Issue link: http://read.dmtmag.com/i/52434
FIXED-RATE* SINGLE AND FLEXIBLE PREMIUM PRODUCTS / FEATURES MAY NOT BE AVAILABLE IN ALL STATES. DEFERRED QUALIFIED AND NON-QUALIFIED ANNUITIES 7-Yr 1st-Yr Interest Rate $5,000+ premium 1st-Yr Interest Rate $300- $4,999 premium Single Premium 7-Yr Surrender 4.75%*** interest rate 4.25%*** interest rate ANNUITIES 10-Yr Interest Rates Effective January 1, 2012**: Flexible Premium 7-Yr Surrender 4.75%*** interest rate 4.25%*** interest rate 1st-Yr Interest Rate $5,000+ premium 1st-Yr Interest Rate $300- $4,999 premium Single Premium 10-Yr Surrender 5.25%*** interest rate 4.25%*** interest rate 3.25% interest rate: current rate on in force certifi cates after the fi rst year. 3.00% interest rate: minimum guaranteed rate after fi rst year. IMMEDIATE ANNUITY 3.25% interest rate: on new certifi cates. * THE RATE IN EFFECT ON THE CERTIFICATE ISSUE DATE ANNIVERSARY IS THE RATE EARNED FOR THE NEXT 12 MONTHS. ** THESE RATES ARE SUBJECT TO CHANGE AT ANY TIME. *** INTEREST RATE GUARANTEED FOR THE FIRST YEAR. ANNUITY VS. ANNUITY* CD 1.54%2 4.5%, 7-Yr1 , 5-Yr Compare the returns on an initial deposit of $100,000 1-Year Return CD 1ST YEAR INTEREST RATE RETURN $4,750.00 $1,540.00 5-Year Return 1ST YEAR INTEREST RATE RETURN ANNUITY* CD 3.25%, 7-Yr4 , 5-Yr 1.54%2 TAXABLE? $19,056.90 Tax Deferred $7,945.36 Fully Taxable CUMULATIVE INCOME TAXES $0 $1,986.343 1- 1ST YEAR GUARANTEED INTEREST RATE 4.75%; 3.0% GUARANTEED MINIMUM INTEREST RATE 2- 5-YEAR CD NATIONAL AVERAGE AS OF NOVEMBER 14, 2011 (BANKRATE, INC.) 3- BASED ON 25% TAX RATE 4- CURRENT RENEWAL RATE, SUBJECT TO CHANGE; 3.0% GUARANTEED MINIMUM INTEREST RATE PRODUCTS / FEATURES MAY NOT BE AVAILABLE IN ALL STATES. * FORM # 07S7YR AND 07F7YR. FORM 11.11AD-ANN NET RETURN $19,056.29 $5,959.02 THE ANNUITY ADVANTAGE $13,097.27 TAXABLE? Tax Deferred Fully Taxable CUMULATIVE INCOME TAXES $0 $385.003 NET RETURN $4,750.00 $1,155.00 THE ANNUITY ADVANTAGE $3,595.00 CONTACT YOUR NCSF SALES TEAM! Residents of states not listed below should call 1-800-344-6273. NCSF Home Offi ce, 800.344.6273 x234 SOUTH CENTRAL REGION: CO, IA, KS, MO, NE 800.344.6273 x210 EASTERN REGION: IL, IN, MI, OH, WI 800.344.6273 x234 NORTH CENTRAL REGION: MN, ND, SD 800.344.6273 x210 WESTERN REGION: CA, MT, OR, WA 11/11 Flexible Premium 10-Yr Surrender 5.25%*** interest rate 4.25%*** interest rate NEW RATES!