8% vesting bonus. 100% vested at death.
	Index gains credited to date of death.
	Five interest crediting options.
	Settlement option appropriate for Medicaid planning.
	72(t) distributions and RMDs surrender charge-free in the first year.
	Optional competitive income rider.
	Surrender charge waivers-standard on all contracts!
- Unemployment Benefit Rider. - Terminal Illness Benefit Rider. - Nursing Home Benefit Rider.
	NEW! 7%* GA-level comp in Texas only (ages 0-79).

For more information, call your Wholesaler or
Legacy Relationship Manager, 888-343-0883.

AdvanceMark^SM LT flexible premium fixed deferred indexed annuity is issued by OM Financial Life Insurance Company, Baltimore, MD; product is distributed by Legacy Marketing Group^®. Subject to state availability. Certain restrictions may apply. Refer to contract, Earnings Rate Update, sales guide, and State Approval Matrix for details. Form Nos: FGL FPDA-EIA (2005); FGL FPDA-EIA-C (3-08), et al. Rider Endorsement No.: OM GMWB-FA (01-09).

*	Effective for premium received on or after July 9, 2010. Refer to Compensation Schedule for details, including rates in other states.

OM1432v0610_LT_TX

FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

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