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					AnnuityLife Producer Consultants
Fixed Annuities: Week 3/28/2011 - 4/1/2011
For information call (800) 488.4015
   Product      Bonus         Interest       Surrender          Issue Ages Minimum                                           Special         Available in        Commissions
                               Rates          Period             Minimum Guarantees                                         Features          all states
                                                                 Premium                                                                       Except




                                           Allianz Life Insurance Company of North America
                                                            5701 Golden Hills Drive Minneapolis, MN 55416
                                                                  AM Best A S&P AA Moody's A2

  Dominator     No bonus       5 Year          10 Years            0-85       3% on 90%       Full AV,      Beginning      Nursing Home          NY, OR              5 Year
    Plus                    $25K-$99,999   9,8.10,7.20,6.30,                              minus loans &    immediately,     Flexible WD                            (0-75) 3%
    SPDA                       1.90%        5.40,4.50,3.60,        $25K Q                   wds, pd to     10% of prem     Benefit Rider                           (76-80) 2%
                               $100+        2.70,1.80,0.90        $25K NQ                 beneficiary in      paid is                                              (81-85) 1%
                               2.00%            +/- MVA                                   a lump sum or      available
                                                                                              annuity      each contract                                             10 Year
                                                5 Years                                      payments          year                                                (0-75) 4%
                                           9,8.10,7.20,6.30,                                                                                                       (76-80) 3%
                               10 Year            5.4                                                                                                              (81-85) 2%
                            $25K-$99,999
                                2.90%
                                $100+
                                3.00%




  Dominator     No bonus       1-year          3 Years             0-85       3% on 90%       Full AV,      Beginning      Nursing Home    CA, CT, DE, MA, MT,        1 Year
   Select                   $25K-$99,999       6, 5, 4, 0                                 minus loans &    immediately,     Flexible WD      NV, NJ, NY, OK,      (0-85) 0.25%
    SPDA                       1.50%                               $25K Q                   wds, pd to     10% of prem     Benefit Rider       OR, PA, WA
                               $100+        MVA will apply        $25K NQ                 beneficiary in      paid is                                                 2 Year
                               1.50%       except during the                              a lump sum or      available                                            (0-85) 0.50%
                                            30-day window                                     annuity      each contract
                                            after each GIR                                   payments          year                                                   3 Year
                                                period.                                                                                                           (0-85) 1.25%
                               2-Year
                            $25K-$99,999    The surrender
                               1.50%        charge % will
                               $100+       decrease by 1%
                               1.50%         each yr, until
                                             contract yr 4
                                           when surrender
                                           charge will = 0%
                               3-Year
                            $25K-$99,999
                               1.50%
                               $100+
                               1.50%




                                              American Equity Investment Life Insurance Company
                                                               6000 Westown Parkway West Des Moines, IA 50266
                                                                             AM Best A- (Excellent)

 FPDA-10       2% Bonus    4.25% first year        12 Years          0-80 Q & NQ   1.50%       Full AV        10% per yr.    Nursing Home       AL, AK, CT, FL, MN,           (0-75)
  FPDA                     2.25% base rate     14, 13, 12.5, 12,                                               after yr. 1       Rider            OR, NY, TX, UT          Yr 1: 7.50%
                                               11.5, 11, 9.5, 8,                                               Systematic    Terminal Illness                             Yr 2: 1.25%
                                                 6.5, 5, 3.5, 2         $2kQ                                 W/D and RMD         Rider                                    Yr 3: 1.25%
                                                                       $5kNQ                                  immediately                                               Add'l $ added in
                                                                                                                                                                         yrs 2-5: 3.75%

                                                                                                                                                                            (76-80)
                                                                                                                                                                         Yr 1: 5.63%
                                                                                                                                                                         Yr 2: 0.93%
                                                                                                                                                                         Yr 3: 0.93%
                                                                                                                                                                        Add'l $ added in
                                                                                                                                                                        yrs 2-5: 2.81%

                                                                                                                                                                      Commissions vary in
                                                                                                                                                                      CA, IN, KY, MA, MD,
                                                                                                                                                                      MO, ND, OK, PA, SC,
                                                                                                                                                                          TX, VA, WA


Guarantee                      5 Year              5 Years           0-80 Q & NQ   2.00%     Full Contract    Annually,      Nursing Home            AK, AL,                  MVA
Series (5&7)                    MVA                9,8,7,6,5                                     Value       Penalty-free        Rider               MO, NY               (0-75) 3.00%
   SPDA                        3.15%                                                                            WD of                                                    (76-80) 2.00%
                                                   7 Years              $10K                                   interest
                              Non-MVA            9,8,7,6,5,4,3                                               credited that                        OR & WA only               No MVA
                                2.65%                                 MVA may                                contract year                      Approve Guarantee 5       (0-75) 2.50%
                           (CA,DE,MN,PA &                              apply                                                                                             (76-80) 1.50%
                          WA-Non MVA rates

                               7 Year
                                MVA
                               3.25%

                             Non-MVA
                               2.75%
                          (CA,DE,PA & WA
                           Non-MVA rates)
Premier Eagle    10% bonus on       2.25%        15 Years             0-80          1.50%      Full Contract   10% Contract    Nursing Home         AL, CT, FL,         ages (0-71)
     10         premiums added                    (0-75)                                           Value           Value           Rider              IN, MN,         yrs 1-5: 6.00%
   FPDA            in yrs 1-5                20,19.5,19,18.5,        $2K Q                                        annually     Terminal Illness   NY, OR, PA, TX,         age (72)
                                            18,17.5,17,16,15,       $5K NQ                                       starting in       Rider                WA            yrs 1-4: 6.00%
                 5% Bonus for                 14,12,10,7.5,5,                                                       yr 2                                               yr 5: 4.50%
                  ages 76-80                        2.5                                                                        Fixed Lifetime                             age (73)
                                                                                                                               Income Benefit                         yrs 1-3: 6.00%
                 Premium bonus                   10 Years                                                                          Rider                              yrs 4-5: 4.50%
                varies in AK, DE,                 (76-80)                                                                                                                 age (74)
                  SC, OK, & UT              15,14,13,12,11,9.5,                                                                                                       yrs 1-2: 6.00%
                                                8,6.5,5,2.5                                                                                                           yrs 3-5: 4.50%
                                                                                                                                                                          age (75)
                                                                                                                                                                        yr 1: 6.00%
                                                                                                                                                                      yrs 2-5: 4.50%
                                                                                                                                                                          age (76)
                                                                                                                                                                      yrs 1-5: 4.50%
                                                                                                                                                                          age (77)
                                                                                                                                                                      yrs 1-4: 4.50%
                                                                                                                                                                       yr 5: 3.00%
                                                                                                                                                                          age (78)
                                                                                                                                                                      yrs 1-3: 4.50%
                                                                                                                                                                      yrs 4-5: 3.00%
                                                                                                                                                                          age (79)
                                                                                                                                                                      yrs 1-2: 4.50%
                                                                                                                                                                      yrs 3-5: 3.00%
                                                                                                                                                                          age (80)
                                                                                                                                                                        yr 1: 4.50%
                                                                                                                                                                      yrs 2-5: 3.00%

                                                                                                                                                                    Premiums rec'd in
                                                                                                                                                                     each of the 1st 5
                                                                                                                                                                    contract years will
                                                                                                                                                                          receive
                                                                                                                                                                      Supplemental
                                                                                                                                                                     Commissions for
                                                                                                                                                                    Years 2-3, please
                                                                                                                                                                    call your Marketer
                                                                                                                                                                    for these amounts

                                                                                                                                                                    Commission vary for
                                                                                                                                                                        SC & UT


Premier Eagle    9% bonus on        2.00%       10 Years              0-78        1% (MGSV)    Full Contract   10% Contract    Nursing Home        AK, AL, CT,              (0-78)
     12         1st yr premiums             12.5,12,12,11,10,                      & 1% (CV)       Value           Value           Rider           DE, IN, MN,          Yr 1: 6.00%
                   ages 0-78                    9,8,7,6,4            $2K Q                                        annually     Terminal Illness       NY, NV,           Yr 2: 1.00%
                                                                    $5K NQ                                       starting in       Rider          OK, OR, PA, SC,       Yr 3: 1.00%
                                                                                                                    yr 2                           TX, UT, WA         Add'l $ added in
                                                                                                                               Fixed Lifetime                          yrs 2-5: 2.75%
                                                                  FL issue ages                                                Income Benefit
                                                                       0-64                                                        Rider
                                                                          American General Life
                                                  Deferred Annuity Operation B-F5 2727-A Allen Parkway Houston, TX 77019
                                                            AM Best A(Excellent) S&P A+ Fitch A- Moody's A1

      AG          6% Bonus    8.25% first year          9 years            0-85       1.5% on 90% surrender value        10%         Extended Care    MN, NJ, NY, OR,            (0-75) 6.00%
 Horizon Plus                  base: 2.25%         9,8,7,6,5,4,3,2,1                                or full acct.     after 1st yr       Rider         PA, UT, WA               (76-80) 3.20%
    SPDA                         years 2-6                                                            value if                                                                  (81-85) 1.35%
                                                                        $5K NQ&Q                    annuitized

 HorizonMYG       4% bonus    6.30% first year        10 Years          0-85 Q & NQ   1.5% on 90%      Full AV      10% beginning    Extended Care   AK, MN, NJ, NY, UT           (0-75) 7.5%
   Annuity         1st year   2.30% years 2-6      10,9,8,7,6,5,4,3,                                                    in yr. 1         Rider                                   (76-80) 5.0%
    SPDA                                                 2,1,0          $5k Q & NQ                                   Interest Only                                              (81-85) 3.00%

                                                 TX surrender charges                                                                                                           OR, PA, TX, WA
                                                         vary                                                                                                                  commissions vary

    Horizon       no bonus    5 Year: 2.35%           10 Years             0-85       2% on 90%        Full AV        10% after      Extended Care     AK, NY, TX, UT            (0-80) 4.00%
    Secure                    7 Year: 3.00%         10,9,8,7,6,5,4,                                                     yr. 1            Rider                                  (81-85) 3.00%
    (SPDA)                                               3,2,1            $5,000

                                                                                                                                                                            MN, NJ, PA commissions
                                                                                                                                                                                     vary

   Horizon        no bonus     5 Year: 2.55%          10 Years             0-85       1.5% on 90%      Full AV        10% after      Extended Care        AK, MN,                (0-80) 4.00%
    Select                     7 Year: 3.10%        10,9,8,7,6,5,4,                                                     yr. 1            Rider        NJ, NY, OR, PA,           (81-85) 3.00%
    SPDA                      10 Year: 3.30%             3,2,1            $5,000                                                                          UT, WA

                                                 TX surrender charges                                                                                TX not available for    TX commissions vary
                                                  vary for Select 5&7                                                                                   10 year only           for Select 5 & 7


HorizonAchiever                     3.05%              6 Years             0-85       1.5% on 90%     Annuity        Up to 10%       Extended Care    AK, MN, NJ, NY,            (0-80) 3.00%
     SPDA                       first 6 years         6,5,4,3,2,1                                      Value         of annuity          Rider        OR, PA, UT, WA            (81-85) 2.00%
                                                                           $5K                                          value
                                                  30 day walkaway                                                   as of previous    Income Plan                            TX commissions vary
                                                     after year 6                                                      contract         Options
                                                                                                                     anniversary

                                                      10 Years
                                                    10,9,8,7,6,5,4,
                                                         3,2,1

                                                   Initial rates are
                                                  declared for 6 year
                                                    term. If funds
                                                    remain a rate
                                                   will be clared for
                               another 4 contract
                                    years.

                                 No MVA after
                               10th contract year


                                                    American Investors Life
                                                    611 5th Ave. Des Moines, IA 50306
                                                     AM Best A S&P A+ Moody's A1

Spirit 3     $5K-$74,999            3 Years          0-85      1% on 87.5%        Full       10% on AV        Income Edge        NJ, NY,        Year 1
 FPDA      1 yr fixed: 1.50%         6,5,4                                   Accumulated       in year 1        Insure Pay         PA       (0-75) 0.25%
                                                      $5K                        Value       (up to 20%                                    (76-80) 0.25%
                 $75K+                                                       in lump sum     Free W/D in       Confinement                 (81-85) 0.00%
           1 yr fixed: 2.30%                                                      or       current contract    Nursing Home                     Yrs. 2
                                                                              Settlement    yr, if NO w/d     Terminal Illness              (0-75) 0.13%
                                                                                Options       was taken                                    (76-80) 0.13%
                                                                                             in the prior                                  (81-85) 0.00%
                                                                                             contract yr.)                                      Trails:
                                                                                                                                               Option 2
                                                                                                                                               Option 3

Spirit 5     $5K-$74,999           5 Years           0-83      1% on 87.5%        Full       10% on AV        Income Edge        NJ, NY,        Year 1
 FPDA      1 yr fixed: 1.75%       8,7,6,5,4                                 Accumulated       in year 1        Insure Pay         PA       (0-75) 2.00%
                                                      $5K                        Value       (up to 20%                                    (76-80) 1.05%
                  $75K+                                                      in lump sum     Free W/D in       Confinement                 (81-83) 0.95%
           1 yr fixed: 2.45%                                                      or       current contract    Nursing Home                    Yrs. 2-3
                                                                              Settlement    yr, if NO w/d     Terminal Illness              (0-75) 1.00%
                                                                                Options       was taken                                    (76-80) 0.53%
                                                                                             in the prior                                  (81-83) 0.48%
                                                                                             contract yr.)                                      Trails:
                                                                                                                                               Option 2
                                                                                                                                               Option 3




Spirit 7     $5K-$74,999           7 Years           0-81      1% on 87.5%        Full       10% on AV        Income Edge        NJ, NY,        Year 1
 FPDA      1 yr fixed: 1.70%     9,8,7,6,5,4,3                               Accumulated       in year 1        Insure Pay         PA       (0-75) 3.00%
                                                      $5K                        Value       (up to 20%                                    (76-80) 1.75%
                  $75K+                                                      in lump sum     Free W/D in       Confinement                   (81) 1.75%
           1 yr fixed: 2.45%                                                      or       current contract    Nursing Home                    Yrs. 2-3
                                                                              Settlement    yr, if NO w/d     Terminal Illness              (0-75) 1.50%
                                                                                Options       was taken                                    (76-80) 0.88%
                                                                                             in the prior                                    (81) 0.88%
                                                                                             contract yr.)                                      Trails:
                                                                                                                                               Option 2
                                                                                                                                               Option 3
Spirit Plus    2% premium           $5K-$74,999          10 Years              0-78       1% on 87.5%        Full       10% on AV        Income Edge          NJ, NY,           Year 1
  FPDA             bonus         1 yr fixed: 1.65%   16,15,14,13,12,11,                                 Accumulated       in year 1        Insure Pay           PA          (0-75) 6.50%
                in yrs 1 & 2       5yr Multi-Term         10,8,6,4             $5K                          Value       (up to 20%                                         (76-78) 4.50%
                               Guaranteed: Suspended                                                    in lump sum     Free W/D in       Confinement                          Yrs. 2-5
                                                                                FL                           or       current contract    Nursing Home                      (0-75) 3.25%
                                                                            ages (0-64)                  Settlement    yr, if NO w/d     Terminal Illness                  (76-78) 2.25%
                                        $75K+                                                              Options       was taken                                              Trails:
                                  1 yr fixed: 2.30%                                                                     in the prior                                           Option 2
                                   5yr Multi-Term                                                                       contract yr.)                                          Option 3
                               Guaranteed: Suspended
                                                         TX surrender:                                                                                                    CT, DE, MN, WA
                                                        12.1,11,9.8,8.6,                                                                                                  commissions vary
                                                       7.4,6.2,5,3.8,2.5,                                                                                                    Please call
                                                              1.2




Spirit Bonus   4% premium           $5K-$74,999         No Bonus               0-78       1% on 87.5%        Full       10% on AV        Income Edge        AK, CT, DE,       Option 1
   FPDA            bonus          1 yr fixed: 1.65%      10 Years                                       Accumulated       in year 1        Insure Pay           MN,         (0-75) 6.00%
                in yrs 1 & 2       5yr Multi-Term    12,12,12,11,10,9,         $5K                          Value       (up to 20%                          NJ, NY, OR,    (76-78) 4.00%
                               Guaranteed: Suspended      8,7,6,4                                       in lump sum     Free W/D in       Confinement       PA, UT, WA         Yrs 2-5
                                                                             IN issue                        or       current contract    Nursing Home                      (0-75) 3.00%
                                        $75K+        w/Premium Bonus        ages (0-74)                  Settlement    yr, if NO w/d     Terminal Illness                  (76-78) 2.00%
                                  1 yr fixed: 2.35%      10 Years                                          Options       was taken                                            Option 2
                                   5yr Multi-Term    10,10,10,10,8,7,6,         FL                                      in the prior                                        (0-75) 3.00%
                               Guaranteed: Suspended       5,4,2            ages (0-64)                                 contract yr.)                                      (76-78) 3.00%
                                                                                                                                                                             0.65% Trail
                                                                                                                                                                               Yrs 2-5
                                                                                                                                                                            (0-75) 1.50%
                                                         TX surrender                                                                                                      (76-78) 1.50%
                                                       10.2,8.9,7.6,6.2,                                                                                                      Option 3
                                                        5.2,4.5,3.8,3.1,                                                                                                    (0-75) 2.25%
                                                            2.4,1.2                                                                                                        (76-78) 2.25%
                                                                                                                                                                             0.75% Trail
                                                                                                                                                                               Yrs 2-5
                                                                                                                                                                            (0-75) 1.13%
                                                                                                                                                                           (76-78) 1.13%




                                                                                 American National
                                                                       9th Floor One Moody Plaza Galveston, TX 77550
                                                                                AM Best A (Excellent) S&P A+
Palladium   Century 1: 1%      3.00% 1st yr             Century 1          Century 1      Interest Rate     Greater of     Interest only                         AL, CT, FL,                 Century 1
 Century                       2.00% base                10 year             0-90          declared at     Annuity Value     avail. At                               IL,                     (0-74) 8%
 (SPDA)                                              10,9,8,7,6,5,4,3,       $4kQ         time of issue    or Surrender        issue                             MN, NJ, NY,              (75-90) 5.5%
                                                           2,1,0            $5K NQ          will be rate       Value                                               OR, PA,                 Trail Option:
            Century 3: 3%     5.00% 1st yr.             Century 3                           for lifetime                    10% after                              UT, WA                   (0-74) 6%
                              2.00% base                 10 year           Century 3       of contract.                      year 1                                                       (75-90) 3.5%
                                                    11,10,9,8,7,6,5,4,       0-85         This rate will                                                                                     Century 3
                                                           3,2,0            $4K Q          not exceed                                                                                        (0-74) 7%
            Century 5: 5%     7.00% 1st yr.             Century 5           $5K NQ         3% and will                                                                                    (75-85) 4.5%
                              2.00% base                 10 Year                           not be less                                                                                     Trail Option:
                                                   12,12,11,10,9,8,6,4,    Century 5         than 1%                                                                                        (0-74) 5%
                                                           3,2,0             0-80                                                                                                         (75-85) 2.5%
            Century 7: 7%     9.00% 1st yr.             Century 7           $4K Q                                                                                                            Century 5
                              2.00% base                 10 Year            $5k NQ                                                                                                           (0-74) 6%
                                                   12,12,11,11,10,9,8,                                                                                                                     (75-80 3.5%
                              State variations            6,4,2,0          Century 7                                                                                                       Trail Option:
                              will be 10 basis                                0-80                                                                                                          (0-74) 4%
                               points lower                                  $4k Q                                                                                                          (75-80) 2%
                            than what is listed:                            $5K NQ                                                                                                           Century 7
                              FL, IN, NC, TX,                                                                                                                                                (0-74) 5%
                              VT, VA, WA, WI                                                                                                                                             (75-80) 3.00%
                                                                                                                                                                                           Trail Option:
                                                                                                                                                                                            (0-74) 3%
                                                                                                                                                                                            (75-80) 1%
                                                                                                                                                                                       All trails are .40%
 Century      No Bonus        2.00% 1st yr.               7 Year              0-90        Interest Rate     Greater of     Interest only    Confinement           AL, CT,                    (0-74) 6%
 Annuity                      2.00% base              9,8,7,6,5,4,2,0                      declared at     Annuity Value     avail. At        Waiver,                IL,                  (75-90) 3.5%
 (FPDA)                                                                      $5k NQ       time of issue    or Surrender        issue         Disability          MN, NJ, NY,
                              State variations                               $100 Q         will be rate       Value                          Waiver,              OR, PA,                 Trail Option:
                              will be 10 basis                                              for lifetime                    10% after                              UT, WA                (0-74) 4% with
                               points lower                                                of contract.                      year 1                                                         .40% trail
                            than what is listed:                                          This rate will                                                                               (75-90) 1.5% with
                              FL, IN, NC, TX,                                              not exceed                                                                                       .40% trail
                              VT, VA, WA, WI                                               3% and will
                                                                                           not be less
                                                                                             than 1%
Palladium   no additional   For quotes, please         Full surrender:        0-90               n/a       available on       partial                        Available in all states     5-9 yrs: 1.5%
Immediate     interest          call FIG or         allowed after 3 yrs.                                     Period        after 3 years
 Annuity                     888-501-4043,          Surrender amt. will     $15K NQ                          Certain        up to 10%                                                  All other payouts:
                                 option 1           be commuted value       $3,500 Q                         options          Min. of                                                       (0-84) 3%
                                                        reduced by                                                            $2,000                                                     (85-90) 1.5%
                                                   commutation charges
Palladium    5 year: 1%          5 year                   10 years             0-85          varies         Greater of     Interest only    contritutions              UT                     Yr 5
  MYG                        1st yr: 3.20%           8,8,8,7,6,5,4,3,2,1   (annuitant &     by state        Surrender        in year 1      over $100K                                     (0-79) 4%
 Annuity     6 year: 0%      Base: 2.20%                                      owner)                        value or                           receive                                    (80-85) 2%
  SPDA                      Effective: 2.40%                                   $5K                           annuity       After year 2,     additional                                   Yrs. 6, 7, 8
             7 year: 1%          6 year                                                                       value        10% per yr.     10 basis points                                (0-79) 2.5%
                              1st yr, base,                                                                                                   for life of                                (80-85) 0.5%
             8 year: 0%     Effective: 2.90%                                                                                                   contract                                       Yr 9
                                 7 year                                                                                                                                                    (0-79) 3%
             9 year: 2%     1st year: 3.65%                                                                                                                                               (80-85) 1%
                             Base: 2.65%                                                                                                                                                     Yr 10
             10 year: 1%   Effective: 2.79%                                                                                                                         (0-79) 4%
                                 8 year                                                                                                                             (8-85) 2%
                           1st yr, base, and
                           effective: 3.30%
                                 9 year
                            1st yr: 4.80%
                             Base: 2.80%
                           Effective: 3.02%
                                10 year
                           1st year: 3.95%
                             Base: 2.95%
                           Effective: 3.05%




 Palladium       1%             3.25%             7 years          0-90        varies by   Greater of      10%         Trail comps.        NJ, NY, UT                (0-79) 3%
  Advisor                    1st year rate     7,7,7,6,5,4,2                     state     Surrender     beginning                                                  (80-90) 1%
SPDA w/ NQ                                                      $5k Q & NQ                 value or       year 1                                                       Trailer
 FPDA w/ Q                      2.25%                                                       annuity                                                              years 2-7 = .40%
                             Base Rate                                                       value                                                                years 8- = .80%
  Citadel    WQCD 5: 1%       WQCD 5              W&C 5            0-85         varies      Full AV         10%         10% free      Approved in all states          WQCD 5
  5 and 7                   1st yr: 3.15%         5 years                      by state                 beginning of   withdrawals                                   (0-80) 4%
 Diamond     WQCD 7: 2%     base: 2.15%          7,7,7,6,5     Cit Diamond 5                            each policy      avail. In                                  (81-85) 3%
  Series                                          W&C 7              $5K                                    year          year 1                                      WQCD 7
 5- SPDA                      WQCD 7              7 years                                                starting in                                            (0-80) yr 1-3: 4.5%
 7- FPDA                    1st yr: 4.15%      7,7,7,6,5,4,2   Cit Diamond 7                                yr.1                                               (81-85) yr 1-3: 3.5%
                            base: 2.15%                            $5K NQ
                                                                    $2K Q
                                                        Americo Financial Life & Annuity Insurance Company
                                                                  New Business 300 W. 11th Street Kansas City, MO 64105
                                                                                   AM Best A- S&P A-

Platinum Secure    5% Premium      3.50% 1st yr Rate         11 Years          0-85         1.00%         Equals AV        monthly          Checkbook access    AL, MS, NV, NJ,        (0-75) 6.00%
     (FPDA)          Bonus                               16,15,14,13,12,11,                                (less any       interest                               NY, OR, VT          (76-85) 3.50%
                                                             10,8,6,4,2       NQ $5K        State         applicable       after 30          Loan Provision
                                                                              Q $2K       Variations    premium taxes)       days
                                                           TX surrender                     Apply                        10% after 1st                                            CT, MN, OK, PA, TX, UT,
                                                           charges vary                                                       yr                                                   WA commissions vary




Platinum Assure                          1.50%               5 Years           0-90     1-3% on 87.5%    Full Account      Up to 10%         Nursing Home       AK, AL, DE, MN,        (0-75) 5.00%
       5                                                     9,8,7,6,5                                      Value          of Account                            MS, NV, NY,          (76-85) 3.75%
                                                                               $5K Q                                       Value each          Walk-away            OR, PA,           (86-90) 2.00%
                                                              +/- MVA         $10K NQ                                      yr including                             VT, WA
                                                                                                                                yr 1




*A.M. Best’s rating is assigned after an extensive

**Standard & Poor’s rating for Americo Financial Life and Annuity Insurance Company, November 2002. Standard & Poor's uses a scale of AAA (superior financial security) to CCC
(extremely vulnerable financial security). Standard & Poor's Insurer Financial Strength Rating is a current opinion of the fi nancial security characteristics of an insurance organization with
respect to its ability to pay under it’s insurance policies and contracts in accordance with their terms. Standard & Poor's® is a trademark of The McGraw-Hill Companies, Inc., and is
licensed for use by Americo Life, Inc.



                                                                         AmerUs Life & Insurance Company
                                                                              611 5th Ave. Des Moines, IA 50306
                                                                               AM Best A S&P A+ Moody's A1

   MultiChoice                        $5K-$74,999             3 Years          0-85      1% on 87.5%          Full         10% on AV          Lifetime Pay           CA,                   Year 1
   Freedom 3                        1 yr fixed: 1.50%          6,5,4                                     Accumulated         in year 1         Insure Pay           NY, PA,            (0-75) 0.25%
     FPDA                                                                       $5K                          Value         (up to 20%                                                 (76-80) 0.25%
                                           $75K+                                                         in lump sum       Free W/D in        Confinement                             (81-85) 0.00%
                                    1 yr fixed: 2.30%                                                         or         current contract     Nursing Home                                 Yrs. 2
                                                                                                          Settlement      yr, if NO w/d      Terminal Illness                          (0-75) 0.00%
                                                                                                            Options         was taken                                                 (76-80) 0.00%
                                                                                                                           in the prior                                               (81-85) 0.00%
                                                                                                                 contract yr.)                                       Trails:
                                                                                                                                                                    Option 2
                                                                                                                                                                    Option 3




MultiChoice                     $5K-$74,999            5 Years            0-83      1% on 87.5%        Full       10% on AV         Lifetime Pay       CA,            Year 1
Freedom 5                     1 yr fixed: 1.75%        8,7,6,5,4                                  Accumulated       in year 1        Insure Pay       NY, PA,     (0-75) 2.00%
  FPDA                                                                    $5K                         Value       (up to 20%                                     (76-80) 1.05%
                                     $75K+                                                        in lump sum     Free W/D in       Confinement                  (81-83) 0.95%
                              1 yr fixed: 2.45%                                                        or       current contract    Nursing Home                     Yrs. 2-3
                                                                                                   Settlement    yr, if NO w/d     Terminal Illness               (0-75) 1.00%
                                                                                                     Options       was taken                                     (76-80) 0.53%
                                                                                                                  in the prior                                   (81-83) 0.48%
                                                                                                                  contract yr.)                                       Trails:
                                                                                                                                                                     Option 2
                                                                                                                                                                     Option 3




MultiChoice                     $5K-$74,999            7 Years            0-81      1% on 87.5%        Full       10% on AV         Lifetime Pay       CA,            Year 1
Freedom 7                     1 yr fixed: 1.70%      9,8,7,6,5,4,3                                Accumulated       in year 1        Insure Pay       NY,PA,      (0-75) 3.00%
  FPDA                                                                    $5K                         Value       (up to 20%                                     (76-80) 1.75%
                                     $75K+                                                        in lump sum     Free W/D in       Confinement                    (81) 1.75%
                              1 yr fixed: 2.45%                                                        or       current contract    Nursing Home                     Yrs. 2-3
                                                                                                   Settlement    yr, if NO w/d     Terminal Illness               (0-75) 1.50%
                                                                                                     Options       was taken                                     (76-80) 0.88%
                                                                                                                  in the prior                                     (81) 0.88%
                                                                                                                  contract yr.)                                       Trails:
                                                                                                                                                                     Option 2
                                                                                                                                                                     Option 3




 MultiChoice   2% premium       $5K-$74,999          10 Years             0-78      1% on 87.5%        Full       10% on AV         Lifetime Pay       CA,            Year 1
Freedom Plus     bonus        1 yr fixed: 1.65%  16,15,14,13,12,11,                               Accumulated       in year 1        Insure Pay        NY,        (0-75) 6.50%
    FPDA         yrs 1-2       5-yr Multi-term        10,8,6,4            $5K                         Value       (up to 20%                           PA        (76-78) 4.50%
                            Guarantee: Suspended                                                  in lump sum     Free W/D in       Confinement                      Yrs. 2-5
                                                                                                       or       current contract    Nursing Home                  (0-75) 3.25%
                                    $75K+                                FL issue                  Settlement    yr, if NO w/d     Terminal Illness              (76-78) 2.25%
                              1 yr fixed: 2.30%                         ages 0-64                    Options       was taken                                          Trails:
                               5-yr Multi-term                                                                    in the prior                                       Option 2
                            Guarantee: Suspended                                                                  contract yr.)                                      Option 3

                                                     TX surrender:
                                                    12.1,11,9.8,8.6,                                                                                            CT, DE, MN, OR,
                                                   7.4,6.2,5,3.8,2.5,                                                                                               PA, WA
                                                          1.2                                                                                                   commissions vary
                                                                                                                                                                   Please call
MultiChoice    4% premium             $5K-$74,999          No Bonus                0-78         1% on 87.5%        Full         10% on AV         Lifetime Pay      AK, CA, CT, DE,         Option 1
FreedomXtra      bonus              1 yr fixed: 1.65%      10 Years                                           Accumulated         in year 1        Insure Pay            MN,              (0-75) 6.00%
   FPDA          yrs 1-2             5-yr Multi-term   12,12,12,11,10,9,           $5K                            Value         (up to 20%                              NY, OR,          (76-78) 4.00%
                                  Guarantee: Suspended      8,7,6,4                                           in lump sum       Free W/D in       Confinement        PA, UT, WA              Yrs 2-5
                                                                                 IN issue                          or         current contract    Nursing Home                            (0-75) 3.00%
                                          $75K+        w/Premium Bonus          ages 0-74                      Settlement      yr, if NO w/d     Terminal Illness                        (76-78) 2.00%
                                    1 yr fixed: 2.35%      10 Years                                              Options         was taken                                                  Option 2
                                     5-yr Multi-term    10,10,10,10,8,7,         FL issue                                       in the prior                                              (0-75) 3.00%
                                  Guarantee: Suspended      6,5,4,2             ages 0-64                                       contract yr.)                                            (76-78) 3.00%
                                                                                                                                                                                           0.65% Trail
                                                           TX surrender                                                                                                                      Yrs 2-5
                                                         10.2,8.9,7.6,6.2,                                                                                                                (0-75) 1.50%
                                                          5.2,4.5,3.8,3.1,                                                                                                               (76-78) 1.50%
                                                              2.4,1.2                                                                                                                       Option 3
                                                                                                                                                                                          (0-75) 2.25%
                                                                                                                                                                                         (76-78) 2.25%
                                                                                                                                                                                           0.75% Trail
                                                                                                                                                                                             Yrs 2-5
                                                                                                                                                                                          (0-75) 1.13%
                                                                                                                                                                                         (76-78) 1.13%




                                                                                       Annuity Investors
                                                                                PO Box 5423 Cincinnati, OH 45201
                                                                                      AM Best A S&P A+

Greatflex 5      no bonus              2.15% Base            5 Years             18-85 Q          1.00%          Account       10% account                              NY, VT         Varies for Q and NQ
                                                             5,4,3,2,1           0-85 NQ                        Valule less     value after                                           as well as Flexible and
                                                                                                                   any              yr 1                                                Single premiums.
                                                                                   $3K                         outstanding
                                                                                                              loan balances                                                              Please call your
                                                                                                                                                                                           Marketer for
                                                                                                                                                                                          Commissions
                                                                                                                                                                                        and a Commission
                                                                                                                                                                                            Schedule

 Greatflex 6     1.50% first         4.00% 1st yr rate       6 Years             18-85 Q          1.00%          Account       10% account                              NY, VT         Varies for Q and NQ
(403b & 457b   yr interest rate      (includes 2.25%        9,8,7,6,5,4          0-85 NQ                        Valule less     value after                                           as well as Flexible and
  contracts)        bonus              interest rate                                                               any              yr 1                                                Single premiums.
                                          bonus)                                $3K single-                    outstanding
                                                               AL & MD         sum transfers                  loan balances                                                              Please call your
                                    2.50% Base Rate      first contract year                                                                                                               Marketer for
                                                         surrender charge       $50/month                                                                                                 Commissions
                                                                is 8%          for flexible &                                                                                           and a Commission
                                                                                  periodic                                                                                                  Schedule
                                                                                 Purchase
                                                                                   Payments

    Greatflex 6    2% interest rate     4.45% 1st yr rate       6 Years             18-85 Q        1%      Account      10% account     Extended Care          NY, VT          Varies for Q and NQ
 (IRA contracts)       bonus            (includes 2.00%        9,8,7,6,5,4          0-85 NQ               Valule less    value after    Terminal Illness                      as well as Flexible and
                                          interest rate                                                      any             yr 1                                               Single premiums.
                                             bonus)                                $3K single-           outstanding
                                                                                  sum transfers         loan balances                                                            Please call your
                                        2.45% Base Rate        IA, MD, & MN                                                                                                        Marketer for
                                                            first contract year    $50/month                                                                                      Commissions
                                                            surrender charge      for flexible &                                                                                and a Commission
                                                                   is 8%             periodic                                                                                       Schedule
                                                                                    Purchase
                                                                                   Payments




    Greatflex 6    1.5% interest rate   3.90% 1st yr rate       6 Years             18-85 Q        1%      Account      10% account     Extended Care          NY, VT          Varies for Q and NQ
  (NQ contracts)        bonus           (includes 1.50%        9,8,7,6,5,4          0-85 NQ               Valule less    value after    Terminal Illness                      as well as Flexible and
                                          interest rate                                                      any             yr 1                                               Single premiums.
                                             bonus)                                $3K single-           outstanding
                                                                                  sum transfers         loan balances                                                            Please call your
                                        2.40% Base Rate        IA, MD, & MN                                                                                                        Marketer for
                                                            first contract year    $50/month                                                                                      Commissions
                                                            surrender charge      for flexible &                                                                                and a Commission
                                                                   is 8%             periodic                                                                                       Schedule
                                                                                    Purchase
                                                                                   Payments




Use of this contract for this purpose is not allowed in all states, and states have the authority to change regulations at an y time. Clients should consult an elder care advisor prior to
purchase.

                                                                          Equitrust Life Insurance Company®
                                                                Atten: Box 14500 5400 University Ave. West Des Moines, IA 50266
                                                                                      AM Best B+ S&P A-
CERTAINTY ™         n/a               Year 1                3 year                0-90         2% on 87.5%      Surrender            10% free       Nursing Home        Only Available in:      (0-80) 3.00%
   SPDA                             3-yr: N/A                N/A                                                  value              after yr 1     Waiver (0-75)             IN,              (81-90) 2.25%
                                   5-yr: 2.00%              5 year               $10K                              or                                                         MN
                                   6-yr: 2.10%          9,8,7,6.5,5.5                                            0X5 AV
                                   8-yr: 6.00%              6 year
                                  10-yr: 7.00%        9,8,7,6.5,5.5,4.5
                                     Year 2+                8 year
                                    3-yr: N/A         9,8,7,6.5,5.5,4.5,
                                   5-yr: 2.00%             3.5,2.5
                                   6-yr: 2.10%             10 year
                                   8-yr: 3.00%        9,8,7,6.5,5.5,4.5,
                                  10-yr: 3.00%         3.5,2.5,1.5,0.5




 CERTAINTY          n/a               Year 1               3 year                 0-90         2% on 87.5%        Full AV           10% free        Nursing Home              IN,               (0-80) 3.00%
  SELECT                            3-yr: N/A                N/A                                                                   after year 1     Waiver (0-75)         MN, NY, OR,          (81-90) 2.25%
   SPDA                            5-yr: 2.00%             5 year                $10K                                                                                      UT, WA
                                   6-yr: 2.10%           10,10,9,9,8                                                               Interest only
                                   8-yr: 6.00%             6 year
                                  10-yr: 7.00%          10,10,9,9,8,8
                                     Year 2+               8 year
                                    3-yr: N/A         10,10,9,9,8,8,7,7
                                   5-yr: 2.00%
                                   6-yr: 2.10%            10 year
                                   8-yr: 3.00%        10,10,9,9,8,8,7,7,
                                  10-yr: 3.00%               6,5

                                                       MVA may apply




 Confidence                     For quotes, please                           0-90 Fixed only                     Remaining              n/a           Fixed Period             NY            5-20 Yr Fixed & Life
  Income                            call FIG or                               0-85 (Life &                      payments in                         payment options                                 3.00%
   SPIA                           800-527-1155                                LIfe w/Fixed)                   fixed period pd                        5 yrs to 20 yrs.
                                                                                                             to the beneficiary
                                                                                                                                                    Now Life Income
                                                                                 $30K                        No living bene.                        payments avail.
                                                                                                             payments go to                         and Life w/Fixed
                                                                                                              owner's estate                            options

Choice Four     MVA Option           6 Years          Liquidity Option            0-85         2% on 100%          Full           Interest earned    Nursing Home         AK, CT, IN,           (0-80) 5.50%
  SPDA        1.5% prem bonus    Liquidity Option:        6 Years                                             Accumulation          in previous         Waiver          MD, MA, MN, NY,        (81-85) 4.125%
                                      2.50%              9,8,8,7,6,5             $10K                            Value               12 months                          OK, OR, TX, UT,
                                                                                                               upon death          systematically                           VT, WA
                                 Liquidity & MVA:        MVA Option             +/- MVA                         of owner             withdrawn
                                      2.50%           MVA applies when                                                              by EFT only
                                                      surrender charges
                                   9 Years           apply (6yr surrender)
                                  MVA Option:
                                    3.25%              Base Contract
                                                                9 Years
                                      Base Contract:        12,11,10,9,8,7,6,
                                         3.25%                     4,2




                                                                       Forethought Life Insurance Company
                                                                                Forethought Center Batesville, IN 47006-9170
                                                                                 AM Best A- (Excellent) S&P A- (Strong)

Secure Income   0.25% income           Low Band                10 Years               0-85      Between 1%-    Full Contract   10% beginning Guaranteed Lifetime      CA, MA,         (0-75) 7.00%
     125           bonus on           $25K-$99,999         12,12,11,10,9,8,7,                   3% on 87.5%        Value         yr Contract   income Benefit      MN, MT, NV, NY,   (76-85) 5.00%
    SPDA        initial premium       Fixed: 1.75%               6,4,2                $25K                                       Value after                        OR, VA, WA
                    received                                                                                                    1st contract    Nursing Home
                                       High Band                                                                                     yr.      Terminal Illness
                                     $100K-$249,999
                                      Fixed: 1.75%                                                                                              Increased Death
                                                                                                                                               Benefit Guarantee
                                        Ultra Band
                                          $250K+
                                       Fixed: 1.75%

                                   Annual Death Benefit
                                      Rider Charge
                                          0.75%


Secure Bonus         Fixed             Low Band                10 Years               0-85     1-3% on 87.5%   Full Contract    10% of the    Guarantee Lifetime        AK,           (0-75) 7.50%
    115                               $25K-$99,999         12,12,11,10,9,8,7,                                   Value w/o      beginning of    Income Benefit       NY, OR, WA       (76-85) 5.00%
   SPDA                               Fixed: 1.75%               6,4,2                $25K                     WD charges        the year     Plus Rider (GLIB)
                                                                                                                                 Contract
                 15% income             High Band                                                                                 Value       Optional Increased
                bonus w/GLIB          $100K-$249,999         MVA assessed                                                        after 1st     DB Guarantee
                based on initial       Fixed: 1.75%            only when                                                         contract
                  premium                                  withdrawal charges                                                      year.         Nursing Home
                                       Ultra Band             are assessed                                                                      Terminal Illness
                                          $250K+
                                       Fixed: 1.75%

                                          Annual
                                        Guaranteed
                                      Lifetime Income
                                   Benefit Rider Charge:
                                           0.75%

                                         Annual
                                      Death Benefit
                                      Rider Charge:
                                          0.75%
                                                                         Genworth
                                                          700 Main St, PO Box 1280, Lynchburg, VA 24505
                                                              AM Best A S&P A Fitch A- Moody's A2

 SecureLiving   n/a       <$50K            6 Years                0-85      Between      Full Contract   10% contract    Nursing Home   MS, NY   (0-75) 4.25%
Independence            4.15% yr 1        9,9,8,7,6,5                      1% and 3%         Value        value as of       Waiver               (76-80) 2.10%
    SPDA              3.15% yrs 1&2                              $15K                    minus WDs        date the 1st                           (81-85) 1.15%
                                                                             Varies by   or Surrender        WD is
                      $50K-$99,999    Surrender charges in                     state       Charges         processed
                        4.65% yr 1     IN, MN, & OR differ                                               in a contract
                      3.15% yrs 1&2                                                                            yr.

                         $100K+
                        5.15% yr 1
                      3.15% yrs 1&2

SecureLiving    n/a       1-Year            7 Years               0-85      Between      Full Contract   Penalty free    Nursing Home   MS, NY    (0-75) 4.70%
 SmartRate                <$50K           7,7,7,6,5,4,3                    1% and 3%         Value        partial WD        Waiver               (76-80) 2.85%
   SPDA                2.500% yr 1                               $15K                    minus WDs        up to 10%                              (81-85) 1.15%
                      $50K-$99,999                                           Varies by   or Surrender     of annuity
                        3.25% yr 1                                             state       Charges       value once
                         $100K+                                                                             a year,
                        4.00% yr 1                                                                         after 1st
                                                                                                         contract yr.
                         3-Year
                          <$50K
                       2.00% yr 1
                      $50K-$99,999
                       2.40% yr 1
                         $100K+
                       2.80% yr 1

                         5-Year
                          <$50K
                       1.85% yr 1
                      $50K-$99,999
                       2.20% yr 1
                         $100K+
                       2.40% yr 1


SecureLiving          1-Year Period         6 Years               0-85      Between                         10% of       Nursing Home   MS, NY    (0-75) 3.25%
  Liberty                 <$99K           9,9,8,7,6,5,0                    1% and 3%                       Contract         Waiver               (76-80) 2.10%
   SPDA                 3.65% yr 1                               $15K                                     Value as of                            (81-85) 1.15%
                      2.15% bailout    Surrender charges                     Varies by                   the date the
                       2.40% yield      in IN & OR differ                      state                       1st WD is
               $100K-$249,999                                               processed
                 4.65% yr 1                                               in a contract
                2.15% bailout                                               year. The
                 2.56% yield                                              free WD amt
                   $250K+                                                can be spread
                 5.40% yr 1                                                out over a
                2.15% bailout                                                 max of
                 2.68% yield                                               12 WD per
                                                                             contract
                3-Year Period                                                  year
                    <$99K
                2.65% yrs 1-3
                2.05% bailout
                 2.35% yield
               $100K-$249,999
                3.25% yrs 1-3
                2.04% bailout
                 2.65% yield
                   $250K+
                3.45% yrs 1-3
                2.05% bailout
                 2.75% yield

                5-Year Period
                    <$99K
                2.45% yrs 1-3
                1.95% bailout
                 2.37% yield
               $100K-$249,999
                2.85% yrs 1-5
                1.95% bailout
                 2.70% yield
                   $250K+
                3.00% yrs 1-5
                1.95% bailout
                 2.82% yield

SecureLiving    $25K-$99,999     5 Years        0-85   Full Contract    Interest credited    Medical Care      CA, DE,       5 Years
 Rate Saver      5 Yr: 2.30%     9,8,7,6,5             Value without      may be taken       Facility Waiver   NY, OR     (0-75) 2.10%
   SPDA          7 Yr: 3.10%                    $25K     surrender      systematically in                                (76-80) 1.45%
                                                        charges &        equal amounts                                   (81-85) 0.75%
               $100K-$249,999     7 Years                  MVA           of at least $100
                 5 Yr: 2.50%    9,8,7,6,5,4,3                          monthly, quarterly,                                   7 Years
                 7 Yr: 3.30%                                             semi-annual or                                   (0-75) 2.90%
                                  +/- MVA                                 annual basis                                   (76-80) 2.30%
                  $250K+                                                                                                 (81-85) 1.65%
                5 Yr: 2.60%                                             No Withdrawals
                7 Yr: 3.40%                                               available if
                                                                        Contract Value
                                                                         is less than
                                                                             $10K
Rates are effective 1-1-06
                                                                                             Great American
                                                                                   PO Box 5423 Cincinnati, OH 45201
                                                                                    AM Best A S&P A+ Moody's A2

    American            1% 1st              2.55%                 10 years          0-85 NQ         1.00%         Full          10% after      LTC Waiver              NY           (18-75)Q (0-80) NQ
    Freedom®           yr bonus            base rate            9,9,8,7,6,5,4       18-85 Q                     Account          year 1.      Terminal Illness                              5.00%
      10-ST                                                         3,2,1                                        Value           Monthly          Waiver                           (76-85)Q (81-85)NQ
      SPDA                                                                            $10K                                      interest in                                                 2.35%
                                                                                 Add'l purchase                                  year 1.                                           Call your marketer for
                                                                                   payments                                                                                              trail options
                                                                                 accepted in 1st
                                                                                 contract year;
                                                                                    min $1K



   American           1% Bonus         5 Year - Non-MVA          5 Years            0-89 NQ         1.00%     Full Account      10% after      LTC Waiver            NY, OR               5 year
    Freedom                                 <$100K               7,6,5,4,3          18-89 Q                      Value             yr 1,                                            (18-84)Q (0-84)NQ
Stars and Stripes                         % base rate                                                                           interest in   Terminal Illness                            3.00%
     (SPDA)                                each year                                  $10k                                          yr 1          Waiver                              (85-89)Q & NQ
                      Increases                                                                                                                                                           1.80%
                     interest rate
                      each year             >$100K                                                                                                                                  Call your marketer
                                          % base rate                                                                                                                                for trail options
                                           each year

                                                              Suspended to new sales effective 8/21/2010

   American          0.25% Bonus            5 Year               5 Years            0-89 NQ         1.00%     Full Account      10% after      LTC Waiver        IN, NJ, NY, OR,          5 year
    Freedom                             Escalating Rate          7,6,5,4,3          18-89 Q                      Value             yr 1,                             PA, VA         (18-84)Q (0-84)NQ
Stars and Stripes                           <$100K                                                                              interest in   Terminal Illness                            3.00%
 Escalating Rate                        2.45% base rate                               $10k                                          yr 1          Waiver                              (85-89)Q & NQ
     (SPDA)           Increases       2.70% first year rate                                                                                                                               1.80%
                     interest rate    2.70% Effective Yield
                      each year                                                                                                                                                     Call your marketer
                                                                                                                                                                                     for trail options
                                            >$100K
                                        2.55% base rate
                                      2.80% first year rate
                                      2.80% Effective Yield




Secure American     Bonus of 1% of        2.65% Base              7 Years           0-89 NQ         1.00%     Lump Sum          10% Free        LTC Rider        AK, MA, NH, NJ,         Option 1
                       the amt.                                 9,8,7,6,5,4,3       18-89 Q                  equal to CV or         WD        Terminal Illness   NY, ND, PA, UT,    (0-70) NQ 6.50%
                     annuitized for                                                                         AV if beneficiary   Allowance                              WA            (18-70) Q 6.50%
                    each completed                                                   $10K                       selects         beginning                                             (71-80) 5.25%
                    contract year                                                                      Settlement      1st contract                                                  (81-89) 5.00%
                     up to 10%                                                                           Option            year.                                                        Option 2
                                                                                                                                                                                  (0-70) NQ 5.50%
                                                                                                                                                                                   (18-70) Q 5.50%
                                                                                                                                                                                     (71-80) 4.25%
                                                                                                                                                                                     (81-89) 4.00%
                                                                                                                                                                                        Option 3
                                                                                                                                                                                  (0-70) NQ 4.50%
                                                                                                                                                                                   (18-70) Q 4.50%
                                                                                                                                                                                     (71-80) 3.25%
                                                                                                                                                                                     (81-89) 2.25%



1This contract can be used for annuitants who expect to enter a nursing home or apply for Medicaid in the future. Use of this contract for this purpose is not allowed in all states, and states
                                                               Guaranty Income Life Insurance Company
                                                                             PO Box 2231 Baton Rouge, LA 70827
                                                                                         AM Best B
                                                                                                                                                                                     AD040341
  Annuicare 10       no bonus       3.10% first year       10 Years             0-79       1.00%         Full AV     100% of accum.      LTC Benefit        AK, CT, DC, DE, HI,         Year 1
                                    3.10% base rate     9,8,7,6,5,5,4,3,                                               int. or 10% of                      ID, KS, ME, MD, MA,     (0-74): 7.50%
                                                              2,1            $36,500 NQ                               yr. end accum.                       MN, NH, NJ, NY, PA,     (75-79): 5.50%
                                                                               $50kQ                                     value after                          RI, SD, VT, VA,         Years 2-5
                                                       Surrender charges                                                   first yr.                            WA, WV, WI          (0-79) 0.80%
                                                           vary for IA

  AnnuiCare 7        no bonus       3.05% first year       7 Years              0-85       1.00%         Full AV     100% of accum.      LTC Benefit        AK, CT, DC, DE, HI,         Year 1
                                    3.05% base rate      8,7,6,5,5,4,3                                                 int. or 10% of                      ID, KS, ME, MD, MA,      (0-74): 4.50%
                                                                             $36,500 NQ                               yr. end accum.                       MN, NH, NJ, NY, PA,     (75-85): 2.50%
                                                                               $50kQ                                     value after                          RI, SD, VT, VA,         Years 2-5
                                                                                                                           first yr.                            WA, WV, WI          (0-85) 0.80%




  AnnuiCare 5                       3.00% first year       5 Years              0-85       1.00%         Full AV     100% of accum.      LTC Benefit        AK, CT, DC, DE, HI,         Year 1
                                    3.00% base rate        8,7,6,5,4                                                   int. or 10% of                      ID, KS, ME, MD, MA,      (0-80): 2.00%
                                                                             $36,500 NQ                               yr. end accum.                       MN, NH, NJ, NY, PA,     (81-85): 1.00%
                                                                               $50kQ                                     value after                          RI, SD, VT, VA,
                                                                                                                           first yr.                            WA, WV, WI

   FlexPlus 10       no bonus       3.10% first year        10 Years            0-79       1.00%           Full         100% of         Terminal Illness   AK, CT, DC, DE, HI,          Year 1
                                    3.10% base rate    9,8,7,6,5,5,4,3,2,1                            Accumulation   accum. Interest     Nursing Home       ID, ME, MD, MA,        (0-74): 7.25%
                                                                             $5,000 NQ                    Value       or 10% of yr.                        MN, NH, NJ, NY, PA,     (75-79): 4.75%
                                                                              $2,000 Q                 at owner's      end accum.                            RI, SD, VT, VA,          Years 2-5
                                                       Surrender charges                                  death       value after yr.                             WV, WI            (0-79) 0.80%
                                                           vary for IA                                                1 - $100 min.


   FlexPlus 7        no bonus       3.05% first year       7 Years              0-79       1.00%           Full         100% of         Terminal Illness   AK, CT, DC, DE, HI,          Year 1
                                    3.05% base rate      8,7,6,5,5,4,3                                Accumulation   accum. Interest     Nursing Home       ID, ME, MD, MA,         (0-74): 4.50%
                                                                             $5,000 NQ                    Value       or 10% of yr.                        MN, NH, NJ, NY, PA,     (75-79): 2.50%
                                                                              $2,000 Q                 at owner's     end accum.                             RI, SD, VT, VA,          Years 2-5
                                                                                                    death       value after yr.                              WV, WI            (0-79) 0.80%
                                                                                                                     1.


 FlexPlus 5                  3.00% first year         5 Years           0-79         1.00%            Full         100% of          Terminal Illness   AK, CT, DC, DE, HI,          Year 1
                             3.00% base rate          8,7,6,5,4                                  Accumulation   accum. Interest      Nursing Home       ID, ME, MD, MA,         (0-74): 2.00%
                                                                      $5,000 NQ                      Value       or 10% of yr.                         MN, NH, NJ, NY, PA,     (75-79): 1.00%
                                                                       $2,000 Q                   at owner's      end accum.                             RI, SD, VT, VA,          Years 2-5
                                                                                                     death       value after yr.                              WV, WI            (0-79) 0.80%
                                                                                                                       1


 Guaranty 4                   2.80% yrs 1-4           4 Years           0-100        1.00%                         100% of                              AK, CT, DE, DC,            Year 1
  Annuity                                             8,7,6,5                                                   accum. Interest                        HI, ID, ME, MD, MA,     (0-79): 1.60%
   SPDA                                                               $5,000 NQ                                  or 10% of yr.                          MN, NH, NJ, NY,       (80-100): 0.80%
                                                    MVA Applies        $2,000 Q                                   end accum.                             PA, RI, SD, VT,
                                                                                                                 value after yr.                        VA, WV, WI, WY
                                                                       OK 0-85                                         1




                                  IAP (Industrial Alliance Pacific Insurance and Financial Services Inc)
                                                         Attn: New Business PO Box 19114 Greenville, SC 29602-9114
                                                                            AM Best A (Excellent)

Select Plus 5   5% premium   1.75% base rate         10 Years         20-80 Q        1.75%       Policy Value     After 1st yr,    Retirement Waiver   CT, FL, IL, MA, MN,      (0-65) 7.50%
   SPDA           bonus                           10,9,8,7,6,5,4,3,   0-80 NQ                     less any          10% of                              NC, NJ, NV, NY,        (65-74) 5.50%
                                                         2,1                                     outstanding     accumulated                                 OR, SC            (75-80) 4.00%
                                                                       $10K Q                    TEFRA loan      policy value
                                                                      $25K NQ                     balance.         available                                                 CA, NJ, PA, UT, WA
                                                  CA, NJ, PA, UT &                                                                                                              (0-58) 7.50%
                                                   WA Surrender                                                                                                                (59-74) 5.50%
                                                   8,7,6,5,4,3,2,1                                                                                                             (75-80) 4.00%
                                                  issues ages 59+




                                                                                  ING USA
                                                                   909 Locust St Des Moines, IA 50309
                                                AM Best A (Excellent) S&P A (Strong) Moody's A2 (Good) Fitch A- (Strong)

 Guarantee                    $15K-$74,999           10 Years           0-80      1.5% on 100%       Full          Int. after       Nursing Home               NY                 7 Years
Choice   3.60% yr 1   3.60% yrs 2-10   9,8,7,6,5,4,3,2,1           30 days            Waiver             Option A: 2.5%
SPDA                                       7 Years         $15K   or 10% AV                            Option A - No Trail
         2.55% yr 1   2.55% yrs 2-7      9,8,7,6,5,4,3              per yr.      Terminal Illness       Option B: 1.50%
                                           5 Years                after 1st yr       Waiver             Option C: 1.50%
                                           9,8,7,6,5                                                    Option D: 1.50%
                                           3 Years                                     1 x 10         with a .25% trail (B-C)
                                             9,8,7                                 Annuitize after
                                                                                      1st year               10 Years
                                                                                 for only 10 years*     Option A: 3.25%
                          $75K+                                                                         Option A- No Trail
         4.60% yr 1   3.60% yrs 2-10                                                                    Option B: 2.00%
                                                                                                        Option C: 2.00%
         3.55% yr 1   2.55% yrs 2-7                                              IncomeProtector        Option D: 2.00%
                                                                                    WD Benefit        with a .25% trail (B-C)
                                                                                 (varies by state)
                                                                              Integrity Life
                                                                  515 West Market St. Louisville, KY 40202
                                                                      AM Best A+ S&P AA+ Fitch AA

Momentum      no bonus          4-year           4 year            4 and 5 year    1.50%       Full AV w/       10% of av      Disability Waiver    AK, ME, NH, NY, SC,            4 year
Advantage                     2.45% yr 1         8,8,7,7                0-86                    Optional         available     not avail. In all        UT, VT, WA             (0-79) 2% yr 1
  SPDA                      1.70% yrs 2-4                              7 year                  Enhanced        immediately          states                                   (80-86) .50% yr 1
                                5-year           5 year                 0-85      differs in     Death       (noncumulative)                                                       5 year
                              2.95% yr 1        8,8,7,7,6             10 year     AZ & MD       Benefit                                                                      (0-79) 2.50% yr 1
                            2.20% yrs 2-5                               0-83                                                                                                 (80-86) .50% yr 1
                                7-year           7 year                                                                                                                            7 year
                              3.90% yr 1      8,8,7,7,6,6,5        $20K NQ&Q                                                                                                   (0-79) 3% yr 1
                            3.15% yrs 2-7                                                                                                                                     (80-85) 1% yr 1
                               10-year           10 year                                                                                                                          10 year
                              4.25% yr 1    8,8,7,7,6,6,5,5,4,4                                                                                                              (0-79) 3.50% yr 1
                           3.50% yrs 2-10                                                                                                                                   (80-83) 1.50% yr 1
                                              TX Surrender
                                              charges vary


   New       0.75% bonus        2-year           7 year                0-85        1.50%        Full AV        10% of av        no policy fees          OR, NY, WA         2-3-5-4-7-10 GRO's
Momentum                      2.25% yr 1     8,7,6,5,4,3,2,0                                                                                                                    (0-79) 5%
  FPDA                        1.50% yr 2                              $2K Q                                                    Disability Waiver                               (80-85) 3%
                                3-year                               $5K NQ       differs in                                    not avail. In all                          QIO Enhanced Rate
                              2.25% yr 1                                             OR                                              states                                     (0-79) 3%
                            1.50% yrs 2-3                                                                                                                                      (80-85) 1%
                                5-year
                            2.65% year 1
                            1.90% yrs 2-5
                                6-year
                            2.95% year 1
                            2.20% yrs 2-6
                                7-year
                              3.45% yr 1
                            2.70% yrs 2-7
                               10-year
                              3.75% yr 1
                           3.00% yrs 2-10




  SPDA        no bonus         1-year            7 years               0-85        1.50%        Full AV        10% of AV        No Policy Fees      LA, ME, NH, NY, VT     1 & 3 yr Guarantee
 Series II                     3.30%         7,7,7,6,5,4,3,0                                                                                                                   (0-79) 5.00%
                               3-year                                  $3K                                                        No waivers                                  (80-85) 3.00%
                             3.20% yr 1
                           2.20% yrs 2-3                                                                                                                                  5 yr Guarantee Period
                               5-year                                                                                                                                           (0-79) 4.00%
                             2.60% yr 1                                                                                                                                        (80-85) 2.00%
                           2.60% yrs 2-5
                                                                          Lafayette Life Insurance Company
                                                                           1905 Teal Rd. PO Box 7007 Lafayette, IN 47903
                                                                                  AM Best A+ Fitch AA S&P AA+

  Horizon 08                         3 Year (3/5)           3/5 Years              0-85                  Policy Value     Up to 10%                              AK, IL, NY            Ages 0-75
     SPDA                             3.00% yr 1            8,7,7,6,4,2                                                 of policy value                                                3/5: 3.00%
  3/5; 5/5; 5/7                     2.00% yrs 2-3                                $5K NQ                                 each policy yr                                                 5/5: 3.00%
                                                             5/5 Years            $2K Q                                    after yr 1                                                  5/7: 4.00%
                                     5 Year (5/5)            8,7,6,4,2
                                        2.00%                                                                                                                                           Ages 76+
                                                                                                                                                                                       3/5: 2.00%
                                     7 Year (5/7)           5/7 Years                                                                                                                  5/5: 2.00%
                                   2.00% for 5 yrs         8,7,6,5,4,3,2                                                                                                               5/7: 3.00%




                                                                                Legacy Marketing Group
                                                              Marketing Servies: 2090 Marina Ave. Petaluma, CA 94954-6714
                                                         Administrative Services (new business): 777 Research Dr. Lincoln, NE 68501

  BenchMark            2%        Guaranteed One-Yr.       10 year              Extra, Extra 2   1.00%     surrender        10% of          "checkbook"        AK, AL, CT, MN,             (0-75)
  RelianceSM           4%           Extrra: 2.25%          Extra                   0-90                    value or        annuity            access         NC, NY, OR, TX, UT       Extra: 7.00%
   Annuity             6%          Extra 2: 4.20%   12,11,10,9,8,7,6,4,2          Extra 4                  return of        cash                                    WA               Extra 2: 6.30%
                       8%          Extra 4: 6.15%         Extra 2                  0-85                   premium           value          Confinement                               Extra 4: 5.60%
                                   Extra 6: 8.10%     12,12,11,10,9,8,            Extra 6                    less          or MRD         Waiver Provision                           Extra 6: 4.90%
 Underwritten by       Extra                              7,6,4,2                  0-85                  withdrawals
American National   First-Year                            Extra 4                                                                                                                         (76-90)
Insurance Company    Interest    Guaranteed one-yr. 12,12,11,11,10,9,             $10K                                                                                                 Extra: 5.50%
  Galveston, TX     Available      current market         8,6,4,2               (Add'l prem                                                                                           Extra 2: 4.80%
     LM___                          Extra: 2.35%          Extra 6               min of $2K)                                                                                       Extra 4 (76-85): 4.10%
                                   Extra 2: 4.30%    12,12,11,11,10,10                                                                                                            Extra 6 (76-85): 3.40%
                                   Extra 4: 6.25%         8,6,4,2
                                   Extra 6: 8.20%                              FL issue ages
                                                                                    0-64

                                 Index 10-Yr. Treasury
                                   Extra: 1.90%
                                   Extra 2: 3.85%
                                   Extra 4: 5.80%
                                   Extra 6: 7.75%
              Index Corporate
                    Bond
                Exrtra: 2.93%
               Extra 2: 4.88%
               Extra 4: 6.83%
               Extra 6: 8.78%




 RateMark       1-Year Term      10 Yr Declining         0-85         Between        Without           With            Checkbook           AL, AK, CT,         1 & 3 Yr Terms
  FPDA             3.20%            +/- MVA                        1% and 3% on Death Benefit        Enhanced           Access             KY, ME, MN,          (0-80) 2.25%
                3-Year Term                              $3K Q         87.50%         Rider:         WD Rider:                                   NH,           (81-85) 1.13%
                   2.00%           Ages 0-75            $5K NQ       (varies by     Surrender      Can withdraw        Enhanced            NJ, NY, OR,            5 Yr Term
                5-Year Term     12,12,12,11,10,9,                   state & issue      value        10% of their       WD Rider             RI, TX, UT,         (0-80) 3.00%
                   2.20%             8,6,3,1                            date)                      annuity each                           VT, VA, WA, WI       (81-85) 1.50%
                7-Year Term                                                        With Death         yr. after      Death Benefit                             7,10 Yr Terms
                   2.50%          Ages 76-80         FL issue ages                Benefit Rider:        yr 1            Rider                                     (0-80) 4%
               10-Year Term      11.5,10.5,9.5,           0-64                      Greater of                                                                   (81-85) 2%
                   2.60%         8.5,7.5,6,5,3,1                                  annuity value                        "Surrender
                                                                                   or surrender                        Charge-Free
                                   Ages 81+                                            value                       Window" provision
                                 11,10,9,8,7,6,                                                                    states no surrender
                                    5,4,3,1                                                                          charge, +/- MVA
                                                                                                                    within 30 days of
                                                                                                                      end of 3, 5, &
                                                                                                                        7 Yr Term.


EnhanceMark     1-Year Term     10-Year declining        0-85         Between        Without           With         Enhanced Care        AK, AL, CA, CT, HI,     (0-80) 8%
   FPDA            1.55%            +/- MVA                        1% and 3% on Death Benefit        Enhanced        Benefit Rider        FL, KS, KY, ME,       (81-85) 4%
                                                        $50K           87.50%         Rider:         WD Rider:                             MA, MN, MO,
               10-Year Term        Ages (0-75)                       (varies by     Surrender      Can withdraw       Checkbook           NH, NJ, NY, ND,
                  1.50%         12,12,12,11,10,9,                   state & issue      value        10% of their        access            OR, RI, SD, TN,
                                     8,6,3,1                            date)                      annuity value                          TX, UT, VT, VA,
                                                                                   With Death         after 30       Death Benefit             WA, WI
                                  Ages (76-80)                                    Benefit Rider:    days (after         Rider
                                11.5,10.5,9.5,8.5,                                  Greater of         issue)
                                  7.5,6,5,4,3,1                                   annuity value                      Enhanced WD
                                                                                   or surrender                         Rider
                                 Ages (81-85)                                          value
                                11,10,9,8,7,6,5,
                                     4,3,1




                                                                Lincoln Benefit
                                                      2940 S. 84th St Lincoln, NE 68504
                                                      AM Best A+ S&P AA- Moody's A1
       The                                                        10 year               0-90          1.05%            Equal to       systematic         Confinement               NY
   Tactician ®                                                8,8,8,7,6,5,4,3,         Q & NQ                          Contract         interest           Waiver
   Plus (FPDA)                                                      2,1                                                 Value          available
      Series
    10 Yr Rate                                                                       $10,000 NQ      OR: 2.00%                         10% free                                                   (0-75) 4.00%
                                           2.70%                                      $3,000 Q      in yrs 1-10,                      withdrawals                                                (76-85) 3.00%
                                                                                                     after 10 yrs                      available                                                 (86-90) 2.00%
    9 Yr Rate                                                                                     3.00% thereafter                     in year 1                                                  (0-75) 2.00%
                                           2.60%                                                                                       annually                                                  (76-85) 1.50%
                                                                                                                                                                                                 (86-90) 1.00%
    8 Yr Rate                                                                                       WA: 3.00%                                                                                     (0-75) 4.00%
                                           2.40%                                                    TX: 1.30%                                                                                    (76-80) 3.00%
                                                                                                                                                                                                 (86-90) 2.00%
    7 Yr Rate                                                                                                                                                                                     (0-75) 4.00%
                                           2.20%                                                                                                                                                 (76-85) 3.00%
                                                                                                                                                                                                 (86-90) 2.00%
    6 Yr Rate                                                                                                                                                                                     (0-75) 2.00%
                                           1.90%                                                                                                                                                 (76-85) 1.50%
                                                                                                                                                                                                 (86-90) 1.00%

    5 Yr Rate                                                                                                                                                                                  (0-75) 4.00%
                                           1.50%                                                                                                                                              (76-85) 3.00%
                                                                                                                                                                                              (86-90) 2.00%
Rates are subject The information in this message and all files for deposits ofis confidential for depositsonly$100,000 or Interest Deposits of a 1%and companyyear rate.subjectTacticianatyear is a Rates
Confidentiality Notice: 8-30-04 and are These rates are weekly. with it $100,000 and available of to FIG less than $100,000 have le ss lower first ratings are 1% to change any rate.
Rates are effectiveto change weekly.subject to change transmitted These rates are or more. Deposits of agents. more. rates, product details than $100,000 have a The lower first Plus time. flexible
premium deferred annuity with a Market Value Adjustment. This means that upon surrender, value may be positively or negative ly affected by interest rate conditions at that time. In MA,


                                                                                      Lincoln Financial Group
                                                                                  2001 Market St. 4th Floor Philadelphia, PA 19103
                                                                                 AM Best A+ S&P AA- Moody's A2 Fitch A+

    Lincoln           Bonuses        3.00% first year rate       5 Years                0-85          2.00%                            10% AV           Nursing Home             MN, NY           (0-75) 2.00%
    Classic 5        <$100k 1%       4.00% first year rate       9,8,7,6,5                                                           per contract      Terminal Illness                          (76-80) 1.40%
     SPDA            >$100k 2%         2.00% thereafter                                 $10K                                          year after                                                 (81-85) 0.75%
                                                                                                                                         yr 1

    Lincoln           Bonuses        4.00% first year rate       7 Years                0-85          2.00%                            10% AV           Nursing Home             MN, NY           (0-75) 2.50%
    Classic 7        <$100k 2%       5.00% first year rate     9,8,7,6,5,4,3                                                         per contract      Terminal Illness                          (76-80) 1.75%
     SPDA            >$100k 3%         2.00% thereafter                                 $10K                                          year after                                                 (81-85) 0.90%
                                                                                                                                         yr 1

     Lincoln          Bonuses        3.00% first year rate       5 Years                0-85         Between         Full Contract     10% AV           Nursing Home        Only Available In:    (0-75) 2.00%
   Classic 5 NY      <$100k 1%       4.00% first year rate       7,6,5,4,3                            1%-3%              Value       per contract      Terminal Illness           NY             (76-80) 1.40%
                     >$100k 2%         2.00% thereafter                                 $10K                                          year after                                                 (81-85) 0.75%
                                                                                                                                         yr 1

     Lincoln          Bonuses        4.00% first year rate       7 Years                0-85         Between         Full Contract     10% AV           Nursing Home        Only Available In:    (0-75) 2.50%
   Classic 7 NY      <$100k 2%       5.00% first year rate     7,6,5,4,3,2,1                          1%-3%              Value       per contract      Terminal Illness           NY             (76-80) 1.75%
                     >$100k 3%         2.00% thereafter                                 $10K                                          year after                                                 (81-85) 0.90%
                                                                                                                                         yr 1

  MYGuarantee                             <$100K                  10 Years              0-85         Between         Full Contract      10% AV           Can annuitize          IL, MN,               5 Year
     Plus                              5 Year: 2.60%         7,7,6,5,4,3,2,0,0,0                      1%-3%              Value       each contract     after 5th contract       MO, NV            (0-75) 2.00%
                                       6 Year: 2.75%               9 Years              $10K                                         yr after 1st yr           yr.                               (76-80) 1.30%
                                       7 Year: 3.00%          7,7,6,5,4,3,2,0,0                                                                                                                  (81-85) 0.75%
                             8 Year: 3.05%             8 Years                                                                                                            6 Year
                             9 Year: 3.10%          7,7,6,5,4,3,2,0                                                                                                   (0-75) 2.25%
                             10 Year: 3.15%            7 Years                                                                                                       (76-80) 1.50%
                                                     7,7,6,5,4,3,2                                                                                                   (81-85) 0.75%
                                 $100K+                6 Years                                                                                                         7-10 Years
                              5 Year: 2.75%           7,7,6,5,4,3                                                                                                     (0-75) 2.50%
                              6 Year: 2.90%            5 Years                                                                                                       (76-80) 1.60%
                              7 Year: 3.15%            7,7,6,5,4                                                                                                     (81-85) 1.00%
                              8 Year: 3.20%
                              9 Year: 3.25%
                             10 Year: 3.30%


                                                       +/- MVA




                                                          Life Insurance Company of the Southwest
                                                                        1300 W. Mockingbird Ln. Dallas, TX 75247
                                                                             AM Best A S&P A Moody's A2

RetireMax    5% bonus           7.15% 1st yr          10 years                0-80       varies by   Full AV        10% AV         Nursing       NJ, NY, OR           (0-70) 6.00%
Millennium                     2.15% 2nd yr      10,9,8,7,6,5,4,3,2,                       state       on          after 1st yr     Home                             (71-75) 4.50%
    Plus                   Yr 3 on declared annl         1,0                                          Ann                           Rider                            (76-80) 3.50%
  SPDA
                                                  Surrender charges           $5k
                                                   vary for AK, AL,
                                                  MN, TX, UT & WA

RetireMax    1% interest        2.85% yr. 1            8 years                0-75        1.00%      Full AV       10% of Acc.    Terminal         AK, MD,          Please call your
 FPDA 1        Bonus          1.85% yrs. 2-8       10,9,8,7,6,4,2,0                                                value after     Illness     NJ, NY, OR, WY    Marketer for commission
                                                                            $100/mo.                                  yr. 1         Rider
                                                                           salary red.
                                                  Surrender charges        or $3,000                                               Quarterly
                                                   differ for AL, TX,      single sum                                             statements
                                                       UT, & WA              transfer




RetireMax    1% interest       3.40% yr. 1             10 years               0-75        1.00%      Full AV       10% of Acc.    Terminal      AL, AK, MD,         Please call your
 FPDA 2        Bonus         2.40% yrs. 2-10        10,9,8,7,6,5,4,                                                value after     Illness     NJ, NY, OR, PA,   Marketer for commission
                                                        3,2,1,0             $50/mo.                                   yr. 1         Rider        UT, WA, WY
                                                                           salary red.
                                                    TX surrender           or $3,000                                               Quarterly
                                                    charges differ         single sum                                             statements
                                                                             transfer
RetireMax    No Bonus           2.50%              12 years              0-75       1.00%   Full AV   10% of Acc.    Terminal       AL, AK, CT, MD,          Please call your
 FPDA 3                                        12,11,10,9,8,7,6,                                      value after     Illness       NJ, NY, OR, PA,       Marketer for commission
                                                  5,4,3,2,1,0          $50/mo.                           yr. 1         Rider          UT, WA, WY
                                                                      salary red.
                                                                      or $3,000                                      Quarterly
                                                                      single sum                                    Statements
                                                                        transfer

                                                                       FL 0-64
                                                                       TX 0-55




RetireMax   3% bonus on         2.40%              12 years              0-75       1.00%   Full AV   10% of Acc.    Terminal      AL, AK, CT, DE, GA,       Please call your
FPDA 3+      premiums                          12,11,10,9,8,7,6,                                      value after     Illness       ID, IL, IN, IA, KS,   Marketer for commission
              received                            5,4,3,2,1,0          $50/mo.                           yr. 1         Rider        ME, MD, MA, MO,
             years 1-12                                               salary red.                                                   MT, NE, NH, NJ,
                                                                      or $3,000                                      Quarterly      NM, NY, ND, OR,
                                                                      single sum                                    Statements     PA, RI, SC, SD, UT,
                                                                        transfer                                                     VT, WA, WI, WY

                                                                       FL 0-64
                                                                       TX 0-54




RetireMax    1% interest     3.60% yr. 1            15 years             0-70       1.00%   Full AV   10% of Acc.    Terminal      AL, AK, CT, GA, MD,       Please call your
 FPDA 4        Bonus       2.60% yrs. 2-15    12.5, 12.5, 12.5, 12,                                   value after     Illness        NJ, NY, OR, PA,      Marketer for commission
                                               11,10,9,8,7,6,5,4,      $50/mo.                           yr. 1         Rider           UT, WA, WY
                                                     3,2,1,0          salary red.
                                                                      or $3,000                                      Quarterly
                                                                      single sum                                    Statements
                                                                        transfer

                                                                       FL 0-64
                                                                       TX 0-54




RetireOne   1% interest      2.85% yr. 1            7 years              0-85       1.20%   Full AV   10% of Acc.   Nursing Care       AK, MD, NJ,                 (0-70)
  FPDA        Bonus          1.85% Base         10,9,8,7,6,4,2,0                                      value after     Benefit           NY, WY                  yr 1: 6.00%
                           base rate resets                           $100/mo.                           yr. 1                                                yrs 2-3: 4.00%
                            every 12 months                             salary red.                                    Quarterly                            yrs 4-5: 2.50%
                                                Surrender charges     or $5,000 NQ                                    Statements                           yrs 6-10: 0.90%
                                               vary for AL, TX, UT,    or $3,000 Q                                                                               (71-75)
                                                       & WA            sum transfer                                                                           yr 1: 5.00%
                                                                                                                                                            yrs 2-3: 3.50%
                                                                                                                                                            yrs 4-5: 2.25%
                                                                                                                                                           yrs 6-10: 0.90%
                                                                                                                                                                 (76-80)
                                                                                                                                                              yr 1: 3.75%
                                                                                                                                                            yrs 2-3: 2.50%
                                                                                                                                                            yrs 4-5: 1.35%
                                                                                                                                                           yrs 6-10: 0.90%
                                                                                                                                                                 (81-85)
                                                                                                                                                              yr 1: 3.50%
                                                                                                                                                            yrs 2-3: 1.80%
                                                                                                                                                           yrs 4-10: 0.90%

RetireTwo     1% interest     3.40% yr. 1            10 years             0-85        1.20%   Full AV   10% of Acc.   Nursing Care    AL, AK, MD, NJ,             (0-70)
  FPDA          Bonus         2.40% Base          10,9,8,7,6,5,4,                                       value after     Benefit       NY, OR, PA, UT,         yr 1: 8.00%
                            base rate resets          3,2,1,0            $50/mo.                           yr. 1                          WA, WY            yrs 2-4: 6.00%
                            every 12 months                             salary red.                                    Quarterly                            yrs 5-6: 4.00%
                                                  TX Surrender        or $5,000 NQ                                    Statements                            yrs 7-8: 2.50%
                                                  charges differ       or $3,000 Q                                                                         yrs 9-10: 0.90%
                                                                       sum transfer                                                                              (71-75)
                                                                                                                                                              yr 1: 8.00%
                                                                                                                                                            yrs 2-5: 4.00%
                                                                                                                                                            yrs 6-8: 2.50%
                                                                                                                                                           yrs 9-10: 0.90%
                                                                                                                                                                 (76-80)
                                                                                                                                                              yr 1: 4.00%
                                                                                                                                                            yrs 2-8: 2.50%
                                                                                                                                                           yrs 9-10: 0.90%
                                                                                                                                                                 (81-85)
                                                                                                                                                              yr 1: 4.00%
                                                                                                                                                            yrs 2-6: 2.50%
                                                                                                                                                           yrs 7-10: 0.90%




RetireThree   No Bonus          2.50%               12 years              0-75        1.20%   Full AV   10% of Acc.   Nursing Care    AL, AK, CT, MD,             (0-70)
  FPDA                                          12,11,10,9,8,7,6,                                       value after     Benefit      NJ, NY, OR, PA, UT,     yr 1: 10.00%
                                                   5,4,3,2,1,0           $100/mo.                          yr. 1                          WA, WY            yrs 2-4: 7.00%
                                                                        salary red.                                    Quarterly                            yrs 5-6: 5.00%
                                                                      or $5,000 NQ                                    Statements                            yrs 7-8: 3.50%
                                                                       or $3,000 Q                                                                         yrs 9-10: 1.80%
                                                                       sum transfer                                                                              (71-75)
                                                                                                                                                              yr 1: 9.00%
                                                                        FL 0-64                                                                             yrs 2-5: 5.00%
                                                                        TX 0-55                                                                             yrs 6-8: 3.50%
                                                                                                                                                           yrs 9-10: 1.80%
RetireFour   1% interest     3.60% yr. 1            15 years              0-75        1.20%    Full AV       10% of Acc.   Nursing Care      AL, AK, CT, GA, MD,        (0-60)
  FPDA         Bonus         2.60% Base       12.5, 12.5, 12.5, 12,                                          value after     Benefit         NJ, NY, OR, PA, UT,    yr 1: 11.00%
                           base rate resets    11,10,9,8,7,6,5,4         $100/mo.                               yr. 1                              WA, WY          yrs 2-4: 9.00%
                           every 12 months           3,2,1,0            salary red.                                          Quarterly                              yr 5-7: 7.00%
                                                                      or $5,000 NQ                                          Statements                             yrs 8-9: 5.00%
                                                                       or $3,000 Q                                                                                  yr 10: 3.50%
                                                                       sum transfer
                                                                                                                                                                        (61-65)
                                                                        FL 0-64                                                                                     yr 1: 11.00%
                                                                        TX 0-54                                                                                    yrs 2-4: 8.00%
                                                                                                                                                                    yr 5-7: 6.00%
                                                                                                                                                                   yrs 8-9: 4.00%
                                                                                                                                                                    yr 10: 2.50%

                                                                                                                                                                        (66-70)
                                                                                                                                                                    yr 1: 11.00%
                                                                                                                                                                   yrs 2-4: 7.00%
                                                                                                                                                                    yr 5-7: 5.00%
                                                                                                                                                                   yrs 8-9: 3.50%
                                                                                                                                                                    yr 10: 1.80%

                                                                                                                                                                        (71-75)
                                                                                                                                                                     yr 1: 9.00%
                                                                                                                                                                   yrs 2-4: 6.00%
                                                                                                                                                                    yr 5-7: 4.00%
                                                                                                                                                                   yrs 8-9: 2.50%
                                                                                                                                                                    yr 10: 0.90%

SureRate 2   No Bonus      $100k+: 1.15%           2 Years                0-90         1%      Full AV       10% of Acc.   5-year maturity         NY, OR          (0-90) 0.90%
  SPDA                      $25k+: 1.00%           2,1,0,0,0                                                 value after
                                                                          $25K                                  yr. 1




                                                                              National Integrity
                                                                 15 Matthews St. Ste. 200 Goshen, NY 10924
                                                                       AM Best A+ S&P AA+ Fitch AA
Momentum       no bonus             7-year             7-year              7-year       1.50%       Full AV       10% of av      no policy        only available              Year 7
Advantage                       3.80% year 1        7,6,5,4,3,2,1           0-85                                  beginning        fees               in NY                (0-79) 3.00%
  SPDA                        3.05% years 2-7                              10 year                               immediately                                              (80-85) 1.00%
                                   10-year            10-year               0-83                                                                                             Year 10
                                4.15% year 1       7,6,5,4,3,2,1,0                                                                                                         (0-79) 3.50%
                             3.40% years 2-10                               $20K
                                                   TX Surrender
                                                   charges vary

                                                MVA applies in years
                                                   8, 9, and 10


                                                                                                                                                                          (80-83) 1.50%
  New          no bonus            2 year              7 years              0-85        1.50%       Full AV       10% of AV    no policy fees     only available             (0-79) 5%
Momentum                         2.25% yr 1        7,6,5,4,3,2,1,0                                                 available                      in NY, VT, NH             (80-85) 3%
  FPDA                           1.50% yr 2                                 $2K Q                                immediately     Disability            ME
                                   3-year                                  $5K NQ                                                 Waiver
                                 2.25% yr 1
                               1.50% yrs 2-3
                                   5-year
                                 2.65% yr 1
                               1.90% yrs 2-5
                                   6-year
                               2.95% year 1
                               2.20% yrs 2-6
                                   7-year
                                 3.45% yr 1
                               2.70% yrs 2-7
                                  10-year
                                 3.75% yr 1
                              3.00% yrs 2-10
  SPDA         no bonus            1-year              7 years              0-85        1.50%       Full AV      10% of AV       no policy        only available       1 & 3 yr Guarantee
 Series II                         3.30%           7,7,7,6,5,4,3,0                                                                 fees               in NY                (0-79) 5.00%
                                   3-year                                   $3K                                                                                           (80-85) 3.00%
                                 3.20% yr 1
                               2.20% yrs 2-3                                                                                                                          5 yr Guarantee Period
                                   5-year                                                                                                                                   (0-79) 4.00%
                                 2.60% yr 1                                                                                                                                (80-85) 2.00%
                               2.60% yrs 2-5




                                                                               National Western
                                                                     850 East Anderson Lane Austin, TX 78752-1602
                                                                         AM Best A (Excellent) S&P A (Strong)

 Benefit     Premium Bonus     1.55% Base            14 Years               0-85         1-3%     Accumulation      10% once   Medical Stay     AL, AK, CT, DE, FL,            NQ
Assurance       5% 1st yr                         16,16,15.75,15,                                    Value          annually     Waiver           IL, IN, MA, MN,          (0-75) 9%
  FPDA        4% yrs 2-5                   14,13.25,12.50,       $5K NQ                              after 1st                          MS, NJ, NY, OR,        (76-80) 7%
                                           11.50,10.75,10,        $2K Q                             Policy Year       Accidental         PA, UT, WA          (81-85) 6.50%
                                               8,6,4,2                                                                  Death                                 2.00% yrs 2-5
                                                                                                                                                                    Q
                                                                                                                                                                (0-70) 9%
                                                                                                                                                             (71-75) 6.50%
                                                                                                                                                             (76-80) 4.50%
                                                                                                                                                             (81-85) 1.50%
                                                                                                                                                              2.00% yrs 2-5

                                                                                                                                                             *Please call for
                                                                                                                                                             state variations

  Future    Premium Bonus    1.55% Base        15 Years            0-80      1-3%   Accumulation    10% once                            AL, AK, CT, MS,            NQ
Assurance      10% 1st yr                 19.25,18.50,17.75,                           Value         annually                               NY, OR             (0-75) 6%
  FPDA       4.75% yrs 2-5                 16.75,16,15.25,       $5K NQ                              after 1st                                                (76-80) 4%
                                           14.5,13.5,12.75,       $2K Q                             Policy Year                                              1.00% yrs 2-5
                                             12,10,8,6,4,2
                                                                                                                                                                   Q
                                                                                                                                                               (0-70) 6%
                                          Surrender charges                                                                                                   (71-75) 2%
                                          differ: DE, IL, IN,                                                                                                 (76-80) 1%
                                          MA, MN, NJ, PA,                                                                                                    1.00% yrs 2-5
                                               UT, & WA
                                                                                                                                                             *Please call for
                                                                                                                                                             state variations

  Value     Premium Bonus    1.65% Base        9 Years             0-80      1-3%   Accumulation     10% Acct                          AL, DE, IL, IN, MA,          NQ
Assurance      2% 1st yr                   9.25,8.25,7.25,                             Value        Value once                          MN, NJ, NY, OR,         (0-75) 6%
  FPDA        2% yrs 2-5                    6.25,5,4,3,2,1       $5K NQ                               annually                             PA, UT, WA          (76-80) 4%
                                                                  $2K Q                              Including                                                1.00% yrs 2-5
                                                                                                     1st Policy                                                      Q
                                                                                                        year                                                    (0-70) 6%
                                                                                                                                                             (71-75) 2.50%
                                                                                                                                                             (76-80) 1.50%
                                                                                                                                                              1.00% yrs 2-5

                                                                                                                                                             *Please call for
                                                                                                                                                             state variations

Protector                    2.00% Base       10 Years           Annuitant   1-3%       Full            10%         Terminal Illness   AL, AK, CA,CT, KY,           NQ
  One                                      10,10,9,9,7,5,5,      0-90 NQ            Accumulation   Accumulation                        MN, NY, OR, UT, WA      (0-75) 10%
 FPDA                                           5,5,5             0-75 Q               Value        Value once                                                 (76-90) 6%
                                                                                                     annually                                                    Years 2-6
                                               +/- MVA            Owner                            including 1st                                                (0-75) 3%
                                                                0-85 NQ/Q                           Certificate/                                               (76-90) 3%
                                                                                                    Policy yr.                                                      Q
                                                                                                                                                               (0-75) 10%
                                                                $5K NQ & Q                         Cumulative to                                                 Years 2-6
                                                                                                   a max of 50%                                                 (0-75) 3%
                                                                                                   Interest After
                                                                                                   1st policy yr                                             *Please call for
                                                                                                                                                                              state variations


  Prevail     7% additional     2.00% base           10 years         Annuitant      1-3%           Full             10%       Medical Stay Waiver AL, AK, CA, CT, FL,              NQ
  Seven       1st yr interest                    10,10,9,9,8,7,6,5,   0-90 NQ                   Accumulation    Accumulation                        KY, MN, NY, OR,            (0-75) 5.75%
  SPDA                                                  5,5            0-75 Q                      Value       Value annually,                          UT, WA                (76-85) 1.50%
                                                                                                                including yr 1                                                (86-90) 1.20%
                                                                        Owner
                                                     +/- MVA          0-85 NQ/Q                                                                                                     Q
                                                                                                                                                                              (0-75) 5.75%
                                                                        $5K




Accumulator   5% additional     2.00% base           10 Years         Annuitant      1-3%           Full             10%           Accidental      AL, AK, CA, CT, FL,              NQ
   Five       1st yr interest                     10,10,9,9,7,5,5,    0-90 NQ                   Accumulation    Accumulation      Death Benefit     KY, MN, NY, OR,            (0-75) 7.00%
   FPDA                                                5,5,5           0-75 Q                      Value       Value annually,                           UT, WA               (76-90) 3.20%
                                                                                                                including yr 1                                                   Years 2-6
                                                                        Owner                                                                                                  (0-75) 3.00%
                                                     +/- MVA          0-85 NQ/Q                                  Cumulative                                                   (76-90) 3.00%
                                                                                                                 annually to
                                                                        $5K                                         30%                                                              Q
                                                                                                                                                                               (0-75) 7.00%
                                                                                                                                                                                 Years 2-6
                                                                                                                                                                               (0-75) 3.00%




                                                                               North American
                                                                4350 Westown Pkwy West Des Moines, IA 50266
                                                                   AM Best A+(Superior) S&P A+(Strong)
                                                                                                                                                                           NDF-FIG-B2103
The Boomer     5% Bonus         2.40% First yr       10 Years           0-80      3% of 87.5%     Full AV       Penalty free     Nursing Home        AK, AL, CT, DE,        (0-75) 7% yr 1
  Annuity                           Rate         15,14,13,12,11,10                 of premium                    Withdrawal          Rider               MN, MS,             3.00% yrs 2-5
   FPDA                                               8,6,4,2         $10K NQ                                   of up to 5%                          NY, OR, PA, TX,         2.00% yrs 6-7
                                                                       $2K Q                                   of your current                           UT, WA             1.00% yrs 8-10
                                                                                                                AV after 1st                                                1.50% yrs 11+
                                                                                                                 contract yr.


                                                                                                                                                                         Issue Ages 76 and above:
                                                                                                                                                                             Commissions are
                                                                                                                                                                             reduced by 25%
  NA Guarantee                              3 Years                 3 Years               0-90       MGCV equals           Full AV        Current year       Nursing Home     AK, AL, CT, DE, MN,         (0-80) 2.50% yr 1
     Choice                              >$200K: 1.25%              10,10,10                        100% of premium                      interest WDs                            MO, NY, OR,               0.75% Re-entry
 Single Premium                         <$199,999: 1.00%                               $10K NQ                                           available after   Confinement Waiver     UT, VA, WA
      MYGA                                                          4 Years             $2K Q            MGCV is                          30 days w/o                                                    Issue Ages 81-85:
                                            4 Years               10,10,10,10                          based on the                        surrender                                                      Commissions are
                                         >$200K: 2.10%                                                 issue Date &                        charge or                                                      reduced by 25%
                                        <$199,999: 1.80%           5 Years                            is guaranteed                         interest
                                                                10,10,10,10,10                         for the entire                     adjustments
                                            5 Years                                                       contract                                                                                       Issues ages 86-90:
                                         >$200K: 2.75%              6 Years                                 term.                                                                                         Commissions are
                                        <$199,999: 2.50%        10,10,10,10,10,9                                                                                                                           reduced by 50%
                                                                                                        Must call
                                            6 Years                 7 Years                               North
                                         >$200K: 3.20%         10,10,10,10,10,9,8                       American
                                        <$199,999: 3.00%                                               Sales Rep
                                                                   8 Years                             for current                                                                                       Commissions vary
                                            7 Years           10,10,10,10,10,9,8,                       rate info                                                                                        in IN, OK, FL, & IL
                                         >$200K: 3.55%                 6
                                        <$199,999: 3.35%
                                                                   9 Years
                                            8 Years           10,10,10,10,10,9,8,
                                         >$200K: 3.85%                6,4
                                        <$199,999: 3.65%
                                                                   10 Years
                                            9 Years           10,10,10,10,10,9,8,
                                         >$200K: 4.05%               6,4,2
                                        <$199,999: 3.90%

                                            10 Years
                                         >$200K: 4.25%
                                        <$199,999: 4.05%


"Standard & Poor's", "S&P", "S&P500", "S&P 400", "Standard * Poor's MidCap 400 Index" and "Standard & Poor's 500 Index" are t rademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by North American
Company. "Dow Jones," "Dow Jones Industrial Average" and "DJIA" are service marks of Dow Jones and Company, Inc. and have be en licensed for use for certain purposes by North American. Russell 2000 Index is a trademark of
Frank Russell Company and has been licensed for use by North American.
These North American products are not sponsored, endorsed, sold or promoted by these indices nor do they make any representat ion regarding the advisability of investing in the products.
Rates are effective 1-3-05

                                                                     OM Financial Life Insurance
                                                    (Fidelity & Guaranty Life and Fidelity and Guaranty Life of NY)
                                                                                    421 S. 9th St. Ste. 222 Lincoln, NE 68508
                                                                                     A.M. Best B++ Fitch BB Moody's Baa3

  OM Guarantee           1% 1st yr          1st Yr Rate              5 year               0-90              rate        Surender Value      interest             can be              Plus 5                     5 year
     Plus                 bonus             5YR 3.75%               9,8,7,6,5                          guaranteed       less any amt.         only             converted        MN, NY, OR, UT,             (0-79) 2.50%
    (SPDA)                                  7YR 4.00%                7 year             $5K NQ         for contract       previously        after 30          to Medicaid             WA                    (80-90) 1.25%
                                                                  9,8,7,6,5,4,3          $2K Q             term          surrendered          days              friendly                                        7 year
                                           base rates:                                                   between        and surrender                             SPIA              Plus 7                   (0-79) 3.25%
                                          Yrs 2-5 2.75%                                                1% and 3%        charges there                                             MN, NY, OR,              (80-90) 1.625%
                              Yrs 2-7 3.00%                                         depending               on                                                     WA
                                                                                     on state

                                                                                                                                                             see the following
                                                                                                                                                            for min. guarantee
                                                                                                                                                                 per state


OM Guarantee                    5YR 2.75%             5 year            0-90         between           Full AV less        interest           can be          Platinum 5                5 year
  Platinum                 rate varies in CT,        9,8,7,6,5                      1% and 3%           any amt.             only           converted        MN, NY,OR,WA           (0-79) 2.50%
   (SPDA)                         NC & OK             7 year          $5K NQ        depending           previously         after 30        to Medicaid                              (80-90) 1.25%
                                                   9,8,7,6,5,4,3       $2K Q         on state          surrendered           days            friendly          Platinum 7               7 year
                               7YR 3.00%                                                              and surrender                            SPIA           MN, NY, OR,            (0-79) 3.25%
                                                                                                      charges there                                               WA               (80-90) 1.625%
                                                                                                            on


                                                                                                                                                             see the following
                                                                                                                                                            for min. guarantee
                                                                                                                                                                 per state

OM Guarantee                      2.25%              3 Years            0-90      Initial guarantee        Surrender     Accumulated     Terminal Illness     MN, NY, OR,             (0-79) 1.5%
 Platinum 3                                           9,8,7                          period is set     charge waived     interest from    Nursing Home            WA                 (80-90) 0.75%
   SPDA                                                               $5K NQ         at issue w/a     at death, unless       day 1       Unemployment                            All states except MN
                                                    CT, NC, OK         $2K Q             min of         the spouse of
                                                     repeating                          1%-3%.         the 1st owner                       End of each
                                                 surrender charges   MVA charge         Min rate      to die continues                      guarantee
                                                    do not apply      may apply          will be          or succeeds                    period, you have
                                                                                    redetermined         to ownership                       30 days to
                                                                                       for each              of the                       surrender this
                                                                                        renewal              annuity                       annuity w/NO
                                                                                         period                                          surrender charge


OM Guarantee   1% 1st yr        2.90% yr 1           3 Years            0-90      Initial guarantee     Surrender        Accumulated       End of each        MN, NY, OR,             (0-79) 1.50%
   Plus 3       bonus       includes 1% 1st yr        9,8,7                          period is set       Value           interest from      guarantee             WA                 (80-90) 0.75%
   SPDA                           bonus                               $5K NQ         at issue w/a                            day 1       period, you have                        All states except MN
                                  Base:                                $2K Q             min of                                             30 days to
                             1.90% in yrs 2-3                                           1%-3%.                                            surrender this
                                                                     MVA charge         Min rate                                           annuity w/NO
                             3 year guarantee                         may apply          will be                                         surrender charge
                                  period                                            redetermined
                                                                                       for each
                                                                                        renewal
                                                                                         period




                                                               OneAmerica Financial Partners, Inc
                                                        One America Square PO Box 368 Indianapolis, IN 46206-0368
                                                              AM Best A (Excellent) S&P AA- (Very Strong)
Annuity Care I             LTC Fund:             10 Years              50-85         Min interest     Surrender         After 1st yr,       LTC Benefit     CT, NH, NY    (50-75) 5.75%
   SPDA                      4.00%             8,8,8,7,6,5,4,                       rate credited charges waived          10% of          LTC elimination                 (76-85) 3.75%
                                                   3,2,0               $10K             to both      upon death        accumulated         period: 7 days
                           Cash Fund:                                               cash & LTC       of owner or        cash value
                             2.00%                                                      funds.        annuitant
                                                                                     Call home       (if different)     Withdrawals
                           Cash Fund                                               office for rates.                      for LTC
                           Maximizer:                                                                                 expenses from
                             2.60%           Avail. Continuation                                                       the LTC fund
                                                   Options:                                                               are not
                                                 36 months                                                               subject to
                                                   Lifetime                                                              Surrender
                                                                                                                          charges


Annuity Care II         LTC accumulated           10 Years             40-80         Min interest     Surrender          After 1st yr,     LTC Benefit      CA, CT, HI,   (40-80) 6.50%
   SPDA                      value:          9,8,7,6,5,4,3,2,1,0                    rate credited charges waived            10% of        LTC elimination    IL, MA,
                             3.40%                                     $10k             to both      upon death         accumulated       period: 90 days   NH, NJ, NY,
                                                                                    cash & LTC       of owner or         cash value                          PA, TN,
                        Accumulated value:   Avail. Continuation                        funds.        annuitant     (Partial Surrender)                       UT, VT
                             2.60%                 Options:                          Call home       (if different)
                                             3 yr: (ages 40-80)                    office for rates.                      LTC WD:
                                             6 yrs: (ages 40-75)                                                     - Reimbursement
                                             9 yrs: (ages 40-70)                                                         - Indemnity




                                                         Presidential Life Insurance Company
                                                                      69 Lydecker St. Nyack, NY 10960
                                                                            AM Best B+(Good)

  Secure 4        n/a         2.15%                4 year               0-90           1.10%            Full AV            10%                  Can         IL, OR, WA      (0-80) 1%
 SPDA-20[4]                guaranteed              7,6,6,5            Annuitant                       at death of        available           annuitize                    (81-85) .50%
                             all 4 yrs                               Age Nearest                       annuitant       immediately         immediately                    (86-90) .33%
                                                                     $5K NQ &Q                                                             interest only
  Secure 5        n/a         2.65%                5 year               0-90           1.10%            Full AV            10%                  Can         IL, OR, WA     (0-80) 1.5%
 SPDA-20[5]                guaranteed             7,7,6,6,4           Annuitant                       at death of        available           annuitize                    (81-85) .90%
                             all 5 yrs                               Age Nearest                       annuitant       immediately         immediately                    (86-90) .33%
                                                                     $5K NQ &Q                                                             interest only
  Secure 6        n/a        2.55%                 6 year               0-90           1.10%            Full AV            10%                  Can         IL, OR, WA      (0-80) 2%
 SPDA-20[6]                guaranteed            7,7,7,6,5,4          Annuitant                       at death of        available           annuitize                     (81-85) 1%
                            all 6 yrs                                Age Nearest                       annuitant       immediately         immediately                    (86-90) .33%
                                                                     $5K NQ &Q                                                             interest only



                                                                        RBC Insurance-BMA
                                                                2000 Wade Hampton Blvd. Greenville, SC 29615
                                                                  AM Best A- (Excellent) Fitch A- (Strong)
Value Master      n/a        4.00%: Year 1         10 Years             0-85             3%        Full AV     Up to 10%        Confinement       AK, HI, MN, NJ, NY      (0-75) 5.00%
   SPDA                                        10,9,8,7,6,5,4,3,                                               AV once a          Waiver                                 (76-80) 3.00%
                                                     2,1             $5K NQ & Q                                 year after                                               (81-85) 2.00%
                                                 (+ or - MVA)                                                  first policy
                                                                                                                   year.

                                                                                                                   RMD
                                                                                                                available
                                                                                                              immediately
RBC 7 MYG         n/a           3.25% yr1         7 Years               0-80 Q          2.70%      Full AV     Up to 10%        Confinement        AK, MD, NJ, NY,        (0-75) 3.00%
 (SPDA)                       2.25% yrs 2-7     7,7,7,6,5,4,3          0-85 NQ                                 AV once a       Terninal Illness    OR, PA, TX, UT        (76-80) 1.75%
                                                                                                                year after                                               (81-85) 1.00%
                                                   +/- MVA                $5K                                  first policy    Income Option
                                                                   5 add'l premiums                                year.
                                                                       of at least
                                                                      $500 each
                                                                      allowed in
                                                                      1st 12 mos
                                                                    (4 mos for PA)




                                                     Reliance Standard Life Insurance Company
                                                       2001 Market Street, Suite 1500 Philadelphia, PA 19103-9802
                                                         AM Best A (Excellent) Fitch A- S&P A Moody's A3

  Apollo       1% first yr        MVA              7 years              0-85            1.00%      Full AV     10% in 1st        high comp           Apollo MVA            Apollo MVA
 MVA & SP       bonus         3.90% 1st year   9,8,7,6,5,4,2,0                                                   year                              AL, MD, MN, MT,         (0-75) 5.25%
  SPDA                       2.90% base rate                             $5K          Apollo MVA                                withdrawals        NY, OR, TX, UT,     (76-80) reduce 20%
                                                                                      3% in MT &                 The 10%       accumulate up           VT, WA          (81-85) reduce 40%
                                   SP                                                    MN                     free WD's         to 30%              Apollo SP             Apollo SP
                              3.75% 1st year                                           Apollo SP             will accumulate                         AL, MT, NY            (0-75) 5.25%
                             2.75% base rate                                           3% in MT,                up to 30%      Nursing Home                             (76-80) redue 20%
                                                                                        OR, TX                 if not used.    Waiver (0-74)                           (81-85) reduce 40%


  Eleos        1% first yr        MVA              5 years              0-85            1.00%      Full AV     10% in 1st         high first         Eleos MVA             Eleos MVA
 MVA & SP       bonus         4.10% 1st year      8,7,6,5,4                                                      year            year yield        AL, MD, MN, MT,        (0-75) 3.25%
  SPDA                       3.10% base rate                            $10K                                                                       ND, NY, OR, TX,     (76-80) reduce 20%
                                                                                                                               Custodial Care        UT, VT, WA        (81-85) reduce 40%
                                   SP                                                                                           Provision on                                Eleos SP
                              3.95% 1st year                                                                                   Nursing Home           Eleos SP            (0-75) 3.25%
                             2.95% base rate                                                                                      Waiver             AL, MO, MT,       (76-80) reduce 20%
                                                                                                                                                       NY, UT          (81-85) reduce 40%




                                                                Reliastar Life Insurance Company
                                                              ING Service Center 2000 21st St. Minot, ND 58703
                                                                       AM Best A-(Superior) 2nd highest rating out of 15

      ING          1.50% interest       Qualified:          5 years             0-80 Q       1.5% or          Full AV          10% on             nursing home            AL, NY,                 Q
   Quintaflex      rate bonus (Q)   3.70% new money        5,5,5,5,5           0-80 NQ         3%                             systematic           rider for full           OR              (0-60) 4.75%
                                     2.20% base rate                                          varies                          withdrawals           access to                              (61-65) 2.50%
                                                                               $5K NQ        by state                          available            money w/o                              (66-75) 3.25%
                   1.50% interest     Non-Qualified:                            $2K Q                                           after 30          penalty after                            (76-80) 1.10%
                  rate bonus (NQ)   2.95% new money                                                                               days              60 days of                                   NQ
                                     1.45% base rate                                                                                               confinement                              (0-60) 4.25%
                                                                                                                                                                                           (61-75) 1.75%
                                                                                                                                                                                           (76-80) 1.10%
       ING            3% bonus           2.50%             6 years               0-80         1.50%           Full AV       After 1st contract   Disability Rider     AL, IN, NY, VT        (0-65) 4.30%
     Premier        greater than                         9,8,7,6,5,4,                                                        anniversary up       Nursing Home                             (66-70) 3.25%
        3               $50k                                                   $5,000                                            to 10%          Terminal Illness                          (71-75) 2.90%
     Annuity       2.5% bonus for                                                                                            contract value.                                               (76-80) 2.70%
                     $25k-$50k

                    no bonus for
                    prem under
                       $25K

       ING         1.5% bonus on         2.50%              6 years              0-80         1.50%           Full AV       After 1st contract      Only for           AL, IN, MD,             For Flow
     Premier        premiums in                           9,8,7,6,5,4                                                        anniversary up         periodic          NY, OR, VT, WA       Payments Only
       Flex            year 1                                                  $50 per                                           to 10%             payment                                  (0-70) 5.75%
     Annuity                                                                   payment                                       contract value.                                                (71-75) 4.75%
                                                                                                                                                                                            (76-80) 3.60%



For agent/registered representative use only. Not for public distribution.        AD #
cn51971922005


                                                                            Royal Neighbors of America
                                                                           230 16th Street Rock Island, IL 61201-8645
                                                                                     AM Best A-(Excellent)

   Neighbors                             3.25%             5 Years             16-85 Q       The initial     Full Death       Withdrawals        Annuitant driven    AK, AL, DE, HI, IL,      $100K+
    Choice                                               8.5,7.5,7,6,4         0-85 NQ    interest rate is Benefit Amount      up to the                            LA, MA, MT, NH, NJ,    (16-75) 2.00%
     SPDA                                                                                     the min                          amount of            No riders         NY, OR, SC, VT       (76-85) 1.70%
                                                                                $10K        guaranteed                        accumulated                                                  $10K-$99,999
                                                                                           rate for 5 yrs.                      interest                                                   (16-75) 1.75%
                                                                                          Thereafter, the                                                                                  (76-85) 1.45%
                                                                                            guaranteed                       Interest can
                                                                                             rate is 3%                      be withdrawn
                                                                                                                             30 days after
                                                                                                                                 issue


     Crown                               <$20K             6 Years             0-85 NQ      The initial      Full Death       Withdrawals        Annuitant driven    AL, AK, DE, HI, IL,        $20K+
     Choice                              2.50%         8.5,7.5,7,6,5,4.5       16-85 Q    interest rate is Benefit Amount      of at least                          LA, MA, MT, NH, NJ,     (0-75) 2.75%
     SPDA                                                                                     the min                         $500 can be           No riders         NY, OR, SC, VT       (76-85) 1.45%
                               $20K-$99,999                      $5K       guaranteed                         requested
                                  3.25%                                   rate for 6 yrs.                   any time prior                                   $5K- $19,999
                                                                         Thereafter, the                    to maturity, so                                  (0-75) 1.45%
                                  $100K+                                   guaranteed                      long the Accum                                   (76-85) 1.45%
                                   3.35%                                    rate is 3%                        Value is at
                                                                                                               least $5K

                                                                                                            Interest can
                                                                                                            be withdrawn
                                                                                                            30 days after
                                                                                                                issue




                                                 The Standard (Standard Insurance Company)
                                                              PO Box 711 Portland, OR 97207-9971
                                                     AM Best A(Excellent) S&P AA-(Very Strong) Moody's A1

 Secure Rate     1% Interest   $15K - $99,999    6 Years         0-90        1.15%              Full        10% annually        Nursing Home       PA, NY    (0-80) 4.00%
  Annuity 1      rate bonus        3.00%        7,7,7,6,5,3                                 Accumulation      after first          Waiver                   (81-85) 2.00%
    SPDA                                                                                       Value         contract yr.                                   (86-90) 1.45%
                                  $100K+                         $15K                                                         Terminal Condition
                                   3.10%                                                                                           Waiver




 Secure Rate                   $15K - $99,999   5 Years          0-90        1.15%              Full        10% annually        Nursing Home        NY       (0-80) 4.00%
  Annuity 5                        2.15%        9,8,7,6,5                                   Accumulation      after first          Waiver                   (81-85) 2.00%
    SPDA                                                                                       Value         contract yr.                                   (86-90) 1.45%
                                  $100K+                         $15K                                                         Terminal Condition
                                   2.25%                                                                                           Waiver


 Secure Rate                   $15K - $99,999    6 Years         0-90        1.15%              Full        10% annually        Nursing Home        NY       (0-80) 4.00%
  Annuity 6                        2.20%        9,8,7,6,5,4                                 Accumulation      after first          Waiver                   (81-85) 2.00%
    SPDA                                                                                       Value         contract yr.                                   (86-90) 1.45%
                                  $100K+                         $15K                                                         Terminal Condition
                                   2.30%                                                                                           Waiver




Focused Growth                 $15K - $99,999   5 Years          0-90        1.15%              Full        Interest only       Nursing Home        NY       (0-80) 3.00%
   Annuity 5                       2.75%        8,7,6,5,4                                   Accumulation                           Waiver                   (81-85) 1.50%
    SPDA                                                                                       Value                                                        (86-90) 1.35%
                                  $100K+         +/- MVA         $15K                                                         Terminal Condition
                                   2.85%                                                                                           Waiver
Focused Growth                      $15K - $99,999        6 Years          0-90           1.15%              Full        Interest Only       Nursing Home             NY           (0-80) 2.00%
   Annuity 6                            3.30%            8,7,6,5,4,3                                     Accumulation                           Waiver                            (81-85) 1.00%
    SPDA                                                                                                    Value                                                                 (86-90) 0.77%
                                       $100K+              +/- MVA         $15K                                                            Terminal Condition
                                        3.40%                                                                                                   Waiver




                                                                              Sun Life Financial
                                                                112 Worcester St. Wellesley Hills, MA 02481
                                      SunLife Assurance Company of Canada(US) is rated by these rating agencies for financial strength:
                                                   AM Best A++(Superior) Moody's Aa2(Excellent) S&P AA+(Very Strong)

   Sun Life      1st year rate          5 year              5 year         5 Year         1.50%            Full AV         10% free              bonus           AK, OR, VT           5 year
   Financial     includes 1%*           Year 1             7,6,5,4,3        0-90                                            WD in a                                               (0-80) 3.50%
   Keyport         bonus rate       2.65% (>$50K)           6 year       6 & 7 Year     May vary                        calendar year***    Medical Waiver                        (81-90) 1.00%
     Value                          2.50% (<$50K)         7,6,5,4,3,2       0-85        by state                                                                                      6 Year
     FPDA         Stepped-Up           Years 2-5            7 year                                                                                                                 (0-80) 3.00%
                 Bonus Option       1.65% (>$50K)        7,6,5,4,3,2,1      $5K                                                                                                   (81-85) 0.75%
                 (call for rates)   1.50% (<$50K)                                                                                                                                     7 Year
                                        6 year                                                                                                                                     (0-80) 3.00%
                                        Year 1                                                                                                                                    (81-85) 0.75%
                                    2.65% (>$50K)
                                    2.50% (<$50K)
                                       Years 2-5
                                    1.65% (>$50K)
                                    1.50% (<$50K)
                                        7 year
                                        Year 1
                                    2.65% (>$50K)
                                    2.50% (<$50K)
                                       Years 2-5
                                    1.65% (>$50K)
                                    1.50% (<$50K)



*Rating also applies to counterparty credit. 1Outlook stable. **Guaranteed by the financial strength of Sun Life Assurance Company of Canada (U.S.) *** Withdrawals of
taxable amounts are subject to income tax and may be subject to a 10% penalty tax if withdrawn before age 59 1/2. Surrender charges apply to each purchase payment.



                                                                                      Symetra
                                                                  777 108th Ave NE, Suite 1200, Bellevue, WA 98004
                                                     A.M. Best A(Excellent) Fitch A+(Strong) S&P A(Strong) Moody's A3(Good)

    Cutom 7      0.50% 1st yr       $10K-$49,999           7 Years         0-90       2% for the first       Full          10% free          Product can        Approved in all    (0-75) 4.00%
 Fixed Annuity      bonus           1st yr: 2.55%        8,8,7,7,6,5,4                7 years, 1.5%      Accumulation      WD per            convert to an          states        (76-85) 2.50%
Modified SPDA                     Base: 2.05%                                $10K        thereafter          Value        contract yr         Immediate                             (86-90) 1.50%
                                  Yield: 2.12%                                                                                                  annuity

                                  $50K-$99,999                                                                                              Nursing Home
                                  1st yr: 2.95%                                                                                          Hospitalization Waiver
                                  Base: 2.45%
                                  Yield: 2.52%

                                 $100K-$249,999
                                  1st yr: 3.10%
                                  Base: 2.60%
                                  Yield: 2.67%

                                     $250K+
                                  1st yr: 3.15%
                                  Base: 2.65%
                                  Yield: 2.72%


  Custom 5        0.50% 1st yr    $10K-$49,999             5 Years           0-90      2% for the first       Full         10% free          Product can          Approved in all    (0-75) 2.50%
Fixed Annuity        bonus        1st yr: 1.50%            7,7,7,6,5                   5 years, 1.5%      Accumulation     WD per            convert to an            states        (76-85) 1.50%
Modified SPDA                     Base: 1.00%                                $10K        thereafter          Value        contract yr         Immediate                             (86-90) 1.00%
                                  Yield: 1.10%                                                                                                  annuity

                                  $50K-$99,999                                                                                              Nursing Home
                                  1st yr: 2.20%                                                                                          Hospitalization Waiver
                                  Base: 1.70%
                                  Yield: 1.80%

                                 $100K-$249,999
                                  1st yr: 2.45%
                                  Base: 1.95%
                                  Yield: 2.05%

                                     $250K+
                                  1st yr: 2.50%
                                  Base: 2.00%
                                  Yield: 2.10%




                                                                                    West Coast Life
                                                                    343 Sansome St. San Francisco, CA 94104
                                                  S&P AA-(Very Strong) AM Best A+(Superior) Moody's A2 Fitch's A(Very Strong)

Sure Advantage       $100K+           5-Year               10 Years          0-85        1% to 3%         Full Contract     After 1st        Nursing Home          DE, MN, NY           5 Year
     FPDA           Years 2-4        <$100K           8.5,7.5,6.5,5.5,4.5,                                  Value or        contract        Terminal Illness                        (0-75) 2.00%
                 0.50% premium     2.00% Base           3.5,2.5,1.5,0.5      $10K                           income        anniversary,                                              (76+) 1.00%
                      bonus                                                                                payments if       all or a      Optional Money                               6 Year
                                 $100K+ w/bonus             +/- MVA                                       elected prior    portion of      Back Guarantee:                          (0-75) 2.25%
                   3.02% 1st yr      Annual deposits   to death     credited        credited rates   (76+) 1.00%
    $100K+         2.00% base         must be equal                 interest         reduced by:      7-10 Years
  Years 5-10    2.20% 1st yr yield    to or greater                withdrawn         2yr: 0.15%      (0-75) 2.50%
1.00% premium                           than $2K                  penalty free.    3-6 yrs: 0.10%    (76+) 1.00%
     bonus                                                                        7-10 yrs: 0.05%
                     6-Year
                    <$100K
                  2.40% Base

                $100K+ w/bonus
                   3.42% 1st yr
                   2.40% base
                2.57% 1st yr yield


                     7-Year
                    <$100K
                  2.65% Base

                $100K+ w/bonus
                   3.68% 1st yr
                   2.65% base
                2.80% 1st yr yield


                     8-Year
                    <$100K
                  2.90% Base

                $100K+ w/bonus
                   3.93% 1st yr
                   2.90% base
                3.03% 1st yr yield


                     9-Year
                    <$100K
                  3.10% Base

                $100K+ w/bonus
                   4.13% 1st yr
                   3.10% base
                3.21% 1st yr yield


                    10-Year
                    <$100K
                  3.20% Base

                $100K+ w/bonus
                  4.23% 1st yr
                  3.20% base
                                 3.30% 1st yr yield




    Secure           2%               <$50K              7 Years       0-85 NQ   Between 1%-   Full Contract       15% of       Return of Premium    MN, NY    (0-75) 3.00%
   Advantage     Annuitization    1-Year: 4.60%       8,8,7,6.5,5.5,   18-85 Q       3%            Value           contract                                   (76-80) 1.50%
 Fixed Limited     Bonus          2-Year: 3.10%           4.5,3                                                   value free    Bailout Protection            (81-85) 0.50%
     FPDA                         4-Year: 2.35%                         $10K                                   from Surrender
                                  6-Year: 2.10%                                                                    charge.

                                                                                                                *Portions not
                                      $50K+                                                                       used in a
                                  1-Year: 5.75%                                                                    given yr
                                  2-Year: 3.75%                                                                   cannot be
                                  4-Year: 2.75%                                                                  carried over
                                  6-Year: 2.50%                                                                  to the next
                                                                                                                     year




For Broker/Agent Use Only. Not to be used with the general public.
AnnuityLife Producer Consultants
Fixed Annuities: Week 3/28/2011 - 4/1/2011
For information call (800) 488.4015
 Guarantee
  Period                     Company                   AM Best         Product Name               Issue Ages
   1 Year                  Allianz ($100K+)               A              Dominator Select             0-85
   1 Year              Allianz ($25K-$99,999)             A              Dominator Select             0-85
   2 Year                  Allianz ($100K+)               A              Dominator Select             0-85
   2 Year              Allianz ($25K-$99,999)             A              Dominator Select             0-85
   2 Year    Life Insurance Company of the Southwest      A           Sure Rate 2 ($100K+)            0-90
   2 Year    Life Insurance Company of the Southwest      A            Sure Rate 2 ($25K+)            0-90
   3 Years           OM Financial Life Insurance         B++        OM Guarantee Platinum 3           0-90
   3 Years           OM Financial Life Insurance         B++           OM Guarantee Plus 3            0-90
   3 Years                      Legacy                                       RateMark                 0-85
   3 Years                 Allianz ($100K+)               A              Dominator Select             0-85
   3 Years             Allianz ($25K-$99,999)             A              Dominator Select             0-85
   3 Years                     NACOLAH                   A+       NA Guarantee Choice >$200K          0-90
   3 Years                     NACOLAH                   A+      NA Guarantee Choice <$199,999        0-90
   4 Years                 Presidential Life             B+                  Secure 4                 0-90
   4 Years                     NACOLAH                   A+       NA Guarantee Choice >$200K          0-90
   4 Years                   Integrity Life              A+           Momentum Advantage              0-86
   4 Years                     NACOLAH                   A+      NA Guarantee Choice <$199,999        0-90
   5 Years           Royal Neighbors of America           A-             Neighbors Choice            16-85
   5 Years                 American Equity                A-                Guarantee 5               0-80
   5 Years           OM Financial Life Insurance         B++            OM Guarantee Plus             0-90
   5 Years     Standard Insurance Company $100K+          A         Focused Growth Annuity 5          0-90
   5 Years   Great American (>$100K Escalating Rate)      A      American Freedom Stars & Stripes   NQ 0-89
   5 Years            Lincoln Financial $100K+           A+                MYGuarantee                0-85
   5 Years                     NACOLAH                   A+       NA Guarantee Choice >$200K          0-90
   5 Years           OM Financial Life Insurance         B++         OM Guarantee Platinum            0-90
   5 Years     Standard Insurance Company <$100K          A         Focused Growth Annuity 5          0-90
   5 Years   Great American (<$100K Escalating Rate)      A      American Freedom Stars & Stripes   NQ 0-89
   5 Years                 Presidential Life             B+                  Secure 5                 0-90
   5 Years                     Genworth                   A             Rate Saver ($250K)            0-85
   5 Years            Lincoln Financial <$100K           A+                MYGuarantee                0-85
   5 Years                American General                A                Horizon Select             0-85
   5 Years            American National 100k +            A          Palladium MYG Annuity            0-85
   5 Years                     Genworth                   A       Rate Saver ($100K-$249,999)         0-85
   5 Years                     NACOLAH                   A+      NA Guarantee Choice <$199,999        0-90
   5 Years            American National <100k             A          Palladium MYG Annuity            0-85
   5 Years            Lincoln Financial >$100K           A+                  Classic 5                0-85
   5 Years                American General                A               HorizonSecure               0-85
   5 Years                   Integrity Life              A+           Momentum Advantage              0-86
   5 Years                     Genworth                   A        Rate Saver ($25K-$99,999)          0-85
   5 Years     Standard Insurance Company $100K+          A           Secure Rate Annuity 5           0-90
   5 Years                      Legacy                                       RateMark                 0-85
   5 Years            Lincoln Financial <$100K           A+                  Classic 5                0-85
   5 Years            West Coast Life ($100K+)           A+               Sure Advantage              0-85
   5 Years     Standard Insurance Company <$100K         A            Secure Rate Annuity 5           0-90
   5 Years              Allianz Life ($100K+)            A                Dominator Plus              0-85
5 Years                   EquiTrust Life              B+       Certainty/Certainty Select    0-90
5 Years            West Coast Life (<$100K)           A+            Sure Advantage           0-85
5 Years           Allianz Life ($25K-$99,999)          A            Dominator Plus           0-85
5 Years            Sun Life Financial >$50k           A++            Keyport Value          NQ 0-90
5 Years            Sun Life Financial <$50k           A++            Keyport Value          NQ 0-90
5 Years                Americo Financial               A-          Platinum Assure 5         0-90
5 Years                 Lincoln Benefit               A+             Tactician Plus          0-90
6 Years     Standard Insurance Company $100K+          A       Focused Growth Annuity 6      0-90
6 Years      Royal Neighbors of America ($100K+)       A-            Crown Choice           NQ 0-85
6 Years     Standard Insurance Company <$100K          A       Focused Growth Annuity 6      0-90
6 Years   Royal Neighbors of America ($20K-$99,999)    A-            Crown Choice           NQ 0-85
6 Years                     NACOLAH                   A+     NA Guarantee Choice >$200K      0-90
6 Years                American General                A            HorizonAchiever          0-85
6 Years            American National 100k+             A        Palladium MYG Annuity        0-85
6 Years                     NACOLAH                   A+    NA Guarantee Choice <$199,999    0-90
6 Years            American National <100k             A        Palladium MYG Annuity        0-85
6 Years            Lincoln Financial $100K+           A+             MYGuarantee             0-85
6 Years            Lincoln Financial <$100K           A+             MYGuarantee             0-85
6 Years            Lincoln Financial >$100K           A+           New Directions 6          0-85
6 Years            West Coast Life ($100K+)           A+            Sure Advantage           0-85
6 Years                 Presidential Life             B+                Secure 6             0-90
6 Years      Royal Neighbors of America (<$20K)        A-            Crown Choice           NQ 0-85
6 Years            Lincoln Financial <$100K           A+           New Directions 6          0-85
6 Years            West Coast Life (<$100K)           A+            Sure Advantage           0-85
6 Years     Standard Insurance Company $100K+          A         Secure Rate Annuity 6       0-90
6 Years     Standard Insurance Company <$100K          A         Secure Rate Annuity 6       0-90
6 Years                   EquiTrust Life              B+       Certainty/Certainty Select    0-90
6 Years                 Lincoln Benefit               A+             Tactician Plus          0-90
6 Years            Sun Life Financial >$50k           A++            Keyport Value           0-85
6 Years            Sun Life Financial <$50k           A++            Keyport Value           0-85
7 Years                     NACOLAH                   A+     NA Guarantee Choice >$200K      0-90
7 Years                      Genworth                  A          Rate Saver ($250K)         0-85
7 Years                     NACOLAH                   A+    NA Guarantee Choice <$199,999    0-90
7 Years                      Genworth                  A     Rate Saver ($100K-$249,999)     0-85
7 Years                 American Equity                A-             Guarantee 7            0-80
7 Years                    Integrity Life             A+        Momentum Advantage           0-85
7 Years            Lincoln Financial $100K+           A+             MYGuarantee             0-85
7 Years          OM Financial Life Insurance          B++         OM Guarantee Plus          0-90
7 Years                American General                A             Horizon Select          0-85
7 Years                      Genworth                  A      Rate Saver ($25K-$99,999)      0-85
7 Years                American General                A             HorizonSecure           0-85
7 Years            Lincoln Financial <$100K           A+             MYGuarantee             0-85
7 Years          OM Financial Life Insurance          B++       OM Guarantee Platinum        0-90
7 Years            American National 100k+             A        Palladium MYG Annuity        0-85
7 Years            West Coast Life ($100K+)           A+            Sure Advantage           0-85
7 Years            American National <100k             A        Palladium MYG Annuity        0-85
7 Years                  ING USA 75K+                  A          Guarantee Choice           0-80
7 Years            West Coast Life (<$100K)           A+            Sure Advantage           0-85
7 Years                  ING USA <75K                  A          Guarantee Choice           0-80
7 Years                       Legacy                                    RateMark             0-85
7 Years            Lincoln Financial >$100K           A+                Classic 7            0-85
7 Years                 RBC Insurance                 A-              RBC 7 MYG             NQ 0-85
 7 Years            Lincoln Financial <$100K         A+               Classic 7            0-85
 7 Years                  Lincoln Benefit            A+             Tactician Plus         0-90
 7 Years            Sun Life Financial >$50k         A++            Keyport Value          0-85
 7 Years            Sun Life Financial <$50k         A++            Keyport Value          0-85
 8 Years                      NACOLAH                A+     NA Guarantee Choice >$200K     0-90
 8 Years                      NACOLAH                A+    NA Guarantee Choice <$199,999   0-90
 8 Years            American National 100k+           A        Palladium MYG Annuity       0-85
 8 Years                    EquiTrust Life           B+       Certainty/Certainty Select   0-90
 8 Years            American National <100k           A        Palladium MYG Annuity       0-85
 8 Years            Lincoln Financial $100K+         A+             MYGuarantee            0-85
 8 Years            Lincoln Financial <$100K         A+             MYGuarantee            0-85
 8 Years            West Coast Life ($100K+)         A+            Sure Advantage          0-85
 8 Years            West Coast Life (<$100K)         A+            Sure Advantage          0-85
 8 Years            Lincoln Financial >$100K         A+           New Directions 8         0-85
 8 Years            Lincoln Financial <$100K         A+           New Directions 8         0-85
 8 Years                  Lincoln Benefit            A+             Tactician Plus         0-90
 8 Years   Life Insurance Company of the Southwest    A          RetireMax FPDA 1          0-75
 9 Years                      NACOLAH                A+     NA Guarantee Choice >$200K     0-90
 9 Years                      NACOLAH                A+    NA Guarantee Choice <$199,999   0-90
 9 Years            Lincoln Financial $100K+         A+             MYGuarantee            0-85
 9 Years            West Coast Life ($100K+)         A+            Sure Advantage          0-85
 9 Years            American National 100k+           A        Palladium MYG Annuity       0-85
 9 Years            Lincoln Financial <$100K         A+             MYGuarantee            0-85
 9 Years            West Coast Life (<$100K)         A+            Sure Advantage          0-85
 9 Years            American National <100k           A        Palladium MYG Annuity       0-85
 9 Years                American General              A            AG Horizon Plus         0-85
 9 Years                  Lincoln Benefit            A+             Tactician Plus         0-90
10 Years                      NACOLAH                A+     NA Guarantee Choice >$200K     0-90
10 Years                      NACOLAH                A+    NA Guarantee Choice <$199,999   0-90
10 Years                   ING USA 75K+               A          Guarantee Choice          0-80
10 Years                   ING USA <75K               A          Guarantee Choice          0-80
10 Years                     Integrity Life          A+        Momentum Advantage          0-83
10 Years                    EquiTrust Life           B+       Certainty/Certainty Select   0-90
10 Years                American General              A             Horizon Select         0-85
10 Years            Lincoln Financial $100K+         A+             MYGuarantee            0-85
10 Years            West Coast Life ($100K+)         A+            Sure Advantage          0-85
10 Years            West Coast Life (<$100K)         A+            Sure Advantage          0-85
10 Years            American National 100k+           A        Palladium MYG Annuity       0-85
10 Years            Lincoln Financial <$100K         A+             MYGuarantee            0-85
10 Years                     Integrity Life          A+            New Momentum            0-85
10 Years            American National <100k           A        Palladium MYG Annuity       0-85
10 Years               Allianz Life ($100K+)          A            Dominator Plus          0-85
10 Years           Allianz Life ($25K-$99,999)        A            Dominator Plus          0-85
10 Years                American General              A         Horizon MYG Annuity        0-85
10 Years                   Lincoln Benefit           A+             Tactician Plus         0-90
10 Years   Life Insurance Company of the Southwest    A      RetireMax Millennium Plus     0-80
10 Years                        Legacy                                RateMark             0-85
10 Years   Life Insurance Company of the Southwest   A           RetireMax FPDA 2          0-75
1st Year     Rate       Annual Eff.     Commission
  Rate     Thereafter     Rate        (could vary at older ages)

  1.50%      1.50%        1.50%                0.25%
  1.50%      1.50%        1.50%                0.25%
  1.50%      1.50%        1.50%                0.50%
  1.50%      1.50%        1.50%                0.50%
  1.15%      1.15%        1.15%                0.90%
  1.00%      1.00%        1.00%                0.90%
  2.25%      2.25%        2.25%                1.50%
  2.90%      1.90%        2.23%                1.50%
  2.00%      2.00%        2.00%                2.25%
  1.50%      1.50%        1.50%                1.25%
  1.50%      1.50%        1.50%                1.25%
  1.25%      1.25%        1.25%                2.50%
  1.00%      1.00%        1.00%                2.50%
  2.15%      2.15%        2.15%                1.00%
  2.10%      2.10%        2.10%                2.50%
  2.45%      1.70%        1.88%                2.00%
  1.80%      1.80%        1.80%                2.50%
  3.25%      3.25%        3.25%                1.75%
  3.15%      3.15%        3.15%                3.00%
  3.75%      2.75%        2.95%                2.50%
  2.85%      2.85%        2.85%                3.00%
  2.80%      2.55%        2.80%                3.00%
  2.75%      2.75%        2.75%                2.00%
  2.75%      2.75%        2.75%                2.50%
  2.75%      2.75%        2.75%                2.50%
  2.75%      2.75%        2.75%                3.00%
  2.70%      2.45%        2.70%                3.00%
  2.65%      2.65%        2.65%                1.50%
  2.60%      2.60%        2.60%                2.10%
  2.60%      2.60%        2.60%                2.00%
  2.55%      2.55%        2.55%                4.00%
  3.30%      2.30%        2.50%                4.00%
  2.50%      2.50%        2.50%                2.10%
  2.50%      2.50%        2.50%                2.50%
  3.20%      2.20%        2.40%                4.00%
  4.00%      2.00%        2.40%                2.00%
  2.35%      2.35%        2.35%                4.00%
  2.95%      2.20%        2.35%                2.50%
  2.30%      2.30%        2.30%                2.10%
  2.25%      2.25%        2.25%                4.00%
  2.20%      2.20%        2.20%                3.00%
  3.00%      2.00%        2.20%                2.00%
  3.02%      2.00%        2.20%                2.00%
  2.15%      2.15%        2.15%                4.00%
  2.00%      2.00%        2.00%                3.00%
2.00%   2.00%   2.00%   1.25%
2.00%   2.00%   2.00%   2.00%
1.90%   1.90%   1.90%   3.00%
2.65%   1.65%   1.85%   3.50%
2.50%   1.50%   1.70%   3.50%
1.50%   1.50%   1.50%   5.00%
1.50%   1.50%   1.50%   4.00%
3.40%   3.40%   3.40%   2.00%
3.35%   3.35%   3.35%   2.75%
3.30%   3.30%   3.30%   2.00%
3.25%   3.25%   3.25%   2.75%
3.20%   3.20%   3.20%   2.50%
3.05%   3.05%   3.05%   3.00%
3.00%   3.00%   3.00%   2.50%
3.00%   3.00%   3.00%   2.50%
2.90%   2.90%   2.90%   2.50%
2.90%   2.90%   2.90%   2.25%
2.75%   2.75%   2.75%   2.25%
2.60%   2.60%   2.60%   3.50%
3.42%   2.40%   2.57%   2.25%
2.55%   2.55%   2.55%   2.00%
2.50%   2.50%   2.50%   1.45%
2.45%   2.45%   2.45%   3.50%
2.40%   2.40%   2.40%   2.25%
2.30%   2.30%   2.30%   3.00%
2.20%   2.20%   2.20%   3.00%
2.10%   2.10%   2.10%   1.25%
1.90%   1.90%   1.90%   2.00%
2.65%   1.65%   1.82%   3.00%
2.50%   1.50%   1.67%   3.00%
3.55%   3.55%   3.55%   2.50%
3.40%   3.40%   3.40%   2.90%
3.35%   3.35%   3.35%   2.50%
3.30%   3.30%   3.30%   2.90%
3.25%   3.25%   3.25%   3.00%
3.90%   3.15%   3.25%   3.00%
3.15%   3.15%   3.15%   2.50%
4.00%   3.00%   3.14%   3.25%
3.10%   3.10%   3.10%   4.00%
3.10%   3.10%   3.10%   2.90%
3.00%   3.00%   3.00%   4.00%
3.00%   3.00%   3.00%   2.50%
3.00%   3.00%   3.00%   3.25%
3.75%   2.75%   2.89%   2.50%
3.68%   2.65%   2.80%   2.50%
3.65%   2.65%   2.79%   2.50%
3.55%   2.55%   2.69%   2.50%
2.65%   2.65%   2.65%   2.50%
2.55%   2.55%   2.55%   2.50%
2.50%   2.50%   2.50%   4.00%
5.00%   2.00%   2.42%   2.50%
3.25%   2.25%   2.39%   3.00%
4.00%   2.00%   2.28%            2.50%
2.20%   2.20%   2.20%            4.00%
2.65%   1.65%   1.79%            3.00%
2.50%   1.50%   1.64%            3.00%
3.85%   3.85%   3.85%            2.50%
3.65%   3.65%   3.65%            2.50%
3.40%   3.40%   3.40%            2.50%
6.00%   3.00%   3.38%            1.25%
3.30%   3.30%   3.30%            2.50%
3.20%   3.20%   3.20%            2.50%
3.05%   3.05%   3.05%            2.50%
3.93%   2.90%   3.03%            2.50%
2.90%   2.90%   2.90%            2.50%
2.85%   2.85%   2.85%            4.50%
2.70%   2.70%   2.70%            4.50%
2.40%   2.40%   2.40%            4.00%
2.85%   1.85%   1.98%   call for commissions
4.05%   4.05%   4.05%            2.50%
3.90%   3.90%   3.90%            2.50%
3.25%   3.25%   3.25%            2.50%
4.13%   3.10%   3.21%            2.50%
4.90%   2.90%   3.15%            3.00%
3.10%   3.10%   3.10%            2.50%
3.10%   3.10%   3.10%            2.50%
4.80%   2.80%   3.05%            3.00%
8.25%   2.25%   2.92%            6.00%
2.60%   2.60%   2.60%            2.00%
4.25%   4.25%   4.25%            2.50%
4.05%   4.05%   4.05%            2.50%
4.60%   3.60%   3.70%            3.25%
3.60%   3.60%   3.60%            3.25%
4.25%   3.50%   3.57%            3.50%
7.00%   3.00%   3.40%            1.25%
3.30%   3.30%   3.30%            4.00%
3.30%   3.30%   3.30%            2.50%
4.23%   3.20%   3.30%            2.50%
3.20%   3.20%   3.20%            2.50%
4.05%   3.05%   3.15%            4.00%
3.15%   3.15%   3.15%            2.50%
3.75%   3.00%   3.07%            5.00%
3.95%   2.95%   3.05%            4.00%
3.00%   3.00%   3.00%            3.00%
2.90%   2.90%   2.90%            3.00%
6.30%   2.30%   2.70%            7.50%
2.70%   2.70%   2.70%            4.00%
7.15%   2.15%   2.65%   call for commissions
2.60%   2.60%   2.60%            4.00%
3.40%   2.40%   2.28%   call for commissions
AnnuityLife Producer Consultants
Fixed Indexed Annuities: Week 3/28/2011 - 4/1/2011
For information call (800) 488.4015
  Product       Index Term              Participation               Surrender              Min
  FPDA/SPDA      Remarks                     Cap                     Period             Premium
                                          Spread                                       Issue Ages




                                                                    Allianz Life Insurance Company of North America
                                                                                    5701 Golden Hills Drive Minneapolis, MN 55416
                                                                                          AM Best A S&P AA Moody's A2

  MasterDex        pt to pt           S&P500 (mo. Pt to pt)            5 X 10              0-85
     10          monthly cap.          100% participation            (+ / - MVA)
                                         2.80% mo cap                                     $5K NQ
                 10% bonus           Nasdaq 100 (mon. avg.)                                $2K Q
                                       100% participation
                                         2.80% mo cap

                                        2.80% base rate




 NY MasterDex     mo. Pt to pt           S&P, NASDAQ                  7 Years              0-85
                 Guaranteed             100% participation              10%
                 annual index                no fees                goes down           $25k Q & NQ
                                           2.20% cap              monthly by .083%
                                 Guaranteed Annual Index: 1.00%
                                      Fixed Account: 2.50%



  MasterDex     Blended Index             Nasdaq - 100                7 Years              0-80
    Plus        Mo. Sum w/ann             100% part rate           10,9,8,7,6,5,4
                     reset             2.10% mo. sum cap                                   $15K
                 ann pt to pt         4.25% annual pt to pt
                mo.avg w/ann           n/a mo. avg spread
                     reset                  S&P 500
                                          100% part rate
                                       2.00% mo. sum cap
                                      4.25% annual pt to pt
                                       n/a mo. avg spread
                                            FTSE 100
                                     100% part rate
                                  2.10% mo. sum cap
                                 4.50% annual pt to pt
                                  n/a mo. avg spread
                                       Blended
                                     100% part rate
                                    no mo. sum cap
                                 4.25% annual pt to pt
                                2.50% mo. avg spread

                                    Fixed: 2.00%



MasterDex 5    Blended Index         Nasdaq - 100            10 Years         0-80
   Plus        Mo. Sum w/ann         100% part rate      15,15,15,15,12.86,
                    reset         2.00% mo. sum cap       10.71,8.57,6.43,    $15K
                ann pt to pt     3.75% annual pt to pt       4.29,2.14
               mo.avg w/ann       n/a mo. avg spread
                    reset              S&P 500
                                     100% part rate      Surrender charges
                 5% Bonus         2.00% mo. sum cap      may vary depending
                * bonus may      4.00% annual pt to pt      on the state
               vary depending     n/a mo. avg spread
                on the state*          FTSE 100
                                     100% part rate
                                  2.10% mo. sum cap
                                 4.25% annual pt to pt
                                  n/a mo. avg spread
                                       Blended
                                     100% part rate
                                    no mo. sum cap
                                 4.00% annual pt to pt
                                2.50% mo. avg spread

                                    Fixed: 2.00%



MasterDex 10   Blended Index        Nasdaq - 100               5x10           0-80
    Plus       Mo. Sum w/ann        100% part rate
                    reset        2.80% mo. sum cap
                ann pt to pt    6.00% annual pt to pt                         $15K
               mo.avg w/ann      n/a mo. avg spread
                    reset             S&P 500
                                    100% part rate
                10% Bonus        2.80% mo. sum cap
                                6.25% annual pt to pt
                                 n/a mo. avg spread
                                      FTSE 100
                                    100% part rate
                                 2.80% mo. sum cap
                                6.50% annual pt to pt
                                 n/a mo. avg spread
                                      Blended
                                    100% part rate
                                   no mo. sum cap
                                6.25% annual pt to pt
                               2.50% mo. avg spread

                                   Fixed: 2.80%




MasterDex      Mo. Sum              Nasdaq - 100               10 Years              0-80
    X          Mo. Avg.             100% part rate          10,10,10,8.75,
  FPDA        ann pt to pt       2.00% mo. sum cap          7.50,6.25,5.00,          $20K
                                4.00% annual pt to pt       3.75,2.50,1.25
                                  no mo. avg spread
            Prem Plus Event:          S&P 500
               10% bonus            100% part rate
            on all premiums      2.00% mo. sum cap
               received in      4.25% annual pt to pt
              1st 3 contract      no mo. avg spread
                  years.           EuroSTOXX 50
                                    100% part rate
                                 2.10% mo. sum cap
                                4.25% annual pt to pt
                                 no mo. avg spread
                                      Blended
                                    100% part rate
                                   no mo. sum cap
                                4.25% annual pt to pt
                               2.50% mo. avg spread

                                   Fixed: 2.00%



Endurance      Mo. Sum             Nasdaq - 100                10 Years              0-80
   Plus       Ann pt to pt         105% part rate           10,10,10,8.75,
               Mo. Avg          2.30% mo. sum cap          7.50,6.25,5,3.75,      $10K Q & NQ
                               4.50% annual pt to pt          2.50,1.25
             20% Bonus w/        no mo. avg spread
             Enhanced WD             S&P 500            After 10th contract yr:
                Benefit            105% part rate                5x10
                                2.20% mo. sum cap                 5x5
                                     4.50% annual pt to pt      1 yr deferral, then
                                       no mo. avg spread          period certain
                                        EuroSTOXX 50            payments over 10
                                         105% part rate            to 30 yrs w/
                                      2.30% mo. sum cap          Flexible Annuity
                                     5.00% annual pt to pt         Option Rider
                                       no mo. avg spread
                                           Blended
                                         105% part rate          Surrender charge
                                        no mo. sum cap         schedule varies in TX
                                     4.75% annual pt to pt
                                    2.50% mo. avg spread

                                        Fixed: 2.10%


Endurance      Montly Sum                Nasdaq - 100                5 Years               0-80
  Elite        Ann pt to pt              105% part rate              8,7,6,5,4
                 Mo. Avg              2.30% mo. sum cap                                    $10K
               annual reset          4.25% annual pt to pt     After 5th contract yr:
                  Fixed                no mo. avg spread                5x10
                                           S&P 500                      5x5
              10% Bonus w/               105% part rate          1 yr deferral, then
              Enhanced WD             2.30% mo. sum cap            period certain
                 Benefit             4.25% annual pt to pt      payments over 10
                                       no mo. avg spread            to 30 yrs w/
                                        EuroSTOXX 50              Flexible Annuity
                                         105% part rate             Option Rider
                                      2.30% mo. sum cap
                                     4.50% annual pt to pt
                                       no mo. avg spread
                                           Blended
                                         105% part rate
                                        no mo. sum cap
                                     4.50% annual pt to pt
                                    2.50% mo. avg spread

                                        Fixed: 2.00%

 Pro V1     ann pt to pt spread        Barclay's Capital             5 Years               0-85
 SPDA                                 100% Participation             8,7,6,5,4
                                   1.20% ann pt to pt spread                            $10K Q & NQ
                                  Pimco US Advantage Index
                                            1.20%

                                        Fixed: 2.10%
                                                             1 Not available in all states * To money allocated to the interest earning value. S&P 500 Index does not include dividends


                                                                         American Equity Investment Life Insurance Company
                                                                                          6000 Westown Parkway West Des Moines, IA 50266
                                                                                                      AM Best A- (Excellent)

   Bonus         annual reset          S&P 500 mo. Avg.                       16 Years             0-80 Q & NQ
    Gold        annual pt to pt     no cap, no fee, 35% part.             20,19.5, 19,18.5,
(INDEX-1-07)     mo. Pt to pt                   or                         18,17.5,17,16
   FPDA         ann. Mo. Avg.     100% part., no fee, 4.75% cap             15,14,12,10,              $5,000
                Fixed account         S&P annual pt to pt                     8,6,4,2%
                                    no cap, no fee, 25% part.
                                                or                                                 FL issue ages
                 10% bonus        100% part, no fee, 4.75% cap                                          0-64
                  ages 0-80             S&P mo. Pt to pt
                                  100% part., no fee, 2.00% cap
                                     Dow annual mo. Avg
                                           4.75% cap
                                      Dow annual pt to pt
                                           4.75% cap
                                      US Treasury Bond
                                  100% part., no fee, 4.00% cap
                                         Fixed: 2.25%

 10/10 Gold     annual pt to pt        S&P 500 mo. Avg.                      10 Years              0-80 Q & NQ
(Index-06-05)    mo. Pt to pt       no cap, no fee, 35% part.             10,9,8,7,6,5,4,3,
                                      S&P annual pt to pt                       2,1
                                    no cap, no fee, 25% part.                                           $5K
                                        S&P mo. Pt to pt
                                  100% part., no fee, 2.00% cap
                                       US Treasury Bond
                                  100% part., no fee, 4.00% cap
                                     Fixed account - 2.25%




  Integrity      annual reset          S&P 500 mo. Avg.                       6 Years              0-80 Q & NQ
    Gold        annual pt to pt     no cap, no fee, 35% part.              8,7,6,4.5,3,1.5
(Index-5-07)     mo. Pt to pt                   or
                ann. Mo. Avg.     100% part., no fee, 4.75% cap                                         $5K
                Fixed account         S&P annual pt to pt
                                    no cap, no fee, 25% part.
                                                or
                                  100% part, no fee, 4.75% cap
                                        S&P mo. Pt to pt
                                       100% part., no fee, 2.00% cap
                                           Dow annual mo. Avg
                                                4.75% cap
                                           Dow annual pt to pt
                                                4.75% cap
                                            US Treasury Bond
                                       100% part., no fee, 4.00% cap
                                          Fixed account - 2.25%

 Advantage          annual reset            S&P 500 mo. Avg.                 10 Years          0-80 Q & NQ
     Gold          annual pt to pt       no cap, no fee, 30% part.       16,15,14,13,11.5,
 (Index-6-07)       mo. Pt to pt                     or                   10,8.5,7,5.5,4
                   Fixed account       100% part., no fee, 4.25% cap                              $5K
                                           S&P annual pt to pt
                                         no cap, no fee, 25% part.
                     5% Bonus                        or
                                       100% part, no fee, 4.25% cap
                                             S&P mo. Pt to pt
                                       100% part., no fee, 1.80% cap
                                            US Treasury Bond
                                       100% part., no fee, 4.00% cap
                                          Fixed account - 2.10%


 Retirement         annual reset             S&P 500 mo. Avg.                 10 Years         0-78 Q & NQ
    Gold           annual pt to pt       no cap, no fee, 30% part.       Issue ages (0-78)
 (RG-FIA-09)        mo. Pt to pt                     or                   12.5,12,12,11,10,
   FPDA            Fixed account       100% part., no fee, 4.25% cap          9,8,7,6,4           $5K
                                            S&P annual pt to pt
                     9% Bonus            no cap, no fee, 25% part.           14 Year
                     ages 0-78                       or                   Bonus Vesting          TX issue
                                       100% part, no fee, 4.25% cap      Schedule applies       ages 0-55
                     AK, DE,                  S&P mo. Pt to pt
                       OR              100% part., no fee, 1.80% cap   FL issue ages (0-64)
                  6% Prem Bonus           Fixed Account: 2.00%           12.5,12,12,11,10,
                                                                             9,8,7,6,4
                    IN - 9% Prem                                       FL issue ages (65-78)
                   Bonus for ages                                       10,10,10,9,8,7,6,5,
                     (0-73) & 5%                                               3.5,2
                   Prem Bonus for
                     ages (74-78)




    Benefit         mo avg w/cap         S&P 500 Mo. Avg w/Cap               10 Years             0-80
     Gold         ann pt to pt w/cap            4.25% cap               13.25,12,10.75,9.25,
(ICC10 IDX-110)      mo pt to pt       S&P 500 Annual Pt to Pt w/cap     8,6.75,5.5,4,2.5,1       $5K
     SPDA         US treasury bond              4.25% cap
                        fixed            S&P 500 Monthly Pt to Pt
                                           1.80% cap
               5% premium       10 Yr US Treasury Bond Pt to Pt
               bonus on all                4.00% cap
              1st yr premiums       Fixed Account: 2.00%




                                                                                            American General Life
                                                                    Deferred Annuity Operation B-F5 2727-A Allen Parkway Houston, TX 77019
                                                                              AM Best A(Excellent) S&P A+ Fitch A- Moody's A1

  Horizon      annual reset                Fixed: 2.20%                  9 years            0-85
  Index 9       mo pt to pt       1 yr. mo. Pt to pt - 2.50% cap       10,10,9,8,7
   SPDA        2-yr. pt to pt       2 yr. pt to pt - 9.50% cap           6,5,4,2           $5,000

                                                                   TX surrender varies
                4% Bonus

  Horizon      annual reset               Fixed: 2.45%                 12 years             0-85
 Index 12       mo.pt to pt      1 yr. mo. Pt to pt - 2.50% cap     12,12,12,12,12,
   SPDA        2-yr pt to pt       2 yr. pt to pt - 9.50% cap       11,10,9,8,7,5,3        $5,000

                5% Bonus



  Vision        Mo. Avg               100% Participation                7 Years             0-85
Advantage 7   Annual pt to pt           pt to pt: 5.00%               9,8,7,6,5,4,3
  SPDA                                 80% Participation                                 $15K Q & NQ
                                        pt to pt: 5.25%
                                   40% Adjustable Part. Rate
                                         3.00% spread
                                         Fixed: 2.50%


  Vision        Mo. Avg               100% Participation                 9 Years            0-80
Advantage 9   Annual pt to pt           pt to pt: 6.00%             10,9,8,7,6,5,4,3,2
  SPDA                                 80% Participation                                 $15K Q & NQ
                                        pt to pt: 6.25%
                                   40% Adjustable Part. Rate
                                         3.00% spread
                                         Fixed: 3.00%

  Vision      Annual pt to pt         100% Participation               10 Years             0-75
 Maximizer      Mo. Avg                 pt to pt: 6.00%            17,16,15,14,13,10,
  SPDA           Fixed             40% Adjustable Part. Rate             9,8,7,6         $20K Q & NQ
                                  Mo Avg Index spread: 3.00%

              5% Prem Bonus               Fixed 2.20%
  Global 8      Annual pt to pt      Global Multiple Index w/cap         8 Years              0-80
   Index        Global Multiple                 3.25%                 8,7,6,5,4,3,2,1
   FPDA          index w/cap         Adjustable Participation Rate                           $5K NQ
                   Mo. Cap                       40%                                          $2K Q
                    Fixed              Monthly Additive w/cap
                                                1.75%                                          NQ
                                            Fixed: 2.25%                                  EFT optional
                                                                                          w/minimum of
                                                                                            $100/mo

                                                                                               Q
                                                                                          EFT optional
                                                                                          w/minimum of
                                                                                            $300/mo

                                                                                         Future non-EFT
                                                                                          contributions
                                                                                         must be at least
                                                                                               $2K



Global Bonus    Annual pt to pt      Global Multiple Index w/cap         10 Years             0-80
   SPDA         Global Multiple                 4.50%                10,10,10,10,10,9,
                 index w/cap         Adjustable Participation Rate        8,7,6,4         $15K NQ & Q
                   Mo. Cap                       40%
                    Fixed              Monthly Additive w/cap
                                                1.75%
                                            Fixed: 2.25%
                5% Prem Bonus



                                                                                             American Investors Life
                                                                                            611 5th Ave. Des Moines, IA 50306
                                                                                             AM Best A S&P A+ Moody's A1

  Income         Monthly Pt to Pt            $5K - $74,999K              5 Years              0-83
  Select 5       1 Year Pt to Pt        1yr Pt to Pt: 4.00% cap          8,7,6,5,4
   FPDA        1 Yr Uncapped Avg      1yr Pt to Pt Part Rate: 25%                              $5K
               Uncapped Mo. Avg       Monthly Pt to Pt: 1.75% cap
                    w/spread        1yr Pt to Pt Hang Seng: 4.00%
                                    1yr Pt to Pt Euro Stoxx: 4.00%
                                         Fixed Account: 2.00%



                                                  $75K+
                                      1 Year Pt to Pt: 5.50% cap
                                     1 Yr. Pt to Pt Part Rate: 25%
                                     Monthly Pt to Pt: 2.15% cap
                                   1yr Pt to Pt Hang Seng: 4.00%
                                   1yr Pt to Pt Euro Stoxx: 4.00%
                                        Fixed Account: 2.65%




 Income         Monthly Pt to Pt           $5K - $74,999K                7 Years         0-81
 Select 7       1 Year Pt to Pt      1 Year Pt to Pt: 4.00% cap        9,8,7,6,5,4,3
  FPDA        1 Yr Uncapped Avg     1 Yr. Pt to Pt Part Rate: 25%                        $5K
              Uncapped Mo. Avg       Monthly Pt to Pt: 1.75% cap
                   w/spread        1yr Pt to Pt Hang Seng: 4.00%
                                   1yr Pt to Pt Euro Stoxx: 4.00%
                                        Fixed Account: 2.00%



                                                $75K+
                                     1 Year Pt to Pt: 5.50% cap
                                    1 Yr. Pt to Pt Part Rate: 25%
                                     Monthly Pt to Pt: 2.15% cap
                                   1yr Pt to Pt Hang Seng: 4.00%
                                   1yr Pt to Pt Euro Stoxx: 4.00%
                                       Fixed Account: 2.70%



 Income         Monthly Pt to Pt           $5K - $74,999K               10 Years         0-78
 Select 10      1 Year Pt to Pt      1 Year Pt to Pt: 4.00% cap      10,9,8,7,6,5,4,3,
  FPDA        1 Yr Uncapped Avg     1 Yr. Pt to Pt Part Rate: 25%          2,1           $5K
              Uncapped Mo. Avg       Monthly Pt to Pt: 1.75% cap
                   w/spread        1yr Pt to Pt Hang Seng: 4.00%
                                   1yr Pt to Pt Euro Stoxx: 4.00%
                                        Fixed Account: 2.00%



                                                $75K+
                                     1 Year Pt to Pt: 4.50% cap
                                    1 Yr. Pt to Pt Part Rate: 25%
                                     Monthly Pt to Pt: 2.15% cap
                                   1yr Pt to Pt Hang Seng: 4.00%
                                   1yr Pt to Pt Euro Stoxx: 4.00%
                                        Fixed Account: 2.25%



 Income         Monthly Pt to Pt           $5K - $74,999K               10 Years         0-78
Select Plus     1 Year Pt to Pt      1 Year Pt to Pt: 4.00% cap     16,15,14,13,12,11,
  FPDA        1 Yr Uncapped Avg     1 Yr. Pt to Pt Part Rate: 25%        10,8,6,4        $5K
            Uncapped Mo. Avg     Monthly Pt to Pt: 1.75% cap
                w/spread        1yr Pt to Pt Hang Seng: 4.00%     CT, DE, MN, OR,
                                1yr Pt to Pt Euro Stoxx: 4.00%        PA, WA
               3% Bonus             Fixed Account: 2.00%          10,9,8,7,6,5,4,3,
                                                                        2,1

                                                                     TX surrender
                                             $75K+               14.9,13.5,12.1,10.6,
                                  1 Year Pt to Pt: 5.25% cap      9.2,7.7,6.2,4.7,3.1,
                                 1 Yr. Pt to Pt Part Rate: 25%            1.5
                                 Monthly Pt to Pt: 2.15% cap
                                1yr Pt to Pt Hang Seng: 4.00%
                                1yr Pt to Pt Euro Stoxx: 4.00%
                                     Fixed Account: 2.45%




Income          S&P 500                 $5K-$74,999                    6 Years           0-80
Preferred                          1 Year Pt to Pt: 2.75%          9,8,7,6,4.7,3.5,0
   Six         1Yr Pt to Pt      1Year Mo Cap Index: 1.75%                               $5K
  FPDA         1Yr Mo Cap       1 Year Avg Index Cap: 3.25%
            1Yr Avg Index cap      Fixed Account: 1.50%
                  Fixed
                                            $75K
                                   1 Year Pt to Pt: 4.50%
                                 1Year Mo Cap Index: 2.15%
                                1 Year Avg Index Cap: 5.00%
                                   Fixed Account: 2.30%




 Income         S&P 500                 $5K-$74,999                   10 Years           0-78
Preferred                          1 Year Pt to Pt: 2.75%         9.6,9,8,7,6,5,4,3,
   Ten         1Yr Pt to Pt      1Year Mo Cap Index: 1.75%               2,1             $5K
  FPDA         1Yr Mo Cap       1 Year Avg Index Cap: 3.25%
            1Yr Avg Index cap      Fixed Account: 1.30%
                  Fixed
                                            $75K
                                   1 Year Pt to Pt: 4.50%
                                 1Year Mo Cap Index: 2.15%
                                1 Year Avg Index Cap: 5.00%
                                   Fixed Account: 2.10%
Income        1Yr Guarantee                   $5K-$74,999                    10 Years            0-78
Preferred         Fixed                     1-Year Guarantee             16,15,14,13,12,11,
  Ultra                                   Fixed Account: 1.45%                10,8,6,4           $5K
  FPDA
                                                  $75K
                4% interest                 1-Year Guarantee                                   FL issues
               rate bonus for             Fixed Account: 2.15%                                ages (0-64)
             1st contract year
             (must allocate all
            1st year premiums
            into fixed strategy)




Income           S&P 500                      $5K-$74,999                    10 Years            0-78
Preferred                                1 Year Pt to Pt: 3.25%          12,12,12,11,10,9,
 Bonus         1Yr Pt to Pt            1Year Mo Cap Index: 1.75%              8,7,6,4            $5K
  FPDA         1Yr Mo Cap             1 Year Avg Index Cap: 3.25%
            1Yr Avg Index cap            Fixed Account: 1.55%
                  Fixed
                                                  $75K
              7% premium                 1 Year Pt to Pt: 4.75%                                IN issues
               bonus on all            1Year Mo Cap Index: 2.15%                              ages (0-74)
             1st yr premiums          1 Year Avg Index Cap: 5.00%
                                         Fixed Account: 2.20%

                                   See Comment for FL Income Preferred                         FL issues
                                       Bonus Pro (issue ages 65-78)                           ages (0-64)
                                                                             American National
                                                                   9th Floor One Moody Plaza Galveston, TX 77550
                                                                            AM Best A (Excellent) S&P A+

   ANICO         S&P 500    100% Participation       10 Years             0-80
Value-Lock 10    Mo. Avg.       No Cap           12,12,11,10,9,8,7,
    SPDA        3% Bonus        No Fees                6,5,3             $5k NQ
                                                                          $4k Q


   ANICO        S&P 500     75% Participation        7 Years              0-80
Value-Lock 7    Mo. Avg.        No Cap             8,8,7,6,5,4,2
   SPDA                        No Fees                                   $5k NQ
                                                                          $4k Q


   ANICO        S&P 500     100% Participation       7 Years              0-85
 Strategy 7                    3.50% Cap           7,7,6,5,4,3,2
   SPDA                       Fixed: 1.80%                               $5K NQ
                                                                          $4K Q




   ANICO        S&P 500     100% Participation       10 Years             0-85
 Strategy 10                   4.00% Cap         9,9,8,7,6,5,4,3,2,
    SPDA                      Fixed: 1.80%              1,0              $5K NQ
                                                                          $4K Q




  ANICO         S&P 500          4.00%               6 Years              0-85
Equity Index                                        8,8,7,6,4,2
  Annuity                                                                 $10K
                                                                   Americo Financial Life & Annuity Insurance Company
                                                                                New Business 300 W. 11th Street Kansas City, MO 64105
                                                                                                AM Best A- S&P A-

Ultimate One    annual reset                Option 1                      7 Years               0-85
   Index 7       S&P 500           30% pt to pt, no fee, no cap    9, 8.5, 8, 7, 6, 5, 3.8
                montly avg.                 Option 2                                           $5k NQ
                  pt to pt      100% pt to pt, no fee, 4.00% cap                                $2k Q
                                            Option 3                  TX surrender
                                  49% mo. Avg. no fee, no cap         charges vary
                                            Option 4
                                 100% mo. Avg, n/a fee, no cap
                                            Option 5
                               100% mo. Avg., no fee, 5.00% cap
                                     Fixed account 2.10%
Ultimate One    annual reset                Option 1                     9 Years                0-85
   Index 9       S&P 500           32% pt to pt, no fee, no cap      10, 9.75, 9.5, 9,
                montly avg.                 Option 2                  8.5, 8, 7, 6, 5          $5k NQ
                  pt to pt      100% pt to pt, no fee, 4.00% cap                                $2k Q
                                            Option 3
                                  52% mo. Avg. no fee, no cap                                TX max issue
                                            Option 4                                           age: 55
                                 100% mo. Avg, n/a fee, no cap
                                            Option 5
                               100% mo. Avg., no fee, 5.00% cap
                                     Fixed account 2.20%
 Ultimate One   annual reset                Option 1                     9 Years                0-80
Index 9 Bonus    S&P 500           28% pt to pt, no fee, no cap     13, 12, 11, 10, 9,
                monthly avg.                Option 2                    8, 7, 6, 5             $5k NQ
                  pt to pt      100% pt to pt, no fee, 3.50% cap                                $2k Q
                                            Option 3
                 4% Bonus         44% mo. Avg. no fee, no cap         TX surrender
                                            Option 4                  charges vary
                                 100% mo. Avg, n/a fee, no cap
                                            Option 5
                               100% mo. Avg., no fee, 4.00% cap
                                     Fixed account 2.00%



  Future        annual reset         Option 1 - S&P 500                 10 Years                0-90
  Provider       S&P 500           60% mo. Avg, 1% spread           11.6,10.7,9.9,9.0,
   Series       monthly avg.        Option 2 - Nasdaq- 100          8.1,7.2,6.3,5.3,4,         $5K NQ
    FPDA             Nasdaq              33% pt to pt, 2% spread                 2               $2K Q
                     pt to pt          Option 3 - S&P 500 w/o Cap
                                         38% pt to pt, 1% spread            Ages 86-90
                                        Option 4 - S&P 500 w/Cap         5 year surrender
                                      100% pt to pt, no fee, 3.75% cap       7,6,5,4,2
                                      Option 5 - S&P 500, EZ Option
                                                   3.50%
                                          Fixed account: 2.10%             TX surrender
                                                                           charges vary




    Future         annual reset             Option 1 - S&P 500               10 Years            0-85
   Provider         S&P 500              59% mo. Avg, 1% spread          15,14.2,13.3,12.5,
    Bonus          monthly avg.           Option 2 - Nasdaq- 100          11.6,10.7,9.9,8,      $5K NQ
    FPDA             Nasdaq              32% pt to pt, 2% spread                6,4              $2K Q
                     pt to pt          Option 3 - S&P 500 w/o Cap
                                          37% pt to pt, 1% spread
                    4% Bonus            Option 4 - S&P 500 w/Cap           TX surrender         0-82 IN
                                      100% pt to pt, no fee, 3.50% cap     charges vary
                                      Option 5 - S&P 500, EZ Option
                                                   3.25%
                                           Fixed account: 2.00%

*A.M. Best’s rating is assigned after an extensive
quantitative and qualitative evaluation of a company’s financial strength, operating performance, and market profile. A.M. B
**Standard & Poor’s rating for Americo Financial Life and Annuity Insurance Company, November 2002. Standard & Poor's uses a
Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insu
accordance with their terms. Standard & Poor's® is a trademark of The McGraw-Hill Companies, Inc., and is licensed for use by Am

                                                                                            AmerUs Life & Insurance Company
                                                                                                611 5th Ave. Des Moines, IA 50306
                                                                                                 AM Best A S&P A+ Moody's A1

  MultiChoice         pt to pt                   $5K-$74,999                  5 Years            0-83
  Income Five      mo. Pt to pt            25% Participation Rate           8, 7, 6, 5, 4
     FPDA         Uncapped Avg.              1 Yr Pt to Pt: 4.00%                                $5K
                    fixed acct              1 Yr Mo. Cap: 1.75%
                                       1yr Pt to Pt Hang Seng: 4.00%
                                       1yr Pt to Pt Euro Stoxx: 4.00%
                                                Fixed: 2.00%



                                                    $75K+
                                           25% Participation Rate
                                             1 Yr Pt to Pt: 5.50%
                                            1 Yr Mo. Cap: 2.15%
                                1yr Pt to Pt Hang Seng: 4.00%
                                1yr Pt to Pt Euro Stoxx: 4.00%
                                         Fixed: 2.65%



 MultiChoice        pt to pt              $5K-$74,999                   7 Years          0-81
Income Seven     mo. Pt to pt       25% Participation Rate         9, 8, 7, 6, 5, 4, 3
    FPDA       Uncapped Avg.         1 Yr Pt to Pt: 4.00%                                $5K
                Avg. Multiple        1 Yr Mo. Cap: 1.75%
                  fixed acct    1yr Pt to Pt Hang Seng: 4.00%
                                1yr Pt to Pt Euro Stoxx: 4.00%
                                         Fixed: 2.00%



                                             $75K+
                                    25% Participation Rate
                                      1 Yr Pt to Pt: 5.50%
                                     1 Yr Mo. Cap: 2.15%
                                1yr Pt to Pt Hang Seng: 4.00%
                                1yr Pt to Pt Euro Stoxx: 4.00%
                                         Fixed: 2.70%



MultiChoice         pt to pt              $5K-$74,999                 10 Years           0-78
Income Ten       mo. Pt to pt       25% Participation Rate         10, 9, 8, 7, 6, 5,
   FPDA        Uncapped Avg.          1 Yr Pt to Pt: 4.00%            4, 3, 2, 1         $5K
                Avg. Multiple        1 Yr Mo. Cap: 1.75%
                  fixed acct    1yr Pt to Pt Hang Seng: 4.00%
                                1yr Pt to Pt Euro Stoxx: 4.00%
                                         Fixed: 2.00%



                                              $75K+
                                     25% Participation Rate
                                       1 Yr Pt to Pt: 4.50%
                                      1 Yr Mo. Cap: 2.15%
                                1yr Pt to Pt Hang Seng: 4.00%
                                 1yr Pt to Pt Euro Stoxx: 4.00%
                                          Fixed: 2.25%



MultiChoice        pt to pt              $5K-$74,999                   10 Years          0-78
Income Plus      mo. Pt to pt       25% Participation Rate        16, 15, 14, 13, 12,
   FPDA        Uncapped Avg.          1 Yr Pt to Pt: 4.00%          11, 10, 8, 6, 4      $5K
                Avg. Multiple        1 Yr Mo. Cap: 1.75%
                  fixed acct      1yr Pt to Pt Hang Seng: 4.00%
                                  1yr Pt to Pt Euro Stoxx: 4.00%   CT,DE,MN,PA,WA
                 3% Bonus                  Fixed: 2.00%             10,9,8,7,6,5,4,
                                                                         3,2,1


                                               $75K+
                                      25% Participation Rate          TX surrender:
                                       1 Yr Pt to Pt: 5.25%        14.9,13.5,12.1,10.6,
                                       1 Yr Mo. Cap: 2.15%           9.2,7.7,6.2,4.7,
                                  1yr Pt to Pt Hang Seng: 4.00%          3.1,1.5
                                  1yr Pt to Pt Euro Stoxx: 4.00%
                                           Fixed: 2.45%



MultiChoice       S&P 500                 $5K-$74,999                   6 Years           0-80
    Six                              1 Year Pt to Pt: 2.75%          9,8,7,6,4.7,3.5
  FPDA           1Yr Pt to Pt      1Year Mo Cap Index: 1.75%                              $5K
                 1Yr Mo Cap       1 Year Avg Index Cap: 3.25%
              1Yr Avg Index cap      Fixed Account: 1.50%
                    Fixed
                                              $75K
                                     1 Year Pt to Pt: 4.50%
                                   1Year Mo Cap Index: 2.15%
                                  1 Year Avg Index Cap: 5.00%
                                     Fixed Account: 2.30%




MultiChoice       S&P 500                 $5K-$74,999                   10 Years          0-78
    Ten                              1 Year Pt to Pt: 2.75%          9.6,9,8,7,6,5,4,
  FPDA           1Yr Pt to Pt      1Year Mo Cap Index: 1.75%              3,2,1           $5K
                 1Yr Mo Cap       1 Year Avg Index Cap: 3.25%
              1Yr Avg Index cap      Fixed Account: 1.30%
                    Fixed
                                              $75K
                                     1 Year Pt to Pt: 4.50%
                                   1Year Mo Cap Index: 2.15%
                                  1 Year Avg Index Cap: 5.00%
                                     Fixed Account: 2.10%
MultiChoice        S&P 500                        $5K-$74,999                     10 Years            0-78
   Xtra                                      1 Year Pt to Pt: 3.25%          12,12,12,11,10,9,8,
  FPDA           1Yr Pt to Pt              1Year Mo Cap Index: 1.75%                7,6,4             $5K
                 1Yr Mo Cap               1 Year Avg Index Cap: 3.25%
              1Yr Avg Index cap              Fixed Account: 1.55%                                   IN issue
                    Fixed                                                                          ages 0-74
                                                      $75K
                                             1 Year Pt to Pt: 4.75%                                 FL issue
                7% premium                 1Year Mo Cap Index: 2.15%                               ages (0-64)
                bonus on all              1 Year Avg Index Cap: 5.00%
               1st yr premiums               Fixed Account: 2.20%

                                     See Comment for FL (ONLY) MultiChoice
                                           Xtra Pro (issue ages 65-78)




MultiChoice     1yr Guaranteed                   $5K-$74,999                     10 Years             0-78
Advantage            fixed                     1-Year Guarantee              16,15,14,13,12,11,
   FDPA                                      Fixed Account: 1.45%                 10,8,6,4            $5K

                 4% interest rate                    $75K
                   bonus for 1st               1-Year Guarantee                                     FL issue
                  contract year,             Fixed Account: 2.15%                                  ages (0-64)
                 must allocate all
              first year premiums
                 to fixed strategy
Strategy Key:
AIS       Annual Equity Strategy (annual reset, monthly averaging)
1YPPEIS One-Year Point-to-Point Equity Index Strategy
1YMCEIS One-Year Monthly Cap Equity Index Strategy
1YPPMIS One-Year Point-to-Point Multiple Index Strategy
1AVGM One-Year Average Multiple Index Strategy
MYES       Multi-Year Equity Strategy (2-year point-to-point)


   Products and/or strategies not approved in all states. Product features and limitations may vary by state. Withdrawals made before age 59 1/2 may be subject to an IRS tax penalty. Annuities contain limitations, including surrender charges, cap rates and a market value adjustment which may
                                                                                                 affect policy values. For agent use not intended for soliciting annuity sales from the public. A8549 (06/04)



                                                                                                                                       Annuity Investors
                                                                                                                                PO Box 5423 Cincinnati, OH 45201
                                                                                                                                      AM Best A S&P A+

     FlexMax                 Ann pt to pt                     Annual Pt to Pt:                          7 Years                18-85 Q
      FPDA                    Mo. Avg.               6.00% cap, 100% part rate, no spread             9,8,7,6,5,4,3            0-85 NQ
                                                                Monthly Avg.
                                                     6.50% cap, 100% part rate, no spread                                        $3K
                                                                                                                           Flexible/periodic
                                                           Fixed: 2.40% declared rate                                        $50/month;
                                                                                                                            $600 annually




     FlexMax                 Ann pt to pt                     Annual Pt to Pt:                          10 Years               18-85 Q
       Plus                   Mo. Avg.               5.75% cap, 100% part rate, no spread          10,9,8,7,6,5,4,3,2,1        0-85 NQ
      FPDA                                                      Monthly Avg.
                           1% Premium                6.25% cap, 100% part rate, no spread                                        $3K
                              Bonus on                                                                                     Flexible/periodic
                          all contributions                Fixed: 2.30% declared rate                                        $50/month;
                             in 1st 5 yrs.                                                                                  $600 annually
                                                                          Equitrust Life Insurance Company ®
                                                                Attn: Box 14500 5400 University Ave. West Des Moines, IA 50266
                                                                                     AM Best B+ S&P A-

Market    annual reset     1yr Mo. Avg Part Rate: 55%         14 Years             0-75
Power         pt to pt              0% Spread            20,20,19,19,18,17,
Bonus    daily averaging       pt to pt: 5.00% cap      16,14,12,10,8,6,4,2,0    $20K NQ
 Index   mo. averaging        daily avg: 6.00% cap                                $20K Q
FPDA                       Mo. Avg: bi-annual, no cap      IL Surrender:
           10% Prem            1yr Mo. Cap: 2.15%        10 Year Schedule:
             Bonus         2 yr Monthly Avg: 14% cap     17,15,14,12,10,9,
                                                              7,4,3,1
                                Fixed = 2.30%

                                                          MVA may apply




Market    annual reset     1yr Mo. Avg Part Rate: 65%         10 years             0-80
Value    bi-annual reset            0% Spread            12,12,12,12,11,10,
 Index       pt to pt          pt to pt: 6.00% cap             8,6,4,2           $10K NQ
FPDA     mo. averaging        daily avg: 7.00% cap                                $10K Q
            daily avg.     Mo. Avg: bi-annual, no cap       AK, CT, MN,
                               1yr Mo. Cap: 2.85%              UT, WA
                           2 yr Monthly Avg: 20% cap      9,8,7,6.5,5.5,4.5,
                                                           3.5,2.5,1.5,0.5
                                Fixed = 3.00%
                                                          MVA may apply




Market    annual reset     1yr Mo. Avg Part Rate: 40%         7 years              0-80
Seven    bi-annual reset             0% Spread             12,12,12,10,8
Index         pt to pt          pt to pt: 4.00% cap             6,4             $10K NQ & Q
Plus™    daily averaging      daily avg: 5.00% cap
FPDA     mo. averaging     Mo. Avg: bi-annual, no cap       AK, CT, MN,
                               1Yr Mo. Cap: 1.55%              UT, WA
                                  Fixed = 1.50%           9,8,7,6.5,5.5,4.5,
                                                                 3.5
                                                                   MVA may apply



   Market        annual reset      1yr Mo. Avg Part Rate: 50%          9 Years           0-80
  Booster       bi-annual reset             0% Spread            17.5,17.5,17.5,17.5,
   Index             pt to pt          pt to pt: 4.50% cap          17.5,13,10,8,6      $10K NQ
   FPDA         daily averaging       daily avg: 5.00% cap                               $2K Q
                mo. averaging      Mo. Avg: bi-annual, no cap
                                       1yr Mo. Cap: 2.00%
                  7% Prem                  Fixed 2.00%
                 Bonus paid                                        MVA may apply
                  over 2 yrs



MarketTwelve     Pt to pt cap      1yr Mo. Avg Part Rate: 50%        14 Years            0-75
   Bonus           Avg cap             pt to pt: 4.50% cap       20,20,19,19,18,17,
   SPDA        Avg Participation      daily avg: 5.50% cap        16,14,12,10,8,6,       $30K
                   Mo. Cap         Mo. Avg: bi-annual, 13% cap          4,2
                                       1yr Mo. Cap: 2.00%
               12% Bonus over
                   3 years:              Fixed = 2.15%
               6% on paid prem
                  2% Accum                                         MVA may apply
                 value bonus
                  added on
                 1st 3 contract
                 anniversaries


 MarketTen         Pt to Pt        1yr Mo. Avg Part Rate: 50%         10 Years           0-80
  Bonus           Avg Cap              pt to pt: 4.25% cap        10,10,10,10,10,9,
   FPDA        Avg Participation      daily avg: 4.50% cap             8,7,6,4           $30K
                 Monthly cap       Mo. Avg: bi-annual, 11% cap
                  Daily Avg            1yr Mo. Cap: 2.00%

                                         Fixed = 2.10%
                 6% Premium
                   Bonus



  Builder          Pt to pt            pt to pt: 4.25% cap             9 Years           0-80
  Bonus           Daily Avg           daily avg: 4.50% cap        9,8,7,6.5,5.5,4.5,
   FPDA          Monthly avg.      Mo. Avg: bi-annual, 11% cap       3.5,2.5,1.5         $30K

                                         Fixed = 2.10%
               6% Premium
                 Bonus

                 OR = 5%
              Premium Bonus




                                                                                  Forethought Life Insurance Company
                                                                                          Forethought Center Batesville, IN 47006-9170
                                                                                           AM Best A- (Excellent) S&P A- (Strong)

Income 125    Mo. Pt to pt cap        Low Band $25K-$99,999              10 Years               0-85
   SPDA        Mo. Avg cap               Mo. Pt to pt cap              12,12,11,10,9,
              Ann pt to pt cap                1.25%                       8,7,6,4,2             $25K
                   Fixed                  Fixed: 1.50%


                                    High Band $100K-$249,999
                                         Mo. Pt to pt cap
                                             1.50%
                                          Fixed: 1.50%


                                        Ultra Band $250K+
                                         Mo. Pt to pt cap
                                               1.75%
                                           Fixed: 1.50%


                                 Annual Death Benefit Rider Charge
                                              0.60%




Index Bonus   Mo pt to pt cap        Low Band $25K-$99,999               10 Years               0-85
    115       (annual reset)         Mo. Pt to pt cap: 1.50%         12,12,11,10,9,8,7,
   SPDA        Ann Pt to pt           Annual Pt to Pt: 3.25%               6,4,2                $25k
                                      Fixed account: 1.50%
               15% income
              bonus w/GLIB          High Band $100K-$249,999           MVA assessed
              based on initial        Mo. Pt to pt cap: 1.75%            only when
                premium               Annual Pt to Pt: 3.50%         withdrawal charges
                                       Fixed account: 1.50%             are assessed
                                        Ultra Band $250K+
                                       Mo. Pt to pt cap: 2.00%
                                       Annual Pt to Pt: 3.75%
                                       Fixed account: 1.50%


                                 Annual Guaranteed Lifetime Income
                                       Benefit Rider Charge:
                                               0.75%

                                 Annual Death Benefit Rider Charge:
                                              0.75%




                                                                                                          Great American
                                                                                                  PO Box 5423 Cincinnati, OH 45201
                                                                                                   AM Best A S&P A+ Moody's A2

 American      annual pt to pt            Annual Pt to Pt                 7 Years (0-57)          18-85 Q
 Legend II     monthly Avg.      6.75% cap, 100% part rate, no spread    12,11,10,9,8,7,6         0-85 NQ
  FPDA           Mo. Sum                    Monthly Sum
                                 2.50% cap, 100% part rate, no spread     7 Years (58+)            $10K
                                            Monthly Avg.                   9,8,7,6,5,4,3         additional
                                 7.00% cap, 100% part rate, no spread                            purchase
                                                                                                 payments
                                    Fixed: 2.60% - Declared Rate                                 accepted,
                                                                                               $2K min. Q and
                                                                                                $5K min NQ



American       daily average              Annual Pt to Pt                10 Years (58-85)         18-85 Q
 Valor II     monthly average    5.75% cap, 100% part rate, no spread    10,9,8,7,6,5,4,3,        0-85 NQ
 FPDA          annual pt to pt              Monthly Avg.                       2,1
                                 6.00% cap, 100% part rate, no spread                              $10K
              5% ages 0-57                                               12 Years (0-57)         additional
              4% ages 58-69         Fixed: 2.35% - Declared Rate         12,11,10,9,8,7,6,       purchase
              3% ages 70-85                                                  5,4,3,2,1           payments
                                                                                                 accepted,
                                                                                               $2K min. Q and
                                                                                                  $5K NQ.


Safe Return   monthly average             Annual Pt to Pt                    10 Years            18-85 Q
 Modified      annual pt to pt   6.50% cap, 100% part rate, no spread   10,9,8,7,6,5,4,3,2,1     0-85 NQ
   SPDA            fixed             Annual Pt to Pt - Bailout Cap
                                 6.00% cap, 100% part rate, no spread                              $25K
                                            Monthly Avg.
                                 6.75% cap, 100% part rate, no spread                           Issued with
                                            Monthly Avg. - Bailout Cap                             Single Premium
                                        6.25% cap, 100% part rate, no spread                             but
                                                                                                     subsequent
                                           Fixed: 2.25% - Declared Rate                               payments
                                                                                                     allowed 60
                                                                                                   days from issue
                                                                                                         only


Safe Outlook    monthly average                    $10K-$99,999                   6 Years             18-85 Q
   SPDA          annual pt to pt                  Annual Pt to Pt                9,8,7,6,5,4          0-85 NQ
                     fixed              6.25% cap, 100% part rate, no spread
                                            Annual Pt to Pt - Bailout Cap                               $10K
                                        5.75% cap, 100% part rate, no spread
                                                   Monthly Avg.
                                        6.50% cap, 100% part rate, no spread                          Issued w/
                                             Monthly Avg. - Bailout Cap                            Single Premium,
                                        6.00% cap, 100% part rate, no spread                         Subsequent
                                                                                                     allowed 1st
                                           Fixed: 2.20% - Declared Rate                              2 months of
                                                                                                   contract ONLY,
                                                      $100K+                                         min $2K Q;
                                                  Annual Pt to Pt                                      $5K NQ
                                        6.50% cap, 100% part rate, no spread
                                            Annual Pt to Pt - Bailout Cap
                                        6.00% cap, 100% part rate, no spread
                                                   Monthly Avg.
                                        6.75% cap, 100% part rate, no spread
                                             Monthly Avg. - Bailout Cap
                                        6.25% cap, 100% part rate, no spread

                                           Fixed: 2.20% - Declared Rate

 American             2% Bonus                   Annual Pt to Pt                  10 Years            18-85 Q
 Valor 10      first 3 contract years   6.50% cap, 100% part rate, no spread   10,9,8,7,6,5,4,3,      0-85 NQ
  FPDA                                             Monthly Avg.                      2,1
                                        7.00% cap, 100% part rate, no spread                            $10K

                                           Fixed: 2.35% - Declared Rate

                                                                                                    Subsequent
                                                                                                     purchase
                                                                                                     payments:
                                                                                                       $2K Q
                                                                                                      $5K NQ
                                                                                    909 Locust St Des Moines, IA 50309
                                                                 AM Best A (Excellent) S&P A (Strong) Moody's A2 (Good) Fitch A- (Strong)

Secure Index     pt to pt      Point to Point Index Strategy         10 Years         0-80
  Outlook       mo avg.        $15k band: 100% participation      10,9,8,7,6,5,4,3,
   SPDA        Monthly Cap          no fees, 4.00% cap                  2,1           $15K
                               $75k band: 100% participation
                                    no fees, 5.25% cap
               3% Bonus        Monthly Cap Index Strategy
                               $15k band: 100% participation
                                  1.65% cap, no spread
                               $75k band: 100% participation
                                  2.15% cap, no spread
                               Monthly Avg Index Strategy
                               $15k band: 100% participation
                                  no cap, 6.75% spread
                               $75k band: 100% participation
                                  no cap, 5.00% spread

                                  Fixed Account: 2.15%




Secure Five      pt to pt              Without ROP                    5 Years         0-80
  FPDA          mo avg.      Point to Point Cap Index Strategy    8,7.5,6.5,5.5,4.5
               Monthly Cap     $15k band: 100% participation                          $15K
                                     no fees, 3.75% cap
                               $75k band: 100% participation
                                    no fees, 5.00% cap
                               Monthly Cap Index Strategy
                               $15k band: 100% participation
                                   1.50% cap, no spread
                               $75k band: 100% participation
                                   1.95% cap, no spread
                               Monthly Avg Index Strategy
                               $15k band: 100% participation
                                   no cap, 7.50% spread
                               $75k band: 100% participation
                                   no cap, 5.75% spread

                                  Fixed Account: 2.10%
Secure Seven      pt to pt       Point to Point Cap Index Strategy        7 Years               0-80
   FPDA          mo avg.           $15k band: 100% participation        Ages (0-55)
                Monthly Cap              no fees, 5.50% cap           10,10,10,10,9,8,7         $15k
                                   $75k band: 100% participation
                                         no fees, 7.00% cap             Ages (56-80)
                                                                        9,8,7,6,5,4,3
                                   Monthly Cap Index Strategy
                                   $15k band: 100% participation
                                      2.15% cap, no spread
                                   $75k band: 100% participation
                                      2.65% cap, no spread

                                   Monthly Avg Index Strategy
                                   $15k band: 100% participation
                                      no cap, 4.75% spread
                                   $75k band: 100% participation
                                      no cap, 3.50% spread

                                      Fixed Account: 2.90%



  Secure          pt to pt       Point to Point Cap Index Strategy        10 Years              0-80
Opportunities    mo avg.           $15k band: 100% participation      10,10,10,10,9,8,7,
   SPDA         Monthly Cap              no fees, 4.00% cap                 6,5,4               $15k
                                   $75k band: 100% participation
                                         no fees, 5.25% cap                The bonus
                 5% Bonus           Monthly Cap Index Strategy        recapture is a % of   IN max issue
                                   $15k band: 100% participation      AV surrendered that      age 75
                                        1.65% cap, no spread            is associated w/
                                   $75k band: 100% participation     the bonus & declines
                                        2.15% cap, no spread                over time:
                                    Monthly Avg Index Strategy         100%,100%,80%,
                                   $15k band: 100% participation       80%, 60%, 60%,
                                        no cap, 6.75% spread           40%, 40%, 20%,
                                   $75k band: 100% participation              20%
                                       no cap, 5.00% spread

                                      Fixed Account: 2.15%




  Envoy 6       pt to pt w/cap             $15K-$74,999                   6 Years               0-80
   FPDA         annual reset            Pt to Pt: 2.75% cap              9,9,9,9,8,7
                     Fixed            Fixed: 2.25%                                 $15K NQ
                                                          MVA may increase          $10K Q
                                                           or decrease AV
                                           $75K+
                                    Pt to Pt: 4.25% cap
                                       Fixed: 2.25%




  Envoy 9        pt to pt w/cap        $15K-$74,999            9 Years               0-80
   FPDA          annual reset       Pt to Pt: 4.75% cap    9,9,9,9,8,7,6,5,4
                      Fixed            Fixed: 3.10%                                $15K NQ
                                                          MVA may increase          $10K Q
                                                           or decrease AV
                                           $75K+
                                    Pt to Pt: 6.25% cap
                                       Fixed: 3.10%




                                                                                Jackson National Life Insurance
                                                                                   1 Corporate Way Lansing, MI 48951
                                                                                AM Best A+ Fitch AA S&P AA Moody's A1

AscenderPlus   Ann reset Mo Avg         <$100K             7 Years (0-80)            0-88
  Select 7     Ann reset pt to pt     S&P 500 Index       10,9.5,8.5,7.5,6.5,
   SPDA        Ann reset Mo Sum      100% Participation Rate     5.5,4.5,4,3,2        $5K Q
                     Fixed          5.00% ann reset mo Avg                           $10K NQ
                                    3.00% ann reset Pt to Pt        (81-88)
                                    1.05% ann reset Mo Sum      6.25,5.5,4.5,3.5,
                                      Multi-Strategy Index       2.75,1.75,0.75
                                     100% Participation Rate
                                    4.00% ann reset mo Avg
                                    3.00% ann reset Pt to Pt
                                    1.00% ann reset Mo Sum
                                         Fixed: 1.45%

                                             $100K+
                                        S&P 500 Index
                                     100% Participation Rate
                                    5.00% ann reset mo Avg
                                    3.00% ann reset Pt to Pt
                                    1.20% ann reset Mo Sum
                                      Multi-Strategy Index
                                     100% Participation Rate
                                    4.00% ann reset mo Avg
                                    3.00% ann reset Pt to Pt
                                    1.15% ann reset Mo Sum
                                         Fixed: 1.75%

                                         OR rates differ


AscenderPlus   Ann reset Mo Avg              <$100K             10 Years (0-80)       0-85
  Select 10    Ann reset pt to pt       S&P 500 Index          10,9.5,8.5,7.5,6.5,
   SPDA        Ann reset Mo Sum      100% Participation Rate      5.5,4.5,4,3,2       $5K Q
                     Fixed          5.00% ann reset mo Avg                           $10K NQ
                                    3.00% ann reset Pt to Pt        (81-85)
                                    1.10% ann reset Mo Sum      8.5,7.75,7,6.25,
                                      Multi-Strategy Index     5.5,4.5,3.75,1.75,
                                     100% Participation Rate          0.75
                                    4.50% ann reset mo Avg
                                    3.00% ann reset Pt to Pt
                                    1.00% ann reset Mo Sum
                                         Fixed: 1.50%

                                             $100K+
                                        S&P 500 Index
                                     100% Participation Rate
                                    5.00% ann reset mo Avg
                                    3.50% ann reset Pt to Pt
                                    1.30% ann reset Mo Sum
                                      Multi-Strategy Index
                               100% Participation Rate
                              4.50% ann reset mo Avg
                              3.50% ann reset Pt to Pt
                              1.20% ann reset Mo Sum
                                   Fixed: 1.80%

                                   OR rates differ




                                                                         Lafayette Life Insurance Company
                                                                         1905 Teal Rd. PO Box 7007 Lafayette, IN 47903
                                                                                AM Best A+ Fitch AA S&P AA+

 Marquis       Ann Pt to Pt       Annual Pt to Pt          3 Years              0-85
Centennial 3    Mo. Avg              1.50%                  7,5,3
   FPDA         Mo. Cap          Monthly Average                                $1K
                 Fixed               1.50%
                                   Monthly Cap
                                     1.00%
                                      Fixed
                                     1.50%




 Marquis       Ann Pt to Pt       Annual Pt to Pt         5 Years               0-85
Centennial 5    Mo. Avg              3.50%                8,7,6,4,2
   FPDA         Mo. Cap          Monthly Average                                $1K
                 Fixed               3.75%
                                   Monthly Cap
                                     1.75%
                                      Fixed
                                     1.85%




 Marquis       Ann Pt to Pt       Annual Pt to Pt          7 Years              0-85
Centennial 7    Mo. Avg              4.50%               8,7,6,5,4,3,2
   FPDA         Mo. Cap          Monthly Average                                $1K
                    Fixed                 5.25%
                                        Monthly Cap
                                          2.10%
                                          Fixed
                                          2.35%




  Marquis        Ann Pt to Pt          Annual Pt to Pt            10 Years         0-85
Centennial 10     Mo. Avg                 5.25%              9,9,8,7,6,5,4,3,2,1
   FPDA           Mo. Cap             Monthly Average                              $1K
                   Fixed                  6.00%
                                        Monthly Cap           Premium bonus
                                          2.35%                 subject to a
                Premium bonus              Fixed             Vesting Schedule &
                  rider = 5%              2.60%              possible recapture.
                   of the net
                premiums paid     With Premium Bonus Rider
                 during the 1st         Annual Pt to Pt
                   180 days.               3.50%
                                       Monthly Average
                                           4.25%
                                         Monthly Cap
                                           1.75%
                                            Fixed
                                           1.85%
                                                                                       Legacy Marketing Group
                                                                   Marketing Servies: 2090 Marina Ave. Petaluma, CA 94954-6714
                                                              Administrative Services (new business): 777 Research Dr. Lincoln, NE 68501

AmeriMark   annual pt to pt      Step Forward Strategy:            Amerimark             0-85
 Freedom    monthly pt to pt    All 100% Participation Rate         Freedom
  (FPDA)    Step Forward            Freedom: 8.00% cap              12 Years            $3k Q
                Fixed            Freedom SE: 6.00% cap          13.5, 12.5, 11.5,      $5K NQ
                                  Freedom 7: 7.75% cap          10.5, 10,9,8,7,6,
                                Freedom 7 SE: 5.50% cap               5,4,2
             Amerimark                                            Amerimark
            Freedom SE:        S&P One year point to point        Freedom SE         FL issue ages
            4.00% Bonus         All 100% Participation Rate         12 Years              0-64
                                    Freedom: 5.50% cap        13.75, 12.75, 11.75,
              Amerimark          Freedom SE: 5.00% cap         11,10,9,8,7,6,5,4,2
            Freedom 7 SE:         Freedom 7: 5.25% cap            Amerimark
             2.50% Bonus        Freedom 7 SE: 4.25% cap            Freedom 7
                                                                  9,8,7,6,5,4,3
                                     S&P Monthly Cap               Amerimark
                                All 100% Participation Rate      Freedom 7 SE
                                    Freedom: 2.50% cap            9,9,8,7,6,5,4
                                 Freedom SE: 2.25% cap
                                  Freedom 7: 2.50% cap
                                Freedom 7 SE: 2.00% cap

                                 S&P 500 - 2yr Mo. Avg.
                               All 100% Participation Rate
                                  Freedom: 15.00% cap
                                Freedom SE: 13.00% cap
                                 Freedom 7: 15.00% cap
                               Freedom 7 SE: 11.00% cap

                                  Guaranteed One-Year
                                     Freedom: 2.50%
                                   Freedom SE: 2.25%
                                    Freedom 7: 2.50%
                                  Freedom 7 SE: 2.00%
 BenchMark        annual pt to pt               No Bonus                       10 Years              0-85
     500          annual pt to pt        S&P 1 yr pt to pt w/cap          12.5,11.5,10.5,9.5,
 Ten and Ten      with Part. Rate      100% part. Rate, 4.50% cap             8,7,6,5,4,2           $3K Q
    Plus                               S&P 1 yr pt to pt w/ Part. Rate                             $5K NQ
    FPDA          6% Bonus on             no cap, 30% part rate                 10 Plus
                    Ten Plus                  Fixed: 1.50%                  16.5,16.5,15.5,
                                                                           14.5,13,12,11,10,
                                                6% Bonus                          9,7
                                           S&P 1 yr pt to pt w/cap
                                         100% part rate, 4.00% cap
                                        S&P 1 yr pt to pt w/part. Rate
                                             no cap, 25% part.
                                               Fixed: 1.50%

 BenchMark        1yr Pt to Pt w/       S&P500 1 yr Pt to Pt w/Cap             Ten SE                0-85
    500                cap                  100% Participation            12.5,11.5,10.5,9.5,
  Ten SE,         1yr Pt to Pt w/          Ten SE: 4.25% cap                 8,7,6,5,4,2,0         Q $3K
 SE5, & SE8        Participation          Ten SE 5: 3.50% cap                                      NQ $5K
                   2yr Mo Avg.            Ten SE 8: 2.75% cap              Ten SE 5 & SE 8
                  5yr Pt to pt w/    S&P500 1 yr Pt to Pt w/Par. Rate     16.5,16.5,15.5,14.5,
                   Participation     Ten SE: no cap; 20% participation     13,12,11,10,9,7,0     FL issue ages
                                    Ten SE 5: no cap; 20% participation                               0-64
                    Ten SE 5:       Ten SE 8: no cap; 20% participation
                    5% bonus            S&P500 2yr Mo. Avg w/Cap
                                            100% Participation
                    Ten SE 8:              Ten SE: 11.00% cap
                    8% bonus               Ten SE 5: 800% cap
                                          Ten SE 8: 6.50% cap
                                      S&P500 5yr Pt to Pt w/Par Rate
                                     Ten SE: no cap; 40% participation
                                    Ten SE 5: no cap; 25% Discontinued
                                    Ten SE 8: no cap; 20% participation
                                                  Fixed
                                              Ten SE: 2.10%
                                             Ten SE 5: 1.60%
                                             Ten SE 8: 1.50%


 PremierMark      Blended Index             S&P 500 Mo. Avg                PremierMark SE         No Bonus
 SE, SE Plus,     Gold Strategy           100% Participation Rate          12,12,12,12,11,          0-85
  SE Plus 10       ann pt to pt         PremierMark SE: 4.50% cap              10,9,8,6
                     Mo. Avg           PremierMark SE Plus : 3.50%                                   Plus
                    1yr pt to pt      PremierMark SE Plus 10: 3.00%        PremierMark SE            0-80
Underwritten by    1yr Mo. Avg           S&P 500 Annual Pt to Pt                 Plus
    Investors                             120% Participation Rate          18,17,16,15,14,         Plus 10
   Insurance                             PremierMark SE: 4.00%                13,12,10,8            0-80
  Corporation                          PremierMark SE Plus: 3.50%
Wilmington, DE      7% Bonus          PremierMark SE Plus 10: 3.00%        PremierMark SE          $5K NQ
a member of   PremierMark Plus          Gold: Annual Pt to Pt               Plus 10              $3K Q
SCOR Global         SE                 100% Participation Rate          18,18,17,16,15,
    Life                               PremierMark SE: 4.50%              14,13,11,9
                                     PremierMark SE Plus: 3.50%                               FL issue ages
                10% Bonus          PremierMark SE Plus 10: 3.00%            +/- MVA                0-64
              PremierMark SE          Blended Index: Mo. Avg
                  Plus 10              100% Participation Rate
                                   PremierMark SE: 10.90% spread
                                 PremierMark SE Plus: 10.95% spread
                                 PremierMark SE Plus 10: 11% spread
                                               Fixed
                                       PremierMark SE: 1.60%
                                     PremierMark Plus SE: 1.55%
                                   PremierMark SE Plus 10: 1.50%




AdvanceMark    Step Forward            Step Forward Strategy               10 Years             0-85 NQ
     8          ann pt to pt          100% Participation Rate           10,10,10,10,9,8         18-85 Q
   FPDA         mo pt to pt                  5.00% cap                      7,6,4,2
                 Mo. Avg            S&P 500 1-Yr Annual Pt to Pt                                  $10K
               2yr Mo. Avg.           100% Participation Rate
                   Fixed                     4.00% cap
                                    S&P 500 1-Yr Monthly Pt to Pt      AdvanceMark LT
                                      100% Participation Rate         TX & WA Surrender
                 6% vesting                  2.00% cap                 9,9,8,7,6,5,4,3,2,1
               premium bonus         S&P 500 1-Yr Monthly Avg.
                                      100% Participation Rate
                                             4.25% cap
                                     S&P 500 2-Yr Monthly Avg.
                                      100% Participation Rate
                                              10% cap

                                    Fixed Interest Option: 1.50%




                                                                          Life Insurance Company of the Southwest (LSW)
                                                                                             1300 W. Mockingbird Ln. Dallas, TX 75247
                                                                                                  AM Best A S&P A Moody's A2

  Secure          pt to pt           2.60% int: declared int. acct          10 year               0-85
  Plus     dail avg     60% part rate: avg index acct      10,9,8,7,6,
 Gold      declared       100% ending index acct.          5,4,3,2,1,0        $5K NQ
 FPDA                            5.50% cap                                     $3K Q
                            Renewed Annually            Surrender charges
                                                        vary for UT & WA
                                                                            $100/month




 Secure     Annual            100% Pt to Pt                  15 Year           0-80
  Plus      Reset/             6.75% Cap                 14,14,13,12,11,
Platinum   Pt. to Pt.     3.00% declared int acct         10,9,8,7,6,5,4,      $3K Q
 FPDA      declared       80% part. Daily average            3,2,1,0          $5K NQ
                            Renewed Annually

                                                                            $100/Month


                                                                            IL, TX, & UT
                                                                             max age is
                                                                                 53

                                                                              FL 0-64




Secure      annual                Pt to Pt                   7 year             0-89
 Plus       pt to pt    100% Part. Rate, 4.25% Cap        8,8,7,6,5,4,2
Silver     daily avg           Daily Average                                   $3k Q
FPDA                      50% Part. Rate, No Cap                              $5K NQ
                           Fixed Account: 2.05%
SecurePlus    annual reset               S&P 500                  9 Year                0-85
 Premier 3      ratchet             Pt to Pt Option 1         8.25,8.25,7.25,
   SPDA         pt to pt       100% Part. Rate, 4.10% cap     6.25,5,4,3,2,1        $10K Q & NQ
                                    Pt to Pt Option 2
                               50% Part. Rate, 5.00% cap
             3% immediate            Pt to Daily Avg
             interest bonus/     50% Part. Rate, N/A cap
                  credit
                                     Russell 2000
                                   Pt to Pt Option 1
                               100% Part. Rate, 4.00% cap
                                   Pt to Pt Option 2
                               50% Part. Rate, 4.50% cap
                                     Fixed: 1.95%

SecurePlus    annual reset               S&P 500                 12 Years               0-80
 Premier 8      ratchet             Pt to Pt Option 1        10,10,10,9,8,7,6,
   SPDA         pt to pt       100% Part. Rate, 4.00% cap        5,4,3,2,1              $10K
                                    Pt to Pt Option 2
             3% immediate      50% Part. Rate, 4.75% cap
             interest bonus/         Pt to Daily Avg
                  credit         50% Part. Rate, N/A cap
                 5% BAV
                                     Russell 2000
                                   Pt to Pt Option 1
                               100% Part. Rate, 4.00% cap
                                   Pt to Pt Option 2
                               50% Part. Rate, 4.50% cap
                                     Fixed: 1.95%

SecurePlus    annual reset               S&P 500                 10 Years               0-80
Premier 10      ratchet             Pt to Pt Option 1       12,12,11,10,9,8,7,6,
  SPDA          pt to pt       100% Part. Rate, 4.00% cap           5,3                 $10K
                                    Pt to Pt Option 2
             10% Bonus AV      140% Part. Rate, 3.75% cap        Varies in
               at issue.             Pt to Daily Avg        AK, AL, CA, DE, IL,
                                 50% Part. Rate, N/A cap          MN, UT           AK, AL, CA, DE,
                                                                                    IL, MN & TX
                                     Russell 2000                                       0-57
                                   Pt to Pt Option 1
                               100% Part. Rate, 4.00% cap                             FL 0-64
                                   Pt to Pt Option 2
                               140% Part. Rate, 3.75% cap
                                     Fixed: 2.45%


SecurePlus   annual pt to pt            Pt to Pt                 15 Years               0-80
Accumulator 5     annual pt to          100% Part. Rate, 6.00% Cap             14,14,13,12,11,
   SPDA            daily avg.                  Daily Average                    10,9,8,7,6,5,            $15K
                                          70% Part. Rate, No Cap                   4,3,2,1
                                           Fixed Account: 2.70%                                         FL 0-64
                 5% immediate                                                                           TX 0-53
                 interest bonus/
                      credit




                                                                                                                  Lincoln Benefit
                                                                                                        2940 S. 84th St Lincoln, NE 68504
                                                                                                        AM Best A+ S&P AA- Moody's A1

   Saver's        annual reset                   Option 1:                        10 Years              Owner:
   Index            ratchet                 S&P500: 60% part.                10,10,9,9,8,8,7,6,4,2       0-90
  Annuity III       pt to pt                    3.25% cap                                              Annuitant:
                                                 Option 2:                                               0-85
                                            S&P500: 100% part.
                                                3.00% cap                                                $10K




                                                                                                        Lincoln Financial Group
                                                                                                     2001 Market St. 4th Floor Philadelphia, PA 19103
                                                                                                   AM Best A+ S&P AA- Moody's A2 Fitch A+

New Directions    2 yr pt to pt          2.45% (6-yr fixed int. rate)              6 Years                0-85
      6          Perf. Triggered              Fixed Account                    9,8,7,6,4.75,3.5
                      Fixed                                                                              $10K
                                           4.25% (specified rate)
                                             Performance Trig.
                                              Indexed Account

                                        *10.25% (Indexed Int. Cap),
                                               2-Year Pt-to-Pt
                                             Indexed Account
                                      Rates differ for higher prem amts

                                   Performance Trigger not available in WA


New Directions    2 yr pt to pt          2.70% (8-yr fixed int. rate)              8 Years                0-85
      8          Perf. Triggered              Fixed Account                    9,8,7,6,4.75,3.5,
                      Fixed                                                         2,0.75               $10K
                                          4.70% (specified rate)
                                            Performance Trig.
                                             Indexed Account

                                       *11.45% (Indexed Int. Cap),
                                              2-Year Pt-to-Pt
                                            Indexed Account
                                     Rates differ for higher prem amts

                                  Performance Trigger not available in WA


OptiPoint 8      2% Premium             *9.20% (Indexed Int. Cap),               8 Years           0-85
               Bonus (<$100K)                 2- Year Pt-to-Pt                9,8,7,6,5,4,3,2
                applies yrs 1-3              Indexed Account                                      $5K NQ
                                                                                                   $2K Q
                 3% Premium               3.25% (Monthly Cap),
               Bonus (>$100K)              2-Year Monthly Cap
                applies yrs 1-3              Indexed Account

                                        2.25% (1-yr fixed int. rate)
                                             Fixed Account

                                          3.90% (specified rate)
                                            Performance Trig.
                                             Indexed Account




OptiPoint 10     3% Premium             *9.20% (Indexed Int. Cap),              10 Years           0-80
               Bonus (<$100K)                 2- Year Pt-to-Pt               10,9,8,7,6,5,4,3,
                applies yrs 1-4              Indexed Account                       2,1            $5K NQ
                                                                                                   $2K Q
                 4% Premium               3.25% (Monthly Cap),
               Bonus (>$100K)              2-Year Monthly Cap
                applies yrs 1-4              Indexed Account

                                        2.25% (1-yr fixed int. rate)
                                             Fixed Account

                                          3.90% (specified rate)
                                            Performance Trig.
                                             Indexed Account


OptiPoint 12     4% Premium             *8.05% (Indexed Int. Cap),              12 Years           0-75
               Bonus (<$100K)                 2- Year Pt-to-Pt              12,11,10,9,8,7,6,5,
                applies yrs 1-5              Indexed Account                     4,3,2,1          $5K NQ
                                                                                                   $2K Q
                 5% Premium             3.25% (Monthly Cap),
               Bonus (>$100K)            2-Year Monthly Cap
                applies yrs 1-5            Indexed Account

                                      2.00% (1-yr fixed int. rate)
                                           Fixed Account

                                        3.50% (specified rate)
                                          Performance Trig.
                                           Indexed Account


OptiChoice 5      1 yr pt to pt        100% Participation Rate          5 Years         0-85
               1 yr Mo. Pt to pt             1 Yr. Pt to Pt:            9,8,7,6,5
                 1 yr Mo. Avg             3.20% cap, no fee                            $5K NQ
                     Fixed                1 Yr. Mo. Pt. to Pt:                          $2K Q
                                          1.70% Cap, no fee
                                        1 Yr. Monthly Average:
                                        6.35% Spread, no cap
                                             Fixed: 1.75%
                                   Rates differ for higher prem amts




OptiChoice 7      1 yr pt to pt        100% Participation Rate           7 Years        0-85
               1 yr Mo. Pt to pt             1 Yr. Pt to Pt:           9,8,7,6,5,4,3
                 1 yr Mo. Avg             3.50% cap, no fee                            $5K NQ
                     Fixed                1 Yr. Mo. Pt. to Pt:                          $2K Q
                                          1.80% Cap, no fee
                                        1 Yr. Monthly Average:
                                        5.90% Spread, no cap
                                             Fixed: 1.90%
                                   Rates differ for higher prem amts




OptiChoice 9     1 yr pt to pt         100% Participation Rate           9 Years        0-80
                1 yr Mo. Pt to pt             1 Yr. Pt to Pt:            9,8,7,6,5,4,3,2,1
                  1 yr Mo. Avg             4.45% cap, no fee                                       $5K NQ
                      Fixed                1 Yr. Mo. Pt. to Pt:                                     $2K Q
                                          2.15% Cap, no fee
                                        1 Yr. Monthly Average:
                                        4.65% Spread, no cap
                                              Fixed: 2.35%
                                    Rates differ for higher prem amts




                                                                                                           National Western
                                                                                             850 East Anderson Lane Austin, TX 78752-1602
                                                                                                 AM Best A (Excellent) S&P A (Strong)

Ultra Classic   Ann Ratchet w/        Annual Ratchet w/Mo. Avg               13 Years           0-80 Annuitant
    FPDA           Mo Avg              65% Participation Rates           15,14.75,14,13,         0-85 Owner
                Ann Ratchet w/          0.40% 1st yr Asset Fee          12.25,11.25,10.50,
                  Mo. Cap             Annual Ratchet w/Mo. Cap           9.75,8.75,8,6,4,2
                    Fixed                   2.25% Mo. Cap                                          $5K NQ
                                                                                                    $2K Q
                                             2.95% - Fixed                TX Surrender
                                                                          charges differ
                                                                                                   TX 0-57
                                                                                                 Annuitant;
                                                                                                 0-85 Owner



Ultra Benefit   Ann Ratchet w/        Annual Ratchet w/Mo. Avg              14 Years                0-85
    FPDA           Mo Avg              65% Participation Rates          16,16,15.75,15,14,
                Ann Ratchet w/         0.90% 1st yr Asset Fee           13.25,12.50,11.50,        $5K NQ
                  Mo. Cap             Annual Ratchet w/Mo. Cap           10.75,10,8,6,4,2          $2K Q
                    Fixed                  1.00% Mo. Cap

                Premium Bonus                1.55% - Fixed                TX Surrender             TX 0-56
                   5% yr 1                 6.63% 1st yr Yield             charges differ
                  4% yrs 2-5
Ultra Future   Ann Ratchet w/      Annual Ratchet w/Mo. Avg            15 Years          0-80 Annuitant
   FPDA           Mo Avg            65% Participation Rates       19.25,18.50,17.75,      0-85 Owner
               Ann Ratchet w/        0.40% 1st yr Asset Fee        16.75,16,15.25,
                 Mo. Cap           Annual Ratchet w/Mo. Cap       14.50,13.50,12.75,       $5K NQ
                   Fixed                 2.25% Mo. Cap               12,10,8,6,4,2          $2K Q

                                         2.55% - Fixed            Surrender charges        TX 0-55
               Premium Bonus           12.81% 1st yr Yield        differ: DE, IL, IN,      Annuitant;
                  10% yr 1                                        MA, MN, NJ, PA,         0-85 Owner
                4.75% yrs 2-5                                       TX, UT, & WA




 Global        Ann Ratchet w/              Option A                    9 Years               0-80
Lookback          Mo Avg        Annual Ratchet with Monthly Avg     9.25,8.25,7.25,
  FPDA             Fixed             70% Participation Rate         6.25,5,4,3,2,1         $5K NQ
                                      1.65% 1-yr Asset Fee                                  $2K Q
                                           Option D
                                Annual Ratchet with Monthly Cap
                                    2.25% 1st yr monthly cap
                                           Option J
                                Annual Ratchet with Annual Cap
                                    5.00% 1st yr annual cap
                                           Option K
                                Annual Ratchet with Monthly Avg
                                     65% Participation Rate
                                      1.50% 1-yr Asset Fee

                                    2.25% - Fixed (Option B)

Ultra Value    Ann Ratchet w/      Annual Ratchet w/Mo. Avg             9 Years          0-80 Annuitant
   FPDA           Mo Avg            65% Participation Rates       9.25,8.25,7.25,6.25,    0-85 Owner
               Ann Ratchet w/        0.40% 1st yr Asset Fee             5,4,3,2,1
                 Mo. Cap           Annual Ratchet w/Mo. Cap                                $5K NQ
                   Fixed                 2.50% Mo. Cap                                      $2K Q

                                         3.00% - Fixed
               Premium Bonus           5.06% 1st yr Yield
                  2% 1st yr
                 2% yrs 2-5



  Liberty       Ann Reset w/      Annual Ratchet w/Mo. Avg             9 Years              0-75 Q
  Classic         Mo Avg            65% Participation Rates       12,12,12,12,12,12,       0-85 NQ
   FPDA                             0.90% 1st yr Asset Fee               9,6,3
                Ann Reset w/     Annual Ratchet w/Mo. Pt to pt                              $2K Q
                 Mo pt to pt             1.00% Cap                                          $5K NQ
                Fixed
                                    2.00% - Fixed




 Liberty     Ann Reset w/    Annual Ratchet w/Mo. Avg           12 Years          0-75 Q
Challenge      Mo Avg          65% Participation Rates      15,15,15,15,15,15,   0-85 NQ
  FPDA                         0.90% 1st yr Asset Fee         15,15,12,9,6,3
             Ann Reset w/   Annual Ratchet w/Mo. Pt to pt                        $2K Q
              Mo pt to pt           1.00% Cap                                    $5K NQ
                Fixed
                                    2.00% - Fixed
            Premium Bonus         4.04% 1st yr Yield
               2% 1st yr




 Liberty     Ann Reset w/    Annual Ratchet w/Mo. Avg            15 Years         0-75 Q
Champion       Mo Avg          65% Participation Rates      20,20,20,20,20,20,   0-85 NQ
  FPDA                         0.90% 1st yr Asset Fee        18,16,14,12,10,8,
             Ann Reset w/   Annual Ratchet w/Mo. Pt to pt          6,4,2         $2K Q
              Mo pt to pt           1.00% Cap                                    $5K NQ
                Fixed
                                    2.00% - Fixed
            Premium Bonus         7.10% 1st yr Yield
               5% 1st yr
Impact 7      Ann ratchet w/Mo                 Option A                    7 Years          0-80 Annuitant
 FPDA                Avg.           Annual Ratchet with Monthly Avg    10,10,10,9,8,7,6      0-85 Owner
              Ann ratchet w/Mo.          80% Participation Rate
                     Cap                  0.75% 1-yr Asset Fee                                 $5K NQ
            Ann ratchet w/Ann Cap              Option D                                         $2K Q
                    Fixed           Annual Ratchet with Monthly Cap
                                        2.25% 1st yr monthly cap
               5% Prem Bonus                   Option J
              subject to 10 year    Annual Ratchet with Annual Cap
              Vesting Schedule          5.00% 1st yr annual cap
                                               Option K
                                    Annual Ratchet with Monthly Avg
                                         65% Participation Rate
                                          1.30% 1-yr Asset Fee

                                        2.75% - Fixed (Option B)



Impact 10     Ann ratchet w/Mo                 Option A                    10 Years         0-80 Annuitant
  FPDA               Avg.           Annual Ratchet with Monthly Avg   10,10,10,10,10,9,8,    0-85 Owner
              Ann ratchet w/Mo.          75% Participation Rate              6,4,2
                     Cap                  0.90% 1-yr Asset Fee                                 $5K NQ
            Ann ratchet w/Ann Cap              Option D                                         $2K Q
                    Fixed           Annual Ratchet with Monthly Cap
                                        2.00% 1st yr monthly cap
               7% Prem Bonus                   Option J
              subject to Vesting    Annual Ratchet with Annual Cap
                  Schedule              4.50% 1st yr annual cap
                                               Option K
                                    Annual Ratchet with Monthly Avg
                                         65% Participation Rate
                                          1.75% 1-yr Asset Fee

                                        2.50% - Fixed (Option B)




                                                                      North American Company for Life & Health Insurance
                                                                                       4350 Westown Pkwy West Des Moines, IA 50266
                                                                                          AM Best A+(Superior) S&P A+(Strong)

 Charter           pt to pt                    S&P 500:                    7 Years              0-85
Series 7                        3.15% daily avg        10,9,8,7,6,4,2,0
 FPDA        daily avg           2.80% pt to pt                            $10K NQ
                               1.50% mo pt to pt                            $2K Q
            mo. Pt to Pt             DJIA:
                                3.00% daily avg
                                 2.50% pt to pt
                              S&P MidCap 400:
                                2.55% daily avg
                                 2.35% pt to pt
                                 Russell 2000:
                                2.45% daily avg
                                 2.30% pt to pt
                                   NASDAQ:
                                 2.30% pt to pt
                               1.35% mo pt to pt
                              DJ EuroSTOXX 50:
                                 2.60% pt to pt
                           Hindsight Index Strategy
                                    2.05%
                                    Fixed:
                                    1.35%




 Charter      pt to pt             S&P 500:               10 Years           0-79
Series 10                       4.60% daily avg       15,14,13,12,11,10,
  FPDA       daily avg           4.05% pt to pt            8,6,4,2,0       $10K NQ
                               2.05% mo pt to pt                            $2K Q
            mo. Pt to Pt             DJIA:              TX surrender
                                4.50% daily avg         charges differ
            5% Bonus             3.85% pt to pt                             TX issue
                              S&P MidCap 400:                              ages 0-55
                                4.00% daily avg
                                 3.65% pt to pt
                                 Russell 2000:
                                3.80% daily avg
                                 3.55% pt to pt
                                   NASDAQ:
                                 3.50% pt to pt
                               1.85% mo pt to pt
                              DJ EuroSTOXX 50:
                                 4.00% pt to pt
                           Hindsight Index Strategy
                                    3.25%
                                    Fixed:
                                    2.00%
                                  7.10% First yr Yield



 Charter      pt to pt                 S&P 500:                    14 Years          0-75
Series 14                           5.50% daily avg             18,18,17,15,15,
  FPDA       daily avg               4.65% pt to pt            15,15,14,12,10,8,   $10K NQ
                                   2.30% mo pt to pt                6,4,2,0         $2K Q
            mo. Pt to Pt                 DJIA:
                                    5.50% daily avg             TX surrender
                                     4.40% pt to pt             charges differ     Max issue
            10% Bonus             S&P MidCap 400:                                  age for CA
                                    4.55% daily avg                                    65
                                     4.20% pt to pt
                                     Russell 2000:
                                    4.40% daily avg                                 TX issue
                                     4.10% pt to pt                                ages 0-51
                                       NASDAQ:
                                     4.05% pt to pt
                                   2.05% mo pt to pt
                                  DJ EuroSTOXX 50:
                                     4.60% pt to pt
                               Hindsight Index Strategy
                                         3.80%
                                         Fixed:
                                         2.30%
                                 12.53% First yr Yield



Precision     pt to pt                  S&P 500:                   7 Years           0-85
 Series 7                      35% daily avg; 25% pt to pt      10,9,8,7,6,4,2
  FPDA       daily avg             1.50% mo pt to pt                               $10K NQ
                                          DJIA:                                     $2K Q
             no bonus         40% daily avg.; 25% pt to pt
                                   S&P MidCap 400:
                               25% daily avg; 20% pt to pt
                                     Russell 2000:
                              20% daily avg.; 15% pt to pt
                                       NASDAQ:
                             20% pt to pt; 1.35% mo pt to pt
                                  DJ EuroSTOXX 50:
                                      20% pt to pt
                               Hindsight Index Strategy
                                           15%
                                 S&P 500 Annual Cap:
                                          4.50%
                           Hindsight Index Strategy Ann Cap
                                          4.00%
                                     4.00% pt to pt
                                       Fixed:
                                       1.35%




Precision     pt to pt                S&P 500:                   10 Years           0-79
Series 10                   50% daily avg; 40% pt to pt      15,14,13,12,11,10
  FPDA       daily avg           2.05% mo pt to pt                8,6,4,2         $10K NQ
                                        DJIA:                                      $2K Q
                            55% daily avg.; 45% pt to pt       TX surrender
            5% Bonus             S&P MidCap 400:               charges differ
                            35% daily avg; 30% pt to pt
                                   Russell 2000:                                   TX issue
                            35% daily avg.; 30% pt to pt                          ages 0-55
                                     NASDAQ:
                           30% pt to pt; 1.85% mo pt to pt
                                DJ EuroSTOXX 50:
                                    40% pt to pt
                             Hindsight Index Strategy
                                         25%
                               S&P 500 Annual Cap:
                                        5.50%
                         Hindsight Index Strategy Ann Cap
                                        5.00%
                                   5.00% pt to pt
                                        Fixed:
                                        2.00%
                                7.10% First yr Yield




Precision     pt to pt                S&P 500:                   14 Years           0-75
Series 14                   60% daily avg; 45% pt to pt      18,18,17,15,15,15,
  FPDA       daily avg         2.30% mo. pt to pt cap        15,14,12,10,8,6,4,   $10K NQ
                                        DJIA:                        2             $2K Q
                            65% daily avg.; 50% pt to pt
                                 S&P MidCap 400:
            10% Bonus       45% daily avg; 40% pt to pt        TX surrender       Max issue
                                   Russell 2000:               charges differ     age for CA
                            35% daily avg.; 35% pt to pt                              65
                                     NASDAQ:
                           35% pt to pt; 2.05% mo pt to pt
                                DJ EuroSTOXX 50:                                   TX issue
                                    50% pt to pt                                  ages 0-51
                             Hindsight Index Strategy
                                             30%
                                     S&P 500 Annual Cap:
                                            6.00%
                               Hindsight Index Strategy Ann Cap
                                            5.50%
                                         5.50% pt to pt
                                            Fixed:
                                            2.30%
                                      12.53% First yr Yield




Formula         pt to pt                   S&P 500:                      5 Years           0-85
 Choice                                  2.50% pt to pt                  9,8,6,4,2
 FPDA         mo. Pt to Pt             1.40% mo pt to pt
                                             DJIA:
             Annual Reset                2.20% pt to pt            TX Surrender charges
                                      S&P MidCap 400:                      differ         $10K NQ
             Index Cap Rate              2.05% pt to pt                                    $2K Q
                 product                 Russell 2000:
                                         2.00% pt to pt
                                           NASDAQ:
                                         2.00% pt to pt
                                       1.20% mo pt to pt
                                      DJ EuroSTOXX 50:
                                         2.30% pt to pt
                                            Fixed:
                                            1.25%




Prizm Plus      Mo. Avg                     S&P 500:                     7 Years           0-85
 Series 7                          35% mo. avg; 20% pt to pt           9,9,8,7,6,4,2
   FPDA      Annual pt to pt           1.50% mo pt to pt                                  $10K NQ
                                              DJIA:                                        $2K Q
              Mo. Pt to pt         35% mo. avg.; 20% pt to pt
                                      S&P MidCap 400:
                 Fixed             25% mo. avg; 15% pt to pt
                                         Russell 2000:
                                   20% mo. avg.; 10% pt to pt
                                           NASDAQ:
                                 15% pt to pt; 1.35% mo pt to pt
                                      DJ EuroSTOXX 50:
                                          15% pt to pt
                                              Fixed:
                                             1.35%
Prizm Plus     Mo. Avg                    S&P 500:                   10 Years           0-79
 Series 10                       50% mo. avg; 30% pt to pt        14,13,12,11,10,
   FPDA      Annual pt to pt         2.05% mo pt to pt               9,8,6,4,3        $10K NQ
                                            DJIA:                                      $2K Q
              Mo. Pt to pt       55% mo. avg.; 30% pt to pt
                                    S&P MidCap 400:
                 Fixed           35% mo. avg; 20% pt to pt
                                       Russell 2000:
               5% Bonus          30% mo. avg.; 20% pt to pt
                                         NASDAQ:
                               20% pt to pt; 1.85% mo pt to pt
                                    DJ EuroSTOXX 50:
                                        25% pt to pt
                                            Fixed:
                                            2.05%
                                    7.15% First yr Yield




Prizm Plus     Mo. Avg                    S&P 500:                   14 Years           0-75
 Series 14                       55% mo. avg; 30% pt to pt        18,18,17,15,15,
   FPDA      Annual pt to pt         2.30% mo pt to pt           15,15,14,12,10,8,    $10K NQ
                                            DJIA:                      6,4,2           $2K Q
              Mo. Pt to pt       60% mo. avg.; 35% pt to pt
                                     S&P MidCap 400:
                 Fixed           40% mo. avg; 25% pt to pt                            Max issue
                                       Russell 2000:                                  age for CA
              10% Bonus          35% mo. avg.; 20% pt to pt                               65
                                         NASDAQ:
                               25% pt to pt; 2.05% mo pt to pt
                                    DJ EuroSTOXX 50:
                                        30% pt to pt
                                            Fixed:
                                            2.30%
                                    12.53% First yr Yield



 NA Ten        Mo Avg                    S&P 500:                    10 Years           0-79
  FPDA        Ann pt to pt             3.10% mo avg              18,16,14,12,11,10,
                Mo pt to pt           2.80% pt to pt             8,6,4,2         $10K NQ
                  Fixed             1.50% mo pt to pt                             $2K Q
                                          DJIA:
              10% Prem Bonus          3.00% mo avg
                                      2.50% pt to pt
                                   S&P MidCap 400:
                                      2.50% mo avg
                                      2.35% pt to pt
                                      Russell 2000:
                                      2.40% mo avg
                                      2.25% pt to pt
                                        NASDAQ:
                                      2.30% pt to pt
                                    1.35% mo pt to pt
                                   DJ EuroSTOXX 50:
                                      2.60% pt to pt
                                Hindsight Index Strategy
                                          2.00%
                                          Fixed:
                                          1.35%
                                  11.48% First yr Yield



Paramount        Mo Avg                S&P 500:                 10 Years          0-79
  Choice        Ann pt to pt         3.30% mo avg            9,9,8,7,6,5,4,3,
   Ten          Mo pt to pt          3.00% pt to pt                2,1           $10K NQ
  FPDA            Fixed            1.60% mo pt to pt                              $2K Q
                                         DJIA:
              10% Prem Bonus         3.15% mo avg
                                     2.65% pt to pt
                                   S&P MidCap 400:
                                     2.70% mo avg
                                     2.50% pt to pt
                                     Russell 2000:
                                     2.60% mo avg
                                     2.45% pt to pt
                                       NASDAQ:
                                     2.45% pt to pt
                                   1.40% mo pt to pt
                                  DJ EuroSTOXX 50:
                                     2.75% pt to pt
                                         Fixed:
                                         1.45%
                                  11.59% First yr Yield


Performance     Ann Pt to pt           S&P 500:                 8 Years           0-85
 Choice 8        Mo. Pt to pt        5.60% pt to pt        10,10,10,10,9,8,5,3
                IPT (Inverse       2.60% Mo.pt to pt                             $10K NQ
                Performance trigger)   4.85% Inverse Performance Trigger                          $2K Q
                                                     DJIA:
                                                 5.45% pt to pt
                                               S&P MidCap 400:
                                                 5.10% pt to pt
                                                 Russell 2000:
                                                 5.00% pt to pt
                                                   NASDAQ:
                                                 4.85% pt to pt
                                               2.40% mo pt to pt
                                              DJ EuroSTOXX 50:
                                                 5.65% pt to pt
                                                  Hang Seng
                                                 6.00% pt to pt
                                                    Fixed:
                                                    2.75%



Performance         Ann Pt to pt                   S&P 500:                     8 Years           0-85
Choice 8 Plus        Mo. Pt to pt                4.30% pt to pt            10,10,10,10,9,8,5,3
                    IPT (Inverse               2.15% Mo.pt to pt                                 $10K NQ
                Performance trigger)   3.70% Inverse Performance Trigger                          $2K Q
                                                     DJIA:
                    5% Bonus                     4.10% pt to pt
                                               S&P MidCap 400:
                                                 3.90% pt to pt
                                                 Russell 2000:
                                                 3.80% pt to pt
                                                   NASDAQ:
                                                 3.75% pt to pt
                                               2.00% mo pt to pt
                                              DJ EuroSTOXX 50:
                                                 4.25% pt to pt
                                                  Hang Seng
                                                 4.30% pt to pt
                                                    Fixed:
                                                    2.15%
                                              7.25% First yr Yield




Perfomance          Ann Pt to pt                   S&P 500:                     12 Years          0-75
 Choice 12           Mo. Pt to pt                7.05% pt to pt            10,10,10,10,10,9,8,
                    IPT (Inverse               3.00% Mo.pt to pt                7,6,5,4,2        $10K NQ
                Performance trigger)   5.90% Inverse Performance Trigger                          $2K Q
                                                     DJIA:
                                                 7.05% pt to pt
                                               S&P MidCap 400:
                                                   6.50% pt to pt
                                                   Russell 2000:
                                                   6.25% pt to pt
                                                     NASDAQ:
                                                   6.15% pt to pt
                                                 2.75% mo pt to pt
                                                DJ EuroSTOXX 50:
                                                   7.20% pt to pt
                                                    Hang Seng
                                                   7.70% pt to pt
                                                      Fixed:
                                                      3.30%


  Performance         Ann Pt to pt                   S&P 500:                     12 Years             0-75
 Choice 12 Plus        Mo. Pt to pt                5.10% pt to pt            10,10,10,10,10,9,8,
                      IPT (Inverse               2.45% Mo.pt to pt                7,6,5,4,2           $10K NQ
                  Performance trigger)   4.40% Inverse Performance Trigger                             $2K Q
                                                       DJIA:
                      8% Bonus                     4.90% pt to pt
                                                 S&P MidCap 400:
                                                   4.70% pt to pt
                                                   Russell 2000:
                                                   4.60% pt to pt
                                                     NASDAQ:
                                                   4.50% pt to pt
                                                 2.25% mo pt to pt
                                                DJ EuroSTOXX 50:
                                                   5.15% pt to pt
                                                    Hang Seng
                                                   5.35% pt to pt
                                                      Fixed:
                                                      2.55%
                                                10.75% First yr Yield




"Standard & Poor's", "S&P", "S&P500", "S&P 400", "Standard * Poor's MidCap 400 Index" and "Standard & Poor's 500 Index" are t
American Company. "Dow Jones," "Dow Jones Industrial Average" and "DJIA" are service marks of Dow Jones and Company, Inc. an
Index is a trademark of Frank Russell Company and has been licensed for use by North American.
These North American products are not sponsored, endorsed, sold or promoted by these indices nor do they make any representat


                                                                                          OM Financial Life Insurance
                                                                         (Fidelity & Guaranty Life and Fidelity and Guaranty Life of NY)
                                                                                                   421 S. 9th St. Ste. 222 Lincoln, NE 68508
                                                                                                    A.M. Best B++ Fitch BB Moody's Baa3

   OM-Index           100% part.                       S&P                        6 Years            NQ - 0-85
Escalator 6    mo. Pt to pt       Monthly Pt to Pt           9,9,8,7,6,5        Q - 18-85
  (FPDA)       ann. Pt to pt          1.50%
                 mo. Avg          Monthly Average                                 $10k
                 no fees              3.00%
                                   Annual Pt to Pt
               1% bonus for           3.00%
                first 6 years         Fixed:
                                      1.50%

 OM-Index      100% part.              S&P                     8 Years          NQ - 0-85
Escalator 8    mo. Pt to pt       Monthly Pt to Pt       13.75, 12.75, 11.75,   Q - 18-85
  (FPDA)       ann. Pt to pt          1.60%                10.75, 10,9,8,7
                 mo. Avg          Monthly Average                                 $10k
                 no fees              3.20%
                                   Annual Pt to Pt
               1% bonus for           3.00%
                first 8 years         Fixed:
                                      1.75%

 OM-Index      100% part.               S&P                   10 Years          NQ - 0-85
Escalator 10   mo. Pt to pt       Monthly Pt to Pt       14.75, 13.75, 12.75,   Q - 18-85
  (FPDA)       ann. Pt to pt          1.70%               11.75, 10.75, 10,
                 mo. Avg          Monthly Average               9,8,7,6           $10k
                 no fees              3.30%
                                   Annual Pt to Pt
               1% bonus for           3.25%
               first 10 years          Fixed
                                      1.75%

OMNY-Index      mo pt to pt       100% Participation          7 Years             0-85
 Safety 7        mo. avg        1.75% Mo. Pt to pt cap     10,10,10,10,8,
                 pt to pt        4.00% Mo. Avg. cap             6,3               $10k
                                  3.00% Pt to pt cap
                                    Fixed: 2.50%
OMNY-Index      mo pt to pt       100% Participation          10 Years            0-85
Spectrum 10      mo. Avg        1.75% Mo. Pt to pt cap     10,10,10,10,10,
                 pt to pt        4.00% Mo. Avg. cap           10,8,6,4,2          $10k
                                  3.00% Pt to pt cap
                2% Bonus            Fixed: 2.50%
 OM-Index       mo pt to pt             <$100K                7 years           0-85 NQ
 Safety 7        mo. Avg        1.50% Mo. Pt to pt cap    10,10,10,9,8,7,6      18-85 Q
  FPDA           pt to pt        3.00% Mo. Avg. cap
                                    3.00% pt to pt
                                no Mo. Avg. w/spread                             $10K
                                     Fixed: 1.75%

                                       >$100K
                                1.50% Mo. Pt to pt cap
                                 3.00% Mo. Avg. cap
                                    3.00% pt to pt
                                      no Mo. Avg. w/spread
                                          Fixed: 1.75%
  OM-Index          mo pt to pt              <$100K               10 years        0-85 NQ
  Safety 10          mo. Avg          1.75% Mo. Pt to pt cap   10,10,10,9,8,7,    18-85 Q
   FPDA              pt to pt          3.00% Mo. Avg. cap          6,5,4,3
                                          3.00% pt to pt
                                      no Mo. Avg. w/spread                         $10K
                                          Fixed: 1.75%

                                             >$100K
                                      1.75% Mo. Pt to pt cap
                                       3.00% Mo. Avg. cap
                                          3.00% pt to pt
                                      no Mo. Avg. w/spread
                                          Fixed: 1.75%

  OM-Index          mo pt to pt                S&P              9 Year (0-80)     0-85 NQ
 Spectrum 9           mo. Avg          1 year, mo. Pt to Pt     15,15,15,14.5,    18-85 Q
   (SPDA)              pt to pt              2.00%             13.5,12.5,10,7,4
                    fixed acct.        2 year, mo. Pt to Pt                        $10K
                                             2.25%              9 Year (81-85)
                    3% Bonus           3 year, mo. Pt to Pt    12.5,12.5,12,11,
                                             2.75%                10,9,8,7,6
                                      S&P Monthly Average
                                             4.25%
                                       S&P Annual Pt to Pt
                                             4.00%
                                         Fixed Account
                                             1.50%

 OM-Index         ann pt to pt cap              S&P                7 Years        0-85 NQ
Accelerator 7     ann pt to pt part    1 year, mo. Pt to Pt     10,9,8,7,6,5,4    18-85 Q
                  mo pt to pt cap              2.25%
                   Mo.Avg w/cap           1 yr. mo. Avg.                           $10K
                 2yr Mo Avg w/cap              4.75%
                       Fixed           1 yr. annual Pt to Pt
                                               4.25%
                                       2 year mo. Avg Cap
                    3% Bonus                  11.00%
                                          Fixed Account
                                               2.00%




  OM-Index        ann pt to pt cap              S&P               10 Years        0-85 NQ
Accelerator 10    ann pt to pt part    1 year, mo. Pt to Pt    10,10,10,10,9,8,   18-85 Q
                  mo pt to pt cap             2.00%                7,6,4,2
                   Mo.Avg w/cap           1 yr. mo. Avg.                           $10K
                 2yr Mo Avg w/cap             4.25%
                  Fixed               1 yr. annual Pt to Pt
                                              4.00%
               6% Vesting             2 year mo. Avg Cap
                 Bonus                       10.00%
                                         Fixed Account
                                              1.50%




                                                                                       Phoenix Life Insurance Company
                                                                                       30 Dan Road Suite 8027 Canton, MA 02021-2809
                                                                                               AM Best B+(Good) S&P BB-

Index Select       S&P             Low Band ($15K-$49,999)             10 Years               0-85
   SPDA            DJIA                       S&P 500                10,9,8,7,6,5,4,
               DJ Euro Stoxx   1Yr Pt to pt: 4.50%; 100% Part rate        3,2,1               $15K
                               1.85% monthly cap; 100% Part rate
                 Pt to pt                       DJIA
               5 yr Pt to pt   1Yr Pt to pt: 3.90%; 100% Part rate
               Monthly cap               DJ Euro Stoxx 50
                  Fixed        1Yr Pt to pt: 4.00%; 100% Part rate
                                       Balanced Allocation
                               1Yr Pt to pt: 4.00%; 100% Part rate
                                      S&P 500 Soft Landing
                                   5 Yr: no cap; 50% Part rate
                                           Fixed: 2.50%


                                        High Band ($50K+)
                                              S&P 500
                               1Yr Pt to pt: 5.00%; 100% Part rate
                               1.95% monthly cap; 100% Part rate
                                                DJIA
                               1Yr Pt to pt: 4.40%; 100% Part rate
                                         DJ Euro Stoxx 50
                               1Yr Pt to pt: 4.50%; 100% Part rate
                                       Balanced Allocation
                               1Yr Pt to pt: 4.50%; 100% Part rate
                                      S&P 500 Soft Landing
                                   5 Yr: no cap; 55% Part rate
                                           Fixed: 2.50%


Index Select       S&P             Low Band ($15K-$49,999)             10 Years               0-85
   Bonus           DJIA                       S&P 500                10,9,8,7,6,5,4,
   SPDA        DJ Euro Stoxx   1Yr Pt to pt: 3.25%; 100% Part rate        3,2,1               $15K
                               1.50% monthly cap; 100% Part rate
                    Pt to pt                          DJIA
                  5 yr Pt to pt      1Yr Pt to pt: 3.00%; 100% Part rate
                  Monthly cap                  DJ Euro Stoxx 50
                     Fixed           1Yr Pt to pt: 3.00%; 100% Part rate
                                             Balanced Allocation
                   5% upfront        1Yr Pt to pt: 3.00%; 100% Part rate
                 single premium             S&P 500 Soft Landing
                      Bonus              5 Yr: no cap; 40% Part rate
                                                 Fixed: 2.50%


                                              High Band ($50K+)
                                                    S&P 500
                                     1Yr Pt to pt: 3.75%; 100% Part rate
                                     1.60% monthly cap; 100% Part rate
                                                      DJIA
                                     1Yr Pt to pt: 3.25%; 100% Part rate
                                               DJ Euro Stoxx 50
                                     1Yr Pt to pt: 3.10%; 100% Part rate
                                             Balanced Allocation
                                     1Yr Pt to pt: 3.20%; 100% Part rate
                                            S&P 500 Soft Landing
                                         5 Yr: no cap; 45% Part rate
                                                 Fixed: 2.50%



Index Select         S&P                             S&P 500                     10 Years         0-85
   Gold              DJIA             1Yr Pt to pt: 5.75%; 100% Part rate   12,12,12,11,10,9,8,
   SPDA          Euro Stoxx 50                       S&P 500                       7,6,4          $15K
                                     2Yr Pt to pt: 12.00%; 100% Part rate
                   1yr Pt to Pt                      S&P 500
                   2yr Pt to Pt       2.30% monthly cap; 100% Part rate
                  Monthly cap                          DJIA
               Balanced allocation    1Yr Pt to pt: 5.00%; 100% Part rate
                                                 Euro Stoxx 50
                                     1Yr Pt to Pt: 5.00%; 100% Part rate
                                              Balanced Allocation
                                      1Yr Pt to pt: 5.50%; 100% Part rate


                                                Fixed: 2.90%




Index Select         S&P                            S&P 500                      10 Years         0-85
Gold Bonus           DJIA            1Yr Pt to pt: 4.00%; 100% Part rate    12,12,12,11,10,9,8,
   SPDA          Euro Stoxx 50                      S&P 500                        7,6,4          $15K
                                     2Yr Pt to pt: 9.00%; 100% Part rate
                1yr Pt to Pt                     S&P 500
                2yr Pt to Pt      1.80% monthly cap; 100% Part rate
               Monthly cap                         DJIA
            Balanced allocation   1Yr Pt to pt: 3.50%; 100% Part rate
                                             Euro Stoxx 50
                                  1Yr Pt to Pt: 3.75%; 100% Part rate
               8% Premium                 Balanced Allocation
                 Bonus            1Yr Pt to pt: 4.00%; 100% Part rate


                                            Fixed: 2.25%




                                                                                                     RBC Insurance-BMA
                                                                                            2000 Wade Hampton Blvd. Greenville, SC 29615
                                                                                              AM Best A- (Excellent) Fitch A- (Strong)

Enhanced     Quarterly pt to pt       Annual Pt to Pt Cap: 4.00%             8 Years              0-80 Q
 Choice 8    w/ Annual Reset         Monthly Pt to Pt Cap: 2.00%         10,9,8,7,6,5,4,2        0-85 NQ
  (SPDA)      Monthly Avg.           Quarterly Pt to Pt Cap: 2.50%
             Annual Pt to Pt         Monthly Average Cap: 5.00%                                     $5K
                                                                        Surrender charges
               2% Premium              Fixed Rate: 2.50% in yr 1        vary for CA & WA
              Enhancement/
                 Bonus




Choice 10    Quarterly pt to pt       Annual Pt to Pt Cap: 3.50%            10 Years              0-80 Q
 (SPDA)      w/Annual Reset          Monthly Pt to Pt Cap: 1.50%        10,10,9.5,9,8,7,6,       0-85 NQ
              Monthly Avg.           Quarterly Pt to Pt Cap: 2.00%            5,4,2
             Annual Pt to Pt         Monthly Average Cap: 5.00%                                     $5K
                                                                        Surrender charges     5 add'l premiums
                                       Fixed Rate: 2.75% in yr 1        vary for CA & WA          of at least
                                                                                                 $500 each
                                                                                                 allowed in
                                                                                                 1st 12 mos
                                                                                               (4 mos for PA)



Enhanced     Quarterly pt to pt       Annual Pt to Pt Cap: 3.50%            12 Years              0-80 Q
Choice 12    w/Annual Reset          Monthly Pt to Pt Cap: 1.50%        14,13,12,11,10,9,        0-85 NQ
 (SPDA)       Monthly Avg.           Quarterly Pt to Pt Cap: 2.00%         8,7,6,5,4,3
             Annual Pt to Pt         Monthly Average Cap: 5.00%                                     $5K
                                                                        Surrender charges
               5% Premium              Fixed Rate: 2.50% in yr 1           vary for CA
               Enhancement/
                  Bonus




 Enhanced     Quarterly pt to pt     Annual Pt to Pt Cap: 3.25%           10 Years          0-80 Q
 Choice 10    w/Annual Reset        Monthly Pt to Pt Cap: 1.25%       10, 10, 10, 9.5, 9,   0-85 NQ
               Monthly Avg.         Quarterly Pt to Pt Cap: 1.75%        8, 7, 6, 4, 2
              Annual Pt to Pt       Monthly Average Cap: 5.00%                                $5K
                                                                      Surrender charges
                5% Premium            Fixed Rate: 2.35% in yr 1       vary for TX & WA
               Enhancement/
                  Bonus




                                                                              Reliance Standard Life Insurance Company
                                                                                 2001 Market Street, Suite 1500 Philadelphia, PA 19103-9802
                                                                                   AM Best A (Excellent) Fitch A- S&P A Moody's A3

Keystone 5    ann pt to pt - cap          Annual pt to pt                 5 Years             0-85
 (SPDA)       ann pt to pt - part   5.00% cap, no fee, no part rate       9,8,7,6,5
               Mo. Avg - cap         15% part rate, no cap, no fee                           $10K
               Mo. Avg - part              Monthly Avg.
                   Fixed            5.50% cap, no fee, no part rate
                                     20% part rate, no cap, no fee

                                            Fixed: 2.75%



Keystone 7    ann pt to pt - cap          Annual pt to pt                  7 years            0-85
 (SPDA)       ann pt to pt - part   5.50% cap, no fee, no part rate     9,8,7,6,5,4,3
               Mo. Avg - cap         20% part rate, no cap, no fee                           $10K
               Mo. Avg - part              Monthly Avg.
                   Fixed            6.00% cap, no fee, no part rate
                                     25% part rate, no cap, no fee

                                            Fixed: 2.85%


Keystone 10   ann pt to pt - cap           Annual pt to pt                10 Years            0-85
  (SPDA)        ann pt to pt - part       5.75% cap, no fee, no part rate        9,9,8,7,6,5,4,3,2,1
                 Mo. Avg - cap             20% part rate, no cap, no fee                               $10K
                 Mo. Avg - part                  Monthly Avg.
                     Fixed                6.25% cap, no fee, no part rate
                                           25% part rate, no cap, no fee

                                                   Fixed: 2.90%




                                                                                        The Standard (Standard Insurance Company)
                                                                                                    PO Box 711 Portland, OR 97207-9971
                                                                                           AM Best A(Excellent) S&P AA-(Very Strong) Moody's A1

Index Growth       ann pt to pt                  $15K - $99,999                      5 Years           0-90
  Annuity 5       ann pt to pt w/            100% participation rate                 8,7,6,4,2
               principal guarantee            3.35% annual pt to pt                                    $15K
                                      2.75% ann pt to pt w/principal guarantee
                                                 Fixed: 1.70%

                                                      $100K+
                                             100% participation rate
                                              4.00% annual pt to pt
                                      3.40% ann pt to pt w/principal guarantee
                                                 Fixed: 1.70%

                                                  bailout 2% less

Index Growth       ann pt to pt                  $15K - $99,999                      7 Years           0-90
  Annuity 7       ann pt to pt w/            100% participation rate               9,8,7,6,5,4,2
               principal guarantee            3.55% annual pt to pt                                    $15K
                                      2.90% ann pt to pt w/principal guarantee
                                                 Fixed: 1.70%

                                                      $100K+
                                             100% participation rate
                                              4.15% annual pt to pt
                                      3.50% ann pt to pt w/principal guarantee
                                                 Fixed: 1.70%

                                                  bailout 2% less
                 Minimum                                               Special              Available in        Commissions
                Guarantees                                            Features               all states
                                                                                              Except




ife Insurance Company of North America
5701 Golden Hills Drive Minneapolis, MN 55416
      AM Best A S&P AA Moody's A2

                87.5% premiums        Pays         penalty free      Nusing Home           Only Available In:         Option A
                   paid, minus    Annuitization     available          Benefit                  CT, PA           (0-75) 9.00% yr 1
                     WD, all          Value          in yr 2.                                                      (4.5% yrs 2-5)
                  accumulated      as a Lump           10%                                                      (76-85) 7.00% yr 1
                  at an interest   Sum at the      annually up                                                     (3.5% yrs 2-5)
                 rate no greater death of owner      to 50%                                                           Option B
                  3% & no less    (avail in most     lifetime                                                    (0-75) 7.00% yr 1
                    than 1%,         states)                                                                       (3.5% yrs 2-5)
                  compounded                                                                                      .5% trail comm.
                     annually                                                                                         Option C
                                                                                                                 (0-75) 4.50% yr 1
                                                                                                                  (2.25% yrs 2-5)
                                                                                                                   1% trail comm.

                 Between 1-3%        Full AV       10% after                                  NY ONLY                Option A
                                                   year 1 up                                                      (0-75) 4% yr. 1
                                                    to 100%                                                      (2.00% yrs. 2-3)
                                                     lifetime                                                     (76-85) 2.00%
                                                                                                                 (1.00% yrs. 2-3)
                                                                                                                     Option B
                                                                                                                  (0-75) 2% yr. 1
                                                                                                                 (1.00% yrs. 2-3)
                                                                                                                     .50% trail
                  87.5% prem.       Greater of       10% of      Nursing Home Benefit           NY, OR               Option A
                  at no greater   the contract's    contract's Flexible WD Benefit Rider                            (0-75) 7%
                 than 3.00% &     accumulation     paid prem.                                                    (3.50% yrs 2-3)
                  no less than      value or         after first                                                  (76-80) 6.00%
                     1.50%         guaranteed        contract                                                    (3.00% yrs 2-3)
                  compounded        min value      anniversary
                    annually
                                                                                                                    Option B
                                                                                                                  (0-75) 5.00%
                                                                                                                 (2.50% yrs 2-3)
                                                                                                                 (76-80) 4.50%
                                                                                         (2.25% yrs 2-3)
                                                                                        0.50% Trail yrs 2+


                                                                                             Option C
                                                                                           (0-75) 3.00%
                                                                                         (1.50% yrs 2-3)
                                                                                          (76-80) 2.50%
                                                                                         (1.25% yrs 2-3)
                                                                                        1.00% Trail yrs 2+




 87.5% prem.       Greater of       10% of      Nursing Home Benefit        NY, OR           Option A
 at no greater   the contract's    contract's Flexible WD Benefit Rider                     (0-75) 7%
than 3.00% &     accumulation     paid prem.     Income Plus Benefit                     (3.50% yrs 2-3)
 no less than      value or         after 1st                                            (76-80) 5.00%
    2.00%         guaranteed        contract                                             (2.50% yrs 2-3)
 compounded        min value      anniversary
   annually
                                                                                             Option B
                                                                                           (0-75) 5.00%
                                                                                         (2.50% yrs 2-3)
                                                                                          (76-80) 3.50%
                                                                                         (1.75% yrs 2-3)
                                                                                        0.50% Trail yrs 2+


                                                                                             Option C
                                                                                           (0-75) 2.25%
                                                                                         (1.125% yrs 2-3)
                                                                                          1% Trail yrs 2+
                                                                                          (76-80) 2.00%
                                                                                          (1.00% yrs 2-3)
                                                                                        0.75% Trail yrs 2+



 87.5% prem.       Greater of       10% of      Nursing Home Benefit       CA, CT,           Option A
 at no greater   the contract's    contract's Flexible WD Benefit Rider       NY,           (0-75) 8%
than 3.00% &     accumulation     paid prem.                              OR, PA, UT,    (4.00% yrs 2-3)
 no less than      value or        after first                                WA         (76-80) 5.00%
    1.00%         guaranteed        contract                                             (2.50% yrs 2-3)
 compounded        min value      anniversary
   annually
                                                                                            Option B
                                                                                          (0-75) 6.00%
                                                                                         (3.00% yrs 2-3)
                                                                                        0.50% Trail yrs 2+
                                                                                           (76-80) 3.50%
                                                                                          (1.75% yrs 2-3)
                                                                                         0.25% Trail yrs 2+



                                                                                              Option C
                                                                                            (0-75) 3.75%
                                                                                          (1.875% yrs 2-3)
                                                                                         1.00% Trail yrs 2+
                                                                                           (76-80) 2.50%
                                                                                           (1.25% yrs 2-3)
                                                                                         0.50% Trail yrs 2+




2.25% on 87.5%         Contract's      After 1st  Simple Income Rider III       CT,          Option A
                     accumulation     contrct yr,  (avail in most states)   NY, PA, WA      (0-75) 7%
                         vlaue,      up to 10%                                            (3.50% yrs 2-3)
Min guarantees      including both of paid prem    Simple Death Benefit                     (76-80) 5%
differ in DE, IA,       vested &   each contract            Rider                         (2.50% yrs 2-3)
    NJ, & TX           unvested       yr as long
                         bonus     as the money
                       avail Lump    is WD after                                              Option B
                         Sum or     the contract                                             (0-75) 5%
                    may be taken anniversary                                              (2.50% yrs 2-3)
                       as income       following                                         0.50% Trail yrs 2+
                       payments.    most recent                                            (76-80) 3.50%
                                   prem payment                                           (1.75% yrs 2-3)
                       DB applies                                                        0.50% Trail yrs 2+
                      to contracts
                         not yet
                       annuitized.
                                                                                               Option C
                                                                                            (0-75) 2.25%
                                                                                          (1.125% yrs 2-3)
                                                                                         1.00% Trail yrs 2+
                                                                                             (76-80) 2%
                                                                                           (1.00% yrs 2-3)
                                                                                         0.75% Trail yrs 2+

 1.5% on 90%            Full            After 1st  20% Bonus w/ Enhanced     NY, WA           Option A
                    Accumulation       contrct yr,       WD Benefit                          (0-75) 8%
                    Value in lump     up to 10%                                             (4% yrs 2-3)
                     sum (does       of paid prem   Nursing Home Benefit                    (76-80) 5%
                     not include    each contract Flexible Annuity Option                 (2.50% yrs 2-3)
                       bonus)          yr as long
                                    as the money
                                      is WD after                                            Option B
                               the contract                                         (0-75) 5.50%
                               anniversary                                         (2.75% yrs 2-3)
                                following                                           (76-80) 2.50%
                               most recent                                         (1.25% yrs 2-3)
                              prem payment                                       0.33% Trail yrs 2-10
                                                                                 1.00% Trail yrs 11+


                                                                                      Option C
                                                                                   (0-75) 2.00%
                                                                                  (1.00% yrs 2-3)
                                                                                   (76-80) 1.00%
                                                                                  (0.50% yrs 2-3)
                                                                                 1.00% Trail yrs 2+


1% on 87.5%      Full AV        After 1st      10% Enhanced WD          NY, WA        Optioin A
                               contract yr,         Benefit                         (0-75) 5.00%
                               up to 10%                                           (76-80) 3.50%
                              of contract's    Flexible WD Benefit
                              premium can         Nursing Home                        Option B
                              be withdrawn                                         (0-75) 2.25%
                                 each yr.                                          (76-80) 1.50%
                                                                                 0.33% Trail yrs 2-5
                                                                                 1.00% Trail yrs 6+




1% on 87.5%    AV in lump       Available    Nursing Home Benefit       NY, TX      (0-75) 3.25%
               sum or as      immediately, RMD (no penalty to client)              (76-80) 2.00%
                 income        up to 10%                                            (81+) 1.00%
                payments        contract's Flexible WD Benefit Rider
                              paid premium    Death Benefit Rider
                 1x10
              payout option

                  1x5
              payout option
money allocated to the interest earning value. S&P 500 Index does not include dividends


Equity Investment Life Insurance Company
00 Westown Parkway West Des Moines, IA 50266
          AM Best A- (Excellent)

                             1.50%             Greater         10% per yr.        Nursing Care Rider       AL, AK, CT, MN,             (0-75)
                                             of contract       after 1st yr.                              NY, OR, TX, UT, WA       Yr 1: 6.00%
                         80% of all 1st       value or                           Terminal Illness Rider                            Yr 2: 1.00%
                          yr premiums           MGSV            Systematic                                See Comment: DE, OK      Yr 3: 1.00%
                           plus 87.5%         at first to       w/ draw &       Lifetime Income Benefit                           Add'l $ added in
                        any add'l prem,     die of Owner           RMD                                                            yrs 2-5: 2.75%
                         less any WD,              or          immediately
                            at MGIR,          annuitant         from fixed                                                            (76-80)
                          compounded                            value only                                                         Yr 1: 4.50%
                            annually                                                                                               Yr 2: 0.75%
                                                                                                                                   Yr 3: 0.75%
                                                                                                                                  Add'l $ added in
                                                                                                                                  yrs 2-5: 2.06%

                                                                                                                                Commissions vary in
                                                                                                                                IN, KY, MA, MN, ND,
                                                                                                                                  OK, PA, SC, VA
                                                                                                                                       and VT
                       1.50% on 87.5%          Greater         10% contract                                   AL, IN, MS,               (0-75)
                                             of contract      value annually                                  NJ, NY, TX,           Yr 1: 6.00%
                                              value or          starting in                                       WA                Yr 2: 1.00%
                                                MGSV              year 2                                                            Yr 3: 1.00%
                                              at first to                                                                         Add'l $ added in
                                            die of Owner                                                                           yrs 2-5: 4.25%
                                                   or
                                              annuitant                                                                               (76-80)
                                                                                                                                   Yr 1: 4.50%
                                                                                                                                   Yr 2: 0.75%
                                                                                                                                   Yr 3: 0.75%
                                                                                                                                  Add'l $ added in
                                                                                                                                  yrs 2-5: 3.18%

                       1.50% on 87.5%          Greater         10% contract Lifetime Income Benefit             AL, NY                 (0-75)
                                             of contract      value annually                                                       Yr 1: 4.13%
                                              value or          starting in                                                        Yr 2: 0.68%
                                                MGSV              year 2                                                           Yr 3: 0.68%
                                              at first to                                                                         Add'l $ added in
                                            die of Owner                                                                          yrs 2-5: 2.75%
                                                   or
                                              annuitant                                                                               (76-80)
                                                                                                                                   Yr 1: 3.09%
                                                                                                                Yr 2: 0.51%
                                                                                                                 Yr 3: 0.51%
                                                                                                               Add'l $ added in
                                                                                                               yrs 2-5: 2.06%




    1.50%            Greater       10% contract Lifetime Income Benefit             AL, AK, CT, FL,                 (0-75)
                   of contract    value annually          Rider                        DE, MN,                  Yr 1: 6.00%
 84% of all 1st     value or        starting in                                      NY, OR, PA,                Yr 2: 1.00%
  yr premiums         MGSV            year 2                                            UT, WA                  Yr 3: 1.00%
   plus 87.5%       at first to                                                                                Add'l $ added in
any add'l prem,   die of Owner                                                                                 yrs 2-5: 2.75%
 less any WD,            or                                                   (FL is only approved for the
    at MGIR,        annuitant                                                   Security Gold product)             (76-80)
  compounded                                                                                                    Yr 1: 4.50%
    annually                                                                                                    Yr 2: 0.75%
                                                                                                                 Yr 3: 0.75%
                                                                                                               Add'l $ added in
                                                                                                               yrs 2-5: 2.06%


1.50% on 87.5%       Greater       10% contract       Nursing Care Rider              AL, CT,                       (0-78)
                   of contract    value annually                                      MN, NV                    Yr 1: 6.00%
                    value or        starting in     Terminal Illness Rider       NY, PA, SC, UT, WA             Yr 2: 1.00%
                      MGSV            year 2                                                                    Yr 3: 1.00%
                    at first to                     Lifetime Income Benefit                                    Add'l $ added in
                  die of Owner                                                                                 yrs 2-5: 2.75%
                         or
                    annuitant                                                                                Commissions vary in
                                                                                                             AK, DE, FL, IN, SC,
                                                                                                                  OR, TX




1.50% on 87.5%     Full value      10% contract       Nursing Care Rider          Only Available In:               (0-75)
                   of annuity     value annually,                                AK, MN, PA, UT, WA             Yr 1: 5.25%
                    contract        starting yr 2   Terminal Illness Rider                                      Yr 2: 0.87%
                                                                                                                Yr 3: 0.87%
                                                    Lifetime Income Benefit
                                                                                                                       (76-80)
                                                                                                                    Yr 1: 3.94%
                                                                                                                    Yr 2: 0.65%
                                                                                                                    Yr 3: 0.65%




      American General Life
ity Operation B-F5 2727-A Allen Parkway Houston, TX 77019
  Best A(Excellent) S&P A+ Fitch A- Moody's A1

                 2% on 90%           0x5          10% after        Interest after      AK, MN, NJ, NY, OK,         (0-75) 6.00%
                                                    yr. 1             30 days            OR, UT, VT, WA            (76-80) 3.50%
                                                                                                                   (81-85) 2.00%
                                                                Extended Care Rider
                                                                                                                PA & TX commissions
                                                                                                                        vary

                 2% on 90%           0x5          10% after        interest after     AK, CT, MN, NJ, NY, OK,       (0-75) 8.00%
                                                    yr. 1             30 days           OR, TX, UT, VT, WA         (76-80) 4.00%
                                                                                                                   (81-85) 2.50%
                                                                Extended Care Rider
                                                                                                                PA commissions vary



                90% at no less     Full AV       10% annuity    Extended Care Rider         CT, DE,                  (0-75) 6%
                  than 2%                         value as of                                MN, NJ,                (76-85) 5%
                                                   previous                              NY, OR, PA, UT,
                                                 anniversary                                 VT, WA




                90% at no less     Full AV       10% annuity    Extended Care Rider       AK, CT, DE,                (0-75) 6%
                  than 2%                         value as of                                MN, NJ,                (76-85) 5%
                                                   previous                              NY, OR, PA, TX,
                                                 anniversary                              UT, VT, WA




                90% of prem,      Full Annuity   10% annuity    Extended Care Rider       AK, DE, IL, MN,          (0-75) 8.00%
                less prior wd,       Value        value as of                              MS, NJ, NY,
                 accumulate      (lump sum or      previous                           OR, PA, TX, UT, VT, WA
                    at 2%        income plan)    anniversary
           90% of prem,      Full Annuity   10% annuity      Guaranteed Minimum                     VT                  (0-75) 6%
           less prior wd,       Value        value as of      Withdrawal Benefit                                      (76-80) 4.75%
            accumulate      (lump sum or      previous             No MVA
               at 2%        income plan)    anniversary




          100% of prem,      Full Annuity   10% annuity      Guaranteed Minimum               AK, CT, DE,               (0-75) 7%
           less prior wd,       Value        value as of      Withdrawal Benefit                MN, NJ,               (76-80) 4.50%
            accumulate      (lump sum or      previous                                       NY, OR, PA, TX,
               at 2%        income plan)    anniversary                                       UT, VT, WA




American Investors Life
611 5th Ave. Des Moines, IA 50306
 AM Best A S&P A+ Moody's A1

          87.5% @ varies      Full AV          1/2% of          Income for Life        AL, AZ, AR, CA, CO, DC, FL,         Year 1
           between 1-3%                      initial prem        Income Edge            GA, ID, IL, IN, IA, KS, KY,    (0-75) 2.00%
                                            1 month after    Terminal Illness Waiver    LA, ME, MD, MI, MS, NE,       (76-80) 1.05%
                                                 issue        Confinement Waiver         NH, NC, NY, OK, RI, SC,      (81-83) 0.95%
                                            10% accum.                                   SD, TN, TX, VT, VA, UT,          Yrs. 2-3
                                             value as of                                       WV, WI, WY              (0-75) 1.00%
                                             last policy                                                              (76-80) 0.53%
                                             anniversary                                                               (81-83) .48%
                                             (after yr. 1)                                                                 Trails:
                                                                                                                          Option 2
                                                                                                                          Option 3
87.5% @ varies   Full AV      1/2% of          Income for Life        AL, AZ, AR, CA, CO, DC, FL,         Year 1
 between 1-3%               initial prem        Income Edge            GA, ID, IL, IN, IA, KS, KY,    (0-75) 3.00%
                           1 month after    Terminal Illness Waiver    LA, ME, MD, MI, MS, NE,       (76-80) 1.75%
                                issue        Confinement Waiver        NH, NC, NY, OK, RI, SC,         (81) 1.75%
                           10% accum.                                   SD, TN, TX, VT, VA, UT,          Yrs. 2-3
                            value as of                                       WV,WI, WY               (0-75) 1.50%
                            last policy                                                              (76-80) 0.88%
                            anniversary                                                                (81) 0.88%
                            (after yr. 1)                                                                 Trails:
                                                                                                         Option 2
                                                                                                         Option 3




87.5% @ varies   Full AV     10% prior         Income for Life        AL, AZ, AR, CA, CO, DC, FL,         Year 1
 between 1-3%               anniversary         Income Edge            GA, ID, IL, IN, IA, KS, KY,    (0-75) 6.50%
                           Accum. Value     Terminal Illness Waiver    LA, ME, MD, MI, MS, NE,       (76-78) 4.50%
                             beginning       Confinement Waiver         NH, NC, NY, OK, RI, SC,          Yrs. 2-5
                             in year 1                                  SD, TN, TX, VT, VA, UT        (0-75) 3.25%
                                                                              WV, WI, WY             (76-78) 2.25%
                                                                                                          Trails:
                                                                                                         Option 2
                                                                                                         Option 3
                                            Guaranteed Purchase
                                                   Option




87.5% @ varies   Full AV      1/2% of          Income for Life        AL, AZ, AR, CA, CO, DC, FL,         Year 1
 between 1-3%               initial prem        Income Edge            GA, ID, IL, IN, IA, KS, KY,    (0-75) 6.50%
                           1 month after    Terminal Illness Waiver   LA, ME, MD, MI, MS,NE, NJ,     (76-78) 4.50%
                                 issue         Confinement Waiver        NH, NC, NY, OK, RI, SC,        Yrs. 2-5
                             10% accum.                                  SD, TN, TX, VT, VA, UT,     (0-75) 3.25%
                             value as of                                      WV, WI, WY            (76-78) 2.25%
                              last policy                                                                Trails:
                             anniversary                                                                Option 2
                              (after yr. 1)                                                             Option 3
                                              Guaranteed Purchase
                              CT, DE, WA             Option
                                                                                                    Please call for
                                                                                                   CT, DE, MN, OR,
                                                                                                       PA, WA
                                                                                                        rates




87.5% @ varies    Full         Up to 5%       Income Edge Plus Rider            AK, DE,                Option 1
 between 1-3% Accumulation    of annuity's      Confinement Waiver               MN,                 (0-75) 5.00%
                 Value       Accumulated       Terminal Illness Waiver          NJ, NY,             (76-80) 3.50%
                             Value in the                                       OR, PA,                Years 2-3
                             1st contract                                         WA                 (0-75) 2.50%
                             year without                                                           (76-80) 1.75%
                                charge.
                                                                                                       Option 2
                               Up to 10%                                                             (0-75) 3.25%
                             Accumulated                                                            (76-80) 2.50%
                              Value as of                                                                Trail:
                             your previous                                                           (0-75) 0.40%
                                contract                                                            (76-80) 0.25%
                              anniversary                                                              Years 2-5
                             without charge                                                          (0-75) 1.63%
                                or MVA.                                                             (76-80) 1.25%

87.5% @ varies    Full         Up to 5%       Income Edge Plus Rider            AK, DE,                Option 1
 between 1-3% Accumulation    of annuity's      Confinement Waiver               MN,                 (0-75) 7.50%
                 Value       Accumulated       Terminal Illness Waiver          NJ, NY,             (76-78) 5.50%
                             Value in the                                       OR, PA,                Years 2-5
                             1st contract                                         WA                 (0-75) 3.75%
                             year without                                                           (76-78) 2.75%
                                charge.
                                                                                                       Option 2
                              Up to 10%                                                              (0-75) 4.25%
                             Accumulated                                                            (76-78) 3.25%
                              Value as of                                                                Trail:
                             your previous                                                           (0-75) 0.75%
                               contract                                                             (76-78) 0.50%
                              anniversary                                                              Years 2-5
                             without charge                                                (0-75) 2.13%
                                or MVA.                                                   (76-78) 1.63%




87.5% @ varies    Full         Up to 5%       Income Edge Plus Rider     AK, CT, DE,          Option 1
 between 1-3% Accumulation    of annuity's      Confinement Waiver           MN,          (0-75) 7.50%
                 Value       Accumulated       Terminal Illness Waiver     NJ, NY,        (76-78) 5.50%
                             Value in the                                  OR, PA,           Years 2-5
                             1st contract                                 UT, WA           (0-75) 3.75%
                             year without                                                 (76-78) 2.75%
                                charge.
                                                                                              Option 2
                               Up to 10%                                                  (0-75) 4.25%
                             Accumulated                                                  (76-78) 3.50%
                              Value as of                                                      Trail:
                             your previous                                                 (0-75) 0.75%
                                contract                                                  (76-78) 0.50%
                              anniversary                                                    Years 2-5
                             without charge                                               (0-75) 2.13%
                                or MVA.                                                   (76-78) 1.75%




87.5% @ varies    Full         Up to 5%       Income Edge Plus Rider      AK, DE,             Option 1
 between 1-3% Accumulation    of annuity's      Confinement Waiver         MN,            (0-75) 7.00%
                 Value       Accumulated       Terminal Illness Waiver    NJ, NY,         (76-78) 5.00%
                             Value in the                                 OR, PA,            Years 2-5
                             1st contract                                   WA             (0-75) 3.50%
                             year without                                                 (76-78) 2.50%
                                charge.
                                                                                              Option 2
                               Up to 10%                                                  (0-75) 3.75%
                             Accumulated                                                  (76-78) 2.75%
                              Value as of                                                      Trail:
                             your previous                                                 (0-75) 0.75%
                                contract                                                  (76-78) 0.50%
                              anniversary                                                    Years 2-5
                             without charge                                               (0-75) 1.88%
                                or MVA.                                                   (76-78) 1.38%

                                                                                        AK, CT, DE, MN, OR,
                                                                                            PA, UT, WA
                                                                                          commissions vary
                                                                                       ***some states are not
                                                                                       approved at this time***
         American National
th Floor One Moody Plaza Galveston, TX 77550
        AM Best A (Excellent) S&P A+

               90% of premium          Full AV       10% after      Confinement Waiver          FL, MA, MN,            (0-75) 10%
                 accumulated                          year 1                                   NJ, NY, ND, OR,         (76-80) 8%
               at the min. guar.                                      Disability Waiver              VT
               int. rate required
                  by law less
                  withdrawals
               88.75% of prem.         Full AV       10% after      Confinement Waiver      IL, MD, MN, NJ, ND, NY,     (0-75) 6%
                 accumulated                          year 1                                      OR, UT, VT           (76-80) 4%
               at the min. guar.                                      Disability Waiver
               int. rate required
                  by law less
                  withdrawals
               90% of premium          Full AV       10% after      Lifetime Income Rider        MA, MN, NY,            Option A:
                 accumulated                          year 1                                     OR, PA, UT,            (0-75) 5%
               at the min. guar.                                    Enhanced DB Rider                VT                (76-80) 4%
               int. rate required                                   Confinement Waiver                                  (81-85) 3%
                  by law less                                        Disability Waiver                                   Option B:
                  withdrawals                                                                                           (0-75) 3%
                                                                                                                         .40% Trail
                                                                                                                       (76-80) 2%
                                                                                                                         .40% Trail
                                                                                                                       (81-85) 1%
                                                                                                                         .40% Trail
               90% of premium          Full AV       10% after      Lifetime Income Rider        MA, MN, NY,            Option A:
                 accumulated                          year 1                                     OR, PA, UT,            (0-75) 8%
               at the min. guar.                                    Enhanced DB Rider                VT               (76-80) 6.5%
               int. rate required                                   Confinement Waiver                                 (81-85) 5%
                  by law less                                        Disability Waiver                                   Option B:
                  withdrawals                                                                                          (0-75) 5.5%
                                                                                                                         .40% Trail
                                                                                                                       (76-80) 4%
                                                                                                                         .40% Trail
                                                                                                                      (81-85) 2.5%
                                                                                                                         .40% Trail


                  Varies by          Greater of       Starting in   Nursing Home Waiver     MN, ND, NY, OK, OR,        (0-79) 5.00%
                    state           Annuity Value     yr 2, up to     Disability Waiver             WA                (80-85) 3.00%
                                    or Surrender       10% of
                                        Value       the beginning
                                                       account
                                                         value
inancial Life & Annuity Insurance Company
Business 300 W. 11th Street Kansas City, MO 64105
            AM Best A- S&P A-

                100% of prem.    Full AV   10% on AV      Can be used as a 5x5     AL, AK, MS,           Year 1
                  in yrs. 1-9,             after year 1                             NY, OR, VT       (0-80) 7.00%
                at 1.5%. 3.0%                             Nursing Home Waiver                       (81-85) 5.00%
                   thereafter                                                                          Years 2-4
                                                                                                     (0-80) 3.00%
                                                                                                    (81-85) 2.50%

                                                                                                    TX commissions
                                                                                                         vary


                100% of prem.    Full AV   10% on AV      Can be used as a 5x5     AL, AK, CT,           Year 1
                 in yrs. 1-13,             after year 1                           MN, MS, NJ, NY,    (0-80) 9.00%
                 at 2%. 3.0%                              Nursing Home Waiver      OR, SC, VT,      (81-85) 7.00%
                   thereafter                                                         UT, WA           Years 2-6
                                                                                                     (0-80) 4.00%
                                                                                                    (81-85) 2.50%




                100% of prem.    Full AV   10% on AV      Can be used as a 5x5     AL, AK, CT,           Year 1
                 in yrs. 1-13,             after year 1                           MN, MS, NJ, NY,    (0-80) 9.00%
                 at 2%. 3.0%                              Nursing Home Waiver      OR, SC, VT,         Years 2-6
                   thereafter                                                         UT, WA         (0-80) 4.00%


                                                                                                    TX commissions
                                                                                                         vary




                100% of prem.    Full AV   10% on AV          Nursing Home          AL, AK, DE,       (0-80) 8.25%
                 in yrs. 1-13,             after year 1 Confinement Endorsement      MS, NY,         (81-85) 6.50%
                 at 2%. 3.0%                                                          OR, VT         (86-90) 3.00%
                     thereafter                                   Checkbook access
                                                                                                                        CT, MN, NJ, TX, UT, WA
                                                                                                                            commission vary




                   100% of prem.     Full AV      10% on AV          Nursing Home              AL, AK, CT, DE,               (0-80) 6.25%
                    in yrs. 1-13,                 after year 1 Confinement Endorsement         MN, MS, NJ, NY,              (81-85) 5.00%
                    at 2%. 3.0%                                                                  OR, UT, VT
                      thereafter                                  Checkbook Access                   WA

                                                                                                                           TX commissions
                                                                                                                                vary




mance, and market profile. A.M. Best uses a scale of 15 ratings, ranging from "A++" to "F."
ovember 2002. Standard & Poor's uses a scale of AAA (superior financial security) to CCC (extremely vulnerable financial security).
ecurity characteristics of an insurance organization with respect to its ability to pay under it’s insurance policies and contracts in
panies, Inc., and is licensed for use by Americo Life, Inc.

 merUs Life & Insurance Company
       611 5th Ave. Des Moines, IA 50306
        AM Best A S&P A+ Moody's A1

                   1-3% on 87.5%     Full AV      10% on AV      Nursing Home Waiver     AL, AZ, AR, CA, CO, DC, GA,             Year 1
                                                    in year 1 Home Health Care Waiver FL, ID, IL, IN, KS, KY, LA, ME,        (0-75) 3.00%
                                                  (up to 20%         Terminal Illness     MD, MA, MI, MS, NE, NH,           (76-80) 2.05%
                                                  Free W/D in      Checkbook Access        NC, NY, OK, RI, SC, SD,          (81-83) 1.95%
                                                current contract Lifetime Pay Plus Rider  TN, TX, UT, VA, VT, WV,               Yrs. 2-3
                                                 yr, if NO w/d                                     WI, WY                    (0-75) 1.50%
                                                   was taken                                                                (76-80) 1.03%
                                                  in the prior                                                              (81-83) 0.97%
                                                  contract yr.)                                                                  Trails:
                                                                                                                                Option 2
                                                                                                                                Option 3
1-3% on 87.5%   Full AV     10% on AV      Nursing Home Waiver     AL, AZ, AR, CA, CO, DC, GA,        Year 1
                              in year 1 Home Health Care Waiver FL, ID, IL, IN,KS, KY, LA, ME,    (0-75) 4.00%
                            (up to 20%         Terminal Illness     MD, MA, MI, MS, NE, NH,      (76-80) 2.75%
                            Free W/D in      Checkbook Access        NC, NY, OK, RI, SC, SD,       (81) 2.75%
                          current contract Lifetime Pay Plus Rider  TN, TX, VT, VA, UT, WV,          Yrs. 2-3
                           yr, if NO w/d                                     WI, WY               (0-75) 2.00%
                             was taken                                                           (76-80) 1.38%
                            in the prior                                                           (81) 1.38%
                            contract yr.)                                                             Trails:
                                                                                                     Option 2
                                                                                                     Option 3




1-3% on 87.5%   Full AV    10% on AV   Nursing Home Waiver     AL, AZ, AR, CA, CO, DC, GA,            Year 1
                            in year 1 Home Health Care Waiver FL, ID, IL, IN, KS, KY, LA, ME,     (0-75) 7.50%
                                           Terminal Illness     MD, MA, MI, MS, NE, NH,          (76-78) 5.50%
                                         Checkbook Access        NC, NY, OK, RI, SC, SD,             Yrs. 2-5
                                       Lifetime Pay Plus Rider  TN, TX, UT, VA, VT, WV,           (0-75) 3.75%
                                                                           WI, WY                (76-78) 2.75%
                                                                                                      Trails:
                                                                                                     Option 2
                                                                                                     Option 3




1-3% on 87.5%   Full AV    10% on AV   Nursing Home Waiver    AL, AZ, AR, CA, CO, DC, GA,             Year 1
                            in year 1 Home Health Care Waiver FL, ID, IL, IN, KS, KY, LA, ME,     (0-75) 7.50%
                           (up to 20%    Terminal Illness       MD, MA, MI, MS, NE, NH,          (76-78) 5.50%
                           Free W/D in  Checkbook Access         NC, NY, OK, RI, SC, SD,             Yrs. 2-5
                             current contract Lifetime Pay Plus Rider   TN, TX, UT, VA, VT, WV,      (0-75) 3.75%
                              yr, if NO w/d                                     WI, WY              (76-78) 2.75%
                                was taken                                                                Trails:
                               in the prior                                                             Option 2
                               contract yr.)                                                            Option 3



                                                                                                  CT, DE, MN, PA, WA
                                                                                                       please call




87.5% @ varies    Full          Up to 5%         LifetimePay Plus              AK, DE,                 Opttion 1
 between 1-3% Accumulation     of annuity's    Confinement Waiver               MN,                  (0-75) 5.00%
                 Value        Accumulated     Terminal Illness Waiver          NJ, NY,              (76-80) 3.50%
                              Value in the                                     OR, PA,                 Years 2-3
                              1st contract                                       WA                  (0-75) 2.50%
                              year without                                                          (76-80) 1.75%
                                 charge.
                                                                                                       Option 2
                               Up to 10%                                                             (0-75) 3.25%
                             Accumulated                                                            (76-80) 2.50%
                              Value as of                                                                Trail:
                             your previous                                                           (0-75) 0.40%
                                contract                                                            (76-80) 0.25%
                              anniversary                                                              Years 2-5
                             without charge                                                          (0-75) 1.63%
                                or MVA.                                                             (76-80) 1.25%



87.5% @ varies    Full          Up to 5%         LifetimePay Plus              AK, DE,                 Opttion 1
 between 1-3% Accumulation     of annuity's    Confinement Waiver                MN,                 (0-75) 7.50%
                 Value        Accumulated     Terminal Illness Waiver          NJ, NY,              (76-78) 5.50%
                              Value in the                                     OR, PA,                 Years 2-5
                              1st contract                                       WA                  (0-75) 3.75%
                              year without                                                          (76-78) 2.75%
                                 charge.
                                                                                                       Option 2
                               Up to 10%                                                             (0-75) 4.25%
                             Accumulated                                                            (76-78) 3.25%
                              Value as of                                                                Trail:
                             your previous                                                           (0-75) 0.75%
                                contract                                                            (76-78) 0.50%
                              anniversary                                                              Years 2-5
                             without charge                                                          (0-75) 2.13%
                                or MVA.                                                  (76-78) 1.63%




87.5% @ varies    Full         Up to 5%          LifetimePay Plus        AK, DE,            Opttion 1
 between 1-3% Accumulation    of annuity's     Confinement Waiver         MN,            (0-75) 7.00%
                 Value       Accumulated      Terminal Illness Waiver    NJ, NY,         (76-78) 5.00%
                             Value in the                                OR, PA,            Years 2-5
                             1st contract                                  WA             (0-75) 3.50%
                             year without                                                (76-78) 2.50%
                                charge.
                                                                                             Option 2
                               Up to 10%                                                 (0-75) 3.75%
                             Accumulated                                                 (76-78) 2.75%
                              Value as of                                                     Trail:
                             your previous                                                (0-75) 0.75%
                                contract                                                 (76-78) 0.50%
                              anniversary                                                   Years 2-5
                             without charge                                              (0-75) 1.88%
                                or MVA.                                                  (76-78) 1.38%

                                                                                       AK, CT, DE, MN, OR,
                                                                                           PA, UT, WA
                                                                                         commissions vary
                                                                                      ***some states are not
                                                                                      approved at this time***



87.5% @ varies    Full         Up to 5%          LifetimePay Plus       AK, CT, DE,         Opttion 1
 between 1-3% Accumulation    of annuity's     Confinement Waiver           MN,          (0-75) 7.50%
                 Value       Accumulated      Terminal Illness Waiver    NJ, NY,         (76-78) 5.50%
                             Value in the                                OR, PA,            Years 2-5
                             1st contract                                UT, WA           (0-75) 3.75%
                             year without                                                (76-78) 2.75%
                                charge.
                                                                                             Option 2
                               Up to 10%                                                 (0-75) 4.25%
                             Accumulated                                                 (76-78) 3.50%
                              Value as of                                                     Trail:
                             your previous                                                (0-75) 0.75%
                                contract                                                 (76-78) 0.50%
                              anniversary                                                   Years 2-5
                             without charge                                              (0-75) 2.13%
                                or MVA.                                                  (76-78) 1.75%
 made before age 59 1/2 may be subject to an IRS tax penalty. Annuities contain limitations, including surrender charges, cap rates and a market value adjustment which may
agent use not intended for soliciting annuity sales from the public. A8549 (06/04)



               Annuity Investors
        PO Box 5423 Cincinnati, OH 45201
              AM Best A S&P A+

                         1% on 100%          Greater of         1st contract        Income Sustainer                       NY, VT                   Varies for Q and NQ
                                              Account             yr, 10%            Extended Care                                                 as well as Flexible and
                                           Value or GMSV         purchase            Terminal Illness                                                Single premiums.
                                                                 payment.
                                                                                                                                                       Please call your
                                                                After 1st                                                                                Marketer for
                                                               contract yr,                                                                             Commissions
                                                               10% sum of                                                                             and a Commission
                                                              account value                                                                               Schedule




                          1% on 90%          Greater of         1st contract        Income Sustainer                    DE, NY, VT                  Varies for Q and NQ
                                              Account             yr, 10%            Extended Care                                                 as well as Flexible and
                                           Value or GMSV         purchase            Terminal Illness                                                Single premiums.
                                                                 payment.
                                                                                                                                                       Please call your
                                                                After 1st                                                                                Marketer for
                                                               contract yr,                                                                             Commissions
                                                               10% sum of                                                                             and a Commission
                                                              account value                                                                               Schedule
quitrust Life Insurance Company ®
14500 5400 University Ave. West Des Moines, IA 50266
           AM Best B+ S&P A-

                2% on 87.5%   accum. value   Interest only   Nursing Home Waiver     CT, DE, FL,      (0-75) 8.50%
                                at death      1st contract                             MN, NY,
                                                yr. 10%                            OR, TX, UT, WA
                                                account                                              Varies for AK & IL
                                              value years
                                                   2+




                2% on 87.5%   accum. value   Interest only     High commission       NY, OR, TX       (0-80) 6.50%
                                at death      1st contract
                                                yr. 10%       Full Death Benefit                    Additional Premium:
                                                account                                               3.25% yrs 2-5
                                              value years    Nursing Home Waiver
                                                   2+




                2% on 87.5%   accum. Value   Interest only    Full Death Benefit     NY, OR, TX       (0-80) 5.50%
                                at death      1st contract
                                                yr. 10%         Nursing Home                        Additional Premium:
                                                account            Waiver                             2.75% yrs 2-3
                                              value years
                                                   2+
2% on 87.5%    accum. Value   Interest only      Nursing Home          AK, CT, DE, FL,         (0-80) 6.00%
                 at death      1st contract         Waiver                   MN,
                                 yr. 10%                                NY, OR, TX,          Additional Premium:
                                 account                                   UT, WA              3.00% yrs 2-5
                               value years
                                    2+




 87.5% prem. Accum. Value     Interest only   Nursing Home Waiver      AK, CT, DE, FL,         (0-75) 9.00%
  less partial  at death       1st contract                                 MN,
  w/d, plus int                  yr. 10%                                    NY,
earned between                   account                                OR, TX, UT,
  1% and 3%                    value years                                   WA
                                    2+




Between 1-3%   Accumulation     After 1st     Nursing Home Waiver    AK, CT, DE, MN, NY,       (0-80) 6.00%
   on 100%       Value at      contract yr,    Return of Premium       OR, TX, UT, WA
                  death        up to 10%        Income For Life                              Additional premium:
                              Accumulation                                                     3.00% yrs 2-5
                                 Value




Between 1-3%   Accumulation     After 1st     Nursing Home Waiver      Only Available In:      (0-80) 6.00%
  on 87.5%       Value at      contract yr,    Return of Premium    CT, DE, OR, TX, UT, WA
                  death        up to 10%        Income For Life
                              Accumulation
                                 Value
rethought Life Insurance Company
Forethought Center Batesville, IN 47006-9170
 AM Best A- (Excellent) S&P A- (Strong)

               1-3% on 87.5%   Full Contract         10%         Nursing Home Waiver    AK, NV, NY,    (0-75) 7.00%
                                Value w/o      Contract Value Terminal Illness Waiver    OR, WA       (76-85) 5.00%
                               WD charges       after 1st year
                                                               Increased DB Guarantee
                                                                         Rider

                                                               Guaranteed Lifetime
                                                                 Income Benefit




               1-3% on 87.5%   Full Contract    10% of the    Nursing Home Waiver        AK, DE,       (0-75) 8.00%
                                Value w/o      beginning of Terminal Illness Waiver     NY, OR, WA    (76-85) 5.50%
                               WD charges        the year
                                                 Contract (GLIB) Guaranteed Lifetime
                                                  Value     Income Benefit Plus Rider
                                                 after 1st
                                                 contract     Optional Increased DB
                                                   year.           Guarantee
     Great American
PO Box 5423 Cincinnati, OH 45201
 AM Best A S&P A+ Moody's A2

             1.00%        Account         10%            Easy Systematic                 NY              (0-75) 5.50%
                         Value, not     Purchase         Payment Program                                (76-80) 5.10%
                         less than      Payments                                                        (81-85) 3.50%
                        Guaranteed      received       Terminal Illness Waiver
                            Min          in 1st             LTC Waiver
                         Surrender      contract
                           Value           yr.           IncomeSustainer -
                                                            extra charge

                                                       Income Sustainer Plus



             1.00%        Account         10%          Terminal Illness Waiver    Only Available in:     (0-75) 6.00%
                         Value, not     Purchase            LTC Waiver           DE, HI, MN, MO, NJ,    (76-80) 4.50%
                         less than      Payments                                     OR, PA, TX         (81-85) 2.50%
                        Guaranteed      received       IncomeSustainer Rider-
                            Min          in 1st             extra charge
                         Surrender      contract
                           Value           yr.




           1% on 100%     Greatest        10% of           Extended Care               DE, NY          (18-75) Q 6.50%
                         of Account      purchase      Terminal Illness Waiver                         (0-75) NQ 6.50%
                        Value, GMSV,     payment         Return of Premium                              (76-80) 5.50%
                         or Return of    during 1st       IncomeSustainer                               (81-85) 2.50%
                          Premium       contract yr.   Income Sustainer Plus
                                         After 1st                                                      Please call for
                            contract yr.,                                                  trail options
                            10% of acct
                               value




1% on 90%     Greater of       10% of         IncomeSustainer            DE, NY          (18-75) Q 4.00%
  GMSV       the Account      purchase         Extended Care                             (0-75) NQ 4.00%
               Value or       payment          Terminal Illness                           (76-80) 3.00%
                GMSV          during 1st   Income Sustainer Plus                          (81-85) 2.00%
                             contract yr.
                              After 1st                                                   Please call for
                             contract yr.,                                                 trail options
                           10% of account
                                value




1% on 100%    Greater of       10% of      IncomeSustainer Plus    DE, HI, MN, MO, NH,   (18-75) Q 6.00%
  GMSV       the Account      purchase        IncomeSustainer      NJ, NY, OR, PA, TX    (0-75) NQ 6.00%
               Value or       payment          Extended Care                              (76-80) 4.50%
                GMSV          during 1st       Terminal Illness                           (81-85) 2.50%
                             contract yr.
                              After 1st                                                   Please call for
                             contract yr.,                                                 trail options
                           10% of account
                                value
               ING USA
     909 Locust St Des Moines, IA 50309
ellent) S&P A (Strong) Moody's A2 (Good) Fitch A- (Strong)
                                                                                                                  AD040341
                2% on 87.5%     Greater of      10% accum       Nursing Home Waiver         Only Available In:     Option A
                                 AV & the       value each      Terminal Illness Waiver     AK, CT, DE, MN,         6.00%
                                  Min Gtd        contract yr                                  NJ, PA, WA            No Trail
                               contract value                                                                      Option B
                                                                                                                    4.50%
                                                                                                                  0.25% Trail
                                                                                                                   Option C
                                                                                                                    2.00%
                                                                                                                  0.66% Trail
                                                                                                                   Option D
                                                                                                                    2.00%
                                                                                                                  0.66% Trail




                1.5% on 100%      Full AV       Interest only     Short Surrender                NY, OR             Option A:
                                                   in yr. 1     Nursing Home Waiver                               Yr. 1 - 4.00%
                                                10% of AV in                                                         No Trail
                                                  years 2+                                                       Yrs. 2-4 - 2.00%
                                                                 IncomeProtector WD                                  No Trail
                                                                Benefit (varies by state)                           Option B:
                                                                                                                  Yr. 1 - 2.75%
                                                                                                                    0.25% trail
                                                                                                                 Yrs. 2-4 - 1.37%
                                                                                                                    0.25% trail
                                                                                                                    Option C:
                                                                                                                  Yr. 1 - 1.50%
                                                                                                                    0.50% trail
                                                                                                                 Yrs. 2-4 - .75%
                                                                                                                    0.50% trail
                                                                                                                    Option D:
                                                                                                                  Yr. 1 - 1.50%
                                                                                                                    0.50% trail
                                                                                                                 Yrs. 2-4 - .75%
                                                                                                                    0.50% trail
1% on 100%     Full AV      Interest only   Nursing Home Waiver             NY, OR              Option A:
                               in yr. 1                                                       Yr. 1 - 5.00%
                            10% of AV in                                                          No Trail
                              years 2+                                                       Yrs. 2-5 - 2.75%
                                             IncomeProtector WD                                   No Trail
                                            Benefit (varies by state)                           Option B:
                                                                                              Yr. 1 - 4.50%
                                                                                                 .10% trail
                                                                                             Yrs. 2-5 - 2.47%
                                                                                                 .10% trail
                                                                                                Option C:
                                                                                              Yr. 1 - 3.75%
                                                                                                 .25% trail
                                                                                             Yrs. 2-5 - 2.06%
                                                                                                 .25% trail
                                                                                                Option D:
                                                                                              Yr. 1 - 1.25%
                                                                                                0.75% trail
                                                                                             Yrs. 2-5 - .68%
                                                                                                0.75% trail


 2.00% on      Full AV      Interest only   Nursing Home Waiver          AK, CT, DE,            Option A:
  87.50%                       in yr. 1                                 MN, NJ, NY, OR,     7.00% with No Trail
                            10% of AV in     IncomeProtector WD               WA                Option B:
                              years 2+      Benefit (varies by state)                     5.50% with a .25% trail
                                                                                                Option C:
                                                                                          3.00% with a .66% trail
                                                                                                Option D:
                                                                                          2.50% with a 0.75% trail




1% on 100%    Greater of    10% AV each     Indexes: S&P and                  NY                Option A:
             Accumulation   contract year Dow Jones EuroStoxx 50                             Yrs. 1-3 - 4.25%
                            value or Min     beginning     Nursing Home Waiver                   0.15% trail
                             Guarantee        in year 1    Terminal Illness Waiver            Yrs. 4-5 - 2.12%
                           contract value                                                        0.15% trail
                                                                                                 Option B:
                                                               At end of 6th year,            Yrs. 1-3 - 1.50%
                                                            30 day window to take                0.75% trail
                                                           full/partial withdrawal (no        Yrs. 4-5 - 0.75%
                                                                     penalty)                    0.75% trail
                                                                                                 Option C:
                                                                                              Yrs. 1-3 - 1.50%
                                                                                                 0.75% trail
                                                                                              Yrs. 4-5 - 0.75%
                                                                                                 0.75% trail
                                                                                                 Option D:
                                                                                              Yrs. 1-3 - 1.50%
                                                                                                 0.75% trail
                                                                                              Yrs. 4-5 - 0.75%
                                                                                                 0.75% trail


              1% on 100%     Greater of     10% AV each      Indexes: S&P and            NY      Option A:
                           Accumulation     contract year Dow Jones EuroStoxx 50              Yrs. 1-3 - 6.00%
                            value or Min     beginning     Nursing Home Waiver                     No trail
                             Guarantee        in year 1    Terminal Illness Waiver            Yrs. 4-5 - 3.00%
                           contract value                                                          No trail
                                                                                                 Option B:
                                                                                              Yrs. 1-3 - 4.50%
                                                                                                 0.25% trail
                                                                                              Yrs. 4-5 - 2.25%
                                                                                                 0.25% trail
                                                                                                 Option C:
                                                                                              Yrs. 1-3 - 3.00%
                                                                                                 0.50% trail
                                                                                              Yrs. 4-5 - 1.50%
                                                                                                 0.50% trail
                                                                                                 Option D:
                                                                                              Yrs. 1-3 - 1.50%
                                                                                                 0.75% trail
                                                                                              Yrs. 4-5 - 0.75%
                                                                                                 0.75% trail




Jackson National Life Insurance
   1 Corporate Way Lansing, MI 48951
AM Best A+ Fitch AA S&P AA Moody's A1

             1-3% on 90%   Greater of AV     Up to 10%     Extended Care Benefit         NY      Option A
                              or the        Accumulation   Terminal Illness Benefit            (0-80) 6.00%
                Special          Value                                       (81-88) 2.50%
              Benefit Value     annually     Annuitization Optional
                                                                                Option B
                                                                             (0-80) 4.00%
                                                                               0.50% Trail
                                                                             (81-88) 1.50%
                                                                               0.25% Trail

                                                                                Option C
                                                                             (0-80) 1.10%
                                                                               1.10% Trail
                                                                             (81-88) 0.50%
                                                                               0.50% Trail




1-3% on 90%   Greater of AV    Up to 10%     Extended Care Benefit      NY      Option A
                 or the       Accumulation   Terminal Illness Benefit         (0-80) 9.00%
                Special          Value                                       (81-85) 4.00%
              Benefit Value     annually     Annuitization Optional
                                                                                Option B
                                                                             (0-80) 6.00%
                                                                               0.50% Trail
                                                                             (81-85) 2.50%
                                                                               0.25% Trail

                                                                                Option C
                                                                             (0-80) 1.10%
                                                                               1.10% Trail
                                                                             (81-85) 0.60%
                                                                               0.60% Trail
Lafayette Life Insurance Company
905 Teal Rd. PO Box 7007 Lafayette, IN 47903
      AM Best A+ Fitch AA S&P AA+

                 3% on 90%   Policy Value    After 1st     AK, NY, VT    (0-76) 2.00%
                                            policy year,                (77-85) 1.00%
                                                up to                   Year 2: 1.00%
                                            10% of the                  Year 3: 0.60%
                                            policy value




                 3% on 90%   Policy Value    After 1st     AK, NY, VT     Ages 0-75
                                            policy year,                 Yr 1: 4.00%
                                                up to                    Yr 2: 3.00%
                                            10% of the                   Yr 3: 2.00%
                                            policy value                 Yr 4: 1.00%
                                                                         Yr 5: 0.50%

                                                                          Ages 76+
                                                                         Yr 1: 3.00%
                                                                         Yr 2: 2.00%
                                                                         Yr 3: 2.00%
                                                                         Yr 4: 1.00%
                                                                         Yr 5: 0.50%




                 3% on 90%   Policy Value    After 1st     AK, NY, VT     Ages 0-70
                                            policy year,                 Yr 1: 6.00%
                                               up to                     Yr 2: 5.00%
                           10% of the                                               Yr 3:   4.00%
                           policy value                                             Yr 4:   3.00%
                                                                                    Yr 5:   2.00%
                                                                                    Yr 6:   1.00%
                                                                                    Yr 7:   0.50%

                                                                                    Ages 71-80
                                                                                    Yr 1: 5.00%
                                                                                    Yr 2: 4.00%
                                                                                    Yr 3: 4.00%
                                                                                    Yr 4: 3.00%
                                                                                    Yr 5: 2.00%
                                                                                    Yr 6: 1.00%
                                                                                    Yr 7: 0.50%

                                                                                     Ages 81+
                                                                                    Yr 1: 4.00%
                                                                                    Yr 2: 3.00%
                                                                                    Yr 3: 3.00%
                                                                                    Yr 4: 2.50%
                                                                                    Yr 5: 2.00%
                                                                                    Yr 6: 1.00%
                                                                                    Yr 7: 0.50%


3% on 90%   Policy Value    After 1st     Premium Bonus Rider is      AK, NY, VT      Ages 0-70
                           policy year,    additional interest you                  Yr 1: 8.00%
                               up to        may earn on the net                     Yr 2: 7.00%
                           10% of the        premiums received                      Yr 3: 6.00%
                           policy value   during the 1st 180 days                   Yr 4: 5.00%
                                           after the annuity poilcy                 Yr 5: 4.00%
                            If WD is                 date.                          Yr 6: 3.00%
                              taken                                                 Yr 7: 2.00%
                                                                                     yr 8: 1.50%
                                                                                     yr 9: 1.00%
                                                                                    yr 10: 0.50%


                                                                                     Ages 71-80
                                                                                    Yr 1: 7.00%
                                                                                   Yrs 2-3: 6.00%
                                                                                    Yr 4: 5.00%
                                                                                    Yr 5: 4.00%
                                                                                    Yr 6: 3.00%
                                                                                    Yr 7: 2.00%
                                                                                     yr 8: 1.50%
                                                                                     yr 9: 1.00%
                                                                                    yr 10: 0.50%
                                                                                                               Ages 81+
                                                                                                             Yr 1: 5.00%
                                                                                                            Yrs 2-3: 4.00%
                                                                                                            Yrs 4-5: 3.00%
                                                                                                            Yrs 6-7: 2.00%
                                                                                                              yr 8: 1.50%
                                                                                                              yr 9: 1.00%
                                                                                                             yr 10: 0.50%




     Legacy Marketing Group
g Servies: 2090 Marina Ave. Petaluma, CA 94954-6714
Services (new business): 777 Research Dr. Lincoln, NE 68501

                87.5% growing     (0-75)       Greater of      Checkbook access       Freedom & SE                (0-80)
                 at between      Greater          10% of                            AK, AL, CT, MA, MN,      Freedom: 8.00%
                  1% & 3%        of cash      annuity value    Confinement Waiver       NY, OR, TX,        Freedom SE: 7.00%
                                 value or     annually up to        Provision           UT, VT, WA          Freedom 7: 5.00%
                                 Min guar       maximum                                                   Freedom 7 SE: 4.00%
                                  value         lifetime of                         Freedom 7 & 7 SE             (81-85)
                                                    50%                                 AL, MA,              Freedom: 4.00%
                                   (75+)                                                NY, OR,            Freedom SE: 3.50%
                                  Greater                                                 VT                Freedom 7: 2.00%
                                  of prem                                                                 Freedom 7 SE: 2.00%
                                    less
                                withdrawals
                                     or
                                 surrender
                                   value
   Between       Full AV    10% free        Confinement Waiver           Only Available In:           0-75
1% and 3% on               withdrawals                                   DE, IN, KY, MO,         No Bonus: 8%
    87.50%                 after year 1      Checkbook Access              NH, NJ, NV,            Ten Plus: 7%
  (varies by                                                               PA, VA, WY                76-80
 state & issue                                                                                  No Bonus: 6.00%
     date)                                                                                      Ten Plus: 5.25%
                                                                                                     81-85
                                                                                                No Bonus: 4.00%
                                                                                                Ten Plus: 3.50%




   Between       Full AV      10%            Checkbook Access           AK, AL, CT, DE, IL,            0-70
1% and 3% on                Annuity                                      IN, KY, MA, MN,          Ten SE: 8.00%
    87.50%                 Value after                                   MO, NV, NH, NJ,         Ten SE 5: 7.50%
  (varies by                1st year                                    NY, OR, PA, UT, TX,      Ten SE 8: 7.00%
 state & issue                                                           VT, VA, WA, WY
     date)                                                                                            71-75
                                                                                                  Ten SE: 6.00%
                                                                                                 Ten SE 5: 5.63%
                                                                                                 Ten SE 8: 5.25%

                                                                                                      76-80
                                                                                                  Ten SE: 4.00%
                                                                                                 Ten SE 5: 3.75%
                                                                                                 Ten SE 8: 3.50%

                                                                                                      81-85
                                                                                                  Ten SE: 4.00%
                                                                                                 Ten SE 5: 2.00%
                                                                                                 Ten SE 8: 1.75%




   Between       Full AV    10% free        Checkbook Access               SE & SE Plus          PremierMark SE
1% and 3% on               withdrawals      Confinement Waiver            AK, AL, CT, DE,     Guaranteed 1yr Strategy
    87.50%                 after year 1    Beneficiary Rider Plus       KY, ME, MN, NH, NJ,         (0-80) 7.00%
  (varies by                                                              NY, OR, PA, RI,          (81-85) 3.50%
 state & issue                                                            UT,VA, VT, WA,       3 yr Blended Strategy
     date)                                 Enhanced Care Rider -                WI                  (0-80) 7.00%
                                            0.65% cost for rider                                   (81-85) 3.50%
                                          Not available in all states                             1yr Gold Pt to Pt
                                                                            SE Plus 10              (0-80) 7.00%
                                                                           AK, AL, CT,             (81-85) 3.50%
                                                                                         KY, ME, MN,
                                                                                            MO, NH,           PremierMark SE Plus
                                                                                       NJ, NY, OR, RI, TX,   Guaranteed 1yr Strategy
                                                                                           UT, VA, VT,            (0-80) 4.00%
                                                                                            WA, WI            3 yr Blended Strategy
                                                                                                                  (0-80) 4.00%
                                                                                                                 1yr Gold Pt to Pt
                                                                                                                  (0-80) 4.00%

                                                                                                              PremierMark SE Plus
                                                                                                                        10
                                                                                                             Guaranteed 1yr Strategy
                                                                                                                  (0-80) 2.50%
                                                                                                              3 yr Blended Strategy
                                                                                                                  (0-80) 2.50%
                                                                                                                 1yr Gold Pt to Pt
                                                                                                                  (0-80) 2.50%


               Between 1-3%    Greater of       After 1st      Checkbook Access        AL, AK, CT, MA, MN,        (0-79) 7.50%
                 on 87.5%     Full Account    contract yr,                                 NY, OR, UT            (80-85) 3.75%
                               Value or        up to 10%     Nursing Home Waiver
                                MGSV           of vested     Terminal Illness Waiver
                                             account value   Unemployment Waiver
                                               as of prior
                                              anniversary.   Income Freedom Rider
                                                                                       AdvanceMark LT
                                                                                       TX & WA approved




urance Company of the Southwest (LSW)
 1300 W. Mockingbird Ln. Dallas, TX 75247
      AM Best A S&P A Moody's A2

                 varies by      Full AV          10%                Nursing                AK, NJ, NY,               (0-75)
    state         on       on AV        Home               OR               yr 1: 7.00%
                  Ann       After       Rider                             yrs 2-10: 3.50%
                           1st Yr                                         yrs 11+: 2.25%
                                                                               (76-80)
                                                                            yr 1: 6.00%
                                                                          yrs 2-10: 2.50%
                                                                          yrs 11+: 1.25%
                                                                               (81-85)
                                                                            yr 1: 4.00%
                                                                          yrs 2-10: 1.50%
                                                                          yrs 11+: 0.75%

  varies by        AV       Yes        Nursing      AK, CT, NJ, NY, OR,         (0-65)
    state          on       10%         Home                WA              yr 1: 10.00%
                  ANN      on AV        Rider                              yrs 2-5: 7.00%
                            After                                         yrs 11-15: 2.50%
                           1st Yr
                                                                               (66-70)
                                                                            yr 1: 10.00%
                                                                           yrs 2-5: 6.00%
                                                                          yrs 11-15: 2.50%

                                                                                (71-75)
                                                                             yr 1: 9.00%
                                                                           yrs 2-5: 5.00%
                                                                          yrs 11-15: 2.50%

                                                                                (76-80)
                                                                             yr 1: 8.00%
                                                                           yrs 2-5: 3.50%



90% growing      Full AV   10% av      flexible          NY, OR,                (0-75)
  at a model      on        after    403(B) TSA            WA                yr 1: 5.00%
 index which      Ann       1st yr       only                              yrs 2-7: 2.50%
  is currently                       Nursing Care                         yrs 8-10: 1.80%
     1.95%                              Rider
                                                                               (76-80)
                                                                            yr 1: 3.50%
                                                                          yrs 2-7: 2.025%
                                                                          yrs 8-10: 1.35%

                                                                               (81-85)
                                                                            yr 1: 3.50%
                                                                          yrs 2-7: 1.35%
                                                                          yrs 8-10: 0.90%

                                                                               (86-89)
                                                                            yr 1: 1.80%
                                                                                           yrs 2-7: 0.90%


1.95% on 90%   Full AV   10% av after   Special Enhanced Life           MT, NV,             (0-75) 6.00%
                           year 1       Income Option (SELI)            NY, OR             (76-85) 3.50%


                                        Guaranteed Lifetime
                                        Income Rider (GLIR)




1.95% on 90%   Full AV   10% av after   Special Enhanced Life       CT, IN, MT, NV,         (0-75) 7.00%
                           year 1       Income Option (SELI)        NJ, NY, OR, UT,        (76-80) 5.00%
                                                                          WA
                                        Nursing Home Benefit
                                        Terminal Illness Rider




Between 1-3%   Full AV   10% AV after   Guaranteed Lifetime           CT, IN, MT,           (0-75) 7.00%
  on 87.5%                  year 1         Income Rider           NJ, NY, OR, PA, WA       (76-80) 5.00%

                                        Nursing Home Benefit
                                        Terminal Illness Rider




   2.45%       Full AV   10% av after   Special Enhanced Life    AK, AL, CT, GA, IL, MN,   (0-70) 7.00%
                                                      year 1      Income Option (SELI)     NJ, NY, OR, PA,   (71-75) 6.00%
                                                                                               UT, WA        (76-80) 4.00%
                                                                  Nursing Home Benefit
                                                                  Terminal Illness Rider




            Lincoln Benefit
     2940 S. 84th St Lincoln, NE 68504
     AM Best A+ S&P AA- Moody's A1

                  Min. contract      Greater of        10%            Confinement            NY, OR, WA      (0-75) 3.45%
                   value equals     accumulated      after yr 1         Waiver                               (76-85) 2.40%
                 90% of premium      value and
                     payment        the contract
                  compounded           value
                  at 3% interest
                     annually




     Lincoln Financial Group
  2001 Market St. 4th Floor Philadelphia, PA 19103
AM Best A+ S&P AA- Moody's A2 Fitch A+

                      1.75%          Greater of   10% AV per      Nursing Home Rider             NY            Schedule A
                                     AV or the    contract yr.    Terminal Illness Rider                      (0-75) 3.50%
                                   Guaranteed min                                                            (76-80) 2.75%
                                   Non surrender                                                             (81-85) 1.75%
                                       value                                                                   Schedule B
                                                                                                              (0-75) 2.50%
                                                                                                               0.25% Trail
                                                                                                               (76-85) N/A




                      2.00%          Greater of   10% AV per      Nursing Home Rider             NY            Schedule A
                                     AV or the    contract yr.    Terminal Illness Rider                      (0-75) 4.50%
                                   Guaranteed min                                                            (76-80) 3.50%
        Non surrender                                                                  (81-85) 2.25%
            value                                                                        Schedule B
                                                                                        (0-75) 3.25%
                                                                                         0.25% Trail
                                                                                       (76-80) 2.25%
                                                                                         0.25% Trail
                                                                                         (81-85) N/A




1.60%     Greater of   10% AV per     Nursing Home Rider           FL, MN, NY,           Schedule A
          AV or the    contract yr.   Terminal Illness Rider         OR, UT             (0-75) 6.00%
        Guaranteed min                                                                 (76-80) 4.00%
        Non surrender                                                                  (81-85) 2.00%
            value                                                                        Schedule B
                                                                                        (0-75) 4.75%
                                                                                     Yrs 2-3: 0.25% trail
                                                                                       (76-80) 2.75%
                                                                                     Yrs 2-6: 0.25% trail
                                                                                         (81-85) N/A
                                                                                         Schedule C
                                                                                        (0-75) 3.50%
                                                                                     Yrs 2-6: 0.50% trail
                                                                                         (76-85) N/A




1.80%     Greater of   10% AV per     Nursing Home Rider          AK, FL, MN,            Schedule A
          AV or the    contract yr.   Terminal Illness Rider      NY, OR, UT            (0-75) 7.00%
        Guaranteed min                                                                 (76-80) 4.75%
        Non surrender
            value                                                                        Schedule B
                                                                                        (0-75) 5.50%
                                                                                     Yrs 2-8: 0.25% trail
                                                                                       (76-80) 3.25%
                                                                                     Yrs 2-8: 0.25% trail

                                                                                         Schedule C
                                                                                        (0-75) 4.00%
                                                                                     Yrs 2-8: 0.50% trail



2.00%     Greater of   10% AV per     Nursing Home Rider       AK, CT, DE, FL, MN,       Schedule A
          AV or the    contract yr.   Terminal Illness Rider   NY, OR, TX, UT, WA       (0-75) 4.00%
        Guaranteed min                                                                   (76-83) N/A
        Non surrender                                                                    Schedule B
            value                                                      (0-75) 2.50%
                                                                    Yrs 2-10: 0.25% trail
                                                                         (76-83) N/A




1.25%     Greater of   10% AV per     Nursing Home Rider       NY       Schedule A
          AV or the    contract yr.   Terminal Illness Rider           (0-75) 5.00%
        Guaranteed min                                                (76-80) 3.75%
        Non surrender                                                 (81-85) 2.50%
            value                                                       Schedule B
                                                                       (0-75) 4.25%
                                                                    Yrs 2-4: 0.25% trail
                                                                      (76-80) 3.00%
                                                                    Yrs 2-4: 0.25% trail
                                                                      (81-85) 1.75%
                                                                    Yrs 2-4: 0.25% trail
                                                                        Schedule C
                                                                       (0-75) 3.50%
                                                                    Yrs 2-4: 0.50% trail
                                                                      (76-80) 2.25%
                                                                    Yrs 2-4: 0.50% trail
                                                                        (81-85) N/A


1.50%     Greater of   10% AV per     Nursing Home Rider       NY       Schedule A
          AV or the    contract yr.   Terminal Illness Rider           (0-75) 6.00%
        Guaranteed min                                                (76-80) 4.50%
        Non surrender                                                 (81-85) 3.00%
            value                                                       Schedule B
                                                                       (0-75) 4.75%
                                                                    Yrs 2-4: 0.25% trail
                                                                      (76-80) 3.25%
                                                                    Yrs 2-4: 0.25% trail
                                                                      (81-85) 1.75%
                                                                    Yrs 2-4: 0.25% trail
                                                                        Schedule C
                                                                       (0-75) 3.50%
                                                                    Yrs 2-4: 0.50% trail
                                                                        (76-80) N/A



1.75%     Greater of    10% AV per    Nursing Home Rider       NY       Schedule A
                                  AV or the       contract yr.    Terminal Illness Rider                                (0-75) 7.00%
                                Guaranteed min                                                                         (76-80) 5.25%
                                Non surrender                                                                            (81-85) N/A
                                    value                                                                                Schedule B
                                                                                                                        (0-75) 5.50%
                                                                                                                     Yrs 2-4: 0.25% trail
                                                                                                                       (76-80) 3.75%
                                                                                                                     Yrs 2-4: 0.25% trail
                                                                                                                         (81-85) N/A
                                                                                                                         Schedule C
                                                                                                                        (0-75) 4.00%
                                                                                                                     Yrs 2-4: 0.50% trail
                                                                                                                       (76-80) 2.25%
                                                                                                                     Yrs 2-4: 0.50% trail
                                                                                                                         (81-85) N/A




          National Western
850 East Anderson Lane Austin, TX 78752-1602
    AM Best A (Excellent) S&P A (Strong)

                1-3% on 87.5%    Full Contract     10% Acct       Medical Stay Waiver      AL, AK, CT, DE, IL, IN,           NQ
                                     Value       Value annually    Accidental Death          MA, MN, MS, NJ,             (0-75) 11%
                                                    after 1st      Terminal Illness         NY, OR, PA, UT, WA         (76-80) 9.50%
                                                   policy yr.                                                           1.00% yrs 2-5
                                                                                                                              Q
                                                 Cumulative to                                                           (0-70) 11%
                                                 a max of 50%                                                            (71-75) 9%
                                                 Interest After                                                          (76-80) 8%
                                                 1st policy yr                                                          1.00% yrs 2-5

                                                                                                                       *Please call for
                                                                                                                       state variations


                1-3% on 87.5%    Full Contract     10% Acct       Medical Stay Waiver       AL, AK, CT, DE, FL,               NQ
                                     Value       Value annually    Accidental Death         IL, IN, MA, MN, MS,           (0-75) 7%
                                                    after 1st                                 NJ, NY, OR, PA,            (76-80) 5%
                                                   policy yr.                                       UT, WA             (81-85) 2.50%
                                                                                                                        2.00% yrs 2-5
                                                                                                                               Q
                                                                                                                          (0-70) 7%
                                                                                                                       (71-75) 4.50%
                                                                                                                       (76-80) 2.50%
                                                                                                                       (81-85) 1.00%
                                                                                                                        2.00% yrs 2-5
1-3% on 87.5%   Full Contract      10% Acct                                  AL, AK, CT, MS, NY,            NQ
                    Value        Value annually                                      OR                 (0-75) 6%
                                    after 1st                                                          (76-80) 4%
                                   policy yr.                                                         1.00% yrs 2-5
                                                                                                             Q
                                                                                                        (0-70) 6%
                                                                                                     (71-75) 2.50%
                                                                                                     (76-80) 1.00%
                                                                                                      1.00% yrs 2-5

                                                                                                     *Please call for
                                                                                                     state variations



1-3% on 87.5%   Full Contract      10% Acct       Withdrawal Benefit Rider      MA, NY, OR,                  NQ
                    Value         Value once                                    VT, VA, WA               (0-75) 7%
                                    annually                                                            (76-80) 5%
                                   Including                                                       (0-80) 1.00% yrs 2-5
                                   1st Policy                                                                 Q
                                      year                                                               (0-70) 7%
                                                                                                      (71-75) 4.50%
                                                                                                      (76-80) 2.50%
                                                                                                   (0-80) 1.00% yrs 2-5

                                                                                                     *Please call for
                                                                                                     state variations




1-3% on 87.5%   Fulll Contract     10% Acct       Withdrawal Benefit Rider   AL, DE, IL, IN, MA,            NQ
                    Value         Value once                                  MN, NJ, NY, OR,           (0-75) 6%
                                    annually                                     PA, UT, WA            (76-80) 4%
                                   Including                                                          1.00% yrs 2-5
                                   1st Policy                                                                Q
                                      year                                                              (0-70) 6%
                                                                                                     (71-75) 3.50%
                                                                                                     (76-80) 2.50%
                                                                                                      1.00% yrs 2-5

                                                                                                     *Please call for
                                                                                                     state variations

1.5% on 100%      Certificate    10% Acct                                     Only Available In            NQ
                    Value      Value annually                                     FL, WY               (0-70) 8%
                before Annuity    after 1st                                                          (71-80) 7.50%
                     Date        policy yr.                                                          (81-85) 6.25%
                                                                                                        Years 2-5
                                                                      (0-70) 6%
                                                                     (71-80) 4%
                                                                     (81-85) 2%

                                                                           Q
                                                                       (0-70) 8%
                                                                    (71-75) 7.50%
                                                                        Years 2-5
                                                                       (0-70) 6%
                                                                      (71-75) 4%

                                                                    *Please call for
                                                                    state variations

1.5% on 100%     Certificate    10% Acct       Only Available in:          NQ
                   Value      Value annually        FL, WY             (0-70) 9%
               before Annuity    after 1st                            (71-80) 8%
                    Date        policy yr.                          (81-85) 6.25%
                                                                        Years 2-5
                                                                       (0-70) 6%
                                                                      (71-80) 4%
                                                                      (81-85) 2%

                                                                          Q
                                                                      (0-70) 9%
                                                                     (71-75) 8%
                                                                       Years 2-5
                                                                      (0-70) 6%
                                                                     (71-75) 4%

                                                                    *Please call for
                                                                    state variations


1.5% on 100%     Certificate    10% Acct       Only Available In           NQ
                   Value      Value annually         WY              (0-70) 9.25%
               before Annuity    after 1st                          (71-80) 7.75%
                    Date        policy yr.                          (81-85) 5.50%
                                                                        Years 2-5
                                                                       (0-70) 6%
                                                                      (71-80) 4%
                                                                      (81-85) 2%

                                                                           Q
                                                                     (0-70) 9.25%
                                                                    (71-75) 7.75%
                                                                        Years 2-5
                                                                       (0-70) 6%
                                                                      (71-75) 4%
                                                                                                             *Please call for
                                                                                                             state variations

               Between 1-3%     Account        10% of                         AZ, CA, CT, DE, FL, IL, IN,          NQ
                 on 87.5%      Value plus   Account Value                       ME, MA, MN, MS, MO,           (0-75) 6.00%
                              Bonus Value     plus any                        NV, NH, NJ, NY, OH, OR,        (76-80) 4.00%
                                            Vested Bonus                       PA, SC, TX, UT, VA, WA           Years 2-5
                                            value after 1st                                                   (0-80) 1.00%
                                             policy year.
                                                                                                                    Q
                                                                                                              (0-70) 6.00%
                                                                                                             (71-75) 4.50%
                                                                                                             (76-80) 2.00%
                                                                                                                Years 2-5
                                                                                                              (0-80) 1.00%


                                                                                                             *Please call for
                                                                                                             state variations



               Between 1-3%     Account        10% of                          AZ, CA, CT, DE, IL, IN,             NQ
                 on 87.5%      Value plus   Account Value                     ME, MA, MN, MS, MO, NV,         (0-75) 7.00%
                              Bonus Value     plus any                       NH, NJ, NY, OH, OR, PA, SC,     (76-80) 5.00%
                                            Vested Bonus                           TX, UT, VA, WA               Years 2-5
                                            value after 1st                                                   (0-80) 1.00%
                                             policy year.
                                                                                                                    Q
                                                                                                              (0-70) 7.00%
                                                                                                             (71-75) 5.50%
                                                                                                             (76-80) 3.00%
                                                                                                                Years 2-5
                                                                                                              (0-80) 1.00%


                                                                                                             *Please call for
                                                                                                             state variations




erican Company for Life & Health Insurance
350 Westown Pkwy West Des Moines, IA 50266
  AM Best A+(Superior) S&P A+(Strong)

               2% on 87.5%      Full AV      10% penalty      Nursing Home            AL, AK, DE,           (0-75) 7.50% Yr 1
                            free      Confinement Rider      MN, NY           2.00% Years 2-3
                           after                             OR, UT           1.00% Years 4-7
                          1st year    Guaranteed Income
                                       Advantage Rider                        TX Commissions:
                                                                                 Yr 1: 4.65%
                                                                             2.00% trail Yr 2 only
                                                                                0.50% yrs 2-3


                                                                              Issue Ages 76-80:
                                                                              Commissions are
                                                                               reduced by 25%

                                                                             Issue ages 81-85
                                                                            Commissions will be
                                                                              reduced by 50%


                                                                            MN & VA commissions
                                                                                   vary


                                                                              Please call your
                                                                              marketer for trail
                                                                                  options



2% on 87.5%   Full AV   10% penalty    Nursing Home       AK, AL, CT, DE,    (0-75) 7.50% Yr 1
                            free      Confinement Rider       MN, NY          2.00% Years 2-3
                           after                           OR, UT, WA        1.00% Years 4-10
                          1st year    Guaranteed Income
                                       Advantage Rider                       TX Commissions:
                                                                                 Yr 1: 4.65%
                                                                             2.00% trail Yr 2 only
                                                                                0.50% yrs 2-3



                                                                              Issue Ages 76-79:
                                                                              Commissions are
                                                                              reduced by 25%


                                                                            MN & VA commissions
                                                                                   vary

                                                                              Please call your
                                                                              marketer for trail
                                                                                  options
2% on 87.5%   Full AV   10% penalty    Nursing Home       AK, AL, CT, DE,    (0-75) 7.50% Yr 1
                            free      Confinement Rider       MN, NY          2.00% Years 2-5
                           after                           OR, UT, WA        1.00% Years 6-10
                          1st year    Guaranteed Income
                                       Advantage Rider
                                                                             TX Commissions:
                                                                                 Yr 1: 4.65%
                                                                             2.00% trail Yr 2 only
                                                                                0.50% yrs 2-5




                                                                            MN & VA commissions
                                                                                   vary

                                                                              Please call your
                                                                              marketer for trail
                                                                                  options



2% on 87.5%   Full AV   10% penalty    Nursing Home        AL, AK, DE,        (0-75) 7.50% Yr 1
                            free      Confinement Rider     MN, NY             2.00% Years 2-3
                           after                            OR, UT             1.00% Years 4-7
                          1st year    Guaranteed Income
                                       Advantage Rider                        TX Commissions:
                                                                                 Yr 1: 4.65%
                                                                             2.00% trail Yr 2 only
                                                                                0.50% yrs 2-3


                                                                              Issue Ages 76-80:
                                                                              Commissions are
                                                                               reduced by 25%

                                                                             Issue ages 81-85
                                                                            Commissions will be
                                                                              reduced by 50%
                                                                            MN & VA commissions
                                                                                   vary

                                                                              Please call your
                                                                              marketer for trail
                                                                                  options



2% on 87.5%   Full AV   10% penalty    Nursing Home       AK, AL, CT, DE,    (0-75) 7.50% Yr 1
                            free      Confinement Rider      MN, NY           2.00% Years 2-3
                           after                           OR, UT, WA        1.00% Years 4-10
                          1st year    Guaranteed Income
                                       Advantage Rider                       TX Commissions:
                                                                                 Yr 1: 4.65%
                                                                             2.00% trail Yr 2 only
                                                                                0.50% yrs 2-3


                                                                              Issue Ages 76-79:
                                                                              Commissions are
                                                                              reduced by 25%




                                                                            MN & VA commissions
                                                                                   vary

                                                                              Please call your
                                                                              marketer for trail
                                                                                  options



2% on 87.5%   Full AV   10% penalty    Nursing Home       AK, AL, CT, DE,    (0-75) 7.50% Yr 1
                            free      Confinement Rider      MN, NY           2.00% Years 2-5
                           after                           OR, UT, WA        1.00% Years 6-10
                          1st year    Guaranteed Income
                                       Advantage Rider
                                                                             TX Commissions:
                                                                                 Yr 1: 4.65%
                                                                             2.00% trail Yr 2 only
                                                                                0.50% yrs 2-5
                                                                               MN & VA commissions
                                                                                      vary

                                                                                 Please call your
                                                                                 marketer for trail
                                                                                     options




1.5% on 100%   Full AV     10% AV        Nursing Home          AK, AL, DE,       (0-75) 5.00% Yr 1
                          each year     Confinement Rider       MN, NY,           .50% Years 2-3
                          after year                            OR, UT
                              1        Guaranteed Income
                                        Advantage Rider                         Issue Ages 76-80:
                                                                                Commissions are
                                                                                 reduced by 25%

                                                                                Issue ages 81-85
                                                                               commissions will be
                                                                                 reduced by 50%

                                                                                   MN, UT, & VA
                                                                                 commissions vary




                                                                                 Please call your
                                                                                 marketer for trail
                                                                                     options

2% on 87.5%    Full AV   10% AV each Enhanced Nursing Home   AL, AK, CT, DE,    (0-75) 7.50% Yr 1
                          yr after first Confinement Rider        MN,            2.00% Years 2-3
                           contract                          NV, NY, OR, TX,     1.00% Years 4-7
                          anniversary    Guaranteed Income       UT, WA
                                          Advantage Rider                       Issue Ages 76-80:
                                                                                Commissions are
                                                                                 reduced by 25%

                                                                                 Issue ages 81-85
                                                                                commissions will be
                                                                                  reduced by 50%


                                                                                    MO & VA
                                                                                 commissions vary
                                                                                 Please call your
                                                                                 marketer for trail
                                                                                     options


2% on 87.5%   Full AV   10% AV each Enhanced Nursing Home      AL, AK, CT, DE,   (0-75) 7.50% Yr 1
                         yr after first Confinement Rider           MN,           2.00% Years 2-3
                          contract                             NV, NY, OR, TX,   1.00% Years 4-10
                         anniversary    Guaranteed Income          UT, WA
                                         Advantage Rider                         Issue Ages 76-79:
                                                                                 Commissions are
                                                                                  reduced by 25%



                                                                                    MO & VA
                                                                                 commissions vary




                                                                                 Please call your
                                                                                 marketer for trail
                                                                                     options

2% on 87.5%   Full AV   10% AV each Enhanced Nursing Home      AL, AK, CT, DE,   (0-75) 7.50% Yr 1
                         yr after first Confinement Rider           MN,           2.00% Years 2-5
                          contract                             NV, NY, OR, TX,   1.00% Years 6-10
                         anniversary    Guaranteed Income          UT, WA
                                         Advantage Rider
                                                                                 Please call your
                                                                                 marketer for trail
                                                                                     options

                                                                                    MO & VA
                                                                                 commissions vary




1% on 100%    Full AV   10% AV each       Nursing Home Rider   AK, AL, CT, DE,   (0-75) 6.50% Yr 1
                         yr after first                              MN,          2.00% Years 2-3
                             contract                                  NV, NY,             0.50% Years 4-9
                            anniversary                               OR, TX, UT,
                                                                          WA
                                                                                           Issue Ages 76-79:
                                                                                           Commissions are
                                                                                            reduced by 25%


                                                                                              MO & VA
                                                                                           commissions vary




                                                                                           Please call your
                                                                                           marketer for trail
                                                                                               options




1% on 100%       Full        Up to 10%      Nursing Home Rider      AK, AL, CT, DE,          (0-75) 6.50%
             Accumulation   Accumulation                             MN, NV, NY,           2.00% Years 2-3
                Value        Value once                             OR, TX, UT, WA         0.50% Years 4-9
                            each contract
                              year after                                                   Issue Ages 76-79:
                               the 1st                                                     Commissions are
                               contract                                                     reduced by 25%
                             anniversary

                                                                                              MO & VA
                                                                                           commissions vary




                                                                                           Please call your
                                                                                           marketer for trail
                                                                                               options



                 Full       Up to 10% of      Nursing Home       AL, AK, CA, CT, DE,         (0-75) 5.50%
             Accumulation      current      Confinement Waiver   HI, ID, IL, KY, ME, MD,   1.00% Years 2-3
                Value       Accumulation                         MA, MI, MN, MS, MO,
                 Value each                            NV, NH, NY, OH, OR, PA,
                  year, after                              SC, UT, VA, WA,        Issue Ages 76-79:
               the 1st contract                                                   Commissions are
                    year.                                                          reduced by 25%

                                                                                  Issue Ages 80-85:
                                                                                  Commissions are
                                                                                   reduced by 50%




    Full        Up to 10% of        Nursing Home        AL, AK, CA, CT, DE,         (0-75) 5.50%
Accumulation       current        Confinement Waiver    HI, ID, IL, KY, ME, MD,   1.00% Years 2-3
   Value        Accumulation                            MA, MI, MN, MS, MO,
                 Value each                            NV, NH, NY, OH, OR, PA,
                  year, after                              SC, UT, VA, WA,        Issue Ages 76-79:
               the 1st contract                                                   Commissions are
                    year.                                                          reduced by 25%

                                                                                  Issue Ages 80-85:
                                                                                  Commissions are
                                                                                   reduced by 50%




    Full        Up to 10% of        Nursing Home         AL, AK, CA, CT, DE,        (0-75) 6.50%
Accumulation       current        Confinement Waiver    HI, ID, IL, KY, ME, MD,   1.00% Years 2-3
   Value        Accumulation                            MA, MI, MN, MS, MO,
                 Value each                            NV, NH, NY, OH, OR, PA,
                  year, after                              SC, UT, VA, WA,
               the 1st contract
                    year.
                                      Full        Up to 10% of        Nursing Home         AL, AK, CA, CT, DE,        (0-75) 6.50%
                                  Accumulation       current        Confinement Waiver    HI, ID, IL, KY, ME, MD,   1.00% Years 2-3
                                     Value        Accumulation                            MA, MI, MN, MS, MO,
                                                   Value each                            NV, NH, NY, OH, OR, PA,
                                                    year, after                              SC, UT, VA, WA,
                                                 the 1st contract
                                                      year.




and "Standard & Poor's 500 Index" are t rademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by North
 marks of Dow Jones and Company, Inc. an d have been licensed for use for certain purposes by North American. Russell 2000

ndices nor do they make any representat ion regarding the advisability of investing in the products.


  OM Financial Life Insurance
ranty Life and Fidelity and Guaranty Life of NY)
  421 S. 9th St. Ste. 222 Lincoln, NE 68508
   A.M. Best B++ Fitch BB Moody's Baa3

                  1-3% on 87.5%      Full AV     10% per year          Death Benefit             NY, OR,               (0-79) 4%
                    less       after year 1    Nursing Home Waiver                WA                (80-85) 2%
                 any amt.     can be taken       Terminal Illness
                 previously     out up to 4           Waiver
                surrendered    times per yr       Unemployment            Please see comment
                    and                               Waiver              for 1.5% min. states
                 surrender
                  charges


1-3% on 87.5%      Full AV    10% per year         Death Benefit                NY, OR,             (0-79) 5.50%
                    less       after year 1    Nursing Home Waiver               WA                (80-85) 2.75%
                 any amt.     can be taken       Terminal Illness
                 previously     out up to 4           Waiver                                     Commissions vary
                surrendered    times per yr       Unemployment            Please see comment     in AK,CT,MN, & UT
                    and                               Waiver              for 1.5% min. states
                 surrender
                  charges


1-3% on 87.5%      Full AV    10% per year         Death Benefit                NY, OR,             (0-79) 6.5%
                    less       after year 1    Nursing Home Waiver                WA               (80-85) 3.25%
                 any amt.     can be taken       Terminal Illness
                 previously     out up to 4           Waiver                                     Commissions vary
                surrendered    times per yr       Unemployment            Please see comment     in AK,CT,MN, & UT
                    and                               Waiver              for 1.5% min. states
                 surrender
                  charges


1-3% on 100%      Full AV      10% after            TSA Rider              Only Avaliable in:      (0-79) 4.50%
                                year 1              IRA Rider                    NY               (80-85) 2.25%
                                                  Roth IRA Rider                                 Trail Option Avail.


1-3% on 100%      Full AV      10% after       Nursing Home Feature        Only Avaliable in:       (0-79) 5.00%
                                 year 1       Terminal Illness Feature           NY                (80-85) 2.50%
                                                      TSA Rider                                  Trail Options Avail.
                                                      IRA Rider
                                                   Roth IRA Rider                                    AD# 04-211
1.75% on 100%     Full AV      10% after      Liquidity Riders (Nursing         NY, OR              (0-79) 5.50%
                                year 1        Home, Terminal Illness,                              (80-85) 2.75%
                                                  Unemployment)
                                                                                                  Commissions vary
                                               Fixed Interest Option                             in CT, MA, MN, UT,
                                                                                                       and WA
1.75% on 100%      Full AV      10% after   Liquidity Riders (Nursing       MN,         (0-79) 7.00%
                                 year 1     Home, Terminal Illness,     NY, OR, UT     (80-85) 3.50%
                                                Unemployment)
                                                                                     Commissions vary
                                                                                         in WA




1-3% on 103%       Full AV      10% after   Nursing Home Waiver             NY,        (0-79) 9.00%
                                 year 1     Terminal Illness Waiver      OK, OR,       (80-85) 4.50%
                                            Unemployment Waiver           UT, VT
   MGSV                                                                               Commissions vary
                                             Guaranteed Mininum                      in AK, CT, MA, MN,
                                              WD Benefit Rider                               WA




1-3% on 100%     Greater of     10% after    Nursing Home Benefit        MN, NY,        (0-79) 5.00%
                total account     yr 1      Terminal Illness Benefit     OR, UT        (80-85) 2.50%
                 value or the               Unemployment Benefit
                min guarantee
                  surrender                 Income Advantage WD
                    value                        Benefit Rider




1-3% on 87.5%    Greater of     10% after    Nursing Home Benefit         CT,           (0-79) 7.50%
                total account     yr 1      Terminal Illness Benefit     MN, NY,       (80-85) 3.75%
                 value or the               Unemployment Benefit         OR, UT
                min guarantee
                  surrender                 Income Advantage WD
                                 value                       Benefit Rider




Phoenix Life Insurance Company
0 Dan Road Suite 8027 Canton, MA 02021-2809
       AM Best B+(Good) S&P BB-

               Between 1-3%    Greater of    Up to 10%     Income 25 Rider        Only Available In:       (0-75) 7.50%
                  on 87.5%    the contract   of contract                        AK, CT, FL, IN, IA, KY,   (76-85) 5.00%
                              value or the   value each                         MD, MN, MS, MO, NV,
                                  total          year                           NH, NC, ND, OH, OK,
                              guaranteed                                         PA, TX, UT, VA, WA
                                 value




               Between 1-3%    Greater of    Up to 10%      Income 25 Rider       Only Available In:       (0-75) 7.50%
                  on 87.5%    the contract   of contract   Income Max Rider     AK, FL, IN, IA, KY, MD,   (76-85) 5.00%
                              value or the   value each    Income Plus Rider      MN, MS, MO, NV,
                                  total          year                          NH, NC, OH, OK, PA, TX,
               guaranteed                                               UT, VA, WA
                 value




Between 1-3%    Greater of     Up to 10%       Income 25 Rider     AK, CA, CT, DE, FL, IN,    (0-75) 7.50%
   on 87.5%    the contract     contract      Income Max Rider      IA, KY, ME, MD, MN,      (76-80) 5.00%
               value or the   value each yr   Income Plus Rider   MS, MO, NH, NJ, NY, NV,    (81-85) 3.00%
                   total                                          NC, OH, OK, OR, PA, TX,
               guaranteed                                                UT, VA, WA
                  value




Between 1-3%    Greater of     Up to 10%       Income 25 Rider    AK, CA, CT, DE, FL, IN,     (0-75) 7.50%
   on 87.5%    the contract     contract      Income Max Rider      IA, KY, ME, MD, MN,      (76-80) 5.00%
               value or the   value each yr   Income Plus Rider    MS, MO, NH, NJ, NV,       (81-85) 3.00%
                   total                                          NY, NC, OH, OK, OR, PA,
                              guaranteed                                                    TX, UT, VA, WA
                                value




        RBC Insurance-BMA
2000 Wade Hampton Blvd. Greenville, SC 29615
  AM Best A- (Excellent) Fitch A- (Strong)

                1% on 87.5%    Greater      10% of AV        Confinement Waiver             AK, CT, DE, HI,        Option A
                               of cash       after 1st      Terminal Illness Waiver               MN,             (0-75) 6%
                               value or    contract year                                  NJ, NY, OK, OR, PA,   (76-80) 4.5%
                               Min guar                         2% premium                        UT            (81-85) 3.5%
                                cash          RMD            enhancement/bonus                                     Option B
                                             available                                                           (0-75) 5%
                                           immediately        1st yr: 1% enhanced                                0.20% Trail
                                                           interest rate on fixed acct.                         (76-80) 3.5%
                                                                                                                 0.20% Trail
                                                                                                                (81-85) 2.5%
                                                                                                                 0.20% Trail

                1% on 87.5%    Greater      10% of AV        Confinement Waiver             AK, CT, DE, HI,       Option A
                               of cash       after 1st      Terminal Illness Waiver               MN,            (0-75) 8%
                               value or    contract year                                  NJ, NY, OK, OR, PA,   (76-80) 6%
                               Min guar                      1st yr: 1% enhanced                  UT            (81-85) 4%
                                cash          RMD      interest rate on fixed acct.                              Option B
                                             available                                                          (0-75) 6%
                                           immediately                                                          0.40% Trail
                                                                                                                (76-80) 4%
                                                                                                                0.40% Trail
                                                                                                                (81-85) 2%
                                                                                                                0.40% Trail


                1% on 87.5%    Greater      10% of AV        Confinement Waiver             AK, CT, DE, HI,       Option A
                               of cash       after 1st      Terminal Illness Waiver               MN,            (0-75) 8%
                               value or    contract year                                  NJ, NY, OK, OR, PA,   (76-80) 6%
                               Min guar                         5% premium                    TX, UT, WA        (81-85) 4%
                                cash          RMD            enhancement/bonus                                    Option B
                                             available                                                          (0-75) 6%
                                                 immediately         1st yr: 1% enhanced                                  0.40% Trail
                                                                  interest rate on fixed acct.                            (76-80) 4%
                                                                                                                          0.40% Trail
                                                                                                                          (81-85) 2%
                                                                                                                          0.40% Trail


                 1-3% on 87.5%     Greater of    10% of AV          Confinement Waiver            AK, CA, CT, DE,           Option A
                                  Accumulation    after 1st        Terminal Illness Waiver       HI, IL, MN, MO, NJ,       (0-75) 7%
                                    value or    contract year                                     NY, OK, OR, PA,         (76-80) 5%
                                 min guaranteed                        5% premium                       UT, VT            (81-85) 3%
                                      cash         RMD              enhancement/bonus                                       Option B
                                    surrender     available                                                               (0-75) 5%
                                      value     immediately          1st yr: 1% enhanced                                  0.40% Trail
                                                                  interest rate on fixed acct.                            (76-80) 3%
                                                                                                                          0.40% Trail
                                                                                                                          (81-85) 1%
                                                                                                                          0.40% Trail




nce Standard Life Insurance Company
Market Street, Suite 1500 Philadelphia, PA 19103-9802
Best A (Excellent) Fitch A- S&P A Moody's A3

                 1.5% on 100%       Full AV      10% of prem        Nursing Care Benefit            AL, MN, MT,             (0-80) 4%
                                                  paid in yr 1;       Terminal Illness                NY, OR           (81-85) reduce 40%
                                                      10%
                                                 annuity value
                                                  after year 1




                  2% on 100%        Full AV      10% of prem        Nursing Care Benefit            AL, MN, MT,             (0-80) 5%
                                                  paid in yr 1;       Terminal Illness                NY, OR           (81-85) reduce 40%
                                                      10%
                                                 annuity value
                                                  after year 1




                  2% on 100%        Full AV      10% of prem        Nursing Care Benefit            AL, MN, MT,            (0-80) 7%
                                            paid in yr 1;    Terminal Illness       NY, OR   (81-85) reduce 40%
                                                10%
                                           annuity value
                                            after year 1




andard (Standard Insurance Company)
    PO Box 711 Portland, OR 97207-9971
st A(Excellent) S&P AA-(Very Strong) Moody's A1

                  1.00%         Full       10% annually Nursing Home Waiver          NY         (0-80) 4.00%
                            Accumulation     after fist Terminal Condition Waiver              (81-85) 2.25%
                               Value         contract                                          (86-90) 1.85%
                                               year




                  1.00%         Full       10% annually Nursing Home Waiver          NY         (0-80) 5.00%
                            Accumulation     after fist Terminal Condition Waiver              (81-85) 2.75%
                               Value         contract                                          (86-90) 1.45%
                                               year
AnnuityLife Producer Consultants
Guaranteed Minimum Withdrawal Benefit Riders: Week 3/28/2011 - 4/1/2011
For information call (800) 488.4015

                                        State Availability:                          Income
 GMWB Name      Product Approval                              Termination
                                          Not Approved                            Commencement




                                                                                 Allianz Life Insurance Company of North America
                                                                                             5701 Golden Hills Drive Minneapolis, MN 55416
                                                                                                AM Best A S&P AA Moody's A2

   Enhanced      MasterDex 5 Plus           Varies by           Contract         Endurance Plus is a
  Withdrawal   Endurance Plus & Elite        product            Surrender         10 year wait period
    Benefit
 GMWB & GLWB                                                  Death of Owner
                                                                                  MasterDex 5 Plus
                                                              Start of Annuity      is immediate
                                                                 Benefits
                                                                                 Endurance Elite is a
                                                                                  5 year wait period
                                                                                 with payouts @ 10%
                                                                                      for 10 years
                                                                         American Equity Investment Life Insurance Company
                                                                                     6000 Westown Parkway West Des Moines, IA 50266
                                                                                                 AM Best A- (Excellent)

Lifetime Income         LIBR 2008         LIBR 2008:     Contract             After one year
 Benefit Rider       Advantage Gold       DE, OR, WA     Surrender
      GLWB             Income Gold                                            10 possibly 12.
                      Integrity Gold                   Death of Owner/
                    Bonus Gold (1-07)                    Annuitant
                     Retirement Gold                      & Spouse       At time of election you can
                                                         not above          choose between two
                                                           age 50         available payout options:
                                                                          a Level Payment Option
                  Fixed Lifetime Income                Owner ceases                   or
                      Benefit Rider                    being annuitant     an Increasing Payment
                       Liberty Gold                                                Option.
                       Premier Gold
                                                        Start Annuity
                                                          Benefits




                                                                                                American General Life
                                                                          Deferred Annuity Operation B-F5 2727-A Allen Parkway Houston, TX 77019
                                                                               AM Best A(Excellent) S&P A+ Fitch A- Moody's A1

   Lifetime          All FIA Products      Varies by     Contract               After 1 year
  Withdrawal          Series of FIA's       Product      Surrender
    Benefit
    GMWB                                               Death of Owner



                    Standard at Issue
                                                                                       American Investors Life
                                                                                     611 5th Ave. Des Moines, IA 50306
                                                                                    AM Best A S&P A+ Moody's A1

Income Edge      Income Select       NJ, NY, WA      Owner can         Lifetime Income
  Plus Rider        Products                          drop rider       WD is available
                                                      during 12       immediately upon
                                                  contract months      issue (the client
                                                    following the       must be 50 or
                                                    contract date           older).
                                                   or at any time
                Wellness Service                     subsequent
                 from the Mayo                          to 5th
                  Clinic Health                      anniversary
               Solutions Available                of contract date.
                   w/this rider.

                                                  Death of owner


                                                  Start of annuity
                                                      benefits




Income Edge     Spirit Series only     CA,           Owner can         Lifetime Income
    Flex                              NJ, NY,         drop rider       WD is available
                                      PA, WA          during 12       immediately upon
                                                  contract months      issue (the client
                                                    following the       must be 50 or
                Wellness Service                    contract date           older).
                 from the Mayo                     or at any time
                  Clinic Health                      subsequent
               Solutions Available                      to 5th
                   w/this rider.                     anniversary
                                                  of contract date.
                                                        Death of owner


                                                       Start of annuity
                                                           benefits




                                                                                                     American National
                                                                                    c/o Lisa Ellis, 9th Floor One Moody Plaza Galveston, TX 77550
                                                                                                      AM Best A (Excellent) S&P A+

   Lifetime    ANICO Strategy 7    MA, MN, NY, OR,      May be dropped           Must be age 60 to
Income Rider   ANICO Strategy 10   PA, UT, VT, WA     at any time. Cost of            Activate
   GLWB                                              rider will be pro-rated

                                                       Death of Owner

                Rider must be
                elected at Issue                          Change of
                                                          Ownership
                                                         (mandatory)

                                                       Start of annuity
                                                           benefits




                                                                               Americo Financial Life & Annuity Insurance Company
                                                                                      New Business 300 W. 11th Street Kansas City, MO 64105



                                                                                     Not Available at this time



                                                                                         AmerUs Life & Insurance Company
                                                                                               611 5th Ave. Des Moines, IA 50306
                                                                                              AM Best A S&P A+ Moody's A1

Lifetime Pay    All FIA products       NY, WA             Owner can                   Income
Plus Income                                               drop rider               withdrawal is
    Rider                                                  during 12              available day 1
                                               contract months     & allows you to
                                                 following the     receive up to a
                                                 contract date      designated %
                                                or at any time     of Income Acct
                                                subsequent to       Value until it
                                                    the 5th           reaches 0.
                Wellness Service                  anniversary
                 from the Mayo                 of contract date.   Lifetime Income
                  Clinic Health                                    WD is available
               Solutions Available                                 when you reach
                   w/this rider.               Death of owner,     age 50 & allows
                                                  if GLWB           you to receive
                                                                        income
                                                                   withdrawals for
                                               Start of annuity           life.
                                                   benefits




Lifetime Pay    Freedom Series       CA, NY,      Owner can         Lifetime Income
     Flex                            PA, WA        drop rider       WD is available
                                                   during 12       immediately upon
                                               contract months      issue (the client
                                                 following the       must be 50 or
                Wellness Service                 contract date           older).
                 from the Mayo                  or at any time
                  Clinic Health                 subsequent to
               Solutions Available                  the 5th
                   w/this rider.                  anniversary
                                               of contract date.


                                               Death of owner,
                                                  if GLWB


                                               Start of annuity
                                                   benefits
                                                                                                   The Annexus Group
                                                                                        Underwritten by American Investors Life
                                                                                19520 West Catawba Ave. Suite 200 Cornelius, NC 28031
                                                                                           AM Best A S&P A+ Moody's A1

 Income       BPA Select 6      CA, NJ, NY, OR, WA        Contract benefits      Guaranteed income
Advantage     BPA Select 10                               have been paid.       starts at age 50. No
   Rider      BPA Select 12       Approved only in                                max issue age for
                                states where the BPA           AV & Guar           rider, but will be
             Not available on    Select is approved,       Income Base are      limited to max issue
                 Option A       except for those states   equal to 0 & there    age of BPA contract.
                                     listed above.        are no outstanding
                                                            Lifetime Income      Minimum issue age
                                                               withdrawals      is 40 but cannot turn
                                                                                       on til 50
                                                            You terminate
                                                          Income Advantage        Income can be
                                                                                taken immediately,
                                                            Owner is not        however there is no
                                                          natural person, the     roll up if started
                                                          date on which the         immediately.
                                                          Owner & Annuitant
                                                            are not same.

 Balance         BAA 8                CA, CT,                 Contract              Guaranteed
Allocation       BAA 12         NJ, NY, OR, PA, SC,         benefits have         income starts at
 Income                                 WA                   been paid.               age 50/
Advantage
   Rider                                                      AV & Guar            No max issue
                                                            Income Base           age for rider, but
                                 TX approved for the       are equal to 0 &       will be limited to
                                     BAA 8 only              there are no          max issue age
                                                              outstanding         of BAA contract.
                                                           Lifetime Income
                                                             withdrawals.         Minimum issue
                                                                                age is 40 but cannot
                                                            You terminate        turn on til age 50.
                                                              Income
                                                             Advantage.           Income can be
                                                                                taken immediately,
                                                             Owner is not       however there is no
                                                            natural person,       roll-up if started
                                                          the date on which         immediately.
                                                             the Owner &
                                                            Annuitant are
                                                        not the same.




                                                                                  Equitrust Life Insurance Company ®
                                                                            Atten: Box 14500 5400 University Ave. West Des Moines, IA 50266


Income For Life     All FIA products         MN,           Contract         5 yr wait, age
    Rider                                NY, OR, WA       Surrender          50 or older

                                                       Death of Owner

                                                         Annuitization

                                                       Owner Change




                                                                                           PO Box 5423 Cincinnati, OH 45201
                                                                                          AM Best A S&P A+ Moody's A2

   Income           All FIA Products     DE, IL, MN,      Contract            One year,
  Sustainer       Except: FlexMax 12 &   MS, NV, NY,      Surrender           min issue
 Guaranteed           FlexMax 14          PA, WA                              age of 55
  Lifetime
   Income                                 May vary     You may decline
    Benefit                              by product    the rider anytime
                                                       by written notice.


                                                           Death of
                     Rider must be                       covered life
                      elected at                         after income
                         issue                              begins


                                                           Start of
                                                                   annuity
                                                                   benefits



                                                                                                    909 Locust St Des Moines, IA 50309
                                                                                    AM Best A (Excellent) S&P A (Strong) Moody's A2 (Good) Fitch A- (Strong)

    Income            All FIA products       NJ, NY, OR,          Contract            Can turn income on in
   Protector                                     WA               Surrender                 in year 1.
   WD Benefit
                                                                                         Minimum issue
                                                              Death of covered              age of 50
                                                                    life


                                                              Start of annuity
                       Rider must be                               benefits,
                      elected at issue,                           but floor on
                          although                            life-only annuity.
                        the rule could
                         be changed.




                                                                                                         Legacy Marketing Group
                                                                                   Marketing Servies: 2090 Marina Ave. Petaluma, CA 94954-6714
                                                                              Administrative Services (new business): 777 Research Dr. Lincoln, NE 68501

Income Freedom       AmeriMark Freedom       AL, LA, MA,            Policy
     Rider             AdvanceMark           MN, NV, NY,      terminates for any
                                            OR, UT, VT, WA         reason.
 Basic: offered w/
 4% annual rollup                                            Annuitization occurs

Enhanced: offered     Must be elected at                       Client chooses
  w/a 6% annual      issue & is available                      to cancel rider.
   rollup feature       in 2 versions.
                                                                              Life Insurance Company of the Southwest (LSW)
                                                                                           1300 W. Mockingbird Ln. Dallas, TX 75247
                                                                                            AM Best A S&P A Moody's A2

   Guaranteed     All FIA products       IL, NV,              Can be              On or after
Lifetime Income                      NH, NJ, NY, OR,        terminated             insured's
      Rider                                 WA               after the          60th birthday
      GMWB                                                     5th yr.        and policy in force
                                                         (written notice        at least 1 year
                                                        must be received
                                                        at least 30 days
                                                          prior to policy
                                                        anniversary, on
                                                       which termination is
                                                          to take effect)




                                                                                             2940 S. 84th St Lincoln, NE 68504
                                                                                           AM Best A+ S&P AA- Moody's A1

Lifetime Income    Savers Index         Varies by         Covered life           On or after
 Benefit Rider       Premier             Product           removed            Covered Person's
      GLWB         Savers Index                                                 60th birthday
                   Premier Plus                         Death of covered
                                                               life

                  Automatically                          Start of annuity
                     added                                  benefits
   Enhanced       Savers Index Premier    Varies by      Covered life          At Issue
Lifetime Income   Savers Index Premier     Product        removed
 Benefit Rider            Plus
      GLWB                                             Death of covered
                  Automatically added                         life

                                                        Start of annuity
                                                           benefits




                                                                                            Lincoln Financial Group
                                                                                   2001 Market St. 4th Floor Philadelphia, PA 19103
                                                                                 AM Best A+ S&P AA- Moody's A2 Fitch A+

   Lifetime           OptiChoice           Varies      May be dropped          Can take
   Income            New Directions          by        after the 5th yr.   income after the
  Advantage                                product                         1st 12 months or
     GLIA                                                 Change in        12 months after
                                                          Ownership            their last
                    Must be elected                                           deposit into
                       at issue                                               the annuity
                                                           Death of
                                                            Owner




                                                                                                National Western
                                                                                850 East Anderson Lane Austin, TX 78752-1602
                                                                                    AM Best A (Excellent) S&P A (Strong)


Income Outlook        FIA products       CT, DE, MA,      Terminates       Available in yr 2,
Plus 5 Withdrawal                              MN, NV, NH, NJ,     when the annuity         min age of 60
  Benefit Rider                                 NY, OR, PA,          terminates
                                                    WA
                                                                   Or will terminate
                                                                     when Max
                                                                  Guaranteed Annual
                                                                     Withdrawal
                                                                   Payment is less
                                                                    than $100.00




 Income Outlook      Ultra Indexed Annuities   AL, AK, DE, NY,       Terminates            20 days prior
Withdrawal Benefit                             OR, PA, UT, WA      when the annuity         to 1 yr policy
      Rider                                                          terminates           anniversary, min
                                                                                              age of 60
                                                                   Or will terminate
                                                                     when Max
                                                                  Guaranteed Annual
                                                                     Withdrawal
                                                                   Payment is less
                                                                    than $100.00




                                                                                       North American Company for Life & Health Insurance
                                                                                              4350 Westown Pkwy West Des Moines, IA 50266
                                                                                                 AM Best A+(Superior) S&P A+(Strong)

   Income Pay            Rider can be              Varies by          Contract            Income can be
                         added to any               product           Surrender           elected after 1st
                          FIA product          (MN, NY, OR, WA)                                 year
                      (except: Freedom                               Annuitization
                            Choice)                                                       Issue age limit of
                                                                   Clients Request        40+ at the time of
                                                                                         election for Q & NQ
                                                 Death of Owner/
                                                  annuitant with
                                                   no spousal
                                                   continuation
                                                     elected




                                                                                 OM Financial Life Insurance
                                                                (Fidelity & Guaranty Life and Fidelity and Guaranty Life of NY)
                                                                                  421 S. 9th St. Ste. 222 Lincoln, NE 68508
                                                                                A.M. Best B++ Fitch BB Moody's Baa3

OM Income   OM-Index Spectrum 9      AK, CT,         May be               1 year after
Advantage                           LA, MA,        terminated             issue & on
 GMWB       OM-Index Accelerator   MN, MT, NV,     at anytime              youngest
                  Series            NY, ND,                             annuitant's 50th
                                   OK, OR, SD,                              birthday
                                     UT, VT,
                                    WA, WY



             Must be Elected at
                   Issue
                                                                                             Phoenix Life Insurance Company
                                                                                            30 Dan Road Suite 8027 Canton, MA 02021-2809
                                                                                                    AM Best B+(Good) S&P BB-

 Income 25          Index Select           CA, CT, DE, ME,           Revocable               30 days
IncomePlus      Index Select Bonus          NJ, NV, NY, OR
                 Index Select Gold
             Index Select Gold Bonus




                   Income 25 will
              offer a cumulative 25%
             bonus to the Benefit Base
               after yr 1, provided no
              Withdrawals are made.

             If withdrawals are elected
               in yr 1, the bonus to the
                 Benefit Base will be
                         12.50%




                                                                                                       RBC Insurance-BMA
                                                                                             2000 Wade Hampton Blvd. Greenville, SC 29615
                                                                                               AM Best A- (Excellent) Fitch A- (Strong)

Guaranteed         Choice 10                     GLWB              Rider can be       Income can be elected
 Lifetime      Enhanced Choice 8             AK, CT, DE, HI,   terminated at anytime.     after 1st year.
Withdrawal     Enhanced Choice 10          MN, NJ, NY, OK, OR,
  Benefit      Enhanced Choice 12              PA, UT, WA        Once terminated it         Issue Age
   Rider                                                             cannot be               40-80 Q
  GLWB                                                               reinstated             40-85 NQ
                                            Enhanced GLWB
                                           AK, CA, CT, DE, FL,
                                           HI, MN, NV, NJ, NY,
                                            OK, OR, PA, UT,
                                                   WA
"Standard &Use Rate "S&P", are are subjectchangeLife and Annuity Insurance Company, November by NOT Poor's & Poor's uses t
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                 Initial Benefit Base   Benefit Roll-Up    Benefit Step- Up   Re-Entry   Benefit Choice         Benefit Amt




ianz Life Insurance Company of North America
     5701 Golden Hills Drive Minneapolis, MN 55416
        AM Best A S&P AA Moody's A2

                  Endurance Plus is      Endurance Plus         None            No        Customer does          Current Max
                   premium plus a         & End. Elite                                      not need to        Lifetime Income
                     20% bonus.            105% part                                     choose between      Percentage: (GLWB)
                                            rate on                                          GMWB &           Ages: 60-69: 5.0%
                   MasterDex 5 Plus        Enhanced                                         GLWB until        Ages: 70-79: 6.0%
                    is premium plus          value.                                         the 1st WD;       Ages: 80-87: 7.0%
                       5% bonus                                                           then locked in.
                                            MasterDex                                        Can switch     Endurance Plus & Elite
                  Endurance Elite is           5 Plus:                                    from GMWB to           Current Max
                   premium plus a           will be the                                       GLWB.            Lifetime Income
                     10% bonus.          indexed earned                                                      Percentage: (GLWB)
                                            but not less                                                      Ages: 60-69: 5.0%
                                              than the                                                        Ages: 70-79: 5.5%
                                              treasury                                                        Ages: 80-87: 6.0%
                                            benchmark
                                           rate declared
                                             at issue (                                                           Annual WDs
                                          currently 4%).                                                       increase w/125%
                                                                                                                    interest.


                                                                                                                 (% for joint
                                                                                                              annuitants are .5%
                                                                                                                   lower.)

                                                                                                              GMWB is 10% of
                                                                                                             benefit base, which
                                                                                                             is growing annually
                                                                                                             at 110% of credited
                                                                                                             interest. Aggregate
                                                                                                                 wd limited to
                                                                                                             premium plus bonus
                                                                                             plus 125% interest
                                                                                             minus withdrawals.




rican Equity Investment Life Insurance Company
     6000 Westown Parkway West Des Moines, IA 50266
                 AM Best A- (Excellent)

                       Premium Plus         5% Annually          To account      No   N/A     Level Payment
                          Bonus                 until           value on each                   Current Max
                                              income             anniversary                  Lifetime Income
                                           commencement             during                  Percentage: (GLWB)
                                                                  income, if                 Ages: 50-59: 4%
 of election you can                          7% roll-up         higher than                 Ages: 60-69: 5%
                                              guaranteed            current                  Ages: 70-79: 6%
                                             for a cost of      Income Base                   Ages 80+: 7%
                                               .60 basis
                                                 points                                     Increasing Payment
                                                                                                Current Max
                                               10yr roll up                                   Lifetime Income
                                           timeframe & you                                  Percentage: (GLWB)
                                           can renew Once                                     Ages: 50-59: 3%
                                              for a max of                                    Ages: 60-69: 4%
                                                20 years                                      Ages: 70-79: 5%
                                                                                               Ages 80+: 6%

                                                                                                (% for joint
                                                                                            annuitants are 0.50%
                                                                                                   lower)




               American General Life
 ed Annuity Operation B-F5 2727-A Allen Parkway Houston, TX 77019
AM Best A(Excellent) S&P A+ Fitch A- Moody's A1

                       Premium Plus              N/A              To account     No   N/A    Ages 55-59: 4.5%
                         applicable                                value on                     60-64: 5%
                          bonuses                                    each                      65-69: 5.5%
                                                                 anniversary,                   70-74: 6%
                                                                if higher than                 75-79: 6.5%
                                                                intial income                   80-84: 7%
                                                                     base                       85+: 7.5%
                                                                 (high water)
                                                                                              (Percentages for
                                                                                              joint owners are
                                                                                                 1% Lower)




  American Investors Life
 611 5th Ave. Des Moines, IA 50306
AM Best A S&P A+ Moody's A1

           Premium plus           Currently 10         To acct                No              Maximum Lifetime
           bonus minus             years from         value on             earlier              Income WD
            percentage            issue or any          each                 than               Percentages:
                                     reentry.       anniversary,             5th             Ages: 50-54: 3.50%
                                 Currently 7.2%    if higher than         anniver;           Ages: 55-59: 4.00%
                                                   Initial Income         no more            Ages: 60-64: 4.50%
                                                     Base (high          frequently          Ages: 65-69: 5.00%
                                                        water)              than             Ages: 70-74: 5.50%
                                                                            every            Ages: 75-79: 6.00%
                                                                            5 yrs            Ages: 80-84: 6.50%
                                                                                             Ages: 85-89: 7.00%
                                                                                             Ages: 90+: 7.50%

                                                                                                 (% for joint
                                                                                             annuitants are .5%
                                                                                                lower. % are
                                                                                              bracketed in the
                                                                                                   filing.)

                                                                                              Current Maximum
                                                                                               Annual Income
                                                                                             Percentage (GMWB)
                                                                                             Ages 50-84: 6.50%
                                                                                             Ages 85-89: 7.00%
                                                                                              Ages 90+: 7.50%

         Annuity premium        Income Account                         You can stop &         Maximum Lifetime
        plus any applicable         Value is                          start withdrawals         Income WD
          premium bonus          guaranteed to                       at any time. Once          Percentages:
                                   grow @ 5%                            you start the           Level Benefit
                                     interest                          Lifetime Income       Ages: 50-59: 3.50%
          Income Account          compounded                          WD, your annual        Ages: 60-69: 4.50%
           Value can be          annually for up                       Lifetime WD %         Ages: 70-79: 5.50%
        inherited over 5 yrs.   to 12 yrs (up to                    is locked in for life.    Ages: 80+: 6.50%
                                     age 85 )                        It will not increase
                                                                        as you enter a        Increasing Benefit
                                                                      new age bracket.       Ages: 50-59: 2.50%
                                The Accumulation                                             Ages: 60-69: 3.50%
                                            period, including                Also, your Income                   Ages: 70-79: 4.50%
                                             the 5% interest                   Account Value                      Ages: 80+: 5.50%
                                              accrual, ends                  ends permanently
                                                when you                                                             (% for joint
                                            begin taking the                                                     annuitants are .5%
                                              Income Edge                                                           lower. % are
                                                Flex WD.                                                          bracketed in the
                                                                                                                       filing.)




                 American National
c/o Lisa Ellis, 9th Floor One Moody Plaza Galveston, TX 77550
                  AM Best A (Excellent) S&P A+

                       Account Value               0%           No Step-Up          No               N/A          Current Maximum
                                                                 Feature                                           Lifetime Income
                                                                                                                      Percentage
                                                                                                                  Ages 60-69: 5%
                                                                                                                  Ages 70-79: 6%
                                                                                                                   Ages 80+: 7%




rico Financial Life & Annuity Insurance Company
  New Business 300 W. 11th Street Kansas City, MO 64105
                  AM Best A- S&P A-


 Not Available at this time



     AmerUs Life & Insurance Company
           611 5th Ave. Des Moines, IA 50306
          AM Best A S&P A+ Moody's A1

                       Premium plus           Currently 10       To acct            No              Customer         Current Max
                       bonus minus             years from        value on         earlier        does not need     Lifetime Income
                        percentage            issue or any        each             than            to choose     Percentage: (GLWB)
                            reentry.          anniversary,             5th             between GMWB       Ages: 50-54: 3.50%
                         Currently 7.2%      if higher than         anniver;              and GLWB        Ages: 55-59: 4.00%
                                             Initial Income         no more              until the 1st    Ages: 60-64: 4.50%
                                               Base (high          frequently            Withdrawal;      Ages: 65-69: 5.00%
                                                  water)              than              then locked in.   Ages: 70-74: 5.50%
                                                                      every                               Ages: 75-79: 6.00%
                                                                      5 yrs                               Ages: 80-84: 6.50%
                                                                                                          Ages: 85-89: 7.00%
                                                                                                          Ages: 90+: 7.50%

                                                                                                              (% for joint
                                                                                                          annuitants are .5%
                                                                                                             lower. % are
                                                                                                           bracketed in the
                                                                                                                filing.)

                                                                                                           Current Maximum
                                                                                                            Annual Income
                                                                                                          Percentage (GMWB)
                                                                                                          Ages 50-84: 6.50%
                                                                                                          Ages 85-89: 7.00%
                                                                                                           Ages 90+: 7.50%

 Annuity premium        Income Account                           You can stop &                            Maximum Lifetime
plus any applicable          Value is                           start withdrawals                            Income WD
  premium bonus           guaranteed to                        at any time. Once                             Percentages:
                            grow @ 5%                             you start the                              Level Benefit
                              interest                           Lifetime Income                          Ages: 50-59: 3.50%
  Income Account           compounded                           WD, your annual                           Ages: 60-69: 4.50%
   Value can be           annually for up                        Lifetime WD %                            Ages: 70-79: 5.50%
inherited over 5 yrs.    to 12 yrs (up to                     is locked in for life.                       Ages: 80+: 6.50%
                              age 85 )                         It will not increase
                                                                  as you enter a                           Increasing Benefit
                                                                new age bracket.                          Ages: 50-59: 2.50%
                        The Accumulation                                                                  Ages: 60-69: 3.50%
                         period, including                    Also, your Income                           Ages: 70-79: 4.50%
                          the 5% interest                       Account Value                              Ages: 80+: 5.50%
                           accrual, ends                      ends permanently
                             when you                                                                         (% for joint
                         begin taking the                                                                 annuitants are .5%
                           Income Edge                                                                       lower. % are
                             Flex WD.                                                                      bracketed in the
                                                                                                                filing.)
           The Annexus Group
      Underwritten by American Investors Life
520 West Catawba Ave. Suite 200 Cornelius, NC 28031
         AM Best A S&P A+ Moody's A1

                     Premium                                               If the Guaranteed     Ages: 50-54: 3.50%
                                                                          income is stopped      Ages: 55-59: 4.00%
                                                                              the roll up will   Ages: 60-64: 4.50%
                                                                             not start again.    Ages: 65-69: 5.00%
                                                                                                 Ages: 70-74: 5.50%
                                                                                                 Ages: 75-79: 6.00%
                                                                                                 Ages: 80-84: 6.50%
                                                                                                 Ages: 85-89: 7.00%
                                                                                                  Ages: 90+: 7.50%



                                                                                                 Joint payout reduced
                                                                                                  by 0.5% & is based
                                                                                                 on the younger age.




                   Premium plus         Income           To Account              If the          Ages: 50-54: 3.50%
                      bonus if      account value      value on each         Guaranteed          Ages: 55-59: 4.00%
                    applicable.     is guaranteed      anniversary, if        income is          Ages: 60-64: 4.50%
                                       to grow @         higher than          stopped,           Ages: 65-69: 5.00%
                                      7% interest       initial income        the roll up        Ages: 70-74: 5.50%
                                     compounded       Base (high water)      will not start      Ages: 75-79: 6.00%
                                      annually for                               again.          Ages: 80-84: 6.50%
                                     10 yrs. The                                                 Ages: 85-89: 7.00%
                                    client has the                                                Ages: 90+: 7.50%
                                    option renew
                                      the income
                                      rider for an
                                      add'l 8 yrs                                                Joint payout reduced
                                     giving a total                                               by 0.5% & is based
                                        of 18 yrs.                                               on the younger age.
    Equitrust Life Insurance Company ®
ten: Box 14500 5400 University Ave. West Des Moines, IA 50266
                   AM Best B+ S&P A-

                     100% of premium           7% for              Yes        Yes   Client will get   Ages: 50-54: 3.5%
                        plus any              20 years                              higher GLWB       Ages: 55-59: 4.0%
                     applicable bonus                                                   or AV         Ages: 60-64: 4.5%
                                                                                                      Ages: 65-69: 5.0%
                                                                                                      Ages: 70-74: 5.5%
                                                                                                      Ages: 75-79: 6.0%
                                                                                                      Ages: 80-84: 6.5%
                                                                                                      Ages: 85-89: 7.0%
                                                                                                       Ages: 90+: 7.5%




                  Great American
           PO Box 5423 Cincinnati, OH 45201
          AM Best A S&P A+ Moody's A2

                         Premium              Currently           To acct     No         N/A             Current Max
                                                10 yrs           value on                              Lifetime Income
                                             from issue             each                                 Percentage:
                                             & can reset        anniversary                                (GLWB)
                                             for another           during                             Ages 55-64: 4.5%
                                                10yrs            income,                              Ages 65-74: 5.5%
                                               anytime           if higher                            Ages 75-84: 6.5%
                                             after 5th yr.          than                              Ages 85-89: 7.5%
                                                                  current                             Ages 90+: 8.00%
                                              Currently           Income
                                                10%                Base.                                 (% for joint
                                                                                                        annuitants are
                                                                                                          1% lower)
                       ING USA
         909 Locust St Des Moines, IA 50309
t A (Excellent) S&P A (Strong) Moody's A2 (Good) Fitch A- (Strong)

                      Premium, but             Currently             At                    No            N/A    Current Maximum
                        could be              10 yrs from       Commencement             earlier                 Lifetime Income
                      percentage of             issue              of WD                than 5th               Percentage (GLWB)
                        premium              Currently 6%                              annersary;               Ages: 50-64: 4%
                                                                                        no more                 Ages 65-74: 5%
                                                                                       frequently               Ages 75-84: 6%
                                            Currently 6%                                  than                   Ages 85+: 7%
                                            growth. If the                                every
                                           market does well                               5 yrs                    (% for joint
                                            the client will                                                       annuitants are
                                           get that growth.                                                          0.50%
                                                                                                                     lower.)
                                            Only for 10 yrs
                                           with 100% return                                                    Withdrawal allowance
                                           of Rider Charges                                                       increases 1.5%
                                                                                                                   annually after
                                                                                                                withdrawals begin
                                                FL have
                                              4% Roll-up
                                           instead of the 6%.




            Legacy Marketing Group
 ting Servies: 2090 Marina Ave. Petaluma, CA 94954-6714
ve Services (new business): 777 Research Dr. Lincoln, NE 68501

                      Value used to            Yes, two               Step up         A restart must     N/A      50-59: 4.00%
                     determine WD          options available     features occurs      be elected on               60-69: 5.00%
                      benefits. It will      4$% or 6%          when the income          a policy                 70-79: 6.00%
                      grow at a min                             base is increased     anniversary &               80-89: 7.00%
                    by the roll up rate                         to the acct value    can occur only                90+: 8.00%
                       (4% or 6%),                               if the acct value     between the
                   based on the client's                        is larger than the    start of the 6th             (% for joint
                        initial prem                                incom base.      policy yr & prior            annuitants are
                          amount.                                     Will occur     to the end of Yr                1.00%
                                                                automatically & is           10                      lower.)
                                                                  available each
                                                         contract anniversary




e Insurance Company of the Southwest (LSW)
      1300 W. Mockingbird Ln. Dallas, TX 75247
       AM Best A S&P A Moody's A2

                  Greater of Acct            7%               Evaluated         No        N/A                Age 60: 4.5%
                     Value or        guaranteed for 10 yrs    every 5th                                     increases by 10
                   Guaranteed                                  contract                                   basis points every
                  Income Value                               anniversary                                  year through age
                                                                                                             90 (withdrawal
                                                                                                               percentage
                                                                                                           increased by 3%
                                                                                                             if 2 of 6 ADL's
                                                                                                        cannot be performed)
                                                                                                        through an Enhanced
                                                                                                              Benefit Rider
                                                                                                      (the rider is not available
                                                                                                               in TN & CT)




               Lincoln Benefit
        2940 S. 84th St Lincoln, NE 68504
      AM Best A+ S&P AA- Moody's A1

                     Premium                None                                No    Choose Basic          Current Max
                                                                                           or             Lifetime Income
                                                                                     Enhanced Rider     Percentage (GLWB)
                                                                                        at Issue         Policy yr 1-4: 5%
                                                                                                         Policy yr 5-9: 6%
                                                                                                         Policy yr 10+: 7%
                    Premium                None          To acct           No          Choose Basic         Current Max
                                                      value on each                         or            Lifetime Income
                                                       anniversary                    Enhanced Rider    Percentage (GLWB)
                                                      before income.                     at Issue        Ages 60-69: 5.5%
                                                        Ratchet to                                       Ages 70-79: 6.5%
                                                        acct value                                        Ages 80+: 8%
                                                      during income.
                                                                                                           Also policy yr
                                                                                                            adjustment

                                                                                                        (Percentage for joint
                                                                                                           annuitants are
                                                                                                              0.50%
                                                                                                              lower.)



         Lincoln Financial Group
  2001 Market St. 4th Floor Philadelphia, PA 19103
AM Best A+ S&P AA- Moody's A2 Fitch A+

                     Contract            There is      5 yrs before       You              N/A
                 Value (premium         No interest      you begin        have
                  plus earnings)          roll-up         income       the option
                                                        payments,        to start
                                                            your         or stop
                                                        payment %       receiving
                                                       is enhanced        your
                                                           by 1%.      payments,
                                                                         or skip
                                                        By adding           a
                                                         it 10yrs       payment
                                                        before you
                                                      begin income
                                                       payments,
                                                           your
                                                       payment %
                                                      is enhanced
                                                          by 2%




           National Western
850 East Anderson Lane Austin, TX 78752-1602
    AM Best A (Excellent) S&P A (Strong)


                  Premium plus           5% fixed     At end of any    Available to        N/A         Guaranteed Withdrawal
                applicable bonus   interest rate     policy yr, the AV    restart every          Percentage is based
                                     roll-up for   is greater than the   5 years during         on the annuitant's age:
                                    fixed period      greatest WPB       Accumulation             Ages 60-64: 5%
                                      of 10 yrs         during the           Period              Ages 65-69: 5.5%
                                                   Withdrawal Period,                             Ages 70-74: 6%
                                                       the WPB is                                Ages 75-79: 6.5%
                                                       reset to the                               Ages 80-84: 7%
                                                      Account Value                              Ages 85-89: 7.5%
                                                     on the 1st day of                             Ages 90+: 8%
                                                    the next policy yr
                                                                                                     (% for joint
                                                                                                    annuitants are
                                                                                                         1%
                                                                                                       lower)

                 Premium plus       No roll-up        Annuity's AV        Available to    N/A   Guaranteed Withdrawal
                applicable bonus                      is larger than      restart every          Percentage is based
                                                   the Payment Base      5 years during         on the annuitant's age:
                                                   on an anniversary.    Accumulation                 Age 60: 5%
                                                        The Max              Period                 increases by 10
                                                   Guaranteed Annual                              basis points every
                                                       Withdrawal                                  year through age
                                                   Payment increases                                      90
                                                           also.
                                                                                                     (% for joint
                                                                                                    annuitants are
                                                                                                         1%
                                                                                                       lower)




h American Company for Life & Health Insurance
 4350 Westown Pkwy West Des Moines, IA 50266
    AM Best A+(Superior) S&P A+(Strong)

                 Premium Plus         Option 1        Increase the         Can start      N/A     Current Maximum
                    Bonus             6% Life      Lifetime Payment        & stop at               Lifetime Income
                                   0.20% charge      Amount (LPA)          any time                     (GLWB)
                                                       if the GPB                                  Ages 50-59: 4%
                                     Option 2         increases or                                Ages 60-64: 4.5%
                                     8% 10 yr      a higher Lifetime                               Ages 65-59: 5%
                                    Renewable           Payment                                   Ages 70-74: 5.5%
                                        another 10yrs   Percentage applies                      Ages 75-79: 6%
                                        0.75% charge                                            Ages 80+: 6.5%
                                                           Guaranteed
                                                        Payment Balance
                                                           (GPB) equal
                                                        the greater of the
                                                         current value of
                                                            GPB (after
                                                         & bonus credits)
                                                         or the contract
                                                               AV.

                                                          Annual Step-
                                                         Ups until age 80


       OM Financial Life Insurance
& Guaranty Life and Fidelity and Guaranty Life of NY)
       421 S. 9th St. Ste. 222 Lincoln, NE 68508
     A.M. Best B++ Fitch BB Moody's Baa3

                    Not Available         Basic:           To Account          Restart    N/A    Current Income
                                        4% annually       Value on each           is             Benefit (GMWB):
                                                          anniversary,        permitted          Ages 50-54: 4%
                                        Enhanced:         if higher than       & can            Ages 55-59: 4.5%
                                        6% annually       Initial Income     only occur          Ages 60-64: 5%
                                                               Base              b/w            Ages 65-69: 5.5%
                                                                              the start          Ages 70-74: 6%
                                                                              of 6th yr         Ages 75-79: 6.5%
                                                                               & prior           Ages 80-84: 7%
                                                                             to the end         Ages 85-89: 7.5%
                                                                               of 10th            Ages 90+: 8%
                                                                                  yr.

                                                                                                (Percentages for
                                                                                                Joint annuitants is
                                                                                                    1% Lower)
Phoenix Life Insurance Company
30 Dan Road Suite 8027 Canton, MA 02021-2809
        AM Best B+(Good) S&P BB-

                 Premium or        Income 25          Annual,                  No                   No                 Income 25
                 Premium plus         None          provided the                                                  Benefit base x Income
                    bonus                             contract                                                             factor
                                   IncomePlus           value                                                        50-59: 4.00%
                                   8% up to 10      exceeds the                                                      60-64: 4.50%
                                       yrs             benefit                                                       65-69: 5.00%
                                                        base                                                         70-79: 5.50%
                                                       amount                                                         80+: 6.50%

                                                                                                                      Income Plus
                                                                                                                     50-54: 3.50%
                                                                                                                     55-59: 4.00%
                                                                                                                     60-64: 4.50%
                                                                                                                     65-69: 5.00%
                                                                                                                     70-74: 5.50%
                                                                                                                     75-79: 6.00%
                                                                                                                     80-84: 6.50%
                                                                                                                      85+: 7.00%




        RBC Insurance-BMA
2000 Wade Hampton Blvd. Greenville, SC 29615
  AM Best A- (Excellent) Fitch A- (Strong)

                 Ann premium       7.5%; 12 yrs       If the AV is       Owners have the        Choice of Basic      50-54: 3.50%
                plus Ann. Prem                     greater than the      ability to start &   or Enhanced GLWB       55-59: 4.00%
                  bonus, plus                       rider's income       stop withdrawals                            60-64: 4.50%
               Immediate Income                    value at the end    when they choose. If                          65-69: 5.00%
                 Bonus = Initial                    of any contract      withdrawals are                             70-74: 5.50%
                 Income Base                           year (after        stopped & later                            75-79: 6.00%
                                                  interest credits &   re-started, payments                          80-84: 6.50%
                                                    rider charges)     will be the greater of                        85-89: 7.00%
                                                  the income base        the prior lifetime                           90+: 7.50%
                                                      will step up       withdrawal amt
                                                       to the AV.      (adjusted for excess                         (Percentages for
                                                                         wds, if any or the                      Joint annuitants is
                                                                         original lifetime wd                        1% Lower)
                                                                           $ multiplied by
                                                                       current income base)




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 /LS117A by NOT FORAssurance Company of and Health McGraw-Hill Companies, CCCand appointed subject to income carrier.
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and ONLY.and & Poor's only to agents for LifeCanada (U.S.) *** Withdrawals Group, Inc. and have been licensedon current tax and may

				
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