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Rider to Sales Contract

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					                          Sales Solutions

For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669
Sales Solutions Income NOW for Life



     Sales solutions
         create value by
          fitting product to client



    For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669
Sales Solutions Income NOW for Life


                                                                                          The Problem
                  Individuals want income they cannot outlive
             (starting now) AND want to pass along as much
                    as possible to a surviving spouse or other
                                                   beneficiary

                                                                                                     A Solution
                           BalancedAllocation Annuity™ with the
                           BalancedAllocation Annuity™ Income
                      Advantage™& the Family Endowment Rider®
   The Family Endowment Rider® provides an enhanced death benefit upon the death of the annuitant equal to the
   premium accumulated at an interest rate of up to 5% compounded through the longer of 8 years or age 85, never to
   exceed age 90. After age 85/90, the rider benefit will not grow any further but will continue to be in place. The riders
   are not available without purchase of the base annuity contract; once issued, the owner may not elect to terminate the
   rider for any reason. The Family Endowment Rider ® is not life insurance and any benefit payable is taxable.
   For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669
Sales Solutions Income NOW for Life



                                                         Mr. and Mrs. Jones
                                                                         Are 65 and 60 years old

          Have saved for their retirement, want income now, but are
                         concerned about outliving their money.

      Mrs. Jones is most concerned about what will be left for
             her when Mr. Jones is gone, in the event he dies first.




    For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669
Sales Solutions Assumptions


                                                         Hypothetical Example
                                                                               $1,000,000 Premium

                                                                 Mr. Jones is age 65 at issue

   Purchased BalancedAllocation Annuity 12™ with the optional
        Income Advantage™ Rider & the 4% Family Endowment
                                             Rider® (GMDB)

                                      Assume 0% Interest Credited for 15 Years

                      Withdraws $55,000 at the end of each contract year

   After 15 Years, has withdrawn $825,000 in guaranteed income

    For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669
                                                                       Guaranteed             Total        Standard Death    Our Death
Income Now using the                         Year        Age          Income Paid           Income             Benefit        Benefit
BalancedAllocation Annuity
12™ with the Income                           1           66           $55,000              $55,000         $945,000        $982,934

Advantage™ & Family                           2           67           $55,000             $110,000           $890,000      $964,429
Endowment Riders®
                                              3           68           $55,000             $165,000           $835,000      $944,166
Hypothetical Example                          4           69           $55,000             $220,000           $780,000      $921,784
Premium • $1,000,000
                                              5           70           $55,000             $275,000           $725,000      $896,871
Client age at issue • 65 Years
                                              6           71           $55,000             $330,000           $670,000      $868,964
Income through age • 80 years
                                              7           72            $55,000            $385,000            $615,000     $837,537
Death benefit growth • 4%
                                              8           73            $55,000            $440,000            $560,000     $802,001

Annual BAA Net
                                              9           74            $55,000            $495,000            $505,000     $761,690
Appreciation of                               10          75            $55,000            $550,000            $450,000     $715,859
     0 Percent                                11          76            $55,000            $605,000            $395,000     $663,668
                                              12          77            $55,000            $660,000            $340,000     $604,178
                                              13          78            $55,000            $715,000            $285,000     $536,337
                                              14          79            $55,000            $770,000            $230,000      $458,969
                                             15           80            $55,000            $825,000          $175,000       $370,758

                       These hypothetical assumptions are not guaranteed; the use of alternate premium and rate
                         assumptions could produce significantly different results. For Agent Education Only ~ Not
                                      for use in advertising to the general public.       13780 055669
Disclosures


                                                   For agent use only - not for use with the general public.
        The BalancedAllocation Annuity Income Advantage™ [form BAAIR (09/09) or state variation] and the
               BalancedAllocation Annuity™ Rider [forms PBDBR12HB (09/06), PBDBR12LB (09/06) or state
       variation] and the Family Endowment Rider® [form DBR-BAA (09/09) or state variation], optional riders
               for which a charge is deducted are issued by Aviva Life and Annuity Company, Des Moines, IA.
        Product features, limitations and availability vary by State; see the Product Disclosure or contact your
                                                                              Annexus representative for details.

          If elected, the Family Endowment Rider® provides an enhanced death benefit upon the death of the
         annuitant equal to the premium accumulated at an interest rate of up to 5% compounded through the
          longer of 8 years or age 85, never to exceed age 90. After age 85/90, the rider benefit will not grow
                                                                        any further but will continue to be in place.
   The cost for this rider is automatically deducted from the interest in the contract and is guaranteed to never
                                                exceed .60 percent of the contract's Accumulation Value per year.
     The Rider will only guarantee the death benefit is equal to the initial premium provided no more than the
       lesser of five percent of the initial premium or Accumulation Value is withdrawn at the end of any given
                                                                                                       contract year.
                                    Once issued, the owner may not elect to terminate the rider for any reason.
   The Family Endowment Rider      ® is not life insurance and any benefit payable under the rider will be taxable.




     For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669

				
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