Enjoy these benefits

• Guaranteed return of principal.
  We guarantee to return 100% of your principal contributions, minus the amount of any previous withdrawals, if you surrender your annuity.
• Guaranteed minimum interest rate.
  You will never receive less than the guaranteed minimum interest rate stated in the annuity certificate.

• Competitive interest rate.
  Current interest rates are reviewed quarterly and reflect current market conditions.

• Tax-deferred growth.
  Interest accumulates tax-deferred until you take a withdrawal.
  

• No upfront sales charges or annual maintenance fees.
  100% of your contributions will earn interest.

• Fixed surrender charge period.
  A set surrender charge exists.

• Flexible payout options.
  You can choose from a variety of payout options to fit your needs.

• Not subject to probate.
  Proceeds can be paid to a named beneficiary (other than your estate), avoiding the possible delays and expense of probate.

• Choose your guaranteed period.
  Contribute a single premium between $10,000 and $1 million. Lock in a guaranteed rate for 3, 5 or 7 years.

• Avoid market risk.
  Enjoy conservative, steady growth with predictable future values. (Assumes no withdrawals.)

• Renew or use your money.
  At the end of your guaranteed period, you can choose a new 3-, 5- or 7-year guaranteed period at the current available rates. You can even add additional money or take your funds without a withdrawal charge. (Just remember, withdrawal charges reset at renewal.)

You can also do nothing. Your money will stay in the contract, but earn a new 1-year guaranteed interest rate. You can access your funds free of withdrawal charges … or even withdraw the entire balance.

Withdrawals taken during the guaranteed period are subject to withdrawal charges. Some exceptions may apply.

Interest generated by the multi-year guaranteed annuity is taxable when withdrawn. Withdrawals before age 59½ may result in a 10% IRS penalty. Guarantees are backed by the claims-paying ability of Modern Woodmen. This annuity is issued on Form ICC 19 MYGA or a state specific variation where applicable. State variations may apply. This material is for informational purposes only. Please read your contract and disclosure statement for complete details on this annuity’s features. This material is not intended to provide tax or legal advice. Consult your tax or legal advisor before making a decision. This annuity is not available in New York.

Advantages include:

• Multiple investment options.
  Tailor your portfolio to your investment goals by selecting from a variety of investment options.

• Tax-deferred growth.
  Potential earnings grow tax-deferred until you make a withdrawal.
  
  
• Flexible contributions.
  There are minimum amounts required to set up your variable annuity. Then you control the amount and frequency of the premium payments made.
  
  
• Tax-free exchanges.
  You can make a set number of transfers between subaccounts each year without incurring a charge.
  
  
• Automatic rebalancing.
  Each year, the automatic rebalancing feature can reallocate the funds in your contract to the allocation percentages used for new premiums, maintaining your asset allocation strategy.
  
  
• Withdrawal options.*
  The variable annuity gives you convenient access to funds when you need them. Ten percent of accumulated value may be withdrawn without a surrender charge each contract year.
  
  
• Death benefits.
  This feature ensures your loved ones receive a death benefit from your annuity. Subject to restrictions. Certain rules apply.

 Consider the investment objectives, risks and fees, and the charges and expenses of a variable annuity carefully before investing. An investment in a variable annuity is subject to market risks, including the potential loss of principal. For this and other information about variable annuities, obtain a prospectus and underlying fund prospectus from your Modern Woodmen representative. Read it carefully before you invest or pay money.

Did you know a 65-year-old person has a 50-50 chance of living at least 20 or more years?

Source: Annuity 2000 Mortality Table, Society of Actuaries

If you want to ensure your retirement income will last as long as you do, consider Modern Woodmen single premium immediate annuity for a portion of your retirement savings. A single premium immediate annuity can help you create a solid foundation of guaranteed retirement income, eliminate the impact of market volatility and help make sure your money will be there for you for the rest of your life.

Enjoy these benefits:

• Guaranteed lifetime income.
  You can turn a lump-sum amount into a guaranteed retirement paycheck that can last your lifetime or for the combined lifetimes of you and your spouse.
  
  
• Potential dividends.
  You may receive a dividend in addition to the guaranteed payment amount.
  
  
• No upfront sales charges or annual maintenance fees.
  100% of your contribution is used to produce your guaranteed lifetime income payment.
  
  
• Options to protect your principal contribution.
  This option eliminates concerns about dying before you receive payments equal to the amount you contributed to the annuity.
  
  A Single Premium Immediate Annuity can help you achieve your retirement distribution goals. Your Modern Woodmen representative can show how you can use a portion of your savings to create a stream of guaranteed lifetime retirement income.