A $100,000 deposit into a monthly average, annual reset index annuity with a 1.95% spread and 100% participation rate would have grown to $229,523 between 8/31/1995 to 8/31/2005. That is over an 8.65% annual return over that 10 year period. This is why Equity Indexed Annuities exist, to offer a chance at higher returns that today's deferred fixed annuities just will not reach.

On page 2 of this journal is a copy of the above historical illustration. You can also download the full historical illustration which includes two other historical periods at www.fsdfinancial.com look for the 9.00% commission link. We can run these historical illustrations for your clients who are interested in Indexed Annuities. CD Rom client presentations are also available and are extremely well produced and supply information on the product features and potential. Get licensed for your free CD and agent kit.

FSD Financial has the ability to quote 14 immediate annuity companies on every case. This gives the agent the full spectum of quality, commissions and highest payouts. Currently we have 3 companies with great rates that pay a 4.00% Commission on Immediate Annuities, one is even A++ Rated. Let FSD shop that SPIA for you, we have been a leader in the immediate annuity field for over 10 years.

Impaired risk, medically underwritten, rated annuities offer individuals in poor health higher income due to having their life expectancy shortened by the insurance carrier providing the immediate annuity. For details on these rated annuities call 800-373-9697 or check our website www.fsdfinancial.com.

Our agent love the fact they only need one source for all their fixed annuity product needs. Agents simple call up to discuss the clients situations and we brainstorm to find the best fit for that particular client. Then we put together a professional presentation with illustrations and brochures. Our agents do not need to follow the rates from 20 companies, that's our job and we do it best. Get licensed with FSD today!