At The Flrida Annuity Store, we guarantee...."Every morning when you wake up, you're worth more than you were the night before."

"CHAMPION ANNUITY"

An Individual Deferred
No Load Annuity

CONTRIBUTION - The Champion's Minimum Initial Premium Deposit is $10,000. There are no front-end load charges. One hundred percent (100%) will be credited to your certificate. Subsequent premium deposits may be made in any amount at any time. Premium deposit reminders will be provided upon request.

ACCUMULATION - The Champion is issued through age 62 for tax-qualified plans and issued through age 70 for non-tax-qualified plans. It provides maximum return commensurate with maximum safety. For the first certificate year, the Florida Annuity Store Champion provides for a total current accumulation rate of:

NON-TAX QUALIFIED: 5.25%

TAX QUALIFIED: 5.25%

This combines a current base rate of:

NON-TAX QUALIFIED: 3.50%

TAX QUALIFIED: 3.50%

PLUS A MEMBERSHIP BONUS OF:

NON-TAX QUALIFIED: 1.75%

TAX QUALIFIED: 1.75%

TAXES - Under current tax law, the Accumulation credited to your Florida Annuity Store Champion is even more attractive, because it accumulated free of current income taxes.

LIQUIDITY - You may withdraw up to 10% of the accumulated value of your Florida Annuity Store Champion once each certificate year without a surrender charge. Withdrawals are subject to federal taxes and possible penalty. Consult your tax professional, Tom Seamon.

OPTIONS - Generous income options to fit your circumstances include:

1. Interest Income.
2. Income for a Fixed Period.
3. Life Income.
4. Income of a Fixed Amount.
5. Joint and Survivor Life Income.
6. The Annuity Store Check-A-Month.
7. Joint and Single Life Expectancy (minimum distribution).
8. Cash.

DEATH AND PROBATE - Upon death, the full, then-current value of your Annuity Store Champion will be paid to your beneficiary(ies), avoiding the costs, delays and publicity of probate. After retirement, the death benefit will depend upon the form of retirement annuity you choose.

SURRENDER CHARGE - If you surrender your Florida Annuity Store Champion during the first ten certificate years, your accumulated value will be subject to a surrender charge. The 10-year surrender charge sequence is as follows: 9, 8, 7, 6, 5, 4, 3, 2, 1, and 0% thereafter.

There is no surrender charge when your Florida Annuity Store Champion is settled by reason of death or a settlement is made no less than three (3) years after the certificate's effective date using either Option 3 (Life Income) or Options 5 (Joint and Survivor Life Income).

If you currently have a Florida Annuity Store Single Premium Deferred Annuity (The Florida Annuity Store Protected Accumulation Plan), or a Florida Annuity Store Flexible Premium Deferred Annuity (The Florida Annuity Store Tax Deferral Plan), you may transfer your funds to a Florida Annuity Store Champion, subject to the 10-year surrender charge sequence, and the $10,000 Minimum Initial Premium Deposit Requirement.

SAFETY - Your funds are protected by the total resources of Gleaner Life Insurance Society.

The Society purchases only "A" rated or better bonds and highly secured real estate mortgages. Gleaner does not purchase "Junk" bonds, commercial real estate or stocks.

Standard Analytical Service, analysts of the insurance industry since 1932, reports that the Gleaner solvency ratio is higher than the average of the 25 largest companies. Your money is safe with Gleaner.

The Advantages of The Champion

1. Taxes are deferred during the accumulation period.
2. At retirement - when you cash it in or withdraw under an Income Option - you receive favorable tax treatment.
3. Wide selection of flexible options to fit your financial needs at retirement. IRS annuity exclusion ratio could reduce your tax bill.
4. Maximum safety of your funds at all times - your principal is guaranteed, subject to surrender charges if applicable.
5. One hundred percent (100%) of your principal goes into your accumulation fund.
   ...No Sales Charges.
   ...No Service Charges.
   ...No Yearly Maintenance Fees.
6. Best of all, you can make deposits to your plan at any time. Your money begins earning for you when it is deposited.

RETURN TO THE FLORIDA ANNUITY STORE

Contact TOM SEAMON Today!
or call (561) 373-2777
for the right Annuity Package for you!