EFFECTIVE: September 1, 2011

Unless you’ve been on vacation in a cave with no access to e-mail, Internet, text, television, or newspaper, you likely know how volatile the market has been. But don’t be afraid! The beauty of doing business with Legacy is our depth of carriers and products. If you don’t open your monthly package of Quick Reference Sheets, you could be missing out on some great opportunities!

• Fidelity & Guaranty Life Insurance Company has held its rates steady for September, including the low spreads on the three-year reset monthly averaging strategy! This strategy has NO moving parts during the reset period—a spread is applied ONCE at the end of the three years—and it is extremely competitive, especially in light of spreads as low as 0.25%* or a vesting bonus as high as 8%!

• PHL Variable Insurance Company’s CommandMark^SM still offers a vesting bonus as high as 12% (varies by state) and an 8% income base roll-up on the optional income rider! And CommandMark is now available in MA, MD, MS, MT, and NH.

To learn more about these and other Legacy products, review the Quick Reference Sheets. Besides information on crediting strategies, you’ll find information on everything from product differentiators to surrender charge schedules and issue ages. New rates, state approvals, and commissions are highlighted in blue.

Also attached is our popular “Legacy One-Stop Shop” flier.

Reminder: The change from OM Financial Life Insurance Company to Fidelity & Guaranty Life Insurance Company will be in place on all marketing materials and forms as of September 1, 2011. After that date, materials referencing OM Financial Life should be destroyed or recycled, as they can’t be used after that date, and premium checks should be made payable to Fidelity & Guaranty Life Insurance Company. New Fidelity & Guaranty Life materials may be ordered from The Forms Store.

Have questions or need sales ideas? Call your Legacy Relationship Manager today at 888-452-5779.

Thank you for your business!

Products distributed by Legacy Marketing Group^®. Products, features, and riders may not be available in all jurisdictions. Certain restrictions apply. Refer to contracts, Earnings Rate Updates, sales guides, and State Approval Matrices for details. AmeriMark^SM Freedom Series and AdvanceMark^SM flexible premium deferred fixed indexed annuities are issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD; Form Nos: OM-CEIAII-0708-0, OM-CEIAII-0708-B, OM-CEIAII-0708-1, OM-CEIAII-0708-B-1, FGL FPDA-EIA (2005); FGL FPDA-EIA-C (3-08), et al. CommandMark Series single premium deferred fixed indexed annuities (11LIA, et al) are issued by PHL Variable Insurance Company (PHLVIC), Hartford, CT; PHL Variable Insurance Company is not affiliated with Legacy Marketing Group.

About Bonus Products—Crediting amounts and interest rates may be less for contracts with a premium bonus than for similar non-bonus annuities.