Here is a sample of the retirement products available to you from us.

The minimum initial payment is generally $5,000 ($2,000 for new issues of qualified Traditional IRAs and SEPs). However plans can be made with Initial and Subsequent deposits made at any time, subject to a $50.00 minimum. There are no loads, sales charges or administration charges. 100 percent of your money immediately goes to work for you, earning a competitive rate of interest.

Annuity Plus provides liquidity. Each policy year, up to 10 percent of the fund balance may be withdrawn without a surrender charge. The amount withdrawn must be at least $500. The fund balance after the withdrawal must be at least $5,000 ($2,000 for Traditional IRAs and SEPs). Additional funds may be withdrawn at any time, but are subject to a surrender charge. There is no charge after the 7th year. Withdrawals and Surrenders are included in taxable income to the extent any gain is realized. (Interest earned is taxable for non-qualified plans. 100 percent of withdrawals are taxable for qualified plans.) There is a 10 percent IRS penalty on any taxable withdrawals made prior to age 59 1/2.

Flexible Payment Annuity is the low-cost option to build toward your retirement. Your plan can be opened for as little as $50, and you can make deposits at any time. Plus, the plan allows for withdrawals and provides a guaranteed minimum interest rate. Here's why the Flexible Payment Annuity is just right for you:

Earnings are tax-deferred until distributed. The product's competitive current interest rate builds your retirement. No maximum limits apply as to the amount of contributions for non-qualified plans. (Minimum is $50.)

Death benefit bypasses probate.

Minimum start-up for your Flexible Payment Annuity is only $50.00. Additional contributions can be made at any time, subject to a $50.00 minimum. There is no sales load or charges to reduce your contribution. Plus, you have several guaranteed lifetime income options to meet your retirement goals.

Single Premium Deferred Annuity is an excellent plan if you have a larger amount of money already working for you in a money market account, certificate of deposit or other financial vehicle. Your money will work more effectively for your retirement needs, and we'll guarantee the current interest rate at issue for one year. This product can be applied for with a minimum single deposit of $50,000, and its competitive interest rate makes this plan an excellent value.

opportunities; no federal taxes need to be paid on the interest earnings until funds are withdrawn.

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The Annuity Plus is a flexible payment tax-deferred annuity. It provides you with an excellent way to begin accomplishing your long-term retirement goals by accumulating wealth and protecting your assets for the future. The Annuity Plus is specifically designed to provide tax-deferred growth and complete safety of principal and earnings. This makes it an outstanding accumulation vehicle for your retirement dollars.

Here are some of the benefits you can expect.

Tax-deferred accumulations build quickly , payable monthly for as long as you live Liquidity; withdraw up to 10 percent of the fund balance each policy year with no company surrender charge

The Annuity Plus can be opened for just $5,000 or for $2,000 if opened as a Traditional IRA. It typically pays a higher interest rate than the Flexible Payment Annuity. It also provides a guaranteed minimum interest rate.

Simply stated, the annuity contract is issued following receipt of the single premium. Payments to you begin after a deferred period, starting on a date you have chosen. The money you set aside for the future compounds on a tax-deferred basis until you're ready to withdraw it. Two minimum premiums are available, $50,000 and $100,000, and there are no sales charges. However, state premium taxes may be deducted from the single premium. There is a surrender charge applied to the amountwithdrawn in the early years.

100 percent of every deposit into the annuity immediately begins earning a competitive rate of interest comparable to money market instruments. The current interest rate is adjustable by the Company and is responsive to the ever-changing financial market. Unlike bank passbook savings, earnings in your annuity are not currently taxable as income. Earnings are tax-deferred until you actually withdraw and use your money.

When you decide to begin receiving your tax-deferred accumulation as income, only the taxable portion of each distribution is taxed as income. There are many convenient, flexible income options available. It's your choice.

Life Income, Payable Monthly for Life, Life Income with Period Certain: Payable monthly for life also includes a guaranteed payment period of at least 10, 15 or 20 years. Joint and Survivor life income: Payable monthly during the joint lifetime of you and your spouse and continuing for the lifetime of the survivor.

Upon retirement, your annuity can provide guaranteed lifetime income or you can receive one lump sum -- it's YOUR choice. Flexible Payment Annuity features guaranteed flexible lifetime income options that provide a lifetime monthly income for a guaranteed amount starting at any age you desire. Such lifetime income can be programmed to pay a full 10 years of payments even if the contract holder dies prematurely ... or 15 or 20 years. Joint payments to two payees can also be arranged, with income continuing to the survivor upon death of the first.

As a death benefit, prior to the annuity start date the entire amount in your annuity goes directly to your beneficiary. This can avoid the delay, expense and complications of probate.