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Product SummaryClient BrochureClient Brochure - Chinese VersionClient Brochure - Spanish VersionAnnuity to Life FlyerBeneficiary Returns for Life FlyerBeneficiary Review Checklist WorksheetChronic Illness Case Study FlyerLarger Legacy FlyerLeaving a LegacyLeaving a Larger Legacy VideoAt-A-Glance Product SummaryGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayIs an Annuity Right for You?Annuities Can Help Meet Important Retirement NeedsHow Much Are You Really Earning?Client BrochureClient Combo BrochureClient GLWB BrochureGuaranteed Lifetime Withdrawal Benefit (GLWB) Roll-up CalculatorGLWB Pays to Wait FlyerGMAV Flyer3D Client FlyerTriple Laddering FlyerA Strong Retirement Vehicle FlyerFIA Income Success Rate FlyerThe Extra in Indextra GMAV 5-Year flyerThe Extra in Indextra GMAV 7-Year FlyerGS Momentum Builder® Multi-Asset Class Index Brochure (not for use in WY)J.P. Morgan Strategic BalancedSM Index Client Overview (not for use in ID or WY)J.P. Morgan Strategic BalancedSM Index Client GuideGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-23012Annuities Can Help Meet Important Retirement NeedsAt-A-Glance Product SummaryRack BrochureGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayIs an Annuity Right for You?Annuities Can Help Meet Important Retirement NeedsHow Much Are You Really Earning?At-A-Glance Product SummaryGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayIs an Annuity Right for You?Annuities Can Help Meet Important Retirement NeedsHow Much Are You Really Earning?At-A-Glance Product SummaryLaddering FlyerGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayIs an Annuity Right for You?Annuities Can Help Meet Important Retirement NeedsHow Much Are You Really Earning?Product SummaryGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayHow Much Are You Really EarningIs an Annuity Right for YouAnnuities Can Help Meet Important Retirement NeedsAt-A-Glance Product SummaryRack BrochureRising Rates FlyerGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayIs an Annuity Right for You?Annuities Can Help Meet Important Retirement NeedsHow Much Are You Really Earning?At-A-Glance Product SummaryGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-230128 Ways Your Annuity May PayIs an Annuity Right for You?Annuities Can Help Meet Important Retirement NeedsHow Much Are You Really Earning?Product SummaryQLACs Know the FactsIncome Fact FinderIncome PlaybookGoal Ranking WorksheetLosing Ground is Costly3 Simple Retirement Income Questions3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-23012Annuities Can Help Meet Important Retirement NeedsRetirement FreedomClient BrochureProduct SummaryIncome Fact FinderIncome PlaybookSPIA Income Success Rate FlyerIncreasing Payout Option FlyerBeneficiary Refund Options FlyerIncreasing Income Stream FlyerMultigenerational Income WorksheetMultigenerational Income Strategies BrochureGoal Ranking WorksheetLosing Ground is Costly3 Simple Retirement Income Questions3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-23012Annuities Can Help Meet Important Retirement NeedsRetirement FreedomClient BrochureInvestment Options FlyerGLWB Self Style Allocation Options FlyerGuaranteed Lifetime Income Advantage (GLIA) BrochureGLIA Plus Client BrochureAsset Allocation Client BrochureGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-23012Annuities Can Help Meet Important Retirement NeedsIntegrity ProspectusNational Integrity ProspectusIntegrity Product PerformanceNational Integrity Product PerformanceClient BrochureInvestment Options FlyerGLWB Self Style Allocation Options FlyerGuaranteed Lifetime Income Advantage (GLIA) BrochureGLIA Plus Client BrochureAsset Allocation Client BrochureGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-23012Annuities Can Help Meet Important Retirement NeedsIntegrity Prospectus - Contracts Issued On or After Jan 1, 2012National Integrity Prospectus - Contracts Issued On or After Jan 1, 2012Integrity Prospectus - Contracts Issued Prior to Jan 1, 2012National Integrity Prospectus - Contracts Issued Prior to Jan 1, 2012Integrity Product PerformanceNational Integrity Product PerformanceProduct BrochureETF Investment Options FlyerGuaranteed Lifetime Withdrawal Benefit (GLWB) BrochureGoal Ranking WorksheetLosing Ground is Costly3 Ways to Address Retirement Investment Risks4 Percent Rule Versus Retirement RisksRetirement Milestones CF-51-23012Annuities Can Help Meet Important Retirement NeedsIntegrity ProspectusNational Integrity ProspectusIntegrity Product PerformanceNational Integrity Product Performance
Annuitant Beneficiary DesignationNon-Financial Service RequestElection of AnnuitizationIndividual Retirement Account Required Minimum DistributionsBeneficiary Required Distribution Election Form - Stretch IRA - NQ ExtendedNon-Financial Service RequestPartial Withdrawal Policy Loan RequestRequest for SurrenderRequest for Systematic Payment PlanSystematic Withdrawal RequestGuarantee Rate OptionNon Financial ServiceOwnership Change RequestLong Term Care Confinement CertificateAnnuity Beneficiary DesignationNon-Financial Service RequestElection of AnnuitizationIndividual Retirement Account Required Minimum DistributionsBeneficiary Required Distribution Election Form - Stretch IRA - NQ ExtendedNon-Financial Service RequestPartial Withdrawal / Policy Loan RequestPolicy Benefit DispositionRequest for SurrenderRequest for Systematic Payment PlanSystematic Withdrawal RequestGuarantee Rate Option RenewalName Successor OwnerNon-Financial Service RequestNotification of Death of OwnerOwnership Change RequestLong Term Care Confinement CertificateRequest for Policy ServiceAnnuity Service Request – Non-Financial Transactions – Beneficiary DesignationAnnuity Service Request – Financial TransactionsBeneficiary Required Distribution Election Form - Stretch IRA - NQ ExtendedElection of AnnuitizationRequired Minimum DistributionsRequest for Premium/Dividend/Loan Policy Benefit DispositionSystematic Withdrawal RequestAbsolute Assignment / Ownership ChangeAuthorization to Withdraw Funds from a Checking or Savings AccountLong Term Care Confinement CertificationName Successor OwnerNotification of Death of OwnerRequest for Policy Service

W&S Financial Group Distributors, Inc. (doing business as W&S Financial Insurance Services in CA) is an affiliated life insurance agency of the issuer. Issuer has sole financial responsibility for its products. All are members of Western & Southern Financial Group.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company.  Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59 ½ may be subject to 10% IRS penalty.

Annuity contracts have terms and limitations for keeping them in force.  Please contact a financial representative for complete details.

An annuity is a long-term financial vehicle designed for retirement.  An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement.

Annuity products are not bank products, are not a deposit, are not insured by FDIC, nor any other federal entity, have no bank guarantee, and may lose value.