<html><head>Qualified VS Un-Qualified Pensions<meta name=

RECEIVE VALUABLE EMPLOYEE BENEFITS

2011
PENSIONS
“ QUALIFIED PLANS ”⁷		“ NON-QUALIFIED PLANS ”

SEP	Simple IRA	401-K/ 403-B Plan	Life Ins. Cash Value	Fixed Annuities	Variable^¹ Annuities
$49,000 MaxAnnual Cntrb.	$28,000 Max⁵Annual Cntrb.	$49,000 Max⁵Annual Cntrb.	No Max Limit	No Max Limit	No Max Limit
10% Penalty Early Wdraw	25% Penalty Early Wdraw	10% Penalty Early Wdraw	No Penalty Fee⁶	10% Penalty Early Wdraw	10% Penalty Early Wdraw
Pre-Tax Deductible	Pre-Tax Deductible	Pre-Tax Deductible	Post-Tax Deduction	Post-Tax Deduction	Post-Tax Deduction
No loans	No Loans	Loans Permitted	Loans Permitted	No Loans	No Loans
No IRS Reports	No IRS Reports	IRS Reports Required	No IRS Reports	No IRS Reports	No IRS Reports
No Admin. Fee	Annual^²Maintenance Fee	Annual^³Admin. Fee	No Maintenance Fee	No Maintenance Fee	Annual²Maintenance Fee
2 to 100 Employees	2 to 100 Employees	20 to 500 Employees	Cash Value Tax Deferred	Interest Growth Tax deferred	Interest Growth Tax deferred
Voluntary Employer Contribution	Mandatory^⁴Employer Contribution	Voluntary Employer Contribution	Source: www.oneamerica.com	Source: www.jackson.com	Source: www.jackson.com

Notes:

¹ Separate sub-accounts ( Tax deferred )
² Maintenance fee may vary per company
³ Administration fee may vary per company
⁴ Up to 3% of participants pay or 2% of all eligible employees who earn $5,000 per year
⁵ Over age 50 higher limits apply
⁶ May reduce death benefits.
⁷ Source: WWW.IRS.GOV

Click here to print a .DOC version of this page.

Securities Offered Through H. Beck, Inc. Member FINRA/SIPC.
3411 N. 16th St #1098, Phoenix, AZ 85016 ( 602 ) 279-4875