According to the U.S. Department of Treasury, Social Security currently covers about 39%¹ of the income you'll need for retirement. That means you'll have to come up with the other 61%, either through an employer-sponsored pension program, personal savings or both. To help prepare for their financial future, many people purchase annuities as a source of retirement income.

Our fixed annuities are designed to offer conservative investors long-term investments that deliver personal solutions for diverse retirement needs. Whether your goal is to accumulate earnings or help protect earnings already accumulated, our flexible premium fixed annuities can be a powerful solution to meet your needs. Our flexible premium fixed annuities offer these features and benefits:

• Competitive interest rate
• Safety of principal²
• Tax-deferred growth of funds³
• No administrative fees
• Access to an income you cannot outlive
• Loan availability, depending on your tax qualification
• Income options that fit your needs
• Protection for your family with a guaranteed death benefit that avoids the probate process
• The experience of a solid company

A key benefit of owning a fixed annuity is the opportunity to allow your money to grow tax-deferred while protecting your initial investment. Our fixed annuities offer a fixed rate of return, and guaranteeing that your interest rate will not fall below a specified percentage².

To determine the annuity that best fits your needs, and for complete information including benefits, limitations, reductions or charges, please feel free to e-mail us. If you are a client interested in purchasing an Annuity Investors Life contract, we will direct you to an agent in your area.

Products not available in all states.
¹ Source: March 2004 Income Supplement, Current Population Survey, U.S. Census Bureau.
² Guarantees based on the claims-paying ability of Annuity Investors Life Insurance Company.
³ Tax deferral may be available through a qualified plan without the use of an annuity.