Ultra-Secure® Plus Product Highlights

Single premium deferred annuity with a fixed interest rate.

Designed for more experienced investors seeking:

• Potential of higher returns
• Tax deferral on growth
• Death benefit protection
• College planning for children and grandchildren
• Retirement savings
• Rollovers from retirement plans
• Guaranteed income at retirement
• Certificate of deposit alternative

Investment Options:

• 5 - year rate guarantee (1% additional interest rate available for first year)
• 7 - year rate guarantee

Issue Ages: 0-89

Policy Minimum:

• $5,000 minimum
• $500 minimum for additional deposits allowed in first policy year, subject to Home Office approval

Liquidity:

• 10% annual withdrawal with no surrender charge - immediately available
• Systematic Withdrawal Option
• Return of premium features
• Electronic Fund Transfer

Surrender Charges: 5 - Year
Charge     6%, 6%, 6%, 6%, 5%, 0%

Surrender Charges: 7 - Year
Charge     6%, 6%, 6%, 6%, 5%, 4%, 3%, 0%

Waivers of Surrender Charges:

• Hospitalization or Long-term Care Confinement
• Disability
• Terminal Illness
• Death of Spouse or Minor Dependent
• Home Damage
• Organ Transplant
• Unemployment

Note: Waivers may not be available in all states

Other Features:

• Additional .15% added to interest rate on purchase payment and accumulation values over $50,000
• Competitive Renewal Rates
• Systematic Withdrawals (surrender charges may apply)
• Competitive Commissions

Death Benefit: The accumulation value less any applicable premium tax