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From frln@insiq.us  Sat Sep 14 16:21:04 2002

Save annuity clients from sinking renewal rates!
Save annuity clients from sinking renewal rates!	 Save annuity
No surrender charges if the annuity renews below the bailout!
Rated "A (Excellent)" by A.M. Best (for financial strength)
Not a 2 Tiered Annuity -- No Annuitization Required
Call today for more information on the Loyal Integritysm Vision 10
*The contract's base interest rate must fall more than 45 basis points
below the initial base interest rate (effective 9/3/02) before the
bailout provision may be exercised. This feature is subject to change on
**Rates effective 9/3/02 and are subject to change at any time;
first-year interest includes 4.50% base interest rate and 2.00%
***Ages 0-80; Ages 81-90: 7% commission.
Loyal Integrity(sm) Vision 10 annuity issued by Loyal American Life
Insurance Company(sm), Contract Forms PCQXA02NW4 and PCBXA02NW4. Certain
limitations and exclusions apply. Product not available in all states.
This information is for agent use only and is not intended for consumer

<title>6.50% Annuity w/4.05% Lifetime Bailout</title>
height=3D"54" alt=3D"Save annuity clients from sinking renewal =
width=3D"190" height=3D"97" alt=3D"Save annuity clients from sinking =
width=3D"360" height=3D"49" alt=3D"Save annuity clients from sinking =
height=3D"118" alt=3D"No surrender charges if the annuity renews below =
<td width=3D"82%"><b><font size=3D"2">10% Penalty-Free =
<td width=3D"82%"><b><font size=3D"2">Rated &quot;A =
(Excellent)&quot; by A.M. Best (for financial strength)</font></b></td>
<td width=3D"82%"><b><font size=3D"2">10 Year Surrender =
src=3D"http://iiq.us/images/fairlane/20020718-5.gif" alt=3D"Not a 2 =
Tiered Annuity -- No Annuitization Required" width=3D"540" =
<b><font size=3D"2">Call today for more information on the =
Loyal Integrity<sup>sm</sup> Vision 10 annuity!<br>
fill out the form below for more information</font></font></b></td>
Financial Corporation" width=3D"346" height=3D"106" =
<p align=3D"left"><font size=3D"1">*The contract's base =
must fall more than 45 basis points below the initial base =
rate (effective 9/3/02) before the bailout provision may =
This feature is subject to change on future contracts.<br>
**Rates effective 9/3/02 and are subject to change at any =
first-year interest includes 4.50% base interest rate and =
Loyal Integrity(sm) Vision 10 annuity issued by Loyal =
Insurance Company(sm), Contract Forms PCQXA02NW4 and =
Certain limitations and exclusions apply. Product not =
in all states. This information is for agent use only and =