A Flexible Premium Deferred Annuity Contract (Policy Form # 9742)

BonusMaster
Agent Use Only: Not for public distribution

What the BonusMaster Offers

Initial Interest Rate Locked in for 1, 3, or 5 years First Year Premium Bonus Competitive Interest Rates Safety of Accumulation Value Minimum Interest Rate Guarantee Roth IRA Qualified (Optional) Guaranteed Lifetime Income Tax Deferred Growth Extended Care and Terminal Illness Surrender Charge Waivers

Key Features
Issue Ages: 0 to 85 Guarantee Interest Rate 3% Credited on a daily basis Guarantee Period: 1, 3, or 5 years Account Value accumulated at Initial Interest Rate for Guarantee Period then accumulated at renewal interest rate declared by the company

Premium Bonus 3%

Agent Use Only: Not for public distribution

Initial Interest Rate

Initial Interest Rate Varies by the Guarantee Period Selected: 1 Year = 4.25% 3 Years = 3.35% 5 Years = 3.75% Current Crediting Interest Rate:

Bonus 3%

1 Year 3 Year 5 Year Guarantee Guarantee Guarantee 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year + 4.25% * * * * * 3.35% 3.35% 3.35% * * * 3.75% 3.75% 3.75% 3.75% 3.75% *

* After the Guarantee Period, premiums will accumulate at a renewal interest rate declared by the company.

Agent Use Only: Not for public distribution

Surrender Charges
Surrender Charges (Vary by State, See Agent Guide): Surrender Charge All States: (Except CA, IN, MD, UT, WA, &CT) Years 1-9: Years 10+: 12%, 11%, 10%, 9%, 8%, 7%, 6%, 4%, 2% 0%

Surrender Charge for CA, IN, MD, UT & WA: Years 1-8: Years 9+: 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% 0%

Surrender Charge for CT: Years 1-9: Years 10+: 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2% 0%

BonusMaster
Partial Surrender Partial Surrenders of up to 10% may be made without a Surrender Charge, after the Guarantee Period Minimum Premium: $15 /Month when Sold with a Life Policy $2,000 single premium sold as a stand alone Maximum Premium: $100,000 without Home Office approval Above $100,000 check with Marketing for approval

Agent Use Only: Not for public distribution

NO COST Benefits
Additional Benefits (No Additional Charge)* Rider for Waiver of Surrender Charges for Extended Care (Form No. 9744) - If at any time the owner is confined to a
hospital or nursing home for extended care, the surrender charge will be waived for partial or full withdrawals. Issue Ages: 0-80.

Rider for Waiver of Surrender Charges for Terminal Illness (Form No. 9743) - If at any time the owner is deemed by a
medical professional as being terminally ill, the surrender charge will be waived for one partial or full withdrawal. Issue Ages: 0-85. * Benefits not available in all states.

Agent Use Only: Not for public distribution

Required Forms
Application: Form No. 9745 HIPAA Form # 9526 Benefit Summary and Disclosure (Form No. 9746) required to be signed & returned with all BonusMaster apps Annuity Disclosure Statement (Form No. 9495) must be left with the applicant, if sold as a qualified annuity

Agent Use Only: Not for public distribution

BonusMaster

Questions? Contact Marketing Sales

Agent Use Only: Not for public distribution