LET’S GET STARTED

8500 Keystone Crossing | Indianapolis, IN 46240

2 0 1 5 P L A Y B O O K

Team up with an

MVPIn ourceS

INC.

Deck founded InSource, Inc. in 1987 and, as its Principal Owner, has skillfully guided the company to become an influential annuity and insurance marketing firm, providing wholesale support in the majority of U.S. states. Drawing upon his more than 35 years of insurance and estate planning expertise, Deck serves on the management councils of four leading annuity carriers. He holds his 63, 65, 6 and 7 securities licenses. In his spare time, he enjoys taking family vacations, golfing, hunting, and hiking.

Deck attributes the true measure of his success to the strength of his family, which includes his wife, Patty, and five children, some of whom are actively involved with InSource.

We are family-owned firm located in Indianapolis, Indiana. Our mission is simple: We strive to provide superior product, service, and sales support to financial advisors and institutions who seek a high-level, quality relationship based on trust, integrity, and a sincere interest in mutual success. This model has served us well for more than 25 years.

InSource is a nationally recognized brokerage general agency serving the financial institution and broker dealer community. Delivering the best of both worlds, we are regionally managed, offer face-to-face external wholesaling to financial advisors, and full-service assistance coupled with dedicated internal support teams. We invite you to review our playbook and let us know if you have any questions.

Deck McCormick, CEO and Owner

Chief Executive Officer

DECK MCCORMICK

In ourceSINC.

In ourceSINC.

James C. Nickens. Jr.President

Joe GrecuExecutive Vice President

-

-

-

Prior to joining InSource, Jim provided sales leadership as Senior Vice President and Sales Manager for Key Investment Services LLC (KIS). His background includes Regional Investment Sales Manager /Vice President for Nat City Invest ments and Vice President and Affiliate Sales Manager for Fifth Third Securities where he was named Manager of the Year and qualified for the Presidentʼs Circle. Jim earned his bachelorʼs degree in psychology from Amherst College in Amherst, MA. and holds Series 6, 7, 24, 51, 63 and Life, Accident and Health licenses. In addition, he serves on the Board of Directors of The Ronald McDonald House of Indiana.

Joe brings to InSource 25 years of expertise in directing major business units in automotive, agriculture, heavy truck, construction, and marine industries. His background includes Fortune 500 companies Ford Motor Company and Terex Corporation. A graduate of Indiana University, he has completed executive education programs at Kellogg Business School and Princeton University. Joe served as a Commissioned Infantry Training Officer in the US Army Reserve and serves as co-chair of the membership committee of the National Association of Fixed Annuities (NAFA).

Executive Leadership

Skilled Professionals. Valuable Expertise. In ourceS

Your Annuity and Life Insurance Source INC.

In ourceSINC.

Executive Leadership

2 0 1 5 I N S O U R C E P L A Y B O O K

Team up with an

MVP

AXAAllianz Life Insurance CompanyBannerIntegrity LifeJohn Hancock (life only)Lafayette LifeLincoln FinancialMetlife InvestorsMinnesota Life InsuranceMutual of Omaha

American GeneralAmerican National Insurance

United of Omaha

American EquityFidelity LifeForethoughtGenworthLincoln Bene�tOxford Life Insurance

A++ A.M. Best rating

A+ A.M. Best ratingNationwide LifeNorth American Life & HealthPrincipal LifeProtective Life InsurancePrudential Life Insurance Reliance StandardState LifeSun LifeThe StandardTransamericaUnited of Omaha

A A.M. Best rating

A- A.M. Best rating

Great American LifeLiberty Life Assurance Company of BostonNational WesternVoya

Carrier Product Current Rate Guarantee

PeriodMinimum

Guarantee Issue Ages Surrender Charges % Minimum PremiumNot Approved

In Commission

1.00 <$75k

$5,000

1.35 $75k+

($1,000 min. Add In's)

1.00 <$75k

$5,000

2.50% 0-75

1.50 $75k+

($1,000 min. Add In's)

1.50% 76-80 1.40% 81+

1.00 <$75k

$5,000

3.50% 0-75

1.50 $75k+

($1,000 min. Add In's)

2.25% 76+

Secure Living 1.85 <$100k

2.10% 0-75

RateSaver 5 2.05 $100k+

1.40% 76-80

2.15 $250k+

.75% 81+

Secure Living 2.25<$100k

3.00% 0-75

RateSaver 7 2.45$100k+

2.25% 76-80

2.55 $250k+

1.60% 81+

RELIANCE STANDARD A.M. BEST A Eleos-MVA 3.40% first year 1.90% base 1 yr1.00%

0-858,7,6,5,4 +/- MVA

$10,000 AL, MD, MN, MT, ND, NY, OR, TX, UT, VT, WA

3.75% 0-75 3.00% 76-80 2.25% 81-85

THE STANDARD FGA 5 1. 75 <$100k

3.00% 0-80 1.50% 81-85

1.85 >$100k

1.35% 86-90

2.30 >$100k

.77% 86-90

FGA 7 2.15 <$100k

3.00% 0-80 1.50% 81-85

2.25 >$100k

1.35% 86-90

FGA 10 2.40 <$100k

4.00% 0-80

1.20 <$100k

4.00% 0-80 2.00% 81-85

1.30 >$100k

1.45% 86-90

1.20 <$100k

4.00% 0-80 2.00% 81-85

1.30 >$100k

1.45% 86-90

NJ, NY, PA

9,8,7,6,5,4,3 +/- MVA

Spirit 5

5 yr

Spirit 31 yr

0-85

7 yr0-85

0.75% 0-80

9,8,7,6,5 +/- MVA

8,7,6,5,4 +/-MVA

0-85

1 yr

5 yr

10% withdrawals beginning immediately; Rate includes a 1.00% first year bonus.

0-81

Interest only free w/d; Medical Care Facility Waiver; Simple MVA formula, 50% renewal comp opportunity before each window renewal under age 85

Interest only free w/d; Nursing Home and Terminal Illness waiver

9,8,7,6,5,4,3

$15,000

NY

DE, NY, OR

10 yr

1.00%7 yr

CA, NY

8,7,6,5,4,3 +/-MVA$15,000

?()$C5#&,OP#5%0,#)#/$P#-)#0#&,+,%.#$Q0#$R&4:$HH$&(,$+--)(.#/$'()$20#$9%,"$()$/%0,)%12,%(&$,($,"#$5#&#)+4$-214%36$S)(/23,$)+,#0$+)#$0218#3,$,($3"+&5#$9%,"(2,$&(,%3#6$S)(/23,$+.+%4+1%4%,:$+&/$'#+,2)#0$*+:$.+):$1:$0,+,#6

!""#$%&'()*+#+(,-.)*#*&#+*/*.#0/%1/*1&2+3#4&5.#)&551++1&2+#%.'().'#6&%#&"'.%#/7.+3

6 yr 1.00% 0-90

SRA 6

SRA 55 yr 1.00% 0-90

9,8,7,6,5

8,7,6,5,4,3,2 +/-MVA$15,000

$15,000

0-90

0-80

6 yr

Spirit 7

1 yr6.5,4

NJ, NY, PA

NJ, NY, PA

800.732.1489www.insourcemg.com

Teller Referral

www.insourcemg.com 800.732.1489

WHAT TO LOOK FOR: WHAT TO SAY:MATURING CD

Would you like to possibly.... - earn more interest? save money on taxes? leave more money to your family/loved ones?

LARGE BALANCE-Do you have any immediate plans for this money?- I see you have been able to save some money. Have you thought about diversifying your assets?

-Would you like to possibly... - earn more interest? -save money on taxes? - leave more money to your family/loved ones?

RECENTLY: LOST JOB/RETIRED -Is your retirement plan still with you? -Have you taken care of your 401k yet?

-Have you had a �nancial check-up? -Do you want to learn how to maximize your income?

LARGE AMOUNT OF DEBT -Is your family protected if something should happen to you?-Do you have a plan in place to protect your family if you die?

IRASNo IRA with the CU: -I noticed you don’t have any IRAs with us. Have you started saving for retirement?

-Would you like to meet with an advisor to renew/set-up your retirement plan?

20/21 Su�x with zero balance: -I see your IRA savings has a zero balance. Did you roll it over to another account?

If yes... -When was your last review? - Are you happy with it?Have IRAs at the CU: -Have you made contributions this year? -Have you reviewed it recently? -Have you sat down with someone to learn all of your IRA options? This is just one of them.

LIFE EVENTS: BIRTH/DEATH -Have you reviewed your insurance within the last year?-Widow/Widower: Do you know we have a service to help those who have lost a loved one?

-Divorced: Do you know we have a service to help someone in your situation?

-Birth/Marriage: Now that your �nancial situation has changed, would you like to meet with one of our advisors to discuss

your needs?CLOSING: If yes - Would you like to schedule an appointment with one of our �nancial advisors to discuss __________________________________________?

MISCELLANEOUS - TOO MANY QUESTIONS/TALKING SPECIFICS: -Are their products insured? -Due to the variety of products you would have to ask them. -They do have some products that are insured.

TALKING SPECIFICS... -I would really like to help you but I am not licensed in that area. -Those are all great questions. Unfortunately, I am not licensed to answer them.

-Would you like me to have someone give you a call about your concerns?

N o t f o r p u b l i c u s e . F o r a g e n t u s e o n l y .

!"#$#%&$'

You Can Save the Day!

ND

SD

CA

NM

NE

TX

CO

WY

AZ

Meghan EddyRegional Vice President D: (720) 340-6266 TF: (800) 732-1489 ext. 6117 meghan.eddy@insourcemg.com

Marilyn SergiRegional Vice PresidentD: (317) 775-6121 TF: (800) 732-1489 Ext 6121marilyn.sergi@insourcemg.com

AZ, CO, ND, SD, WY

Regional MapInSource, Inc. 800.732.1489

Annuity Wholesaler Contacts

Jason WaltersInternal Sales Consultant D: (317) 775-6158 TF: (800) 732-1489 Ext 6158 jason.walters@insourcemg.com

Jason SmithRegional Vice PresidentD: (317) 775-6145 TF: (800) 732-1489 Ext 6145 jason.smith@insourcemg.com

MN, WI

LA, OK, TX

Marilyn SergiInternal Sales Consultant D: (317) 775-6121 TF: (800) 732-1489 Ext 6121 marilyn.sergi@insourcemg.com

Tom Devine, CFP© Regional Vice President D: (832) 451-5423 TF: (800) 732-1489 Ext 61 tom.devine@insourcemg.com

AR, IL (South), KS, KY (West), MO, TN

Jason WaltersInternal Sales Consultant D: (317) 775-6158 TF: (800) 732-1489 Ext 6158 jason.walters@insourcemg.com

Brian Lang, CFP©Regional Vice PresidentD: (314) 591-7340TF: (800) 732-1489 Ext 6119brian.lang@insourcemg.com

Callie Sederquist Regional Vice PresidentD: (317) 775-6115 TF: (800) 732-1489 Ext 6115callie.sederquist@insourcemg.com

CA, IA, IL (North), NM

NE, NJ, NY, VA

John Mailey Regional Vice PresidentD: (317) 775-6118 TF: (800) 732-1489 Ext 6118 john.mailey@insourcemg.com

D

SD

K

I

I

I IN

F

NE

TX L

O TN

KYWV

RI

DC

NJOH

Neil HenryRegional Vice President D: (317) 517- 5911TF: (800) 732-1489 Ext 6130 neil.henry@insourcemg.com

Meghan Cady Internal Sales Consultant D: (317) 775-6135 TF: (800) 732-1489 Ext 6135 meghan.cady@insourcemg.com

IN, KY (East)

Al Caviani Regional Vice PresidentD: (847) 209-3086 TF: (800) 732-1489 Ext 6133 al.caviani@insourcemg.com

Ben DonaldsonInternal Sales Consultant D: (317) 775-6123 TF: (800) 732-1489 Ext 6123 ben.donaldson@insourcemg.com

Chicago, Illinois area

nc. 800.732.1489 www.insourcemg.com Annuity Wholesaler Contacts

AL, FL, GA, NC, SC

Greg McCormick Regional Vice President D: (317) 775-6156 TF: (800) 732-1489 Ext 6156 greg.mccormick@insourcemg.com

MO, TNOH, PA, WV

Bryan Dugan Regional Vice PresidentD: (317) 775-6128 TF: (800) 732-1489 Ext 6128 bryan.dugan@insourcemg.com

Ben DonaldsonInternal Sales Consultant D: (317) 775-6123 TF: (800) 732-1489 Ext 6123 ben.donaldson@insourcemg.com

Wash DC, NE, NJ, NY, VA

John Mailey Regional Vice PresidentD: (317) 775-6118 TF: (800) 732-1489 Ext 6118 john.mailey@insourcemg.com

MIJerry CronenwettRegional Vice President D: (574) 536-9101 TF: (800) 732-1489 Ext 6146 jerry.cronenwett@insourcemg.com

Meghan Cady Internal Sales Consultant D: (317) 775-6135 TF: (800) 732-1489 Ext 6135 meghan.cady@insourcemg.com

B R I N G I N G T H E I R A - G A M E

Jerry is deeply committed to serving financial professionals and has earned a reputation of delivering keen product insight, solutions to fit distinct client needs, and personalizedservice that consistently meets and exceeds expectations. He has accumulated over 16years in the financial services industry, including the independent, bank and broker dealer channels. A father of three children, Jerry spends his free time playing golf and enjoying college football.

Contact Jerry Cronenwett:Toll-free: (800) 732-1489 ext 6146Direct: (574) 536-9101Email: jerry.cronenwett@insourcemg.com

Jerry Cronenwett

Bryan DuganSince joining the industry in 2008, Bryan brings a holistic presentation style and sales strategies that helps clients address income needs for, live in, and manage risk during retirement.

Named as an Associate Advisor of the Year in 2010, Bryan’s education includes a bachelors degree in Economics from Xavier University. Prior to joining InSource he worked as a senior internal sales consultant with Western and Southern and as an independent advisor working with small business owners on accumulation and succession planning. He holds Series 7, Series 66, and Life Accident and Health licenses.

Contact Bryan Dugan:Toll-free: (800) 732-1489 ext 6128Direct: (570) 713-4989Email: bryan.dugan@insourcemg.com

In ourceSYour Annuity and Life Insurance Source

INC.

Tom Devine, CFP®Shortly after receiving his CFP® in 1986, Tom began wholesaling life insurance, annuities and mutual funds. He has based his career on representing high-caliber insurance carriers and believes in building strong, collaborative relationships with financial professionals who value the experience and insight he brings to the table.

Tom’s career background includes the position of Regional Sales Manager with Guardian where he managed a team of 14 wholesalers. In addition, he holds Series 24, 7, 65 and 63 licenses.

Contact Tom Devine, CFP®

Toll-free: (800) 732-1489 ext 6131Direct: (832) 451-5423Email: tom.devine@insourcemg.com

Al’s expertise has made him a key player in annuity and income planning. He has worked with brokers in Chicago and northeastern Illinois for InSource since 2004.As a veteran wholesaler, he brings to the table more than 25 years of experience in the annuity and insurance business. He also holds Series 6, 63 and 26 licenses. Al and his wife have three children and live in Bartlett, IL.

Contact Al Caviani:Toll-free: (800) 732-1489 ext6133Direct: (847) 209-3086Email: al.caviani@insourcemg.com

Al Caviani

Meghan EddyAfter graduating from Denison University with a Bachelor of Arts degree in communication in 2002, Meghan set out to become a writer. She began as a correspondent for The Indianapolis Star north bureau, most recently serving as assistant editor at Indianapolis Monthly magazine. In 2008, Meghan switched gears entirely and made a move to InSource, where she served as marketing director for one year before joining the company’s annuity sales team. She continues to use her creative skills to devise solutions for the financial professionals she serves.

Contact Meghan Eddy:Toll-free: (800) 732-1489 ext 6117Direct: (720) 340-6266Email: meghan.eddy@insourcemg.com

T A K I N G I T T O T H E N E X T L E V E L

Team up with an

MVP

In ourceSINC.

Mike GiftA graduate of Penn State University, Mike joined the InSource team in 2004 as a case manager. He later oversaw the case management department until his transition to the life sales team in 2006. Mike is motivated by helping advisors incorporate life insurance into sound financial planning with the successful combination of concept and product. Coupled with his background in case management, he is prepared to find the best carrier solutions, accommodating health and finance, for our advisors and clients.

Contact Mike Gift, Regional Vice PresidentToll-free: (800) 732-1489 ext 6155Direct: (317) 313-6588Email: mike.gift@insourcemg.com

Neil joined InSource in 2008, bringing to the table more than 25 years of experience in developing fee income programs for financial institutions. With a philosophy that is client- and producer-centric, Neil supports the InSource model of providing the necessary components of top rated carriers coupled with innovative products and experienced external wholesalers, backed by internal partners.

He believes in having an experienced team on the street to consistently educate, train and support financial advisors.

Contact Neil Henry:Toll-free: (800) 732-1489 ext 6130Direct: (317) 517-5911Email: neil.henry@insourcemg.com

Neil Henry

B R I N G I N G T H E I R A - G A M E

Brian Lang is a welcome addition to the InSource team and comes to us with over 30 years of experience in the financial services industry, including 20 of those years working in the banking securities marketplace. Brian is a Certified Financial Planner® and holds Series 7, Series 63 and Series 24 licenses. His professional background includes working as a Registered Representative for LPL Financial and Huntington Investment; Regional Sales Manager for Fifth Third Securities and NatCity Investments; and Senior Vice President/External Wholesaler for Western Southern Financial Group Distributors.

Contact Brian Lang:Toll-free: (800) 732-1489 ext 6119Direct: (314) 591-7340Email: brian.lang@insourcemg.com

Brian Lang, CFP®

Greg McCormick

John Mailey, Vice President, Annuity SalesJohn joined InSource in August 2010, bringing to the table more than 20 years of experience in the financial services and insurance industry. John has worked as an financial advisor, trainer and team leader for several large insurance companies. His goal is to educate, train and support your financial advisor.

John lives in Indianapolis, Indiana with his wife, Johnna, and his daughter Jone’. He also has two married sons and three beautiful granddaughters.

Contact John Mailey

Toll-free: (800) 732-1489 ext 6118Direct: (317) 775-6118Email: john.mailey@insourcemg.com

After graduating from the University of Arizona, Greg joined the InSource team as an Internal Sales Specialist in June of 2011. He was promoted to Regional Vice President in 2014.

Greg believes that InSource is a leading distribution agency because of its relationship-oriented model and its philosophy of always doing what is best for the client.

Contact Greg McCormick:Toll-free: (800) 732-1489 ext 6156Direct: (317) 408-0565Email: greg.mccormick@insourcemg.com

In ourceSYour Annuity and Life Insurance Source

INC.

Jay RobinsonJay has been an integral part of our team for the past 13 years. After graduating with a bachelor’s degree in Marketing and Operations from Indiana University’s Kelley School of Business, he joined InSource as a Life Case Manager in 2001. He later moved into an operations role, where he oversaw the company’s technology and data management systems. Most recently, Jay serves as InSource’s Life Settlements consultant, a position that enables him to help agents find the best insurance vehicle for their clients’ needs. His involvement with premium finance cases and ability to position life insurance in complex estate planning cases have been significant assets to the company.

Contact Jay Robinson:Toll-free: (800) 732-1489 ext 6153Direct: (317) 443-6661Email: jay.robinson@insourcemg.com

Jason SmithJason joined the team at InSource in early 2011, and has been educating and assisting advisors since 2008. Jason knows what it’s like to sit on your side of the desk from his time as an advisor with Smith Barney. Moving from retail to wholesale, he truly appreciates what it takes to be successful in the industry: great relationships and excellent back office support.

Jason holds his Series 6 license and is Life Insurance licensed as well. He graduated with a BS in Finance and Accounting from Central Connecticut State University, where he captained a Division I basketball team and guided them to the NCAA tournament.

Contact Jason Smith, Regional Vice PresidentToll-free: (800) 732-1489 ext 6145Direct: (317) 775-6145Email: jason.smith@insourcemg.com

T A K I N G I T T O T H E N E X T L E V E L

Team up with an

MVP

In ourceSINC.

Callie SederquistCallie joined InSource in 2007. She is a graduate of the University of Illinois with a BA in International Finance.

Callie gained experience working as a financial assistant for a financial planning company who is now one of her clients here at InSource. This has helped give her a unique insight into a financial professional’s needs from the perspective of the client. She enjoys helping insurance and financial professionals find ways of meeting their clients objectives of maintaining and help improve their financial path. Callie is licensed to represent both life and health insurance.

Contact Callie Sederquist:Toll-free: (800) 732-1489 ext 6115Direct: (217) 649-1742Email: callie.sederquist@insourcemg.com

Proven Model for Success

Team up with an

MVP

REGIONALLY MANAGED IN-FIELD, FACE-TO-FACE WHOLE-SALE SUPPORT DELIVERING ONE-ON-ONE CONSULTATION

Internal sales support teams to assist advisors with: Due diligence reviews on carriers and products Case design Illustrations Sales ideas/concepts

WORLD CLASS SUPPORTOn-line contractingConcierge underwriting for life insurance opportunitiesCase designComplete back-o�ce support

Review applications to reduce “NIGOs”/ missing documentsWork with advisors and carriers to ful�ll outstanding requirementsProvide status/communication updates to advisors

EASE OF ADVISOR APPOINTMENT PROCESS

OPTION #1

OPTION #2

New Advisor appointment - electronic entry utilizing SuranceBay

New Advisor appointment - via email to InSource. A one-time entry into SuranceBay

T H E T O O L S T O D O T H E J O B

In ourceSINC.

State of the Art Industry Tools for Advisors RETIREUP RETIREMENT PLANNING TOOL

Modern cloud-based software Goal based tool designed by successful industry advisors Work collaboratively with clientsInteractive; Engages clientStress Test and Sequence of Returns optionsReduces Planning TimeReinforces importance of advisorDi�erentiates advisor from others

SimplifySimplify

Your Life ONLINE LIFE INSURANCE APPLICATION SUBMISSION Simple and fast; less than 10 minutes

TRAININGInSource o�ers a comprehensive training syllabus designed to educate, train, and improve performance through higher closing ratios.

New advisor orientation trainingAdvisor training plan may include successful educational materials, sales

training, illustration creation, and action steps.Business practice management modules:

Identify and capture cross-sell opportunitiesReferral training with centers of in�uenceBuilding the advisor brand identity to become a trusted and knowledgeable resourceSafe money retirement income options

Social Security Review materials and training to integrate bene�ts into client �nancial planningMarketing strategies including what is selling, to whom and why.Sharing best practices/success stories to all advisors and managers through print or conference call updates. Testimonials have been a very e�ective tool in communicating these messages.Training is conducted through multiple means (in-person; webinars; conference calls; regional meetings, etc.)Training is led by InSource personnel and/or core carrier personnel, as needed.

Leverage InSource Advanced Specialty Areas

• Estate and Legacy Planning

• Business Liquidation

• Business Continuation Planning (Buy/Sell Agreements)

• Deferred Compensation Programs

• Restricted Endorsement Bonus Agreement (REBA)

• Single Pay Life Strategies Designed Client Needs

• Charitable Remainder Trust

• Long Term Care Planning

• Qualified Longevity Annuity Contract (QLAC)

• Medicaid Compliant Planning

• Restrictive Beneficiary Endorsement Contract

Assimilation and application of industry best

practices including:

• Building a Thriving Annuity Practice

• Practice Management Disciplines

• Using Your Time Effectively and Efficiently

• Identify Clients that help you Grow Your Business

• Develop a Clear Vision to Reach Your Success

Training Targeted to Improve Your Results

In ourceSYour Annuity and Life Insurance Source

INC.

2 0 1 5 I N S O U R C E P L A Y B O O K

Team up with an

MVP

MARKETING STRATEGIES BASED UPON ANALYTICS GENERATED BY INSOURCE, CARRIERS AND THIRD PARTIES. Weekly business enhancement communications

Access to featured product list and rate sheets

Online Join.Me product training and sales positioning

NAIC Product Training

Weekly Media Report with articles and blogs on current industry and market issues.

Co-branded Email Campaign

Features Issue Ages Minimum Guarantee

Includes a managed volatility index allocation on annual point-to-point with a spread crediting method, seven-year surrender period, additional cost income

rider automatically included

0-80

87.5% of total premium paid, minus any

w/drawals, credited at annual interest rate of no

less than 1.00%

Penalty-free bailout CAP; Inheritance Enhancer, Income Secure, Income Sustainer Plus riders available

<$100k 4.75% pt.-to-pt.cap

w/ 3.00% bailout cap;5.25% mo. Avg. cap

w/ 3.00% bailout cap; 2.20% fixed

>$100k 5.00% pt.-to-pt .cap

w/ 3.00% bailout cap;5.75% mo. Avg. cap

w/ 3.00% bailout cap;2.30% fixed

18-85 Q;

0-85 NQ

1.00% on 90%

Inheritance Enhancer, Income Secure, Income Sustainer Plus riders available; Extended Care &

Terminal Illness waivers available, 10% free withdrawals in first

contract year

18-85 Q;

0-85 NQ

1.00% on 100%

Penalty-free access available; Rollover/transfer funds from IRAs or qualified pension /profit sharing plans;

Reallocation; nursing care and terminal illness/condition benefits

0-85 Q & NQ 1.00% on 100.00%

10% w/d available year 2; Income Protector Withdrawal rider available; RMD;

Nursing Home & Terminal Illness waivers available (waivers not available in MA and PA).

$15k band 3.25% pt.-to-pt. CAP;

1.45% mo. CAP; Performance Trigger

2.75%; 2.00% fixed

$75k band 4.50% pt.-to-pt. CAP;

2.00% mo. CAP; Performance Trigger

3.50%; 2.00% fixed

0-80 Q & NQ

1.00% on 87.5% floating;| 1.00% on 100.00%

floating for: LA and WA.

$15K $100K+ $750K+1 yr Fixed Account 2.15% 2.15% 2.15%1 yr Point-to-Point Cap 4.00% 4.75% 5.00%Performance Trigger 3.10% 3.50% 3.70%Int. Rate Benchmark 3.05 3.60 3.75

Includes a managed volatility index allocation on annual point-to-point with a spread crediting method,

seven-year surrender period0-80

87.5% of total premium paid, minus any

w/drawals, credited at annual interest rate of no

less than 1.00%

Interest bonus equal to 25% of any interest credited (surrender charge, withdrawal requirements or annuitization requirements may lessen bonus received); Annual Rider charge 1.05% of the

accumulation value deducted monthly from the accum value and GMV (in most states).(1.00% DE,

MN). Blended index is made up of Dow Jones Industrial Average (35%), Barclays Capital U.S. Aggregate Bond Index (35%), EURO STOXX 50

(20%), and Russell 2000 (10%).

0-80

87.5% of all premiums paid, less withdrawals, credited at an interest

rate of 1.35% for the first 10 years, then a minimum of 1%

thereafter (varies by state)

Allianz Preferred**

A+

Allianz 222®

Annuity (10 yr. surrender charge period)

$20,000 Q and NQ

15% Premium bonus on all premiums during first three years, applied to Protected Income Value (PIV) not Accumulation Value. Interest bonus equal to 50%

of any interest earned from chosen allocations credited to the PIV (surrender charge, withdrawal requirements or annuitization requirements may

lessen bonus received). Blended index is made up of Dow Jones Industrial Average (35%), Barclays

Capital U.S. Aggregate Bond Index (35%), EURO STOXX 50 (20%), and Russell 2000 (10%).

0-80

87.5% of all premiums paid, less withdrawals, credited at an interest

rate of 1.35% for the first 10 years, then a minimum of 1%

thereafter (varies by state)

Allianz*A+

MasterDex X® (10 yr. surrender

charge period C52575 & R91077-01)

$20,000

4.00% bonus (vested over 10 yrs, surrender charge or annuitization requirements may lessen bonus received) on all premium received in the first 3

contract years,Optional Simple Income III Rider, Annual Rider cost is

.75% of the SWV deducted from the accumulation value and GMV (in most states)

8.00% simple roll-up

0-80

87.5% of all premium less withdrawals at

1.35% per year for the first 10 years, then a

minimum of 1.0% thereafter.

American General

A

Power 10 Protector Plus Income

(10 yr. contract)$25,000

3.00% Premium Enhancement (Bonus) Premium Enhancement (Bonus) is 3.00% for AK,CT, MN, MO, OH, and PA. Includes rider.

50-75 1.00% on 87.5%

American General

A

Power 10 Protector (10 yr. contract) $25,000

3.00% Premium Enhancement (Bonus) Premium Enhancement (Bonus) is 3.00% for

AK,CT, MN, MO, OH, and PA.0-75 1.00% on 87.5%

Great American

A

Safe Return (10 yr. contract) $25,000

Return of Premium included; Bailout CAP; Inheritance Enhancer, Income Secure, Income

Sustainer Plus riders available0-85 1.00% on 100%

6.50% (0-75)4.50% (76-80)

1.60% fixed (minimum fixed interest 0.10%) 3.25% S&P 500; 4.00% Barclays US Dynamic

Balance Index II ann. pt.-to-pt. cap (minimum cap 0.25%);

1.90% S&P 500 mo. sum cap (minimum cap 0.50%);

3.50% mo.avg. spread Blended Index (maximimum spread 12.00%);

2.95% ann.pt.-to-pt. spread Barclays US Dynamic Balance Index II (maximum spread 12%)

6.50% (0-75)4.50% (76-80)

1.30% fixed (minimum fixed interest 0.10%) (Fixed interest not available AL,DE,IA, KY) 2.75% S&P 500 ann. pt.-to-pt. cap

(minimum cap 0.25%);1.60% S&P 500 mo. sum cap

(minimum cap 0.50%);4.00% mo. avg. spread Blended Index

(maximimum spread 12%);

1 yr Fixed Account 2.50%1 yr Monthly Sum Cap 2.00%1 yr Point-to-Point Cap 5.00%

S&P 18-mo Point-to-Point 7.25%GLD 1 yr Point-to-Point 5.50%

4.75% (Q 18-75) 4.75% (NQ 0-75)

3.25% (Q & NQ 76-80) 2.25% (Q & NQ 81-85)

3.25% (0-80 ) 1.95% (81-85)

4.25% (0-75) 2.75% (76+)

Fixed 1.55% 3.00% S&P 500 & Russell 2000 ann. pt.-to-pt. cap;

3.90% Barclays US Dynamic Balance Index II ann. pt.-to-pt. cap (Minimum cap 0.25%)

(Maximum spread 12.00%) 3.25% ann. pt-to-pt spread

Barclays US Dynamic Balance Index II (Maximum spread 12%. (Minimum fixed interest 0.25%)

3.50% (Q 18-75) 3.50% (NQ 0-75)

2.60% (Q & NQ 76-80) 1.70% (Q & NQ 81-85)

Commission

87.5% of premium less withdrawals and any applicable premium

taxes, and the sum of the Minimum Persistency

Strategy Values (MPSV) for each strategy. MPV is implemented at the end of the surrender charge

period.

Interest Rates

* and ** Allianz Life Insurance Company of North America. Allianz Preferred products are only sold by producers authorized under the Allianz Preferred platform. Consideration for Allianz Preferred is subject to Allianz's review of agent history, background, and other factors. The A.M. Best rating of A (Excellent) is the third highest of 16 possible financial strength ratings, and was affirmed July 2014. Product & feature availability may vary by state. Other indexes may be available as allocation options in the Allianz products, as well.Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions not included on non-bonus annuities.

INTERNAL USE ONLY. RATES ARE INTENDED FOR FINANCIAL ADVISORS ONLY.

5.50% pt.-to-pt.CAP w/ 3.00% bailout CAP;6.25% mo. Avg. CAP w/ 3.00% bailout CAP;

1.35% fixed

5.50% (Q & NQ 18-75) 5.50% (NQ 0-75)

4.50% (Q & NQ 76-80) 1.50% (Q & NQ 81-85)

6.50% (0-70)4.50% (71-75)

3.75% Annual pt-to-pt CAP; 2.90% mo. average spread;

1.75% fixed

1.75% Annual pt-to-pt CAP; 3.75% mo. average spread;

1.00% fixed

6.50% (50-70)4.50% (71-75)

RenewalFlex feature allows withdrawal of all or part of the accumulation value for an added cost. MVA not

available in IA, MN, PA, UT.

4.50% (0-75) 3.00% (76+)

Fixed 2.30% 4.75% ann.pt.-to-pt. cap S&P 500 & Russell 2000;

6.25% ann pt.-to-pt cap Barclays US Dynamic Balance Index II (Min. cap 0.25%)

(Maximum spread 12.00%) 1.50% ann. pt-to-pt spread

Barclays US Dynamic Balance Index II (Minimum fixed interest 0.25%)

6.50% (0-75)4.50% (76-80)

1.90% fixed (minimum fixed interest 0.10%) 3.75% S&P 500; 4.85% Barclays US Dynamic

Balance Index II ann. pt.-to-pt cap (minimum cap 0.25%);

2.10% S&P 500 mo. sum cap (minimum cap 0.50%);

3.00% mo. avg. spread Blended Index (maximum spread 12.00%);

2.20% ann.pt.-to-pt. spread Barclays US Dynamic Balance Index II (maximum spread 12%)

4.05% pt-to-pt CAP; 4.55% mo. Avg CAP;

2.45% fixed

4.50% (0-75) 3.35% (76-80)

3.25% (0-75) 2.45% (76 80)0-80

8500 Keystone Crossing, Suite 300 | Indianapolis, IN 46240Phone 800-732-1489 | Fax 317-259-4679email: info@insourcemg.comweb: www.insourcemg.com

In ourceSINC.