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Description
Fixed Annuities
Document Sample
Fixed Annuities
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Surrender Charges Last 17 Years
American Equity
Investment Life 0-75: 6.00+
Insurance Company A- 1 10/08/11 2.25 0.00 2.25 10.00 12.48 2.82 2.11 76-80: 4.50+
see notes
Bonus Gold (DE)
Surrender Charges Last 16 Years
American Equity
Investment Life 0-75: 6.00+
Insurance Company 76-80: 4.50+
A- 1 10/08/11 1.75 0.00 1.75 10.00 11.93 2.36 2.12
Bonus Gold (Index see notes
1-07)
Surrender Charges Last 15 Years
Life of the Southwest 0-70: 7.00+
71-75: 6.00+
SecurePlus A 1 09/29/11 2.45 5.00 7.45 5.00 12.82 3.11 1.75 76-80: 4.00+
Accumulator 5 see notes
American Equity
Investment Life 2.20 1.73 0-75: 5.00+
Insurance Company 3.00
A- 1 10/08/11 2.00 0.00 2.00 12.20 to to 76-80: 3.75+
Premier Eagle 10 to 10.00
2.65 2.18 see notes
(FPDA-7-08)
National Western Life 2.22 1.37 0-75: 5.00+
4.75 76-80: 3.00+
NWL Ultra Future A 1 08/18/11 1.90 0.00 1.90 12.09 to to
to 10.00
[LOAN] 2.55 1.70 see notes
Life of the Southwest
SecurePlus 0-70: 10.00
Platinum (after A 1 09/22/11 2.25 0.00 2.25 2.25 2.44 71-74: 9.00
75-UP: 8.00
3/21/06) [TSA,
LOAN]
Life of the Southwest 0-70: 11.00+
A 1 09/22/11 2.00 1.00 3.00 2.07 1.13 71-75: 9.00+
Retire Four see notes
National Western Life 1.13 1.13 0-75: 5.00+
2.00
NWL Future A 1 08/18/11 1.00 0.00 1.00 11.10 to to 76-80: 3.00+
to 10.00
Assurance [LOAN] 1.64 1.64 see notes
Surrender Charges Last 14 Years
Fidelity & Guaranty Life
FG
B++ 1 12/01/11 3.00 0.00 3.00 3.00 1.14 0-UP: 7.50
AccumulatorPlus
14
Fidelity & Guaranty Life
Prosperity Elite 14 0-79: 8.00
B++ 1 12/01/11 2.25 0.00 2.25 9.00 11.45 2.88 1.71 80-85: 4.00
Protection
Fidelity & Guaranty Life
Prosperity Elite 14 0-79: 8.00
B++ 1 12/01/11 2.25 0.00 2.25 6.00 8.38 2.68 1.51 80-85: 4.00
Enhanced
North American
Company
0-75: 4.50+
North American A+ 1 11/16/11 1.70 0.00 1.70 10.00 11.87 2.39 1.74 see notes
Flex III [MVA,
LOAN]
Fidelity & Guaranty Life 0-79: 8.00
B++ 1 12/01/11 2.25 0.00 2.25 2.25 1.09
Prosperity Elite 14 80-85: 4.00
Page 1 of 28
12/02/2011
Fixed Annuities
North American
Company
A+ 1 11/16/11 2.00 0.00 2.00 2.00 1.07 see notes
Charter 14 (TX)
[TSA, MVA, LOAN]
North American
Company
0-75: 7.50+
North American A+ 1 11/16/11 1.30 0.00 1.30 10.00 11.43 1.99 1.71 see notes
Prizm Plus 14
[TSA, MVA, LOAN]
North American
Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.90 0.00 1.90 1.90 1.06
(5%) 14 see notes
High-Band [TSA,
MVA, LOAN]
North American
Company 0-75: 7.50+
A+ 1 11/16/11 1.00 0.00 1.00 10.00 11.10 1.69 1.69
Precision 14 [TSA, see notes
MVA, LOAN]
North American
Company 0-75: 7.50+
A+ 1 11/16/11 1.00 0.00 1.00 10.00 11.10 1.69 1.69
Charter 14 [TSA, see notes
MVA, LOAN]
North American
Company
0-75: 5.50+
Freedom Choice A+ 1 11/16/11 1.65 0.00 1.65 1.65 1.05 see notes
14 High-Band
[TSA, MVA, LOAN]
North American
Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.60 0.00 1.60 1.60 1.04
(5%) 14 see notes
Low-Band [TSA,
MVA, LOAN]
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
National Western Life 0-75: 8.00+
1.28 1.28
4.00 76-80: 6.00+
NWL Benefit A 1 08/18/11 1.00 0.00 1.00 6.05 to to
to 5.00 81-85: 3.50+
Assurance [LOAN] 1.35 1.35 see notes
National Western Life 0-75: 6.00+
1.28 1.28
4.00 76-80: 4.00+
NWL Ultra Benefit A 1 08/18/11 1.00 0.00 1.00 6.05 to to 81-85: 1.50+
to 5.00
[LOAN] 1.35 1.35 see notes
North American Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.25 0.00 1.25 1.25 1.02
14 Low-Band see notes
[TSA, MVA, LOAN]
Surrender Charges Last 13 Years
National Western Life 0-75: 10.00+
NWL Ultra Classic A 1 08/18/11 2.40 0.00 2.40 2.40 1.11 76-80: 8.50+
[LOAN] see notes
Surrender Charges Last 12 Years
Phoenix Life Insurance
Company
0-75: 7.50
Phoenix 76-80: 5.00
B+ 1 11/01/11 2.50 0.00 2.50 5.00 7.62 2.92 1.54 81-86: 3.00
Reflections Gold
see notes
Bonus 5%
Low-Band [MVA]
Page 2 of 28
12/02/2011
Fixed Annuities
Phoenix Life Insurance
Company
0-75: 7.50
Phoenix 76-80: 5.00
B+ 1 11/01/11 2.50 0.00 2.50 2.50 1.12 81-86: 3.00
Reflections Gold
see notes
Bonus 5%
High-Band [MVA]
Liberty Life Insurance
Company 0-75: 6.50+
B++ 8 12/01/11 2.00 1.00 3.00 5.00 8.15 2.50 2.16 76-UP: 3.50+
Enhanced Choice
see notes
12 [MVA]
American General Life
Insurance Company
0-75: 8.00
AG HorizonIndex A 6 11/07/11 2.00 0.00 2.00 5.00 7.10 2.42 2.42 76-80: 4.00
Annuity 12 (CA, 81-85: 2.50
OH) [MVA]
American Equity
Investment Life 0-75: 6.00+
Insurance Company A- 1 10/08/11 2.25 0.00 2.25 2.00 4.30 2.42 2.42 76-80: 4.50+
FPDA-10 (MVA) see notes
[MVA]
North American Company
0-75: 6.50+
NA Performance A+ 1 11/16/11 2.30 0.00 2.30 2.30 1.11
see notes
Choice 12 [MVA]
North American Company
NA Performance 0-75: 6.50+
A+ 1 11/16/11 1.60 0.00 1.60 8.00 9.73 2.25 1.70
Choice 12 Plus see notes
[MVA]
Life of the Southwest 0-75: 8.00+
SecurePlus 76-80: 5.00+
A 1 08/29/11 1.95 0.00 1.95 3.00 5.01 2.20 2.20 81-85: 4.00+
Premier 8 [TSA,
see notes
LOAN]
American Equity
Investment Life 2.00 1.77 0-57: 6.00+
Insurance Company 3.00
A- 1 10/08/11 1.75 0.00 1.75 6.84 to to 58-80: 4.00+
Bonus 5 to 5.00
2.16 1.93 see notes
(INDEX-3-07-WA)
Life of the Southwest
SecurePlus Elite 5
A 1 11/15/11 1.95 0.00 1.95 1.95 1.95 Call
403(b) & 457
[TSA, LOAN]
American General Life 0-75: 8.00+
Insurance Company 76-80: 4.00+
AG HorizonIndex A 6 11/07/11 1.45 0.00 1.45 5.00 6.52 1.86 1.64 81-85: 2.50+
Annuity 12 [MVA] see notes
Life of the Southwest
SecurePlus Elite A 1 09/22/11 1.85 0.00 1.85 1.85 1.94 Call
[LOAN]
Life of the Southwest
RetireMax FPDA 3
A 1 09/22/11 1.75 0.00 1.75 1.75 1.06 Call
403(b) [TSA,
LOAN]
Life of the Southwest 0-70: 10.00
A 1 09/22/11 1.75 0.00 1.75 1.75 1.06 71-75: 9.00
RetireThree 76-80: 5.00
Phoenix Life Insurance
Company 0-75: 7.50+
1.26 1.40
Phoenix 5.00 76-80: 5.00+
B+ 1 11/01/11 0.85 0.00 0.85 10.94 to to 81-86: 3.00+
to 10.00
Reflections Gold 1.65 1.79 see notes
Bonus [MVA]
Page 3 of 28
12/02/2011
Fixed Annuities
Great American Life 0-75: 6.00+
Insurance Company 1.25 1.25 76-80: 4.50+
3.00
A 1 08/22/11 1.00 0.00 1.00 6.05 to to 81-UP: 2.50+
American Valor II to 5.00
1.41 1.41 see notes
[LOAN]
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Phoenix Life Insurance
Company 0-75: 7.50
Phoenix 76-80: 5.00
B+ 1 11/01/11 0.85 0.00 0.85 6.00 6.90 1.34 1.48 81-86: 3.00
Reflections Gold see notes
Bonus 6% [MVA]
Surrender Charges Last 11 Years
Americo
Platinum Secure A- 1 09/15/11 2.50 0.00 2.50 5.00 7.62 2.96 1.59 Call
[LOAN]
Surrender Charges Last 10 Years
Liberty Life Insurance 0-75: 6.50+
Company B++ 1 12/01/11 3.00 1.00 4.00 3.10 1.30 76-UP: 3.50+
Choice 10 [MVA] see notes
Fidelity & Guaranty Life 0-79: 7.00+
Prosperity Elite 10 B++ 1 12/01/11 2.25 0.00 2.25 8.00 10.43 3.04 1.91 80-85: 3.50+
Protection see notes
Fidelity & Guaranty Life 0-79: 7.00+
Prosperity Elite 10 B++ 1 12/01/11 2.25 0.00 2.25 5.00 7.36 2.75 1.62 80-85: 3.50+
Enhanced see notes
Fidelity & Guaranty Life
FG
B++ 1 12/01/11 2.75 0.00 2.75 2.75 1.17 0-UP: 6.50
AccumulatorPlus
10
Fidelity & Guaranty Life
Insurance Company of
New York
B++ 1 12/01/11 2.25 2.00 4.25 2.00 6.34 2.65 1.52 see notes
FGNY
Index-Choice 10
Aviva Life & Annuity
(Income Series) 2.30 2.30 0-75: 5.00+
3.00
A 1 11/04/11 2.00 0.00 2.00 7.10 to to 76-78: 3.00+
Income Select to 5.00
2.50 2.50 see notes
Plus S Low-Band
Aviva Life & Annuity
(Income Series) 2.30 2.30 0-75: 5.00+
3.00
A 1 11/04/11 2.00 0.00 2.00 7.10 to to 76-78: 3.00+
Income Select to 5.00
2.50 2.50 see notes
Plus S High-Band
American General Life
Insurance Company
AG Global Bonus 0-75: 5.25
A 1 11/07/11 2.00 0.00 2.00 5.00 7.10 2.50 2.50 76-80: 2.75
Index Annuity
(CA, OH) [MVA]
American General Life
Insurance Company
AG Vision A 5 11/07/11 2.00 0.00 2.00 5.00 7.10 2.50 2.50 0-UP: 8.00
Maximizer (CA,
OH) [MVA]
Page 4 of 28
12/02/2011
Fixed Annuities
Forethought Financial
Guaranteed 0-75: 7.00
A- 1 09/19/11 2.00 0.00 2.00 5.00 7.10 2.50 2.50
Destinations WA 76-85: 5.00
Low-Band
Forethought Financial
Guaranteed 0-75: 7.00
A- 1 09/19/11 2.00 0.00 2.00 5.00 7.10 2.50 2.50
Destinations WA 76-85: 5.00
High-Band
Forethought Financial
Guaranteed 0-75: 7.00
A- 1 09/19/11 2.00 0.00 2.00 5.00 7.10 2.50 2.50
Destinations WA 76-85: 5.00
Mid-Band
National Western Life 0-75: 6.50+
NWL IMPACT 10 A 1 08/18/11 1.80 0.00 1.80 7.00 8.93 2.49 1.77 76-80: 4.50+
[LOAN] see notes
American Equity
Investment Life
Insurance Company 0-78: 6.00+
A- 1 10/08/11 1.60 0.00 1.60 9.00 10.74 2.48 1.93
Premier Eagle 12 see notes
(FRG-09)
Life of the Southwest
SecurePlus
A 1 08/29/11 2.45 0.00 2.45 2.45 1.14 Call
Premier 10 [TSA,
LOAN]
Americo
0-80: 6.25
Future Provider A- 1 09/15/11 2.00 0.00 2.00 4.00 6.08 2.40 2.40 81-85: 5.00
Bonus [LOAN]
American General Life 0-75: 7.50+
Insurance Company 76-80: 5.00+
AG HorizonMYG A 6 11/07/11 2.00 4.00 6.00 2.39 1.99 81-85: 3.00+
(CA, OH) [MVA] see notes
American Equity
Investment Life 0-64: 6.00+
Insurance Company 65-75: 5.25+
A- 1 10/08/11 1.60 0.00 1.60 8.00 9.73 2.38 2.29 76-78: 4.50+
Retirement Gold
see notes
(FL)
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
American Equity
Investment Life 2.10 2.01
Insurance Company 5.00 0-78: 6.00+
A- 1 10/08/11 1.60 0.00 1.60 9.73 to to
Retirement Gold to 8.00 see notes
2.38 2.29
(02-09)
Fidelity & Guaranty Life
FG 0-79: 7.50+
B++ 1 12/01/11 1.50 0.00 1.50 8.00 9.62 2.28 1.92 80-85: 3.75+
Index-Accelerator see notes
10
Fidelity & Guaranty Life 0-79: 7.00+
B++ 1 12/01/11 2.25 0.00 2.25 2.25 1.12 80-85: 3.50+
Prosperity Elite 10 see notes
Aviva Life & Annuity
(Income Series) 0-75: 7.50+
Income Preferred A 1 11/04/11 1.45 5.00 6.45 3.00 9.64 2.24 1.83 76-78: 5.50+
Ultra High-Band see notes
[MVA]
Page 5 of 28
12/02/2011
Fixed Annuities
American Equity
Investment Life
Insurance Company 0-78: 5.25+
A- 1 10/08/11 1.60 0.00 1.60 6.00 7.70 2.19 2.10
Retirement Gold see notes
(RG-FIA-09)
American Equity
Investment Life 0-75: 6.00+
Insurance Company A- 1 10/08/11 1.65 0.00 1.65 5.00 6.73 2.15 2.01 76-80: 4.50+
see notes
Advantage Gold
Aviva Life & Annuity
(Income Series) 0-75: 7.00+
Income Preferred A 1 11/04/11 1.55 0.00 1.55 6.00 7.64 2.14 1.65 76-78: 5.00+
Bonus High-Band see notes
[MVA]
Aviva Life & Annuity
(Income Series) 65-75: 6.50+
Income Preferred A 1 11/04/11 1.55 0.00 1.55 6.00 7.64 2.14 1.65 76-78: 4.50+
Bonus Pro see notes
High-Band [MVA]
American Equity
Investment Life 0-75: 5.25+
Insurance Company 76-80: 3.94+
A- 1 10/08/11 1.60 0.00 1.60 5.00 6.68 2.10 2.01
Benefit Gold see notes
(ICC10 IDX 110*)
North American Company
0-75: 4.50+
North American
A+ 1 11/16/11 1.60 0.00 1.60 5.00 6.68 2.10 1.55 76-79: 3.38+
Flex II [MVA, see notes
LOAN]
Americo 0-80: 8.25
Future Provider A- 1 09/15/11 2.05 0.00 2.05 2.05 2.01 81-85: 6.50
[LOAN] 86-90: 3.00
Aviva Life & Annuity
(Income Series)
1.85 1.53
Lifetime Solutions 5.00 0-74: 7.00
A 1 11/04/11 1.35 0.00 1.35 8.44 to to
to 7.00 75-78: 5.00
Annuity High-Band 2.04 1.72
[MVA]
North American Company
Charter 10 (TX) A+ 1 11/16/11 2.00 0.00 2.00 2.00 1.10 see notes
[TSA, MVA, LOAN]
North American Company
Precision 10 (TX) A+ 1 11/16/11 2.00 0.00 2.00 2.00 1.10 see notes
[TSA, MVA, LOAN]
Aviva Life & Annuity
(Income Series)
Income Select 0-75: 6.00+
A 1 11/04/11 1.60 0.00 1.60 4.00 5.66 2.00 1.46 76-78: 4.00+
Spirit Bonus see notes
(1-Year)
High-Band
ING Annuity and Asset
Sales
0-80: 7.00+
ING Secure Index A 1 08/24/11 1.50 0.00 1.50 5.00 6.57 2.00 1.54 see notes
Opportunities Plus
High-Band [MVA]
Fidelity & Guaranty Life
FG Index-Safety 10 Low-Band Product has been withdrawn from sale effective 11/22/2011
Fidelity & Guaranty Life
FG Index-Safety 10 High-Band Product has been withdrawn from sale effective 11/22/2011
Aviva Life & Annuity
(Income Series) 0-75: 6.50+
A 1 11/04/11 2.00 0.00 2.00 2.00 2.00 76-78: 4.50+
Income Select 10 see notes
Low-Band [MVA]
Page 6 of 28
12/02/2011
Fixed Annuities
Aviva Life & Annuity
(Income Series) 0-75: 6.50+
A 1 11/04/11 2.00 0.00 2.00 2.00 2.00 76-78: 4.50+
Income Select 10 see notes
High-Band [MVA]
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Forethought Financial
Destination 0-75: 6.50
A- 1 09/19/11 2.00 0.00 2.00 2.00 2.90
Income 15 76-85: 5.00
Low-Band
Forethought Financial
Destination 0-75: 6.50
A- 1 09/19/11 2.00 0.00 2.00 2.00 2.90
Income 15 76-85: 5.00
Mid-Band
Forethought Financial
Destination 0-75: 6.50
A- 1 09/19/11 2.00 0.00 2.00 2.00 2.90
Income 15 76-85: 5.00
High-Band
ING Annuity and Asset
Sales
ING Secure
0-80: 7.00+
Index A 1 08/24/11 1.50 0.00 1.50 5.00 6.57 2.00 1.54 see notes
Opportunities
Plus Low-Band
[MVA]
Life of the Southwest 0-70: 6.00+
RetireMax 71-75: 4.50+
A 1 09/22/11 1.50 5.00 6.50 1.99 1.54 76-80: 3.50+
Millennium Plus
see notes
[LOAN]
0-70: 6.55+
Life of the Southwest 71-75: 5.15+
A 1 09/22/11 1.50 5.00 6.50 1.99 1.54 76-80: 4.14+
Retire Five
see notes
Life of the Southwest
RetireMax
A 1 09/22/11 1.50 5.00 6.50 1.99 1.54 Call
Millenium Flex
[LOAN]
Life of the Southwest
SecurePlus Elite
A 1 11/15/11 1.95 0.00 1.95 1.95 1.95 Call
3 403(b) & 457
[TSA, LOAN]
Life of the Southwest 0-75: 7.00
SecurePlus Flex - 76-80: 5.00
A 1 09/22/11 1.95 0.00 1.95 1.95 1.95 81-85: 3.00
Gold (H) [TSA,
see notes
LOAN]
North American
Company 0-80: 7.00+
A+ 1 11/16/11 1.45 0.00 1.45 5.00 6.52 1.95 1.54 81-80: 5.25+
Boomer Annuity see notes
[MVA, LOAN]
Aviva Life & Annuity
(Income Series)
Lifetime 1.65 1.33
3.00 0-74: 7.00
A 1 11/04/11 1.35 0.00 1.35 7.43 to to
Solutions to 6.00 75-78: 5.00
1.94 1.63
Annuity
Low-Band [MVA]
Page 7 of 28
12/02/2011
Fixed Annuities
American National
Insurance Company 0-74: 5.00+
A 1 12/01/11 1.25 7.00 8.25 1.93 1.70 75-80: 3.00+
Palladium
see notes
Century 7
American General Life
Insurance Company 0-75: 8.00+
AG Vision A 5 11/07/11 1.30 0.00 1.30 5.00 6.36 1.80 1.64
see notes
Maximizer [MVA]
ING Annuity and Asset
Sales
ING Secure 0-80: 6.00+
A 1 08/24/11 1.50 0.00 1.50 3.00 4.54 1.80 1.35
Index Outlook see notes
Annuity
Low-Band
ING Annuity and Asset
Sales
ING Secure 0-80: 6.00+
A 1 08/24/11 1.50 0.00 1.50 3.00 4.54 1.80 1.35
Index Outlook see notes
Annuity
High-Band
American General Life
Insurance Company
AG Global Bonus 0-75: 5.25
A 1 11/07/11 1.30 0.00 1.30 5.00 6.36 1.80 1.52 76-80: 2.75
Index Annuity
[MVA]
Life of the Southwest
SecurePlus
A 1 09/29/11 1.80 0.00 1.80 1.80 1.08 Call
Marquee 10
[MVA]
Minnesota Life
SecureOption A+ 3 11/26/11 1.60 2.00 3.60 1.80 1.73 Call
Extra - 3 Year
Aviva Life & Annuity
(Income Series) 0-75: 7.50+
Income Preferred A 1 11/04/11 1.00 5.00 6.00 3.00 9.18 1.79 1.79 76-78: 5.50+
Ultra Low-Band see notes
[MVA]
Forethought Financial 55-75: 7.00
A- 1 10/03/11 1.00 0.00 1.00 8.00 9.08 1.78 1.78
Bonus Advantage 76-80: 5.00
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Life of the Southwest
RetireMax
A 2 09/22/11 1.75 0.00 1.75 1.75 1.15 Call
Income Master
[TSA]
American Equity
Investment Life 0-75: 6.00+
Insurance Company 76-80: 4.50+
A- 1 10/08/11 1.75 0.00 1.75 1.75 1.53
Millenium see notes
Platinum (WA)
Aviva Life & Annuity
(Income Series) 0-75: 6.50+
Income Select A 1 11/04/11 1.55 0.00 1.55 2.00 3.58 1.75 1.26 76-78: 4.50+
Spirit Plus see notes
High-Band
Page 8 of 28
12/02/2011
Fixed Annuities
Phoenix Life Insurance
Company 0-75: 7.50+
76-80: 5.00+
Phoenix B+ 1 11/01/11 1.75 0.00 1.75 1.75 1.07 81-85: 3.00+
Reflections Gold see notes
High-Band [MVA]
Life of the Southwest
SecurePlus Gold 0-75: 7.00+
76-80: 6.00+
(Issued on or A 1 09/22/11 1.75 0.00 1.75 1.75 1.07 81-85: 4.00+
after 9/14/2010) see notes
[TSA, LOAN]
American Equity
Investment Life 0-75: 6.00+
Insurance Company 76-80: 4.50+
A- 1 10/08/11 1.75 0.00 1.75 1.75 1.53
10/10 Gold see notes
(Index 6-05)
American National
Insurance Company 0-74: 6.00+
A 1 12/01/11 1.25 5.00 6.25 1.74 1.51 75-80: 3.50+
Palladium
see notes
Century 5
American General Life 0-75: 7.50+
Insurance Company 76-80: 5.00+
A 6 11/07/11 1.35 4.00 5.35 1.74 1.60 81-85: 3.00+
AG HorizonMYG
[MVA] see notes
North American
Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.70 0.00 1.70 1.70 1.07 76-79: 4.13+
(5%) 10 see notes
High-Band [TSA,
MVA, LOAN]
Life of the Southwest 0-75: 8.00
A 1 09/22/11 1.60 1.00 2.60 1.70 1.16
RetireTwo 76-85: 4.00
Life of the Southwest
RetireMax FPDA
A 1 09/22/11 1.60 1.00 2.60 1.70 1.16 Call
2 403(b) [TSA,
LOAN]
Life of the Southwest 0-55: 6.00+
56-65: 5.50+
RetireMax Roth A 1 09/22/11 1.60 1.00 2.60 1.70 1.16 66-75: 4.81+
Advantage see notes
North American
Company 0-75: 6.50+
North American A+ 1 11/16/11 1.00 0.00 1.00 7.00 8.07 1.69 1.69 76-79: 4.88+
Ten [MVA, see notes
LOAN]
North American
Company
North American 0-75: 6.50+
A+ 1 11/16/11 1.00 0.00 1.00 7.00 8.07 1.69 1.69 76-79: 4.88+
Paramount see notes
Choice Ten
[MVA, LOAN]
Phoenix Life Insurance
Company 0-75: 7.50+
76-80: 5.00+
Phoenix B+ 1 11/01/11 1.65 0.00 1.65 1.65 1.06 81-85: 3.00+
Reflections Gold see notes
Low-Band [MVA]
Phoenix Life Insurance
Company
Personal Income
Annuity (Low 0-75: 7.50
B+ 1 11/01/11 1.65 0.00 1.65 1.65 1.06 76-85: 5.00
Surrender -
Alternate)
Low-Band [MVA]
Page 9 of 28
12/02/2011
Fixed Annuities
Low-Band [MVA]
Phoenix Life Insurance
Company
Personal Income
Annuity (Low 0-75: 7.50
B+ 1 11/01/11 1.65 0.00 1.65 1.65 1.06 76-85: 5.00
Surrender -
Alternate)
High-Band [MVA]
Phoenix Life Insurance
Company 0-75: 7.50
76-80: 5.00
Phoenix Personal B+ 1 11/01/11 1.65 0.00 1.65 1.65 1.06 81-85: 3.00
Income Annuity see notes
[MVA]
Phoenix Life Insurance
Company
Personal Income 0-75: 7.50
B+ 1 11/01/11 1.65 0.00 1.65 1.65 1.06 76-80: 5.00
Annuity (Low 81-85: 3.00
Surrender)
[MVA]
Life of the Southwest
SecurePlus A 1 09/29/11 1.30 0.00 1.30 3.00 4.34 1.60 1.33 Call
Marquee 3 [MVA]
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Great American Life 0-75: 6.00+
Insurance Company 76-80: 4.50+
American Valor® A 1 08/22/11 1.40 0.00 1.40 2.00 3.43 1.60 1.24 81-UP: 2.50+
10 [TSA, LOAN] see notes
Fidelity & Guaranty Life
FG Index-Escalator 10 Product has been withdrawn from sale effective 11/22/2011
Aviva Life & Annuity
(Income Series)
Income 65-75: 6.50+
A 1 11/04/11 1.00 0.00 1.00 6.00 7.06 1.59 1.59 76-78: 4.50+
Preferred Bonus see notes
Pro Low-Band
[MVA]
Aviva Life & Annuity
(Income Series) 0-75: 7.00+
Income A 1 11/04/11 1.00 0.00 1.00 6.00 7.06 1.59 1.59 76-78: 5.00+
Preferred Bonus see notes
Low-Band [MVA]
American National
Insurance Company 0-74: 7.00+
A 1 12/01/11 1.25 3.00 4.25 1.55 1.32 75-UP: 4.50+
Palladium
see notes
Century 3
Minnesota Life
SecureOption A+ 1 11/26/11 1.50 0.00 1.50 1.50 1.50 see notes
Flex
Forethought Financial
0-75: 7.50+
Secure Bonus
A- 1 09/19/11 1.50 0.00 1.50 1.50 1.05 76-85: 5.00+
115 sm see notes
Low-Band [MVA]
Forethought Financial
0-75: 7.50+
Secure Bonus
A- 1 09/19/11 1.50 0.00 1.50 1.50 1.05 76-85: 5.00+
115 sm Mid-Band see notes
[MVA]
Page 10 of 28
12/02/2011
Fixed Annuities
Forethought Financial
Secure Bonus 0-75: 7.50+
115 sm A- 1 09/19/11 1.50 0.00 1.50 1.50 1.05 76-85: 5.00+
High-Band see notes
[MVA]
North American 0-75: 6.50+
Company A+ 1 11/16/11 1.00 0.00 1.00 5.00 6.05 1.49 1.49 76-80: 4.87+
Pillar [LOAN] see notes
Forethought Financial
Guaranteed 0-75: 7.00
A- 1 09/19/11 1.00 0.00 1.00 5.00 6.05 1.49 2.40
Destinations WA 76-85: 5.00
High-Band
Forethought Financial
Guaranteed 0-75: 7.00
A- 1 09/19/11 1.00 0.00 1.00 5.00 6.05 1.49 2.40
Destinations WA 76-85: 5.00
Mid-Band
North American
Company 0-75: 7.50+
Precision 10 A+ 1 11/16/11 1.00 0.00 1.00 5.00 6.05 1.49 1.49 76-79: 5.63+
[TSA, MVA, see notes
LOAN]
North American
Company 0-75: 7.50+
A+ 1 11/16/11 1.00 0.00 1.00 5.00 6.05 1.49 1.49 76-79: 5.63+
Charter 10 [TSA, see notes
MVA, LOAN]
North American
Company
North American 0-75: 7.50+
A+ 1 11/16/11 1.00 0.00 1.00 5.00 6.05 1.49 1.49 76-79: 5.63+
Prizm Plus 10 see notes
[TSA, MVA,
LOAN]
Lincoln Financial Group
0-75: 7.00+
Lincoln OptiPoint
A+ 1 12/01/11 1.00 0.00 1.00 5.00 6.05 1.49 1.49 76-80: 4.75+
10 High-Band see notes
[MVA]
Forethought Financial
Guaranteed 0-75: 7.00
A- 1 09/19/11 1.00 0.00 1.00 5.00 6.05 1.49 2.40
Destinations WA 76-85: 5.00
Low-Band
Aviva Life & Annuity
(Income Series) 0-75: 5.00+
Income Select A 1 11/04/11 1.25 0.00 1.25 2.00 3.28 1.45 1.23 76-78: 3.00+
Spirit Plus S see notes
High-Band
Aviva Life & Annuity
(Income Series)
Income 0-75: 7.50+
A 1 11/04/11 1.40 0.00 1.40 1.40 1.04 76-78: 5.50+
Preferred Ten see notes
High-Band
[MVA]
Aviva Life & Annuity
(Income Series)
1.30 1.30 0-75: 6.00+
Income 3.00
A 1 11/04/11 1.00 0.00 1.00 5.04 to to 76-78: 4.00+
to 4.00
Preferred Bonus 1.40 1.40 see notes
S Low-Band
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Page 11 of 28
12/02/2011
Fixed Annuities
Aviva Life & Annuity
(Income Series)
1.30 1.30 0-75: 6.00+
Income 3.00
A 1 11/04/11 1.00 0.00 1.00 5.04 to to 76-78: 4.00+
to 4.00
Preferred Bonus 1.40 1.40 see notes
S High-Band
North American
Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.40 0.00 1.40 1.40 1.04 76-79: 4.13+
10 High-Band see notes
[TSA, MVA,
LOAN]
Lincoln Financial
Group
Lincoln 0-75: 7.00+
A+ 1 12/01/11 1.00 0.00 1.00 4.00 5.04 1.40 1.40 76-80: 4.75+
OptiPoint 10 see notes
Low-Band
[MVA]
Aviva Life & Annuity
(Income Series)
Income Select 0-75: 6.00+
A 1 11/04/11 1.00 0.00 1.00 4.00 5.04 1.40 1.40 76-78: 4.00+
Spirit Bonus see notes
(1-Year)
Low-Band
American National
Insurance Company 0-74: 8.00+
A 1 12/01/11 1.25 1.00 2.25 1.35 1.12 75-90: 5.50+
Palladium
see notes
Century 1
North American
Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.35 0.00 1.35 1.35 1.03 76-79: 4.13+
(5%) 10 see notes
Low-Band [TSA,
MVA, LOAN]
Forethought Financial
Secure Bonus 0-75: 7.50+
115 Plus sm A- 1 09/19/11 1.00 3.00 4.00 1.30 1.30 76-85: 5.00+
Low-Band see notes
[MVA]
Forethought Financial
0-75: 7.50+
Secure Bonus
A- 1 09/19/11 1.00 3.00 4.00 1.30 1.30 76-85: 5.00+
115 Plus sm see notes
Mid-Band [MVA]
Forethought Financial
Secure Bonus 0-75: 7.50+
115 Plus sm A- 1 09/19/11 1.00 3.00 4.00 1.30 1.30 76-85: 5.00+
High-Band see notes
[MVA]
Aviva Life & Annuity
(Income Series) 0-75: 6.50+
Income Select A 1 11/04/11 1.00 0.00 1.00 2.00 3.02 1.20 1.20 76-78: 4.50+
Spirit Plus see notes
Low-Band
Aviva Life & Annuity
(Income Series) 0-75: 5.00+
Income Select A 1 11/04/11 1.00 0.00 1.00 2.00 3.02 1.20 1.20 76-78: 3.00+
Spirit Plus S see notes
Low-Band
Great American Life 0-75: 6.50+
Insurance Company 76-80: 5.50+
A 1 08/22/11 1.10 0.00 1.10 1.10 1.01 81-85: 2.50+
Safe Return
[TSA, LOAN] see notes
Page 12 of 28
12/02/2011
Fixed Annuities
Forethought Financial 0-75: 7.00+
Income 125 A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.00+
Mid-Band see notes
Forethought Financial 0-75: 7.00+
Income 125 A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.00+
High-Band see notes
Forethought Financial 0-75: 7.00+
Secure Income A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.00+
125 Low-Band see notes
Forethought Financial 0-75: 7.00+
Secure Income A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.00+
125 Mid-Band see notes
Forethought Financial 0-75: 7.00+
Secure Income A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.00+
125 High-Band see notes
Aviva Life & Annuity
(Income Series)
Income 0-75: 7.50+
A 1 11/04/11 1.00 0.00 1.00 1.00 1.00 76-78: 5.50+
Preferred Ten see notes
Low-Band
[MVA]
Forethought Financial
Index Bonus 0-75: 8.00+
115sm A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.50+
Low-Band see notes
[MVA]
Forethought Financial
0-75: 8.00+
Index Bonus
A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.50+
115sm see notes
Mid-Band [MVA]
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Forethought Financial
0-75: 8.00+
Index Bonus
A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.50+
115sm see notes
High-Band [MVA]
Phoenix Life Insurance
Company
0-75: 7.50
Phoenix 76-80: 5.00
B+ 1 11/01/11 1.00 0.00 1.00 1.00 1.00 81-85: 3.00
Reflections Gold
see notes
(State Specific)
[MVA]
North American
Company
Freedom Choice 0-75: 5.50+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 76-79: 4.13+
10 Low-Band see notes
[TSA, MVA,
LOAN]
American National
Insurance Company 0-75: 8.00+
ANICO Strategy 76-80: 6.50+
A 1 12/01/11 1.00 0.00 1.00 1.00 1.00 81-85: 5.00+
Indexed Annuity see notes
10
Forethought Financial 0-75: 7.00+
Income 125 A- 1 09/19/11 1.00 0.00 1.00 1.00 1.00 76-85: 5.00+
Low-Band see notes
Page 13 of 28
12/02/2011
Fixed Annuities
Phoenix Life Insurance
Company
Phoenix 0-75: 7.50
76-80: 5.00
Reflections Gold B+ 1 0.00 0.00 0.00 81-85: 3.00
(AK, MN, MO, see notes
NC, NJ, VA, WA)
[MVA]
Surrender Charges Last 9 Years
American General Life
Insurance Company 0-75: 6.00
AG HorizonPlus A 6 11/07/11 2.00 6.00 8.00 2.65 2.65 76-80: 3.20
81-85: 1.35
(CA, OH) [MVA]
Sagicor Life Insurance
Company
Platinum Series
A- 1 10/03/11 2.00 0.00 2.00 5.00 7.10 2.55 2.11 Call
Fixed Indexed
Annuity w/Bonus
[MVA]
National Western Life
NWL Ultra Future 0-75: 5.00+
A 1 08/18/11 2.25 0.00 2.25 2.00 4.30 2.48 1.36 76-80: 3.00+
(2% Bonus see notes
states) [LOAN]
National Western Life 0-75: 5.00+
NWL Ultra Value A 1 08/18/11 2.25 0.00 2.25 2.00 4.30 2.48 1.36 76-80: 3.00+
[LOAN] see notes
Americo
Ultimate One
A- 1 09/15/11 2.00 0.00 2.00 4.00 6.08 2.45 2.45 Call
Index 9 Bonus
[LOAN]
American General Life
Insurance Company 0-75: 6.00
AG HorizonIndex 76-80: 3.50
A 6 11/07/11 2.00 0.00 2.00 4.00 6.08 2.45 2.45 81-85: 2.00
Annuity 9 (CA, see notes
OH) [MVA]
Life of the Southwest
0-75: 6.00+
SecurePlus
A 1 08/29/11 1.95 0.00 1.95 3.00 5.01 2.29 2.29 76-85: 3.50+
Premier 3 [TSA, see notes
LOAN]
Sagicor Life Insurance
Company
Platinum Series A- 1 10/03/11 2.25 0.00 2.25 2.25 1.58 Call
Fixed Indexed
Annuity
American General Life
Insurance Company
0-75: 6.00+
AG Vision A 1 11/07/11 2.10 0.00 2.10 2.10 2.01 76-UP: 5.00+
Advantage 9(CA, see notes
OH) [MVA]
American General Life
Insurance Company 0-75: 6.00+
AG Vision A 1 11/07/11 2.10 0.00 2.10 2.10 1.12 76-80: 5.00+
Advantage 9 see notes
[MVA]
National Western Life 0-75: 6.50+
NWL Global A 1 08/18/11 2.10 0.00 2.10 2.10 1.12 76-80: 4.50+
Lookback [LOAN] see notes
Page 14 of 28
12/02/2011
Fixed Annuities
Americo 0-80: 9.00
Ultimate One A- 1 09/15/11 2.10 0.00 2.10 2.10 2.01 81-85: 7.00
Index 9 [LOAN] see notes
American General Life
Insurance Company 0-75: 6.00
A 6 11/07/11 1.35 6.00 7.35 2.00 1.88 76-80: 3.20
AG HorizonPlus 81-85: 1.35
[MVA]
North American
Company 0-80: 5.50+
A+ 5 11/16/11 1.60 3.00 4.60 1.93 1.66 81-85: 4.13+
North American
see notes
Director
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Fidelity & Guaranty Life 0-79: 9.00+
FG Index-Choice B++ 1 12/01/11 1.50 0.00 1.50 3.00 4.54 1.83 1.48 80-85: 4.50+
9 see notes
American General Life 0-75: 6.00+
Insurance Company 76-80: 3.50+
AG HorizonIndex A 6 11/07/11 1.30 0.00 1.30 4.00 5.35 1.74 1.64 81-85: 2.00+
Annuity 9 [MVA] see notes
Presidential Life 0-75: 3.50
76-80: 2.60
FPDA, No Load B++ 1 08/24/11 1.65 0.00 1.65 1.65 1.16 81-85: 0.75
Flex see notes
ING Annuity and
Asset Sales
ING Envoy Nine 0-80: 6.00+
A 1 08/24/11 1.50 0.00 1.50 1.50 1.06
Fixed Index see notes
Annuity
Low-Band [MVA]
ING Annuity and
Asset Sales
ING Envoy Nine
0-80: 6.00+
Fixed Index A 1 08/24/11 1.50 0.00 1.50 1.50 1.06
see notes
Annuity
High-Band
[MVA]
Lincoln Financial Group
Lincoln 0-75: 7.00+
OptiChoice 9 A+ 1 12/01/11 1.30 0.00 1.30 1.30 1.03 76-80: 5.25+
High-Band see notes
[MVA]
National Western Life
0-75: 5.00+
NWL Value
A 1 08/18/11 1.00 0.00 1.00 2.00 3.02 1.22 1.22 76-80: 3.00+
Assurance see notes
[LOAN]
Lincoln Financial Group
0-75: 7.00+
Lincoln
A+ 1 12/01/11 1.15 0.00 1.15 1.15 1.02 76-80: 5.25+
OptiChoice 9 see notes
Low-Band [MVA]
Surrender Charges Last 8 Years
Liberty Life Insurance
Company 0-75: 5.00+
B++ 8 12/01/11 2.25 1.00 3.25 2.00 5.32 2.63 2.63 76-UP: 2.00+
Enhanced Choice
see notes
8 [MVA]
Page 15 of 28
12/02/2011
Fixed Annuities
American General Life
Insurance Company 0-75: 5.00
AG HorizonFlex A 1 11/07/11 2.00 2.00 4.00 2.25 2.25 76-80: 4.00
81-85: 3.00
(CA, OH)
American General Life
Insurance Company
AG Global 8 0-75: 4.75
A 1 11/07/11 2.00 0.00 2.00 2.00 2.00 76-80: 3.00
Index Annuity
(CA,OH)
North American
Company 0-75: 5.50+
76-79: 4.13+
NA Performance A+ 1 11/16/11 1.20 0.00 1.20 5.00 6.26 1.82 1.64 80-85: 2.75+
Choice 8 Plus see notes
[MVA]
North American 0-75: 5.50+
Company 76-79: 4.13+
NA Performance A+ 1 11/16/11 1.80 0.00 1.80 1.80 1.10 80-85: 2.75+
Choice 8 [MVA] see notes
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.65 0.00 1.65 1.65 1.08 81-85: 2.75+
(5%) 8
High-Band [TSA, see notes
MVA, LOAN]
Fidelity & Guaranty Life
FG Index-Escalator 8 Product has been withdrawn from sale effective 11/22/2011
American General Life 0-75: 5.00
Insurance Company A 1 11/07/11 1.30 2.00 3.30 1.55 1.72 76-80: 4.00
AG HorizonFlex 81-85: 3.00
Lincoln Financial Group 0-75: 6.00
Lincoln OptiPoint 76-80: 4.00
A+ 1 12/01/11 1.00 0.00 1.00 4.00 5.04 1.50 1.50 81-85: 2.00
8 High-Band
see notes
[MVA]
Lincoln Financial Group 0-75: 6.00
Lincoln OptiPoint 76-80: 4.00
A+ 1 12/01/11 1.00 0.00 1.00 3.00 4.03 1.37 1.37 81-85: 2.00
8 Low-Band
see notes
[MVA]
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.35 0.00 1.35 1.35 1.04 81-85: 2.75+
8 High-Band
[TSA, MVA, see notes
LOAN]
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.30 0.00 1.30 1.30 1.04 81-85: 2.75+
(5%) 8
Low-Band [TSA, see notes
MVA, LOAN]
Company / AM Last
Years Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Change Rate Rate
Gtd Rate Bonus Out Rate Yield to Surrender Age: Rate
American General
Life Insurance
Company 0-75: 4.75
A 1 11/07/11 1.30 0.00 1.30 1.30 1.04
AG Global 8 76-80: 3.00
Index Annuity
Page 16 of 28
12/02/2011
Fixed Annuities
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 2.75+
8 Low-Band
[TSA, MVA, see notes
LOAN]
Surrender Charges Last 7 Years
Integrity Life
Insurance
New Momentum A+ 1 11/30/11 4.00 0.00 4.00 4.00 1.42 0-85: 2.00
QIO
Symetra Life
Insurance Company
0-75: 4.00
Symetra A 3 11/29/11 3.10 0.50 3.60 3.17 1.97 76-85: 2.50
Custom 7 (3) 86-90: 1.50
Year High-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 2.95 0.50 3.45 3.02 1.90 Call
Custom 7 (3)
Year High-Band
Symetra Life
Insurance Company
0-75: 4.00
Symetra A 3 11/29/11 2.85 0.50 3.35 2.92 1.86 76-85: 2.50
Custom 7 (3) 86-90: 1.50
Year Mid-Band
National Western Life 0-75: 5.50+
NWL IMPACT 7 A 1 08/18/11 2.15 0.00 2.15 5.00 7.26 2.86 1.87 76-80: 3.50+
[LOAN] see notes
National Western Life 0-75: 4.50+
NWL IMPACT 7 A 1 08/18/11 2.15 0.00 2.15 5.00 7.26 2.86 1.87 76-80: 2.50+
S [LOAN] see notes
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 2.70 0.50 3.20 2.77 1.80 Call
Custom 7 (3)
Year Mid-Band
Fidelity & Guaranty
Life
0-79: 5.00
Prosperity Elite B++ 1 12/01/11 2.00 0.00 2.00 5.00 7.10 2.71 1.85 80-85: 2.50
7 Protection
Integrity Life
Insurance
0-79: 4.00
SPDA Series II A+ 1 11/30/11 2.70 0.00 2.70 2.70 1.24 80-85: 2.25
1
Symetra Life
Insurance Company
0-75: 4.00
Symetra A 5 11/29/11 2.60 0.50 3.10 2.67 2.21 76-85: 2.50
Custom 7 (5) 86-90: 1.50
Year High-Band
Symetra Life
Insurance Company
0-75: 4.00
Symetra A 3 11/29/11 2.55 0.50 3.05 2.62 1.73 76-85: 2.50
Custom 7 (3) 86-90: 1.50
Year Mid-Band
Page 17 of 28
12/02/2011
Fixed Annuities
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 5 11/29/11 2.45 0.50 2.95 2.52 2.10 Call
Custom 7 (5)
Year High-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 2.40 0.50 2.90 2.47 1.67 Call
Custom 7 (3)
Year Mid-Band
Symetra Life
Insurance Company
0-75: 4.00
Symetra A 5 11/29/11 2.40 0.50 2.90 2.47 2.07 76-85: 2.50
Custom 7 (5) 86-90: 1.50
Year Mid-Band
Fidelity & Guaranty
Life
0-79: 5.00
Prosperity Elite B++ 1 12/01/11 2.00 0.00 2.00 3.00 5.06 2.43 1.57 80-85: 2.50
7 Enhanced
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 5 11/29/11 2.25 0.50 2.75 2.32 1.96 Call
Custom 7 (5)
Year Mid-Band
Symetra Life
Insurance Company
0-75: 5.00+
Symetra Edge 76-85: 2.25+
A 1 11/29/11 2.25 0.00 2.25 2.25 1.61 86-UP: 0.85+
Pro 7
High-Band see notes
[MVA]
Presidential Life
0-75: 3.00
Patriot 1 Year B++ 1 08/24/11 2.20 0.00 2.20 2.20 1.26 76-80: 2.50
SPDA 81-91: 1.67
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
American National Life
Insurance Company of
NY 0-80: 3.50+
A 2 12/01/11 1.35 2.00 3.35 2.20 2.15 81-85: 2.50+
WealthQuest
see notes
Citadel 7 Diamond
High-Band
Symetra Life Insurance
Company 0-75: 4.00
Symetra Custom 7 A 5 11/29/11 2.05 0.50 2.55 2.12 1.82 76-85: 2.50
86-90: 1.50
(5) Year Mid-Band
American National Life
Insurance Company of
NY 0-80: 3.50+
A 2 12/01/11 1.25 2.00 3.25 2.10 2.10 81-85: 2.50+
WealthQuest
see notes
Citadel 7 Diamond
Low-Band
Americo 0-80: 7.00
Ultimate One A- 1 09/15/11 2.05 0.00 2.05 2.05 1.58 81-85: 5.00
Index 7 [LOAN] see notes
Page 18 of 28
12/02/2011
Fixed Annuities
Aviva Life & Annuity 0-75: 3.00+
(Income Series) 76-80: 1.75+
A 1 11/04/11 2.00 0.00 2.00 2.00 2.00 81-81: 1.75+
Income Select 7
Low-Band [MVA] see notes
Aviva Life & Annuity 0-75: 3.00+
(Income Series) 76-80: 1.75+
A 1 11/04/11 2.00 0.00 2.00 2.00 2.00 81-81: 1.75+
Income Select 7
High-Band [MVA] see notes
Fidelity & Guaranty Life 0-79: 5.00
B++ 1 12/01/11 2.00 0.00 2.00 2.00 1.14
Prosperity Elite 7 80-85: 2.50
North American Company
Charter 7 (TX) A+ 1 11/16/11 2.00 0.00 2.00 2.00 1.14 see notes
[TSA, MVA, LOAN]
American General Life
Insurance Company
AG Vision 0-75: 6.00
A 1 11/07/11 2.00 0.00 2.00 2.00 2.00 76-UP: 5.00
Advantage 7 (CA,
OH) [MVA]
First Symetra Nat’l Life
Ins Co of NY
First Symetra A 5 11/29/11 1.90 0.50 2.40 1.97 1.71 Call
Custom 7 (5) Year
Mid-Band
Integrity Life Insurance 0-79: 3.00
A+ 5 11/30/11 1.95 0.00 1.95 1.95 1.68
SPDA Series II 5 80-85: 1.25
Symetra Life Insurance 0-75: 5.00+
Company 76-85: 2.25+
Symetra Edge Pro A 1 11/29/11 1.95 0.00 1.95 1.95 1.56 86-UP: 0.85+
7 Low-Band [MVA] see notes
Fidelity & Guaranty Life
FG 0-79: 5.00+
B++ 1 12/01/11 1.50 0.00 1.50 3.00 4.54 1.93 1.59 80-85: 2.50+
Index-Accelerator see notes
7
Symetra Life Insurance
Company
0-75: 4.00
Symetra Custom 7 A 5 11/29/11 1.80 0.50 2.30 1.87 1.64 76-85: 2.50
(5-Year ROP) 86-90: 1.50
High-Band
Symetra Life Insurance
Company
0-75: 4.00
Symetra Custom 7 A 3 11/29/11 1.80 0.50 2.30 1.87 1.41 76-85: 2.50
(3-Year ROP) 86-90: 1.50
High-Band
Integrity Life Insurance
0-79: 5.00
New Momentum 7 A+ 7 11/30/11 1.75 0.75 2.50 1.86 1.86 80-85: 3.00
[MVA]
Symetra Life Insurance
Company 0-75: 4.00
Symetra Custom 7 A 5 11/29/11 1.75 0.50 2.25 1.82 1.61 76-85: 2.50
86-90: 1.50
(5) Year Low-Band
Great American Life 0-75: 5.50+
Insurance Company 76-80: 5.10+
American Legend A 1 08/22/11 1.80 0.00 1.80 1.80 1.11 81-85: 3.50+
II [LOAN] see notes
Fidelity & Guaranty Life
Insurance Company of
New York
B++ 1 12/01/11 1.75 0.00 1.75 1.75 1.11 see notes
FGNY
Index-Safety 7
Page 19 of 28
12/02/2011
Fixed Annuities
Integrity Life Insurance 0-79: 4.00
A+ 3 11/30/11 1.60 1.00 2.60 1.74 1.40
SPDA Series II 3 80-85: 2.25
Company / AM Last
Years Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Change Rate Rate
Gtd Rate Bonus Out Rate Yield to Surrender Age: Rate
Great American Life
Insurance Company 18-70: 6.50+
71-80: 5.25+
Secure A 1 10/03/11 1.60 1.00 2.60 1.74 1.23 81-89: 5.00+
American see notes
[LOAN]
Symetra Life
Insurance Company
0-75: 4.00
Symetra A 3 11/29/11 1.65 0.50 2.15 1.72 1.35 76-85: 2.50
Custom 7 (3) 86-90: 1.50
Year Low-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.65 0.50 2.15 1.72 1.35 Call
Custom 7
(3-Year ROP)
High-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 5 11/29/11 1.65 0.50 2.15 1.72 1.54 Call
Custom 7
(5-Year ROP)
High-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 5 11/29/11 1.60 0.50 2.10 1.67 1.50 Call
Custom 7 (5)
Year Low-Band
Symetra Life
Insurance Company
Symetra 0-75: 4.00
A 5 11/29/11 1.60 0.50 2.10 1.67 1.50 76-85: 2.50
Custom 7 86-90: 1.50
(5-Year ROP)
Mid-Band
American General
Life Insurance
Company
0-75: 6.00
AG Vision A 1 11/07/11 1.65 0.00 1.65 1.65 1.09 76-85: 5.00
Advantage 7
[MVA]
American National
Insurance Company 0-80: 2.50+
Citadel 7 A 2 12/01/11 1.35 2.00 3.35 1.63 1.38 81-85: 1.50+
Diamond see notes
High-Band
Symetra Life
Insurance Company
Symetra 0-75: 4.00
A 3 11/29/11 1.55 0.50 2.05 1.62 1.31 76-85: 2.50
Custom 7 86-90: 1.50
(3-Year ROP)
Mid-Band
Page 20 of 28
12/02/2011
Fixed Annuities
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 1.50 0.50 2.00 1.57 1.29 Call
Custom 7 (3)
Year Low-Band
American National
Insurance Company 0-80: 2.50+
Citadel 7 A 2 12/01/11 1.25 2.00 3.25 1.53 1.35 81-85: 1.50+
Diamond see notes
Low-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 5 11/29/11 1.45 0.50 1.95 1.52 1.39 Call
Custom 7
(5-Year ROP)
Mid-Band
Aviva Life & Annuity
(Income Series)
0-75: 3.00+
Income Select 76-80: 1.75+
A 1 11/04/11 1.50 0.00 1.50 1.50 1.07 81-81: 1.75+
Spirit 7
see notes
(1-Year)
High-Band
ING Annuity and
Asset Sales
0-80: 5.00+
ING Secure A 1 08/24/11 1.50 0.00 1.50 1.50 1.07 see notes
Index Seven
High-Band
ING Annuity and
Asset Sales
0-80: 5.00+
ING Secure A 1 08/24/11 1.50 0.00 1.50 1.50 1.07 see notes
Index Seven
Low-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.40 0.50 1.90 1.47 1.24 Call
Custom 7
(3-Year ROP)
Mid-Band
Integrity Life
Insurance
0-79: 5.00
New Momentum A+ 6 11/30/11 1.35 0.75 2.10 1.46 1.41 80-85: 3.00
6 [MVA]
Life of the Southwest 0-75: 5.00+
SecurePlus 76-85: 3.50+
A 1 09/22/11 1.40 0.00 1.40 1.40 1.06 86-89: 1.80+
Silver [TSA,
see notes
LOAN]
American National
Insurance Company 0-80: 3.00+
A 1 12/01/11 1.25 1.00 2.25 1.39 1.18 81-UP: 1.00+
Palladium
see notes
Advisor [MVA]
Life of the Southwest
RetireMax FPDA
A 1 09/22/11 1.25 1.00 2.25 1.39 1.18 Call
1 403(b) [TSA,
LOAN]
Company / AM Last
Years Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Change Rate Rate
Gtd Rate Bonus Out Rate Yield to Surrender Age: Rate
Page 21 of 28
12/02/2011
Fixed Annuities
71-75: 5.00+
Life of the Southwest 76-80: 3.75+
A 1 09/22/11 1.25 1.00 2.25 1.39 1.18 81-85: 3.50+
RetireOne
see notes
Symetra Life
Insurance Company
Symetra 0-75: 4.00
A 3 11/29/11 1.25 0.50 1.75 1.32 1.18 76-85: 2.50
Custom 7 86-90: 1.50
(3-Year ROP)
Low-Band
Symetra Life
Insurance Company
Symetra 0-75: 4.00
A 3 11/29/11 1.25 0.50 1.75 1.32 1.18 76-85: 2.50
Custom 7 86-90: 1.50
(3-Year ROP)
Mid-Band
Symetra Life
Insurance Company
Symetra 0-75: 4.00
A 5 11/29/11 1.25 0.50 1.75 1.32 1.25 76-85: 2.50
Custom 7 86-90: 1.50
(5-Year ROP)
Low-Band
Symetra Life
Insurance Company
Symetra 0-75: 4.00
A 5 11/29/11 1.25 0.50 1.75 1.32 1.25 76-85: 2.50
Custom 7 86-90: 1.50
(5-Year ROP)
Mid-Band
American National
Insurance Company
Palladium A 1 12/01/11 1.25 0.00 1.25 1.25 1.04 see notes
Century
North American
Company 0-75: 4.50+
76-80: 3.38+
North American A+ 1 11/16/11 1.25 0.00 1.25 1.25 1.04 81-85: 2.25+
Flex I [MVA, see notes
LOAN]
Integrity Life
Insurance
0-79: 5.00
New Momentum A+ 5 11/30/11 1.10 0.75 1.85 1.21 1.18 80-85: 3.00
5 [MVA]
Lincoln Financial
Group
0-75: 6.00+
Lincoln 76-80: 4.50+
A+ 1 12/01/11 1.20 0.00 1.20 1.20 1.03 81-85: 3.00+
OptiChoice 7
High-Band see notes
[MVA]
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 5 11/29/11 1.10 0.50 1.60 1.17 1.14 Call
Custom 7
(5-Year ROP)
Mid-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.10 0.50 1.60 1.17 1.11 Call
Custom 7
(3-Year ROP)
Mid-Band
Page 22 of 28
12/02/2011
Fixed Annuities
Integrity Life
Insurance
0-79: 5.00
New Momentum A+ 2 11/30/11 1.00 0.75 1.75 1.11 1.11 80-85: 3.00
2 [MVA]
Integrity Life
Insurance
0-79: 5.00
New Momentum A+ 3 11/30/11 1.00 0.75 1.75 1.11 1.11 80-85: 3.00
3 [MVA]
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 5 11/29/11 1.00 0.50 1.50 1.07 1.07 Call
Custom 7
(5-Year ROP)
Low-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.00 0.50 1.50 1.07 1.07 Call
Custom 7
(3-Year ROP)
Low-Band
Lincoln Financial
Group
0-75: 6.00+
Lincoln 76-80: 4.50+
A+ 1 12/01/11 1.05 0.00 1.05 1.05 1.01 81-85: 3.00+
OptiChoice 7
Low-Band see notes
[MVA]
North American
Company 0-75: 7.50+
76-80: 5.63+
Precision 7 A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 3.75+
[TSA, MVA, see notes
LOAN]
North American
Company
0-75: 7.50+
North American 76-80: 5.63+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 3.75+
Prizm Plus 7
[TSA, MVA, see notes
LOAN]
Aviva Life & Annuity
(Income Series)
0-75: 3.00+
Income Select 76-80: 1.75+
A 1 11/04/11 1.00 0.00 1.00 1.00 1.00 81-81: 1.75+
Spirit 7
see notes
(1-Year)
Low-Band
American National
Insurance Company
Palladium 0-UP: 4.00+
A 1 12/01/11 1.00 0.00 1.00 1.00 1.00
see notes
Group Fixed
Deferred
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
North American 0-75: 7.50+
Company 76-80: 5.63+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 3.75+
Charter 7 [TSA,
MVA, LOAN] see notes
Page 23 of 28
12/02/2011
Fixed Annuities
American National
Insurance Company 0-75: 5.00+
ANICO Strategy 76-80: 4.00+
A 1 12/01/11 1.00 0.00 1.00 1.00 1.00 81-85: 3.00+
Indexed Annuity see notes
7
Surrender Charges Last 6 Years
Sagicor Life
Insurance Company
A- 1 10/03/11 2.50 0.00 2.50 1.00 2.50 2.08 Call
Sage Choice
[MVA]
Fidelity & Guaranty Life
FG Index-Escalator 6 Product has been withdrawn from sale effective 11/22/2011
Aviva Life & Annuity
(Income Series)
Income 0-75: 5.00+
A 1 11/04/11 1.30 0.00 1.30 1.30 1.05 76-80: 3.50+
Preferred Six see notes
High-Band
[MVA]
Great American Life
Insurance Company 0-75: 4.00+
76-80: 3.00+
Safe Outlook A 1 08/22/11 1.25 0.00 1.25 1.25 1.04 81-85: 2.00+
Low-Band see notes
[LOAN]
Great American Life
Insurance Company 0-75: 4.00+
76-80: 3.00+
Safe Outlook A 1 08/22/11 1.25 0.00 1.25 1.25 1.04 81-85: 2.00+
High-Band see notes
[LOAN]
North American
Company
Freedom Choice 0-75: 5.50+
76-80: 4.13+
(5%) 6 A+ 1 11/16/11 1.20 0.00 1.20 1.20 1.03 81-85: 2.75+
High-Band see notes
[TSA, MVA,
LOAN]
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.10 0.00 1.10 1.10 1.02 81-85: 2.75+
6 High-Band
[TSA, MVA, see notes
LOAN]
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 2.75+
6 Low-Band
[TSA, MVA, see notes
LOAN]
American Equity
Investment Life 0-75: 4.13+
Insurance Company 76-80: 3.09+
A- 1 10/08/11 1.00 0.00 1.00 1.00 1.42
Integrity Gold see notes
(Index 5-07)
Aviva Life & Annuity
(Income Series)
Income 0-75: 5.00+
A 1 11/04/11 1.00 0.00 1.00 1.00 1.00 76-80: 3.50+
Preferred Six see notes
Low-Band
[MVA]
Page 24 of 28
12/02/2011
Fixed Annuities
North American
Company
0-75: 5.50+
Freedom Choice 76-80: 4.13+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 2.75+
(5%) 6
Low-Band [TSA, see notes
MVA, LOAN]
Surrender Charges Last 5 Years
North American
Company
North American
A+ 1 11/16/11 2.00 0.00 2.00 2.00 1.20 see notes
Formula Choice
(TX) [TSA, MVA,
LOAN]
Aviva Life & Annuity
(Income Series) 0-75: 2.00+
76-80: 1.05+
Income Select 5 A 1 11/04/11 2.00 0.00 2.00 2.00 2.00 81-83: 0.95+
Low-Band see notes
[MVA]
Aviva Life & Annuity
(Income Series) 0-75: 2.00+
76-80: 1.05+
Income Select 5 A 1 11/04/11 2.00 0.00 2.00 2.00 2.00 81-83: 0.95+
High-Band see notes
[MVA]
Symetra Life
Insurance Company
0-75: 2.50
Symetra A 3 11/29/11 1.60 0.50 2.10 1.70 1.46 76-85: 1.50
Custom 5 (3) 86-90: 1.00
Year High-Band
Symetra Life
Insurance Company
0-75: 2.50
Symetra A 3 11/29/11 1.55 0.50 2.05 1.65 1.43 76-85: 1.50
Custom 5 (3) 86-90: 1.00
Year Mid-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.45 0.50 1.95 1.55 1.37 Call
Custom 5 (3
Year)
High-Band
Symetra Life
Insurance Company
0-75: 2.50
Symetra A 3 11/29/11 1.45 0.50 1.95 1.55 1.37 76-85: 1.50
Custom 5 (3) 86-90: 1.00
Year Mid-Band
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 1.40 0.50 1.90 1.50 1.34 Call
Custom 5 (3
Year) Mid-Band
Aviva Life & Annuity
(Income Series) 0-75: 2.00+
76-80: 1.05+
Income Select A 1 11/04/11 1.50 0.00 1.50 1.50 1.10 81-83: 0.95+
Spirit 5 (1-Year) see notes
High-Band
Page 25 of 28
12/02/2011
Fixed Annuities
ING Annuity and
Asset Sales 0-80: 3.25+
ING Secure A 1 08/24/11 1.50 0.00 1.50 1.50 1.10
see notes
Index Five
American National
Insurance Company
Citadel 5 0-80: 2.00
A 2 12/01/11 1.20 1.00 2.20 1.40 1.28 81-85: 1.00
Diamond
High-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 1.30 0.50 1.80 1.40 1.28 Call
Custom 5 (3
Year) Mid-Band
American National
Life Insurance
Company of NY
WealthQuest 0-80: 3.00
A 2 12/01/11 1.20 1.00 2.20 1.40 1.28 81-85: 2.00
Citadel 5
Diamond
High-Band
American National
Life Insurance
Company of NY
WealthQuest 0-80: 3.00
A 2 12/01/11 1.10 1.00 2.10 1.30 1.24 81-85: 2.00
Citadel 5
Diamond
Low-Band
American National
Insurance Company
Citadel 5 0-80: 2.00
A 2 12/01/11 1.10 1.00 2.10 1.30 1.24 81-85: 1.00
Diamond
Low-Band
Symetra Life
Insurance Company
0-75: 2.50
Symetra Custom A 3 11/29/11 1.15 0.50 1.65 1.25 1.19 76-85: 1.50
5 (3-Year ROP) 86-91: 1.00
High-Band
Symetra Life
Insurance Company 0-75: 4.00+
76-85: 1.75+
Symetra Edge A 1 11/29/11 1.25 0.00 1.25 1.25 1.05 86-90: 0.60+
Pro 5 High-Band see notes
[MVA]
ING Annuity and
Asset Sales 0-80: 3.25+
ING Secure A 1 08/24/11 1.25 0.00 1.25 1.25 1.05
see notes
Index Five
Symetra Life
Insurance Company
0-75: 2.50
Symetra Custom A 3 11/29/11 1.10 0.50 1.60 1.20 1.16 76-85: 1.50
5 (3-Year ROP) 86-91: 1.00
Mid-Band
Lincoln Financial
Group
0-75: 5.00+
Lincoln 76-80: 3.75+
A+ 1 12/01/11 1.15 0.00 1.15 1.15 1.03 81-85: 2.50+
OptiChoice 5
High-Band see notes
[MVA]
Page 26 of 28
12/02/2011
Fixed Annuities
Symetra Life
Insurance Company
0-75: 2.50
Symetra Custom A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 76-85: 1.50
5 (3) Year 86-90: 1.00
Low-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 Call
Custom 5 3-Year
(ROP)
Low-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 Call
Custom 5 3-Year
(ROP) Mid-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 Call
Custom 5 3-Year
(ROP) Mid-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra
A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 Call
Custom 5 3-Year
(ROP)
High-Band
First Symetra Nat’l
Life Ins Co of NY
First Symetra A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 Call
Custom 5 (3
Year) Low-Band
Symetra Life
Insurance Company
0-75: 2.50
Symetra Custom A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 76-85: 1.50
5 (3-Year ROP) 86-91: 1.00
Low-Band
Company / AM Years Last Base Bonus Current Premium Bail Effective CUR GTD Commissions
Product Name Best Gtd Change Rate Rate Rate Bonus Out Rate Yield to Surrender Age: Rate
Symetra Life
Insurance Company
0-75: 2.50
Symetra Custom A 3 11/29/11 1.00 0.50 1.50 1.10 1.10 76-85: 1.50
5 (3-Year ROP) 86-91: 1.00
Mid-Band
Symetra Life
Insurance Company 0-75: 4.00+
76-85: 1.75+
Symetra Edge A 1 11/29/11 1.00 0.00 1.00 1.00 1.00 86-90: 0.60+
Pro 5 Low-Band see notes
[MVA]
American Equity
Investment Life
Insurance Company 79-85: 0.50+
A- 1 11/07/11 1.00 0.00 1.00 1.00 1.00
Heritage Gold see notes
(ICC11-IDX2)
Page 27 of 28
12/02/2011
Fixed Annuities
Aviva Life & Annuity
(Income Series) 0-75: 2.00+
76-80: 1.05+
Income Select A 1 11/04/11 1.00 0.00 1.00 1.00 1.00 81-83: 0.95+
Spirit 5 (1-Year) see notes
Low-Band
Lincoln Financial Group 0-75: 5.00+
Lincoln 76-80: 3.75+
A+ 1 12/01/11 1.00 0.00 1.00 1.00 1.00 81-85: 2.50+
OptiChoice 5
see notes
Low-Band [MVA]
North American
Company
0-75: 5.00+
North American 76-80: 3.75+
A+ 1 11/16/11 1.00 0.00 1.00 1.00 1.00 81-85: 2.50+
Formula Choice
[TSA, MVA, see notes
LOAN]
Surrender Charges Last 3 Years
Aviva Life & Annuity
(Income Series) 0-75: 0.25+
Income Select A 1 11/04/11 1.35 0.00 1.35 1.35 1.12 76-80: 0.25+
Spirit 3 (1-Year) see notes
High-Band
Aviva Life & Annuity
(Income Series) 0-75: 0.25+
Income Select A 1 11/04/11 1.00 0.00 1.00 1.00 1.00 76-80: 0.25+
Spirit 3 (1-Year) see notes
Low-Band
Page 28 of 28
12/02/2011
