Fixed Indexed Brief

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 5 Years
ING USA Annuity and Life	ING Secure Index Five Low-Band	5		1.50	100.00	$1,077		up to 4.00%
ING USA Annuity and Life	ING Secure Index Five High-Band	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) Low-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) High-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
The Standard	Index Growth Annuity 5 Low-Band	5		1.00	100.00	$1,051		up to 4.00%
The Standard	Index Growth Annuity 5 High-Band	5		1.00	100.00	$1,051		up to 4.00%
The Standard	Index Growth Annuity 5 w PG Low-Band	5		1.00	100.00	$1,051		up to 4.00%
The Standard	Index Growth Annuity 5 w PG High-Band	5		1.00	100.00	$1,051		up to 4.00%
Aviva Life and Annuity	Income Select 5 Low-Band [MVA]	5		2.75	87.50	$1,002		up to 3.00%
Aviva Life and Annuity	Income Select 5 High-Band [MVA]	5		2.75	87.50	$1,002		up to 3.00%
Reliance Standard Life	Keystone 5 Index Annuity	5		1.15	87.50	$ 926		up to 4.00%
Allianz Life	Endurance Elite	5		1.00	87.50	$ 920		up to 5.00%
Allianz Life	Allianz Pro V1 [LOAN]	5						up to 3.25%
North American Company	North American Formula Choice [TSA, MVA, LOAN]	5						up to 5.00%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
American National Ins. Co.	ANICO EIA	6		1.50-3.00	90.00	$1,075	09/01/10	up to 5.00%
OM Financial Life Ins. Co.	OM Index-Escalator 6	6	1.00	1.00	87.50	$ 938		up to 4.00%
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
Aviva Life and Annuity	Income Preferred Six Low-Band	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life and Annuity	Income Preferred Six High-Band	6		1.00	87.50	$ 929		up to 5.00%
Amer. Equity Investment Life Ins. Co.	Integrity Gold (Index 5-07)	6		3.00	87.50			up to 4.13%
Surrender Charges Last 7 Years
OM Financial Life Ins. Co.	OM Index-Safety 7 Low-Band	7		2.50	100.00	$1,189		up to 5.50%

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

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"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

For use by licensed insurance agents/brokers only - not authorized for use by the public.