joining us at a life and annuity academy. Call today to apply! *Strategy not approved in all states. Not all products and features available in all states and are subject to change. For agents use only. Not intended for soliciting annuity sales from the public. Last Updated

17 True Turnkey Solutions Celebrating Our Top Producers! The Conserve, Protect and Enhance Seminar Sales System has generated millions in annuity premium. Unlock Matt Gill s easy method to communicate the features and benefits of both life and annuity products. Whether you are a seasoned seminar producer or just want concepts and materials that will elevate your one-on-one appointment success, Matt s system will work for you. To Succeed You Need More Than a Seminar, You ll Also Receive: Access to Annuity Sales Training Multiple Client Focused Brochures Multiple Versions of Client Proposals One Page Fact Finder On-going support including system updates and future enhancements. This Turnkey System Includes: Complete Consumer Seminar Presentation. One on One Presentation Book. Full Length Video of the Presentation. Complete Step-by-Step Instructions. Personalized Handout Folder. Complete Scripts. Invaluable Sale Closing Tools & Script. You Ready to Take a BIG STEP Forward? Matt Gill President In Beautiful Cabo! 32 Insurance Agency Marketing Services 33

18 Sagicor Life Caution: Hot Product Income 150+ TM 20% 15% 15% + Issue Ages 18 to 85 Simplified Underwriting Immediate Issue ROP % Bonus No Max Premium or Death Benefit (APS Ordered with Premiums over $500,000) Accelerated Benefits for Terminal and Chronic Illness FREE Consumer Sales and Marketing pieces for Contracted Agents plus Leads when you Contract! Call IAMS Today! NEW IAMS Offering FA7283 (-14) Give your retirement savings a jolt with the Income 150+ TM fixed index annuity, which provides up to four boosts in income base. 1,2 Income Base Boosts: For more infromation call of initial premium Income boost #1 = 20% of premium 1,2 Income boost #2 = 15% of premium at start of year three 1,2 Income boost #3 = 15% of premium at start of year five 1,2 PLUS 1 total interest credits boost at start of year ten 1 Boosts are based on the premium amount and applied to the Income Base (income value). Boosts are only credited if income has not yet begun. The income base and income boosts are not available on cash surrenders or as death benefits. 2 Withdrawals taken prior to income activation reduce the Income Base, and premium base proportionately to the resulting decrease in contract value. Any further boosts will be based on the new premium base. Guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the benefit rules. Forethought is Forethought Financial Group, Inc. and its subsidiaries, including the issuing company of Forethought Life Insurance Company. Income 150+ fixed index annuity, issued by Forethought Life Insurance Company is available in most states with Contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Products and features are subject to state availability and variations. Read the Contract for complete details. 34 Insurance Agency Marketing Services 35

19 Your Access Point For the Best Med Supp Rates in Your Area! Asset Transfer Products Baltimore Life s Qualified and Non Qualified Compare the Features and Benefits of Each Product Ideal Single Premium Source Secure Solutions After Tax Cash Vehicles (CD, Money Market, 35 Exchanges) Generation Legacy Qualified Plans Issues Ages Underwriting Classes Point of Sale Underwriting Non-tobacco and Tobacco Level 1: Standard - Table 4 Level 2: Table 5-8 YES - Over 90% point-of-sale decisions Non-tobacco and Tobacco Standard - Table 4 YES - Over 90% point-of-sale decisions Minimum Premium Benefits of IAMS Support Top Commissions Paid in a Timely Mannor Full Back Office Support - Real/Live Phone Answers Free Turning Age 65 Leads Rates at Your Fingertips - Call Discounted Direct Mailers Get connected! Call Tim at Partial Withdrawal Options Maximum Face Amount If Needed If Needed Loans If Needed If Needed Accelerated Death Benefit (Included at issue in approved states) Terminal Illness - 95% Nursing Home - 90% Extended Care / Home Health Care / Adult Day Care - 80% $250 Admin Charge Partial Acceleration Available Maximum Net Amount at Risk: Level 1 (Standard - Table 4) $250, $150,000 Level 2 (Table 5-8) $200, $130,000 Terminal Illness - 75% Nursing Home - Extended Care / Home Health Care / Adult Day Care - $0 Admin Charge and 8% interest on ADBR lien deducted from face amount of whole life policy SPIA single premium that purchases up to $450,000 for whole life policy Death Benefits Face amount of SPWL Face amount of whole policy and remaining payments from SPIA 36 Baltimore Life Generation Legacy policy forms 8243 and 8244, rider forms 8245 and 8247, and state specific variations, and SPWL policy form 7982, rider form 8014, and state specific variations, where applicable. Product not available in all states. FOR IMO/AGENT USE ONLY. NOT FOR USE IN SALES PRESENTATIONS. 37

20 There is one in every crowd! Reposition Lazy Assets Mark Ramaekers, CLU Vice President Life Sales Director Picture this if you would, you get up and start your day just like you would any other day. You make calls to schedule new annuity appointments, you have your initial fact finding appointments, you have your closing appointment, complete paperwork, deposit commission checks in the bank etc, etc. Life is good! All of a sudden you hit a slump! You have little to no appointments and none of your prospects are signing applications. It s stressful because you were on a roll but the bills must still be paid and the next few weeks look pretty bleak. IAMS can help you break out of that slump with one of our many annuity alternative products designed to reposition lazy assets. Every agent that has written an annuity has at least one client that can qualify. These products are simple to issue with no exam and provide the following benefits they may not enjoy with an existing annuity: Up to 12% premium bonus Up to 3% guaranteed interest 25 year average rate of 5.7% return of premium available Valuable long term and home health car benefits With our uniquely designed marketing pieces, you ll get the conversation started and have your clients asking for more. Call me for your ice breaker marketing kit. Up to 15% commission for you Want Prospects To Call You To Buy Life Insurance? Innovative new system connects interested buyers directly to your phone! Call for availability in your area Top Producers Escape August 3-7, 2016 Victoria, British Columbia Qualify with Any Combination of: $2,000,000 Annuity Premium $1,500,000 SPWL Premium $175,000 Life Target Premium $1,000,000 Medicare Supplement Premium $400,000 Long Term Care Premium Qualification Period: Jan. 1, June 30, 2016 Get your Passport ready for two tickets to Elegance! Every trip is the best one yet - great places, great people, exceptional every time - John F. South Dakota Trip awarded at discretion of Insurance Agency Marketing Services, Inc. to producing agents only; both credits and award are NON-TRANSFERRABLE. Agents must be in good standing and currently appointed with the company. Award includes airfare, hotel and selected activities. No financial or other considerations available in lieu of attendance.

21 Hands Free Client Touches! Keep yourself in front of your clients regularly, efficiently and extremely cost effectively. Quarterly Newsletter $1.00/contact including first class postage Fully Automated - Zero hassle! Websites- 2 choices Plug-n-Play - Includes printable/ able newsletter Fully Automated -Zero Hassle! Second Annual IAMS / Athene Annuity BUNKERS & BEACHES BLOWOUT September 13-16, 2015 Only $1,000,000 Athene Annuity Premium November 1, July 31, 2015 Golf, Sunny Beaches, Luxury Spa, Shopping & World Class Night Life! Recipe Cards 37 C/contact including postage! Fully Automated - Zero Hassle! Full Scale - Includes custom design and SEO services ETouch Client Database Tool Proprietary design tailored to your business Personal Secretary feature allows you to record and plan by phone with your personal attendant. Fully Automated - Zero Hassle! Our support and buying power enhances your professional image efficiently. Call Today and Let s get Started! Call today for details: Trip awarded at discretion of Insurance Agency Marketing Services, Inc. to producing agents only; both credits and award are NON-TRANSFERRABLE. Agents must be in good standing and currently appointed with the company. Award includes airfare, hotel and selected activities. No financial or other considerations available in lieu of attendance. Insurance Agency Marketing Services 41 40

22 Make Life Easier The ATHENE Benefit SM Non-Med to $400,000 Quick and easy application process No medical exams or invasive tests Streamlined automatic underwriting Approval in only days Preferred Rates and Great Commission E-apps What more can you ask for? Sandy Vacanti Supervisor Of Producer Services Call Sandy today for your quote and product details: NonMedical term and No LapseLife insurance is available in -, 15-, 20-, and 30-year terms with coverage up to $400,000 A For agent use only. Not for use with general public. Product availability, rates and features may vary by state. Policy form no. I L0760, underwritten by Assurity Life Insurance Company of Lincoln, Nebraska. Great Benefits for Clients/Great Benefits for you! 8 % Total 3 % Commission OR Year 1 FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES. *Effective January 2, Athene Benefit with Enhanced Benefit Rider issued by Athene Annuity & Life Assurance Company, Wilmington, DE. Product/features not available in all states. Contract contains exclusions, limitations and charges. Please see producer spec sheet for details Uncapped 7.0% rollup for years and 5% until age 85 (that s a potential 55 years of rollups!)* PLUS - A % bonus on income if elected in the first 6 years income increase if your client is unable to perform 2 of 6 ADLs Generous enhanced death benefit included Benefit Base payout for healthcare confinement and terminal illness 6 % Premium Bonus* Dollar for Dollar Reduction for RMD s! Option A 6% 1st year 1% years 2-3 1% of Accumulated Value Every year policy is in forced Bunkers & Beaches Blowout Eligible Product! Only $1,000,000 of Annuity Premium to Qualify! See page 41 or go to iamsinc.com/incentives for Details! Need RMDs & Death Benefit? Call for your power packed industry exclusive illustration! ATHENE ANNUITY Option B

23 Equitrust has the tools to Help You Connect to Single Premium Life Sales Sitting on a Goldmine? Basic Protection Each Client Should Consider WealthMax Bonus Life TM 12% Premium Bonus Indexed Life Chassis Up to 9% MGA tommission 1 Return of Premium Visit for Life Sales Assistance WealthSure Life TM 3% Guaranteed Interest Up to 15% MGA Commission 2 Whole Life Chassis WealthPay Life TM For Qualified Plans Index Whole Life 11% MGA Commission 3, 5, Pay Plan NEW Both plans provide accelerated care and confinement benefits and generally issue within 48 hours. Call Mark today for a Million Dollar presentation guide! 1 Street level through applicant age 75; 8.5% ages 76-80; 6.5% ages Street level through applicant age 65; 14% ages 66-80;.5% ages WealthSure Life is a single premium whole life insurance policy. WealthMax Bonus Life is a single premium index life insurance policy. Not available in all states. Policy may vary by state. Guarantees subject to the claims-paying ability of EquiTrust Life Insurance Company. Policy issued on form series ETL-ISWL-2000(01-) and ETL-IUL-2000(08-), and rider ETL-ADBR(05-). Both products are issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. For Producer Use Only. AC14-WSM Once your client understands the need to protect selected assets, you ll have the solution! NGL Funeral Trust Expense $500 $15,000* - May protect funds from Medicaid spend-down - Guaranteed Issue - Excess funds go to the estate of the insured - Issue ages 0-99 NGL Planning Trust $500 $0,000* - Funds excluded from Medicaid spend-down after 5 years - Guaranteed Issue Quite often funded with existing life insurance or annuity values. Call Brandon today, and ask for The Top Reasons to Fund Your Funeral In Advance! A great reason to schedule a visit with your annuity clients! *Individual state regulations, including product availability and allowed maximum or minimum, may vary by state. Brandon Johnson Life Sales Director Insurance Agency Marketing Services 45

24 Keep the Difference Makes a Difference! Qualified Leads Are In Your Hands! Sandy Vacanti Supervisor Of Producer Services Power Select Plus Income SM Index Annuity With Lifetime Income Plus SM Guaranteed Living Benefit Rider Up to a 5 % Premium Enhancement* A unique opportunity to become part of the elite distribution team! Keep the Difference guarantees rising income for the first contract years, when withdrawals are taken within the terms of the rider Up to a 6.5% Income Roll-Up for the first contract years Guaranteed to double the income base to 200% of eligible premiums after contract years if no withdrawals are taken Highly-rated household name carrier Ask us about the competitive commission and production bonuses now available! Access to 2 new no cap strategies Learn more about this exclusive product! Guarantees backed by the claims-paying ability of American General Life Insurance Company. *Annuities, riders, age restrictions and premium enhancements may vary by state and are not available in all states. Lifetime Income Plus is included with the contract for an annual fee of 1.%, except in MN, where the fee is American General Life Insurance Company (AGL) is a member of the American International Group. Inc. (AIG) family of financial services companies. For information on American General Life Insurance Company s ratings, visit Important Notes: Index annuities are not a direct investment in the stock market and may not be suitable for all clients. Withdrawals may be subject to withdrawal charges and taxes. Clients should consult their tax advisor regarding their specific situation. The Income Base is the amount on which lifetime withdrawals and the rider fee are based. It is not a liquidation value, nor can it be taken as a lump sum. Eligible premiums are all premiums made in the first 30 days of the contract and do not include income credits. The Income Base is initially equal to the first eligible premium; it is adjusted for excess withdrawals and is increased each time an eligible premium is made. On each contract anniversary, the Income Base can increase to the greater of: 1) the anniversary value if it is higher than all previous anniversary values; or 2) the Income Base plus any available income credit. On the th contract anniversary, the Income Base may be increased to the Minimum Income Base (200% of eligible premiums) if no withdrawals have been taken from the contract. Annuities are issued by American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by AGL are its responsibility. AGL does not solicit business in the state of New York. FOR AGENT USE ONLY. NOT FOR DISSEMITION TO THE PUBLIC. AGL and AIG are not affiliated with Insurance Agency Marketing Services. I5401AD2 (6/14) We all have clients with qualified funds who dread required minimum distributions they don t want the income, and they hate the taxes they or their heirs will pay. Offer them a program that will defuse the dreaded taxation, increase their estate, eliminate taxation to their heirs and offer them the nursing home, home health and terminal illness benefits that they do want... and you will earn up to a 14% commission. Call now to receive our SPL Marketing Tool Kit or let us design your custom quote - you ll be amazed by the opportunities in the palm of your hands. Call today for details: Looking for a solution on a life case or support on your pending life business? Expect nothing but top rate service from our professional life team. I guarantee you ll be impressed! Life Marketing Tool Kit With our Turn Key Marketing Tools we offer everything you need to generate interest, present the product, and make the sale! Find the Prospect: Start with a pre approach letter or a customizable tri fold brochure. You could also put an ad in the paper or send out an informative personalized flyer. Present the product: We will provide you with training, client illustrations, product brochures, marketing tools, flipcharts, power point presentations and even an exclusive Life vs. Annuity calculator tool. Call to get started today! FOR AGENT USE ONLY. Agents must be actively contracted with participating Insurance companies under the hierarchy of IAMS in order to gain access to all of the advertised marketing tools. Mark Ramaekers, CLU VP, Life Sales Director 46 47

25 Uncapped Strategies Revealed Annuity VS. Alternative It s not Homeruns - It s Doubles & Singles Whether you love them or hate them, uncapped strategies were all of the rage in While criticism has been aimed at spread costs and volatility controls, these strategies have been homeruns in the sales popularity contest. On the surface uncapped has the homerun sound to it, but a closer examination of the benefit of volatility control reveals a potent value for conservative, realistic savers. A glance at how these perform across tougher markets reveals that these strategies have hustled hard and produced consistent positive results. Take a look at the best and worst year periods over the last twenty years on some of the currently available uncapped strategies (these numbers are net of current spreads): Highest Year Often we sell uncapped strategies as a means to knock it out of the park in the good years. Realistically, we should let our clients know the benefit of these strategies is not only the uncapped upside, but the controlled downside. Homeruns are great, but the key to long term strong results is the timely doubles and singles scored against tough markets. Call me today for your case design needs. Our Annuity Quote Engine illustrations have been a great asset to our top producers. Lowest Year Company A Strategy % 2.58% Strategy % 3.77% Company B 5.73% 1.68% Company C 4.39% 3.27% Company D 5.71% 1.35% Dan Berkland Annuity Marketing Coordinator Don t Stop at NO......Start a YES Conversation When your prospect says NO to: Tax-Deferred Growth Free of Market Risk Premium Bonus They ll often say YES to all of these additional benefits: Immediate Increase in Estate Value Income Tax-Free Death Benefits Accelerated Benefits for Terminal Illness, Nursing Care, or Chronic Care FULL Liquidity with a Return of Premium Option Guarantees Probate Avoidance Free Withdrawals Call Brandon today for your free whitepaper: Don t Leave Money on the Table, and your personalized, simple-to-use single premium life presentation. Put More in Your Future. Brandon Johnson Life Sales Director 48 Insurance Agency Marketing Services 49 48

26 What A Great Idea! a highly competitive fixed indexed annuity Matt Tooher Vice President Annuity Sales Director 12 % Bonus* *Bonus paid over 3 years 8.5 % MGA Commission 6 allocation strategies: 5 index and 1 fixed account Full accumulation value at death 0-75 issue age, no commission reduction Nursing Home Waiver** No annuitization required Income Rider Available: 6.5% Rollup Rate Guaranteed Up to! Only 75 Basis Point Annual Fee! **Nursing Home Waiver not available in MA. Surrender of the single premium deferred annuity contract may be subject to surrender charge and Market Value Adjustment. Underlying guarantees are subject to the claims-paying ability of EquiTrust Life Insurance Company. Withdrawals before age 59 1/2 may result in a % IRS penalty. Withdrawals do not participate in index growth. Product not available in all states. Contract issued on Contract Form Series ET-MPP-2000(02-05) with ET-AVBR(06-09), with Group Certificates issued on ET-MPP- 2000C(01-07) with ET-AVBRC(06-09). Income rider provisions and availability may vary by state. Rider issued on Form Series ET-IBR(06-08). Riders may not be approved in all states. EquiTrust Life Insurance Company, West Des Moines, Iowa. For producer use only. MarketTwelve Bonus Index from EquiTrust Life Insurance Company AC14-M EquiTrust bonus & competitive rollup rates make for tremendous guaranteed income - Call Matt for your comparison! 50 Traditional Life Hot Spots! Mark Ramaekers, CLU VP, Life Sales Director Every producer has go-to products for certain situations or special cases. Like you, we have learned that certain products offer the best fit for particular needs. Many of our producers have been pleased and surprised at just how well the below products work for them in these situations. Annuity or Roth Alternative - It is hard to beat the Omega Builder from Minnesota Life. This product provides for an abundance of cash accumulation for a tax free retirement and a tax free transfer of assets at death. Term Alternative to Age The North American Custom Guarantee Generation 8 is the perfect blend of permanent protection with term like rates. With its accelerated benefits, no lapse guaranteed feature and death benefit to age 120, your client gets the best of both worlds. All In One Family Plan - Look no further than the Executive Universal Life with American National. This non-medical plan covers the entire family on one policy with guaranteed not to lapse premiums and death benefit. LTC Solution - John Hancock s Protection UL often leads the industry with the LTC rider for a total premium that is often less than the leading competitors guaranteed UL products without L.T.C. coverage. With either a 1, 2 or 4% monthly accelerated benefit your clients can rest easier knowing they have meaningful L.T.C. benefit, while still having a tax free death benefit if the rider is not needed. Don t just take my word for it, call us today with a competitive quote and see why our go-to products will soon become your favorites as well. Now Available! Guarantee-Issue Whole Life Insurance Agency Marketing Services 51

27 New and Improved During your first 180 days with IAMS your production earns you the 0,000 Level New Producer Bonus right to choose any one of our fabulous New Producer Incentives. 500,000 Level $ Cash Bonus 2-year subscription to website and newsletter service ipad (latest generation!) 5,000 piece mailing and seminar coaching with Matt Gill 4,000 piece mailing and seminar coaching with Dave Pimper Ritz Carlton Travel Rewards. Make your own personal getaway! -OR- -OR- -OR- -OR- -OR- Full Social Security Program & 3,000 piece postcard mailing 300,000 Level $2,000 Matching Marketing Money to promote your business -OR- $1,500 Gift Card! Qualify with Any Combination of: $0,000 Index Annuity premium equals 0,000 points (1:1) $200,000 SPIA & MYG Annuity premium equals 0,000 points (5:1) $0,000 SPL premium equals 0,000 points (1:1) $,000 Target Life premium equals 0,000 points (:1) $20,000 Term Life premium equals 0,000 points (5:1) I signed my contract with IAMS in 1989 and have had continuous exceptional service since. I am rich because of my relationship with Charles and IAMS. Enough said... - Dennis D. Bonus payable upon request, based on Level you choose on business submitted within 180 days of contract with IAMS. Contract restrictions may apply. This bonus is in lieu of any other applicable cash bonuses. Transfer or rollover must be received within 90 days of submission. This incentive is subject to change at IAMS discretion. For agent use only. Not for use with the general public. 52 /incentives 53

28 Carrier INDEX Insurance Agency Marketing Services proudly represents these and other fine carriers: ANNUITIES Allianz Life Insurance Company of North America American Equity American General American National Americo Athene DE Athene IA EquiTrust Fidelity & Guaranty Life ForeThought Genworth Gleaner Great American Life Guggenheim Mutual of Omaha Liberty Life of the Southwest Lincoln National Life National Western Life Insurance Company North American Company for Life and Health Insurance Oxford Life Phoenix Life Principal Sentinel Life The Standard LTC Genworth John Hancock Mutual of Omaha/United Experience Counts! of Service to the Independent Producer Community LIFE INSURANCE Aetna Accordia Allianz Life Insurance Company of North America American National / American National of NY American General Americo Assurity Life / Assurity Life Legacy Baltimore Life Banner Life EquiTrust Fidelity & Guaranty Life Foresters Gerber Life Genworth John Hancock / John Hancock of NY Kemper Lafayette Life Lincoln National / Lincoln National of NY Minnesota Life / Securian of NY National Guardian National Western North American Company for Life and Health Insurance One America Oxford Life Phonix Prudential Protective Sagicor Security Mutual Transamerica Sentinal United of Omaha / Mutual of Omaha Voya MED SUPP American Continental Forethought Gerber Oxford Life United of Omaha Stonebridge 54 Return today and put the IAMS team to work for you! Call or Return Card & Put the IAMS Team to work for you! INSURANCE AGENCY MARKETING SERVICE INC PO BOX 750 BOYS TOWN NE POSTAGE WILL BE PAID BY ADDRESSEE BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 871 BOYS TOWN NE NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES

29 Contact me to learn more: Interest earned in you fixed index annuity contract is tax-deferred. Potential interest accumulation based on changes in one or more indexes. Principal and credited interest are protected. Guaranteed income protects from outliving your assets. If you pass away before annuity payments begin you may help provide for your loved ones. Accumulation beings when you purchase Several different payout options based your annuity. The annuity earns a on your personal needs will be offered. fixed rate of interest that the insurance You can always take income in the form company guarnatees or an interest rate of scheduled annuitization payments of a based on the growth of an external index. period of time, including your lifetime. Fixed Index Mutual CD s Stocks Bonds Annuities Funds Guaranteed Safe No No No Protected Against Loss No No No No Tax Deferred Growth No Provide Lifetime Payment No No No No Bonus No No No No Financial Legacy to Heirs No No No No Lifetime Income for Nursing Care No No No No Protection Against Admin Fees No No No At age 62, you may be eligible to receive Social Security benefits. Keep in mind, however, that if you start taking benefits at this age, your benefits are reduced by a fraction of a percent for each month before your full retirement age (which varies depending on your birth year). As you may know, Medicare is federal health insurance for people 65 or older and for those under 65 with certain disabilities. Starting three months before your 65th birthday until three months after you turn 65, you can sign up for Medicare benefits. Or, if you re already receiving Social Security benefits, in most cases you ll be automatically enrolled in Medicare. You can learn more by visiting: Starting in 2015, pre-retirees age 50 and over can contribute up to $18,000 PLUS up to $6,000 in catch-up contributions (if allowed by employer) to their 401(k) plan. If you retire at age 55 or older, you can potentially take distributions from your 401(k) or other employer-sponsored retirement plan without incurring penalties. You can avoid the usual % federal tax penalty on early withdrawals, but note that you ll still owe income taxes on these distributions. Once you hit this half birthday, you may take IRA withdrawals without getting penalized. Traditional IRA withdrawals are taxed as income. Roth IRA distributions are tax-free and penalty-free if the Roth IRA has been held for at least five years. Branding Print Digital Logo - Message - Identity Business Name XYZ Company Business Name Business Name businessname@gmail.com ww w.businessname.com 1234 Mains treet An ywhere, USA Business Name 1234 Mainstreet An ywhere, USA Business Name ww w.businessname.com 1234 Mains tree t Anywhere, USA ABC Company 1234 Mains tree t Anywhere, USA Logos Business Cards Stationery Retirement Roadmap Points of Interest Age 55: Review Life Insurance As we go forward in life our financial worries change. Does our Life Insurance over match these needs? Is our cash value working for our best interest or the Age 18 to 25: Make yourself save money. insurance company s? When you begin working Age start 50: a discipline of saving part of your income. Set future goals and save until Age 60: Have we really protected our Happy Age 45: Possible entry into Empty Nest can be you a can afford large purchases with cash. The Retirement? preservation phase of life. good thing! healthy habit of savings will pay huge dividends in We are closer than ever to the day we have dreamed the future. about since we began working. Is our Happy Retirement assured or are we hoping the next big Age 18 to 65: Purchase a smart Health Age 55: drop in the stock market is still many years away. Are Review Life Insurance Age 25 to 45: Insurance Plan. we spending the night in Protectionville where we Index Universal Life A smart health insurance plan will protect you sleep without worry or are we questioning the advice Insurance: Tax Free Income? and your family from having to deplete retirement and wisdom of our broker? SAFE can only mean savings in the event of a major medical emergency. PROTECTED. Age 60: Age 25 to Retirement: Take the Free money Have Age we really 62 to protected 63: Social Security Questions. our Happy (401k or IRA) Is taking Retirement? my Social Security early the right move? Age 62-63: What are the ramifications Contribute to your company s 401k plan at least up Social on income Security in Questions. later years? What about my wife and spousal benefits. Should I Age 25 to Retirement: to the maximum that the company will match. This wait for full benefits or even age 70? Take the Free money is free money. There is Age risk 18 in the to 65: stock market but (401k or IRA) also great reward. Purchase You are young a smart enough Health to be able Age 65: Medicare Decisions. to weather the tough times. Insurance If your Plan employer does At age 65 you will receive Medicare Part A not have a 401K plan then open an IRA. automatically, but should you defer taking Part B? If you accept Part B do you also purchase a Medicare Age 25 to 45: Index Universal Life Insurance: Supplement or a Medicare Replacement Plan? Are we Tax Free Income? Age 18 to 25: Age 65: still working and have Medicare company Decisions. coverage, and is that Consider using the balanced of your 401k Make yearly yourself save the right way to go? contribution limit (after company match) to money. purchase an Indexed Universal Life Insurance Retirement Day: Plan. A properly designed IUL policy can help Are all of the monies I am going to rely on for my pay children s college education and/or provide retirement income guaranteed to be there at age significant tax-free supplemental income. Retirement Retirement Day. 75, age 80, age 85, or even age 0. Can I outlive my retirement money? Can I sleep at night no matter Company Name Age 45: Empty Nest can be a good thing! what happens in the stock market today? We are locally owned and As children leave home and finish school now is the time to super charge retirement contributions The Day to Be Named Later: Estate Questions. family opperated. We have if financially feasible to make sure you hit your Do I want to leave a financial legacy. Tax issues? Age 70 1/2: been helping individuals, retirement goals. Age What 70 1/2: is RMD What is RMD families, and buisinesses Age 50: Possible entry into preservation What is RMD and when does it start. Do I have to take throughout Texas and Louisiana a RMD? What are my RMD options? phase of life. What if I don t need the money for income? for more than 30 years. There are three financial phases of life we go through; Accumulation, Preservation and Distribution. At least ten years before we retire we Company Name need to begin to move our retirement savings from higher risk/greater reward vehicles into SAFE 1234 Mainstreet Anywhere, USA protected plans. The big question you need to ask businessname@gmail.com yourself is how much of my retirement savings can I lose to the market and still retire with the life style I have been planning for my whole life. Accumulation Preservation Thank You Thank You hank You Thank You Thank You Thank You You Thank You Thank Y We Appreciate k You Thank You Thank Your Business ank You Thank You Tha Thank You Thank You Retierment Income Concerns facing your reirement income 1. Outliving or running out of money 5. Rising health care cost 2. Paying too much in taxes 6. Not having anything left for family 3. Decreasing interest rates 7. Losing spouse s income 4. Volatility of the stock market Protection Phase 1. Retirement 2. Preservation of ital 3. Removal of Market Risk 331 Newman Springs Road Building 1-4th floor - Suite 143 Red Bank, NJ Main Office: Cell phone: Proper Protection in Your Retirement Specializing in Retirement Asset Protection 4. Tax Advantaged Growth 5. Smooth Transition of Assets to Heirs Program Host: Gregory C. Boles 6. Conservative Growth Sponsored & Presented by: Vista Financial 331 Newman Springs Road Building 1-4th floor - Suite 143 Red Bank, NJ Main Office: Cell phone: Are You On The Right Path To Retirement? We ll Make Sure You Are. Here at ABC Company we will do our best to make sure that you are on the right path to a better retirement and to ensure your loved ones will be taken care of when you are gone. Retirement Roadmap Company Name, Logo, and Information Find your way to retirement. Company Name WE INVITE YOU TO OUR CUSTOMER Appreciation Dinner MONDAY MARCH 1, 1234 Hours: 5:30 pm -?? 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30 Life Insurance Product Portfolio (Sample Listing - Please Call for Complete Listing) Assurity Baltimore Life EquiTrust National Western Life Insurance Company Oxford Life Legacy Estate Maximizer Secure Solutions WealthSure Life WealthMax Bonus Life NWL Lifetime Returns Select Advanced Wealth Transfer TM Type Whole Life Whole Life Whole Life SPIUL EIUL Whole Life Premium Bonus No No No No No Return of Premium No No No * No Payment Options Single, 3, 5 or Pay Single Single Single Single, 5 or pay Single Issue Ages Pay Single Pay, 5-Pay Minimum Premium Amount to buy $,000 without $,000 without $20,000 Premium $25,000 D. B. D.B approval approval Death Benefit Free Withdrawals 5% of Accum. 5% of Accum. Value yearly Value yearly % after year 1 Terminal Illness Nursing Care 90 Day Elim. Chronic Care/Home Health Care (2 of 6 ADL's)* Underwriting Table 4 Standard Table 4 Standard Table 4 Standard Table 8 Substandard Table 8 Substandard Table 4 Standard Table 5 Table 4 Phone Interview Non Medically UW Average Turnaround 72 Hours Immediate Issue 48 Hours 48 Hours Instant Decision Immediate Issue Commissions Ages: % Ages: % Ages: % Ages: % Ages: 5 14% Ages % Ages: % 12%-4%** Ages: % per year Ages: % Ages: % Ages % Ages: % 2nd to Die No No No No No A Product availability, rates and features may vary by state. *Policy Form No. I L0730 is underwritten by Assurity Life Insurance Company, Lincoln, Neb. * May not be approved by all carriers in all states Sandy Vacanti Brandon Johnson Cynthia Boettger Mark Ramaekers * Rider not available in all states. Single Pay only. ** Based on Level 3 agent contract for Single Pay and varies by age. This material is CONFIDENTIAL AND FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. Any other use of this information is NOT authorized. The policy descriptions referenced in this material may not relate to the most current version of the policy. This comparison provides a very brief description of some of the important features of these products; only actual policies can provide detailed and exact information. Refer to the policy for complete details, limitations, state variations and exclusions. /SPL LI306P Ref. AW242C Rev OLIC2012 Build Your Brand! IAMS Producer Brand Development Services Branding Logo Message Identity Print Brochures Cards Mail Digital Websites Media Downloads