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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index-1-05 & Index-7-05-OK)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OK
	Withdrawal Notes:			Prem Bonus: 10.00
	For states DE (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2 For states OK (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2 Age 79+ in states OK (17 years): 20 19.5 19 18.5 18 17 16 15 13.5 12 10 8 6 4 2 0 0
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.30% S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 S&P 500 Monthly Average w/ PR S&P 500 Point to Point Annual Monthly 35     S&P 500 Monthly Average w/ CAP S&P 500 Point to Point Annual Monthly     5.75 S&P 500 Annual Point-to-Point w/ PR S&P 500 Point to Point Annual None 25     S&P 500 Annual Point-to-Point w/ CAP S&P 500 Point to Point Annual None     5.75 Lehman Brothers U.S. Aggregate Annual Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00 Dow Jones Annual Monthly Average DJIA Point to Point Annual Monthly     5.75 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.75
Surrender Charges Last 16 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OK OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 16 years:		20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Value 1-Year Fixed Rate (no bonus) 2.70% 1-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Annual Monthly     5.75 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75 1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75 1-Year Lehman U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
Surrender Charges Last 14 Years
American Equity Investment Life Insurance Company Retirement Gold (02-09)	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NV NY OR PA PR SC UT VI WA
	Withdrawal Notes:			Prem Bonus: 5.00-10.00
	Withdrawal Charges 14 years:		12.5 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.25%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.50% S&P 500 Monthly Average w/ Participation S&P 500 Point to Point Annual None 30     S&P 500 Monthly Average w/ Cap S&P 500 Point to Point Annual Monthly     5.25 S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     S&P 500 Point-to-Point w/ Cap S&P 500 Point to Point Annual None     5.25 S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.40
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company Bonus 5 (INDEX-3-07-WA)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: WA
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 12 years: 12 12 11 10 9 8 7 6 5 4 3 2 Age 57+ (12 years): 8.25 8.25 7.25 6.25 5.25 4.25 3 2 1 0.5 0 0
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 Monthly Average w/ PR S&P 500 Point to Point Annual Monthly 35     S&P 500 Monthly Average w/ CAP S&P 500 Point to Point Annual Monthly     5.75 S&P 500 Annual Point-to-Point w/ PR S&P 500 Point to Point Annual None 25     S&P 500 Annual Point-to-Point w/ CAP S&P 500 Point to Point Annual None     5.75 S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 Fixed 1-Year Fixed Rate (no bonus) 2.70%
American Equity Investment Life Insurance Company Income Gold (Index 3-07)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL CT DE MN NY OR PR TX UT VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		15 14 13 12 11 10 8.5 7 5.5 4 2.5 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.70% 1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     1-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Annual Monthly     5.75 1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75 1-Year Lehman U.S. Aggregate Point-to-Point Cap LB US Aggregate Bond Point to Point Annual None     4.00 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75
American General Life Insurance Company AG HorizonIndex Annuity 12	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT MN NJ NY OK OR PR TX UT VI VT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,198)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     8.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Lincoln Financial Group Lincoln OptiPoint 12 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,319)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45
Lincoln Financial Group Lincoln OptiPoint 12 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 Performance Triggered S&P 500 Perf Trig Annual None
Surrender Charges Last 10 Years
Aviva Life & Annuity MultiChoice Advantage High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : 09/03/10
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 2.25% +5.00 Bonus
Aviva Life & Annuity MultiChoice Advantage Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : 09/03/10
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.65% +5.00 Bonus
American National Insurance Company Value Lock 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN ND NJ NY OR PR VI VT
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, PA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 09/01/10
	Guaranteed Minimum Value:		90% of Premium at 1.75%  (GMR/1000 $1,071)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Continuous Monthly 70
American Equity Investment Life Insurance Company 10/10 Gold (Index 6-05)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL IN MS NJ NY PR TX VI WA
	Withdrawal Notes:			Premium Bonus: 1.20
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.00% 1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year Lehman Bros. US Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
American Equity Investment Life Insurance Company Advantage Gold	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OR PA PR UT VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 11.5 10 8.5 7.5 5.5 4
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Traditional Fixed Value 1-Year Fixed Rate (no bonus) 2.60% 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.40 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 30     1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     5.25 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 25     1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.25 1 Year Lehman Brothers U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
American General Life Insurance Company AG Global Bonus Index Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,280)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Global Multiple Index Account with Cap Blended Indicies Point to Point Annual None     3.25 Annual Point-to-Point Account with Participation Rate S&P 500 Point to Point Annual None 30   100.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.80
American General Life Insurance Company Vision Maximizer	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK DE IL MN MS NJ NY OR PA PR TX UT VI VT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		17 16 15 14 13 10 9 8 7 6
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,152)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   8.00   Annual Point-to-Point Account with Cap S&P 500 Point to Point Annual None     3.50 Annual Point-to-Point Account with Adjustable Participation S&P 500 Point to Point Annual None 30
American National Insurance Company ANICO Strategy Indexed Annuity 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN NY OR PA PR UT VI VT
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Rate Interest Account 1-Year Fixed Rate (no bonus) 2.00% 1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Elite Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA IN MS SC VA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.40% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     6.00 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) S&P 500 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Elite High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA IN MS SC VA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) S&P 500 Point to Point Annual None     5.25 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     7.50 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     Fixed Strategy 1-Year Fixed Rate (no bonus) 3.20% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.50
Aviva Life & Annuity MultiChoice Income Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA IN MS NJ SC TX UT VA
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AK, CA, CT, DE, HI, IN, MN, MO, MS, MT, NJ, NM, NV, OR, PA, SC, UT, VA, WA (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.75 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA IN MS NJ SC TX VA
	Withdrawal Notes:			Premium Bonus: 8.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,193)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Average Index Strategy (no spread) S&P 500 Point to Point Annual Monthly     4.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year Point-to-Point Participation Index Strategy (no cap) S&P 500 Point to Point Annual None 25     1-Year Multiple Index Strategy (no spread) Blended Indicies Point to Point Annual Monthly     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity MultiChoice Income Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA IN MS NJ SC TX VA
	Withdrawal Notes:			Premium Bonus: 8.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,193)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     5.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year Point-to-Point Participation Index Strategy (no cap) S&P 500 Point to Point Annual None 25     1-Year Average Index Strategy (no spread) S&P 500 Point to Point Annual Monthly     4.75 1-Year Fixed Strategy 1-Year Fixed Rate (no bonus) 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.50 1-Year Multiple Index Strategy (no spread) Blended Indicies Point to Point Annual Monthly     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00
ING USA Annuity and Life ING Secure Index Outlook Annuity Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT DE MN NJ PA UT WA
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50%
ING USA Annuity and Life ING Secure Index Outlook Annuity High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT DE MN NJ PA UT WA
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00
Lincoln Benefit Life Savers Index III Low-Band	Non-Qualified Owner: 90 Annuitant: 85 Qualified Owner: 90 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  Yes-Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 3.00%  (GMR/1000 $1,210)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option 1 S&P 500 Point to Point Annual None 60   3.50 Account B S&P 500 Point to Point Annual None 100 0.00 3.25
Lincoln Benefit Life Savers Index III High-Band	Non-Qualified Owner: 90 Annuitant: 85 Qualified Owner: 90 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  Yes-Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 3.00%  (GMR/1000 $1,210)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option 1 S&P 500 Point to Point Annual None 60   4.00 Account B S&P 500 Point to Point Annual None 100 0.00 3.75
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,231)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None
Lincoln Financial Group Lincoln OptiPoint 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,243)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None       Fixed 1-Year Fixed Rate (no bonus) 2.10%
OM Financial Life Insurance Company OM Index-Escalator 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI WA
	Withdrawal Notes:			Premium Bonus: 1.00
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 For states AK, CT, MN, UT (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $976)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 1.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.00 1-Year S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     3.25 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     3.00

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