Indexed Annuity Detail Sheet
 
 
 
State
 Premium
 Qual
 Flex?
 Rating
 Company
 SC yrs
 Age
 Comm
%

Showing 1-20 of 118    Display: Print/Save |<  <<   Page 1 of 6   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 14 Years

Fidelity & Guaranty Life

FG AccumulatorPlus 14
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT MA MN MS NC NH NV NY OK OR PR TX UT VI WA 		0-85: 7.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.90
1 Year S&P 500 Point-to-Point with Cap S&P 500 Point to Point Annual None     6.00
1-Year Fixed Account 1-Year Fixed Rate (no bonus) 3.00%
1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     6.25
1 Year Index Gain Option with Declared Rate S&P 500 Perf Trig Annual None      

Fidelity & Guaranty Life

Prosperity Elite 14
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA 		0-79: 8.00
80-85: 4.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:
14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00
2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25
1-Year Performance Triggered Account S&P 500 Perf Trig Annual None      
1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50
1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75
3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00
Fixed Account 1-Year Fixed Rate (no bonus) 2.50%

Fidelity & Guaranty Life

Prosperity Elite 14 Enhanced
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA 		0-79: 8.00
80-85: 4.00
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 14 years:
14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,066)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00
2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25
1-Year Performance Triggered Account S&P 500 Perf Trig Annual None      
1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50
1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75
3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00

Fidelity & Guaranty Life

Prosperity Elite 14 Protection
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA 		0-79: 8.00
80-85: 4.00
Withdrawal Notes: Premium Bonus: 9.00
Withdrawal Charges 14 years:
14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,096)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75
3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00
Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00
2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25
1-Year Performance Triggered Account S&P 500 Perf Trig Annual None      
1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50

North American Company

Charter 14
Non-Qualified
Owner:75
Annuitant:
Qualified
Owner:75
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN NV NY OR PR TX UT VI WA 		0-75: 7.50+
Withdrawal Notes: Prem Bonus: 10.00
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2
For states TX (14 years): 15 15 15 14 13 12 11 10 9 8.5 8 7 6 5
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,106)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     2.75
1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.50
1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     3.00
1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     2.60
1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     2.35
1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     3.00
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     2.50
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.60
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     2.55
1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.75
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     2.50
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   2.65
1-Year Fixed 1-Year Fixed Rate (no bonus) 1.50%
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     3.05

North American Company

Charter 14 (TX)
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

TX
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 14 years:  
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     4.00
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.60
1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.50
1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     4.00
1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.00
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.00
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     4.00
1-Year Fixed 1-Year Fixed Rate (no bonus) 2.00%
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     4.00
1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.00
1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.00
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.00
1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.00
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00

North American Company

Freedom Choice (5%) 14

Low-Band
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA 		0-75: 5.50+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2
For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     5.45
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.80
1-Year Fixed 1-Year Fixed Rate (no bonus) 3.05%
1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     5.80
1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.75
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.55
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     5.40
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.80
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.00

North American Company

Freedom Choice (5%) 14

High-Band
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA 		0-75: 5.50+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2
For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.65
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.30
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     6.20
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     7.75
1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     6.55
1-Year Fixed 1-Year Fixed Rate (no bonus) 3.35%
1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     3.05
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     6.25
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     6.15

North American Company

Freedom Choice 14

Low-Band
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA 		0-75: 5.50+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2
For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.70
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.70
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.00
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.80
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.00
1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.05
1-Year Fixed 1-Year Fixed Rate (no bonus) 2.70%
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     4.85
1-Year Nasdaq-100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.55

North American Company

Freedom Choice 14

High-Band
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA 		0-75: 5.50+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2
For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,006)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     7.05
1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     6.00
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.70
1-Year Fixed 1-Year Fixed Rate (no bonus) 3.10%
1-Year Nasdaq-100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.80
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     5.55
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.05
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.00
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     5.65

North American Company

North American Prizm Plus 14
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN NV NY OR PR TX UT VI WA 		0-75: 7.50+
Withdrawal Notes: Prem Bonus: 10.00
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2
For states IL (14 years): 18 18 17 15 15 15 14 13 12 10 8 6 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,106)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 15    
1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 30    
1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     1.50
1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 15    
1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 35    
1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 25    
1-Year Fixed 1-Year Fixed Rate (no bonus) 1.50%
1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 20    
1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 20    
1-Year DJIA Point-to-Point DJIA Point to Point Annual None 20    
1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 20    
1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.50
1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 15    

North American Company

Precision 14
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MN NV NY OR PR TX UT VI WA 		0-75: 7.50+
Withdrawal Notes: Prem Bonus: 10.00
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2
For states TX (14 years): 15 15 15 14 13 12 11 10 9 8.5 8 7 6 5
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,106)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 35    
1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 65   3.25
1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 25    
1-Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.50
1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 20    
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   1.60
1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 30   3.50
1-Year Hindsight Index Blended Indicies Point to Point Annual None 20   3.25
1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 25   3.25
1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 35   3.25
1-Year Fixed 1-Year Fixed Rate (no bonus) 1.50%
1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 25   3.25
1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 35    
1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 25   3.25
Surrender Charges Last 12 Years

American General Life Insurance Company

AG HorizonIndex Annuity 12
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA CT DE FL MN NJ NV NY OH OR PR SC TX UT VI VT WA 		0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 12 years:
12 12 12 12 12 11 10 9 8 7 5 3
 
Guaranteed Minimum Value: 90% of Premium at 1.50%  (GMR/1000 $1,130)
Account Name Indicie Type Reset Averaging Part Spread Cap
2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75
Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50
Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.30%

American General Life Insurance Company

AG HorizonIndex Annuity 12 (CA)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA 		0-75: 8.00
76-80: 4.00
81-85: 2.50
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 12 years:
12 12 12 12 12 11 10 9 8 7 5 3
 
Guaranteed Minimum Value: 90% of Premium at 2.00%  (GMR/1000 $1,198)
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75
Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50

North American Company

NA Performance Choice 12
Non-Qualified
Owner:75
Annuitant:
Qualified
Owner:75
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MA MN MO NV NY OH OR PR UT VA VI WA 		0-75: 6.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 12 years:
10 10 10 10 10 9 8 7 6 5 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $986)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     4.85
1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None     4.45
1-Year Fixed 1-Year Fixed Rate (no bonus) 2.50%
1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     4.35
1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     4.65
1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.40
1-Year Dow Jones Point-to-Point DJIA Point to Point Annual None     4.60
Inverse Performance Trigger S&P 500 Inverse Perf Triggered Annual None     4.90
1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None     4.40
1-Year Nasdaq 100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.40
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.55

North American Company

NA Performance Choice 12 Plus
Non-Qualified
Owner:75
Annuitant:
Qualified
Owner:75
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL CT DE MA MN MO NV NY OH OR PR UT VA VI WA 		0-75: 6.50+
Withdrawal Notes: Premium Bonus: 8.00
Withdrawal Charges 12 years:
10 10 10 10 10 9 8 7 6 5 4 2
 
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,065)
Account Name Indicie Type Reset Averaging Part Spread Cap
1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.20
1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     2.90
1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     3.55
1-Year Dow Jones Point-to-Point DJIA Point to Point Annual None     3.10
Inverse Performance Trigger S&P 500 Inverse Perf Triggered Annual None     3.40
1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None     2.90
1-Year Nasdaq 100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual None     1.70
1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.80
1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     3.15
1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None     3.00
1-Year Fixed 1-Year Fixed Rate (no bonus) 1.75%
Surrender Charges Last 10 Years

Aviva Life & Annuity (Income Series)

Income Preferred Ultra

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT VI WA 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Prem Bonus: 3.00-5.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
Rate Changed: 01/06/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,015) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus

Aviva Life & Annuity (Income Series)

Income Preferred Ultra

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK CT DE MN NJ NV NY OR PA PR UT VI WA 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Prem Bonus: 3.00-5.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
Rate Changed: 01/06/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00%  (GMR/1000 $1,015) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus

American National Insurance Company

Value Lock 10
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

MA MN NY OR UT VI VT 		0-75: 10.00
76-80: 8.00
Withdrawal Notes: No Premium Bonus
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3
For states CT, IL, PA, WA (10 years): 9 9 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 90% of Premium at 1.00-1.75%  (GMR/1000 $1,071) Next Change : TBD
Account Name Indicie Type Reset Averaging Part Spread Cap
S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Continuous Monthly 75    

Lincoln Financial Group

Lincoln OptiPoint 10

Low-Band
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 

Not
Available in:

AK MN NY OR UT 		0-75: 7.00+
76-80: 4.75+
Withdrawal Notes: Premium Bonus: 4.00
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
 
Guaranteed Minimum Value: 100% of Premium at 1.00%  (GMR/1000 $1,149)
Account Name Indicie Type Reset Averaging Part Spread Cap
2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25
Performance Triggered Indexed Account S&P 500 Perf Trig Annual None      
Fixed Account 1-Year Fixed Rate (no bonus) 1.00%
2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00
Showing 1-20 of 118    Display: Page:   1 | 2 | 3 | 4 | 5 | 6

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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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