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Annuity Investors Life

FlexMax 12

(RETIRED)

A Fixed Indexed Annuity with a 12-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A+		Standard & Poor's: A+

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1 Year S&P 500 Annual Point-to-Point	***	***	***	***
Declared Rate Strategy (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

This Fixed Indexed Annuity contract accepts flexible, periodic and single Purchase Payments for 403(b) TSA, 401(a) Pension/Profit Sharing, Governmental and Non- --[ subscription required to view full text ]--
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Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

Kansas – The Monthly --[ subscription required to view full text ]--
****** – *** ******* ******* ******* ******** *** *********.

MVA Explanation
Verify state availability with carrier

No MVA --[ subscription required to view full text ]--
** ***

Commissions
Commissions are ***** *** * *** * *** * ** ***** ***.

NT Flexible $3,000<

FlexMax 12

(All approved states)

Ages 18-60

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Ages 61-70

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

NT Single $3,000+

FlexMax 12

(All approved states)

Ages 18-60

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Ages 61-70

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

T1 Flexible $3,000<

FlexMax 12

(All approved states)

Ages 18-60

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 61-70

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

T1 Single $3,000+

FlexMax 12

(All approved states)

Ages 18-60

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 61-70

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

T2 Flexible $3,000<

FlexMax 12

(All approved states)

Ages 18-60

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 61-70

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

T2 Single $3,000+

FlexMax 12

(All approved states)

Ages 18-60

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 61-70

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Year 12

Year 13

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Note: There is NO DIFFERENCE IN COMMISSIONS - Only Issue Ages

Commission & Chargeback guidelines are subject to change at Company discretion.
Commissions are paid on individual applications only using Signed Date of application to determine the agent contract level in effect. Bonus Commissions are paid only to actively contracted agents.
Commissions are based on the age of the oldest Owner at receipt of 1st premium.

Services fees (commission --[ subscription required to view full text ]--
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