FIXED ANNUITY OF THE MONTH:
WITH PORTFOLIO RATES and 3% MINIMUM RATE GUARANTEE:

Since we are in a low interest rate environment, it is now more important than ever to offer your clients an annuity contract where their interest rates can increase if the rates start to increase...the answer is PORTFOLIO RATE DRIVEN annuities!!

OPTION 1*:
* 1st year rate = 3.3%
* 2nd year rate = 3%, HOWEVER if the interest rates are higher at that time, your client will receive a higher rate!
* Issue Age = 0-85
* 10 year annuity

OPTION 2:
* 1st year rate = 4%
* 2nd year rate = 3%, HOWEVER if the interest rates are higher at that time, your client will receive a higher rate!
* Issue Age = 0-90
* 6 year annuity

*Interest rate as of 8/1/2010 subject to change. 3% guaranteed minimum interest rate. **Commission reduction at older ages. Value Master (policy form series L7000 MVA/L7078 Non-MVA) and Master Builder (policy form series AN3009) are single premium deferred annuities issued by Liberty Life Insurance Company, available in most states. Products/features not available in all states. Withdrawals before age 59 1/2 are generally subject to a 10% tax penalty in addition to ordinary income tax.  RBC Insurance® is the brand name for Liberty Life Insurance Company, a part of the global insurance operations of Royal Bank of Canada® Registered trademark of Royal Bank of Canada. Used under license.