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Fixed Indexed Annuities

Agent Support Annuity Desk

www.ASGLife.com
(212) 697-2025 X313

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SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

States

Surrender Charges Last 13 Years

OM Financial Life Ins. Co.
Spectrum Rewards Reserve

13 yrs

4.00%

1.00%

100%

$1,184

01/01/09

Only
Available in:

AK MA MD MT NV VT WI WY

1-Year S&P 500 Monthly Averaging Cap	3-Year Option Monthly Cap
2-Year Option Monthly Cap	1-Year S&P 500 Point-to-Point Cap
Fixed @ 2.50%	1-Year Option Monthly Cap

Surrender Charges Last 12 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12

12 yrs

4.00%

3.00%

90.00%

$1,335

12/08/08

Not
Available in:

AK CT MN NJ NY OK OR PR UT VI VT WA

1-Year Term Account	2-Year Term Account
Fixed @ 4.60%

Lincoln Financial Group
Lincoln OptiPoint 12 -Low

12 yrs

4.00%

2.00%

88.00%

$1,161

12/08/08

Not
Available in:

AK CT DE MN NY OR PR UT VI WA

Performance Triggered	2-Year Monthly Cap
Fixed @ 4.30%	2-Year Point to Point

Lincoln Financial Group
Lincoln OptiPoint 12 -High

12 yrs

4.00%

2.00%

88.00%

$1,161

12/08/08

Not
Available in:

AK CT DE MN NY OR PR UT VI WA

Fixed @ 4.30%	2-Year Point to Point
Performance Triggered	2-Year Monthly Cap

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

2.00%

1.75%

88.70%

$1,076

01/01/09

Not
Available in:

MA MN ND NJ NY OR PR VI VT

S&P 500 10 Year Point-to-Point

Amer. General Life Ins. Co.
Emerging Edge Indexed Annuity

10 yrs

3.00%

90.00%

$1,210

12/08/08

Not
Available in:

AK CT DE IL IN MN NJ NY OR PA PR UT VI VT WA

100% Participation w/ Annual Cap	80% Participation w/ Annual Cap
Floating Annual Participation w/ No Cap	Fixed @ 5.20%

American National Ins. Co.
ANICO Strategy Indexed Annuity 10

10 yrs

2.00%

1.05%

100%

$1,132

01/01/09

Not
Available in:

MA MN NY OR PA PR UT VI VT

1 Year S&P 500 Point-to-Point

Fixed @ 3.55%

ING USA Annuity and Life
ING Secure Index Outlook Annuity -Low

10 yrs

3.00%

2.00%

87.50%

$1,099

01/02/09

Only
Available in:

AK CT DE MN NJ PA UT WA

Point-to-Point Cap Index	Monthly Cap Index
Fixed @ 2.75%

ING USA Annuity and Life
ING Secure Index Outlook Annuity -High

10 yrs

3.00%

2.00%

87.50%

$1,099

01/02/09

Only
Available in:

AK CT DE MN NJ PA UT WA

Point-to-Point Cap Index	Monthly Cap Index
Fixed @ 2.75%

ING USA Annuity and Life
Selectra Multi Strategy SP

10 yrs

2.00%

87.50%

$1,067

01/02/09

Not
Available in:

NY OR PR VI

Fixed @ 3.05%

Monthly Cap Index Strategy

Lincoln Benefit Life
Saver's Index Annuity Premier -Low

10 yrs

3.00%

2.50%

100%

$1,318

12/22/08

Not
Available in:

AK CT NJ NY PA PR UT VI WA

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Monthly Average w/Cap
Fixed @ 2.65%	1-Year S&P 500 Point-to-Point Low WaterMark
1-Year S&P 500 Monthly Cap

Lincoln Benefit Life
Saver's Index Annuity Premier -High

10 yrs

3.00%

2.50%

100%

$1,318

12/22/08

Not
Available in:

AK CT NJ NY PA PR UT VI WA

1-Year S&P 500 Point-to-Point Low WaterMark	1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point	1-Year S&P 500 Monthly Average w/Cap
Fixed @ 2.65%

Lincoln Benefit Life
Savers Index III -Low

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

12/22/08

Not
Available in:

NY OR PR VI

Account B

Option 1

Lincoln Benefit Life
Savers Index III -High

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

12/22/08

Not
Available in:

NY OR PR VI

Option 1

Account B

Lincoln Benefit Life
Savers Index III (ROP) -Low

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

12/22/08

Not
Available in:

NY OR PR VI

Option 1

Option 2

Lincoln Benefit Life
Savers Index III (ROP) -High

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

12/22/08

Not
Available in:

NY OR PR VI

Option 2

Option 1

Lincoln Financial Group
Lincoln OptiPoint 10 -Low

10 yrs

3.00%

1.80%

90.00%

$1,108

12/08/08

Not
Available in:

AK DE MN NY OR PR UT VI

2-Year Monthly Cap	Performance Triggered @ 7.55%
Fixed @ 4.30%	2-Year Point to Point

Lincoln Financial Group
Lincoln OptiPoint 10 -High

10 yrs

3.00%

1.80%

90.00%

$1,108

12/08/08

Not
Available in:

AK DE MN NY OR PR UT VI

Fixed @ 4.30%	2-Year Point to Point
2-Year Monthly Cap	Performance Triggered @ 7.55%

OM Financial Life Ins. Co. (NY)
NY Spectrum Freedom 10

10 yrs

2.00%

01/01/09

Only
Available in:

Fixed @ 4.15%	S&P 500 Monthly Averaging
S&P 500 Monthly Point-to-Point	S&P 500 Annual Point-to-Point

Transamerica Life (Legacy)
Select Index 500

10 yrs

1.25%

100%

$1,132

10/08/08

Not
Available in:

AL NJ NY PR VI

S&P 500

Fixed @ 4.25%

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.

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"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.