Maxi/Saver and Accumulator Annuities

Single Premium Deferred Annuities

A Long Term Tax-Deferred Savings Plan

Maxi/Saver and Accumulator Annuities are single premium deferred annuities designed to maximize the safety and growth of your savings while minimizing the cost. Maxi/Saver and Accumulator provide safety by guaranteeing principal and interest. It enables your money to grow faster by paying high interest, with current taxes on earnings deferred until funds are withdrawn. Additionally, Maxi/Saver and Accumulator offer you liquidity through withdrawal privileges and liberalized annuity payout options.

Maximizes Safety:

• Guarantees principal*
• Guarantees interest rates
• Guarantees liquidity*
• Guarantees various distribution methods including annuity purchase rates
• Guarantees a death benefit

Maximizes Growth:

• Guarantees current interest rate for the first year after issue
• Guarantees a lower interest rate for the entire deferred or accumulation period
• Provides the opportunity to earn higher interest in excess of the guarantees in all contract years, as economic conditions warrant
• Accumulates all earnings on a tax-deferred basis
• Credits interest on 100% of your money from the day it is received by Federal Life

Minimizes Cost:

• No sales charge*; no annual service costs
• Avoids the delays and costs of probate proceedings

*You may incur a surrender charge in the event of early plan termination.

Maxi/Saver and Accumulator may not be appropriate for everyone, but if you are setting aside money for future needs and want to defer current taxes on earnings, consider Maxi/Saver and the Accumulator annuities.

Please contact a Federal Life Insurance Representative for additional details and information on our Maxi/Saver and Accumulator annuities.