1 Geoffrey VanderPal, D.B.A, CFP, CLU, CFS, RFC; Jack Marrion; and David F. Babbel, Ph.D.; “Real-World Index Annuity Returns”; http://www.fpanet.org/journal/currentissue/tableofcontents/realworldindexannuityreturns/; accessed 01/01/2013
*Equity Indexed Annuities (EIA, also known as Fixed Index Annuities – FIA) are tax deferred products; they are not tax free. When withdraws are made from an EIA – the portion of the withdrawal that is not principal will be taxed at applicable income tax rates. Premature distributions (before age 59 1/2) may be subject to an IRS penalty of 10%, in addition to applicable income taxes. If receiving a bonus with an EIA purchase, you may incur higher surrender charges and be subject to a longer surrender period. Tax-qualified assets (e.g. IRA or Roth IRA assets) in EIA’s may not be eligible for additional tax benefits. Investors should have adequate resources to cover liquidity needs. EIA’s are not: a deposit of any bank; FDIC insured; insured by any federal government agency; or guaranteed by any bank or savings association. Riders and guarantees may be available at additional cost and may not be available in all States. Guarantees are based on the claims paying ability of the issuing company.

**Variable life insurance is sold by prospectus. Please consider the investment objectives, risks, charges, expenses, and your need for death-benefit coverage carefully before investing. The prospectus, which contains this and other information about the variable life policy and the underlying investment options, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. The investment return and principal value of the variable life policy are not guaranteed. Variable life sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the policy is surrendered.