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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index-1-05 & Index-7-05-OK)	17 yrs	(NQ)	10.00%	3.00%	84.00%		07/20/10	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.30% S&P 500 Monthly Point-to-Point S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP Lehman Brothers U.S. Aggregate Annual Point-to-Point Dow Jones Annual Monthly Average Dow Jones Annual Point-to-Point
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index 1-07)	16 yrs	80	10.00%	3.00%	84.00%		07/20/10	0-75: 6.00+ 76-80: 4.50+ see notes
	Fixed Value @ 2.70% 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Point-to-Point 1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Lehman U.S. Aggregate Point-to-Point
Surrender Charges Last 15 Years
National Western Life Liberty Champion	15 yrs	85	5.00%				08/06/10	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qualified 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Ultra Future	15 yrs	80 (NQ)	10.00%	1.50%	87.50%	$1,203	08/06/10	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Account @ 2.90% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap
Surrender Charges Last 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		07/20/10	0-78: 6.00+ see notes
	Fixed @ 2.50% S&P 500 Monthly Average w/ Participation S&P 500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Cap
Americo Ultimate One Index 9 Bonus (PA)	14 yrs	(NQ)	4.00%	2.00%	100%	$1,372	08/01/10
	Fixed @ 2.50% S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Averaging w/ Participation S&P 500 Monthly Averaging w/ Cap
EquiTrust Life Ins. Co. Market Power Bonus Index	14 yrs	80	10.00%	1.00%	87.50%	$1,106	09/02/10	0-80: 8.50+ see notes
	1-Year Fixed Interest Account @ 2.00% 1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap 2-Year S&P 500 Monthly Averaging Cap Account 1 Year S&P 500 Monthly Average Participation 1-Year S&P 500 Monthly Cap
EquiTrust Life Ins. Co. MarketTwelve Bonus	14 yrs	(NQ)	6.00%	1.00%	87.50%	$1,066	09/02/10	0-80: 9.00
	Fixed @ 1.50% 1-Year S&P 500 Point-to-Point w/Cap 1-Year S&P 500 Daily Average w/ Cap 1-Year S&P 500 Monthly Average w/Participation 1-Year S&P 500 Monthly Cap 2-Year Monthly Average Cap
National Western Life NWL Ultra Benefit	14 yrs	(NQ)	5.00%	1.50%	87.50%	$1,132	08/06/10	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qualified 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Option B: Fixed Interest Rate @ 1.85% Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset
North American Company Charter 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	0-75: 7.50+ see notes
	1-Year Fixed @ 2.15% 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Hindsight Index Strategy 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
North American Company Freedom Choice (5%) 14 -Low	14 yrs	75		1.10%	87.50%	$1,020	09/01/10	0-75: 5.50+ see notes
	1-Year Fixed @ 3.55% 1-Year Annual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Annual Point-to-Point DJIA 1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point S&P 400
North American Company Freedom Choice (5%) 14 -High	14 yrs	75		1.10%	87.50%	$1,020	09/01/10	0-75: 5.50+ see notes
	1-Year Annual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 3.90% 1-Year Annual Point-to-Point S&P 400 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point DJIA
North American Company Freedom Choice 14 -Low	14 yrs	75		1.10%	87.50%	$1,020	09/01/10	0-75: 5.50+ see notes
	1-Year Fixed @ 3.15% 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
North American Company Freedom Choice 14 -High	14 yrs	75		1.10%	87.50%	$1,020	09/01/10	0-75: 5.50+ see notes
	1-Year Fixed @ 3.55% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
North American Company North American Prizm Plus 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	0-75: 7.50+ see notes
	1-Year Fixed @ 2.15% 1-Year S&P 400 Point-to-Point 1-Year S&P 400 Monthly Average 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average 1-Year Russell 2000 Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq -100 Monthly Point-to-Point 1-Year DJIA Point-to-Point 1-Year DJIA Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point
North American Company Precision 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	0-75: 7.50+ see notes
	Fixed @ 2.15% Dow Jones EuroStoxx 50 Point-to-Point Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point 1 - Year Hindsight Index Strategy S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point
Surrender Charges Last 13 Years
National Western Life NWL Ultra Classic	13 yrs	80		1.50%	87.50%	$1,062	08/06/10	Qualified 0-70: 12.00+ 71-75: 10.00+ 76-80: 9.00+ Non-Qualified 0-75: 12.00+ 76-80: 10.50+ see notes
	Option B: Fixed Account @ 3.25% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co. Bonus 5 (INDEX-3-07-WA)	12 yrs	(NQ)	5.00%				07/20/10	0-57: 6.00+ 58-80: 4.00+ see notes
	S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Fixed @ 2.70%
Amer. Equity Investment Life Ins. Co. Income Gold (Index 3-07)	12 yrs	80	5.00%	3.00%	87.50%		07/20/10	0-75: 5.63+ 76-80: 4.22+ see notes
	Fixed Account @ 2.70% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap 1-Year Lehman U.S. Aggregate Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Amer. General Life Ins. Co. AG HorizonIndex Annuity 12	12 yrs	85	5.00%	2.00%	90.00%	$1,198	08/27/10	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.00%
Great Amer. Life Ins. Co. American Valor II	12 yrs	85	5.00%	1.00-2.00%	100%	$1,332	08/21/10	Qualified 18-75: 6.00+ 76-80: 4.50+ 81-85: 2.50+ Non-Qualified 0-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+ see notes
	1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap Declared Rate Strategy @ 2.00%
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	09/01/10	0-75: 4.00 see notes
	Fixed @ 2.10% Performance Triggered 2-Year Monthly Cap 2-Year Point to Point
Lincoln Financial Group Lincoln OptiPoint 12 -High	12 yrs	75	5.00%	2.00%	100%	$1,332	09/01/10	0-75: 4.00 see notes
	Fixed @ 2.10% 2-Year Point to Point 2-Year Monthly Cap Performance Triggered
National Western Life Liberty Challenge	12 yrs	85	2.00%				08/06/10	Qualified 0-70: 9.00+ 71-75: 8.00+ Non-Qualified 0-70: 9.00+ 71-80: 8.00+ 81-85: 6.25+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
RBC Insurance RBC Enhanced Choice 12 SPDA	12 yrs	85	5.00%	1.00%	87.50%	$1,035	09/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Fixed Account @ 1.05% 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
Aviva Life & Annuity MultiChoice Advantage -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 2.25%
Aviva Life and Annuity Income Preferred Ultra -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.25%
Aviva Life & Annuity MultiChoice Advantage -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 1.65%
Aviva Life and Annuity Income Preferred Ultra -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 1.65%
American National Ins. Co. Value Lock 10	10 yrs	80		1.75%	90.00%	$1,071	09/01/10	0-75: 10.00 76-80: 8.00
	S&P 500 10 Year Point-to-Point
Allianz Life Endurance Plus	10 yrs	(NQ)		1.50%	90.00%	$1,044	08/03/10	0-75: 8.00+ 76-80: 5.00+ see notes
	Fixed Account @ 2.50% Blended Point-to-Point Blended Monthly Average S&P 500 Monthly Sum S&P 500 Point-to-Point Nasdaq 100 Point-to-Point Nasdaq 100 Monthly Sum FTSE 100 Point-to-Point FTSE 100 Monthly Sum
Allianz Life MasterDex 10	10 yrs	85	10.00%	1.50%	87.50%	$1,117	08/03/10	0-75: 9.00+ 76-85: 7.00+ see notes
	Fixed Account @ 3.00% 1-Year SP 500 Monthly Point to Point 1-Year Nasdaq-100 Monthly Point to Point
Allianz Life MasterDex 10 Plus Annuity	10 yrs	80	10.00%	1.50%	87.50%	$1,117	08/03/10	0-75: 8.00+ 76-80: 5.00+ see notes
	Fixed @ 3.00% 1 Year Nasdaq 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Cap 1 Year FTSE 100 Point-to-Point Cap 1 Year FTSE 100 Monthly Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread 1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap
Allianz Life MasterDex 5 Plus Annuity	10 yrs	80	5.00%	2.00%	87.50%	$1,120	08/03/10	0-75: 8.00+ 76-80: 6.00+ see notes
	Fixed Interest Option @ 2.15% 1 Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread 1 Year FTSE 100 Point-to-Point Cap 1 Year FTSE 100 Monthly Sum Cap 1 Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap
Allianz Life MasterDex X Annuity	10 yrs	80	10.00%	2.50%	87.50%	$1,232	08/03/10	0-75: 7.00+ 76-80: 5.00+ see notes
	1 Year Fixed @ 2.15% 1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap 1 Year Euro STOXX 50 Point-to-Point Cap 1 Year Euro STOXX 50 Monthly Cap 1 Year Nasdaq 100 Monthly Cap 1 Year Nasdaq 100 Point-to-Point Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread
Amer. Equity Investment Life Ins. Co. 10/10 Gold (Index 6-05)	10 yrs	80	1.20%	3.00%	87.50%		07/20/10	0-75: 6.00+ 76-UP: 4.50+ see notes
	Fixed @ 3.00% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point 1-Year Lehman Bros. US Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Advantage Gold	10 yrs	80	5.00%	3.00%	84.00%		07/20/10	see notes
	Traditional Fixed Value @ 2.60% 1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Point-to-Point Cap 1 Year Lehman Brothers U.S. Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Benefit Gold (ICC10 IDX 110*)	10 yrs	(NQ)	5.00%	2.25%	87.50%		07/20/10	0-75: 5.25+ 76-80: 3.94+ see notes
	Fixed @ 2.60% S&P 500 Monthly Point-to-Point S&P 500 Monthly Average w/Cap S&P 500 Point-to-Point w/Cap 10-Year US Treasury Bond w/ Cap
Amer. Equity Investment Life Ins. Co. Millenium Platinum (Index-6-05)	10 yrs	(NQ)		3.00%	87.50%		07/20/10
	Fixed @ 3.00% S&P 500 Monthly Average w/ PR S&P 500 Annual Point-to-Point w/ PR S&P 500 Monthly Point-to-Point Lehman Bros. U.S. Treasury Annual Point-to-Point
Amer. Equity Investment Life Ins. Co. Retirement Gold (RG-FIA-09)	10 yrs	(NQ)	6.00%	2.25%	87.50%		07/20/10	0-78: 5.25+ see notes
	Fixed @ 2.50% S&P 500 Monthly Average w/ Participation S&P500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P500 Point-to-Point w/ Cap S&P500 Monthly Cap
Amer. General Life Ins. Co. AG Global Bonus Index Annuity	10 yrs	80	5.00%	2.00%	100%	$1,280	08/27/10	0-75: 7.00 76-80: 4.50
	Fixed Interest Account @ 2.00% Global Multiple Index Account with Cap Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap
Amer. General Life Ins. Co. Vision Maximizer	10 yrs	75	5.00%	2.00%	90.00%	$1,152	08/27/10	0-75: 8.00+ see notes
	Fixed Interest Account @ 2.00% Monthly Average Account with Index Spread Annual Point-to-Point Account with Cap Annual Point-to-Point Account with Adjustable Participation
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten -Low	10 yrs	85		1.75%	87.50%	$1,041	06/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Guaranteed One Year @ 2.30% S&P 500 One Year Point-to-Point w/ Cap S&P 500 One Year Point-to-Point w/ Participation
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten -High	10 yrs	85		1.75%	87.50%	$1,041	06/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	S&P 500 One Year Point-to-Point w/ Cap S&P 500 One Year Point-to-Point w/ Participation Guaranteed One Year @ 2.65%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten Plus -Low	10 yrs	85	6.00%	1.75%	87.50%	$1,103	06/01/10	0-75: 7.00+ 76-80: 5.25+ 81-85: 3.50+ see notes
	Guaranteed One Year @ 1.75% S&P 500 One Year Point-to-Point w/ Cap S&P 500 One Year Point-to-Point with Participation
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten Plus -High	10 yrs	85	6.00%	1.75%	87.50%	$1,103	06/01/10	0-75: 7.00+ 76-80: 5.25+ 81-85: 3.50+ see notes
	Guaranteed One Year @ 2.05% S&P 500 One Year Point-to-Point with Participation S&P 500 One Year Point-to-Point w/ Cap
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE -Low	10 yrs	85		1.00%	87.50%	$ 967	06/01/10	0-70: 8.00+ 71-75: 6.00+ 76-80: 4.00+ 81-85: 4.00+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 2.55% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE -High	10 yrs	85		1.00%	87.50%	$ 967	06/01/10	0-70: 8.00+ 71-75: 6.00+ 76-80: 4.00+ 81-85: 4.00+ see notes
	S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy Guaranteed One-Year Fixed Interest Crediting @ 2.80%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 5 -Low	10 yrs	85	5.00%	1.00%	87.50%	$1,015	06/01/10	0-70: 7.50+ 71-75: 5.63+ 76-80: 3.75+ 81-85: 2.00+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 2.05% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 5 -High	10 yrs	85	5.00%	1.00%	87.50%	$1,015	06/01/10	0-70: 7.50+ 71-75: 5.63+ 76-80: 3.75+ 81-85: 2.00+ see notes
	S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy Guaranteed One-Year Fixed Interest Crediting @ 2.30%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 8 -Low	10 yrs	85	8.00%	1.00%	87.50%	$1,044	06/01/10	0-70: 7.00+ 71-75: 5.25+ 76-80: 3.50+ 81-85: 1.75+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 1.55% S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy S&P 500® One-Year Point-to-Point Strategy Caped
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 8 -High	10 yrs	85	8.00%	1.00%	87.50%	$1,044	06/01/10	0-70: 7.00+ 71-75: 5.25+ 76-80: 3.50+ 81-85: 1.75+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 1.80% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® Two-Year Monthly Average Strategy S&P 500® Five-Year Point-to-Point Strategy S&P 500® One-Year Point-to-Point Strategy Participation Rate
Amer. Natl. Ins. (Legacy) BenchMark Reliance Extra	10 yrs	90		1.20%	100%	$1,127	06/01/10	0-75: 7.00 76-90: 5.50
	Guaranteed One Year Guaranteed One Year Current Market Index 10 Year Treasury Index Corporate Bond
Amer. Natl. Ins. (Legacy) BenchMark Reliance Extra 2	10 yrs	90		1.20%	100%	$1,127	06/01/10	0-75: 6.30 76-90: 4.80
	Guaranteed One Year Guaranteed One Year Current Market Index 10 Year Treasury Index Corporate Bond
Amer. Natl. Ins. (Legacy) BenchMark Reliance Extra 4	10 yrs	85		1.20%	100%	$1,127	06/01/10	0-75: 5.60 76-85: 4.10
	Guaranteed One Year Guaranteed One Year Current Market Index 10 Year Treasury Index Corporate Bond
Amer. Natl. Ins. (Legacy) BenchMark Reliance Extra 6	10 yrs	85		1.20%	100%	$1,127	06/01/10	0-75: 4.90 76-85: 3.40
	Guaranteed One Year One Year Current Market Index 10 Year Treasury Index Corporate Bond
Amer. Natl. Ins. (Legacy) BenchMark Reliance Extra 8	10 yrs	80		1.20%	100%	$1,127	06/01/10	0-75: 3.70 76-80: 2.20
	Guaranteed One Year Guaranteed One Year Current Market Index 10 Year Treasury Index Corporate Bond
American National Ins. Co. ANICO Strategy Indexed Annuity 10	10 yrs	85		1.00%	100%	$1,105	09/01/10	see notes
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Americo Elite Provider	10 yrs	85		1.10%	100%	$1,116	08/01/10
	Fixed @ 2.75% 1 - Year S&P 500 Monthly Averaging Capped 1 - Year S&P 500 Point to Point Uncapped 1 - Year S&P 500 Point to Point Capped
Americo Future Provider	10 yrs	0 (NQ)		2.00%	100%	$1,219	08/01/10	0-80: 8.25 81-85: 6.50 86-90: 3.00
	Fixed @ 2.75% S&P 500 Point-to-Point No Cap S&P 500 Point-to-Point with Cap S&P 500 Point-to-Point The EZ Option S&P 500 Monthly Averaging Nasdaq 100 Point-to-Point No Cap
Americo Future Provider Bonus	10 yrs	(NQ)	4.00%	2.00%	100%	$1,268	08/01/10	0-80: 6.25 81-85: 5.00
	Fixed @ 2.50% S&P 500 Point-to-Point No Cap S&P 500 Point-to-Point with Cap S&P 500 Point-to-Point EZ Option S&P 500 Monthly Averaging Nasdaq 100 Point-to-Point
Annuity Investors Life (Great Amer. Life) FlexMax Plus	10 yrs	85	2.00%	1.25-2.00%	100%	$1,243	08/21/10	see notes
	Declared Rate @ 2.00% 1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap
Aviva Life & Annuity MultiChoice Income Elite -Low	10 yrs	78		1.00%	100%	$1,105	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	Fixed Strategy @ 2.40% 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	78		1.00%	100%	$1,105	08/06/10	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 Index Strategy 1-Year Point-to-Point Participation Index Strategy Fixed Strategy @ 3.20% 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	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00% 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	78	5.00%	1.00%	100%	$1,160	08/06/10	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 (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus S -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed Strategy @ 2.00% 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation 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 S -High	10 yrs	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy Fixed Strategy @ 2.00% 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®)
Aviva Life & Annuity MultiChoice Income Ten -Low	10 yrs	78		1.00%	100%	$1,105	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00% 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	78		1.00%	100%	$1,105	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.40% 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 (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Xtra -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Fixed Strategy @ 2.00% 1-Year Average Index Strategy (no spread) 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Multiple Index Strategy (no spread) 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 Xtra -High	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Average Index Strategy (no spread) 1-Year Fixed Strategy @ 2.15% 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®) 1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity MultiChoice Ten -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 1.65% 1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Ten -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	1-Year Point-to-Point S&P 500 Index Fixed Strategy @ 2.45% 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Xtra -Low	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 1.65% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Xtra -High	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.20% 1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity MultiChoice Xtra (S) -Low	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 1.55% 1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Xtra (S) -High	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy Fixed Strategy @ 1.55%
Aviva Life and Annuity Income Preferred Bonus -Low	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 1.65% 1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity Income Preferred Bonus -High	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.20% 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy
Aviva Life and Annuity Income Preferred Ten -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 1.65% 1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life and Annuity Income Preferred Ten -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.45% 1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity Income Select 10 -Low	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.00% 1-Year S&P500 Point-to-Point 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point DJ EUROSTOXX 50 1-Year Point-to-Point Hang Seng
Aviva Life and Annuity Income Select 10 -High	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.40% 1-Year S&P500 Point-to-Point 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point Hang Seng 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life and Annuity Income Select Bonus -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.00% 1-Year Multiple Index Strategy 1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation 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 and Annuity Income Select Bonus -High	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.15% 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®) 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy 1-Year Multiple Index Strategy
Aviva Life and Annuity Income Select Platinum -Low	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year Fixed @ 2.40% 1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy 1 - Year Point to Point Hang Seng Index 1-Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity Income Select Platinum -High	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy 1-Year Fixed @ 3.20% 1-Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Plus -Low	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.00% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation 1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Plus -High	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.20% 1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity Income Select Plus S -Low	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed @ 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index 1-Year S&P 500 Point-to-Point w/ Participation 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap
Aviva Life and Annuity Income Select Plus S -High	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed @ 2.00% 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation 1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Dearborn National Index Fortifier X	10 yrs	85	5.00%	1.05%	100%	$1,166	08/01/10	0-74: 8.50 75-85: 6.00
	Fixed @ 1.75% Annual Point-to-Point Monthly Point-to-Point Monthly Average
EquiTrust Life Ins. Co. Market Value Index	10 yrs	80		1.00%	87.50%	$ 967	09/02/10	0-80: 6.50
	1-Year Fixed Interest Account @ 2.40% 2-Year Monthly Average Cap Index Account 1-Year Average Participation Index Account 1-Year Monthly Cap Index Account 1-Year Point-to-Point Cap Index Account 1-Year Monthly Average Cap Index Account
Great Amer. Life Ins. Co. American Icon II	10 yrs	85	1.50%	1.00-2.00%	100%	$1,237	08/21/10	Qualified 18-75: 5.00+ 76-80: 4.00+ 81-85: 1.50+ Non-Qualified 0-75: 5.00+ 76-80: 4.00+ 81-UP: 1.50+ see notes
	Declared Rate Strategy @ 2.00% 1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point
Great Amer. Life Ins. Co. Safe Return	10 yrs	85		1.00-2.00%	100%	$1,219	08/21/10	Qualified 18-75: 6.50+ 76-80: 5.50+ 81-85: 2.50+ Non-Qualified 0-75: 6.50+ 76-80: 5.50+ 81-85: 2.50+ see notes
	Declared Rate Strategy @ 2.00% 1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap
ING USA Annuity and Life ING Secure Index Opportunities Plus -Low	10 yrs	80	5.00%	2.00%	87.50%	$1,120	09/01/10	0-80: 7.00+ see notes
	Fixed Rate Strategy @ 1.50% Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Secure Index Opportunities Plus -High	10 yrs	80	5.00%	2.00%	87.50%	$1,120	09/01/10	0-80: 7.00+ see notes
	Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
ING USA Annuity and Life ING Secure Index Outlook Annuity -Low	10 yrs	80	3.00%	2.00%	87.50%	$1,099	09/01/10	0-80: 6.00+ see notes
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
ING USA Annuity and Life ING Secure Index Outlook Annuity -High	10 yrs	80	3.00%	2.00%	87.50%	$1,099	09/01/10	0-80: 6.00+ see notes
	Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Investors Ins. (Legacy) MarkOneSE	10 yrs	85					09/01/10	0-75: 7.00 76-86: 3.50
	Fixed Account @ 3.00% S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point S&P 500 5-Year Point-to-Point
Lincoln Benefit Life Saver's Index Annuity Premier -Low	10 yrs	85	3.00%	1.50%	100%	$1,195	08/30/10	0-75: 3.45+ 76-85: 2.40+ see notes
	Fixed @ 1.00% 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low WaterMark 1-Year S&P 500 Monthly Average w/Cap 1-Year S&P 500 Monthly Cap
Lincoln Benefit Life Saver's Index Annuity Premier -High	10 yrs	85	3.00%	1.50%	100%	$1,195	08/30/10	0-75: 3.45+ 76-85: 2.40+ see notes
	Fixed @ 1.00% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average w/Cap 1-Year S&P 500 Point-to-Point Low WaterMark 1-Year S&P 500 Point-to-Point
Lincoln Benefit Life Savers Index III -Low	10 yrs	85 (NQ)		3.00%	90.00%	$1,210	08/30/10	0-75: 3.45+ 76-90: 2.40+ see notes
	Option 1 Account B
Lincoln Benefit Life Savers Index III -High	10 yrs	85 (NQ)		3.00%	90.00%	$1,210	08/30/10	0-75: 3.45+ 76-90: 2.40+ see notes
	Option 1 Account B
Lincoln Benefit Life Savers Index III (ROP) Low-Band Product has been withdrawn from sale effective 08/16/2010
Lincoln Benefit Life Savers Index III (ROP) High-Band Product has been withdrawn from sale effective 08/16/2010
Lincoln Financial Group Lincoln OptiPoint 10 -Low	10 yrs	80	3.00%	1.80%	100%	$1,231	09/01/10	0-75: 3.50 76-80: 2.37 see notes
	Fixed @ 2.10% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 10 -High	10 yrs	80	4.00%	1.80%	100%	$1,243	09/01/10	0-75: 3.50 76-80: 2.37 see notes
	2-Year Monthly Cap 2-Year Point to Point Performance Triggered Fixed @ 2.10%
North American Company Charter 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	09/01/10	0-75: 7.50+ 76-79: 5.63+ see notes
	1-Year Fixed @ 2.00% 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point 1- Year Hindsight Index 1-Year S&P 500 Monthly Point-to-Point Capped 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company Freedom Choice (5%) 10 -Low	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 2.85% 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
North American Company Freedom Choice (5%) 10 -High	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 3.20% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
North American Company Freedom Choice 10 -Low	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 2.45% 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point NASDAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400
North American Company Freedom Choice 10 -High	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 2.90% 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company North American Paramount Choice Ten	10 yrs	(NQ)	10.00%	1.10%	87.50%	$1,074	09/01/10	0-75: 6.50+ 76-79: 4.88+ see notes
	Fixed @ 1.35% S&P 400 Monthly Averaging S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point Dow Jones Industrial Annual Point-to-Point Dow Jones Industrial Monthly Averaging DJ EuroSTOXX 50 Annual Point-to-Point Russell 2000 Annual Point-to-Point Russell 2000 Monthly Averaging Nasdaq100 Monthly Point-to-Point Nasdaq 100 Annual Point-to-Point
North American Company North American Prizm Plus 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	09/01/10	0-75: 7.50+ 76-79: 5.63+ see notes
	1-Year Fixed @ 2.00% 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Dow Jones Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Russell 2000 Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company North American Ten	10 yrs	79	10.00%	3.00%	100%	$1,478	09/01/10	0-75: 6.50+ 76-79: 4.88+ see notes
	1-Year Fixed Account @ 1.30% 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point 1-Year Nasdaq 100 Annual Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Russell 2000 Monthly Average 1-Year S&P 400 Annual Point-to-Point 1-Year S&P 400 Monthly Average 1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point 1 - Year Hindsight Index Strategy
North American Company Pillar	10 yrs	(NQ)	5.00%				09/01/10	0-75: 6.50+ 76-79: 4.88+ see notes
	Fixed @ 1.65% S&P 500 Daily Averaging w/ Participation S&P 500 Annual Point-to-Point w/Participation S&P 500 Annual Point-to-Point w/ Cap S&P 500 Monthly Point-to-Point
North American Company Precision 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	09/01/10	0-75: 7.50+ 76-79: 5.63+ see notes
	Fixed @ 2.00% S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point Nasdaq-100 Annual Point-to-Point 1 - Year Hindsight Index Strategy Dow Jones EuroStoxx 50 Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point Nasdaq - 100 Monthly Point-to-Point Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point
OM Financial Life Ins. Co. OM Index-Accelerator 10	10 yrs	85	8.00%	1.00-1.10%	87.50%	$1,054	09/01/10	0-79: 8.00+ 80-85: 4.00+ see notes
	1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 2-Year S&P 500 Monthly Average with Cap Fixed Interest Option @ 1.10%
OM Financial Life Ins. Co. OM Index-Escalator 10	10 yrs	85	1.00%	1.00%	87.50%	$ 976	09/01/10	0-79: 6.50+ 80-85: 3.25+ see notes
	Fixed Account @ 1.25% 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
OM Financial Life Ins. Co. OM Index-Safety 10 -Low	10 yrs	85		2.50%	100%	$1,280	09/01/10	0-79: 7.00+ 80-85: 3.50+ see notes
	1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap Fixed Account @ 1.75%
OM Financial Life Ins. Co. OM Index-Safety 10 -High	10 yrs	85		2.50%	100%	$1,280	09/01/10	0-79: 7.00+ 80-85: 3.50+ see notes
	Fixed Account @ 2.00% 1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap
Phoenix Life Insurance Co. Phoenix Reflections 10 -Low	10 yrs	80		1.00%	87.50%	$ 967	09/01/10
	Fixed Account @ 2.75% 1 Year S&P 500® Point-to-Point Indexed Account 1 Year S&P 500 Performance Trigger 1 Year Global Look Back 1 Year Domestic Look Back
Phoenix Life Insurance Co. Phoenix Reflections 10 -High	10 yrs	80		1.00%	87.50%	$ 967	09/01/10
	1 Year S&P 500 Performance Trigger 1 Year S&P 500® Point-to-Point Indexed Account Fixed Account @ 2.75% 1 Year Domestic Look Back 1 Year Global Look Back
Phoenix Life Insurance Co. Phoenix Reflections Bonus 10 -Low	10 yrs	80	5.00%	1.00%	87.50%	$1,015	09/01/10
	Fixed Account @ 2.50% 1 Year S&P 500® Point-to-Point Indexed Account 1 Year S&P 500 Performance Trigger 1 Year Domestic Look Back 1 Year Global Look Back
Phoenix Life Insurance Co. Phoenix Reflections Bonus 10 -High	10 yrs	80	5.00%	1.00%	87.50%	$1,015	09/01/10
	1 Year S&P 500® Point-to-Point Indexed Account 1 Year S&P 500 Performance Trigger Fixed Account @ 2.50% 1 Year Domestic Look Back 1 Year Global Look Back
Phoenix Life Insurance Co. Phoenix Index Select -Low	10 yrs	85		1.00%	87.50%	$ 967	09/01/10	0-75: 7.50 76-85: 5.00
	Point-to-Point Indexed Account - 1 year S&P 500® Soft Landing Indexed Account - 5 year S&P 500® Fixed Account @ 2.75% Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50® Point-to-Point Indexed Account - 1 year DJIA® Point to Point Indexed Account - 1 Year Balanced Allocation
Phoenix Life Insurance Co. Phoenix Index Select -High	10 yrs	85		1.00%	87.50%	$ 967	09/01/10	0-75: 7.50 76-85: 5.00
	Fixed Account @ 2.75% Soft Landing Indexed Account - 5 year S&P 500® Point-to-Point Indexed Account - 1 year S&P 500® Point to Point Indexed Account - 1 Year Balanced Allocation Point-to-Point Indexed Account - 1 year DJIA® Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Phoenix Life Insurance Co. Phoenix Index Select Bonus -Low	10 yrs	85	5.00%	1.00%	87.50%	$1,015	09/01/10	0-75: 7.50 76-85: 5.00
	Soft Landing Indexed Account - 5 year S&P 500® Point-to-Point Indexed Account - 1 year S&P 500® Fixed Account @ 2.50% Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50® Point-to-Point Indexed Account - 1 year DJIA® Point to Point Indexed Account - 1 Year Balanced Allocation
Phoenix Life Insurance Co. Phoenix Index Select Bonus -High	10 yrs	85	5.00%	1.00%	87.50%	$1,015	09/01/10	0-75: 7.50 76-85: 5.00
	Fixed Account @ 2.50% Point-to-Point Indexed Account - 1 year S&P 500® Soft Landing Indexed Account - 5 year S&P 500® Point to Point Indexed Account - 1 Year Balanced Allocation Point-to-Point Indexed Account - 1 year DJIA® Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
RBC Insurance RBC Choice 10 SPDA	10 yrs	85		1.00%	87.50%	$ 967	09/01/10	0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+ see notes
	1-Year Fixed Account @ 2.05% 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
RBC Insurance RBC Enhanced Choice 10 SPDA	10 yrs	85	5.00%	1.00%	87.50%	$1,015	09/01/10	0-75: 7.00+ 76-79: 5.00+ 80-85: 3.00+ see notes
	Fixed Account @ 1.05% 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account 1-Year DJIA Monthly Average Indexed Account
Reliance Standard Life Keystone 10 Index Annuity	10 yrs	85		1.15%	87.50%	$ 981	09/02/10	0-80: 8.00 81-85: 4.80
	Fixed Interest Strategy @ 2.95% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate
Surrender Charges Last 9 Years
Amer. General Life Ins. Co. VisionAdvantage 9	9 yrs	80		2.00%	90.00%	$1,076	08/27/10	0-75: 6.00 76-80: 5.00
	Fixed Interest Account @ 2.30% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
Americo Ultimate One Index 9	9 yrs	(NQ)		2.00%	100%	$1,195	08/01/10	0-80: 9.00 81-85: 7.00 see notes
	Point-to-Point with Participation Rate Point-to-Point with Cap Monthly Averaging with Participation Rate Monthly Averaging with Cap Fixed @ 3.00%
Americo Ultimate One Index 9 Bonus	9 yrs	(NQ)	4.00%	2.00%	100%	$1,243	08/01/10
	Fixed @ 2.50% S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Averaging w/ Participation S&P 500 Monthly Averaging w/ Cap
Dearborn National Index Fortifier IX	9 yrs	85		1.05%	100%	$1,099	08/01/10	0-75: 6.50 76-85: 3.75
	1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average w/Cap Fixed @ 2.50%
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	09/01/10	0-80: 6.50+ see notes
	Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -High	9 yrs	80		1.00%	100%	$1,094	09/01/10	0-80: 6.50+ see notes
	Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	09/01/10	0-80: 1.50+ see notes
	Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity -High	9 yrs	80		1.00%	100%	$1,094	09/01/10	0-80: 1.50+ see notes
	Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
Investors Ins. (Legacy) PremierMark SE	9 yrs	(NQ)		1.00%	87.50%		09/01/10	0-80: 7.00 81-90: 3.50
	Guaranteed One-Year Strategy @ 1.50% 3 Year Blended Index S&P 500 Monthly Averaging Annual Reset Strategy S&P 500 Point-to-Point Annual Reset Strategy Gold Annual Point-to-Point
Investors Ins. (Legacy) PremierMark SE Plus (10%)	9 yrs	(NQ)	10.00%	1.00%	87.50%		09/01/10	0-80: 2.50
	Fixed @ 1.50% 3 Year Blended Index Monthly Avg. S&P 500 Monthly Average S&P 500 Annual Point-to-Point Gold Point-to-Point
Investors Ins. (Legacy) PremierMark SE Plus (7%)	9 yrs	(NQ)	7.00%	1.00%	87.50%		09/01/10	0-80: 4.00
	Fixed @ 1.50% S&P 500 Monthly Average S&P 500 Annual Point-to-Point Gold Annual Point-to-Point 3 Year Blended Montly Avg
Lincoln Financial Group Lincoln OptiChoice 9 -Low	9 yrs	80		1.75%	100%	$1,169	09/01/10	0-75: 7.00+ 76-80: 5.25+ see notes
	Fixed @ 1.90% 1-Year Point-to-Point 1-Year Monthly Average 1-Year Monthly Cap
National Western Life NWL Global Lookback	9 yrs	80 (NQ)		1.50%	87.50%	$1,000	08/06/10	Qualified 0-70: 7.00+ 71-75: 4.50+ 76-80: 2.50+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Interest Rate @ 3.20% Option A: S&P 500 Monthly Average Option D: S&P 500 Monthly Cap Option J: S&P 500 Point-to-Point w Cap Option K: Global Lookback
National Western Life NWL Ultra Future (2% Bonus states)	9 yrs	85 (NQ)	2.00%	3.00%			08/06/10
	Fixed @ 3.30% Option A: S&P 500 Monthly Average Option D: S&P 500 Monthly Cap
National Western Life NWL Ultra Value	9 yrs	80 (NQ)	2.00%	1.50%	87.50%	$1,020	08/06/10	Qualified 0-70: 6.00+ 71-75: 3.50+ 76-80: 2.50+ Non-Qualified 0-75: 6.00+ 76-80: 4.00+ see notes
	Option B: Fixed Interest Rate @ 3.30% Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset
OM Financial Life Ins. Co. OM Index-Spectrum 9	9 yrs	85	3.00%	1.00-1.10%	103.00%	$1,171	09/01/10	0-79: 9.00 80-85: 4.50 see notes
	Fixed Account @ 1.50% 1-Year S&P 500 Monthly Point-to-Point 2-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point

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