For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669

Sales Solutions Income NOW for Life The Problem Individuals want income starting immediately they cannot outlive AND want to pass along as much as possible to their beneficiaries A Solution BalancedAllocation Annuity™ with the BalancedAllocation Annuity™ Income Advantage™& the Family Endowment Rider® For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669 2

Sales Solutions Income NOW for Life Mr. and Mrs. Jones Are 65 and 65 years old Have saved for their retirement, want income now, but are concerned about outliving their money. Mrs. Jones is most concerned about income for the rest of her life and what will be left for her children. For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669 3

Year Age Guaranteed Income Paid Total Income Accumulation Value DB w/ Family Endowment Rider Income Now using the BalancedAllocation Annuity 12™ with the Income Advantage™ & Family Endowment Riders® 1 66 $50,000 $950,000 $988,134 2 67 $50,000 $100,000 $900,000 $975,265 3 68 $50,000 $150,000 $850,000 $961,128 Hypothetical Example Premium • $1,000,000 4 69 $50,000 $200,000 $800,000 $945,420 5 70 $50,000 $250,000 $750,000 $927,798 Client age at issue • 65 Years 6 71 $50,000 $300,000 $700,000 $907,872 Income through age • 80 years Death benefit growth • 4% 7 72 $50,000 $350,000 $650,000 $885,902 8 73 $50,000 $400,000 $600,000 $859,206 9 74 $50,000 $450,000 $550,000 $829,564 Annual BAA Net Appreciation of 10 75 $50,000 $500,000 $795,399 0 Percent 11 76 $50,000 $550,000 $450,000 $756,077 12 77 $50,000 $600,000 $400,000 $710,798 13 78 $50,000 $650,000 $350,000 $658,660 14 79 $50,000 $700,000 $300,000 $598,655 15 80 $50,000 $750,000 $250,000 $529,654 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. 13780 055669 4

Disclosures Taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax.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 4%. Assuming the Income Advantage is kept in effect, the accumulation stops at the earlier of 18 years (if the 10 year extension is elected) or when Lifetime Income Withdrawals begin.  The 8% guaranteed growth pertains to the rider's Income Base and does not apply to the base annuity contract's Accumulated Value.  Your Income Base is the value upon which your Lifetime Income Withdrawals are based. The Income Base is only accessible through Lifetime Income Withdrawals that you can start and stop and restart. It is not payable as a cash surrender value. The Income Base is not the same as the Accumulation Value of the BalancedAllocation Annuity™ contract. The BalancedAllocation Annuity™ 12 [BAA12 (09/09) or state variation], the Family Endowment Rider® (DBR (09/09) or state variation), the BAA Premium Bonus Rider with Enhanced Death Benefit [BDBR 12 (09/09) and [BDBR 8 (09/09) or state variation] or state variation], and the BalancedAllocation Income Advantage™ (BAAIR (09/09) 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. For Agent Education Only ~ Not for use in advertising to the general public. 13780 055669 5