CD/INDEXED FIXED ANNUITY PRE-APPROACH LETTER

Many of you have been very concerned about the low yields, lack of tax deferred growth and early withdrawal penalties on your certificates of deposit (CD's). In response, I have researched the financial market for the appropriate savings vehicle, and I've concluded that the fixed annuity product is the best alternative.

Quite simply, a fixed annuity is a contract between you and a life insurance carrier whereby the carrier credits a guaranteed interest rate to your principal investment, and you don't pay taxes on these earnings until you make a withdrawal or begin receiving an annuity income.

Through my efforts I have established the necessary resources to shop the entire annuity marketplace to meet your diverse investment needs. For example, if you are concerned about interest rates, I'll provide you with an annuity yielding over a 10% return guaranteed for an entire year. Or, if your main focus is on the quality of the annuity carrier, I'll consider only AAA rated companies which have been guaranteeing safe CD alternatives since the 1800's.

Finally, I also have fixed annuities which are indexed to the S&P; 500 Stock Index. They guarantee the return of principal, provide tax deferred growth, and last year they credited 32.52%. Please refer to the following enclosures for more information on these annuities.

I look forward to discussing with you the benefits and features of fixed annuities and will call you next week for an appointment. In the meantime, if you have any questions about this exciting opportunity, please feel free to call me at 000-0000.

Sincerely,

(Your Name/Title)

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