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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	States	Additional Information
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	Only Available in: DE OK	Request Broker Kit
	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	Not Available in: AK AL CT DE MN NY OK OR PR TX UT VI WA	Request Broker Kit
	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 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		07/20/10	Not Available in: AK AL CT DE MN NV NY OR PA PR SC UT VI WA	Request Broker Kit
	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
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	Only Available in: WA	Request Broker Kit
	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	Not Available in: AL CT DE MN NY OR PR TX UT VI WA	Request Broker Kit
	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	Not Available in: AK CT MN NJ NY OK OR PR TX UT VI VT WA	Request Broker Kit
	Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.00%
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	09/01/10	Not Available in: AK CT DE MN NY OR TX UT WA	Request Broker Kit
	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	Not Available in: AK CT DE MN NY OR TX UT WA	Request Broker Kit
	Fixed @ 2.10% 2-Year Point to Point 2-Year Monthly Cap Performance Triggered
Surrender Charges Last 10 Years
Aviva Life & Annuity MultiChoice Advantage -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	Request Broker Kit
	Fixed Strategy @ 2.25%
Aviva Life & Annuity MultiChoice Advantage -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	Request Broker Kit
	Fixed Strategy @ 1.65%
American National Ins. Co. Value Lock 10	10 yrs	80		1.75%	90.00%	$1,071	09/01/10	Not Available in: MA MN ND NJ NY OR PR VI VT	Request Broker Kit
	S&P 500 10 Year Point-to-Point
Amer. Equity Investment Life Ins. Co. 10/10 Gold (Index 6-05)	10 yrs	80	1.20%	3.00%	87.50%		07/20/10	Not Available in: AL IN MS NJ NY PR TX VI WA	Request Broker Kit
	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	Not Available in: AK AL CT DE MN NY OR PA PR UT VI WA	Request Broker Kit
	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	Only Available in: AK MN UT WA	Request Broker Kit
	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	Only Available in: WA	Request Broker Kit
	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	Only Available in: AK DE OR SC	Request Broker Kit
	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	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA	Request Broker Kit
	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	Not Available in: AK DE IL MN MS NJ NY OR PA PR TX UT VI VT WA	Request Broker Kit
	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
American National Ins. Co. ANICO Strategy Indexed Annuity 10	10 yrs	85		1.00%	100%	$1,105	09/01/10	Not Available in: MA MN NY OR PA PR UT VI VT	Request Broker Kit
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Aviva Life & Annuity MultiChoice Income Elite -Low	10 yrs	78		1.00%	100%	$1,105	08/06/10	Only Available in: AK CA IN MS SC VA	Request Broker Kit
	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	Only Available in: AK CA IN MS SC VA	Request Broker Kit
	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	Only Available in: AK CA IN MS NJ SC TX UT VA	Request Broker Kit
	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	Only Available in: AK CA IN MS NJ SC TX UT VA	Request Broker Kit
	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	Only Available in: CT DE MN OR PA WA	Request Broker Kit
	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	Only Available in: CT DE MN OR PA WA	Request Broker Kit
	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	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	Request Broker Kit
	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	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	Request Broker Kit
	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	Only Available in: CA IN MS NJ SC TX VA	Request Broker Kit
	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	Only Available in: CA IN MS NJ SC TX VA	Request Broker Kit
	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	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC VA VI WA	Request Broker Kit
	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	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC VA VI WA	Request Broker Kit
	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	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC TX UT VA VI WA	Request Broker Kit
	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	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC TX UT VA VI WA	Request Broker Kit
	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	Only Available in: TX	Request Broker Kit
	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	Only Available in: TX	Request Broker Kit
	1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy Fixed Strategy @ 1.55%
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	Not Available in: AK CT DE MN NJ NY OR PR VI WA	Request Broker Kit
	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	Not Available in: AK CT DE MN NJ NY OR PR VI WA	Request Broker Kit
	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	Only Available in: AK CT DE MN NJ PA UT WA	Request Broker Kit
	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	Only Available in: AK CT DE MN NJ PA UT WA	Request Broker Kit
	Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Lincoln Benefit Life Saver's Index Annuity Premier -Low	10 yrs	85	3.00%	1.50%	100%	$1,195	08/30/10	Not Available in: AK CT MN NJ NY PA PR UT VI WA	Request Broker Kit
	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	Not Available in: AK CT MN NJ NY PA PR UT VI WA	Request Broker Kit
	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	Not Available in: NY OR PR VI	Request Broker Kit
	Option 1 Account B
Lincoln Benefit Life Savers Index III -High	10 yrs	85 (NQ)		3.00%	90.00%	$1,210	08/30/10	Not Available in: NY OR PR VI	Request Broker Kit
	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	Not Available in: AK MN NY OR UT	Request Broker Kit
	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	Not Available in: AK MN NY OR UT	Request Broker Kit
	2-Year Monthly Cap 2-Year Point to Point Performance Triggered Fixed @ 2.10%
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	Not Available in: CT MA MN NY OR PR UT VI	Request Broker Kit
	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	Not Available in: NY OR PR VI WA	Request Broker Kit
	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	Not Available in: CT MN NY OK OR PR UT VI	Request Broker Kit
	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	Not Available in: CT MN NY OK OR PR UT VI	Request Broker Kit
	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
OM Financial Life Ins. Co. (NY) OMNY Index-Spectrum 10	10 yrs	85	2.00%	1.00%	100%	$1,127	09/01/10	Only Available in: NY	Request Broker Kit
	S&P 500 Monthly Point-to-Point S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point Fixed @ 2.00%
Phoenix Life Insurance Co. Phoenix Reflections 10 -Low	10 yrs	80		1.00%	87.50%	$ 967	09/01/10	Not Available in: CA DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA CT DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA CT DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA CT DE ME NJ NV NY OR PR VI	Request Broker Kit
	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	Not Available in: CA CT DE ME NJ NV NY OR PR VI	Request Broker Kit
	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®
Surrender Charges Last 9 Years
Amer. General Life Ins. Co. AG HorizonIndex Annuity 9	9 yrs	85	4.00%	2.00%	90.00%	$1,119	08/27/10	Not Available in: AK MN NJ NY OK OR PR UT VI VT WA	Request Broker Kit
	Fixed Interest Account @ 2.00% Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Amer. General Life Ins. Co. VisionAdvantage 9	9 yrs	80		2.00%	90.00%	$1,076	08/27/10	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA	Request Broker Kit
	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
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	09/01/10	Not Available in: NY PR VI	Request Broker Kit
	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	Not Available in: NY PR VI	Request Broker Kit
	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	Not Available in: NY PR VI	Request Broker Kit
	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	Not Available in: NY PR VI	Request Broker Kit
	Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
Lincoln Financial Group Lincoln OptiChoice 9 -Low	9 yrs	80		1.75%	100%	$1,169	09/01/10	Not Available in: NY	Request Broker Kit
	Fixed @ 1.90% 1-Year Point-to-Point 1-Year Monthly Average 1-Year Monthly Cap
Lincoln Financial Group Lincoln OptiChoice 9 -High	9 yrs	80		1.75%	100%	$1,169	09/01/10	Not Available in: NY	Request Broker Kit
	1-Year Monthly Cap 1-Year Monthly Average 1-Year Point-to-Point Fixed @ 2.05%
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	Not Available in: NY OK OR PR UT VI VT	Request Broker Kit
	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
Surrender Charges Last 8 Years
Amer. General Life Ins. Co. AG Global 8 Index Annuity	8 yrs	80		2.00%	90.00%	$1,054	08/27/10	Not Available in: NY PR VI VT	Request Broker Kit
	Fixed Interest Account @ 2.00% Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap Global Multiple Index Account with Cap
Lincoln Financial Group Lincoln New Directions 8 -Low	8 yrs	85		2.00%	100%	$1,172	09/01/10	Not Available in: NY	Request Broker Kit
	Fixed @ 2.35% Performance Triggered 2-Year Point to Point
Lincoln Financial Group Lincoln New Directions 8 -High	8 yrs	85		2.00%	100%	$1,172	09/01/10	Not Available in: NY	Request Broker Kit
	Performance Triggered 2-Year Point to Point Fixed @ 2.50%
Lincoln Financial Group Lincoln OptiPoint 8 -Low	8 yrs	85	2.00%	1.60%	100%	$1,158	09/01/10	Not Available in: MN NY OR UT	Request Broker Kit
	Fixed @ 2.10% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 8 -High	8 yrs	85	3.00%	1.60%	100%	$1,169	09/01/10	Not Available in: MN NY OR UT	Request Broker Kit
	Performance Triggered 2-Year Point to Point 2-Year Monthly Cap Fixed @ 2.10%
OM Financial Life Ins. Co. OM Index-Escalator 8	8 yrs	85	1.00%	1.00%	87.50%	$ 957	09/01/10	Not Available in: NY OR PR VI WA	Request Broker Kit
	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
United States Life Ins. Co. (NY) AIG Global 8 Index	8 yrs	85		2.00%	90.00%	$1,054	07/28/10	Only Available in: NY	Request Broker Kit
	1-Year Fixed Account @ 2.00% 1-Year Monthly Additive Account Capped 1-Year Point-to-Point Account Participatin Rate 1-Year Global Multiple Index Account Capped
Surrender Charges Last 7 Years
American National Ins. Co. Value Lock 7	7 yrs	80		1.75%	90.00%	$1,016	09/01/10	Not Available in: IL MD MN ND NJ NY OR PR UT VI VT	Request Broker Kit
	S&P 500 7 Year Point-to-Point
Amer. General Life Ins. Co. VisionAdvantage 7	7 yrs	85		2.00%	90.00%	$1,034	08/27/10	Not Available in: CT DE MN NJ NY OR PA PR UT VI VT WA	Request Broker Kit
	Fixed Interest Account @ 2.00% 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
American National Ins. Co. ANICO Strategy Indexed Annuity 7	7 yrs	85		1.00%	90.00%	$ 965	09/01/10	Not Available in: MA MN NY OR PA PR UT VI VT	Request Broker Kit
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Annual Point-to-Point
Aviva Life & Annuity MultiChoice Income Seven -Low	7 yrs	81		1.00%	100%	$1,072	08/06/10	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	Request Broker Kit
	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 Seven -High	7 yrs	81		1.00%	100%	$1,072	08/06/10	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	Request Broker Kit
	Fixed Strategy @ 2.35% 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®)
ING USA Annuity and Life ING Secure Index Seven -Low	7 yrs	80		1.00%	100%	$1,072	09/01/10	Not Available in: NY OR PR VI	Request Broker Kit
	Fixed Rate Strategy @ 1.80% Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Secure Index Seven -High	7 yrs	80		1.00%	100%	$1,072	09/01/10	Not Available in: NY OR PR VI	Request Broker Kit
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Fixed Rate Strategy @ 1.80%
Lincoln Benefit Life Savers Index I -Low	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA	Request Broker Kit
	Option 2 Option 1
Lincoln Benefit Life Savers Index I -High	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA	Request Broker Kit
	Option 1 Option 2
Lincoln Benefit Life Savers Index I (ROP) -Low	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA	Request Broker Kit
	Option 1 Option 2
Lincoln Benefit Life Savers Index I (ROP) -High	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA	Request Broker Kit
	Option 1 Option 2
Lincoln Financial Group Lincoln OptiChoice 7 -Low	7 yrs	85		1.50%	100%	$1,110	09/01/10	Not Available in: NY	Request Broker Kit
	Fixed @ 1.70% 1-Year Monthly Cap 1-Year Monthly Average 1-Year Point-to-Point
Lincoln Financial Group Lincoln OptiChoice 7 -High	7 yrs	85		1.50%	100%	$1,110	09/01/10	Not Available in: NY	Request Broker Kit
	Fixed @ 1.85% 1-Year Point-to-Point 1-Year Monthly Average 1-Year Monthly Cap
OM Financial Life Ins. Co. OM Index-Accelerator 7	7 yrs	85	3.00%	1.00-1.10%	100%	$1,112	09/01/10	Not Available in: MN NY OR PR UT VI	Request Broker Kit
	Fixed Interest Option @ 1.75% 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point 2-Year S&P 500 Monthly Average with Cap
OM Financial Life Ins. Co. OM Index-Safety 7 -Low	7 yrs	85		2.50%	100%	$1,189	09/01/10	Not Available in: NY OR PR VI	Request Broker Kit
	Fixed Account @ 1.75% 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
OM Financial Life Ins. Co. OM Index-Safety 7 -High	7 yrs	85		2.50%	100%	$1,189	09/01/10	Not Available in: NY OR PR VI	Request Broker Kit
	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 @ 2.00%
OM Financial Life Ins. Co. (NY) OMNY Index-Safety 7	7 yrs	85		1.00%	100%	$1,072	09/01/10	Only Available in: NY	Request Broker Kit
	Fixed @ 2.00% S&P 500 Monthly Point-to-Point S&P 500 Monthly Averaging S&P 500 Annual Point-toPoint
Phoenix Life Insurance Co. Phoenix Reflections 7 -Low	7 yrs	80		1.00%	87.50%	$ 938	09/01/10	Not Available in: CA DE ME NJ NV NY OR PR VI	Request Broker Kit
	Fixed Account @ 2.70% 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 7 -High	7 yrs	80		1.00%	87.50%	$ 938	09/01/10	Not Available in: CA DE ME NJ NV NY OR PR VI	Request Broker Kit
	1 Year S&P 500® Point-to-Point Indexed Account 1 Year S&P 500 Performance Trigger Fixed Account @ 2.70% 1 Year Domestic Look Back 1 Year Global Look Back
Surrender Charges Last 6 Years
American National Ins. Co. ANICO EIA	6 yrs	85		1.50-3.00%	90.00%	$1,075	09/01/10	Not Available in: MN ND NY OK OR PR VI WA	Request Broker Kit
	Performance Triggered
Amer. Equity Investment Life Ins. Co. Integrity Gold (Index 5-07)	6 yrs	80		3.00%	87.50%		07/20/10	Not Available in: AL NY PR VI	Request Broker Kit
	Fixed @ 2.70% 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap 1-Year Lehman U.S. Aggregate Point-to-Point 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Monthly Point-to-Point
Aviva Life & Annuity MultiChoice Six -Low	6 yrs	80		1.00%	87.50%	$ 929	08/06/10	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC VA VI WA	Request Broker Kit
	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 Six -High	6 yrs	80		1.00%	87.50%	$ 929	08/06/10	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC VA VI WA	Request Broker Kit
	1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy Fixed Strategy @ 2.30%
Lincoln Financial Group Lincoln New Directions 6 -Low	6 yrs	85		1.75%	100%	$1,110	09/01/10	Not Available in: NY	Request Broker Kit
	Fixed @ 2.10% Performance Triggered 2-Year Point to Point
Lincoln Financial Group Lincoln New Directions 6 -High	6 yrs	85		1.75%	100%	$1,110	09/01/10	Not Available in: NY	Request Broker Kit
	Performance Triggered 2-Year Point to Point Fixed @ 2.25%
OM Financial Life Ins. Co. OM Index-Escalator 6	6 yrs	85	1.00%	1.00%	87.50%	$ 938	09/01/10	Not Available in: NY OR PR VI WA	Request Broker Kit
	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
United States Life Ins. Co. (NY) AIG Global 6 Index	6 yrs	85		2.00%	90.00%	$1,014	07/28/10	Only Available in: NY	Request Broker Kit
	1-Year Fixed Account @ 2.00% 1-Year Global Multiple Index Account Capped 1-Year Point-to-Point Account Participatin Rate 1-Year Monthly Additive Account Capped
Surrender Charges Last 5 Years
Aviva Life & Annuity MultiChoice Income Five -Low	5 yrs	83		1.00%	100%	$1,051	08/06/10	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	Request Broker Kit
	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) 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity MultiChoice Income Five -High	5 yrs	83		1.00%	100%	$1,051	08/06/10	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	Request Broker Kit
	Fixed Strategy @ 2.05% 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point 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®)
ING USA Annuity and Life ING Secure Index Five -Low	5 yrs	80		1.50%	100%	$1,077	09/01/10	Not Available in: NY OR PR VI	Request Broker Kit
	Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP)
ING USA Annuity and Life ING Secure Index Five -High	5 yrs	80		1.50%	100%	$1,077	09/01/10	Not Available in: NY OR PR VI	Request Broker Kit
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP) Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50%
Lincoln Benefit Life Saver's Index Annuity Plus -Low	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI	Request Broker Kit
	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 Plus -High	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI	Request Broker Kit
	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 Fixed @ 1.00%
Lincoln Benefit Life Saver's Index Annuity Plus (ROP) -Low	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI	Request Broker Kit
	Fixed @ 0.85% 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 Plus (ROP) -High	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI	Request Broker Kit
	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 Fixed @ 0.85%
Lincoln Financial Group Lincoln OptiChoice 5 -Low	5 yrs	85		1.25%	100%	$1,064	09/01/10	Not Available in: NY	Request Broker Kit
	Fixed @ 1.50% 1-Year Point-to-Point 1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group Lincoln OptiChoice 5 -High	5 yrs	85		1.25%	100%	$1,064	09/01/10	Not Available in: NY	Request Broker Kit
	1-Year Point-to-Point 1-Year Monthly Cap 1-Year Monthly Average Fixed @ 1.65%

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