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ANNUITIES - Availability

AVAILABILITY OF DEFERRED ANNUITIES

Deferred annuities are available through life insurance agents and, increasingly, through banks and brokerage firms.

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Individual & Family Plans                          Child Only Plans - Ages 0-18                                       Senior Plans - Ages 65+

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Gender Age or Date of Birth Tobacco User ? Full-time Student? Applicant M F / / Spouse M F / / Child M F / / Child M F / / Child M F / / Child M F / / Child M F / /

* Child under one year: use age "0"

Requested Effective Date:   August   September  October

*What is your current health plan premium? (optional)    $  /month

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Agents

Life insurance agents are licensed by the State, and may represent one or more companies. If you use an agent, choose carefully. Agents earn a commission on your business and should do more for you than just sell you an annuity. They should advise you and answer all your questions. If you are considering the purchase of a variable annuity, the agent should also have a license to sell variable products, which are considered to be securities, and you should receive a prospectus describing the investment alternatives available to you.

Banks and Brokerage firms

Products developed by life insurance companies are sometimes marketed through banks and brokerage firms. The person who sells you the annuity should be a licensed life insurance agent, and, in the case of a variable annuity, a licensed securities dealer. If you purchase an annuity through these sources, you should ask for the name of the insurance company, since they are the ones who will be managing your money.

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