Annuities Rates and Information

"I invest conservatively. I'm
planning on being around
awhile"
Nicholas Mazzurco

   Single Premium Deferred Annuity SPDA-6:
   Fixed Interest Guarantees
   In addition to the above annuity benefits, many people are looking
   for the security of competitive interest rates guarantees. To meet out
   customer's needs, we offer the SPDA-6, a multi-year guaranteed
   interest rate annuity.

Guarantee Period Options
  With the SPDA-6 you have the option of a three or 5 year interest
   rate guarantee period. You choose which guarantee period is right
   for you.

   Liquidity
   If you need money for any reason, the SPDA-6 allows you to make
   penalty-free withdrawals. Each Contract Year, you may take one
   penalty free withdrawal of any amount up to the interest credited
during that Contract Year. In addition, you may take the minimum
distribution of qualified money 30 days after contract issue*
Withdrawals prior to age 59 1/2 may be subject to IRS penalties.

   Death Benefit
   If the Annuitant and/or Owner dies during the surrender charge
period we pay out the full Contract Value to your beneficiaries.

   Surrender Charges
   Surrender Charges will be deducted from your Contract in the event
   of full surrender or withdrawals in excess of the penalty-free amount
   during the surrender charge period.

   Contract Continuation
   At the end of the Guarantee Period, you Contract will continue as a
   traditional deferred annuity. The interest rate will be declared annually
   and is guaranteed to never be less than 3%.

   *Eager-1 Marketing Inc. and its Representatives do not give legal or
   tax advice. The information contained herein the web site reflects our
   understanding of tax rules and regulations at the time of publishing.
   Taxes must be paid on deferred earnings when accessed.
   You may be responsible for income taxes on amounts withdrawn,
   including a 10% penalty for withdrawals or loans prior to age 59 1/2.

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