Your Fixed Indexed Annuity is not a security or any type of investment contract. It is not a stock market investment and does not directly participate in any stock or equity investments. Your Premium is never directly invested in the external index that is part of the crediting strategies you choose.

SILAC^®  is licensed as SILAC Life Insurance Company in the state of California, license #6244-8. Policy form numbers and product availability vary by state. In Idaho, policy form is ELCFIA-ID. Annuities are a product of the insurance industry and are not guaranteed by any bank, nor insured by FDIC or NCUA/NCUSIF. Not a deposit. Not insured by a federal government agency. Withdrawal charges, bonus recovery, and market value adjustment may apply to withdrawals made during the withdrawal charge period. Restrictions apply. May only be offered by a licensed insurance agent.

For full disclosures, please visit www.SILACins.com/disclosures