ࡱ> -/,#` Fbjbj\.\. 4>D>DnJJJJl l l 8 n ceeeR$$h-JJ ;("J8  cc <rl 5"O>0n$W$$4"nl l JJJJJJ FULL NAME ADDRESS1 CITY STATE ZIP Dear NICKNAME, Last month, you ordered our annuity booklet Annuity Owner Opportunities. The booklet shows not only how to protect the full value of your annuity but also gives tips on how to purchase annuities. Here are some additional items to watch out for: 1. Your stockbroker or bank is not the best place to obtain an annuity. They have only limited offerings and they are locked in by their firms to deal with only a few companies. There are over 1000 annuity companies and your broker probably offers four or six annuities at most. Our firm, Senior Solutions, is an independent agent. We are constantly looking for the safest companies with the best rates. If you want an annuity or need to rollover a matured annuity, get the best deal from your broker or bank and then call us. 2. Do not be seduced by teaser rates. Some annuity companies are offering first year teaser rates up to 10%. That sounds great for the first year but then you find yourself locked in for nine years and the insurance company pays you only 4.75% for the remaining years. These deals look good at first but are not good for you. I strongly recommend you find companies that will lock in your rate. For example, one of the high quality companies we deal with offers 6.4% fixed for the entire period. 3. Consider new options. Index annuities are becoming extremely popular. These annuities pay interest each year based on the increase in the stock market, yet guarantee your principal. Wed be delighted to assist you in getting the best deals. We uncover new opportunities each month, so feel free to call me directly at 800xxx-xxxx. Sincerely, Joseph Advisor Certified Retirement Financial Advisor"!     Print on your letterhead Letter4OXn{} ' + / 2 W a Z [ h i   68:V@ABCDEFɽɷɟhJLh h(Qh(QUjh(QU h)CJ h(QCJh@J h)CJh(Qhh)hvFhB*CJphh B*CJphh)B*CJphh(QB*CJphhvFB*CJph5 "#23~, - A B 9 :  68:Xgd) # qA Q!^`CEABCDEF$a$gd(Q has not been NASD reviewed Rates in this letter are not current 2P:p / =!"#$% 8@8 Normal_HmH sH tH z@z Heading 3D$$ # qA Q!@&^`a$ 5B*CJDAD Default Paragraph FontVi@V  Table Normal :V 44 la (k(No List 4>@4 Title$a$5CJR@ Body Text Indent 2; # qA Q!1$^`B*CJhtH u4@4 Header  !4 @"4 Footer  !FF zF "#23~,-AB9:G!x!x!x!x!x!x!x!x!x!x!x!x!x!x!x!x!x!x!x!hG!hG!x!x!hG!hG!hG!hG "#23~,-AB9:ABCDG000000000000000000000000h0h0h0h0h0h0ȼh0h0000h0h0h0h0 mmmmmpFF E /X2$Z\Ou.O?b$m {YiZjD@0(  B S  ?FCGCG:OO-Wa@BCCGCGA2 JL(QvF@J)G@GoToMyPC - HP LaserJet 3200 Series PCLNe04:winspoolHP LaserJet 3200 Series PCLGoToMyPC - HP LaserJet 3200 Se4C odXXLetterDINU"4NNGoToMyPC - HP LaserJet 3200 Se4C odXXLetterDINU"4NN(Պ(F`@``0@UnknownG: Times New Roman5Symbol3& : Arial"h4S+F7eF   #24i3HX(?2"WHERE TO NEVER GET AN ANNUITY" carolina hall Larry KleinOh+'0 $0 P \ ht| "WHERE TO NEVER GET AN ANNUITY"carolina hall Normal.dot Larry Klein12Microsoft Office Word@ԭ@- @jr՜.+,0 px   R   "WHERE TO NEVER GET AN ANNUITY" Title  !"#%&'()*+.Root Entry Fr01Table$WordDocument4SummaryInformation(DocumentSummaryInformation8$CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q