There are several choices:

• 4 Surrender Charge Period Options
• Diversify with several Index Account Options
• Caps as high as 8.45% 2
• Optional GLWB Rider Available - Income PaySM 3 on the 10% penalty-free option only..

Call Madison Brokerage today at 888-539-3232

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

1. Commission Bonus will apply to North American Freedom Choice new business applications received at the Annuity Service Center between 7/20/10 and 8/31/10. No exceptions will be made for applications received outside the dates listed above. Transfers and exchanges must be paid by 10/15/10 to earn the Commission Bonus. Commission Bonus only applies to first-year premiums for the North American Freedom Choice. Commission Bonus applies to personal production only. Production cannot be accumulated between agents for the purposes of the incentive. Commission rates may vary by issue age, contract level, and state of residence. Commission bonuses will be paid through normal commission channels. Agent is responsible for bonus through issuance of IRS Form 1099. Agent must be a current active North American agent in order to receive commission bonus. This commission bonus does not alter or amend
   the Agent Contract or the contracting level assigned to the agent in any way. All rules pertaining to commission chargebacks remain in effect. North American reserves the right to accept or decline business at any time. North American reserves the right to modify or discontinue this program at any time. All rules will be interpreted by North American. All decisions are at the sole discretion of North American and all decisions are final.
2. Cap rate listed is for the Annual Point-to-Point S&P 500 High Band 14-year option with a 5% Penalty-Free withdrawal option. Rates are current as of 07/20/10 and are subject to change.
3. The Income Pay GMWB Rider, is a guaranteed lifetime withdrawal benefit (GLWB), issued on form AE513A (rider) and SP513B (spec page) or appropriate state variation by North American Company for Life and Health Insurance, West Des Moines, IA. This rider may not be appropriate for all clients. Income Pay is not available on the Freedom ChoiceSM with 5% Penalty Free Withdrawal.