The Loyalty Rewards Equity Index Annuity offers your clients many great advantages.

Premium Bonus 12% (over a 12 year period)

8% Commission Ages 0-79

Annual Reset with Choice of:

• Returns linked to S&P 500 or DJIA
• Point-to-Point or Monthly Averaging
• Fixed rate option
• Freedom to reallocate annually

Lifetime Guarantee of 100% in ALL indexes

Current Caps*

Point-to-Point: Dow 9.00% S&P 500 9.00%

Monthly Average: Dow 10.50% S&P 500 10.50%

Waiver of Surrender Charge upon:

• Death
• Confinement in a Nursing Home
• Terminal Illness
• Unemployment

Please note: This product is not a direct investment in an index.

Flexible Premium!

12% Bonus - 1% Bonus on ALL 1st Yr. Premiums. Additional 1.00% bonus EVERY YEAR for the next 11 years on ALL 1st year premiums.

Guaranteed Min. Cap - 5%; Guar. Min. 3% on 80% of 1st Yr. Premiums; 3% on 88% of Premiums 2nd yr & thereafter

Fixed Rate Option: 3% - Guaranteed Min. 3.0%

Surrender Charges
12 Years: 15%, 15, 15, 15, 15, 14, 12, 10, 8, 6, 4, 2
Nursing Home, Terminal Illness, Unemployment waivers after 1st Year

For licensing and new sales - contact:

USBroker F&G Life - Loyalty Rewards representative

Van Albanese, CLU, ChFC
TheUSBroker Representative
phone: 1-877-341-3342 (toll-free)
fax: 1-315-655-4784
valbanese@theusbroker.com

* click here for a LIST of ALL USBroker National Fixed Annuities or NY Fixed Annuities

Click on the links below for F&G Life pdf documents

• F&G Broker Appointment Paperwork (62 KB PDF) - REQUIRED
  

  F&G Assignment of Commissions to Corporation (156 KB PDF) - only required for agents who require their commissions to be paid to a corporation

  NATIONAL FORMS (NON-FLORIDA)
  Loyalty Rewards Consumer Application - 470kb
  Loyalty Rewards 1035 Form - 31kb
  Loyalty Rewards 1035 Instructions - 132kb

  FLORIDA FORMS
  Loyalty Rewards FL Consumer Application - 3mb
  Loyalty Rewards FL 1035 Form - 31kb
  Loyalty Rewards FL 1035 Instructions - 132kb

  Loyalty Rewards 1pg Marketing Ad - 100kb

  NATIONAL FORMS (NON-FLORIDA)
  Loyalty Rewards Consumer Brochure -1kb
  Loyalty Rewards Agent Guide - 1.8mb
  Loyalty Rewards Agent Manual - 500kb

  FLORIDA FORMS
  Loyalty Rewards FL Consumer Brochure- 769kb
  Loyalty Rewards FL Agent Guide - 3.3mb
  Loyalty Rewards FL Agent Manual- 500kb
  

Visit www.fglife.com for F&G Life's website for current consumer applications and forms for your state (opens in a new internet browser window)

› Fidelity & Guaranty Life by the numbers

• A : (A.M. Best)
• A : (Fitch)
• A-: (S&P)
• A2: (Moody's)

(*) Rates effective 11/25/03 Standard & Poors, S&P, Standard & Poor's 500 and "500" are trademarks of the McGraw-Hill Companies, Inc. and have been licensed for use by Fidelity & Guaranty Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's makes no presentation regarding the advisability of purchasing the Product. "Dow Jones," "Dow Jones Industrial Average^sm" and "DJIASM" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purpose by Fidelity & Guaranty Life Insurance Company. Fidelity & Guaranty Life's Loyalty Rewards^sm and Index Rewards^sm based on the Dow Jones Industrial Average^sm, are not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product(s). Loyality Rewards and Index Rewards are not available in all state. Policies issued by Fidelity & Guaranty Life Insurance.

(2) "Standard & Poor’s®," "S&P®," "S&P 500®," "Standard & Poor’s 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The product is not sponsored, endorsed, or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing the product.

(3) "Nasdaq®," "Nasdaq-100®" and "Nasdaq-100 Index®" are trademarks of The Nasdaq Stock Market, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The product has not been passed on by the Corporations as to its legality or suitability. The product is not sponsored, endorsed, sold, or promoted by The Nasdaq Stock Market, Inc. THE NASDAQ STOCK MARKET, INC. MAKES NO REPRESENTATION REGARDING THE ADVISABILITY OF PURCHASING THE PRODUCT.

(4) "Standard & Poor’s®," "S&P®," "S&P 500®," "Standard & Poor’s 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The product is not sponsored, endorsed, or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing the product.

(5) "Nasdaq®," "Nasdaq-100®" and "Nasdaq-100 Index®" are trademarks of The Nasdaq Stock Market, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The product has not been passed on by the Corporations as to its legality or suitability. The product is not sponsored, endorsed, sold, or promoted by The Nasdaq Stock Market, Inc. THE NASDAQ STOCK MARKET, INC. MAKES NO REPRESENTATION REGARDING THE ADVISABILITY OF PURCHASING THE PRODUCT.

For Agent or Broker Use Only, Not General Publick

Product Availability and Benefits May Vary by State