S&P 500 INDEX PRO : WALL STREET WITHOUT THE WORRY

THE S&P 500 INDEX : WHY IS IT SO POPULAR ?
THE S&P500 INDEX

THE SINGLE PREMIUM PRODUCT.
TRANSFERS ACCEPTED FROM YOUR EXISTING ANNUITY PROGRAMS.

Widely regarded as the standard for measuring large-cap U.S. stock market performance, this popular index includes a representative sample of leading companies in leading industries. The S& 500 is used by 97% of U.S. money managers and pension plan sponsors. More than $1 trillion is indexed to the S&P 500.

Why is the S&P 500 so Hard to Beat?

It is possible to outperform the S&P 500; a number of money managers do it in any year or period of years. But, as many know, it is hard to beat it consistently. In a search of Standard & Poor's mutual fund data, only 14 diversified equity funds beat the index's annual return of 22.98% for the five years ending with November, 1998.

The index numbers are impressive. In the five years through November, 1998, the S&P 500 returned 181.30%, including reinvested dividends. This is an average annual return of 22.98%. If you had put money in the S&P 500 35 months ago, it would have doubled as of the end of November. And investors can achieve the index's performance in any of a number of index mutual funds that mirror the S&P 500. One of S&P's goals is that our indices be "investable" - so people can easily own all the stocks in the index and obtain virtually the same results as the index.

It's not easy to beat, but investors around the world have chosen the S&P 500 as the standard representative of the U.S. market precisely because of the care we take in making sure it effectively reflects the market. Over 400 financial institutions worldwide are licensed to create S&P index-linked investments. No index is more widely used than the S&P 500.

An Equity Index Annuity can help you achieve your goals without the usual stock market risks. The TSA PRO agent would be happy to talk with you about how an Equity Index Annuity might fit in your retirement plan.

* "Standard & Poor's 500" is a trademark of The McGraw-Hill Companies, Inc. This trademark has been licensed for use by Insurance Companies throughout the United States.

The Index Annuities offered through TSA PRO reflect the desire to create a secure future for their clients. The Index Annuities that you will be reading about offer the ability to get market growth and those gains are locked in year to year. Each year the gains are reported and this becomes and is reflected in your client report. The differences between investing directly with the stock market and these funds is in the guarantees the company makes to you.

In the Flex Dex Bonus you have the benefit of an annual reset. This locks in the previous years gains and never the losses.

Please read on in the next presentation.

The Index Annuity has been a popular choice among the TSAPRO clients. You get all the gains without the losses that can occur in the market.

The TSA PRO decides on which products to market and those decisions always take into account the importance of quality and financial returns.

THE S&P 500 INDEX ANNUITY

FEATURES: INDEX ANNUITY PLANS OFFER THE FOLLOWING BENEFITS.

Annual Reset of S&P500 Index Value: The S&P500 value is reset each year, locking in only the previous year's gains and never any losses.
Guaranteed 100% Participation in the S&P500 Index Gains for the Life of the Policy. You lock in 100% of the average monthly S&P 500 index gains each year performance is positive, up to a guaranteed maximum -for the life of the policy!
Immediate 5% Increase in Value
The day the funds are received your premium is credited to your policy and a 5% bonus is credited to all payments made during the first five policy years.
Absolutely No Asset Fees
You are guaranteed that 100% of your premium is always earning compound, tax-deferred interest.
Lump Sum Payment Option
Choose to take a lump-sum distribution of the Cash Surrender Value. This amount is equal to the Accumulation Value less any Surrender Charges, for a period of 12 years. After the 12th year the Cash Surrender Value will be equal to the Accumulation Value.
Free Withdrawals
After the first policy year, or 12 months after the last premium payment is received, you can elect to take a Free Withdrawal once each year. You may withdraw up to a cumulative 15% of the total premium paid.

ADDITIONAL BENEFITS OF THE S&P500 INDEX ANNUITY PLAN

SAFETY OF PRINCIPAL
TAX FAVORED GROWTH
FREEDOM FROM PROBATE
INCOME GUARANTEED FOR LIFE
GUARANTEED RETURN OF PREMIUM
(Upon your death, your heirs are guaranteed the greater of the Cash Surrender Value or 100% return of premium, less any partial surrenders, the amount of your outstanding loans and unpaid interest, while your policy is in deferral.

OPTIONS AT THE END OF 5 YEARS

Continue Indexed Accumulation.
5 Year Interest Only.
10-Year Certain Fixed Distribution.
Distribution Indexed to the S&P 500 Index.
Systematic Withdrawal of Interest.

Call for a complete explanation of all the benefits available with this S&P500 Index product.

THE TOP 500 COMPANIES IN AMERICA

Is the stock market keeping you awake at night? Do the gyrations of the stock market make you nervous at times?

These are very important questions to ask yourself. The issue of retirement funds is a very important one. The question of security is the most important question you will have to ask yourself in the years to come.

Life doesn't have to be so hard. Alan Greenspan has helped propel the monetary policy of The United States with his many fiscal moves to steady our economy and nation. The market holds it's breath when he meets with Congress. The Federal Reserve dictates interest rates on your money and how much is charged by financial institutions.

There are few of us that can match his ability and financial acumen. His moves are designed to create a secure nation and guarantee our nation's continued financial prosperity.

The programs that are outlined on the TSA PRO website are designed to create steady consistent growth for educators and clients who work outside education as well.

The S&P500 Index Annuity guarantees that you can keep pace with the market without the risks that accompany it.

You do not have to be a financial whiz to reduce your taxes and earn tax-deferred growth. The S&P500 Annuity products insure the you only get the gains and never any losses in the market.

What could be more comfortable?

Please send an E-Mail with any questions you may have as well as setting up an appointment for your confidential review. You will be glad you did.

THE BENEFITS OF PLANNING PROPERLY

The benefits of proper retirement planning are numerous. These Cruise Ship images are from many clients who have planned properly. The ability to travel, take a holiday cruise, help children go to college, and many more benefits are the results of proper planning. The clients who planned and saved for the future are now enjoying the fruits of their efforts. The ability to shelter money on a pre-tax basis far outdistance after tax savings.

The greatest joy any financial services planner can have is the results that clients get with these excellent programs.

You can determine the course of your future. The ability to shelter funds is granted by the 403b programs that have been outlined on this website. The rest is up to you.

You may be the next person who sends us a postcard from Alaska, Asia, or Europe. Teachers deserve to win.

E-MAIL : TSA PRO / LEON FAINSTADT