GUIDE to LIFE

* Not available in all states. UNA Annuities, IRAs and Coverdell ESA Long-Term Annuities Nine-year annuity A full withdrawal (principal and interest) from the account prior to nine years will incur a decreasing surrender charge Seven-year annuity A full withdrawal (principal and interest) from the account prior to seven years will incur a decreasing surrender charge Five-year annuity A full withdrawal (principal and interest) from the account prior to five years will incur a decreasing surrender charge Flexible Premium Fixed Deferred Annuity A UNA Flexible Premium Fixed Deferred Annuity gives you the option to make flexible contribution payments as frequently or infrequently as you wish, while earning a declared amount of interest. The growth in the annuity is tax-deferred, so you do not pay taxes on the earned interest until the money is paid to you. Payouts begin at a future date, specified by you. Short-Term Annuities Three-year annuity Interest rate is guaranteed for the term A full withdrawal (principal and interest) from the account prior to term will incur a decreasing surrender charge Two-year annuity Interest rate is guaranteed for the term A full withdrawal (principal and interest) from the account prior to term will incur a decreasing surrender charge One-year annuity Interest rate is guaranteed for the term A full withdrawal (principal and interest) from the account prior to term will incur a surrender charge All Flexible Premium Deferred Annuities No sales, maintenance or administrative fees A $1,000 minimum premium is required Growth through tax-deferred compounding of interest until end of term, 10% free withdrawal annually Surrender charges are waived for the following conditions: policy held until end of term terminal illness nursing home confinement catastrophic medical expenses For current interest rate please contact the UNA at 800-253-9862 or 888-538-2833. 22