| 
  Legal Notice 
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                | ;) | 5.50% Interest guaranteed for 5 years* |   
                | ;) | 10% Yearly penalty-free withdrawal available after year one |   
                | ;) | Systematic withdrawal of interest available after 30 days |   
                | ;) | Nursing home waiver** |   
                | ;) | Terminal illness waiver** |  |   
          | Call Dressander & Associates today!
 
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                        | Please fill out the form below for more information |   
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                        | E-mail: |  |   
                        | Phone: |  |   
                        | City: |  | State: |  |   
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          | For agent use only. *Rate effective 11/2/2002; 10 year vanishing surrender charge; 3.50% 
            interest rate projected years 6-10. **In states where approved. Rates 
            subject to change. Product not approved in AL, CT, IN, MD, NC, NH, 
            NY, OR, PA, RI, SC, VT and WA.
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