FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR USE WITH THE PUBLIC

This material is not a recommendation to buy, sell, hold, or roll over any asset, adopt a financial strategy, or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition, or particular needs of any specific person. Neither DMI Marketing, Inc., or its employees provide tax or legal advice or services.

This message is solely intended for insurance agents, financial advisors, or financial institutions and is not to be forwarded to or used with the public at any time. Life insurance company information, product brochures, and materials clearly marked “client approved” may be shared, distributed or communicated to the public. The information contained in this electronic mail message is confidential and only for the intended recipients. If you are not an intended recipient, you are hereby notified that any disclosure, reproduction, distribution or other use of this communication and any attachments is strictly prohibited. If you have received this communication in error, please notify the sender by reply transmission and delete the message without copying or disclosing it.

Any communications made directly or indirectly are not to be considered a product recommendation. DMI Marketing, Inc. and its employees do not accept fiduciary responsibility. Product recommendations can only be made by a licensed insurance agent or financial advisor, who thoroughly reviews and understands the client’s current financial situation, performs a detailed needs analysis, and a best interest review as applicable. DMI Marketing, Inc. and its employees will provide the producer with sales collateral, illustrations, education, and additional supporting materials. These materials are to be considered informational only to support the producer in his/her best interest review process and/or in making recommendations to consumers.

Annuities are long term vehicles designed for retirement income and are not suitable for everyone. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company. Optional riders are generally available for additional annual cost and include terms and restrictions in order to fully realize their benefits.

Annuity withdrawals are subject to ordinary income taxes, and if taken before age 59 1/2 may incur an additional 10% federal penalty. Fixed index annuities are never invested directly or indirectly in the index or the markets.

Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, and do not receive dividends or participate in capital gains. Past index performance is no indication of future crediting rates. Interest crediting fluctuations can lead to the need to pay additional premium to meet the goals of the participant and/or prevent the policy from lapsing. Riders that customize a policy to fit individual needs usually carry an additional charge. Life insurance typically requires medical and often financial underwriting to qualify. It involves terms and conditions and fees, including possible surrender penalties.

All guarantees and benefits of the insurance policy are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer and/or insurance agency selling the policy, or by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Product features and availability may vary by state.

Please be sure that the product solutions featured are approved by your Broker-Dealer, if applicable.

Not affiliated with or endorsed by the Social Security Administration or any governmental agency.