Enjoy these benefits:

• Guaranteed return of principal. We guarantee to return 100 percent of your principal contributions, minus the amount of any previous withdrawals and surrender charges, if you surrender your annuity.
  
• Guaranteed minimum interest rate. You will never receive less than the guaranteed minimum interest rate stated in the annuity certificate.

• Competitive interest rate. Current interest rates are reviewed quarterly and reflect current market conditions.

• Tax-deferred growth. Interest accumulates tax-deferred until you take a withdrawal.
  

• No upfront sales charges or annual maintenance fees. 100 percent of your contributions will earn interest.

• Fixed surrender charge period. A set surrender charge exists.

• Flexible payout options. You can choose from a variety of payout options to fit your needs.

• Not subject to probate. Proceeds can be paid to a named beneficiary (other than your estate), avoiding the possible delays and expense of probate.

Guarantees are backed by the claims-paying ability of Modern Woodmen. This annuity is issued on Form 06 FPDA or a state specific variation where applicable. State variations may apply. This material is for informational purposes only. Please read your contract and disclosure statement for complete details of this annuity’s features. This material is not intended to provide tax or legal advice. Consult your tax or legal advisor before making a decision.

• Choose your guaranteed period. Contribute a single premium between $10,000 and $1 million. Lock in a guaranteed rate for 3, 5 or 7 years.

• Avoid market risk. Enjoy conservative, steady growth with predictable future values. (Assumes no withdrawals.)

• Renew or use your money. At the end of your guaranteed period, you can choose a new 3-, 5- or 7-year guaranteed period at the current available rates. You can even add additional money or take your funds without a withdrawal charge. (Just remember, withdrawal charges reset at renewal.)

You can also do nothing. Your money will stay in the contract, but earn a new 1-year guaranteed interest rate. You can access your funds free of withdrawal charges … or even withdraw the entire balance.

Withdrawals taken during the guaranteed period are subject to withdrawal charges. Some exceptions may apply.

Interest generated by the multi-year guaranteed annuity is taxable when withdrawn. Withdrawals before age 59½ may result in a 10% IRS penalty. Guarantees are backed by the claims-paying ability of Modern Woodmen. This annuity is issued on Form ICC 19 MYGA or a state specific variation where applicable. State variations may apply. This material is for informational purposes only. Please read your contract and disclosure statement for complete details on this annuity’s features. This material is not intended to provide tax or legal advice. Consult your tax or legal advisor before making a decision. This annuity is not available in New York.

Advantages include:

• Multiple investment options. Tailor your portfolio to your investment goals by selecting from a variety of investment options.
• Tax-deferred growth. Potential earnings grow tax-deferred until you make a withdrawal.
  
• Flexible contributions. There are minimum amounts required to set up your variable annuity. Then you control the amount and frequency of the premium payments made.
  
• Tax-free exchanges. You can make a set number of transfers between subaccounts each year without incurring a charge.
  
• Automatic rebalancing. Each year, the automatic rebalancing feature can reallocate the funds in your contract to the allocation percentages used for new premiums, maintaining your asset allocation strategy.
  
• Withdrawal options. The variable annuity gives you convenient access to funds when you need them. Ten percent of accumulated value may be withdrawn without a surrender charge each contract year.
  
• Death benefits. This feature ensures your loved ones receive a death benefit from your annuity. Subject to restrictions. Certain rules apply.

Consider the investment objectives, risks and fees, and the charges and expenses of a variable annuity carefully before investing. An investment in a variable annuity is subject to market risks, including the potential loss of principal. For this and other information about variable annuities, obtain a prospectus and underlying fund prospectus from your Modern Woodmen representative. Read it carefully before you invest or pay money.

Guarantees are backed by the claims-paying ability of Modern Woodmen. This annuity is issued on Form VAMWA 02-02 or a state specific variation where applicable. State variations may apply. This material is for informational purposes only. This material is not intended to provide tax or legal advice. Withdrawals made before age 59½ may result in a tax penalty. Consult your tax or legal advisor before making a decision.

Enjoy these benefits:

• Guaranteed lifetime income. You can turn a lump-sum amount into a guaranteed retirement paycheck that can last your lifetime or for the combined lifetimes of you and your spouse.
  
• No upfront sales charges or annual maintenance fees. 100 percent of your contribution is used to produce your guaranteed lifetime income payment.
  
• Options to protect your principal contribution. This option eliminates concerns about dying before you receive payments equal to the amount you contributed to the annuity.

A Single Premium Immediate Annuity can help you achieve your retirement distribution goals. Your Modern Woodmen representative can show how you can use a portion of your savings to create a stream of guaranteed lifetime retirement income.

This annuity is issued on Form ICC20 SPIA or a state specific variation, where applicable. State variations may apply. This material is for informational purposes only. Please read your contract and disclosure statement for complete details on this annuity’s features. This material in not intended to provide tax or legal advice. Consult your tax or legal advisor before making a decision.

Early withdrawal from an annuity may result in surrender charges and tax implications (including a 10% penalty prior to age 59½). All guarantees are based on the claims-paying ability of Modern Woodmen of America.

This annuity offers:

• A fixed track with an interest rate guaranteed for one-year terms. This track offers a current interest rate, guaranteed for one-year terms. Your interest rate is subject to change each year but will never be less than the minimum guaranteed interest rate defined in your certificate.
• Choice of growth and balanced index tracks. The annuity tracks the performance of two indices designed by Franklin Templeton -- the Franklin US Core Index and Franklin US Core Balanced Index.
• Tax deferral, which helps your money grow faster. Any interest credited in this annuity is not taxable until withdrawn. Over time, the power of tax-deferral may result in greater retirement savings.
• An optional guaranteed lifetime withdrawal benefit rider. This rider has the ability to provide future retirement income. You may withdrawal up to the maximum annual withdrawal benefit each year. Withdrawals will decrease your account value. However, you’ll continue to receive the maximum annual withdrawal benefit for the rest of your life, even if the account value is exhausted. There’s an annual charge for this rider. You can terminate at any time.

This product is a contractual agreement between you and an insurance company. It does not directly participate or contribute to any investment, security, or index. Some track options may be subject to a track charge that is deducted from the track value at the beginning of each certificate year. The Cap, Participation Rate, and Track Charge Rate used in determining the Track Rate from the index are not guaranteed and are subject to change. Index-linked returns do not include the portion of returns generated by the underlying index that come from dividends, unless specified otherwise. All guarantees are backed by the claims-paying ability of Modern Woodmen. This annuity is issued on certificate and rider forms ICC23 FIA, ICC23 FIA-SCH, ICC23 PTPTR, ICC23 WWCR, and ICC23 GLWBR or a state specific variation where applicable. State variations may apply. This material is for informational purposes only. Please read your contract and disclosure statement for complete details of this annuity’s features. This material is not intended to provide tax or legal advice. Consult your tax or legal advisor before making a decision.