Fia sales… In 2015, Fixed Indexed Annuity Sales totaled $54.5 Billion This represented a 13% increase over the prior year while Variable Annuity Sales floundered Final 2016 Data has yet to be posted but FIA sales for the year are expected to total $60B+ for another 15% increase!

ALLIANZ Allianz 222 with PIV RIder

TRAINING AGENDA… Allianz 222 with PIV Rider Benefits Prospecting How to Present

2 ways to get an income increase: 2 ways to get a death benefit: Benefits… 2 ways to get a bonus: 2 ways to get an income increase: 2 ways to get a death benefit: Allianz 222 credits the Protected Income Value with a 15% premium bonus on all premiums received in the first contract year. The Protected Income Value also receives an interest bonus equal to 50% of the interest credited from the chosen allocations. Clients can get annual lifetime withdrawal increases, based on earned interest and an interest bonus equal to 50% of the interest rate from their chosen allocation. Plus, they can double their withdrawal income if confined to an eligible hospital, nursing facility, or assisted living facility**. The client's beneficiaries can receive the full accumulation value in a lump sum, or they can receive the full Protected Income Value as annuity payments over five years or more.

Prospecting… Gtd., Increasing Income Year 11+ Ages 45-60 MUST HAVE THE ABILITY TO WAIT 10 YEARS Looking to supplement pension, SS income with additional guarantees Value downside protection but like upside potential through 50% interest bonuses Increasing income to offset inflation valued IT DOESN’T PAY TO WAIT!

Prospecting… Spousal Survival Benefit Ages 55-65 MUST HAVE THE ABILITY TO WAIT 10 YEARS FOR INCOME (PIV DB available) Looking to provide spouse with either a guaranteed income stream upon passing early or PIV DB paid out over 5+ years if passing away later Confinement Doubler also provides surviving spouse with a form of LTC protection when more likely to be confined If not needed then PIV DB can be passed to next generation over 5+ years

Prospecting… Leveraged Fixed Asset Class Ages 45-65 Looking for principal protection Needs or wants better growth than currently available through traditional fixed assets (i.e. CDs, Bonds, etc.) Upside increases as interest rates increase Though income is not necessarily needed, the leveraged PIV can be utilized for income, confinement or DB purposes

How to Sell it… Begin with Benefits: No cost No downside risk on Accumulation Value due to market returns but some market upside based on market index (indices) chosen 15% PIV Premium Bonus PIV grows by credited return on AV plus 50% Interest Bonus Guaranteed Income for life (lives) that you cannot outlive Income can increase over time to offset inflation Doubler if needed for confinement Show them illustration to reiterate benefits

15% Bonus

50% Interest Bonus 15% Bonus

Paid over 5+ Years

Athene Ascent Pro 10 Bonus Select & Bonus 2.0 with Ascent Income Rider

TRAINING AGENDA… Athene Ascent Pro 10 Bonus Select & 2.0 with Ascent Income Rider Benefits Prospecting How to Present

Benefits… A BONUS - 10% Income Base Bonus GTD. GROWTH -10% Simple Interest for first 10 years 5% Simple Interest for 2nd 10 years GTD. INCOME FOR LIFE - Level or Increasing Increasing Income has a 0.65% lower starting withdrawal % but income can increase each year by credited return LTC SUPPLEMENT - Confinement Doubler Available after Year 1 Doubles gtd. Income if confined to Nursing Home, Hospital or Hospice Facility 5 Years or until Accumulated Value hits $0, whichever comes first

Prospecting… Guaranteed Income Year 11+ Ages 50-65 Looking to supplement pension, SS income with additional guarantees Income available Year 1 if needed Value guaranteed growth for income purposes Like the ability to delay income option (level or increasing)

How to Sell it… Begin with Benefits: Low cost No downside risk on Accumulation Value due to market returns but some market upside based on market index (indices) chosen 10% Income Base Premium Bonus Income Base gets guaranteed growth of 10% Simple Interest for up to 10 years of deferrals Guaranteed Income for life (lives) that you cannot outlive Income can be level or increasing; joint or single and both can be chosen at the time of income Show them illustration to reiterate benefits

THANKS Phone: 800-431-4245