[ga] Tired of Getting Beat Up?

["Safe Harbor" <sh@insurancemail.net>]

Title: Tired of Getting Beat Up?

Check out our great 2002 renewal rates!

Example: The Market Choice III_(sm) from North American

	Participation Rate (Daily Average) Issued 1/1/2001	Participation Rate (Daily Average) 2nd Contract Year
S&P 500® DJIA(sm) S&P 400® Russell 2000®	85% 80% 65% 65%	90% (increased rate!) 90% (increased rate!) 85% (increased rate!) 80% (increased rate!)
Fixed Account Interest Rate: 5.80% (the same great rate!)

The cost of call options that support index annuities has generally declined over the last 12 months. As you can see from the chart above, North American has held true to its renewal rate strategy and declared renewal rates accordingly – renewal rates have remained the same or increased! Keep in mind that your clients have the opportunity to transfer between accounts during a 30 day window after the contract anniversary, if they feel that the previous allocation does not meet their current financial needs.

Ask how you can earn $5,000 in easy $$!

FOR AGENT USE ONLY—NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES. The Market Choice III Annuity is issued on form series LC115 and LS115A and state variations by North American Company for Life and Health Insurance (NACOLAH), Chicago, IL. This product may not be available in all states. "Dow Jones," "Dow Jones Industrial Average SM " and "DJIA SM" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by NACOLAH. Russell 2000 Index is a trademark of Frank Russell Company and has been licensed for use by NACOLAH. "Standard & Poor’s® ", "S&P®", "S&P 500", "Standard & Poor’s 500 Index", "S&P MidCap 400 Index" and "Standard & Poor’s MidCap 400 Index" are trademarks of the McGraw-Hill Companies, Inc. and have been licensed for use by NACOLAH. The Market Choice III annuity is not issued, endorsed, sold or promoted by the Corporations or any of the Indexes listed above. Renewal rates effective 01/01/02 and are subject to change. This does not imply a guarantee that renewal rates will always increase or maintain their current rate. Commissions may vary by state and are subject to change. *16% commission is for issue ages 0-80. **$50 bonus will be paid once contracting with Safe Harbor is formal and complete.

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