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Fixed Indexed Annuities
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Surrender Charges Last 12 Years
OM Financial Life Insurance Company
Loyalty Rewards Escalator 12
Fixed
Fixed 12
Years 		1.00 11/01/08 3.75% 1-Yr Fixed 0-79: 7.50
80-85: 3.75
Min Rates: 1.00-1.95
OM Financial Life Insurance Company
Loyalty Rewards Escalator 12
1-Year S&P 500 Monthly Averaging
S&P 500 Point to Point 12
Years 		1.00 11/01/08     9.50 0-79: 7.50
80-85: 3.75
Annual Monthly Min Rates: 100   3.00
OM Financial Life Insurance Company
Loyalty Rewards Escalator 12
1-Year S&P 500 Annual Point-to-Point
S&P 500 Point to Point 12
Years 		1.00 11/01/08     7.60 0-79: 7.50
80-85: 3.75
Annual None Min Rates: 100   3.00
OM Financial Life Insurance Company
Loyalty Rewards Escalator 12
1-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 12
Years 		1.00 11/01/08     2.25 0-79: 7.50
80-85: 3.75
Annual Monthly Sum Min Rates: 100   1.00
Surrender Charges Last 10 Years
American General Life Insurance Company
AIG Global Bonus Index
Fixed Interest Account
Fixed 10
Years 		5.00 11/05/08 4.45% 1-Yr Fixed 0-75: 7.00
76-80: 4.50
Min Rates: 2.00
OM Financial Life Insurance Company
Safety Index 10
Fixed
Fixed 10
Years 		  11/01/08 4.50% 7 Yrs Fixed 0-79: 7.00
80-85: 3.50
7-Year Min Rates: 3.00
American Investors
Income Select Bonus
1 - Year Fixed
Fixed 10
Years 		10.00 11/03/08 3.30% 1-Yr Fixed 0-80: 8.00
Min Rates: 1.00
ING USA Annuity and Life
ING Secure Index Opportunities Plus
Fixed
Fixed 10
Years 		5.00 10/29/08 3.75% 1-Yr Fixed 0-80: 8.00
Min Rates: 1.50
ING USA Annuity and Life
ING Secure Index Opportunities Plus
Fixed
Fixed 10
Years 		5.00 10/29/08 3.75% 1-Yr Fixed 0-80: 8.00
Min Rates: 1.50
OM Financial Life Insurance Company
Safety Index 10
Fixed
Fixed 10
Years 		  11/01/08 4.20% 7 Yrs Fixed 0-79: 7.00
80-85: 3.50
7-Year Min Rates: 3.00
American Investors
Income Select Bonus
1 - Year Fixed
Fixed 10
Years 		10.00 11/03/08 3.10% 1-Yr Fixed 0-80: 8.00
Min Rates: 1.00
American Investors
Income Select Plus
Fixed
Fixed 10
Years 		5.00 11/03/08 3.55% 1-Yr Fixed 0-80: 8.50
81-82: 7.00
Annual None Min Rates: 2.00
American Investors
Income Select Plus
Fixed
Fixed 10
Years 		5.00 11/03/08 3.35% 1-Yr Fixed 0-80: 8.50
81-82: 7.00
Annual None Min Rates: 2.00
OM Financial Life Insurance Company
Loyalty Rewards Escalator 10
Fixed
Fixed 10
Years 		1.00 11/01/08 3.75% 1-Yr Fixed 0-79: 6.50
80-85: 3.25
Min Rates: 1.00-1.95
Forethought Financial
Destination Income 15
Fixed
Fixed 10
Years 		  09/19/08 3.00% 1-Yr Fixed
Min Rates: 3.00
Forethought Financial
Destination Income 15
Fixed
Fixed 10
Years 		  09/19/08 3.00% 1-Yr Fixed
Min Rates: 3.00
Forethought Financial
Destination Income 15
Fixed
Fixed 10
Years 		  09/19/08 3.00% 1-Yr Fixed
Min Rates: 3.00
American Investors
Income Select Bonus
1 - Year S&P 500 Uncapped Average
S&P 500 Point to Point 10
Years 		10.00 11/03/08   8.00   0-80: 8.00
Annual Monthly Min Rates: 100 8.00 100.00
American Investors
Income Select Bonus
1 - Year Point to Point Dow Jones EUROSTOXX 50
DJ EuroStoxx 50 Point to Point 10
Years 		10.00 11/03/08     7.50 0-80: 8.00
Annual None Min Rates: 100   4.00
American Investors
Income Select Bonus
1 - Year S&P 500 Point-to-Point
S&P 500 Point to Point 10
Years 		10.00 11/03/08     6.75 0-80: 8.00
Annual None Min Rates: 100 0.00 4.00
Showing 1-20 of 118    Display: Page:   1 | 2 | 3 | 4 | 5 | 6

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

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