Fixed Indexed Annuities

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SC yrs

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SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 12 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12

12 yrs

5.00%

2.00%

90.00%

$1,198

03/05/10

0-75: 8.00+
76-80: 4.00+
81-85: 2.50+

see notes

Fixed Interest Account @ 2.80%	Monthly Additive Account with Cap
2-Year Point-to-Point Account with Cap

Lincoln Financial Group
Lincoln OptiPoint 12 -Low

12 yrs

4.00%

2.00%

100%

$1,319

03/01/10

0-75: 8.00+

see notes

Fixed @ 2.55%	Performance Triggered
2-Year Monthly Cap	2-Year Point to Point

Lincoln Financial Group
Lincoln OptiPoint 12 -High

12 yrs

5.00%

2.00%

100%

$1,332

03/01/10

0-75: 8.00+

see notes

2-Year Point to Point	2-Year Monthly Cap
Performance Triggered	Fixed @ 2.55%

RBC Insurance
RBC Enhanced Choice 12 SPDA

12 yrs

5.00%

1.00%

87.50%

$1,035

03/01/10

0-75: 8.00+
76-80: 6.00+
81-85: 4.00+

see notes

Fixed Account @ 1.90%	1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap	1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

3.00%

1.75%

90.00%

$1,103

03/01/10

0-75: 10.00
76-80: 8.00

S&P 500 10 Year Point-to-Point

Amer. General Life Ins. Co.
Vision Maximizer

10 yrs

5.00%

2.00%

90.00%

$1,152

03/05/10

0-75: 8.00+

see notes

Monthly Average Account with Index Spread	Annual Point-to-Point Account with Cap
Annual Point-to-Point Account with Adjustable Participation	Fixed Interest Account @ 2.65%

American National Ins. Co.
ANICO Strategy Indexed Annuity 10

10 yrs

1.10%

100%

$1,116

03/01/10

see notes

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Point-to-Point

Aviva Life & Annuity
MultiChoice Income Elite -Low

10 yrs

1.00%

100%

$1,105

03/05/10

0-75: 5.00+
76-78: 3.00+

see notes

Fixed Strategy @ 3.00%	1-Year Point-to-Point Index Strategy
1-Year Point-to-Point Participation Index Strategy	1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®)
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)	1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)

Aviva Life & Annuity
MultiChoice Income Elite -High

10 yrs

1.00%

100%

$1,105

03/05/10

0-75: 5.00+
76-78: 3.00+

see notes

1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®)	1-Year Point-to-Point Participation Index Strategy
1-Year Point-to-Point Index Strategy	Fixed Strategy @ 3.80%
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)	1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)

Aviva Life & Annuity
MultiChoice Income Plus -Low

10 yrs

5.00%

1.00%

100%

$1,160

03/05/10

0-75: 7.50
76-78: 5.50

see notes

Fixed Strategy @ 2.00%	1-Year Point-to-Point Index Strategy
1-Year Point-to-Point Participation Index Strategy	1-Year Monthly Cap Index Strategy
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)	1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)

Aviva Life & Annuity
MultiChoice Income Plus -High

10 yrs

5.00%

1.00%

100%

$1,160

03/05/10

0-75: 7.50
76-78: 5.50

see notes

1-Year Monthly Cap Index Strategy	1-Year Point-to-Point Participation Index Strategy
1-Year Point-to-Point Index Strategy	Fixed Strategy @ 2.80%
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)	1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)

Aviva Life & Annuity
MultiChoice Income Ten -Low

10 yrs

1.00%

100%

$1,105

03/05/10

0-75: 7.50
76-78: 5.50

see notes

Fixed Strategy @ 2.20%	1-Year Point-to-Point Index Strategy
1-Year Point-to-Point Participation Index Strategy	1-Year Monthly Cap Index Strategy
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)	1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)

Aviva Life & Annuity
MultiChoice Income Ten -High

10 yrs

1.00%

100%

$1,105

03/05/10

0-75: 7.50
76-78: 5.50

see notes

1-Year Monthly Cap Index Strategy	1-Year Point-to-Point Participation Index Strategy
1-Year Point-to-Point Index Strategy	Fixed Strategy @ 3.00%
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)	1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)

ING USA Annuity and Life
ING Secure Index Opportunities Plus -Low

10 yrs

5.00%

2.00%

87.50%

$1,120

12/10/09

0-80: 7.00+

see notes

Fixed Rate Strategy @ 2.40%	Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Secure Index Outlook Annuity -Low

10 yrs

3.00%

2.00%

87.50%

$1,099

12/10/09

0-80: 6.00+

see notes

Point-to-Point Cap Index Strategy	Monthly Cap Index Strategy
Fixed Rate Strategy @ 2.40%

ING USA Annuity and Life
ING Secure Index Outlook Annuity -High

10 yrs

3.00%

2.00%

87.50%

$1,099

12/10/09

0-80: 6.00+

see notes

Fixed Rate Strategy @ 2.40%	Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy

Lincoln Financial Group
Lincoln OptiPoint 10 -Low

10 yrs

3.00%

1.80%

100%

$1,231

03/01/10

0-75: 7.00+
76-80: 4.75+

see notes

Fixed @ 2.55%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Lincoln Financial Group
Lincoln OptiPoint 10 -High

10 yrs

4.00%

1.80%

100%

$1,243

03/01/10

0-75: 7.00+
76-80: 4.75+

see notes

Performance Triggered	2-Year Point to Point
2-Year Monthly Cap	Fixed @ 2.55%

OM Financial Life Ins. Co.
OMIndex-Escalator 10

10 yrs

1.00%

87.50%

$ 976

03/01/10

0-79: 6.50+
80-85: 3.25+

see notes

Fixed Account @ 2.25%	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Averaging	1-Year S&P 500 Annual Point-to-Point

RBC Insurance
RBC Choice 10 SPDA

10 yrs

1.00%

87.50%

$ 967

03/01/10

0-75: 10.00+
76-80: 8.00+
81-85: 6.00+

see notes

1-Year Fixed Account @ 2.00%	1 Year S&P 500 Annual Point to Point Cap
1 Year S&P 500 Monthly Additive Point to Point Cap	1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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