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Classic Fortifier® Annuity

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Annuities

An annuity is a contract between an individual (annuitant) and an insurance company. As with any contract, both parties have obligations. The annuitant agrees to pay the insurance company a single payment (in which case the annuity principal is created at once) or a series of payments (in which case the annuity principal is accumulated over time). The insurer invests the premiums and credits the contract with a stated rate of interest. The invested proceeds plus the accumulated interest create the annuity fund which the insurance company pays the annuitant an income, or offers various cash settlement options at a later date. Under current tax law, the money invested in an annuity grows on a tax-deferred basis, which enhances the growth. This means that 100% of your earnings are re-invested in an annuity and allowed to compound, or grow, without having to pay taxes on earnings until withdrawn. Fixed annuities were designed to limit the annuitant's risk by providing a guaranteed return. Fixed annuities have long been considered an alternative to bank CD's, often paying higher rates than CD's, while also deferring taxes.

We are extremely pleased to recommend Dearborn National Insurance Company for our clients' fixed annuity investments, among other A-rated Annuity Carriers we feel will fit a specific client's needs.

Classic Fortifier® Annuity

•	Tax-deferred compounding of interest

•	Safety, flexibility and liquidity

•	Various withdrawal options

•	"Bailout" feature

•	Death benefit
•	Backed by the financial strength of Dearborn National

Please call or email us so we can send you a brochure and information outlining features and surrender charges.

Other Dearborn National Insurance Company annuities include:

•	Destination Fortifier Series®

•	Platinum Fortifier® Annuity

All of the recommended annuities are underwritten by Dearborn National Insurance Company, which is rated "A+" (Superior) by A.M. Best for its financial strength, operating performance and market profile and "A+" (Strong) by Standard and Poor's for its financial strength.

You can be sure the assets supporting your annuity are invested primarily in the most secure government obligations and highly rated corporate bonds. You can depend on us to be receptive, responsive and flexible when it comes to meeting your needs as a customer. Your money can never earn less than the minimum guaranteed interest rate throughout the life of the contract.

Please call or email for immediate attention and current interest rates.

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