Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT MN NJ NY OK OR PR UT VI VT WA	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	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 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     14.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.80%
Lincoln Financial Group Lincoln OptiPoint 12 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR UT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,319)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.55% Performance Triggered S&P 500 Perf Trig Annual None     4.60 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90 2-Year Point to Point S&P 500 Point to Point Biennial None     10.90
Lincoln Financial Group Lincoln OptiPoint 12 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR UT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.55% 2-Year Point to Point S&P 500 Point to Point Biennial None     10.90 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90 Performance Triggered S&P 500 Perf Trig Annual None     4.60
RBC Insurance RBC Enhanced Choice 12 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE HI MN NJ NY OK OR PA PR UT VI WA	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years): 14 13 12 11 10 9 8 7 6 5 4 3 For states CA (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.90% +1.00 Bonus 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.50 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 5.25 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.75 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00
Surrender Charges Last 10 Years
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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN ND NJ NY OR PR VI VT	0-75: 10.00 76-80: 8.00
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, PA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 03/01/10
	Guaranteed Minimum Value:		90% of Premium at 1.75%  (GMR/1000 $1,103)	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 Monthly 100
American General Life Insurance Company Vision Maximizer	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK DE IL MN MS NJ NV NY OR PA PR UT VI VT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		17 16 15 14 13 10 9 8 7 6
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,152)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   4.00   Annual Point-to-Point Account with Cap S&P 500 Point to Point Annual None     6.00 Annual Point-to-Point Account with Adjustable Participation S&P 500 Point to Point Annual None 35     Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.65%
American National Insurance Company ANICO Strategy Indexed Annuity 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN NY OR PA PR UT VI VT	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.10%  (GMR/1000 $1,116)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Rate Interest Account 1-Year Fixed Rate (no bonus) 2.00% 1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     5.80
Aviva Life & Annuity MultiChoice Income Elite 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 5.00+ 76-78: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 3.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) S&P 500 Point to Point Annual None     4.50 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     7.00 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Elite 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 5.00+ 76-78: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     8.50 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) S&P 500 Point to Point Annual None     6.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 3.80% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     5.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     5.50
Aviva Life & Annuity MultiChoice Income Plus 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  Yes-Guaranteed Purchase Option	Not Available in: CT DE MN NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.50 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Plus 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  Yes-Guaranteed Purchase Option	Not Available in: CT DE MN NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.80% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     6.00 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     5.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     5.50
Aviva Life & Annuity MultiChoice Income Ten 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	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 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.75 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.20% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Ten 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	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 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 3.00% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     6.25 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     5.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     5.50
ING USA Annuity and Life ING Secure Index Opportunities Plus Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 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, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.40% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.75
ING USA Annuity and Life ING Secure Index Outlook Annuity Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT DE MN NJ PA UT WA	0-80: 6.00+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.40%
ING USA Annuity and Life ING Secure Index Outlook Annuity High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT DE MN NJ PA UT WA	0-80: 6.00+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.40% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     6.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.60
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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,231)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.55% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90 2-Year Point to Point S&P 500 Point to Point Biennial None     10.90 Performance Triggered S&P 500 Perf Trig Annual None     4.60
Lincoln Financial Group Lincoln OptiPoint 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	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 1.80%  (GMR/1000 $1,243)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90 2-Year Point to Point S&P 500 Point to Point Biennial None     10.90 Performance Triggered S&P 500 Perf Trig Annual None     4.60 Fixed 1-Year Fixed Rate (no bonus) 2.55%
OM Financial Life Insurance Company OMIndex-Escalator 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI VT WA	0-79: 6.50+ 80-85: 3.25+ see notes
	Withdrawal Notes:			Premium Bonus: 1.00
	For states AL, AR, AZ, CA, CO, DC, DE, 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, TX, VA, WI, WV, WY (10 years): 14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 For states AK, CT, MN, UT (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $976)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     5.00 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     5.00
RBC Insurance RBC Choice 10 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE HI MN NJ NY OK OR PA PR UT VI	0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 9.5 9 8 7 6 5 4 2 For states CA, WA (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Account 1-Year Fixed Rate with Bonus 2.00% +1.00 Bonus 1 Year S&P 500 Annual Point to Point Cap S&P 500 Point to Point Annual None 100 0.00 5.00 1 Year S&P 500 Monthly Additive Point to Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.50 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual None 100 0.00 2.75 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00

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