A: It is an incredible program for accumulating money for retirement that you design for yourself. It does not require IRS approval and can be in addition to any other type of retirement plan you have now.

A: This plan has a 100% guarantee of principal and is backed by one of the finest life insurance companies in America.

A: Because the plan has a guaranteed minimum rate of interest. What that means is that even if the stock market goes down, you cannot earn less than the minimum interest, i.e., you receive stock market returns without stock market risks. Furthermore, your gains are locked-in annually after they are credited to your account--stocks and mutual funds cannot do that for you.

A: NO. The interest you earn accumulates tax deferred. So the money you would normally pay in taxes stays in your account and earns interest.

A: NO, not if you take your money out as tax-free loans and the plan remains in force until you die.

A: NO. This is your plan. You take the plan with you. You own it. You control it. If you obtained the plan at work and change jobs or become unemployed, you can take the plan with you. Simply call us or the insurance company to tell them you want to continue your contributions.

A: Of course there are--just like any retirement plan. The private pension retirement plan is designed for long-term savings.

A: YES, you can borrow from your plan for a medical emergency, college funding, business need, or any other reason you see fit. You decide to repay the loan at a low interest rate or simply have it deducted from your retirement value.

A: YES, you can. In the future, if you wish to increase your monthly contributions or if you have extra money you want to "dump" into your plan, you normally can add the extra money to your plan (may be subject to additional underwriting).

A: If you become sick, disabled, or unemployed, you can "adjust" your contribution to a lower amount or eliminate the contributions for a temporary period of time. Your contributions are flexible.

A: You retire when you get ready--there is no mandatory retirement age. You decide--not the IRS! There are no penalties for early retirement.