;) 
 ;) 
 ;) 
 ;)  
      
         
          ;)  | 
         
         
           
            
               
                ;)  | 
                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** | 
               
             
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            Call Dressander & Associates today! 
            ;)  
            - or - 
            
               
                
                   
                    
                       
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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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