Loyal American Life Insurance Company ® Fixed Annuities Interest Rates
Fixed annuity interest rates effective November 19, 2007 Applications and order tickets with checks received in the Home Office by end of business day Friday, November 16, 2007 will be processed with the previous rate. Transfer and rollovers received by November 16, 2007 must have the funds in the Home Office by Friday, December 14, 2007 to receive the previous rate. 1 Bonus Features Base Rate FY Rate Guar. Min. Single Premium Fixed Annuities Bail-Out Rate
Loyal Integrity Vision 10
®
Exceptions 2.25% GMIR in SC
3.30% Base Rate 4.65%
4.80% FY Rate 4.65%
3.00% Eff Yield 4.65%
3.00%
1.50% FY interest rate bonus; 2.00% in WA
Multi-Year Guaranteed Rate Annuities2
Loyal SureSaver 5SM Loyal SureSaver 5
Purchase Payments $100,000 and over
Guaranteed Rates Yr. 2 4.65% Yr. 3 4.65% Yr. 4 4.65% Yr. 5 4.65%
Exceptions
4.85%
4.85%
4.85%
4.85%
4.85%
4.85%
4.85%
Fixed-indexed annuity interest rates effective November 21, 2007 and December 7, 2007 The crediting strategy rate will be determined by the date the Purchase
Payment is received, regardless of the request form date. Flexible Premium Fixed-Indexed Annuities3
Declared Rate Strategy4
Holding Acct. Current (Pur. Payment Declared Rate Acct.) Rate FY Eff. Yield 6 Strategy Components
Indexed Strategies Monthly Avg. 0% Monthly Avg. 2.9% 3.9% 4.25% 100%
5
Annual Pt.-to-Pt. 0%
Daily Avg.
Bonus Features and Rate Notices
Index Spread
0% 80% 70% 65% No Cap Bolded rates as of November 21, 2007. Bolded italicized rates as of December 7, 2007.
Loyal OutlookSM
3.9% 3.75%
3.9% 3.75%
3.9% 3.75%
Par. Rate
100% 9.5% 8.5% 0%
100% 8.5% 7% 6.25% 0%
Cap
No Cap 3.4% 4.75% 6% 100%
Index Spread
0% 70% 60% 55% No Cap
7 2% premium bonus in the first contract year. Bolded rates as of November 21, 2007. Bolded italicized rates as of December 7, 2007.
Loyal GatewaySM
3.35% 3.25%
3.35% 3.25%
5.41% 5.31%
Par. Rate
100% 7.25% 7% 0% 100% 6% 0% 100% 7.5%
100% 6.25% 6% 5.25% 0% 100% 5.5% 5.25% 0% 100% 6% 5.75%
Cap
No Cap 4.25% 5.5% 6.25% 100% No Cap 4% 5% 5.75% 100% No Cap
Loyal Generation
SM
3%
3%
10.72% (7.5% Bonus); 8.66% (5.5% Bonus)
Index Spread
0% 60% 55% No Cap 0% 65% 60% No Cap
Par. Rate Cap
7.5% premium bonus7 for Purchase Payments in first three contract years through age 55, 5.5% for ages 56 through 85. Bolded rates as of November 21, 2007. Bolded italicized rates as of December 7, 2007.
Loyal Generation
Purchase Payments $100,000 and over
3%
3%
10.72% (7.5% Bonus); 8.66% (5.5% Bonus)
Index Spread
Par. Rate Cap
7.5% premium bonus7 for Purchase Payments in first three contract years through age 55, 5.5% for ages 56 through 85. Bolded rates as of November 21, 2007. Bolded italicized rates as of December 7, 2007.
Immediate Annuity
Loyal Single Premium Immediate Annuity
1 2 3
Sample Quote: $100,000 for a 65-year old male in Ohio, Non-qualified8
5-Yr Period Certain, EOP Monthly Pmts 10-Yr Period Certain, EOP Monthly Pmts Single Life Contingent, EOP Annual Pmts
$1,784.36
$1,012.81
$8,631.69
Represents current surrender charge waiver trigger, wherein surrender charges are waived during such period of time that the renewal interest rate drops below the listed rate. Due to rate sensitivity of the SureSaver 5, we recommend advertising for this product should only be in e-media (fax and e-mails) and not print materials.
Contracts will be issued upon receipt of Purchase Payment. Purchase Payments will be credited interest while in the holding account (Purchase Payment Account) until terms begin on the 6th or the 20th of the month. After that time, amounts will be credited interest according to the strategy(ies) rate(s). The Guaranteed Minimum Surrender Value is 87.5% at 3%. Guaranteed Minimum Declared Rate is 3.00%. Future Indexed Strategies could offer alternate options and rates. Monthly Averaging with Cap and Annual Point-to-Point strategies have guaranteed 100% Participation Rates and 0% Index Spread, and minimum Cap guarantee of 3.00% for contract duration. Monthly Averaging with Index Spread (no Cap) strategy has a guaranteed 100% Participation Rate and maximum Index Spread guarantee of 8%. Participation Rate with Daily Averaging Strategy has guaranteed 50% minimum Participation Rate. Note that all indexed strategies may not be available in all states. Yield based on current interest rate with premium bonus. Referred to as Purchase Payment bonus in the contract. SPIA Rates are as of 11/12/07. Go to Agent Access on www.GAFRI.com and click on “ SPIA Calculator” for an illustration.
4 5
6 7 8
Products not available in all states. Rates, state availability and product information for all products, including retired products, can be found on www.GAFRI.com.
For Distribution Partner Use Only - Not for Consumer Distribution
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