Like Your Bank CD...

• Safe
• No Sales Charges
• No Fees
• No Market Risk
• Accessible
• Fixed Interest Rate
• Convenient
• Interest Withdrawal

• Interest - normally lower than annuity
• Federal and State Tax
• Probate
• No Partial Withdrawal of Principle
• Non-Vanishing Penalties
• No Interest Rate Guarantee
• No Exchange Privileges

• Interest - normally higher than a CD
• Tax-Deferred
• No Probate
• 10% Annual Withdrawal of Principle
• Vanishing Penalties
• Interest Rate Guarantee
• Exchange Privileges (1035)