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Please note that the examples herein are neither company nor product specific. They are concepts shown to give you general information of the benefits and limitations of the products and strategies and are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state. Indexed Universal Life Insurance products rely on the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC. **Some Indexed Universal Life may have optional riders available for additional benefits. Optional riders may be available with a charge. Ayers Financial and its employees and representatives do not give investment, tax or legal advice. We are not affiliated with the Social Security Administration or any other governmental agency. All withdrawals are subject to ordinary income tax. By responding to this offer you may be contacted by a licensed insurance agent regarding retirement income strategies using insurance products. Ayers Financial is insurance licensed in 3 states (AZ,CA,WA) and all producers have the appropriate licenses for the products they offer.