√   The ability to receive guaranteed income for life.

√   The ability to provide for survivor income continuation.

√   The ability for your entire account value to bypass probate upon  your death.

√   The ability to "walk away" with your full account value during your lifetime.

√   The ability to lock in all gains credited against any future market downturn.

√   The ability to earn returns linked to the market and minimum guarantees in place as   

     well.

√   The ability to grow your account on a tax-deferred basis. [more net growth than your

     gains taxed annually]

√   The ability to withdraw 10% each year from your account during  the contract holding

      period [while it is in the accumulation/growth mode].

√   The ability to withdraw your funds 100% free from liquidity charges in the event of

     medical emergency.

√   The ability to double your annual income stream in the event of a long term care

     confinement.

√   The ability to provide peace of mind knowing your principle and gains are safe and

     your income will be there as long as you need it.