Deferred Annuity

CD interest rates have dropped dramatically!

Are you looking for a better interest rate on your savings than what your bank pays?

Harleysville Life We have what you're looking for. The Accumulator* is a deferred annuity plan that offers an excellent rate of return on your savings - a tax-deferred rate that exceeds the fully-taxable interest being paid by bank savings and CDs. The Accumulator also provides security - if you have money invested in the stock market and it isn't performing well, rely on the Accumulator's guaranteed minimum rate of interest to provide the stable return you need to protect your savings.

The national average for a 5-year CD right now is approximately 2.87%* - this is a taxable rate (non-IRA dollars). Compare this to our Accumulator tax-deferred April 2008 rates:

Under $100,000: 4.15% + .25% first year bonus = 4.40% Guaranteed 1 Year!

$100,000+: 4.30% + .25% first year bonus = 4.55%

First year interest rate bonus: available for lump-sum deposits
that will increase your return - ask us for details!

A taxable rate of 5.76% would be needed to match the base 4.15%
tax-deferred rate of the Accumulator for a taxpayer in a 28% tax bracket.

The Accumulator provides tax-deferred growth -you won't pay taxes on the interest until you make a withdrawal from the contract. You'll be earning interest on your saving dollars, interest on your interest, and interest on the money you would have used to pay taxes each year under a taxable plan - such as a CD!

Tax Deferred - You Will Not Get a 1099 While Your Money Is Earning Interest!
Successive 1-year current interest rate guarantees
Guaranteed minimum interest rate of 3%
No Up-Front Fees or Charges -decreasing surrender charges for only 5 or 7 years
10% Penalty Free Withdrawals after the first year for up to 10% of the value
Avoid Probate - unlike many mutual funds or bank CDs, annuity proceeds are paid
directly to the beneficiary without any cost, probate delay or surrender charges!

If you want to take advantage of this great plan, please give us a call at 908 852-4444 to discuss the details and answer any questions that you may have. As always, we appreciate your current business and hope to continue serving you in the future.

* underwritten by Harleysville Life Insurance Company, Harleysville PA

Referrals
We appreciate your referrals. If the referral results in the purchase of a policy with us, you will receive a $25.00 American Express Gift Check as a token of our appreciation.

Stuber Insurance Agency
115 Mill Street (Route 46) P.O Box 444
Hackettstown, N.J. 07840

service@stuberinsurance.com
908 852-4444 Fax: 908 852-1808
www.stuberinsurance.com

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