For agent use only. Not approved for use with the public.

For agent education only. Not for use in advertising to the general public. 16699 2360310

SHURWEST INCOMESOLUTIONS

Take RMDs andPass On Your Premium

The ProblemIndividuals want to pass on qualified money and IRAs to

their beneficiaries but are forced to liquidate over life expectancy (RMDs)

A SolutionUse Balanced Allocation Annuity™ with the Family Endowment Rider® to provide withdrawals over the

clients lifetime while leaving an increasing legacy with the Family Endowment Rider®

Sales Solutions: RMDs

Mr. and Mrs. JonesAre 70 and 66 years old

Have a large IRA and are concerned about Required Minimum Distributions

Mrs. Jones is most concerned about what will be left for her when Mr. Jones is gone, as Mr.

Jones gets older and is forced to take agreater withdrawal each year

Sales Solutions: RMDs

17 86 $31,391 $588,778 $411,222 $1,309,942

16 85 $32,073 $557,387 $442,613 $1,296,735

These hypothetical assumptions are not guaranteed; the use of alternate premium and rate assumptions could produce significantly different results. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291

RMD Solution using the BalancedAllocation 12™ with the Family Endowment Rider®

Hypothetical Example

Premium • $1,000,000

Client age at issue • 70

RMD through age • 90

Death benefit rollup • 5%

Annual BAA Net Appreciation of

0 Percent

End of Year Age

RMD Paid to Client

Total Income

Accumulation Value DB w/ Family Endowment Rider

1 70 $36,496 $36,496 $963,504 $1,013,504

2 71 $36,359 $72,855 $927,145 $1,027,820

3 72 $36,217 $109,072 $890,928 $1,042,995

4 73 $36,070 $145,142 $854,858 $1,059,074

5 74 $35,918 $181,060 $818,940 $1,076,110

6 75 $35,762 $216,822 $783,178 $1,094,154

7 76 $35,599 $252,421 $747,579 $1,113,262

8 77 $35,263 $287,684 $712,316 $1,133,662

9 78 $35,089 $322,773 $677,227 $1,155,256

10 79 $34,730 $357,503 $642,497 $1,177,566

11 80 $34,358 $391,861

$608,139

$1,199,91312 81 $33,974 $425,835 $574,165 $1,221,910

13 82 $33,577 $459,412 $540,588 $1,243,101

14 83 $33,165 $492,577 $507,423 $1,262,956

15 84 $32,737 $525,314 $474,686 $1,280,857

20 89 $29,214 $678,644 $321,356 $1,325,895

• Taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax. Withdrawals are not credited with interest earnings for that term. Withdrawals in excess of the free amount are subject to withdrawal charges and a market value adjustment as well as any interest accrued during the term that is attributed to the excess amount.

• If elected, the Family Endowment Rider® provides a guaranteed death benefit floor upon the death of the annuitant equal to the premium accumulated at an interest rate of up to 5%.

• The Balanced Allocation Annuity 12™ [BAA12 (09/09) or state variation], the Family Endowment Rider® (DBR (09/09) or state variation), and the BAA Premium Bonus Rider with Enhanced Death Benefit [BDBR 12 (09/09) and [BDBR 8 (09/09) or state variation] or state variation, optional riders for which a charge is deducted, are issued by Aviva Life and Annuity Company, Des Moines, IA. Product features, limitations and availability vary by State; see the Product Disclosure for details.

Disclosures

For agent use only. Not approved for use with the general public

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