Indexed Annuity Detail Sheet

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Amer. National Life Ins. Co. of NY Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Integrity Life Insurance Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Minnesota Life National Integrity Life Ins. Phoenix Life Insurance Co. Presidential Life Principal Financial Group Protective Life And Annuity (NY) Protective Life Corporation The Hartford United States Life Ins. Co. (NY) SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age More Search Options Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Surrender Charges Last 14 Years
EquiTrust Life Insurance Company Market Power Bonus Index	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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: CT DE MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, 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, VA, VT, WI, WV, WY (14 years): 20 20 19 19 18 17 16 14 12 10 8 6 4 2 For states IL (10 years): 17 16 15 15 14 13 12 11 10 9.5 For states AK (10 years): 17 15 14 12 10 9 7 4 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,270)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.50 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 20     2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     8.00 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.50
EquiTrust Life Insurance Company MarketTwelve Bonus	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE FL MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		20 20 19 19 18 17 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,224)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.25 2-Year Monthly Average Cap S&P 500 Point to Point Biennial Monthly     7.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1-Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 20     1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.15%
Surrender Charges Last 12 Years
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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA CT DE FL MN NJ NV NY OH OR PR SC 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 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.55%
American General Life Insurance Company AG HorizonIndex Annuity 12 (CA)	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CA
	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 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: AK AL AR AZ CA CO DC GA HI ID IL KS LA MI MT ND NE NM RI SC SD TN VT WI WV WY
	Withdrawal Notes:			Prem Bonus: 5.00-10.00
	Withdrawal Charges 12 years:		12.5 12.5 12.5 11 10 9 8 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,085)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 0.85% Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.50 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 5% Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN MO NC NJ VA WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10     Fixed Account 1-Year Fixed Rate (no bonus) 2.50% Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.25
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 5% High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 50,000 Monthly: 50,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN MO NC NJ VA WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $986)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.25 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10     Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 6%	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: FL IA IN KY MD MS NH OH OK PA TX UT
	Withdrawal Notes:			Premium Bonus: 6.00
	For states FL, IA, IN, MD, MS, NH, NV, OK, PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1 For states KY, OH, TX (10 years): 8.3 7.2 6.1 5.4 4.7 4 3.3 2.5 1.7 0.8
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,045)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.25 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10     Fixed Account 1-Year Fixed Rate (no bonus) 0.75%
Surrender Charges Last 10 Years
Aviva Life & Annuity (Income Series) Income Preferred Ultra 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (MultiChoice Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (Income Series) Income Preferred Ultra 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
Aviva Life & Annuity (MultiChoice Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MA MN NY OR UT VI VT
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, IL, PA, WA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 02/01/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-1.75%  (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 75
American National Insurance (Legacy) BenchMark Reliance Extra	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK AL CT MN NC NV NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 11 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.75%  (GMR/1000 $1,189)
	Account Name Indicie Type Reset Averaging Part Spread Cap Index 10 Year Treasury 1-Year Fixed Rate (no bonus) 1.75% Guaranteed One Year Current Market 1-Year Fixed Rate (no bonus) 1.35% Index Corporate Bond 1-Year Fixed Rate (no bonus) 2.84% Guaranteed One Year 1-Year Fixed Rate (no bonus) 2.35%
American National Insurance (Legacy) BenchMark Reliance Extra 2	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK AL CT MN NC NV NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.75%  (GMR/1000 $1,189)
	Account Name Indicie Type Reset Averaging Part Spread Cap Guaranteed One Year 1-Year Fixed Rate with Bonus 2.30% +2.00 Bonus Index 10 Year Treasury 1-Year Fixed Rate with Bonus 1.67% +2.00 Bonus Guaranteed One Year Current Market 1-Year Fixed Rate with Bonus 1.30% +2.00 Bonus Index Corporate Bond 1-Year Fixed Rate with Bonus 2.79% +2.00 Bonus
American National Insurance (Legacy) BenchMark Reliance Extra 4	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  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK AL CT MN NC NV NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 11 10 9 8 6 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.75%  (GMR/1000 $1,189)
	Account Name Indicie Type Reset Averaging Part Spread Cap Index Corporate Bond 1-Year Fixed Rate with Bonus 2.74% +4.00 Bonus Guaranteed One Year 1-Year Fixed Rate with Bonus 2.25% +4.00 Bonus Index 10 Year Treasury 1-Year Fixed Rate with Bonus 1.62% +4.00 Bonus Guaranteed One Year Current Market 1-Year Fixed Rate with Bonus 1.25% +4.00 Bonus
Aviva Life & Annuity (Income Series) Income Preferred Bonus 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 6.00-8.00
	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, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
Aviva Life & Annuity (Income Series) Income Preferred Bonus 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 6.00-8.00
	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, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.25 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%
Aviva Life & Annuity (Income Series) Income Preferred Ten 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00 Fixed 1-Year Fixed Rate (no bonus) 1.00% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
Aviva Life & Annuity (Income Series) Income Preferred Ten 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25 Fixed 1-Year Fixed Rate (no bonus) 1.40% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.25 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (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 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 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     1.05 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (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 Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00 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) 2.00% 1-Year Point-to-Point Index Strategy 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 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 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 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05 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 Participation Index Strategy S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 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 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 Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     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     1.60 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra (S) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT MN UT WA
	Withdrawal Notes:			Prem Bonus: 3.00-4.00
	For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point S&P 500 Index S&P 500 Point to Point Annual None     2.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00 1-Year Monthly Cap Index S&P 500 Point to Point Annual Monthly Sum     1.05 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
EquiTrust Life Insurance Company Market Value Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY OR PR TX VI
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 12 11 10 8 6 4 2 For states AK, CT, MN, NV, UT, WA (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states FL (10 years): 10 10 10 10 10 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,067)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Average Cap Index Account S&P 500 Point to Point Biennial Monthly     15.00 1-Year Monthly Average Cap Index Account S&P 500 Point to Point Annual Monthly     5.00 1-Year Point-to-Point Cap Index Account S&P 500 Point to Point Annual None     4.75 1-Year Monthly Average Participation Index Account S&P 500 Point to Point Annual Monthly 30     1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.40% 1-Year Monthly Cap Index Account S&P 500 Point to Point Annual Monthly Sum     2.20
Lincoln Benefit Life Saver's Index Annuity Premier	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  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT MN NV NY PA PR UT WA
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): 12 11 10 9 8 7 6 5 4 3 For states TX (10 years): 10 9 8 7 6 5 4 3 2 1 For states FL (10 years): 10 10 10 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,138)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     1.50 1-Year S&P 500 Monthly Average w/Cap S&P 500 Point to Point Annual Monthly     1.50 Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 1-Year S&P 500 Point-to-Point Low WaterMark S&P 500 Low Water Annual None     1.50 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.00
Lincoln Benefit Life Savers Index III	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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY OR PR
	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 II S&P 500 Point to Point Annual None     3.00 Option I S&P 500 Point to Point Annual None 60   3.25
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	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 1.00%  (GMR/1000 $1,149)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None       Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None

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