Issue link: http://read.dmtmag.com/i/538372
17 ANNUITIES FIXED-RATE 2 SINGLE AND FLEXIBLE PREMIUM Interest Rates Effective 6/1/15 3 : DEFERRED QUALIFIED AND NON-QUALIFIED ANNUITIES 3.00% interest rate: FXUUHQWUDWHRQLQIRUFHFHUWLŅFDWHVDIWHUWKHŅUVW\HDU 1.50% interest rate: minimum guaranteed rate. IMMEDIATE ANNUITY 1.50% interest rate:RQQHZFHUWLŅFDWHV PRODUCTS/FEATURES MAY NOT BE AVAILABLE IN ALL STATES. 1- ICC12FPDA, 12FPDA (SD), 12FPDA MT, 12FPDACA, 12FPDAND, ICC12SPDA, 12SPDA (SD), 12SPDA MT, 12SPDACA, 12SPDAND. 2- THE RATE IN EFFECT ON THE CERTIFICATE ISSUE DATE ANNIVERSARY IS THE RATE EARNED FOR THE NEXT 12 MONTHS. 3- THESE RATES ARE SUBJECT TO CHANGE AT ANY TIME. 4- INTEREST RATE GUARANTEED FOR THE FIRST YEAR. HOME OFFICE SALES: Tom Russell 800.344.6273 x234 RUŅQG\RXUORFDOinsurance producer at: www.ncsf.com 1 7-Yr Single Premium Issue Age 0-80 Flexible Premium Issue Age 0-80 $300-$49,999 PREMIUM 3.50% 4 1ST YEAR INTEREST RATE 3.50% 4 1ST YEAR INTEREST RATE $50,000 PREMIUM 4.00% 4 1ST YEAR INTEREST RATE 4.00% 4 1ST YEAR INTEREST RATE 10-Yr Single Premium Issue Age 0-80 Flexible Premium Issue Age 0-80 $300-$49,999 PREMIUM 3.75% 4 1ST YEAR INTEREST RATE 3.75% 4 1ST YEAR INTEREST RATE $50,000 PREMIUM 4.15% 4 1ST YEAR INTEREST RATE 4.15% 4 1ST YEAR INTEREST RATE 6.15AD-ANNCD ANNUITY VS. CD Compare the returns on an initial deposit of $100,000 1- 1ST YEAR GUARANTEED INTEREST RATE 4.0%; 1.5% GUARANTEED MINIMUM INTEREST RATE. 2- 5-YEAR CD NATIONAL AVERAGE AS OF 6/10/15 (BANKRATE, INC.) 3- BASED ON 25% TAX RATE 4- CURRENT RENEWAL RATE 3.0%, SUBJECT TO CHANGE; 1.5% GUARANTEED MINIMUM INTEREST RATE 5- ICC12FPDA, ICC12SPDA, 12FPDA, 12SPDA, 12FPDAND, 12SPDAND, 12FPDA MT, 12SPDA MT, 12FPDACA, 12SPDACA PRODUCTS / FEATURES MAY NOT BE AVAILABLE IN ALL STATES. 5-Year Return INTEREST RATE RETURN TAXABLE? CUMULATIVE INCOME TAXES NET RETURN ANNUITY 5 1st Yr: 4.00%, 7-Yr 1 2nd-5th Yr: 3.00% 7-Yr 4 $117,053.91 Tax Deferred $0 $17,052.91 CD .86% 2 , 5-Yr $4,374.60 Fully Taxable $1,093.65 3 $3,280.95 THE ANNUITY ADVANTAGE $13,771.96 1-Year Return 1ST YEAR INTEREST RATE RETURN TAXABLE? CUMULATIVE INCOME TAXES NET RETURN ANNUITY 5 4.00%, 7-Yr 1 $4,000.00 Tax Deferred $0 $4,000.00 CD .86% 2 , 5-Yr $860.00 Fully Taxable $215.00 3 $645.00 THE ANNUITY ADVANTAGE $3,335.00