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									                                                                                                                                                          October Spreadsheet                                                                                                                                                          http://annuity1.com
              888.661.1999
                                                                                                 Rates Effective 10/24/2011                                        Guar        Withdrawal                    Surrender                             Minimum                                         Iss.                               Features Rev.
                                                                                                                                                                                                                                                                                     Minimum                    Comm. Rev.
                                                          Products                                                                                                                                                                                                                   Premium
                                                                                                 (Rates Subject to Change)                                         Min.        Provision                      Charge                               Guarantee                                       Age                10-1-12            5-7-12
                                                                                                                                                                                                                                                                                                                                       Full Value at
                                                                                                    Account Options                           Current Rates         Min.                                       14 Year                           87.5% of premium minus
                                                                                                                                                                                                                                             withdrawals, accumulated at the
                                                                                                                                                                                                                                                                                                   0 -75        8.50%                     Death
                                                      MarketPower                                                                                                                                                                            Minimum Guaranteed Contract
                           FIXED INDEX ANNUITY
                                                      Bonus Index®                     1-yr Monthly Avg Participation                          20.00%                10%
                                                                                                                                                                               Interest only
                                                                                                                                                                                                                                                           Rate
                                                                                                                                                                                                                                                                                       Min.
                                                       Fixed Index                                                                                                             1st contract            20,20,19,19,18,17,16,1                                                        $20,000
    EquiTrust Life                                                                                                                                                                                       4,12,10,8,6,4,2,0%
                                                         Annuity                                                                                                                  year**                                                                                              NQ/Q                                           Income For life
 Insurance Company                                                                           1-yr Point-to-Point Cap                            3.25%              1.00%                                                                          (2% for 2012 contracts)
                                                                                                                                                                                                                                                                                                  AK/IL/           7.00%
    Des Moines IA
                                                    10.00%                                                                                                                       10.00%                     10 Year (AK, IL)
                                                                                                                                                                                                                                                                                     Additional    OH
                                                                                                                                                                                                                                                                                                                                   (Annual cost 50 bps)
                                                                                                                                                                                                                                                                                                                                  can be turned on after
                                                                                            1-yr Daily Average Cap                              3.50%                                                                                              Minimum Guaranteed                Premiums
                                                   Premium
                                                                                                                                                                   1.00%                                                                                                                                                            2nd contract year.
                                                                                                                                                                                of Account                                                    Interest Rate on 1-Year Fixed
                                                                                                                                                                                                                                                                                     Accepted
 B++ (Good) from                                                                               1-yr Monthly Cap                                 1.50%              0.50%
                                                                                                                                                                                   Value                17, 16, 15, 14, 13, 12,                   Interest (MGIR) 1.00%                         Max issue age in FL is 64 unless
                                                                                                                                                                                                                                                                                                                                   7.00% Rollup for 20
                                                                                                                                                                                                                                                                                      1st year                                            years
                                                    Bonus                                                                                       8.00%                                                      11, 10, 9.5, 0%                                                                       client is an accredited investor
     A.M. Best                                                                            2 - Year Monthly Avg. Cap                                                3.00%         years 2+                                                                                              Only
                                                                                            1-Year Interest Account                             1.50%              1.00%                                      10 Year (OH)                  Except In Wyoming, the MGCR is applied
 BBB+ ("Good")                                   On all first year premiums
                                                                                                                                                                                                       17, 15, 14, 12, 10, 9, 7, 4, 3, 1,
                                                                                                                                                                                                                                              to 90% of premium to determine the
                                                                                                                                                                                                                                                   minimum cash value floor.
        S&P                                                                                                                                                                                                          0%
                                                                                                                                                                                                               MVA + or -
                                                                                                                                                                                                                10 Year
                                                                                                    Account Options                           Current Rates         Min.                                                                       100% of premium paid                                0 - 80         6.00%
$7.36 Billion in                                  MarketTen Bonus                                                                                                                                       10, 10, 10,10,10, 9, 8,              minus partial withdrawals,
                           FIXED INDEX ANNUITY




                                                                                                                                                                                                                                             plus interest earned at the
 assets as of                                         Index®                              1-yr Monthly Avg Participation                       20.00%               10%
                                                                                                                                                                                Interest only
                                                                                                                                                                                                               7, 6, 4%
                                                                                                                                                                                                                                               Minimum Guaranteed
   12/31/10                                        FLEXIBLE PREMIUM                            1-yr Point-to-Point Cap                          3.00%              1.00%        1st contract               10 Year (OH)                         Contract Rate , less                                                  Income For
                                                    6.00%                                    1-yr Daily Average Cap                             3.00%              1.00%           year**
                                                                                                                                                                                                        10, 10, 10, 10, 8, 7,
                                                                                                                                                                                                                                                 surrender charges.
                                                                                                                                                                                                                                                                                       Min.      3.00%                life (Annual
                                                                                                                                                                                                                                                                                     $30,000
                                                   Premium                                        1-yr Monthly Cap                              1.25%              0.50%          10.00%                     6, 4, 1%                        (1% for 2011 contracts)
                                                                                                                                                                                                                                                                                      NQ/Q Additional Deposits
                                                                                                                                                                                                                                                                                                                      cost 50 bps)
   On December 30,                                                                                                                                                               of Account
                                                                                           2 -Year Monthly Avg. Cap                             7.00%              3.00%                                  Return of                                                                              yrs 2-5                  can be
2011, EquiTrust Life                                     Bonus!                                                                                                                     Value
                                                                                                                                                                                                          Premium
                                                                                                                                                                                                                                              Minimum Guaranteed
   was acquired by                               Premiums Received 1-                       1-Year Interest Account                             1.15%              1.00%          years 2+                                                   Interest Rate on 1-Year
                                                                                                                                                                                                                                              Fixed Interest (MGIR)
                                                                                                                                                                                                                                                                                                     0-                 turned on
       affiliates of                                                                                                                                                                                    Guarantee at No
     Guggenheim
                                                       5 years
                                                                                                                                                                                                             Cost!                                    1.00%                                                             after 2nd
                                                                                                                                                                                                               MVA + or -
    Partners, LLC.                                                                                                                                                                                                                                                                                                       contract
Guggenheim Partners                                   MarketTwelve                                                                                                                                              14 Year
   is a privately held                                Bonus Index®                                  Account Options                           Current Rates         Min.                                                                                                                                              year. 7.00%
                          FIXED INDEX ANNUITY




     global financial
                                                        12.00%                                                                                                                  Interest only
                                                                                                                                                                                                       20,20,19,19,18,17,16,1
                                                                                                                                                                                                        4,12,10,8,6,4,2% and
                                                                                                                                                                                                                              87.5% of premium minus                                               0 - 75       8.50% Rollup for
   services firm with
    more than $160                                       Premium                       1-yr Monthly Avg Participation                          20.00%               10%         1st contract                  then 0%
                                                                                                                                                                                                                              withdrawals, accumulated
                                                                                                                                                                                                                                   at the Minimum
                                                                                                                                                                                                                                                                                                                        20 years
   billion in assets                                                                                                                                                               year**
under management.
                                                          Bonus!                             1-yr Point-to-Point Cap                            3.00%              1.00%
                                                                                                                                                                                                                                Guaranteed Contract
                                                                                                                                                                                                                                         Rate
                                                                                                                                                                                                                                                                                       Min.
                                                                                                                                                                                                                                                                                                  Max issue age in FL is 64 unless
                                                                                                                                                                                                                                                                                     $30,000
They are the Ultimate                                                                        1-yr Daily Average Cap                             3.00%              1.00%          10.00%                     MVA + or -
                                                                                                                                                                                                                                                                                      NQ/Q
                                                                                                                                                                                                                                                                                                   client is an accredited investor

Parent of Guggenheim                                 Bonus 12% bonus                                                                                                             of Account
    Life and Annuity                             credited over three years.                       1-yr Monthly Cap                              1.25%              0.50%            Value                                                    (2% for 2012 contracts)                                 0-              0-80
 Company, EquiTrust                              6% Premium Bonus paid                                                                                                            years 2+
                                                    on all premiums; 2%
                                                                                          2 - Year Monthly Avg. Cap                             7.00%                3%
                                                                                                                                                                                                                                              Minimum Guaranteed
     Life Insurance                                                                                                                                                                                                                          Interest Rate on 1-Year                                                                  Nursing Home
     Company, and
                                                    Accumulation Value                      1-Year Interest Account                             1.15%              1.00%                                                                      Fixed Interest (MGIR)                                                                      Waiver
                                                  Bonus added on the first                                                                                                                                                                            1.00%
  Security Benefit Life                                three contract
 Insurance Company.                                    anniversaries.                        Click here to learn more about Guggenheim Partners Parent of
                                                                                                             EquiTrust Life Insurance Company
                                                 DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
                                                 administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                                                                      EquiTrust 10/1/2012
                                                                                                                                        October Spreadsheet                                                                                                                       http://annuity1.com
            888.661.1999
                                                                                  Current Interest Rates , Product Names, and Features                                    Withdrawal                                                             Min.        Iss.       Comm.
                                                        Products                                                                                                          Provision
                                                                                                                                                                                             Surrender Charge                    TGV                                                         Features
                                                                                                 Effective October 1, 2012                                                                                                                      Prem.        Age       Eff. 6/4/12
                                                     Most States Version             Index Account                      Cap Rate            Cap Rate        Par. Rate                               10 Year                       TGV (Total                    Most States                 New RMD
                       FIXED INDEX ANNUITY                                        Monthly Cap - S&P 500®                1.00%                1.00%         100.00%                        For AL, AZ, AR, CO, DC, GA, ID,
                                                                                                                                                                                                                                 Guaranteed
                                                                                                                                                                                                                                   Value) is    15,000      0 - 75     7.25%              Friendly Riders
                                                        Phoenix                                                                                                           Up to 10% in    KS, LA, MA, MI, ND, NE, NM, RI,
                                                                                                                                                                                                                                    equal to                                                Rider Income
                                                                            1 yr Point to Point - S&P 500®              1.50%                1.25%         100.00%             free
                                                                                                                                                                                                SD, TN, VT, WV, WI
                                                                                                                                                                                                                                   87.5% of
                                                                                                                                                                                                                                                           76 - 80       5.00%
                                                                                                                                                                                                                                                                                              available
                                                                                                                                                                                          12, 12, 12, 11,10, 9, 8, 7, 6, 4, then the single
 The Phoenix                                           Personal             2 yr Point to Point - S&P 500®              4.50%                3.50%         100.00%        withdrawals
                                                                                                                                                                           after 1st yr
                                                                                                                                                                                                            0%                     premium,
                                                                                                                                                                                                                                                NQ and Q    81-85        3.00%              Immediately
Companies, Inc.
  Hartford, CT
                                                      Protection              1 yr Point to Point - DJIA®               1.00%                1.00%         100.00%
                                                                                                                                                                                           For CT, FL, IA, IN, MS, NV, OK, accumulate                      For CT, FL, IA, IN, MS, NV,
                                                                                                                                                                                                                                                                                          Income Today
                                                                                                                                                                                                          PA, UT                    d at the                    OK, PA, UT, TX
                                                        Choice               1 yr Point to Point - Euro Stoxx 50        1.00%                1.00%         100.00%                        10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0% TGV Rate
                                                                                                                                                                                                                                 which is set
                                                                                                                                                                                                                                                            0 - 75     7.00%                  Rider
                                                        Annuity                   1 yr Balanced Allocation              1.00%                1.00%         100.00%
                                                                                                                                                                                           For KY, OH, TX: 9.1, 8.2, 7.3, 6.4,
                                                                                                                                                                                           5.5, 4.6, 3.7, 2.8, 1.8, 0.9 then 0%
                                                                                                                                                                                                                                 at issue and
                                                                                                                                                                                                                                 ranges from
                                                                                                                                                                                                                                                           76 - 80       4.75%           30%       Bonus to
     January-10                                                                                                                                                                                                                   1% to 3%                                               the Income benefit
                                                                                     Fixed Account                       0.85%               0.75%            N/A                                      MVA + or -                                           81-85        2.75%           base if income is
  B+ A.M. Best                                              The Version above is approved in AL, AR, AZ, CO, CT, DC, FL, GA, IA, ID, IN, KS, KY, LA, MA, MI, MS, ND, NE, NV, NM, OH, OK, PA, RI, SD, TN, UT, VT, WV, and WI                                                              taken in yr 1,

                                                                                                                        Cap Rate                    Par. Rate                                       10 Year                                                                              37.5% Bonus
                                                                                                                                                                                                                                                           For MN, MO, NC and NJ         to the Incomebenefit
                                                                                                                                                                                                                               TGV (Total
  $14.1                                                 Phoenix
                                                                                     Index Account                 High Band Low Band High Band             Low Band
                                                                                                                                                                                               MN, MO, NJ:
                                                                                                                                                                                                                              Guaranteed                                                 base if income is
                       FIXED INDEX ANNUITY




Billion in
                                                                                  Monthly Cap - S&P 500®           1.00% 1.00%               100.00% 100.00%                               10, 9, 8, 7, 6, 5, 4, 3,
                                                                                                                                                                                                                                Value) is
                                                                                                                                                                                                                                 equal to
                                                                                                                                                                                                                                                15,000      0 - 75     7.00%             taken in yr 2,


Assets under                                           Personal             1 yr Point to Point - S&P 500®         1.25% 1.25%               100.00% 100.00%
                                                                                                                                                                          Up to 10% in
                                                                                                                                                                               free
                                                                                                                                                                                               2, 1, then 0%                    87.5% of
                                                                                                                                                                                                                               the single
                                                                                                                                                                                                                                                           76 - 80       5.00%           45% Bonus
                                                                                                                                                                          withdrawals                                           premium,                                                 to the Incomebenefit
 manangement as of                                    Protection            2 yr Point to Point - S&P 500®           N/A         N/A           N/A             N/A         after 1st yr            MVA + or -                 accumulate        NQ and Q    81-85        2.00%           base if income is
  March 31, 2012                                                                                                                                                                                                                 d at the                                                taken in yr 3
                                                        Choice                1 yr Point to Point - DJIA®          1.00% 1.00%               100.00% 100.00%                                                                   TGV Rate
                                                                                                                                                                                                                              which is set                                               PLUS Provides
  Founded                                               Annuity              1 yr Point to Point - Euro Stoxx 50   1.00% 1.00%               100.00% 100.00%                                                                  at issue and                                               an additional 3%
                                                                                  1 yr Balanced Allocation         1.00% 1.00%               100.00% 100.00%                                                                  ranges from                                                simple interest roll-
   in 1851                                                                                                                                                                                                                     1% to 3%
                                                                                                                                                                                                                                                                                         up to the Benefit
                                                                                     Fixed Account                      1.00%                         N/A                                                                                                                                Base in
                                                                                                                                                                                                                                                                                         years 3-10 or until
                                                                                                                              The Version above is approved in MN, MO, NC and NJ
                                                                                                                                                                                                                                                                                         rider exercise
Assets held by a
separate account
                                                        Income             Income Today Rider            Offers guaranteed lifetime income and an income bonus of up to 45% of your initial contract value, credited to your

  from general
                                                       Protection                                        benefit 30%
                                                                           Bonus if withdrawals begin in Year 1 base         Year 2        37.5%      Year 3        45.0%
                       Rider Features and Benefits




                                                        Benefit            Plus … Provides an additional 3% simple interest roll-up to the Benefit Base in years 3-10 or until rider exercise
     account
                                                                           Income Tommorrow Rider Offers guaranteed lifetime income and 14% Annual Roll-up to the benefit base for up to 10 years (Simple Interest)                                                                      Income Tommorrow
                                                                                                                                                                                                                                                                                               Rider
                                                          Care             Increases the amount of your income withdrawal for up to 5 years in the event you are confined to a nursing home and/or are unable to perform 2
         Free
   Supplemental
                                                       Protection
                                                        Benefit
                                                                           of 6 activities of daily living (ADLs). This benefit is available after your second contract anniversary and ranges from 125% to 250% of your income
                                                                           benefit based on age and qualification level                                                                                                                                                                  14%
  E&O coverage                                           Family                                                                                                                                                                                                                          Annual Roll-up
                                                                           Provides an enhanced lump-sum death benefit equal to a simple interest roll-up of 5% or 10% (depending on your attained age) for 10 years, up to a to the benefit base
 covers insolvency                                     Protection
                                                                           maximum of 250% of premium or age 85, whichever comes first                                                                                        for 10 years (Simple
up to $1 million per                                    Benefit                                                                                                                                                                                                                          Interest) then can be
  client, $5 million                                      Rider            Income, Family & Care Protection: 1.15%* of the income Benefit Base                                                                                                                                           restarted for up to
      per agent                                       combinations &       Income & Family Protection: 1.15% * of the income Benefit Base                                                                                                                                                another 10 yrs at a
                                                                                                                                                                                                                                                                                         new roll up rate.
                                                        Rider Fees         Income & Care Protection: 0.95% of the income Benefit Base
                                                                           * Rider Fee is 1.00% In MN
                                                     DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide and
                                                     other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is
                                                     not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                         Phoenix 10/1/2012
                                                                                                                                October Spreadsheet                                                                                                                    http://annuity1.com
            888.661.1999
                                                                        Current Interest Rates , Product Names, and Features                                      Withdrawal           Surrender                                Min.       Iss.      Comm.
                                               Products                                                                                                           Provision             Charge
                                                                                                                                                                                                                TGV                                                       Features
                                                                                       Effective October 1, 2012                                                                                                               Prem.       Age      Eff. 10/3/11
                                                Most States
                                                 Version
                                                                          Index Account                       Cap Rate                     Par. Rate                                     10 Year                 TGV (Total                   Most States                New RMD
                       FIXED INDEX ANNUITY                                                                                                                                                                      Guaranteed
                                                                       Monthly Cap - S&P 500®                  1.00%                      100.00%                                                                 Value) is    15,000     0 - 75     7.25%           Friendly Riders
                                               Phoenix                                                                                                            Up to 10% in      12, 12, 12, 11,10, 9, 8, 7,    equal to                                        Rider Income available
                                                                 1 yr Point to Point - S&P 500®                1.50%                      100.00%                      free               6, 4, then 0%           87.5% of                76 - 80     5.00%
                                                                                                                                                                                                                                                                    Immediately      No
                                                                                                                                                                                                                 the single
 The Phoenix                                  Personal           2 yr Point to Point - S&P 500®               4.50%                       100.00%                 withdrawals
                                                                                                                                                                   after 1st yr
                                                                                                                                                                                                                  premium,
                                                                                                                                                                                                                               NQ and Q   81-85       3.00%                 wait!
Companies, Inc.
  Hartford, CT
                                                Income              1 yr Point to Point - DJIA®                1.00%                      100.00%                                                               accumulate
                                                                                                                                                                                                                                                                      Income Today
                                                                                                                                                                                                                   d at the
                                                                                                                                                                                                                 TGV Rate                                                 Rider
                                               Annuity            1 yr Point to Point - Euro Stoxx 50          1.00%                      100.00%                                        MVA + or -
                                                                                                                                                                                                                which is set
                                                                       1 yr Balanced Allocation                1.00%                      100.00%                                                               at issue and
                                                                                                                                                                                                                ranges from
                                                                                                                                                                                                                                                                   30%      Bonus to the
     January-10                                                                                                                                                                                                  1% to 3%                                          Income benefit base if
                                                                          Fixed Account                        0.85%                          N/A                                                                                                                  income is taken in yr 1,
  B+ A.M. Best                                                               The Version above is approved in AL, AZ, AR, CO, DC, GA, ID, KS, LA, MA, MI, NE, NM, RI, SC, SD, TN, VT, WV, WI
                                                                                                                                                                                                                                                                   37.5%       Bonus to
                                                                                                                                                                                         10 Year                                           For CT, FL, IA, KY, IN, the Incomebenefit base if
                                                                          Index Account                       Cap Rate                     Par. Rate                                                                                      MS, MT, NH, NV, OH, OK, income is taken in yr 2,
                                                                                                                                                                                                              TGV (Total
  $14.1                                                                                                                                                                          CT, FL, IA, IN, MD,                                            PA, UT, TX
                                               Phoenix
                                                                                                                                                                                                                                                                   45% Bonus
                                                                                                                                                                                                             Guaranteed
                       FIXED INDEX ANNUITY




                                                                                                                                                                                MS, NV, NH, OK, PA,

Billion in
                                                                       Monthly Cap - S&P 500®                  1.00%                      100.00%                               UT: 10, 9, 8, 7, 6, 5, 4,
                                                                                                                                                                                                               Value) is
                                                                                                                                                                                                                equal to
                                                                                                                                                                                                                               15,000     0 - 75     7.00%                              to the
                                                                                                                                                                  Up to 10% in    3, 2, 1, then 0%                                                                 Incomebenefit base if
                                              Personal           1 yr Point to Point - S&P 500®                1.25%                      100.00%                                                              87.5% of
                                                                                                                                                                                                                                          76 - 80     4.75%
Assets under                                                                                                                                                           free     KY, OH, TX: 9.1, 8.2,
                                                                                                                                                                  withdrawals 7.3, 6.4, 5.5, 4.6, 3.7,
                                                                                                                                                                                                              the single
                                                                                                                                                                                                               premium,
                                                                                                                                                                                                                                                                   income is taken in yr 3
 manangement as of                              Income           2 yr Point to Point - S&P 500®               3.50%                       100.00%                                                            accumulate        NQ and Q   81-85       2.75%        PLUS Provides an
                                                                                                                                                                   after 1st yr 2.8, 1.8, 0.9 then 0%
  March 31, 2012                                                                                                                                                                                                d at the                                           additional 3% simple
                                               Annuity              1 yr Point to Point - DJIA®                1.00%                      100.00%                                                             TGV Rate                                             interest roll-up to the
                                                                                                                                                                                                             which is set                                          Benefit Base in
  Founded                                                         1 yr Point to Point - Euro Stoxx 50          1.00%                      100.00%                                                            at issue and
                                                                                                                                                                                                             ranges from
                                                                                                                                                                                                                                                                   years 3-10 or until rider
                                                                       1 yr Balanced Allocation                1.00%                      100.00%                                       MVA + or -
   in 1851                                                                                                                                                                                                    1% to 3%                                             exercise Rider Fee:
                                                                                                                                                                                                                                                                   0.95%
                                                                          Fixed Account                        0.75%                        N/A
                                                                                            The Version above is approved in CT, FL, IA, KY, IN, MS, MT, NH, NV, OH, OK, PA, UT, TX
Assets held by a
                                                                                                              Cap Rate                     Par. Rate                                     10 Year                                          For MN, MO, NC and NJ       Income Tommorrow
separate account                                                                                                                                                                                              TGV (Total                                                    Rider
  from general
                                               Phoenix
                                                                          Index Account                 High Band Low Band         High Band       Low Band
                                                                                                                                                                                    10, 9, 8, 7, 6, 5, 4, 3,
                                                                                                                                                                                                             Guaranteed                   0 - 75     7.00%
                       FIXED INDEX ANNUITY




                                                                                                                                                                                                               Value) is
     account                                                                                             1.00%        1.00%        100.00%         100.00%                                                                     15,000 76 - 80         5.00%
                                                                                                                                                                                                                                                                   14% Annual
                                                                       Monthly Cap - S&P 500®
                                                                                                                                                                  Up to 10% in          2, 1, then 0%           equal to
                                              Personal           1 yr Point to Point - S&P 500®          1.25%        1.25%        100.00%         100.00%             free
                                                                                                                                                                                                               87.5% of                   81-85       2.00%
                                                                                                                                                                                                              the single
                                               Income            2 yr Point to Point - S&P 500®           N/A          N/A           N/A             N/A          withdrawals          MVA + or -              premium,        NQ and Q                            Roll-up to the benefit
                                                                                                                                                                   after 1st yr                              accumulate                                            base for 10 years
         Free                                 Annuity               1 yr Point to Point - DJIA®          1.00%        1.00%        100.00%         100.00%                                                      d at the                                           (Simple Interest) then can
   Supplemental                                                                                                                                                                                               TGV Rate                                             be restarted for up to
                                                                  1 yr Point to Point - Euro Stoxx 50    1.00%        1.00%        100.00%         100.00%                                                   which is set
  E&O coverage                                                                                                                                                                                               at issue and
                                                                                                                                                                                                                                                                   another 10 yrs at a new roll
 covers insolvency                                                     1 yr Balanced Allocation          1.00% 1.00%               100.00% 100.00%                                                           ranges from
                                                                                                                                                                                                                                                                   up rate.
up to $1 million per                                                                                                                                                                                          1% to 3%
  client, $5 million                                                      Fixed Account                        1.00%                          N/A                                                                                                                       Rider Fee: 0.95%
      per agent
                                                                                                                  The Version above is approved in MN, MO, NC and NJ



                                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide
                                             and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop,
                                             LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                           Phoenix 10/1/2012
                                                                                                                                October Spreadsheet                                                                                                               http://annuity1.com
            888.661.1999
                                                                            Current Interest Rates , Product Names, and Features                                         Withdrawal          Surrender                                Min.      Iss.     Comm.
                                                Products                                                                                                                 Provision            Charge
                                                                                                                                                                                                                      TGV                                                 Features
                                                                                           Effective October 1, 2012                                                                                                                 Prem.      Age     Eff. 10/3/11
                                             Most States Version            Index Account                         Cap Rate                       Par. Rate                                     10 Year                 TGV (Total             CA, HI, IL, and WY No Surrender
                       FIXED INDEX ANNUITY                                                                                                                                                                            Guaranteed
                                                                         Monthly Cap - S&P 500®                    1.00%                        100.00%                  Up to 10% in                                   Value) is     15,000 0 - 75     7.25% Charges
                                                Phoenix                                                                                                                                   12, 12, 12, 11,10, 9, 8, 7,    equal to                                 Applied at
                                                                   1 yr Point to Point - S&P 500®                  1.50%                        100.00%                      free
                                                                                                                                                                                                6, 4, then 0%           87.5% of              76 - 80    5.00%
                                                                                                                                                                         withdrawals                                   the single                                   Death
 The Phoenix                                   Personal            2 yr Point to Point - S&P 500®                 4.50%                         100.00%                   including                                     premium,
                                                                                                                                                                                                                                     NQ and Q 81-85      3.00%
Companies, Inc.
  Hartford, CT
                                                 Income               1 yr Point to Point - DJIA®                  1.00%                        100.00%                   the 1st yr!                                 accumulate                                         Rider Income
                                                                                                                                                                                                                         d at the                                          available
                                                                                                                                                                                                                       TGV Rate
                                                Annuity             1 yr Point to Point - Euro Stoxx 50            1.00%                        100.00%                                        MVA + or -
                                                                                                                                                                                                                      which is set                                       Immediately
                                                                         1 yr Balanced Allocation                  1.00%                        100.00%                                                               at issue and                                         No wait!
                                                                                                                                                                                                                      ranges from
     January-10                                                                                                                                                                                                        1% to 3%
                                                                            Fixed Account                          0.85%                            N/A                                                                                                                   Income
  B+ A.M. Best                                                                                                         The Version above is approved in CA, HI, IL, and WY                                                                                              Today Rider
                                                                                                                  Cap Rate                       Par. Rate                                     10 Year                                          For AK, NC, and VA     30%       Bonus to

  $14.1                                         Phoenix
                                                                            Index Account                  High Band Low Band           High Band         Low Band                                                   TGV (Total
                                                                                                                                                                                                                    Guaranteed
                                                                                                                                                                                                                                             0 - 75      7.00%         the Income benefit
                                                                                                                                                                                                                                                                       base if income is
                       FIXED INDEX ANNUITY




                                                                         Monthly Cap - S&P 500®             1.00%         1.00%          100.00% 100.00%                                 10, 9, 8, 7, 6, 5, 4, 3, 2, Value) is       15,000 76 - 80       5.00%        taken in yr 1,
Billion in                                                                                                                                                               Up to 10% in           1, then 0%             equal to

                                               Personal            1 yr Point to Point - S&P 500®           1.25%         1.25%          100.00% 100.00%                     free                                      87.5% of
                                                                                                                                                                                                                                                81-85     2.00%        37.5%
Assets under                                                                                                                                                             withdrawals                                  the single
                                                                                                                                                                                                                      premium,                                         Bonus to the
 manangement as of                               Income            2 yr Point to Point - S&P 500®             N/A           N/A            N/A               N/A          including           MVA + or -             accumulate      NQ and Q                          Incomebenefit base
  March 31, 2012                                                                                                                                                          the 1st yr!                                   d at the                                       if income is
                                                Annuity               1 yr Point to Point - DJIA®           1.00%         1.00%          100.00% 100.00%                                                              TGV Rate
                                                                                                                                                                                                                                                                       taken in yr 2,
                                                                                                                                                                                                                     which is set
  Founded                                                           1 yr Point to Point - Euro Stoxx 50     1.00%         1.00%          100.00% 100.00%                                                            at issue and
                                                                                                                                                                                                                                                                       45%
                                                                         1 yr Balanced Allocation           1.00%         1.00%          100.00% 100.00%                                                            ranges from
   in 1851                                                                                                                                                                                                            1% to 3%
                                                                                                                                                                                                                                                                       Bonus to the
                                                                            Fixed Account                          1.00%                            N/A                                                                                                                Incomebenefit base
                                                                                                                                                                                                                                                                       if income is
                                                                                                                           The Version above is approved in AK and VA
                                                                                                                                                                                                                                                                       taken in yr 3
Assets held by a
separate account
  from general                                                                                                                                                                                                                                                         Rider Fee is 95 bps
                       FIXED INDEX ANNUITY




     account                                                                                                                                                                                                                                                           annually
                                                                                                                                                                                                                                                                           Income
                                                                                                                                                                                                                                                                         Tommorrow
                                                                                                                                                                                                                                                                            Rider
         Free
   Supplemental                                                                                                                                                                                                                                                        14%
  E&O coverage                                                                                                                                                                                                                                                         Annual Roll-
 covers insolvency                                                                                                                                                                                                                                                     up to the benefit
up to $1 million per                                                                                                                                                                                                                                                   base for 10 years
  client, $5 million                                                                                                                                                                                                                                                   (Simple Interest)
      per agent                                                                                                                                                                                                                                                        Rider Fee is 95 bps
                                                                                                                                                                                                                                                                       annually




                                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide
                                             and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop,
                                             LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                       Phoenix 10/1/2012
                                                                                                                                October Spreadsheet                                                                                                                      http://annuity1.com
            888.661.1999
                                                                        Current Interest Rates , Product Names, and Features                                    Withdrawal          Surrender                                    Min.       Iss.      Comm.
                                                Products                                                                                                        Provision            Charge
                                                                                                                                                                                                                   TGV                               Eff. 6/4/11
                                                                                                                                                                                                                                                                           Features
                                                                                       Effective October 1, 2012                                                                                                                Prem.       Age
                                                8% Bonus                                                                                                                                                                                                           New RMD              Friendly
                                                 Version
                                                                           Index Account                     Cap Rate                    Par. Rate                                    12 Year                     TGV (Total
                                                                                                                                                                                                                 Guaranteed                                                   Riders
                       FIXED INDEX ANNUITY
                                                Phoenix              Point to Point - S&P 500                 1.50%                     100.00%                                 12.5% 12.5% 12.5% 11%
                                                                                                                                                                                 10% 9% 8% 6% 5% 4%
                                                                                                                                                                                                                   Value) is
                                                                                                                                                                                                                    equal to
                                                                                                                                                                                                                                15,000     0 - 75    7.00%          Income and Family
                                               Reflections             Monthly Cap - S&P 500®                 1.00%                     100.00%                Up to 10% in
                                                                                                                                                                                        3% 2%                      87.5% of                                         Protection: Today
 The Phoenix                                                        Domestic Look Back (S&P 500,                                                                                                                  the single

Companies, Inc.
                                              Gold Bonus          iShares® Barclays Aggregate Bond
                                                                          Fund, NASDAQ 100)
                                                                                                              1.00%                     100.00%                     free
                                                                                                                                                               withdrawals
                                                                                                                                                                                     MVA + or -                    premium,
                                                                                                                                                                                                                 accumulate
                                                                                                                                                                                                                                NQ and Q   76 - 80    5.00%        25% upfront income
                                                                   Global Look Back (S&P 500 Index,                                                             after 1st yr                                        d at the                                        Bonus to the benefit
                                                   8%
                                                                                                                                                                                Premium Bonus Vested over
   Hartford, CT                                                     Euro Stoxx 50, iShares® MSCI                N/A                      10.00%                                surrender charge term. If death
                                                                                                                                                                                                                  TGV Rate
                                                                                                                                                                                                                 which is set
                                                                                                                                                                                                                                           81-85      3.00%          base day one. Also
                                                                        Hong Kong Index Fund)                                                                                    occurs during the surrender
                                                                                                                                                                                charge term, any non-vested      at issue and                                      credits 3.00% simple
                                                 Upfront              Perfromance Trigger Rate                1.50%                     100.00%                                premium bonus amounts will be     ranges from
                                                                                                                                                                                                                                                                   interest roll-up up to
                                                                                                                                                                                         recovered.               1% to 3%
     January-10                                  Bonus                     Fixed Account                      0.85%                       N/A                                                                                                                               8yrs
  B+ A.M. Best                                                      8.00% bonus version above is approved in AL, AZ, AR, CO, DC, GA, ID, KS, LA, MA, MI, ND, NE, NM, RI, SC, SD, TN, VT, WV, WI
                                                5% Bonus
                                                 Version                   Index Account                     Cap Rate                    Par. Rate
                                                                                                                                                                                      10 Year                                                                Guaranteed
$14.1 Billion                                   Phoenix                                                                                                                          FL, IA, IN, MD, MS,                                                        Death Benefit
                                                                                                                                                                                NV, NH, OK, PA, UT:
 in Assets                                     Reflections           Point to Point - S&P 500                 1.25%                     100.00%                                10, 9, 8, 7, 6, 5, 4, 3, 2, TGV (Total           15,000     0 - 75    7.00% equal to a 8.00%
                                                                                                                                                                               1, then 0% KY & OH: Guaranteed
     under                                                                                                                                                                                                                                                 simple interest
                       FIXED INDEX ANNUITY




                                                                                                                                                                               8.3, 7.2, 6.1, 5.4, 4.7, 4, Value) is
manangement as
                                              Gold Bonus               Monthly Cap - S&P 500®                 1.00%                     100.00%
                                                                                                                                                                                3.3, 2.5, 1.7, 0.8, then    equal to
                                                                                                                                                                                                                                                            annual roll-up
of March 31, 2012                                                                                                                                              Up to 10% in               0%                87.5% of

                                                                                                                                                                    free
                                                                                                                                                                                                                the single
                                                                                                                                                                                                                premium,
                                                                                                                                                                                                                                                           for 8 years attained
                                                                                                                                                                                                                                                                   age 0-70 ( 4% attained age 71+),
                                                                                                                                                               withdrawals                                     accumulate
                                                                                                                                                                                                                                                                   or age 85, whichever comes first
                                                                    Domestic Look Back (S&P 500,                                                                after 1st yr                                      d at the

                                                   5%             iShares® Barclays Aggregate Bond
                                                                         Fund, NASDAQ 100)
                                                                                                              1.00%                     100.00%                                      MVA + or -                 TGV Rate
                                                                                                                                                                                                               which is set
                                                                                                                                                                                                                                NQ and Q   76 - 80    5.00%             (Paid out over 3yrs)
                                                                                                                                                                                                                                                                         Rider Fee: 1.15%
                                                                                                                                                                                                               at issue and
  Founded                                        Upfront
                                                                  Global Look Back (S&P 500 Index,
                                                                   Euro Stoxx 50, iShares® MSCI                 N/A                      10.00%                                 Premium Bonus Vested over
                                                                                                                                                                                                               ranges from
                                                                                                                                                                                                                                           81-85      3.00%
                                                                                                                                                                                                                                                                    Income and Family
                                                                                                                                                                               surrender charge term. If death 1% to 3%                                                 Protection:
   in 1851                                                             Hong Kong Index Fund)                                                                                     occurs during the surrender
                                                                                                                                                                                charge term, any non-vested                                                             Tomorrow
                                                                      Perfromance Trigger Rate                1.25%                     100.00%                                premium bonus amounts will be

                                                 Bonus                     Fixed Account                      0.75%                       N/A
                                                                                                                                                                                         recovered.
                                                                                                                                                                                                                                                                      8.00%
                                                4% Bonus
                                                                                          5.00% bonus version above is approved in FL, IA, IN, KY, MS, MT, NH, NV, OH, OK, PA, UT
                                                                                                                                                                                                                                                                    Compound
Assets held by a                                                                                             Cap Rate                                                                 10 Year                                   15,000     MO, NJ, OR and WA
                                                                                                                                                                                                                                                                    Roll-up to the
                                                                                                                                          Par. Rate
separate account                                 Version
                                                                                                                                                                                                                  TGV (Total
  from general                                  Phoenix                    Index Account               High Band Low Band High Band              Low Band                                                        Guaranteed                 0 - 75   6.25%           benefit base for 8 years
                       FIXED INDEX ANNUITY




                                                                                                                                                                               13, 12, 11, 9, 8, 7, 6, 4,          Value) is
     account                                  Reflections         1 yr Point to Point - S&P 500®        1.25% 1.25% 100.00% 100.00%                                                 3, 1, then 0%                   equal to
                                                                                                                                                                                                                                NQ and Q   76 - 80    5.00%           Guaranteed
                                              Gold Bonus               Monthly Cap - S&P 500®           1.00% 1.00% 100.00% 100.00%                            Up to 10% in                                        87.5% of                81-85      2.25%          Death Benefit
                                                                                                                                                                                                                  the single

         Free
                                                   4%                 Perfromance Trigger Rate          1.25% 1.25% 100.00% 100.00%                                 free
                                                                                                                                                               withdrawals
                                                                                                                                                                                     MVA + or -                    premium,
                                                                                                                                                                                                                 accumulate
                                                                                                                                                                                                                                            MN Only
                                                                                                                                                                                                                                                                    equal to a 8.00%
                                                                     Domestic Look Back (S&P 500,                                                               after 1st yr                                                    0 - 75: 6.00%, 76 - 80: 5.00%,
   Supplemental                                   Upfront           iShares® Barclays Aggregate Bond    1.00% 1.00% 100.00% 100.00%
                                                                                                                                                                                                                    d at the
                                                                                                                                                                                                                  TGV Rate                                          simple interest
  E&O coverage
                                                                                                                                                                                Premium Bonus Vested over
                                                                                                                                                                                                                                        & 81-85: 2.25%
                                                                           Fund, NASDAQ 100)                                                                                   surrender charge term. If death
                                                                                                                                                                                 occurs during the surrender
                                                                                                                                                                                                                 which is set
                                                                                                                                                                                                                                                                     annual roll-up
 covers insolvency                                                 Global Look Back (S&P 500 Index,                                                                             The maximum allocation to the    at issue and
                                                                                                                                                                                                                                                                    for 8 years attained
                                                                                                                                                                                charge term, any non-vested      ranges from
up to $1 million per                             Bonus             Euro Stoxx 50, iShares® MSCI Hong      N/A         N/A         10.00%          10.00%                                  fixed account
                                                                                                                                                                               premium bonus amounts will be
                                                                                                                                                                                                                  1% to 3%
                                                                            Kong Index Fund)                                                                                             recovered.                                                                age 0-70 ( 4% attained age 71+),
  client, $5 million                                                                                                                                                              will be 10% in the following
      per agent                                                            Fixed Account            2.50%                  N/A                                                         states: MN, MO, NJ
                                                                                                                                                                                                                                                                   or age 85, whichever comes first
                                                                                                                                                                                                                                                                 (Paid out over 3yrs)
                                                                            4.00% bonus version above is approved in MN, MO, NC, NJ, OR* and WA* Riders are not approved in OR or WA.                                                                              Rider Fee: 1.15%
                                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide
                                             and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop,
                                             LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.


                                                                                                                                                                                                                                                                             Phoenix 10/1/2012
                                                                                                                                October Spreadsheet                                                                                                                 http://annuity1.com
            888.661.1999
                                                                            Current Interest Rates , Product Names, and Features                                          Withdrawal          Surrender                               Min.       Iss.      Comm.
                                                Products                                                                                                                  Provision            Charge
                                                                                                                                                                                                                      TGV                                 Eff. 6/4/11
                                                                                                                                                                                                                                                                           Features
                                                                                           Effective October 1, 2012                                                                                                                 Prem.       Age
                                                8% Bonus
                                                 Version
                                                                            Index Account                         Cap Rate                       Par. Rate                                     12 Year                 TGV (Total
                                                                                                                                                                                                                      Guaranteed                                        No Surrender
                       FIXED INDEX ANNUITY
                                                Phoenix                Point to Point - S&P 500                   1.50%                         100.00%                                   12.5, 12.5, 12.5, 11,10, 9,
                                                                                                                                                                                           8, 6, 5, 4, 3, 2, then 0%
                                                                                                                                                                                                                        Value) is
                                                                                                                                                                                                                         equal to
                                                                                                                                                                                                                                     15,000     0 - 75    7.00%           Charges
                                               Reflections              Monthly Cap - S&P 500®                    1.00%                         100.00%                   Up to 10% in                                  87.5% of                                         Applied at
 The Phoenix                                                         Domestic Look Back (S&P 500,                                                                             free                                     the single
                                                                                                                                                                                                                                                                           Death
                                              Gold Bonus           iShares® Barclays Aggregate Bond               1.00%                         100.00%                   withdrawals           MVA + or -              premium,     NQ and Q   76 - 80    5.00%
Companies, Inc.                                                            Fund, NASDAQ 100)                                                                                                                          accumulate
                                                                                                                                                                           including
   Hartford, CT                                                     Global Look Back (S&P 500 Index,                                                                                       Premium Bonus Vested          d at the

                                                   8%
                                                                                                                                                                           the 1st yr!      over surrender charge
                                                                   Euro Stoxx 50, iShares® MSCI Hong                N/A                          10.00%                                      term. If death occurs
                                                                                                                                                                                                                       TGV Rate
                                                                                                                                                                                                                      which is set
                                                                                                                                                                                                                                                81-85      3.00%           2 GMWB
                                                                            Kong Index Fund)                                                                                                  during the first three
                                                                                                                                                                                          contract years, any non-
                                                                                                                                                                                                                      at issue and                                          Riders
                                                 Upfront                Perfromance Trigger Rate                  1.50%                         100.00%                                    vested premium bonus
                                                                                                                                                                                                                      ranges from
                                                                                                                                                                                                amounts will be        1% to 3%
     January-10                                  Bonus                      Fixed Account                         0.85%                           N/A                                           recovered.
                                                                                                                                                                                                                                                                         Rider Income
  B+ A.M. Best                                                                                                   8.00% bonus version above is approved in CA, HI, IL, and WY                                                                                               available
                                                5% Bonus                                                                                                                                                                                                                 Immediately
                                                                                                                                                                                               10 Year
                                                 Version                    Index Account                        Cap Rate                        Par. Rate                                                                                                                 No wait!
$14.1 Billion                                   Phoenix                                                                                                                                NH: 10, 9, 8, 7, 6,
                                                                                                                  1.25%                         100.00%                                5, 4, 3, 2, 1, then
                                                                                                                                                                                                                                                0 - 75    7.00%          Income 25
 in Assets                                     Reflections             Point to Point - S&P 500
                                                                                                                                                                                       0%               TX:
                                                                                                                                                                                                                   TGV (Total        15,000
                                                                                                                                                                                                                  Guaranteed
                                                                                                                                                                                                                                                                        25% upfront
                       FIXED INDEX ANNUITY




     under                                                                                                                                                                             8.3, 7.2, 6.1, 5.4,          Value) is
manangement as                                                                                                                                                                          4.7, 4, 3.3, 2.5,            equal to
                                                                                                                                                                                                                                                                         Bonus to the
of March 31, 2012                             Gold Bonus                 Monthly Cap - S&P 500®                   1.00%                         100.00%                   Up to 10% in                              87.5% of
                                                                                                                                                                              free     1.7, 0.8, then 0%           the single                                            benefit base
                                                                                                                                                                                                                    premium,                                             (12.5% if income
                                                                                                                                                                          withdrawals
                                                                                                                                                                                                                  accumulate
                                                                     Domestic Look Back (S&P 500,                                                                         including                                                                                     it taken in the 1st
                                                   5%
                                                                                                                                                                                                                     d at the
                                                                   iShares® Barclays Aggregate Bond               1.00%                         100.00%                   the 1st yr!          MVA + or -          TGV Rate          NQ and Q   76 - 80    5.00%          yr)        Rider
                                                                          Fund, NASDAQ 100)                                                                                                                       which is set                                            Fee is 95 bps

  Founded                                        Upfront
                                                                    Global Look Back (S&P 500 Index,
                                                                   Euro Stoxx 50, iShares® MSCI Hong                N/A                          10.00%
                                                                                                                                                                                          Premium Bonus Vested at issue and
                                                                                                                                                                                           over surrender charge  ranges from
                                                                                                                                                                                                                                                81-85      3.00%
                                                                                                                                                                                                                                                                        Income Plus
   in 1851                                                                  Kong Index Fund)
                                                                                                                                                                                            term. If death occurs
                                                                                                                                                                                            during the first three
                                                                                                                                                                                                                   1% to 3%
                                                                                                                                                                                                                                                                            8.00%
                                                                        Perfromance Trigger Rate                  1.25%                         100.00%
                                                                                                                                                                                          contract years, any non-                                                       Compound
                                                                                                                                                                                           vested premium bonus
                                                                                                                                                                                              amounts will be                                                            Roll-up to the
                                                 Bonus                      Fixed Account                         0.75%                           N/A                                            recovered.
                                                                                                                                                                                                                                                                        benefit base for 8
                                                                                                                     5.00% bonus version above is approved in NH and TX                                                                                                       years
                                                                                                                                                                                                                                                                         Rider Fee is 95 bps
Assets held by a                                4% Bonus
separate account                                 Version
                                                                                                                  Cap Rate                       Par. Rate                                     10 Year                               15,000     0 - 75    6.25%               annually

                                                                                                                                                                                                                    TGV (Total
  from general                                  Phoenix                     Index Account                   High Band Low Band          High Band         Low Band                                                  Guaranteed
                       FIXED INDEX ANNUITY




                                                                                                                                                                                          14, 13, 12, 10, 9, 8, 6,    Value) is
     account                                  Reflections          1 yr Point to Point - S&P 500®           1.25%        1.25%          100.00%            100.00%                           5, 3, 1, then 0%         equal to
                                                                                                                                                                                                                                     NQ and Q   76 - 80    5.00%             100%
                                                                                                                                                                          Up to 10% in
                                              Gold Bonus                 Monthly Cap - S&P 500®             1.00%        1.00%          100.00%            100.00%                                                    87.5% of                  81-85      2.25%           Nursing
                                                                                                                                                                              free                                   the single

         Free
                                                   4%                   Perfromance Trigger Rate            1.25%        1.25%          100.00%            100.00%        withdrawals
                                                                                                                                                                           including
                                                                                                                                                                                               MVA + or -            premium,
                                                                                                                                                                                                                    accumulate
                                                                                                                                                                                                                                                                          Home and
                                                                                                                                                                                                                                                                          Terminal
                                                                      Domestic Look Back (S&P 500,                                                                                                                     d at the      The maximum allocation to the
   Supplemental                                   Upfront         iShares® Barclays Aggregate Bond Fund,    1.00%        1.00%          100.00%            100.00%         the 1st yr!    Premium Bonus Vested
                                                                                                                                                                                                                                                                            Illness
                                                                                                                                                                                           over surrender charge     TGV Rate                 fixed account
  E&O coverage                                                                NASDAQ 100)                                                                                                   term. If death occurs   which is set
                                                                                                                                                                                             during the first three
                                                                                                                                                                                                                                       will be 10% in the following       Waivers of
 covers insolvency                                                Global Look Back (S&P 500 Index, Euro
                                                                                                                                                                                                                    at issue and
                                                                                                                                                                                          contract years, any non- ranges from           states: AK, NC, and VA.
up to $1 million per                             Bonus            Stoxx 50, iShares® MSCI Hong Kong Index     N/A          N/A            10.00%             10.00%                        vested premium bonus
                                                                                                                                                                                                                     1% to 3%
                                                                                                                                                                                                                                                                           Surrender
                                                                                    Fund)                                                                                                     amounts will be                                                               Charges
  client, $5 million                                                                                                                                                                            recovered.
      per agent                                                             Fixed Account                         2.50%                             N/A                                                                                                                 Available for issue
                                                                                                                     4.00% bonus version above is approved in AK and VA                                                                                                     ages 0-79
                                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide
                                             and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop,
                                             LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.


                                                                                                                                                                                                                                                                        Phoenix 10/1/2012
                                                                                                                     October Spreadsheet                                                                                                    http://annuity1.com
            888.661.1999
                                                                   Current Interest Rates                         Withdrawal                                         Minimum         Minimum
                                           Products                                                                                       Surrender Charge                                   Iss. Age Comm.                              Features
                                                                    Effective 10-1-2012                           Provision                                          Guarantee       Premium
                                                                                                                                                10 year                               $20,000            Most states              Optional Guaranteed
                                                              Monthly Average Cap                 2.35%
                                           Royal                                                                 10% of your                                          1.00% on       Minimum           18-75    6.50%             Lifetime Withdrawal
                                           Select                                                                accumulated 10% 9% 8% 7% 6% 5%
                    FIXED INDEX ANNUITY

                                                                                                                                                                        87.5%        Premium                                             Benefit
                                                               Annual Pt to Pt Cap                2.35%          annuity value
                                                                                                                                 4% 3% 2% 1%
                                             Fixed
Oxford                                      Indexed                                                              after the first   MVA + or -                                         $350,000
                                                                                                                                                                                                       76-80        5.00%
                                                                                                                                                                                                                                        7.00%
    Life                                    Annuity                  Fixed Rate                   1.25%                yr          Waiver of                                                           MN, MO, NJ, PA, WA
 Insurance                                                                                                                                Surrender/Withdrawal                       Maximum                 Only                  Compounded
                                                                                                                                                Charges                              Premium           18-75        5.75%         Rollup for 10
                                            7%
 Company                                                                                                             Systematic
                                                                                                                    withdrawal of        Terminal Illness Benefit                     without
Phoenix, Arizona
                                                             Effective August 15, 2012, Oxford Life              interest in the first     Home Health Care                         Home Office
                                                                                                                                                                                                       76-80        4.25%
                                                                                                                                                                                                                                      years
                                           Premium                                                                      year                                                         Approval
                                                            temporarily suspended sales of Oxford                                         NursingBenefit Benefit
                                                                                                                                                  Home                                                                           50 bps Annual Rider Charge
                                            Bonus
                                                                       Life Bonus TenTM
    B++                                    vested over
                                              10yrs
                                                                                                                                         NO MVA in MN, MO, NJ, PA,
                                                                                                                                                   WA
                                                                                                                                                                                                                                   Full Value at Death
                                                                                                                                                                                                                                    5X5 Annuitization
(Very Good)                                                                                   Income Account                               Policy yr 1 2 3 4 5                        $10,000          0-80 states
                                                                                                                                                                                                        Most                           NO COST
                                                             Interest         Interest Rate
                                                                                                   Rate
                                                                                                                 10% of your                                                                                                         Income Rider
 A.M. Best                                INCOME            Rate Bands          Years 1-5
                                                                                                 Years 1-5                                10% 9% 8% 7% 6%                            Minimum           18-75        3.00%
                                          PROTECTORTM                                                            accumulated                                                                                                         7.00% Annual
For Financial                                                                                                                                                                        Premium
                    FIXED ANNUITY




                                                            High Band                                                                                                                                                                    Rollup
                                                                                                                 annuity value FIRST 30 DAYS AFTER
  Strength                                                  $25,000 to         2.00%             7.00%           after the first 5YR POLICY YR 0%
                                                                                                                                                                                                       76-80        2.00%              Full Value
                                                             $350,000                                                                                                                 $250,000
                                                                                                                       yr                                                                                                             Paid at Death
Assets $572                            A FIVE-YEAR
                                       GUARANTEE            Low Band                                                                     Policy yr 6 7 8 9 10 11+                                                                      Nursing Home
  Million                                                                                                                                                                            Maximum
                                      ANNUITY WITH A        $10,000 to         1.50%             6.50%                                   5% 4% 3% 2% 1% 0%                           Premium                                       Home Health Care &
                                       GUARANTEED            $24,999                                                 Systematic
                                         LIFETIME                                                                                               MVA + or -                            without          0-80                          Terminal Illness
                                                                                                                    withdrawal of
                                                                                                                                                                                    Home Office                                          Waiver
                                       WITHDRAWAL
                                         BENEFIT
                                                            2.00% Guaranteed for 5yrs                            interest in the first      30 DAY WINDOW
                                                                                                                                                                                     Approval
                                                                                                                                                                                                       0-80
                                                           with a 7.00% annual compounded lifetime                      year              after 5th year surrender
                                                                       income rider rate                                                    charges are waived.
                                                               Current Interest Rates                             Withdrawal                                         Minimum Minimum
                                           Products              Effective 7-1-2012
                                                                                                                                          Surrender Charge                            Iss. Age Comm.                                     Features
                                                                                                                  Provision                                          Guarante Premium
                                                                                                                                                 4 YEAR
                                                                             GUARANTEED                                                                                                                0 - 79       1.60%
                    FIXED




                                                                              Years 1-4                                                       8, 7, 6, 5, 0%           1.00%*               80 - 100 * 0.80%
                                          Guarantee 4                                                                                                                              Min:
                                                                                                                                                                       Years 5
      Guaranty
    Income Life
                                              MVA            2.20%                                                   100% of
                                                                                                                                                MVA + or -            and later
                                                                                                                                                                                $5,000 NQ
                                                                                                                                                                                                                                         Full Value
Insurance Company                                                                                                All Cumulative                                                  $2,000 Q
                                                                                                                     Interest.                                                  Max without                                              at Death!
Baton Rouge, LA                                                              GUARANTEED
                                                                                                                  Interest Only                   6 Year                           H.O.        0 - 79     3.00%
                                                                                                                                                                       1.00%*
                    FIXED




  B   A.M. Best                           Guarantee 6                         Years 1-6                          After 30 Days             8, 7, 7, 6, 5, 4, 0%                  Approval
                                                                                                                                                                       Years 7
                                              MVA            2.30%                                                                              MVA + or -            and later   $300K        *85 Max
                                                                                                                                                                                             Issue age in
                                                                                                                                                                                                         OK
                                      DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult
                                      the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and
                                      Omission in this spreadsheet. FOR AGENT USE ONLY.



                                                                                                                                                                                                        Oxford Life | Guaranty Income Life              10/1/2012
                                                                                                                             October Spreadsheet                                                                                                 http://annuity1.com
             888.661.1999
                                                                                                                                  Withdrawal      Surrender           Minimum                    Minimum    Iss.                                  Features Rev.
                                             Products               Current Interest Rates Effective 3/27/2012                    Provision                                                      Premium
                                                                                                                                                                                                                           Commission
                                                                                                                                                   Charge             Guarantee                             Age                                     12/12/11
                                                                         11.92% Guaranteed First Year Yield!                                                                                                          Most States
                                                                                                                                                                           1.50%
                                              BONUS                 1.75% Current Fixed Value Rate Plus            10.0% Bonus                                                                                                 Year(s)
                                                                                                                                                    16 Year
                                               GOLD             1   S&P 500 Annual Monthly Average                   20% PR#        10.00% of                                Minimum                                   1          2        3
                                                                                                                                     Contract                              Guaranteed
  Des Moines, IA                                                2   S&P 500 Annual Monthly Average                  3.25% Cap                                                                    $5,000    0-75      6.00%     1.00%     1.00%          Full
                    FIXED INDEX



                                                                                                                                      Value       20,19.5,19,1       Surrender          Value:
                                                                                                                                                                                                 NQ or Q                                              Contract

     A-
                                                                3   Dow Annual Monthly Average                      3.25% Cap       Annually,        8.5,18,
                                                                                                                                                                     80% of 1st year premium               76-80     4.50%     0.75%     0.75%
                                             INDEX - 1-07                                                                                                            plus premium bonus plus                                                       Value at Death
                                                                4   Dow Annual Point to Point                       3.25% Cap        Starting
                                                                                                                                                    17.5,17,                                                            FL Only
                                           10.00%
                                                                                                                                                                    87.5% additional premium,
                                                                                                                                     Year 2.                        less withdrawal proceeds,
   Excellent                                                    5   S&P 500 Annual Point to Point                    20% PR#                       16,15,14,                                                           1          2        3
                                                                                                                                                                     at Minimum Guaranteed
                                             Immediately                                                                                          12,10,8,6,4,2
  A.M. Best                                                     6   S&P 500 Annual Point to Point                   3.25% Cap       Systematic                         Interest, compounded                 0-64     6.00%     1.00%     1.00%      100% Nursing
                                               Vested                                                                                                                                                                                               Care & 100%
                                                                7   S&P 500 Monthly Point to Point                  1.80% Cap      W/D & RMD          ,0%                     annually.
                                                                                                                                   Immediately                                                                                                     Terminal Illness
 $23 Billion in                             Premium             8 10-Year U.S Treasury Bond                            3.25%       from Fixed.)
                                                                                                                                                    NO MVA
                                                                                                                                                                                                                                                      Waiver of
 Assets under                                                                                                                                                                                                                                         Surrender
manangement as of                            Bonus              9 Current Fixed Value Rate                             1.75%                                                                                                                           Charges
  September 30,                                                                    #PR=Participation Rate                                                                                                                                         (NCR-100 TIR-100)
      2011                                                                                                                                                                                                  Most
                                                                1 S&P 500 Annual Monthly Average                     15% PR#                                               1.50%                                                                    Lifetime
                                             RETIREMENT                                                                                            10 Year                                                 States              Years

    BBB+                                       GOLD             2 S&P 500 Annual Monthly Average                    3.00% Cap       10.00% of     Surrender            Minimum                   $5,000                1          2        3        Income
                                                                                                                                     Contract
                                                                                                                                                   Charge:            Guaranteed                 NQ or Q
                                            (INDEX-2-09)                                                                                                                                                                                          Benefit Rider
    Good                                                        3   S&P 500 Annual Point to Point                    15% PR#           Value
                                                                                                                                                  12.5,12,12,          Surrender                            0-78     6.00%     1.00%     1.00%
                                                                                                                                                                                                                                                      (LIBR-2010)
      S&P                                    8.00%              4   S&P 500 Annual Point to Point                   3.00% Cap
                                                                                                                                     Annually,
                                                                                                                                                                        Value:                                                                       - Choice of an
                                                                                                                                      Starting     11,10,9,
                                            Premium             5   S&P 500 Monthly Point to Point                  1.60% Cap         Year 2.                                                                                                        4.50% annual
                                                                                                                                                  8,7,6,4,0%                                                                                         accumulation
97% Investment                             Bonus Vested         6   Current Fixed Value Rate                          1.60%         Systematic
                    FIXED INDEX ANNUITY




                                                                                                                                   W/D & RMD                                                                                                             option
  Grade Bond                                over a 14 Year                           #PR=Participation Rate                                                                                                IN Only   Year(s)                      at no initial cost or
                                                                                                                                   Immediately
   Portfolio                              period beginning in                                                                                      State specific

                                                                                                                                                                                                                                                  6.50%
                                                                                                                                   from Fixed.)                                                                        1          2        3
                                                year 4                                                                                               surrender
                                                                         State specific versions available in FL, IN, & DE                        charges in FL,                                            0-73     6.00%     1.00%     1.00%
                                           (INDEX-4-10-FL.2)                                                                                         IN, & DE             87.5% of                                                                Compounded
                                                                                                                                                                                                           74-78     4.50%     0.75%     0.75%
                                               8.00%          For DE: 6% Premium Bonus on 1st year                                                                    premiums paid                                                                   annual
                                                                                                                                                                      less withdrawal
                                             Premium Premiums for Issue Ages 0-78.                                                   Bonus Vesting:                     proceeds, at
                                                                                                                                                                                                           FL Only   Year(s)                      accumulation
                                           Bonus Vested                                                                           Most states
                                                                                                                                                                         Minimum
                                                                                                                                                                                                            0-64     6.00%     1.00%     1.00%       option for
                                                                                                                                                                        Guaranteed
                                            over a 10 Year For IN: 8% Premium Bonus on 1st year                                   0, 0, 0, 8.33, 16.67, 25,               Interest,
                                                                                                                                                                                                                                                    10yrs with a
                                          period beginning in                                                                                                                                              65-75     5.25%     0.87%     0.87%
                                                              Premiums for Issue Ages 0-73.                                       33.33, 41.67, 50, 58.33,             compounded                                                                 reset option for
                                                year 3
                                                              5% Premium Bonus Issue Ages 74-78.                                  66.67, 75, 83.33, 91.67,                annually.                        76-78     4.50%     0.75%     0.75%    another 10 yrs
                                                                                                                                  100% (14 yrs.) NO MVA"                                                                                           with a 60 bps
                                                                                                                                  FL Only                                                                                                           annual fee.
                                                                For FL: 8% Premium Bonus on 1st Year
                                                                premiums                                                          0, 0, 10, 20, 30, 40, 50,
                                                                                                                                  62.5, 75, 87.5 100%
                                                                                                                                  (10 yrs.) NO MVA"
                                          DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional
                                          charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop,
                                          LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                           American Equity Insurance         10/1/2012
                                                                                                                October Spreadsheet                                                                                         http://annuity1.com
             888.661.1999
                                                                                                                        Withdrawal      Surrender           Minimum            Minimum   Iss.                               Features Rev.
                                             Products          Current Interest Rates Effective 3/27/2012                                                                      Premium
                                                                                                                                                                                                       Commission
                                                                                                                        Provision        Charge             Guarantee                    Age                                  12/12/11
                                                                                                                                                                                                  Most States
                                                                                                                                                                1.50%
                                          ADVANTAGE                                                                                                                                                       Year(s)
                                            GOLD                                                                                                              Minimum                                                              Full
                                                               1 S&P 500 Annual Monthly Average           15% PR#                                                                                  1          2       3          Contract
                                                                                                                                                             Guaranteed
                                                                                                                          10.00% of                                                                                           Value at Death
                                                                   S&P 500 Annual Monthly                                                                     Surrender
  Des Moines, IA                                               2                                         3.00% Cap         Contract                                            $5,000    0-75    6.00%     1.00%    1.00%
                                                                   Average                                                                 10 Year             Value:
                    FIXED INDEX ANNUITY




                                                                                                                            Value                                              NQ or Q
                                                                                                                                                            84% of 1st year                                                    100% Nursing
                                                               3 S&P 500 Annual Point to Point            15% PR#         Annually,                                                      76-80   4.50%     0.75%    0.75%

     A-
                                             INDEX - 6-07                                                                                16, 15, 14,   premium plus                                                             Care & 100%
                                                                                                                           Starting
                                             5.00%             4 S&P 500 Annual Point to Point           3.00% Cap         Year 2.
                                                                                                                                        13, 11.5, 10, premium bonus
                                                                                                                                           8.5, 7,      plus 87.5%                                  TX Only
                                                                                                                                                                                                                              Terminal Illness
                                                                                                                                                                                                                                 Waiver of
                                             Immediately                                                                                                 additional                                                              Surrender
                                                                                                                                         5.5, 4, 0%
   Excellent                                   Vested
                                                               5 S&P 500 Monthly Point to Point          1.60% Cap       Systematic                         premium, less                          1          2       3           Charges
                                                                                                                        W/D & RMD                             withdrawal                                                     (NCR-100 TIR-100)
                                                                                                                                          NO MVA             proceeds, at
                                                                                                                        Immediately
  A.M. Best                                 Premium            6 10-Year U.S Treasury Bond                  3.00%       from Fixed.)                           Minimum                   0-75    6.00%     1.00%    1.00%     Lifetime
                                                                                                                                                             Guaranteed                                                       Income
 $23 Billion in                                                                                                                                                Interest,
 Assets under                                 Bonus            7 Current Fixed Value Rate                   1.65%                                           compounded                   76-80   4.50%     0.75%    0.75%   Benefit Rider
manangement as of                                                                                                                                              annually.                                                         (LIBR-2010)
  September 30,                                                               #PR=Participation Rate                                                                                                                            - Choice of an
      2011                                                                                                                                                                                                                      4.50% annual
                                                                                                                                                                                                                                accumulation
                                                New!           1 S&P 500 Annual Monthly Average           15% PR#                                               1.50%                             Most States
                                                                                                                                                                                                                                    option
                                           TRADITIONS                                                                                                                                                                        at no initial cost or
                                                                   S&P 500 Annual Monthly
                                                               2                                         3.00% Cap                                                             $5,000
                                           GOLD PLUS
                                                                                                                                                                                                                              6.50%
                                                                                                                                                              Minimum                              1          2       3
                                                                   Average
                    FIXED INDEX ANNUITY




                                                                                                                          10.00% of                          Guaranteed        NQ or Q
                                                                                                                           Contract
    BBB+                                      ICC11 IDX3       3 S&P 500 Annual Point to Point            15% PR#
                                                                                                                            Value         10 Year             Surrender                  0-75    4.50%     0.75%       Compounded
                                                                                                                                                                                                                    0.75%
                                                                                                                                                               Value:                                                      annual
    Good                                   8.00%               4 S&P 500 Annual Point to Point           3.00% Cap
                                                                                                                          Annually,
                                                                                                                           Starting      9, 8.25, 7.25,
                                                                                                                                        6.25, 5.25, 4.25,        87.5% of
                                                                                                                                                                                         76-80   3.40%     0.55% 0.55%
                                                                                                                                                                                                                       accumulation
                                           Vested over 10yrs                                                               Year 2.                                                                                     option for 10yrs
      S&P                                                      5 S&P 500 Monthly Point to Point          1.60% Cap                       3.25, 2.25, 1,      premiums paid
                                                                                                                                           0.50, 0%          less withdrawal                                                   with a reset
                                                                                                                          Systematic
                                            Premium            6 10-Year U.S Treasury Bond                  3.00%                                              proceeds, at                                                     option for
                                                                                                                         W/D & RMD         NO MVA               Minimum                                                       another 10 yrs
                                                                                                                         Immediately                           Guaranteed
                                              Bonus            7 Current Fixed Value Rate                   1.60%        from Fixed.)                            Interest,
                                                                                                                                                                                                                              with a 60 bps
                                                                                                                                                              compounded                                                       annual fee.
                                                                                                                                                                 annually.
                                                                                #PR=Participation Rate

                                          DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional
                                          charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop,
                                          LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                       American Equity Insurance         10/1/2012
                                                                                                                                               October Spreadsheet                                                                                                                                      http://annuity1.com
            888.661.1999
                                                                                                                                                                    Withdrawal               Surrender              Minimum Minimum Iss. Comm. Rev. Features Rev.
                                             Products                                        Rates Effective 8/9/2012
                                                                                                                                                                    Provision                 Charge               Guaranteed Premium Age  8/9/12      7/3/12
                                          Charter Series℠                                                                               CAPS/           CA
                                                          PAR RATE                             INDEX METHOD                                                                                                                                                            Most States
                                              FPDA                                                                                      Fixed          Only
                                               14 Year                                                                                                                                                               Minimum
                                               Option
                                                                      100%               S&P 500® Annual Daily Average                   2.55%        2.00%                                    14 Year              Guaranteed                                0-75            7.00%                     Full
                                                                                                                                                                                                                     Interest:                                                                     Accumulation
                                             8.00%                    100%               S&P 500® Annual Point-to-Point                  2.25%        2.00%                                                        1% eff. 8/10/10                                                                 Value at death.
NORTH AMERICAN                              Premium                   100%              S&P 500® Monthly Point-to-Point                  1.30%        1.00%            10.00%                                                                                          TX Only
                    FIXED INDEX ANNUITY




                                             Bonus*                   100%                 DJIA ℠ Annual Daily Average                   2.55%        2.00%               of     18, 18, 17, 15,                      Minimum
                                                                                                                                                                    Accumulation     15, 15,                         Guarantee
                                           on all Premiums            100%                 DJIA ℠ Annual Point-to-Point                  2.20%        2.00%                                                                                                    0-51         4.15% 1st yr
                                                                                                                                                                       Value                                         Surrender              $10,000
                                                                                                                                                                                 15,14,12,10, 8,
     A+
                                           paid in the 1st 7          100%               S&P 400® Annual Daily Average                   2.10%        2.00%                                                            Value:                                            2.00% Yr 2 Trail
                                                  yrs                                                                                                                 Annually     6, 4, 2, 0%                                             NQ $2,000
                                                                      100%               S&P 400® Annual Point-to-Point                  2.10%        2.00%             After                                       Accumulation                                                                  Revised 7-3-12
                                                                                                                                                                                                                                               Q
(Superior) by                                   9.34%^                100%                 Russell 2000® Daily Average                   2.25%        2.00%          the 1st Yr.
                                                                                                                                                                                                                      87.5% of
                                                                                                                                                                                                                                                                Max issue age in CA is 65.          Guaranteed
                                           Guaranteed First                                                                                                                                                          premiums,
  A.M. Best                                                           100%                Russell 2000® Annual Pt-to-Pt                  2.05%        2.00%             0-80          + or -
                                                                                                                                                                                                                         less                                                                        Minimum
                                             Year Yield!
                                                                      100%             Nasdaq-100® Annual Point-to-Point                 2.05%        2.00%                         Interest                         withdrawal                                                                     Withdrawal
                                                 1.25%                100%                Nasdaq-100® Monthly Pt-to-Pt                   1.25%        1.00%                       Adjustment                         proceeds,                               Max issue age in FL is 64 unless         Benefit
                                               Current Fixed
                                                                      100%             Dow Jones EuroStoxx 50® Pt-to-Pt                  2.55%        2.00%                                                             at 1%                                client is an accredited investor        (GMWB)
                                              Value Rate plus                                                                                                                                                         Interest,
“A+” (Strong)                               8% premium                100%                    Hindsight Index Strategy                   2.00%        2.00%                                                         compounded
by Standard &                                 bonus.                                                Fixed Account                        1.25%        1.00%                                                           annually                               Commission for all approved states     3 Optional
   Poor’s.                                 (^Assumes no                                                                                                                                                                                                      except in MN, and VA commissions     Rider Choices
                                                                                                  Premium Bonus                          8.00% 10.00%                                                                                                        will be reduced by 1%.
                                            withdrawals)
                                          Charter Series℠ PAR RATE
                                                                                                 INDEX METHOD                            CAPS
                                                                                                                                                        CA             10.00%                                                                                          Most States
                                               FPDA        / FIXED                                                                                     Only                                                                                                                                           6.50%
  $10.36                                       10 Year                                                                                                                      of
                                                                      100%               S&P 500® Annual Daily Average                   2.25%        2.00%                                    10 Year                                                        0-75            6.50%                    annual
 billion in                                    Option                                                                                                               Accumulation
                                                                                                                                                                                                                                                                                                   compounded
                                                                                                                                                                       Value                                         Minimum
assets as of                                 3.00%                    100%               S&P 500® Annual Point-to-Point                  2.00%        2.00%
                                                                                                                                                                      Annually                                      Guaranteed
                                                                                                                                                                                                                                                              76-79          4.8750%               rollup rate for
December 31,                                                                                                                                                                                                         Interest:                                                                        10 years
                                            Premium
                    FIXED INDEX ANNUITY




                                                                      100%              S&P 500® Monthly Point-to-Point                  1.20%        1.00%             After
   2010                                                                                                                                                                                                            1% eff. 8/10/10                                                                Current annual fee
                                             Bonus*                                                                                                                  the 1st Yr.           15, 14,13,12,                                                                                               95bps
                                                                      100%                 DJIA ℠ Annual Daily Average                   2.25%        2.00%                                                                                                            TX Only
                                                                                                                                                                                                11,                   Minimum
                                                                      100%                 DJIA ℠ Annual Point-to-Point                  2.00%        2.00%                                10, 8, 6, 4, 2,           Guarantee
                                          on all Premiums                                                                                                                                       0%                   Surrender              $10,000                                                  6.25% annual
Founded in                                   paid in the              100%               S&P 400® Annual Daily Average                   2.00%        2.00%                                                            Value:                        0-55                   3.65% 1st yr                10.00%
                                              1st 7 yrs                                                                                                                                                                                    NQ $2,000                                                 compounded
1886 as North                                                         100%               S&P 400® Annual Point-to-Point                  2.00%        2.00%                                    + or -               Accumulation
                                                                                                                                                                                                                                               Q                         2.00% Yr 2 Trail          rollup rate for 10
American Accident                                                                                                                                                                                                     87.5% of                                                                    years Plus Option to
                                                 4.13%                100%                 Russell 2000® Daily Average                   2.00%        2.00%                                  Interest
  Association                                                                                                                                                                                                        premiums,                                                                     Extend the Bonus
                                           Guaranteed First           100%                Russell 2000® Annual Pt-to-Pt                  2.00%        2.00%                                 Adjustment                   less                                Max issue age in CA is 79.            Credit for Contract
                                             Year Yield!                                                                                                                                                             withdrawal                                                                   Years 11-20. Current
                                                                      100%                Nasdaq-100® Annual Pt-to-Pt                    2.00%        2.00%              0-80                                                                                                                      annual fee 95bps
                                                                                                                                                                                                                     proceeds,
                                                 1.10%                100%                Nasdaq-100® Monthly Pt-to-Pt                   1.15%        1.00%
                                                                                                                                                     Important Notice: Income                                           at 1%                                Max issue age in FL is 64 unless
                                               Current Fixed                                                                                                                                                                                                                                        5.50% annual
                                                                      100%             Dow Jones EuroStoxx 50® Pt-to-Pt                  2.25% 2.00%    Pay® Income Rider                                             Interest,                              client is an accredited investor
                                              Value Rate plus                                                                                                                                                                                                                                        compounded
                                                                                                                                                                                                                    compounded                                                                    rollup rate for Life
                                                                      100%                    Hindsight Index Strategy                   2.00% 2.00%
                                                                                                                                                      Changes Effective July 3,                                       annually                                                                   or until income rider is
                                            3% premium
                                                                                                                                                     2012 Click here to read the                                                                             Commission for all approved states turned on no maximum
                                                                                                    Fixed Account                        1.10% 1.00%           details.                                                                                      except in MN, and VA commissions crediting years. Current
                                              bonus.                                                                                                                                                                                                         will be reduced by 1%.                 annual fee 40bps
                                                                                                  Premium Bonus                          3.00%        5.00%
                                          DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance,
                                          guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                                North American 10/1/2012
                                                                                                                                               October Spreadsheet                                                                                                                                      http://annuity1.com
                888.661.1999
                                                                                                                                                                                 Withdrawal Surrender Minimum Minimum                                                                 Comm.              Features
                                            Products                                               Rates Effective 8/9/2012                                                                                                                                         Iss. Age
                                                                                                                                                                                 Provision   Charge Guarantee Premium                                                                 Rev. 8/9/12       Rev. 7/3/12
                                                                      PAR                                                                                        FEES /                                                           d
                                                                     RATE /
                                                                                                 INDEX METHOD                                   CAPS            MARGINS
                                        NA PERFORMANCE
                                        CHOICESM 12 PLUS             FIXED
                                                                      100%        NEW!!
                                                                                          S&P 500® Inverse Performance Trigger                  2.15%               N/A                                  12 Year             Minimum                                    0-75           6.00%                Full
                                                                                                                                                                                                                            Guaranteed                                                                 Accumulation
                                                                     100%         S&P 500® Annual Point-to-Point                                2.05%               N/A                                                      Interest:                                                                 Value at death.
   NORTH                                8% Premium                                                                                                                                                                              1%
                                                                     100%         S&P 500® Monthly Point-to-Point                               1.20%               N/A             10.00%                                                                                                                   10.00%
                 FIXED INDEX ANNUITY




  AMERICAN                                Bonus*                                                                                                                                                10%, 10%,
                                                                     100%         DJIA ℠ Annual Point-to-Point                                  2.00%               N/A                of                                    Minimum
                                                                                                                                                                                                10%, 10%,
                                                                     100%                                                                       2.00%                            Accumulation 10%, 9%, 8%,                  Guarantee
                                                                                  S&P 400® Annual Point-to-Point                                                    N/A                                                                                   Max issue age in FL Nursing Home
                                        on all Premiums paid                                                                                                                        Value      7%, 6%, 5%,                  Surrender

    A+
                                                                     100%         Russell 2000® Annual Pt-to-Pt                                 2.00%               N/A
                                                                                                                                                                                                                              Value:           $10,000 NQ is 64 unless client is Confinement
                                           in the 1st 5 yrs                                                                                                                       Annually     4%, 2% then
                                                                     100%         Nasdaq-100® Annual Point-to-Point                             2.00%               N/A                            0%                      Accumulation         $2,000 Q an accredited investor    Waiver
                                                                                                                                                                                    After
 (Superior)                                                          100%          Nasdaq-100® Monthly Pt-to-Pt                                 1.15%               N/A
                                                                                                                                                                                  the 1st Yr.
                                                                                                                                                                                                                             87.5% of
                                                                                                                                                                                                                            premiums,
  by A.M.                                                            100%          Dow Jones EuroStoxx 50® Pt-to-Pt                             2.35%               N/A                                     + or -             less                                Max issue age in CA                   Guaranteed
   Best
                                        100%, 95%, 90%, 85%, 80%,
                                                                     100%         Hang Seng Pt-to-Pt                                            2.00%               N/A                                  Interest           withdrawal                             is 65                                  Minimum
                                        70%, 60%, 50%, 40%, 30%,
                                                                     1.15%        Fixed Account                                                  N/A                N/A                                 Adjustment          proceeds,                                                                    Withdrawal
                                         20%, 10% Premium Bonus
                                                                                                                                                                                                                              at 1%
                                                Recapture                                                                                                                                                                                                                                              Benefit (GMWB)
                                                                                                                                                                                                                             Interest,                             Max issue age in TX
   “A+”                                                                                                                                                                                                                    compounded                              is 55
                                                                                                                                                                                                                             annually
 (Strong) by                                                                                                                                                                                                                                                                                             3 Optional
 Standard &                                                                                                                                                                                                                                                                                            Rider Choices
   Poor’s.
                                                                      PAR                                                                                        FEES /
                                                                                                 INDEX METHOD                                   CAPS
                                        NA PERFORMANCE
                                         CHOICESM 8 PLUS
                                                                     RATE /                                                                                     MARGINS
                                                                                                                                                                                                                                                                                                           6.50%
  $10.36                                                              100%        NEW!!
                                                                                          S&P 500® Inverse Performance Trigger                  2.00%               N/A                                                                                                0-75             5.00%              annual
 billion in                                                                                                                                                                                                                                                                                            compounded
                                                                                                                                                                                                                            Minimum
assets as of                                                          100%        S&P 500® Annual Point-to-Point                                2.00%               N/A                                   8 Year           Guaranteed                                 76-79             3.75%          rollup rate for
December 31,                            4% Premium                                                                                                                                                                          Interest:                                                                     10 years
                 FIXED INDEX ANNUITY




                                                                      100%        S&P 500® Monthly Point-to-Point                               1.25%               N/A                                                                                               80-85            2.50%           Current annual fee
   2010                                   Bonus*                                                                                                                                                                               1%
                                                                                                                                                                                                                                                                                                            95bps
                                                                      100%        DJIA ℠ Annual Point-to-Point                                  2.00%               N/A             10.00%              10%, 10%,
                                                                                                                                                                                                                            Minimum
                                                                                                                                                                                                        10%, 10%,
                                                                      100%        S&P 400® Annual Point-to-Point                                2.00%               N/A                  of                                Guarantee
                                                                                                                                                                                                       9%, 8%, 5%,
                                        on all Premiums paid                                                                                                                     Accumulation          4%, 3% then         Surrender                                                                     6.25% annual
Founded in                                 in the 1st 5 yrs           100%        Russell 2000® Annual Pt-to-Pt                                 2.00%               N/A             Value                  0%                Value:    $10,000 NQ                      Important                            10.00%
                                                                                                                                                                                                                                                                                                         compounded
1886 as North                                                         100%        Nasdaq-100® Annual Point-to-Point                             2.00%               N/A            Annually                               Accumulation $2,000 Q                                                        rollup rate for 10
   American                                                                                                                                                                          After                                  87.5% of                               Notice: Income                      years Plus Option
   Accident                                                           100%         Nasdaq-100® Monthly Pt-to-Pt                                 1.05%               N/A
                                                                                                                                                                                                                           premiums,                                                                   to Extend the Bonus

  Association                           100%, 90%, 80%, 70%, 60%,
                                                                      100%         Dow Jones EuroStoxx 50® Pt-to-Pt                             2.10%               N/A
                                                                                                                                                                                  the 1st Yr.
                                                                                                                                                                                                            + or -             less
                                                                                                                                                                                                                                                                     Pay® Income                        Credit for Contract
                                             50%, 40%, 20%                                                                                                                                                                                                                                             Years 11-20. Current
                                         Premium Bonus Recapture      100%        Hang Seng Pt-to-Pt                                            2.00%               N/A               0-80               Interest
                                                                                                                                                                                                                           withdrawal                               Rider Changes                        annual fee 95bps
                                                                                                                                                                                                        Adjustment         proceeds,
                                                                     1.05%        Fixed Account                                                   N/A               N/A
                                                                                                                                                                                                                              at 1%                                Effective July 3,                    5.50% annual
                                                                                                                                                                                                                            Interest,                                                                    compounded
                                                                                                                                                                                                                          compounded                               2012 Click here                    rollup rate for Life
                                                                                                                                                                                                                            annually                                                                   or until income rider is
                                                                                                                                                                                                                                                                      to read the                           turned on no
                                                                                                                                                                                                                                                                                                        maximum crediting
                                                                                                                                                                                                                                                                        details.                       years. Current annual
                                                                                                                                                                                                                                                                                                              fee 40bps


                                       DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance,
                                       guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                            North American 10/1/2012
                                                                                                  October Spreadsheet                                                                                                                             http://annuity1.com
        888.661.1999
                                                                    Current Interest Rates                                          Withdrawal              Surrender              Minimum Minimum                              Commissions
                   Products                                                                                                         Provision                Charge                                                                Schedule A           Features
                                                               Rates Effective 9/01/2012                                                                                           Guarantee Premium                               Rev 9-1-12
                                     PAR RATE /                                                                                                                                                                                   OptiPoint® 10
                                                                                                  $100K+      Less than $100K
                                       FIXED                  INDEX METHOD                                                                                                                                                                                Full
                                       RATE                                                       CAPS            CAPS                                                                                                          0 - 74    6.00%      Accumulation
                                                                                                                                                                                                                                                     Value at death.
                                                                                                                                                 10 year:
 Lincoln           Lincoln
                                        100%           S&P 500® Two Year Point to Point           7.00%           7.00%
                                                                                                                                               10% 9% 8%                                                              Min.
                                                                                                                                                                                                                                75-79     4.00%
                                                                                                                                                                                                                                                          10.00%
Financial         OptiPoint®            100%            S&P 500® Two Year Monthly Cap             2.30%           2.30%         Beginning in 7% 6% 5%                                                                Initial      80      1.75%
                                                                                                                                                                                                                                                       NEW RMD
                                                                                                                                                                                                                                                        Friendly
                      10                                                                                                          the first     4% 3% 2%                           Guaranteed Minimum Cash
                                                                                                                                                                                                                   Premium
 Group                                  100%           S&P 500® Perf. Triggered Specified
                                                                                                  2.50%           2.50%         contract year, 1% then 0%
                                                                                                                                                                                    Surrender Value (GMCSV)
                                                                                                                                                                                   ensures that you will receive
                                                                                                                                                                                                                    $5,000
                                                                                                                                                                                                                                                     Income Rider
                                                                     Rate
                                                                                                                                                                                     the greater of your actual                                     Lincoln Lifetime
                                                                                                                                                            + or - MVA                contract value, less any        NQ
                                                                                                                                 up to 10% of                                                applicable                                              IncomeSM Edge
                                                         1 year fixed interest rate period        1.00%           1.00%                                                           surrender charge and Market      $2,000 Q
                                                                                                                                contract value                                       Value Adjustment, or the                                            5.00%
    A+                                                Premium Bonus                                                                                                                                                   Min.
                                                                                                                                     may be
                                                                                                                                                                                    GMCSV. Withdrawals and

                                             (Premium Bonus Vests Immediately)
                                                                                                  4.00%          3.00%                                                                       surrender
                                                                                                                                                                                                                   Additional
                                                                                                                                                                                                                                                     CompoundedR
                                                                                                                                withdrawn each
                                                                                                                                                                                       charges will affect the
                                                                                                                                                                                                                                                        ollup for 15
(Superior) by                        PAR RATE /                                                                  Less than
                                                                                                                                                                                  GMCSV and can result in the
                                                                                                                                                                                                                   premium                              years Plus
                                                                                                                                 contract year
                                                                                                                                                                                  GMCSV being less than your
                                                                                                                                                                                                                                 OptiChoicesm 9
                                       FIXED                  INDEX METHOD                        $100K+          $100K                                                                    premium. The
                                                                                                                                                                                                                      $50
  A.M. Best                                                                                                                          without
                                                                                                                                                                                       GMCSV is based on a                                            income factors
                                       RATE                                                    CAPS/Spread      CAPS/Spread                      9year:                             guaranteed minimum fixed        (Max of     0 - 75    7.00%      increase based
                    Lincoln                                                                                                         incurring
                                                                                                                                                                                    interest rate, which ranges
                                                                                                                                               9% 8% 7%                                   from 1% – 3%.            $25,000                              on deferral
AA-   by S&P OptiChoicesm               100%            S&P 500® One Year Monthly Cap             1.45%           1.45%             charges.                                                                       per year)    76-80     5.25%       period. Annual
                                                                                                                                               6% 5% 4%
                                                                                                                                                                                                                                                     Rider charge of 65 bps
                         9                                      ®
                                                       S&P 500 Perf. Triggered Specified                                                                   3% 2% 1%
                                        100%                                                      2.50%           2.50%
A2 by Moody's                                                       Rate                                                                                    then 0%
                                        100%        S&P 500® One Year Monthly Average Spread      9.00%           9.00%                                     + or - MVA

A+ by Fitch                                              1 year fixed interest rate period        1.10%           1.10%
                                                       Current Interest Rates                                  Withdrawal                                  Minimum                  Minimum
                   Products                                                                                    Provision
                                                                                                                                Surrender Charge                                                                   Iss. Age     Commissions             Features
                                                      Rates Effective 9/01/2012                                                                            Guarantee                Premium                                                  0-
    $168                                Rate                                                      Low
                                                                                                                                3 Year Term 7,7,6                                                                               0 - 75    2.00%
                                                                 High Band                                        In each                                                                                          5-Year                 1.30%
 billion in                             Guar                                                      Band
                                                                                                                  contract
                                                                                                                                4 Year Term 7,7,6,5                                                                             76-80
                                                                                                                                5 Year Term 7,7,6,5,4                                                                           80 - 85   0.75%
assets as of                            Term
                                                                      $100K+
                                                                                                  less than      year , you
                                                                                                                                6 Year Term 7,7,6,5,4,3                                                                         0 - 75    2.25%
June 30, 2012
                                                                                                    $100K           may
                                    3-YEAR
                                                                    Sales Temporarily Suspended                withdraw up      7-10 Year Terms                                                                    6-Year       76-80     1.50%
                                                                                                                to 10% of       7,7,6,5,4,3,2                 Guaranteed
                                    4-YEAR                                                                                                                  minimum interest                                                                              Full
                MYGuarantee                                         Sales Temporarily Suspended                the contract                                                                                                     80 - 85   0.75%
                                                                                                                                                           rate is set at issue        $10,000                                                       Accumulation
                   Plus     5-YEAR                                   1.25%                        1.10%         value (also          MVA + or -
                                                                                                                                                          and ranges from 1%                                                    0 - 75    2.50%      Value at death.
                                                                                                              referred to as                                      – 3%.                                             7-10-
                                    6-YEAR                           1.55%                        1.40%              the
                                                                                                                                                                                                                                76-80     1.60%
                                                                                                                                                                                                                    Years
                                    7-YEAR                           2.00%                        1.80%       accumulation                                                                                                      80 - 85   1.00%
                                                                                                                   value)
                                    8-YEAR                           2.00%                        1.85%        without any
                                    9-YEAR                           2.10%                        1.95%          charges.
                                    10-YEAR                          2.10%                        1.95%
                DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent
                Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this
                spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                Lincoln Financial Group 10/1/2012
             888.661.1999                                                                                                                            October Spreadsheet                                                                                                                                                        http://annuity1.com

                                                                                                            Current Interest Rates                                    Withdrawal                    Surrender                      Minimum               Minimum                  Iss.           Comm.
                                                                 Products                                                                                                                                                                                                                                                        Features
                                                                                                             (Effective 2/27/2012)                                    Provision                      Charge                        Premium               Guarantee                Age           Rev. 8-12-12
                                                                                                      $250,000 $100,000- $25,000 -                                                                    10-year                                             87.5% of the
                                                                                                        plus   $249,999 $99,999                                                                      declining
                                                                                                                                                                                                                                                      premiums paid, less
                                                                                                                                                                                                                                                        withdrawals and
                                                                                                                                                                                                                                                                                                                         25% income bonus
                                                                                                                                                        • 10% of the                                                                                                                 INCOME 125℠
                          FIXED INDEX ANNUITY
                                                                                                                                                                                                                                                                                                                     based on the initial premium
                                                          INCOME 125℠                                   ULTRA                 HIGH                                                                                                                       rider charges,
                                                                                                                                              LOW BAND beginning-of-                                                                                                                                                  received and applied to the
                                                        25% Income Bonus                                BAND                  BAND                     year Contract                                   +/-MVA                                         compounded at the
                                                                                                                                                                                                                                                                                                                     Guaranteed Lifetime Income
                                                                                                                                                                                                                                                      applicable Minimum
                                                                                                                                                       Value after the                                                                                                                                                      Account Value.
                                                    Monthly Point-to-Point with Cap                                                                     first contract
                                                                                                                                                                                                                                                          Guaranteed                 0-75 6.50%
  Forethought                                               (Annual Reset)
                                                                                                       1.50%                1.25%              1.00%                                                                               $25,000            Contract Withdrawal
                                                                                                                                                                                                                                                                                                                      5% Annual Compounded
                                                                                                                                                        year can be
   Financial                                                                                                                                                                                     12, 12, 11, 10,                   NQ - Q                Value Interest
                                                                                                                                                                                                                                                                                                                       Roll-up to the Guaranteed
     Group                                               Fixed Account Strategy                        1.25%                1.25%              1.25% withdrawn each
                                                                                                                                                        year without                             9, 8, 7, 6, 4, 2,
                                                                                                                                                                                                                                                         Rates, ranging            76-85 4.50%                       Lifetime Income Account Value
                                                                                                                                                                                                                                                        from1% to 3%.
                                                                                                                                                           incurring                                   0%                                                                                                                      for 10 years
                                                    Annual Point to Point with Cap                     3.00%                3.00%              3.00%      withdrawal
                                                                                                                                                           charges.                                                                                                              1.00% Less in AK, CT,               Optional 5.00% Annually
    A.M. BEST
                                                                                                                                                                                                                                                                                  DE,FL, MN, OR, SC,                 Increasing Death Benefit
     RATING
                                                 Annual Death Benefit Rider Charge                       1.10%                1.10%                1.10%                                                                                                                                TX, UT                           Guarantee Rider
                                                                                                            Current Interest Rates                                    Withdrawal                    Surrender                      Minimum               Minimum
                                                                                                                                                                                                                                                           0-80                   Iss.           Comm.
                                                                 Products                                                                                                                                                                                                                                                        Features
                                                                                                             (Effective 6/17/2012)                                    Provision                      Charge                        Premium               Guarantee
                                                                                                                                                                                                                                                           0-80                   Age           Rev. 8-12-12

       A-                                            BONUS ADVANTAGE℠                                                                                                                                                                                                            55-75          6.50%
                                                                                                                                                                                                                                                                                                                       Full Contract Value at
                                                                                                                                                                                                                                                                                                                      Death Lump Sum without
   (Excellent)                                                                                                              RATES                                                                                                                                                                                      any Surrender Charges

                                                    5.00% Premium Bonus                                                                                                                              10 Year:                                   87.5% of the  76-80 4.50%
                                                                                                                                                                         Free                                                                 premiums paid,
                                                                                                                                                                                                 10% 10% 9%                                                                                                             Nursing Home Waiver of
                                                                                                                                                                     Withdrawals                                                             less withdrawals
                                                    Annual Point to Point with Cap                                           2.75%                                                              9% 8% 7% 6%                                       and rider
                                                                                                                                                                                                                                                                                                                         Surrender Charge Rider
                                                                                                                                                                    up to 10% of
                                                                                                                                                                    the beginning-of-
                                                                                                                                                                                                  5% 4% 2%                                        charges,    1.00% Less in AK, MD,

  $5.1                                                                                                                                                                      year
                                                                                                                                                                                                 +or - MVA                                    compounded at MN, OH, OK, SC, TX,
                         FIXED INDEX ANNUITY




                                                                                                                                                                                                                                               the applicable      UT and WA
                                                 Monthly Point to Point with Monthly                                                                                 Contract Value
Billion in                                                       Cap
                                                                                                                             1.00%                                  can be withdrawn                                               • $25,000
                                                                                                                                                                                                                                                 Minimum                                                               Terminal Illness Waiver of
                                                                                                                                                                                                                                                                                                                        Surrender Charge Rider
                                                                                                                                                                                                                                                Guaranteed
 Assets                                                                                                                                                              each year after
                                                                                                                                                                    the first Contract
                                                                                                                                                                                                                                   minimum        Contract
     under                                                                                                                                                                                   Premium Bonus is                      premium       Withdrawal
                                                                                                                                                                       Year without                                                                                                                                   Enhanced Death Benefit
manangement as                                    Monthly Average with Annual Cap                                            2.75%                                       incurring
                                                                                                                                                                                           vested over 10 years.                       •       Value Interest
                                                                                                                                                                                                                                                                                                                       available with Optional
of June 30, 2011                                                                                                                                                                                                                  $1,000,000 Rates, ranging
                                                                                                                                                                       Withdrawal                                                                                                                                       Income Benefit Rider
                                                                                                                                                                    Charges, except in Click here to view the                      maximum from1% to 3%.
                                                                                                                                                                                           Product Detail Sheet for premium for
                                                               Fixed Account                                                 1.00%                                   any year where a full
                                                                                                                                                                          surrender         the Bonus Advantage ages 55–75
                                                                                                                                                                           occurs.
                                                                                                                                                                                                   Annuity           • $500,000
                                                                                                                                                                      • Systematic
                                                   Annual Optional Income Benefit                                                                                                                                     maximum
                                                                                                                             0.95%                                  withdrawals may AK, MD, MN, OH, Ok,
                                                              Charge                                                                                                                                                             premium for
    5.00%                                                                                                                                                             be specified by
                                                                                                                                                                           dollar
                                                                                                                                                                                                       & WA Only                 ages 76–80                                                                         Enhanced Death Benefit is
                                                                                                                                                                                                                                                                                                                     equal to the Income Base.
  Premium                                       Optional Income Benefit                 (contractually known as Guaranteed Lifetime Income                              amount or
                                                                                                                                                                                                       10 Year:                                                                                                      Paid monthly over 5 years
                                                                                                                                                                      percentage of
                                                Benefit and available for an annual charge of 0.95% of the Income Base), can provide:                                                          10% 9% 8% 7%
   Bonus                                        • A 5.00% annual growth in the Income Base1
                                                                                                                                                                    Contract Value with
                                                                                                                                                                           your
                                                                                                                                                                                                6% 5% 4%3%
     10 Yr                                      • Single and Joint Life Income Options                                                                               choice of payout
   Surrender                                    • 8.00% temporary income booster if the Owner waits 10 years or more to start
                                                                                                                                                                        frequency.             2% 1%     NO                                                                                                            See Optional Income
                                                                                                                                                                                                    MVA                                                                                                               Benefit Detail Sheet for
   7.00%                                        income payments2
                                                • Guaranteed lifetime income payments, even if the Contract Value falls to zero3                                                                                                                                                                                       details. Click Here to
                                                                                                                                                                                                Premium Bonus is
Commission                                      • An Enhanced Death Benefit option that can grow up to 250% of premium less                                                                                                                                                                                                     View
                                                                                                                                                                                               vested over 10 years.
                                                an adjustment for withdrawals, and pays out in equal monthly payments over five years4

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal
                                                                                                         provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.



                                                                                                                                                                                                                                                                                                                  FORETHOUGHT 10/1/2012
                                                                                                               October Spreadsheet                                                                                           http://annuity1.com
                 888.661.1999
                                                                                                                                 Withdrawal      Surrender Minimum Minimum                  Iss.     Commission Rev.
                                             Products                   Current Interest Rates Effective 8/27/2012                                                                                                                Features
                                                                                                                                 Provision        Charge   Guarante Premium                 Age          9-12
                                                                                                    Par rate/Cap   Asset Fee   10% Account                                                          NWL® IMPACT 10
                                                                                                                                                                                                                                  Full
                                                                                                                               Value, free of a                     1.00%
                                          NWL Impact S&P 500 Annual Monthly Average                   50%          1.50%           withdrawal
                                                                                                                                                                                                      Non Qualified             Contract
                                                  10              S&P 500 Monthly Point to Point   2.00% Cap         N/A
                                                                                                                                 charge, once                       Minimum
                                                                                                                                                                                            0-75            6.50%               Value at
                                                                                                                                    annually                       Guaranteed
                                                                                                                                                                                                                                 Death!
                                            7.00%                                                                                                                                  $5,000
                                                                                                                                  AFTER 1st                         Surrender
    Austin, TX                                                    S&P 500 Annual Point to Point    3.00% Cap         N/A                          10 Year            Value:
                                                                                                                                                                                            76-80             4.50%
                    FIXED INDEX ANNUITY




                                                                                                                                  Policy Year                                       NQ
                                          Subject to Vesting      Global Annual Monthly Average       40%          1.80%        or Systematic                        87.5% of

      A
                                                                                                                                                10, 10, 10,
                                              Schedule
                                                                  Current Fixed Value Rate           1.60%          N/A         Withdrawal of
                                                                                                                                                                     premiums
                                                                                                                                                                                                        Qualified                Income
                                                                                                                                 Interest After 10, 10, 9, 8,     received, less

                                                                                                                               1st Policy Year 6, 4, 2, then
                                                                                                                                                                 withdrawals and            0-70            6.50%                Outlook
                                                                                                                                                                    withdrawal
   Excellent                                                                                                                   or IRA Qualified     0%               charges,
                                                                                                                                                                                   $2,000   71-75             5.00%               Plus 5
                                                                                                                               - RMD free of a   NO MVA                              Q
  A.M. Best                                Premium                                                                                 withdrawal
                                                                                                                                                                 accumulated at
                                                                                                                                                                   the Minimum
                                                                                                                                                                                            76-80             2.50%              Lifetime
  $8.7                                      Bonus                                                                                    charge                         Guaranteed
                                                                                                                                                                  Interest Rate.
                                                                                                                                                                                                                                 Income
Billion in                                  7% Subject to a                                                                                                                                                                       Benefit
                                            Bonus Vesting
 Assets                                        Schedule                                                                                                                                                                            Rider
                                          Vests over 10 years
     under
manangement as of
                                          (0,0,0,0,0,0,0,25,50,
                                                 100%)
                                                                     IMPACT 10 is available in the states
                                                                             below as of 9-12
                                                                                                                                                                                                                                5.00%
December 30, 2010
                                                                  AL,AZ,AR,CO,DC,FL,GA,HI,ID,IA,KS,KY,LA,MD,MI,MT,NE,                                                                                                           Premium
                                           Bonus is fully
                                          vested at death!
                                                                   NH, NM,NC,ND,OK,PR,RI,SD,TN,VT,VI,WV,WI,WI,WY                                                                                                                  Rider
                                                                                                                                                                                                                                  Bonus
                                                                                                    Par rate/Cap   Asset Fee   10% Account          NWL®
                                                                                                                                                                    1.00%
                                                                                                                                                                                                    NWL® IMPACT 7
                                                                                                                                                                                                                                added to
                                          NWL Impact S&P 500 Annual Monthly Average    50%                         1.05%       Value, free of a IMPACT 7                                              Non Qualified
                                                                                                                                   withdrawal       7 Year                                                                         the
                                                                                                                                                                                                            5.50%
                                                                                                                                                                     Minimum
                                              7      S&P 500 Monthly Point to Point 2.00% Cap                       N/A                                                                     0-75
                                                                                                                                 charge, once                      Guaranteed
                                                                                                                                                               Surrender    Value:                                              contract
                                            5.00%                 S&P 500 Annual Point to Point
                                                                  Global Annual Monthly Average
                                                                                                   3.45% Cap
                                                                                                      45%
                                                                                                                    N/A
                                                                                                                   1.85%
                                                                                                                                    annually
                                                                                                                                  AFTER 1st
                                                                                                                                                10, 10, 10, 9,
                                                                                                                                                                    87.5% of
                                                                                                                                                                                   $5,000
                                                                                                                                                                                    NQ
                                                                                                                                                                                            76-80             3.50%
                                                                                                                                                                                                                                   and
                                          Subject to Vesting                                                                                     8, 7, 6, then
                                                                                                                                  Policy Year
                                              Schedule            Current Fixed Value Rate           1.95%          N/A                               0%
                                                                                                                                                                    premiums
                                                                                                                                                                                                        Qualified                income
                    FIXED INDEX ANNUITY




                                                                                                                                or Systematic                    received, less
                                                                                                                                Withdrawal of     NO MVA        withdrawals and             0-70            5.50%              values and
                                                                                                                                 Interest After                    withdrawal
                                                                                                                                                                    charges,       $2,000   71-75             4.00%               4.00%
                                                                                                                               1st Policy Year
                                                                                                                                                                accumulated at       Q
                                           Premium
                                                                                                                               or IRA Qualified
                                                                                                                                                                  the Minimum               76-80             1.50%              Annual
                                                                                                                               - RMD free of a
                                                                                                                                   withdrawal       NWL®
                                                                                                                                                                   Guaranteed
                                                                                                                                                                 Interest Rate.
                                                                                                                                                                                                                               Rollup Up
                                             Bonus                   IMPACT 7 version is available in the states                     charge
                                                                                                                                                  IMPACT 7S
                                                                                                                                                                                                    NWL® IMPACT 7S             with a 75bps
                                            5% Subject to a                     below as of 9-12                                                    7 Year                                            Non Qualified             annual fee.
                                             Bonus Vesting
                                                Schedule
                                                                  AL,AZ,AR,CO,DC,GA,HI,ID,IA,KS,KY,LA,MD,MI,MT,NE,NH,                                                                       0-75            5.00%               Rider is
                                                                      NM, NC,ND,OK,PR,RI,SD,TN,VT,VI,WV,WI,WI,WY                                                                                              3.00%
                                            Vests over 10 years
                                           (0,0,0,0,0,10,20,30,
                                                                                                                                                9, 7.75, 6.25,                              76-80                                 RMD
                                                50,100%)                                                                                         5, 3.5, 2.75,                                                                  Friendly!
                                                                    IMPACT 7S version is available in the states                                1.75 then 0%                                            Qualified


                                           Bonus is fully
                                                                                below as of 9-12                                                  NO MVA                                    0-70            5.00%
                                          vested at death!         IL, IN, MA, MN, NJ, NV, OH, OR, PA, SC, TX, UT, and WA                                                                   71-75             3.50%
                                                                                             Only                                                                                           76-80             1.00%

                                                                                                                                                                                                                    National Western   10/1/2012
                                                                                                                                                            October Spreadsheet                                                                                                                                                         http://annuity1.com
                 888.661.1999
                                                                                                                                                                                         Withdrawal               Surrender Minimum Minimum                                           Iss.           Commission rev.
                                               Products                            Current Interest Rates Effective 8/27/2012                                                                                                                                                                                                                     Features
                                                                                                                                                                                         Provision                 Charge   Guarante Premium                                          Age               9-15-11
                                                                                    12.53*% Guaranteed First Year Yield!                                                               10% Account
                                                                                                                                                                                                                                               1.00%
                                                                                                                                                                                                                                                                                                     Most States
                                                                                                                                                                                                                                                                                                                                                  Full
                                                                                      2.30% Current Fixed Value Rate Plus                                        10.0% Bonus Value, free of a
                                          Ultra Future                                                                                                                                    withdrawal
                                                                                                                                                                                                                                                                                                     Non Qualified
                                                                                                                                                                                                                                                                                                                                                Contract
                                                                                                                                          Par rate/Cap              Asset Fee           charge, once
                                                                                                                                                                                                                                               Minimum
                                                                                                                                                                                                                                              Guaranteed
                                                                                                                                                                                                                                                                                       0-75                    5.00%                            Value at
                                                                                                                                                                                           annually                   15 Year                  Surrender           $5,000
    Austin, TX                                                          S&P 500 Annual Monthly Average                                         50%                  0.85%                AFTER 1st                                                                                    76-80                      3.00%                           Death!
                                            10.00%
                                                                                                                                                                                                                                                Value:
                                                                                                                                                                                                                                                                    NQ
                    FIXED INDEX ANNUITY




                                                                        S&P 500 Monthly Point to Point                                       2.25%                     N/A               Policy Year             19.25,18.5,1                  87.5% of                                                 Qualified

      A                                        Immediately
                                                 Vested
                                                                        Current Fixed Value Rate                                             2.10%                     N/A
                                                                                                                                                                                       or Systematic
                                                                                                                                                                                       Withdrawal of
                                                                                                                                                                                        Interest After
                                                                                                                                                                                                                 7.75,16.75,1
                                                                                                                                                                                                                   6,15.25,
                                                                                                                                                                                                                                               premiums
                                                                                                                                                                                                                                            received, less
                                                                                                                                                                                                                                           withdrawals and
                                                                                                                                                                                                                                                                                      FL Only *0-64 Max unless an accediated investor

                                                                                                                                                                                                                                                                                    0-70: 5%, 71-75: 1.5%, 76-80: 0.25%
                                                                                                                                                                                                                                                                                                                                                Income
                                                                                                                                                                                      1st Policy Year
                                                                                                                                                                                                                 14.5,13.5,12.                withdrawal           $2,000                 WA, DE, IL, IN, MA, MN, NJ, PA                        Outlook
   Excellent                                                                                                                                                                                                     75,12,10,8,6,
                                                                                                                                                                                      or IRA Qualified
                                                                                                                                                                                                                      4,2
                                                                                                                                                                                                                                               charges,
                                                                                                                                                                                                                                                                     Q
                                                                                                                                                                                                                                                                                                   & UT ONLY)
                                                                                                                                                                                                                                                                                                                                                 Plus 5
  A.M. Best                                 Premium                                                                                                                                   - RMD free of a
                                                                                                                                                                                                                                           accumulated at                                            Non Qualified
                                                                                                                                                                                                                                             the Minimum                                                                                        Lifetime
  $8.7                                       Bonus                                                                                                                                        withdrawal
                                                                                                                                                                                                                     NO MVA                   Guaranteed                               0-75                      5.00%
                                                                                                                                                                                            charge                                          Interest Rate.                                                                                      Income
Billion in                                                                                                                                                                                                                                                                            76-80                      3.00%
                                                                                                                                                                                                                                                                                                                                                 Benefit
 Assets                                          2.00%                                                                                                                                                                                                                                                  Qualified
                                                                                                                                                                                                                                                                                                                                                  Rider
                                                                                                                                                                                                                                                                                     0-70: 5%, 71-75: 2.5%, 76-80: 1.5%
     under                                  Premium
manangement as of
December 30, 2010
                                          Bonus in PA,                                                                                                                                                              Surrender
                                                                                                                                                                                                                      Charge
                                                                                                                                                                                                                                                                                                  LA Commissions
                                                                                                                                                                                                                                                                                                                                                5.00%
                                           MA, IL, WA,                                                                                                                                                                                                                                            1.00% Higher
                                                                                                                                                                                                                   Variations in                                                                                                             Premium
                                          MN, NJ, DE,                                                                                                                                                             FL,IL, MA, PA,                                                                            TX
                                             IN, UT
                                                                                                                                                                                                                   TX, VA, VT,
                                                                                                                                                                                                                                                                                                   NQ or Qualified
                                                                                                                                                                                                                                                                                                                                                Rider
                                                                                                                                                                                                                   WA, DE, IN,
                                                                                                                                                                                                                   MN, NJ, UT                                                          0-55                       2.25%                        Bonus
                                                                                                                                          Par rate/Cap              Asset Fee           10% Account                                                                                                  Most States                             added to
                                                                                                                                                                                                                                               1.00%
                                                Ultra                   S&P 500 Annual Monthly Average                                     50%                      0.25%              Value, free of a
                                                                                                                                                                                         withdrawal
                                                                                                                                                                                                                                                                                                     Non Qualified                               the
                                               Classic                  S&P 500 Monthly Point to Point                                  2.65% Cap                    N/A                charge, once
                                                                                                                                                                                                                                               Minimum
                                                                                                                                                                                                                                              Guaranteed
                                                                                                                                                                                                                                                                                       0-75                  10.00%                           contract
                                                                                                                                                                                       annually AFTER                 13 Year
                                                                        Current Fixed Value Rate                                          2.50%                      N/A                                                                       Surrender           $5,000             76-80                      8.50%                      and income
                                                                                                                                                                                       1st Policy Year,                                         Value:
                                                                                                                                                                                                                                               87.5% of             NQ                                  Qualified
                                                                                                                                                                                      cumulative to 15,14.75,14,                                                                                                                            values and
                    FIXED INDEX ANNUITY




                                                                                                                                                                                                                                               premiums
                                                                                                                                                                                       a maximum           13,12.25,                        received, less
                                                                                                                                                                                                                                                                                    0-70: 10%, 71-75: 8%, 76-80: 7%
                                                                                                                                                                                           of 50%         11.25,10.5,9.                    withdrawals and         $2,000              FL Only *0-64 Max unless an accediated                  4.00%
                                                                                                                                                                                         or Systematic
                                                                                                                                                                                         Withdrawal of
                                                                                                                                                                                                          75,8.75,8,6,4                       withdrawal
                                                                                                                                                                                                                                               charges,
                                                                                                                                                                                                                                                                     Q                                    investor
                                                                                                                                                                                                                                                                                                     Non Qualified                             Annual
                                                                                                                                                                                                                ,2
                                                                                                                                                                                       Interest After 1st
                                                                                                                                                                                       Policy Year or IRA
                                                                                                                                                                                                                                           accumulated at                              0-75                     9.00%                        Rollup Up
                                                                                                                                                                                                                                             the Minimum
                                                                                                                                                                                      Qualified - RMD free
                                                                                                                                                                                                                     NO MVA                   Guaranteed                              76-80                     7.50%                        with a 75bps
                                                                                                                                                                                         of a withdrawal
                                                                                                                                                                                             charge
                                                                                                                                                                                                                                            Interest Rate.                            81-85                     5.00%                        annual fee.
                                                                                                                                                                                          or Systematic                                                                                                 Qualified
                                                                                                                                                                                          Withdrawal of
                                                                                                                                                                                        Interest After 1st                                                                             0-70: 9%, 71-75: 7%, 76-80: 6%. 81-85: 3.5%
                                                                                                                                                                                       Policy Year or IRA
                                                                                                                                                                                                                                                                                                  LA Commissions
                                                                                                                                                                                      Qualified - RMD free
                                                                                                                                                                                         of a withdrawal            Surrender                                                                    1.00% Higher
                                                                                                                                                                                             charge                   Charge
                                                                                                                                                                                                                                                                                                            TX
                                                                                                                                                                                                                  Variations in FL
                                                                                                                                                                                                                      and TX                                                                       NQ or Qualified
                                                                                                                                                                                                                                                                                       0-57                       7.75%
                                          DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative
                                          practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.



                                                                                                                                                                                                                                                                                                                     National Western                     10/1/2012
                                                                                                                           October Spreadsheet                                                                                                                                  http://annuity1.com
            888.661.1999
                                                          Current Interest Rates                                         Withdrawal                                                Minimum                  Minimum          Iss.
                                Products                                                                                            Surrender Charge                                                                                             Comm.                           Features
                                                             Rates Effective 5/1/2012                                    Provision                                                 Guarantee                Premium          Age
                                                                  Multi-Year Guarantee Annuity                                                                                                                                        5-6-8 &10-Yr
                                                                                                                                                                                    87.5% of
                               Certainty             5-Year                            2.75%                                                        10,10,9,9,8%                                                                                                         Certainty SelectTM
                                                                                                                                                                                 premium minus
                               Select™                                                                                                                                            withdrawals,                              0-80                3.00%                         (SPDA)
                                                     6-Year                          3.00%                                Cumulative               10,10,9,9,8,8%
                                                                                                                                                                                 accumulated at
                                                                                                                                                                                                                                                                           Death Benefit:
                                                                                                                           interest                                                                                                                                      Upon death of first
                      FIXED
                                                                                                                                                                                  the Minimum   $10,000
   EquiTrust Life
                                   (Base                              3.12% 8yr Guaranteed Yield                          beginning             10,10,9,9,8,8,7,7%                                                         81-90                 2.25%                  Owner, Accumulation
Insurance Company                                    8-Year                                                                                                                        Guaranteed   NQ or Q
                                  Contract)                                4.00% 1st Yr 3.00% yrs 2-8
                                                                                                                         immediately                                                                                                                                    Value Nursing Home
   Des Moines IA                                                                                                                                                                  Contract Rate
                                                                                                                                             10,10,9,9,8,8,7,7,6,5%                                                                                                            Waiver
                                                                                                                                                                                                                                                                         (Issue Ages 0-80)
 B++ (Good) from
                                                                                     3.50%                                                          Base Contract                   (2% for 2012
                                                    10-Year                                                                                   + or - MVA except in VT                 contracts)
    A.M. Best
                                Certainty                                                                                   Interest                                             (With Optional                                                                            (With Optional Rider)
                                                                  Multi-Year Guarantee Annuity                                                                                                                                        5-6-8 &10-Yr                              and (Original)
  B+" ("Good")                   Select™                                                                                    only 1st                                                 Rider)                $10,000
                                                                                                                                                                                                                                                                         Death Benefit the choice
      S&P                         (With                                                                                     contract                                                87.5% of               NQ or Q
                                                     5-Year                            2.75%                                  year,
                                                                                                                                                     9,8.5,8,7.5,7               premium minus
                                                                                                                                                                                                                                                                                     of:
                                 Optional                                                                                                                                                                                                                                 Cash Surrender Value
                                                                                                                                                                                  withdrawals,                              0-80                3.00%
$7.36 Billion in               Rider) and            6-Year
                                                                                     3.00%                                                                                                                                                                                       immediately
                      FIXED




                               Certainty™                                                                                   10% of      9,8.5,8,7.5,7,6.5% (2% for 2012 contracts)                                                                                        or Accumulation Value
 assets as of                                                                                                                                                                                                                                                              applied to a Payment
                                (Original)                                                                                  Account
   12/31/10                                                                                                                  Value                           (Original) 100% of                                                                                             Option for at least a
                                                                      3.12% 8yr Guaranteed Yield
                                                     8-Year                                                                years 2+. 9,8.5,8,7.5,7,6.5,6,5.5% premium minus                                                81-90                 2.25%                          5-year period.
                                                                         4.00% 1st Yr 3.00% yrs 2-8                                                             withdrawals,                                                                                                        AND
                                                                                                                                                                                  accumulated at the                                                                      Nursing Home Waiver
                                                                                                                                              9,8.5,8,7.5,7,6.0,6,5.5
                                                                                     3.50%
                                                                                                                                                                                 Minimum Guaranteed                                                                          (Issue Ages 0-80)
                                                    10-Year                                                                                                                      Contract Rate (2% for
                                                                                                                                                     ,5,4.5%                       2012 contracts).
                                                                   Current Interest Rates                                Withdrawal                                                Minimum                  Minimum          Iss.
                                Products                                                                                            Surrender Charge                                                                                       Comm.                                 Features
                                                                     Rates Effective 10/1/2012                           Provision                                                 Guarantee                Premium
                                                                                                                                                                                                                             Age
Guggenheim Life                   Preserve                                 $250K or more
                                                                                                       Less Than
                                                                                                         $250K
                                                                                                                 10%                          30 Day Window prior end of term                                               3 year Most States No MVA States              Full account
                                                                                                       2.00% Annually                                                                                                                                                    value at death.
  and Annuity                      MYGA                                                                                                            3 YR 7% 6% 5%
   Company
                                                     3-Year                  2.15%                                                                                                                        Qualified 0-80 1.00%                         1.00%
                                                     4-Year                  2.40%                     2.25% starting                           4 YR 7% 6% 5% 4%     87.5% of
                                                                                                                                                                  premium minus
                                                                                                                                                                                  $5,000                            81-85 0.75%                        0.75%               Surrender
                                                                                                               year 2                         5 YR 7% 6% 5% 4% 3%                                                                                                           Charges
 Indianapolis, IN                                    5-Year                  2.95%                     2.80%                                                       withdrawals,                                            86-90 0.50%                 0.50%
                                                                                                                                              6 YR 7% 6% 5% 4% 3%
                                                                                                                                                                  accumulated at                                                                                           waived. No
 B++ (Good) from                                     6-Year                  3.05%                     2.90%                                           2%          the Minimum                                              4 year Most0-
                                                                                                                                                                                                                                       States           No MVA States
                                                                                                                                                                                                                                                                          MVA applied.
    A.M. Best                                                                                                Monthly interest
                                                     7-Year                  3.35%                     3.20% as earned or                                           Guaranteed                                             0-80         1.75%          1.50%
                                                                                                                                              7 YR 7% 6% 5% 4% 3% Contract Rate    Non-
$5.90 Billion in                                     8-Year                  3.45%                     3.30% automatic RMD                                                                                                 81-85 1.31%                 1.15%
                      FIXED




                                                                                                               for qualified                         2% 1%         Currently 1%
 assets as of                                                                                                                                                                    qualified
                                                     9-Year                  3.55%                     3.40% plans starting                                                                                $10,000
                                                                                                                                                                                                                           86-90 0.88% 0.75%
   12/31/11                                                                                                       year 2                      8 YR 7% 6% 5% 4% 3%                                                           5-6-7-8-9 year No MVA States
                                                    10-Year                  3.65%                     3.50%                                        2% 1% 1%                                                                      Most States
                               Guggenheim Partners is a privately held global financial                                                                                                   No MVA States                    0-80 2.50%                  2.00%
                                                                                                                                              9 YR 7% 6% 5% 4% 3%                      DE, MO, OR, PA & WA
                               services firm with more than $160 billion in assets under                                                                                                                                   81-85 1.88%                 1.50%
Click here to learn                                                                                                                               2% 1% 1% 1%                                                              86-90 1.25%                 1.00%
    more about                       management. They are the Ultimate Parent of                                                                                                  This states have same interest
                                                                                                                                               10 YR 7% 6% 5% 4%                 rates as the standard version but         10 year Most States          No MVA States
   Guggenheim                  Guggenheim Life and Annuity Company, EquiTrust Life                                                              3% 2% 1% 1% 1%                     No Market Value Adjustment.
                                                                                                                                                                                                                           0-80 3.00%                  2.50%
Partners Parent of             Insurance Company, and Security Benefit Life Insurance                                                                 0.75%                       These states do have a slightly
                                                                                                                                                                                                                           81-85 2.25%                 1.90%
                                                                                                                                                                                   reduced commission than the
 Guggenheim Life                                      Company.                                                                                          MVA + or -                       standard version.                 86-90 1.50%                 1.25%
   and Annuity
                              DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to
    Company                   performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY


                                                                                                                                                                                                                                                         EquiTrust/Guggenheim 10/1/2012
                                                                                                                                                       October Spreadsheet                                                                                                        http://annuity1.com
            888.661.1999

                                                  Products                               Current Interest Rates Effective 8-10-12                                                           Surrender Charge
                                                                                                                                                                                                                              Minimum        Minimum        Iss. Age       Comm.         Features
                                                                                                                                                                                                                              Guarantee      Premium
                                               Sentinel                          Interest Rate Term                                        Guaranteed Rate
                                                                                                                                                                                                 5 Year
                                                                                                                                                                                         0-86: 9%,8%,7%,6%,5%
                                                                                                                                                                                                                                                               Personal Choice 5

                                               Plan™                                                                                                                                                                                                           0-80        2.25%
                                                                                                                                                 3.10%
                                                                                                                                                                                             89: 9% 5% 5% 5% 5% 4%
                                                                                             5 year
   Sentinel                                  Personal                                                                                                                                         90: 5% 5% 5% 5% 4%                                              81-90        1.50%
                                                                                                                                          Guaranteed yrs 1-5                                        7 Year                                    $ 2,500
 Security Life                                Choice
  Insurance                                                                                                                                                                            0-86: 9% 8% 7% 6% 5% 5% 5%                           Qualified or
  Company                                    Annuity™                                        7 year                                              3.20%                                     87: 9% 8% 7% 5% 5% 5% 5%
                                                                                                                                                                                                                                               Non-
                                                                                                                                                                                                                                             Qualified;
                                                                                                                                                                                                                                                               Personal Choice 7
                                                                                                                                                                                                                                                                                          No Agent
                                                                                                                                          Guaranteed yrs 1-7                                                                                                                             Commission
  Salt Lake City, UT
                                               An a la                                                                                                                                     88: 9% 8% 5% 5% 5% 5% 4%                           over $1          0-80        2.25%        Chargeback at
                                                                                                                                                                                                                                1.00%                         81-90        1.50%
                                                                                                                                                 3.45%
                                                                                                                                                                                           89: 9% 5% 5% 5% 5% 4% 3%                                                                     Death Ages 0-
                                                                                            10 year                                                                                                                                         million will
      B++
                                                 carte                                                                                                                                     90: 5% 5% 5% 5% 4% 3% 2%                           require
                                                                                                                                                                                                                                                                                             79!

                                                                                                                                         Guaranteed yrs 1-10                                                                                   home
                                               solution                                                                                                                                            10 Year                                     office
    A.M. Best                                                                Interest Rate Reductions for Optional Riders                                                           0-84: 9% 8% 7% 6% 5% 5% 5% 5%                            approval
                                                                                                                                                                                                                                                              Personal Choice 10
                                                 for a                                                                                                                                           5% 5%
                                                                                   Rider                                              Interest Rate Reduction                         85: 9% 8% 7% 6% 5% 5% 5% 5% 5% 4%          0-80           0-80           0-80        2.75%
                                                custom                                                                                                                                                                                                        81-90        2.00%
                             FIXED ANNUITY




                                                                     Accumulated Interest Withdrawal                                                  -0.08%                          86: 9% 8% 7% 6% 5% 5% 5% 5% 4% 3%
 Founded in                                    annuity               This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without              87: 9% 8% 7% 5% 5% 5% 5% 4% 3% 2%

   1957!                                                             Surrender Charge or Market Value Adjustment applied. Available after 30 days!                                    88: 9% 8% 5% 5% 5% 5% 4% 3% 2% 1%

                                                                     Required Minimum Distribution                                                    -0.16%                          89: 9% 5% 5% 5% 5% 4% 3% 2% 1%, 0% State Specific Instructions/Exclusions:
                                                                     This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without                                                 Oklahoma – issue ages limited to 80, maturity                  45 Day
                                                                                                                                                                                     90: 5% 5% 5% 5% 4% 3% 2% 1%, 0%,0%
                                                                     Surrender Charge or Market Value Adjustment applied.                                                                                                date age 90                                                     Rate
                                                                                                                                                                                                                         Nebraska – In no case will the Death Benefit be
 3.10%
                                                                     Preferred 10% Free Withdrawal                                                    -0.08%                         MVA Applies for rate guarantee term                                                                Lock!
                                                                     This rider allows you to withdraw in a contract year, without Surrender Charge or Market Value                                                      less than the premium paid.                                    Based on app
                                                                     Adjustment applied to your first withdrawal, up to 10% of your Contract Value (on a non-cumulative            Surrender Charges are based on Florida (Launched 10/13/11)– Death Benefit Equals                      signed date.
 Guaranteed                                                          basis) or your Required Minimum Distribution. You will not be entitled to a 10% free withdrawal on full
                                                                                                                                                                                               attained age.             Account Value Contract Rider is included on all
                                                                     surrenders. Ater the 1st yr
     5
     for                                                             Terminal Illness/Nursing Home Care                                               -0.15%                 Refer to the Agent Quick Sheet for
                                                                                                                                                                                                                             contracts at a 10 bps rider cost.
                                                                                                                                                                                                                             Minnesota (Launched 1/23/12)– Rates are 30-50
years with                                     3.10%
                                                                     This rider allows you to access some or all of your funds under certain conditions if you are diagnosed Details. Click here to view the
                                                                     with a terminal illness or confined to a nursing home.                                                  Standard Agent Quick Sheet
                                                                                                                                                                                                                             bps less, Doesn't have an MVA. Has different
                                                                                                                                                                                                                             Surrender charges
   5 year                                                            72 (t) Free Withdrawal                                                           -0.05%                       Click here to view FL Agent Quick Sheet
                                                                                                                                                                                                                             Important Note: Death Benefit Rider is Required
                                             Guaranteed
 Surrender!                                                          For contract owners younger than 59 ½ years of age, this rider allows for withdrawal of Substantially Equal
                                                                                                                                                                                   Click here to view MN Agent Quick Sheet   on all contracts where the Annuitant is 86-90
                                              for 5 years            Periodic Payments under IRS Code 72t without Surrender Charge or Market Value Adjustment Applied.
                                                                                                                                                                                                                             Current State Approvals as of April 1st 2012:

 3.45%
                                                                                                                                                                                                                             Approved States: AZ, CO, CA, FL, HI, ID, IA, KS, MN, MT,
                                              with 5 year Death Benefit = Account Value                                                               -0.35%                       Click here to view OK Agent Quick Sheet
                                                                                                                                                                                                                             NE, NV, NM, NC, ND, OK, OR, SD, TX, UT, WY
                                              Surrender! This rider ensures that upon the death of the Annuitant, the death benefit paid will                                                                                Pending Approval in: LA,WA
Guaranteed             for                                           be equal to the Total Contract Value, and any Withdrawal, Surrender Charge, or                                Click here to view UT Agent Quick Sheet
                                                                                                                                                                                                                             State Variations in CA, FL, OK, OR, MN, NV, TX, &
 10 years                                                            Market Value Adjustment will be waived. If clients do not elect this rider the death
                                                                     benefit is equal to the cash surrender value lump sum or Accumulation value if
                                                                                                                                                                                   Click here to view TX Agent Quick Sheet   UT
  with 10 year                                                       Beneficary takes death proceeds over 5 year period in equal installments.
                                                                                                                                                                                   Click here to view OR Agent Quick Sheet
  Surrender!                                                                                                                                                                       Click here to view CA Agent Quick Sheet
                                             "Build Your Own Product" The Sentinel Personal Choice Annuity is both a single premium deferred annuity and a flexible wealth accumulation vehicle. It gives you the opportunity to maximize credited interest rate at the beginning of each Rate
                                             Guarantee Period by declining optional rider features that you may not need. Most products are loaded down with features that many clients don't want and never use. By declining all the riders except those your clients will actually use they get
                                             the maximum credited rate possible and the features they want. You can full customize this product to your client specific needs thus maximizing the value for your client.


                                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult
                                             the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and
                                             Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                               Sentinel Security Life Insurance Company 10/1/2012
                                                                                                                                           October Spreadsheet                                                                                                                                              http://annuity1.com
              888.661.1999
                                                                Current Interest Rates
                                                                                                               Withdrawal                    Surrender                  Minimum                   Minimum
                                 Products                                                                                                                                                                                   Issue. Age                     Commission                                 Features
                                                                 Effective 9/22/2012                           Provision                      Charge                    Guarantee                 Premium
                                                                                            Less Than                                           3 Years
                                                               $100K or more                                                                                                                       $50,000               Owner:                               Choice 3
                                                                                              $100K
                                Choice 3                                                                                                        8, 7, 6%
                                                                                                                                                                                                                         16-99 non-
                     FIXED

                                                                                                             Accumulated
                                                                                                                                               NO MVA !                                                                                                 0-75              1.50%
                                 SPDA                             1.10%                     1.00%              Interest                                                     1.00%
                                                                                                                                                                                                 $300,000 Max
                                                                                                                                                                                                Premium without
                                                                                                                                                                                                                         qualified                                                           Full Contract
                               FormSeries 1021                                                                                         30 day window at the end                                                                                         76-85             1.00%
Royal Neighbors of                                                                                                                          of the 3 yr term
                                                                                                                                                                                                  Home Office
                                                                                                                                                                                                   Approval                                                                                 Value at Death
     America                                                                                                                                                                                                             16-85 Roth                           Choice 5
                                                                                                                                               5 Years                                                                   &Traditional
                                                                                                                                                                                                   $10,000
   over $792                   Choice 5                                                                                                   8.5, 7.5, 7, 6, 4%                                                             IRA*                                  0-75       2.00%
                     FIXED




                                                             1.75% Guaranteed                                Accumulated                                                                                                                           $100K+
    Million
                                SPDA                                                                                                         NO MVA !                                                                                                        76-85        1.70%
                                                                                                               Interest                                                     1.00%             $300,000 Max Premium
   in Assets                   FormSeries 1022                    yrs 1-5                                                                                                                      without Home Office
                                                                                                                                                                                                     Approval            21-85 SEP                 $10K to 0-75           1.75%
                                                                                                                                                                                                                                                   $99.9K 76-85           1.45%
  as of 12/30/11                                                                                                                                                                                                         IRA*
                                                          $100K or         $20,000 -        Less Than                                           6 Years
                                Choice 6                    more            $99,999           $20K
                                                                                                                                                                                                    $5,000                                                    Choice 6
                                                                                                                                          8.5, 7.5, 7, 6, 5, 4.5%


    A-
                     FIXED




                                                                                                             Accumulated                                                                                                 Annuitant:
                                 SPDA                                                                                                          NO MVA !                                                                                                        0-75       2.75%
                               FormSeries 1022            1.65% 1.60% 1.00%                                    Interest                                                     1.00%             $300,000 Max Premium
                                                                                                                                                                                               without Home Office
                                                                                                                                                                                                                         0-85 non                  $20K+
                                                                                                                                                                                                                                                             76-85        1.45%
                                                                                                                                                                                                     Approval            qualified
  Excellent                                                                                                                                                                                                                                        $5K to 0-85
                                                                                                                                                                                                                                                                          1.45%
  A.M. Best                  SteadyChoice                                                                     10% of the      10-year:                                                        $100/month (if             Owner:                    $19.9K
                                                                                                                                                                                                                         16-75 non-qualified
                                FPDA                                                                         accumulation 10, 9, 8, 7, 6, 5,                                                          PAC),              16-75 Roth &Traditional
                                                                                                                                                                                                                                                         SteadyChoice                      Surrender Charges waived
 Founded
                                                                      3.00%                                    value in a     4, 3, 2, 1                                 3.00%                      or
                             FormSeries 200821                                                                                                                                                                           IRA*                                                                for nursing home and
 in 1895!                                                                                                      certificate                                                                      $1,200/year              21-75 SEP IRA*                                                     hospital confinement of
                     FIXED




                                                                                                                  year
                                                                                                                                                                                                                         Annuitant:
                                                                                                                                                                                                                         0-99 non qualified
                                                                                                                                                                                                                                                      0-75              5.00%              owner, terminal condition
                                                                                                                                               NO MVA !                  Minimum                                                                                                                      where
                                                                                                                                                                                                   Max.                  Maximum issue age is 59
                                                                                                                                                                                                                                                      Add'l
                                                                                                                                                                        Guaranteed
                                                                                                                                                                                               $25,000/year              in IA, MN and OH
                                                                                                                                                                                                                                                   Premium              2.25%              the owner in not expected
                                                                                                                                                                           Rate                                                                                                               to live more than 12
                                                                                                                                                                                                                                                   s yrs 2-10                                        months
                                                                Current Interest Rates                         Withdrawal                    Surrender                  Minimum                   Minimum
                                 Products                                                                                                                                                                                   Issue. Age                     Commission                                 Features
                                                                 Effective 5/01/2012                           Provision                      Charge                    Guarantee                 Premium
                                                                                         Min
                                                                                                                                                                         Minimum
                                                          Premium
                                                                         Current Rate Guaranteed              Free Withdrawals                  9 Years1                                                                                               Commission is the                     Death Benefit:
                             ChoiceFour™                   Bonus                                                                                                        Guaranteed
                                                                                         Rate
                                                                                                             Prior 12 months             12,11,10,9,8,7,6,4,2%          Rate: 2.00%                                                                   same regardless of                     Upon death of
   EquiTrust Life                                            N/A            2.50%            2.00%                                                                                                                                                    which option is sold.
Insurance Company              (Base Contract)                                                                   interest                        No MVA                    Minimum                                                                                                                Owner,
   Des Moines IA
                             ChoiceFour™
                                                            4.04% Guaranteed 1st yr Yield                                                       9 Years1                 Guaranteed                                                                                                           Accumulation
                                                                                                                                                                        Contract Value
B++ (Good) from
                                                           1.50%            2.50%            2.00%
                                                                                                             Prior 12 months             12,11,10,9,8,7,6,4,2%
                                                                                                                                                                           100% of                                                                     0-80            5.50%                       Value
                     FIXED




   A.M. Best                    (MVA Option)                                                                     interest                       MVA + or -                                         $10,000
                                                                                                                                                                           premium
                                                                                                                                                                                                   NQ or Q
                                                                                                                                                                                                                                 0-85                                                          ----------------
                                                                                                              Interest only 1st                 6 Years     2
                                                                                                                                                                            minus                                                                       81-85             4.13%
$7.36 Billion in             ChoiceFour™                                                                    contract year,** 10%
                                                                                                                                             12,11,10,9,8,7%             withdrawals,                                                                                                        Nursing Home
 assets as of                                                N/A            2.00%            2.00%            of Account Value
                              (Liquidity Option)                                                                  years 2+.                      No MVA
                                                                                                                                                                         accumulated
                                                                                                                                                                                                                                                                                                  Waiver
   12/31/10                                                                                                                                                                  at the
                             ChoiceFour™
                                                            3.53% Guaranteed 1st yr Yield                     Interest only 1st
                                                                                                            contract year,** 10%
                                                                                                                                                6 Years2                   Minimum                                                                                                               Available
                                                                                                                                                                         Guaranteed
                                                           1.50%            2.00%            2.00%            of Account Value               12,11,10,9,8,7%
                                                                                                                                                                        Contract Rate
                                                                                                                                                                                                                                                                                              through issue
                              (Liquidity & MVA                                                                    years 2+.                     MVA + or -
                                   Option)                2.38% Min. Guaranteed 6 yr Yield
                                                                                                                                                                                                                                                                                                  age 80
                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index
                                                                                                                                                                                                                                      1
                             Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY               Surrennder Charge Variations in Fl and NV: (FL: 10%, 10%, 10%, 9%, 8%, 7%,
                                                           6%, 4%, 2%, 0%; NV: 9%, 8%, 7%, 6.5%, 5.5%, 4.5%, 3.5%, 2.5%, 1.5%, 0%) 2 Surrennder Charge Variations in Fl and NV: (FL: 10%, 10%, 10%, 9%, 8%, 7%, 0%; NV: 9%, 8%, 7%, 6.5%, 5.5%, 4.5%, 0%)




                                                                                                                                                                                                                                                                                  Royal Neighbors/EquiTrust 10/1/2012
                                                                                                                                                              October Spreadsheet                                                                                                                                                           http://annuity1.com
               888.661.1999
                                                                                                         Rates Effective 10/1/2012                                                  Withdrawal                  Surrender                    Minimum                                            Iss.
                                                                                                                                                                                                                                                                         Minimum
                                                           Products                                                                                                                 Provision                                                                            Premium
                                                                                                                                                                                                                                                                                                               Comm.              Features Rev. 6-7-12
                                                                                                        (Rates Subject to Change)                                                                                Charge                      Guarantee                                          Age
                                                                                          S&P 500® Annual Point-to-Point Cap                                   4.60%              Interest only                Most States                                                                           Most States
                                                                SPDA                                                                                                              1st contract                                                                          Min.
                                                           Enhanced                      S&P 500® Monthly Point-to-Point Cap                                   2.30%                 year**                       12 Year                                                        0 -75  7.00% Full Value at Death
                              FIXED INDEX ANNUITY
                                                                                                                                                                                                                                                                       $5,000
Athene Annuity &                                           Choice 12                                                                                                                                      14,13,12,11,10,9,8,7,6,
                                                                                                                                                                                                                                     87.5% of
                                                                                                                                                                                                                                                                       NQ/Q
                                                          Fixed Index                     DJIA Quarterly Point-to-Point Cap                                    2.05%                                             5,4,3%
                                                                                                                                                                                                                                  premium minus
                                                                                                                                                                                                                                                                                 76-80 4.00% Enhanced Guaranteed
   Life Assurance                                                                                                                                                                    10.00%                                         withdrawals,                      $1 Million                 Lifetime Withdrawal
      Company                                               Annuity                                                                                                                 of Account                                    accumulated at                        Max
                                                                                         DJIA Monthly Average Annual Cap                                       5.00%                                                                                                                                 Benefit Rider
    Wilmington,
      Delaware
                                                          5.00%                                                                                                                        Value
                                                                                                                                                                                     years 2+
                                                                                                                                                                                                                CA Only
                                                                                                                                                                                                                12 Year
                                                                                                                                                                                                                                   the Minimum
                                                                                                                                                                                                                                    Guaranteed
                                                                                                                                                                                                                                                                      Premium
                                                                                                                                                                                                                                                                       without       CA Only
                                                                                                                                                                                                                                                                                                 (1.50 bps rider cost)

  B++ (Good) from                                       Premium                                            Fixed Account                                       1.35%                                      12,11,10,9,8,7,6,5,4,3,
                                                                                                                                                                                                                                   Contract Rate
                                                                                                                                                                                                                                                                     Home Office 0 -75  6.00% 1.00% Immediate Income
     A.M. Best                                           Bonus                                                                                                                                                    2,1%                                                Approval   76-80 3.00% Bonus to the Income Base.
                                                                                                                                                                                                                  MVA + or -
                                                                SPDA                   S&P 500® Annual Point-to-Point Cap                                      5.10%                                           Most States                                              Min.         Most States                                   7.00% Annual
 $4.99 Billion in                                          Enhanced                      S&P 500® Monthly Point-to-Point Cap                                   2.55%                Interest only               8 Year                                                 $5,000    0 -75     5.50%                                  Compounded Roll
                               FIXED INDEX ANNUITY




                                                           Choice 8                      DJIA Quarterly Point-to-Point Cap                                     2.30%                1st contract                                                87.5% of
                                                                                                                                                                                                                                                                       NQ/Q      76-80 2.50%
  assets as of                                                                                                                                                                                                10,9,8,7,6,5,4,2%
                                                                                                                                                                                                                                             premium minus                                                                           up for 10yrs
                                                          Fixed Index                                                                                                                  year**
       12/31/10                                                                          DJIA Monthly Average Annual Cap                                       5.00%                                                                           withdrawals,           $1 Million
                                                            Annuity                                                                                                                                                                                                     Max                                                      50% Increase in Income
                                                                                                                                                                                      10.00%                CA & WA Only                     accumulated at                       CA & WA Only
 Our parent company,                                      2.00%                                            Fixed Account                                       1.60%                 of Account                8 Year
                                                                                                                                                                                                                                              the Minimum
                                                                                                                                                                                                                                               Guaranteed
                                                                                                                                                                                                                                                                      Premium
                                                                                                                                                                                                                                                                       without
                                                                                                                                                                                                                                                                                 0 -75     4.75%
                                                                                                                                                                                                                                                                                                                                    Payments if client
                                                                                                                                                                                                                                                                                                                                   cannot perform 2-6
 Athene Holding Ltd.,                                                                                                                                                                   Value
                                                        Premium                                                                                                                                                9,8,7,6,5,4,3,2%               Contract Rate
                                                                                                                                                                                                                                                                     Home Office 76-80 1.75%                                     ADL's     Available after
  has $500 million of                                                                                                                                                                 years 2+
                                                                                                                                                                                                                                                                      Approval    0-                                                        the 5th year
  capital and surplus                                    Bonus
 supporting $6 billion                                                                                            7 Year Rate Guarantee                                              10% Free                       7 Year
                                                                                                                                                                                                                                                                       Min.$5,000 NQ/Q
                                                                                                                                                                                                                                                                                                     Most States                    Full Value at
                                                          7 MYG
                             FIXED ANNUITY




                                                                                                                                                                                                                                                                        $1 Million Max
  in reserves. Athene                                                                                                                                                              Withdrawal
   puts "safety first" by                             Single Premium                       2.74% Effective Annual Rate Guaranted for 7 years                                       after the first              7,7,7,6,5,4,3%
                                                                                                                                                                                                                                               1.00% Min
                                                                                                                                                                                                                                                                    Premium without Home
                                                                                                                                                                                                                                                                        Office Approval
                                                                                                                                                                                                                                                                                               0 -75          2.75%                    Death
investing in a diversified                            Deferred Annuity                                                                                                                 year.                                                 Renewal after
                                                                                                                                                                                                                                                                     Additional Deposits
                                                                                                                                                                                                                  MVA + or -                                         accepted during the       76-80          1.50%
portfolio of highly-rated,                                                                                        3.60% 1st year                                                     Systematc
                                                                                                                                                                                  withdrawals are
                                                                                                                                                                                                                                              the 7yr rate              1st yr. (up to 5
                                                                                                                                                                                                                                               guarantee                   deposits)
   liquid, fixed income                                                                                                                                                           available after
                                                                                                                                                                                                                                                                                                  0-            0-80
   securities that is 99                                                                                        2.60% Years 2-7                                                    the first year
   percent investment
  grade. Managing net                                                                                             5 Year Rate Guarantee                                                NO free                      5 Year                                          Min.$5,000 NQ/Q                   MaxRate 5                         Death Benefit
                                                                                                                                                                                    withdrawals                                                                         $1 Million Max
 investment spreads —                                     ATHENE                                                                                                                    outside of the
                                                                                                                                                                                                                   9,8,7,6,5%
                                                                                                                                                                                                                                              1.00% Min             Premium without Home       0 -75          2.25% The beneficiary will be
 producing returns that
                                                         Max Rate                                                                                                                  30-day window                  MVA + or -                                           Office Approval         76-80          1.50% paid the Accumulation
                                                                                                      2.75% Guaranteed yrs 1-5
                             FIXED ANNUITY




   exceed benchmarks
                                                                                                                                                                                                                                               Renewal                Additional Deposits                                        value as of the date of
                                                                                                                                                                                  (free out period)
     while maintaining                                       MYGA                                                                                                                  prior to the end                                            after the            accepted during the 1st
                                                                                                                                                                                                                                                                                                                                 death. State variations
                                                                                                                                                                                        of the                      7 Year                                            6 months. (up to 5              MaxRate 7
  portfolio quality — is                                                                                                                                                                                                                      Intial rate                                                                             may apply.
                                                                                                                                                                                      guarantee                 9,8,7,6,5,4,3%                                             deposits)
                                                                                                                                                                                                                                                                                               0 -75          2.50%
      Athene's core                                                                                                                                                                                                                           guarantee
                                                                                                                  7 Year Rate Guarantee                                                 period                    MVA + or -                                                                   76-80          1.70%
competency. You should                                                                                                                                                                                                                           term
                                                       Click here to view
 also know that Athene
                                                      the MaxRate agent
     Annuity is solely                                       guide                                    3.20% Guaranteed yrs 1-7                                                   This annuity is a designed for Maximum Interest Rate and will not be appropriate for every client; the Target Client is one:
    responsible for its                                                                                                                                                          • Looking for a safe place to accumulate money.
  financial obligations.                                                                                                                                                         • Client seeking highest guaranteed interest rate available and Willing to trade liquidity for the opportunity to earn a higher rate of return.
                                                                                                                                                                                 • Comfortable with locking in money for the length of the duration selected or longer. • Doesn’t want to pay for additional benefits that may never be used.

                                                     DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
                                                     administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                                                                                Athene 10/1/2012
                                                                                                                                                        October Spreadsheet                                                                                                                                                         http://annuity1.com
              888.661.1999
                                                                                           Rates Effective 6/1/2012                                                            Withdrawal                    Surrender                      Minimum                     Minimum            Iss.
                                                 Products                                                                                                                                                                                                               Premium
                                                                                                                                                                                                                                                                                                            Comm.                      Features
                                                                                         (Rates Subject to Change)                                                             Provision                      Charge                        Guarantee                                      Age
                                                                                                                                  Par Rate           Spread         Cap  Systematic                                                                                                           Most States
                                                                                                                                                                           monthly      10 Year (0-85)                                                                                                                                     Full
                                                                       Monthly Averaging, S&P 500 w/o Cap       ®
                                                                                                                                  50.00%            3.00%            n/a
                                                                                                                                                                           interest
                                                                                                                                                                                                                                           GMV: The GMV                                   0 - 80         8.25%
                                                                                                                                                                                                                                                                                                                                Accumulation
                         FIXED INDEX ANNUITY
                                                                                                                                                                                                                               equals 100% of
                                                    Future                   Point-to-Point, NASDAQ–100®                                                                  income is
                                                                                       without Cap
                                                                                                                                  30.00%            3.00%          n/a
                                                                                                                                                                       available after 11.6%, 10.7%, 9.9%,
                                                                                                                                                                                                                             premiums less any                 81-85       6.50%                                                Value death
                                                   Provider                                                                                                                            9%, 8.1%, 7.2%, 6.3%,                 partial surrenders,
                                                                                                                                                                       30 days from
Americo Financial Life                           (Non Bonus             Point-to-Point, S&P 500® without Cap                      32.00%            3.00%          n/a  the declared
                                                                                                                                                                                         5.3%, 4%, 2%, 0%                    accumulated at an
                                                                                                                                                                                                                            annual effective rate             86-90 3.00%                                                         benefit
and Annuity Insurance                              Version)
                                                                                                                                                                           interest      5 Year (86-90)                      of 2% for 13 years               FL, WA, CT, NJ, MN, UT, TX
      Company                                   Fixed Index
  Kansas City, MO.                                                        Point-to-Point, S&P 500® with Cap                      100.00%            0.00%        3.00% account as a 7%, 6%, 5%, 4%, 2%,                      and 3% thereafter,       Min.
                                                  Annuity                                                                                                                          current                                     less surrender      $2,000, Q   0 - 80        7.00%
                                                                                                                                                                                                          0%
                                                                                                                                                                                 company                                      charges and any $5,000, NQ                                                                     All Future Provider and Future
                                                                                                                                                                                              State specfic versions in FL,                                    81-85         6.00%                                           Provider Bonus annuities issued
                                                                                                                                                                                  practice.                                 applicable premium ------------
  A- (Excellent)                                                          Point-to-Point, S&P 500® The EZ option EZ Option Rate                            2.70%
                                                                                                                                                                                               WA, CT, NJ, MN, UT, TX
                                                                                                                                                                                                                                      tax.         Minimum 86-90
                                                                                                                                                                                                                                                   Additional
                                                                                                                                                                                                                                                                           3.00%                                             on or after April 2, 2012, will
                                                                                                                                                                                                                                                                                                                             now chargeback for death in the
  from A.M. Best                                                             Declared Interest Option                             1.00%                                         Each year,
                                                                                                                                                                                                      NO MVA
                                                                                                                                                                                                                                                   Premium                                                                   first contract year. Click on the
                                                                                                                                  Par Rate           Spread         Cap                              10 Year                                        $1,000        Most States                                                link below for more information.
                                                    Future                                                                                                                      10% of the
A- Strong from S&P                                 Provider
                                                                       Monthly Averaging, S&P 500® w/o Cap                        45.00%            3.00%            n/a       Accumulation
                                                                                                                                                                                              15%, 14.2%, 13.3%,
                                                                                                                                                                                                                              GMV: The GMV          allowed    0 - 80                                     6.25%
                         FIXED INDEX ANNUITY




                                                                                                                                                                                                                               equals 100% of     each month
                                                                             Point-to-Point, NASDAQ–100®                                                                       Value may be 12.5%. 11.6%, 10.7%,                                                                                                             Commission Chargeback
                                                    Bonus                              without Cap
                                                                                                                                  26.00%            3.00%            n/a
                                                                                                                                                                                 withdrawn                                   premiums less any $1M Max         81-85       5.00%                                             Notice
                                                                                                                                                                                             9.9%, 8%, 6%, 4%, 0%                                     W/O
                                                    (Bonus              Point-to-Point, S&P 500® without Cap                      30.00%            3.00%            n/a        penalty-free                                 partial surrenders,
   $5.9 Billion in                                 Version)                                                                                                                                                                  accumulated at an     Approval
                                                                                                                                                                                    1st yr
   assets as of                                                                                                                                                                                       NO MVA                annual effective rate             FL & TX Version                                                    100% Waiver of
     12/31/09                                    4.00%                    Point-to-Point, S&P 500® with Cap                      100.00%            0.00% 2.60%                                                                           of 2% for 13 years
                                                Premium                                                                                                                                                                                  and 3% thereafter,
                                                                                                                                                                                                                                                                                           0 -50          6.25%                 Surrender Charge
                                                                                                                                                                                                                                                                                                                                       Upon
                                                 Bonus!
                                                                                                                                                                                                                                            less surrender                                51-80            4.00%                 Nursing Home or
                                                                                                                                                                                                        State specfic version              charges and any
                                                 Vested
                                                                          Point-to-Point, S&P 500® The EZ option EZ Option Rate                            2.40%
                                                                                                                                                                                                            in TX and FL                 applicable premium
                                                                                                                                                                                                                                                                                          81-85
                                                                                                                                                                                                                                                                                           0-              3.00%               Hospital Confinement
                                                                                                                                                                                                                                                  tax.
                                                                                                                                                                                                                                                                                                                                  Endorsement
                                                  Day 1
                                                                             Declared Interest Option                             1.00%
                                                                                                                                                                               Withdrawal                    Surrender                      Minimum                     Minimum            Iss.           Comm.
                                                 Products                        Current Interest Rates Effective 6-1-2012                                                                                                                                                                                                             Features
                                                                                                                                                                               Provision                      Charge                        Guarantee                   Premium            Age          Rev. 5-22-12



  Bankers Life                                                                                                                                                                   10% FREE             5 year                                                                                                                        Full
Insurance Company                                                                                                                                                               withdrawals
                                                                                                                                                                                                                                                                                                          2.50%                Accumulation
                                                                           2.75% Guaranteed for 5 Years
                                                 5 Year Tax                                                                                                                     after the first  9%, 8%, 7%, 6%, 5%                              1.50%                  $10,000           0 - 80
                         FIXED ANNUITY




 St. Petersburg, FL
                                                  Deferred                                                                                                                     year, without a
                                                                                                                                                                                                      then 0%
                                                                                                                                                                                                                                                                        qualified
                                                                                                                                                                                                                                                                                          81-85            1.50%
                                                                                                                                                                                                                                                                                                                                Value death
                                                  Annuity                                                                                                                        withdrawal                                                                             or non-
   B A.M. Best                                                                                                                                                                     charge.                                                                              qualified            0-              0-80                 benefit
                                                   SPDA-5
                                                                                                                                                                                Systematic
    Stable outlook
                                                                                                                                                                                  monthly                   NO MVA                                                                                 Commissions
                                                                                                                                                                                                                                                                                                       will not                NURSING CARE
   Founded in 1973                                                                                                                                                                interest                                                                                                       be paid until policy
                                                                                                                                                                                 income is
                                                                                                                                                                                                NO 30 DAY WINDOW                                                                                 receipt is received              WAIVER
                                                                                                                                                                                                                                                                                                   at home office
                                                                                                                                                                               available after
                                                                                                                                                                                  30 days                                                                                          24 Hour Application Processing!
                                                                                                                                                                                                                                                                                      Commissions Paid Daily!
                                               DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
                                               administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                                            Americo/Bankers Life 10/1/2012
                                                                                                                                          October Spreadsheet                                                                                                                                                http://annuity1.com
            888.661.1999
                                                            Current Interest Rates
                                                                                                          Withdrawal                                                                                Minimum                     Minimum
                                Products                                                                                                         Surrender Charge                                                                                       Iss. Age             Comm.                        Features
                                                              Effective 8/15/2012                         Provision                                                                                 Guarantee                   Premium
                  FIXED        Bankers                                                                 100% Liquid; must
                                                                                                                                                                                                                                                         Bankers Accumulator
                                                                                                                                                                                                                                                                                                    NO Commission
                                                                                                       maintain $10,000.00
                             Accumulator                               1.00%                            Minimum Account                                     NONE                                                                                                                                     Chargebacks!
                                                                                                              Value                                                                                                                                               0-80        0.50%                Full Contract Value at
                                                                                                                                                                                                        1.00%                    $10,000
                             Bankers 1                                 1.10%                                                                                1 Year                                                                                                            0.40%                        Death
                  FIXED



                                                                                                                                                                                                                                                              81-100
LIBERTY BANKERS
      LIFE                                                                                                                                             5% NO MVA
                                                                                                                                                         3 Years
                                                                                                                                                                                                                                                                 Bankers 3
                  FIXED




    (LBL)                                                                                                                                                8, 7, 6%
   over $1.1                 Bankers 3                                 1.60%                                                                        +/- MVA 1st 3 Yrs                                                                                            0-80         2.00%
                                                                                                                                                                                                                                                                                                 Full Contract
                                                                                                                                                                                                        1.00%                    $10,000
  inBillion
     Assets                                                                                                                                           (No MVA-PA)                                                                                               81-90         1.00%             Value at Death
 as of 12/30/09                                                                                                                                          5 Years
                                                                                                                                                                                                                                                                 Bankers 5
                                                                                                                                                      8, 7, 6, 5, 4%
                  FIXED




                             Bankers 5                                                                                                                                                                                                                                                                  NO
                                                                       2.35%                                                                        +/- MVA 1st 5 Yrs                                                                                             0-80        3.25%
                                                                                                                                                                                                        1.00%                    $10,000                                                            Commission
     B-                                                                                                   Monthly                                      (No MVA-PA)                                                                                              81-90         1.50%
                                                                                                                                                                                                                                                                                                    Chargebacks!
    A.M. Best                                                                                             Interest                                       5 Years                                                                     0-80
                             Bankers 5                            2.65%                                 Only After 30                               8, 7, 6, 5.5, 4.5%                                                                                    Bankers Premier
                  FIXED




 Founded                                                                                                    Days                                    +/- MVA 1st 5 Yrs                                                                                        0-80  2.00%
                              Premier                                                                                                                                                                   1.00%                    $10,000
                                                           Guaranteed 5 years                                                                         (No MVA-PA)                                                                                           81-90  0.40%
 in 1958!                                                                                                                                                                                                                                                                                                  Nursing
                                                                                                                                                                                                                                                                                                            Home
                                                                                                                                                        5 Years                                                                                          Bankers Premier
                                                                                                                                                                                                                                                                                                            Waiver
                             Bankers                                                                                                                                                                                                                            Plus
                  FIXED




                                                               1st Year              Years 2-5                                                  8.1, 7.3, 6.4, 5.5, 4.5%                                                                                                                                     and
                           Premier Plus                         3.45%                  2.45%                                                      +/- MVA 1st 5 Yrs                                                                                          0-80   2.00%                                  Disability
                                                                                                                                                                                                        1.00%                    $10,000
                                                                                                                                                     (No MVA-PA)                                                                                            81-90   0.40%                                   Waiver

                                                                                                                                                            7 Years

                              Bankers 7                           2.90%                                        100%
                                                                                                           All Accrued
                                                                                                                                                           Ages 56+:
                                                                                                                                                   8, 7, 6, 5, 4.5, 3.5, 2.5%
                                                                                                                                                                                                                                                        Bankers 7 Premier
                                                                                                                                                                                                                                                                              2.15%              Full Contract
                  FIXED




                                                                                                         Interest Twice                                                                                                                                            0-80
                               Premier                                                                                                                                                                  1.00%                    $10,000
                                                           Guaranteed 7 years                               per year
                                                                                                        Monthly Interest
                                                                                                                                                          Ages 0-55:                                                                                             81-85        0.40%             Value at Death
                                                                                                                                                    12, 11, 10, 8, 6, 5, 4%
                                                                                                       Only After 30 Days
                                                                                                                                                      +/- MVA 1st 7 Yrs
                                                                                                                                                          (No MVA-PA)
                                                                                                                                                            7 Years
                                                                                                                                                                                                                                                           0-80
                                                                                                               100%
                                                                                                                                                                                                                                                                 Bankers 7
                                                                     2.60%                                 All Accrued                      Ages 56+: 8, 7, 6, 5, 4.5, 3.5, 2.5%
                                                                                                                                                                                                                                                                                                 Full Contract
                  FIXED




                                                                                                         Interest Twice
                             Bankers 7                                                                                                       Ages 0-55: 12, 11, 10, 8, 6, 5, 4%                                                                                    0-80       4.00%
                                                           Guaranteed 7 years
                                                                                                            per year
                                                                                                        Monthly Interest                              +/- MVA 1st 7 Yrs                                                                                          81-85        2.00%             Value at Death
                                                                                                       Only After 30 Days                                (No MVA-PA)

                            Liberty USA                       8.25% Premiums
                                                                                                                100%
                                                                                                            All Accrued
                                                                                                                                                            9 Yrs
                                                                                                                                       Ages 0-55: 16, 15, 14, 13, 12, 11, 10, 9, 8%
                                                                                                                                                                                                     3.00%                                                 Liberty USA 500                       Full Contract
                                500                                   100,000+:                           Interest Twice
                                                                                                                                       Ages 56-79: 13, 12, 11, 10.5, 9.5, 8.5, 7.5,                                                                                                             Value at Death
                                USA500-0908               (Includes 5.25% 1st Year Bonus)
                                                                                                             per year
                                                                                                         Monthly Interest
                                                                                                                                                       6.5, 5.5%                                    Minimum                      $10,000                   0-70 3.50%
                  FIXED




                                                                                                                                                   +/- MVA 1st 9 Yrs                               Guaranteed
                                                          8.00% Premiums 10,000-                        Only After 30 Days
                                                                                                                                                                                                      Rate                                                71-79 1.50%
                                                                       99,999:
                                                          (Includes 5.00% 1st Year Bonus)
                                                                                                                                                                                                               3.58% Min. Guaranteed 9yr Yield
                          DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index
                          Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                                                                           Liberty Bankers Life 10/1/2012
                                                                                                   October Spreadsheet                                                                                                                    http://annuity1.com
             888.661.1999
                                                         Current Interest Rates                   Withdrawal                                                   Minimum                             Minimum      Iss.
                                Products                                                                     Surrender Charge                                                                                           Comm.               Features
                                                        Rates Effective 3/27/2012                 Provision                                                    Guarantee                           Premium      Age

                                                                  5 Year                                                     5 Years                                                                           Standard Version
                                                                                                                                                          Minimum Guaranteed
                                                   2.30% Guaranteed for 5 yrs                                                                                   Interest:                                       0-75    3.00%
                                                                                                  Interest Only.    9, 8, 7, 6, 5% + or - mva               Currently 2.00%
                                                                                                                                                                                                                                                Full
                                                                                                   Systematic                                                                                       $10,000
  Des Moines, IA               Guarantee Series          5 Year Non MVA Version                    W/D & RMD                                              MGIR is set at issue,                                76-80    2.00%                 Contract
                                                                                                                                                                                                    Q or NQ                                Value at Death
                             SPDA-MYGA*MVA and                                                                                                         guaranteed for life of the
                                                          CA, DE, MN, PA, & WA
     A-                           NO MVA                                                          Immediately.3        NON MVA Version
                                                                                                                                                       contract and is based on
                                                                                                                    available in: CA, DE, MN,
                                                    1.80% Guaranteed for 5 yrs                                                  PA
                                                                                                                                                        the 2 month average of                                 NON MVA Version
                     FIXED




                                                                                                                                                          the 5 Year Constant
   Excellent                                                                                                                 7 Years                   Maturity Treasury Rate in                                0-75    2.50%
                                                                                                                                                                October
                                                                                                                                                                                                                                    Nursing Care Rider NCR-
  A.M. Best                                                       7 Year                                           9, 8, 7, 6, 5%, 4% 3% +
                                                                                                                                                                                                               76-80    1.50%                  3
                                                                                                                             or - mva
 $26.42 Billion in
  Assets under                                     2.70% Guaranteed for 7 yrs
manangement as of
December 30, 2010                                        7 Year Non MVA Version                                        NON MVA Version
                                                                                                                    available in: CA, DE, MN,
                                                            CA, DE, PA, & MN                                                    PA

                                                    2.20% Guaranteed for 7 yrs
                                                          Current Interest Rates                   Withdrawal                                                   Minimum                             Minimum     Iss.
                                Products                                                           Provision
                                                                                                                      Surrender Charge                                                                                   Commissions                Features
                                                         Rates Effective 8/9/2012                                                                               Guarantee                           Premium     Age

      A+
                                                                                                                                                                                                                        Commissions in most
                                                   Rate                                Low                         3 Year 10%, 10%,10%
                                                                  High Band                                                                                                                                                   states
                                                   Guar                                Band                        4 Year 10%, 10%,10%, 10%                                                                                2.50% 0-80
(Superior) by
                                                   Term                               less than
  A.M. Best                                                          $200K+
                                                                                           Current year
                                                                                        $200K
                                                                                                                   5 Year 10%, 10%,10% 10%,10%                                                                            1.88% 81-85              Full Value
                                                  3-YEAR      Closed to new sales 2-24-12    interest              6 Year 10%, 10%,10% 10%,10%,9%        1.00% MINIMUM GUARANTEED                                         1.25% 86-90               at Death
“A+” (Strong)                                     4-YEAR           1.30%          1.00%    withdrawals             7 Year 10%, 10%,10% 10%,10%,9%,8%
                                                                                                                                                       CONTRACT VALUE (MGCV) The MGCV
                                                                                                                                                        equals 100% of the premiums, less any
                                                                                          available after                                                                                           $10,000
                     FIXED




 by Standard &                                    5-YEAR                                                                                                    withdrawals (before any Interest
                                                                                                                                                                                                               0-90
    Poor’s.                      North                             1.70%          1.45%      30 days
                                                                                                                   8 Year 10%, 10%,10%
                                                                                                                   10%,10%,9%,8%,6%
                                                                                                                                                          Adjustment or surrender charges),
                                                                                                                                                                                                      non-             Commissions in IN & OK
                                                                                                                                                       accumulated at the MGCV Interest Rate,                   0-85
                               American           6-YEAR
                                                                                           without any                                                                    less                      qualified   Max
   $10.36                                                          2.00%          1.75%     surrender                                                   surrender charges (as calculated in the                            2.50% 0-75
                               Guarantee                                                                           9 Year 10%, 10%,10%
                                                                                                                                                         contract). The MGCV Interest Rate is      and $2,000 Age in
  billion in                                                                                charges or             10%,10%,9%,8%,6%,4%
                                                                                                                                                                                                    qualified.
                                                                                                                                                                                                               IN/OK
                                                                                                                                                                                                                          1.88% 76-80
                                Choice®           7-YEAR           2.25%          2.05%      interest
                                                                                                                                                                         based
                                                                                                                                                        on the issue date of the contract and is
 assets as of                                                                                                                                            guaranteed for the entire term of the
                                                                                                                                                                                                                          1.25% 81-85
                                                                                           adjustment.             10 Year 10%, 10%,10%                                 contract.
 December 31,
    2010                                          8-YEAR           2.45%          2.25%                            10%,10%,9%,8%,6%,4%, 2%                                                                             Commissions in FL, IL, TX


Founded in                                        9-YEAR             2.60%             2.45%                               MVA + or -                                                                                     2.25% 0-80
1886 as North
                                                  10-YEAR            2.75%             2.60%                                                                                                                             1.68% 81-85
American Accident                                                                                                                                                                                                        1.125% 86-90
  Association

                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional
                             charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC
                             is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                              American Equity - North American 10/1/2012
                                                                                                                                      October Spreadsheet                                                                                        http://annuity1.com
               888.661.1999
                                                                                         Current Interest Rates                                Withdrawal           Surrender       Minimum         Minimum          Iss.
                                           Products                                                                                            Provision
                                                                                                                                                                                                                             Comm.        Features
                                                                                   (Rates Subject to Change)                                                         Charge         Guarantee       Premium          Age
                                                                                    Rates Effective 3/21/2012
                                    SecureLiving®                                                                                                                                                                                          Full
                                                                              Less than $50,000 to $100,000 or
                                      Smart Rate                                                                                                                                                  Minimum single                         Contract
                                                                               $50,000      $99,999         more                                                                                     premium –       0-75    4.50%
                              One-Year Guarantee                                1.00%        1.75%         2.50%                                                      7 YEAR                          $15,000        76-80   2.70%       Value at
                                                                                                                                                10.00%                                             (non-qualified                         Death
   Genworth                                Base Rate:                             1.00%                  1.00%                  1.00%                    7, 7, 7, 6, 5, 4,             1.00%                         81-85   1.05%
                                                                                                                                               beginning                                            or qualified).
       Life Insurance                   Three-Year                                1.00%                  1.40%                  1.80%                         3, 0%                                                                   Guaranteed Return of
                                                                                                                                                 year 1
Company® and Genworth
Life and Annuity Insurance
                                        Guarantee
                                         Base Rate:                               1.00%                  1.00%                  1.00%
                                                                                                                                                                                                     Premium                           Premium: Your client
                                                                                                                                                                                                   amounts over                        receives no less than the
        Company®                                                                                                                                                                                     $500,000                           single premium, minus
                              Five-Year Guarantee                                 1.00%                  1.35%                  1.55%
                                                                                                                                                                                                   require home                          previous withdrawals.



          A                                Base Rate:
                               Minimum Guaranteed
                                                                                  1.00%

                                                                                  1.00%
                                                                                                         1.00%

                                                                                                         1.00%
                                                                                                                                1.00%

                                                                                                                                1.00%
                                                                                                                                                                                                       office
                                                                                                                                                                                                     approval.
                                                                                                                                                                                                       0-80
                                                                                                                                                                                                                                           Annuitization
                                                                                                                                                                                                                                              available
                                                                                                                                                                                                                                           after 1 year
                                                                                                                                                                                                                                            into current
   (Excellent)                       Rates                                                                                                                                                                                                 SPIA rates!

   A.M. BEST                        SecureLiving®                                        Rates Effective 9/12/2012                               Free: of the                                                           5 Year
                                      Rate Saver                              Less than             $100,000 to $250,000 or
                                                                                                                                               greater amount        5 Years                                         0-75    2.00%
           A                 *Product available in all states
                                                                                                                                                of the last 12
       Standard &
                                                                               $99,000               $249,999      more                           months of          9,8,7,6,5%        1.00%                         76-80   1.35%         Full
                                  except: DE, NY, OR                                                                                               interest(-                                        $25,000
         Poor’s
                                                                                                                                                                                                                        7 Year
                                                                                                                                                                                                                                         Contract
                                                                                                                                                withdrawls) or                                        Q/NQ
          A2                     5 Year Guarantee                                1.35%                  1.55%                  1.65%             the required                                                                            Value at
        Moody’s                                                                                                                                 minimum dist.        7 Years                                         0-75    2.75%        Death
                                                                                                                                              Under federal tax
       A- Fitch                  7 Year Guarantee                               1.95%                  2.15%                  2.25%                   law          9,8,7,6,5,4,3%                                    76-80   2.15%
        Genworth
                                                                                                                                                                                                                     81-85   1.50%
      Financial, Inc.
     (NYSE: GNW) is                Fixed Indexed Annuity with 2.00% Vested Premium Bonus!
    a publicly traded,
      Fortune 500®           SecureLiving® Index
                                                                 Rates Effective 12/12/11                                                         10% of            10 years                         $25,000            10 Year            Full
                                                 $25,000 to $100,000 to $250,000 or                                                            contract value
                                                                                                                                                                   9% 9% 8%            1.00%          Q/NQ           0-75    7.00%       Contract
      global nancial               10 Plus        $99,999    $249,999      more
                                                                                                                                               each contract
         security
                                                                                                                                              year beginning       7% 6% 5%                                          76-80   5.00%       Value at
        company,
    with $100 billion
                               Monthly Cap Strategy                               1.50%                  1.70%                  1.80%          in year 2. For      4% 3% 2%                                                               Death
                                                                                                                                                  qualified
      in assets as of          Annual Cap Strategy                                2.50%                  3.00%                  3.20%                             1% then 0% +
         12/9/08.
                                                                                                                                                 contracts,
                               Performance Trigger Strategy                       2.50%                  3.00%                  3.20%             required          or - MVA
                                                                                                                                                  minimum
     Ratings current                    Bailout Cap                                                                                           distributions for
                                                                                                                                                                  Optional Income Protection Rider
     as of 2/2/2011
                                 Annual Cap Strategy                              2.10%                  2.10%                  2.10%           the contract
                                                                                                                                                                  Roll-up Credit: 8.00% simple annual interest
                             Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the    are permitted      Roll-up Period:10 years or until the first income rider withdrawal is taken
                             above bailout cap then surrender charges, loss of unvested premium enhancement and market value                    in all years.     Rider Fee: 80 bps Annually
                             adjustment will not apply to amounts withdrawn from your contract during the bailout window.                                         Deferred Income Withdrawal After income withdrawals have begun, if you do not take
                               Fixed Rate Strategies                                                                                                              the full withdrawal limit, you may accumulate up to a total of one year’s worth of
                                10-Year Fixed Strategy                            1.25%                  1.50%                  1.60%                             income withdrawals for later use. This amount may be taken at a later date without
                                                                                                                                                                  causing an excess income withdrawal.
                                 1-Year Fixed Strategy                            1.00%                  1.25%                  1.35%                             RMD Friendly Rollup!
                             DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult
                             the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors
                             and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                                                  Genworth Financial               10/1/2012
                                                                                                          October Spreadsheet                                                                                            http://annuity1.com
           888.661.1999

                                                                              Current Interest Rates        Withdrawal                                      Minimum               Minimum     Iss.     Commission Rev.
                                        Products                                                                       Surrender Charge                                           Premium
                                                                                                                                                                                                                            Features
                                                                                       Base        Eff.     Provision                                       Guarantee                         Age          9/1/12
                                                                           1st Year
                                                                                       Rate       Yield

                                                                3 - Year      3yr and 4yr
                                     Palladium®                            WITHDRAWN FROM
   American                            MYG Annuity              4 - Year                                                         8,8,8,7,6,5,4,3,2,1%
   National                                                                      SALE                                             + or - MVA or excess
                                                                                                                                 interest deduction     1.50%, 3.00% Flat
  Insurance                      *Add 10bps to rates to                                                        First Year                                                                     0 - 79   2.50%
                                                                                                                                                         Rate or Floating                                                  Full Account
   Company                        the right for $100,000        5 - Year    2.00%     1.00%      1.20%      Interest only.                                                                                      5-Year
                                                                                                                  then
                                                                                                                                30-day window at          Min rate 1.00%                     80 - 85   0.50%              Value at Death
  One Moody                         initial premiums or                                                                          end of guarantee            currently.
                                                                                                                  Up to                                                                       0 - 79   2.50%              Plus MVA but
    Plaza                                   more.
                                                                6 - Year    1.40%     1.40%      1.40%         10.00% of
                                                                                                                                period when owner          This rate will                                       6-Year    Only if Positive
  Galveston,                                                                                                                 may surrender free of any   vary between 1%      $5000          80 - 85   0.50%
                 FIXED




                                 After the initial Guaranteed                                                  beginning     surrender charge, market & 3% but will be set NQ OR Q
    Texas                                                                                                                                                                                     0 - 79   2.50%               NURSING HOME
                                 Period, the interest rate is   7 - Year    2.70%     1.70%      1.84%      of year Annuity     value adjustment or                                                             7-Year
                                                                                                                                                        at issue and fixed                                                 CONFINEMENT
                                  determined based on the                                                        Value       excess interest deduction
                                                                                                                                                         for the life of the
                                                                                                                                                                                             80 - 85   0.50%
                                 current market conditions,                                                                                                                                                                  RIDER and
                                                                                                               starting in  in some states where MVA                                          0 - 79   2.50%
                                                                                                                                                        contract. Minimum                                                     Disability
                                 but will never be less than    8 - Year    2.00%     2.00%      2.00%                                                                                                          8-Year
     A
                                                                                                                the 2nd            does not apply.
                                             1.5%.                                                             contract yr
                                                                                                                                                        applies after initial                80 - 85   0.50%                   Waiver
                                                                                                                                                       guarantee to the left.
                                                                                                                                Surrender Matches                                             0 - 79   3.00%
  (Excellent)                          Policy Form              9 - Year    3.70%     1.70%      1.92%                                                                                                          9-Year
                                      MGA10NQ,PQ;                                                                               Guarantee Period!                                              - 85
                                                                                                                                                                                             800-      1.00%      0-80
   A.M. Best
                                      GA10NQC,PQC                                                                                                                                  $10,       0 - 79   4.00%
                                                                                                                                                                                                        $10,
   A+ S&P
                                                                10 -Year    2.70%     1.70%      1.80%                                                                                                          10-Year
                                                                                                                                                                                             80 - 85   2.00%
 For Financial
                 FIXED INDEXED




   Strength                                                      NO Caps… No Spreads… No Fees.. No                                     10 Year                                                                             Full Value At
                                                                           Annuitization
                                                                                                           10% of the annuity
                                                                                                            value each year
                                                                                                                                                            90% of premium
                                                                                                                                                           accumulated at the
                                                                                                                                                                                   $5,000    0 - 75
                                                                                                                                                                                               0-        10.00%               Death
                                    Value Lock 10                                                           starting with the
                                                                                                                                12,12,11,10,9,8,7,6,5    minimum guaranteed
                                                                                                                                                                                     NQ
                                                                                                            second contract                                                       $4,000 Q                                Plus Confinement
                                                                                                                                                               0-80                            0-
                                                                 100% Participation Guaranteed!                                        ,3,0%             interest rate of 1.00%
                                                                                                                   year                                                                      76 - 80       8.00%             and Disability
                                                                                                                                                                                                                               Wavier

                                                                                                                                                         1.50%, 3.00% Flat
                 FIXED




                                 WealthQuest®                              1st Year       Base Rate                                    5 Year*                                          Iss. Age       Comm.
                                                                                                                                                          Rate or Floating
                                                                                                                                    7, 7, 7, 6, 5%         Min rate 1.00%                 0 - 80       3.00%
                                                                                                                                                              currently.                                                     Full Account
                                                                                                            Starting in                                                          $5000
                                 Citadel 5 Diamond*                        1.00%           1.00%                                                            This rate will     NQ OR Q 81 - 85
                                                                                                                                                                                                                            Value at Death
                                                                                                              year 1,                  *No MVA                                                         2.00%                    and No
                                                                                                                                                         vary between 1%
Add .10bps for                                                                                                10% of the                                                                                                     Commission
                                                                                                               annuity                                     & 3% but will be                                                ChargeBack at
  premiums                                                                                                                                                                                  0-
                                                                                                               value at                                    set at issue and                                               Death if Annuitiant
    >100k                                                                  1st Year       Base Rate                                    7 Year*                                                                              is under 80 at
                                 WealthQuest®                                                                beginning of                                fixed for the life of            0 - 80
                                                                                                                                                                                            0-         3.50%              Issue! NURSING
                                                                                                            each contract                                   the contract.
                 FIXED




                                                                                                                 year                                         Minimum                       0-                                  HOME
                                                                                                                                                                               $5,000NQ                                    CONFINEMENT
                                                                                                                                                         applies after initial $2,000Q                                        RIDER and
                                 Citadel 7 Diamond**                       2.00%           1.00%                                  7, 7, 7, 6, 5, 4,2%
                                                                                                                                                          guarantee to the
                                                                                                                                                                                         81 - 85       2.50%                   Disablity
                                                                                                                                                                  left.                                                         Waiver


                                 DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional
                                 charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC
                                 is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.




                                                                                                                                                                                                               American National 10/1/2012

								
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