<p> Print on your letterhead Rates in this letter are not current Letter has not been NASD reviewed Do You Like Being Taken Advantage Of?</p><p>Every few weeks I get a bulletin of interest rate changes from the major annuity companies. Annuity rates are a lot lower than they used to be and you can expect rates to continue dropping. These lower rates will affect your annuity, too, when it comes up for its annual rate adjustment. Many annuity companies just keep dropping their rates and take advantage of you.</p><p>What can you do? </p><p>There are still a few companies offering compelling fixed rates, that stay fixed! One company I use is an A+ rated company that is still offering 7% fixed rate on a 6-year annuity. You start with 7% and you stay with 7%! Is your annuity paying 7%? I don’t think so.</p><p>If interested, please call in a hurry before rates drop further.</p><p>Want the opportunity to earn more than 7% without risk to principal? Have you heard about the index annuity?</p><p>The Index Annuity is one of the most beneficial investment choices I have seen in many years.</p><p>1. Like any annuity, your funds grow tax deferred.</p><p>2. Your return is based on movements in the stock market. In up years, you receive 100% of the average increase in the S&P 500 index. In down years, your capital is fully protected and you will not lose money. Compare this to investing in the stock market where losses in any year could be substantial (especially at these higher levels).</p><p>This is an opportunity to protect your principal, have it grow tax deferred, yet have the potential for an excellent return from growth in the S&P 500. Remember, if the market falls tomorrow, your stocks will go down. If the market falls tomorrow, your money in the Index Annuity is protected.</p><p>Call 800-xxx-xxxx and leave your address for information on a fixed rate of 7% or the index annuity that protects your principal yet allows it to grow with the stock market.</p><p>Sincerely,</p><p>Joseph Advisor Certified Retirement Financial Advisor™</p>