The document describes an annuity product called the Ultra Future FIA that offers a 10% bonus on premium payments. It includes a withdrawal benefit rider that provides an additional 5% bonus on the income account value and guarantees annual growth of 5% until lifetime income payments begin. The rider guarantees lifetime income payments based on the income account value and the owner's age at election. For example, a 72 year old could receive guaranteed annual withdrawals of 6% of their $146,772 income account value for life.

1. Withdrawal Benefit Rider (the
Income Outlook Plus 5) & the
Ultra Future FIA
15% Bonus! Lifetime Income and
Amazing Liquidity

2. The Ultra Future FIA
10% Bonus that is 100% vested from the first day
3 Crediting Strategies
S&P 500 Annual Reset Monthly Average
S&P 500 Annual Reset Monthly Point to Point
Traditional Fixed Account

3. The Ultra Future FIA
Liquidity
10% Annual Penalty Free Withdrawal
Interest Only Available After 1 Year
Can be Annuitized After the 5th Policy Year for as
Short as a 5-Year Period Certain.

4. The Ultra Future FIA
Surrender Charges:
19.25-18.5-17.75-16.75-16-15.25-14.5-13.5-12.75-12-10-8-6-4-2-0% (15 years)
Death Benefit = Full Accumulated Value

5. Minimum Guaranteed Contract Value Income Account
Surrender Value Value
Depends on Depends on 5% Bonus
product credited rate 5% Interest Rate
each year (0.75% Annual
Charge)

6. Minimum Guaranteed Contract Value Income Account
Surrender Value Value
Depends on Depends on 5% Bonus
product credited rate 5% Interest Rate
each year (0.75% Annual
Charge)
Greater Of
When you are ready to elect income, the Company will
look back and guarantee you earned at least 5% on your
Income Account Value (IAV). If Contract Value is
larger, your IAV will step up to the Contract Value.

7. WITHDRAWAL BENEFIT RIDER
• Creates a new Income Account. The Income
Account receives a 5% Bonus that is also
included in the Contract Value. This bonus
vests over time. 25% in year 8, 50% in year 9,
and 100% in year 10.
• The Income Account Value is then guaranteed to
grow at 5% Interest each year until the owner
elects to receive lifetime income.
• Annual rider charge is 0.75%.

8. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE
ULTRA FUTURE
 The Power of 10%… Plus 5%!
 10% Premium Bonus + 5% Bonus and 5% Income Account Annual
Growth Rate
Income Account $117,700
Value After 1 Year
10% Premium $110,000
Bonus
Initial Premium $100,000

9. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE
ULTRA FUTURE
 The Power of 10%… Plus 5%!
 10% Premium Bonus + 5% Bonus and 5% Income Account Annual
Growth Rate
Income Account $117,700
Value After 1 Year
Initial Contract
10% Premium
Value $110,000
Bonus
Initial Premium $100,000

10. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE
ULTRA FUTURE
 The Power of 10%… Plus 5%!
 10% Premium Bonus + 5% Bonus and 5% Income Account Annual
Growth Rate
Income Account $120,750
Value After 1 Year
Initial Contract
5%Bonus 10% Premium
from Rider Value $115,000
Bonus
Initial Premium $100,000

11. WITHDRAWAL BENEFIT RIDER COMBINED WITH THE
ULTRA FUTURE
 The Power of 10%… Plus 5%!
 10% Premium Bonus + 5% Bonus and 5% Income Account Annual
Growth Rate
Income Account $120,750
Value After 1 Year
Initial Contract
5%Bonus 10% Premium
from Rider Value $115,000
Bonus
Initial Premium $100,000

12. Income Account Value Using Ultra Future

13. Income Account Value The rider includes a table of guaranteed withdrawal percentages
Using Ultra Future based on the attained age of the owner when they elect the
lifetime income benefit.
Attained Age
60-64 = 5.00%
65-69 = 5.50%
70-74 = 6.00%
75-79 = 6.50%
80-84 = 7.00%
85-89 = 7.50%
90 + = 8.00%

14. Income Account Value The rider includes a table of guaranteed withdrawal percentages
Using Ultra Future based on the attained age of the owner when they elect the
lifetime income benefit.
Attained Age
Example: 72 year old owner with
60-64 = 5.00% $100,000. After 5-years their
65-69 = 5.50% income account value is $146,772
GUARANTEED.
70-74 = 6.00%
Their lifetime income benefit also
75-79 = 6.50% GUARANTEES a 6.00% annual
80-84 = 7.00% withdrawal percentage.
85-89 = 7.50% $146,772 x 6.00% = $8,806.32
GUARANTEED for LIFE!
90 + = 8.00%

15. Income Account Value The rider includes a table of guaranteed withdrawal percentages
Using Ultra Future based on the attained age of the owner when they elect the
lifetime income benefit.
Attained Age
Example: 82 year old owner with
60-64 = 5.00% $100,000. After 7-years their
65-69 = 5.50% income account value is $161,817
GUARANTEED.
70-74 = 6.00%
Their lifetime income benefit also
75-79 = 6.50% GUARANTEES a 7.00% annual
80-84 = 7.00% withdrawal percentage.
85-89 = 7.50% $161,817 x 7.00% = $11,327.19
GUARANTEED for LIFE!
90 + = 8.00%

16. Income Account Value The rider includes a table of guaranteed withdrawal percentages
Using Ultra Future based on the attained age of the owner when they elect the
lifetime income benefit.
Attained Age
Example: 82 year old owner with
60-64 = 5.00% $100,000. After 7-years their
65-69 = 5.50% income account value is $161,817
GUARANTEED.
70-74 = 6.00%
Their lifetime income benefit also
75-79 = 6.50% GUARANTEES a 7.00% annual
80-84 = 7.00% withdrawal percentage.
85-89 = 7.50% $161,817 x 7.00% = $11,327.19
GUARANTEED for LIFE!
90 + = 8.00%

17. 15% BONUS
Give us the
opportunity
to EARN
your
business