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					                                                                                 Annuity Lifetime Income Riders Comparisons                                                                                   Revised: 09/09/10

                                                                Annuitant Name:              Valued Client                                                 Age:         60
                                                                   Spouse Name:                                                                            Age:
                                                                         Premium:            $100,000                                                     Defer:         5       Years

  Riders:
        Base Product Bonus
                Rider Bonus
         Rider Interest Rate
               Interest Type
            Maximum Years
                  Rider Cost
              Calculated on
           Income Available


Notes:

Start             Income        Single        Joint         Income          Single          Joint        Income           Single         Joint         Income          Single         Joint         Income          Single         Joint
 of       Age     Account      Lifetime      Lifetime       Account        Lifetime        Lifetime      Account         Lifetime       Lifetime       Account        Lifetime       Lifetime       Account        Lifetime       Lifetime
Year               Value       Income        Income          Value         Income          Income         Value          Income         Income          Value         Income         Income          Value         Income         Income
 1        60
 2        61
 3        62
 4        63
 5        64
 6        65
 7        66
 8        67
 9        68
 10       69
 11       70
 12       71
 13       72
 14       73
 15       74
 16       75
 17       76
 18       77
 19       78
 20       79
 21       80
 22       81
 23       82
 24       83
 25       84

   The amounts, options, features and rates shown here are representative examples only. Rates are subject to change at any time. This comparison was prepared using software provided by IFS Group Inc. and it has not been reviewed,
 approved or endorsed by any insurance company. IFS Group, Inc., associated vendors and any specified financial services companies disclaim all liability that may arise from the use of this software. When considering the purchase of a
       financial instrument, only the issuing company's authorized illustrations, marketing materials and disclosures related to your product of choice, should be used in evaluating your options and/or final decision.


 These estimates of lifetime income payments are for comparative purposes only. They are not contractual guarantees.                                                                                                 10/2/2010
                                        INCOME RIDER COMPARISON TOOL INSTRUCTIONS


Objective
This tool is designed to compare the lifetime payout amounts of the top 20 Income Riders available to the Producer through PFG Marketing
Group, Inc. You can dowload a sheet listing these Top 20 Income Riders from our website at www.pfg-inc.com. The tool provides estimates of
the lifetime income amounts on a single life basis or a joint life basis, when the benefits are triggered at various ages. It is intended as a planning
tool for the producer to identify which products which might best suit a client's specific situation. Every attempt has been made to create
accurate results but we cannot guarantee the results. Product features and rates constantly change and the results from this tool must not be
relied upon by the producer, in making a presentation to a client. Furthermore, while it covers most scenarios, it does not illustrate every
possible combination a product may have to offer. For example, if the lifetime income benefits might increase due to increases or interest
credited to the underlying base product, this is not reflected in the results of this tool because no calculations for accumulation values are
reflected here. When making the final determination of which product(s) to recommend to a client, the producer must refer to official insurance
company illustrations, disclosures and brochures.



How to input information
This tool is a Microsoft Excel spreadsheet and you can only use it if you own the Excel program and have a basic understanding of how to use
the Excel program. Each box or field is referred to by a column and row number which are shown in the margins. For example the very first field
in the top left corner would be referred to as 'A1'.

There are 16 fields that allow you to input information. These are identified by a light blue background on rows 3 through 8. You cannot click on
any other fields. There are 3 categories of information to enter: Client, Income Rider & Base Product Bonus information.

Client information:

1. Enter primary annuitant name and age on Row 3.
2. If you want Joint payout information also, enter the spouse's name and age on Row 4. If no spouse, leave blank.
3. Enter the premium amount and your 'best guess' of how many years to defer until income starts. This will only highlight the year that income
is expected to start on the results shown below. It does not change any of the calculations as all years are shown.

Rider information

You can illustrate/compare up to 5 Income Riders out of a total of 20 choices. These are selected on Row 7.

1. To select the first Income Rider, click on Row 7, Colums D (D7) - A Down Arrow will appear on the right side of the field.
2. Place the cursor on the Down Arrow and Click - Once clicked a box will appear with a list of income Riders to choose from.
3. Use the Scroll bar on the right side of the box to scroll up and down the list.
4. When you see the rider you wish to illustrate, double click on the name. Repeat process in boxes G7, J7, M7 &P7.
5. If you want to remove a Rider selection, right click on the applicable box (D7, G7, J7, M7 or P7) and "Clear contents".

Please note due to limited space, generic descriptions have been used to identify the riders and care must be taken to identify the right one. For
example: On American Equity there are 4 choices but the rider you select depends on which underlying product you intend to use. The rider
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                                        INCOME RIDER COMPARISON TOOL INSTRUCTIONS
example: On American Equity there are 4 choices but the rider you select depends on which underlying product you intend to use. The rider
attached to their Fixed Index Annuities is different than the rider attached to Traditional Delared rate annuities. So if you want to illustrate an
American Equity rider, make sure you select the appropriate rider: "Index" or "Declared". If you are not sure which rider is the one you want,
please contact our office at 1-800-944-2220 for assistance.

General information that pertains to the rider only will appear on Rows 9-12. This is the some of the information that may be useful to you and
your client and it is used to drive the calculations. However, this does not include any information that pertains to the underlying Annuity
product - only the rider itself. For example, if the underlying annuity has a 5% bonus that is also applied to the income rider, this information will
not appear in Rows 9-12, as we do not know which product you might use. In order to reflect a bonus from the underlying annuity that is also
credited to the income rider up-front, this information must be input of Row 8.

Underlying annuity (Base product) bonus information

1. IF the underlying annuity product has a bonus that is also applied to the income rider immediately, enter the percent on Row 8. Only include
the bonus related to the base product as any bonus built into the rider is already documented and calculated.
2. If you want to remove a bonus percent, right click on the applicable box (E8, H8, K8, N8, or Q8) and "Clear contents".

IMPORTANT NOTE: If the underlying product bonus is not applied up-front to the rider as well, DO NOT ENTER a bonus on Row 8. A few
products place the underlying bonus in a separate account and do not apply it to the income rider until later years. In these situations, this tool
will not calculate the payouts correctly as it will automatically credit the underlying bonus to the rider in the first year. If you are wanting to
illustrate a rider product that works like this, do not use this tool - Use company illustration tools only.


         Questions? - Need Help ? Please call PFG Marketing Group, Inc. at 1-800-944-2220




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