BUILDING a LEGEND

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• BUILDING a LEGEND

LBL7130 March 2003
For Broker/Dealer or Agent Use Only
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and NOW the LEGEND continues

• SAVERS INDEX annuity PLUS
• Offers a shorter withdrawal charge period of
  just five years, for customers concerned about
  unforeseen circumstances
• SAVERS INDEX annuity PREMIER
• Offers a credit enhancement, rewarding customers
  for long-term commitment, with no limiting
  conditions such as the need to annuitize

Credit enhancement is considered to be gain for
tax purposes.
For Broker/Dealer or Agent Use Only
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what LEGENDS are MADE of

• Underlying guarantees
• Date of death processing1
• Annual vesting of credited interest
• 10 annual free withdrawal after first year2
• High premium incentives
• Illustration software

1Death benefits processed with date-of-death as
the last contract anniversary for SIA and SIA
III and date of proof of death as the last
contract anniversary for SIA Plus and SIA
Premier. 2Distributions taken prior to
annuitization are generally considered to come
from the gain in the contract first. If the
contract is tax-qualified, generally all
withdrawals are treated as distributions of gain.
Withdrawals of gain are taxed as ordinary income
and, if taken prior to age 59 1/2, may be subject
to an additional 10 federal tax penalty.
For Broker/Dealer or Agent Use Only
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the WHOLE kit and caboodle

• Innovative low watermark option
• A choice of four crediting strategies and a
  fixed account
• Waiver of withdrawal charges for the inability
  to perform two or more activities of daily living

For Broker/Dealer or Agent Use Only
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EXPERIENCE the LEGEND

• Annual Reset with Point-to-Point
• Annual Reset with Point-to-Point with the
  Low-Watermark Option
• Annual Reset with Monthly Averaging
• Monthly Cap
• Fixed Account

For Broker/Dealer or Agent Use Only
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EXPERIENCE the LEGEND

• Annual Reset with Point-to-Point

Hypothetical SP 500 Values
Contract Monthiversary
For Broker/Dealer or Agent Use Only
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EXPERIENCE the LEGEND

• Annual Reset with Point-to-Point
• with the Low-Watermark Option

Hypothetical SP 500 Values
Lowest SP value in first 90 days
Contract Monthiversary
If the Low Watermark Option is selected, funds
cannot be transferred to a different crediting
strategy. After the first contract year, the
calculation of the indexed interest is the same
as the Annual Reset with Point-to-Point crediting
strategy.
For Broker/Dealer or Agent Use Only
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EXPERIENCE the LEGEND

• Annual Reset with Monthly Averaging

Hypothetical SP 500 Values
Average Monthly Index Value Line
Contract Monthiversary
For Broker/Dealer or Agent Use Only
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EXPERIENCE the LEGEND

• Monthly Cap

Hypothetical SP 500 Values
Monthly Index Changes
7.5 0.9 (5.5) 2.4 3.8 5.5
(4.4) 2.3 1.3 0.9 0.4
(1.3)
Contract Monthiversary
For Broker/Dealer or Agent Use Only
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BUILDING a LEGEND

• GROWTH potential
• Credited interest linked to performance of the
  SP 500
• High premium incentives

For Broker/Dealer or Agent Use Only
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BUILDING a LEGEND

• guaranteed PROTECTION
• Credited interest is locked in and not subject
  to SP downside risk
• If the SP is down over the term of the contract,
  your customers are still guaranteed to earn
  something

Guarantees are based on the claims paying ability
of Lincoln Benefit Life.
For Broker/Dealer or Agent Use Only
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BUILDING a LEGEND

• GREATER possibilities
• Multiple product options so that you can
  determine what is best for the customer
• Features for customers to access money when they
  need it

For Broker/Dealer or Agent Use Only
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BUILDING a LEGEND

• GROWTH potential
• guaranteed PROTECTION
• GREATER possibilities

legend3.accessallstate.com 888-525-7355
For Broker/Dealer or Agent Use Only
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Guarantees are based on the claims paying ability
of Lincoln Benefit Life.   The annuity contracts
and riders described may not be approved for sale
in all states. Call your Marketing Organization
or the home office for a current update on your
state.   The Savers Index Annuity, Savers
Index Annuity Plus and Savers Index Annuity
Premier are single premium deferred annuities and
the Savers Index Annuity III is a flexible
premium deferred annuity. All are issued by
Lincoln Benefit Life Company, Lincoln, NE, a
wholly owned subsidiary of Allstate Life
Insurance Company, Northbrook, IL. Savers Index
Annuity is available in most states with contract
series AP9412 and certificate series GAP9412.
Savers Index Annuity III is available in most
states with contract series AP9750 and
certificate series GAP9750. Savers Index
Annuity Plus is available in most states with
contract series AP0530. Savers Index Annuity
Premier is available in most states with contract
series AP0540.   Standard Poors, SP,
SP 500, Standard Poor's 500, and 500
are trademarks of The McGraw-Hill Companies,
Inc., and have been licensed for use by Lincoln
Benefit Life Company. Savers Index annuities are
not sponsored, endorsed, sold or promoted by
Standard Poor's, and Standard Poor's makes no
representation regarding the advisability of
purchasing this product.   For Broker/Dealer or
Agent Use Only- this material may not be quoted,
reproduced or shown to members of the public, nor
used in electronic or written form as sales
literature for public use.   Not FDIC,
NCUA/NCUSIF insured Not a deposit No bank or
credit union guarantee Not insured by any
federal government agency
For Broker/Dealer or Agent Use Only