Single payment deferred annuity 5. Advantage 50. Experience the stability of a five-year interest rate guarantee

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1 Single payment deferred annuity 5 Advantage 50 Experience the stability of a five-year interest rate guarantee

2 Advantage 50 When we dream of retirement, we dream of spending more time with family and friends, traveling, and relaxing. But even if you ve been preparing financially, market fluctuations could leave you in a situation much different than you had expected. If the volatile nature of high-risk investments has you worried about your financial future, consider the stability of an Advantage 50 annuity. The Advantage 50 annuity is not subject to fluctuations in the financial market your principal will always remain intact. It even offers a five-year interest rate guarantee. Annuities offer many valuable features that can help you prepare for a more predictable future. Enjoy the retirement you have always dreamed of by purchasing an Advantage 50 annuity today!

3 Single Payment Deferred Annuities The Advantage 50 Annuity is a single payment deferred annuity. It is purchased with a single lump-sum premium payment and payouts do not begin until a designated time in the future. Because you are deferring annuity payouts to a later date, you are also deferring tax payment on any interest your annuity earns. Interest will not be taxed until the time it is withdrawn. This annuity may be the perfect place for funds from a 401(k) rollover, a large inheritance, or the proceeds from selling a home. It would also be ideal for anyone who has a large sum of cash that they don t have an immediate need for, but will in retirement. This annuity is available for purchase up to age 85. The minimum purchase amount is $20,000.

4 Accessing Funds Policy withdrawals on interest earned can be made without penalty. If you wish to make additional withdrawals, you will be assessed the appropriate surrender charge during the first five policy years. Five-Year Interest Rate Guarantee Your annuity will earn NMB s initial interest rate for the first five years. After five years, the renewal rate is subject to change, but it will never be less than the guaranteed rate of 1 percent. Annuity Income Options When the time is right, you can convert your deferred annuity to a guaranteed stream of income. When payouts begin, they are guaranteed and will never change. The guaranteed payments will continue according to the settlement option you choose. There are numerous options available depending on your financial goals. Safety Because this annuity is not subject to fluctuations in the financial market, your principal will remain intact. Probate Avoidance In the event of your death, proceeds from your annuity can go directly to your beneficiary, bypassing the drawbacks associated with probate. Surrender Charges Since annuities are designed as long-term contracts, you may be subject to a penalty if you cancel your policy during the surrender charge period or withdraw more than the interest earned. In some cases, we may waive the surrender charge if you choose to withdraw part of your annuity value, prior to income payout, if you are confined to a hospital or skilled health care facility.

5 Tax-Deferred Growth The interest you earn on your annuity will continuously accumulate on a tax-deferred basis until you decide to make a withdrawal or begin receiving regular payouts. This tax-deferred growth is a special advantage of tremendous value it enables you to earn interest on interest rather than paying taxes on interest. For more specific information on how annuities may affect your taxes, please contact your personal tax advisor. Withdrawals are subject to income tax, and most withdrawals made prior to age are subject to a 10 percent IRS penalty. Guarantees are backed by the financial strength and claims paying ability of National Mutual Benefit.

6 National Mutual Benefit People Helping People in Time of Need Established in 1902, National Mutual Benefit is a fraternal life insurance society that has a proud history of helping others. NMB provides individuals, families, and businesses with financial security through competitive life and disability income insurance programs and annuities. As a fraternal organization, we also provide our members with extra protection and security through our fraternal benefits at no additional cost. When you become a member of NMB, you have access to many opportunities and programs that can improve the quality of your life and the lives of those around you. Our members share a common bond and desire to strengthen families, improve communities, and assist others. Through local fraternal chapters, members work to make these goals a reality in a variety of different ways. A few examples include: Benefit fundraisers for individuals and families American flag donations to local non-profits Park and highway cleanups Blood and food drives Assisting seniors This brochure is an outline of benefits only and not a contract. Refer to the policy Form 3011 for exact terms and conditions. Questions on specific matters relating to your financial situation are best answered by your own accountant or attorney. Form 5111