Company / Product
|
SC Years |
Issue Age |
Premium Bonus |
Min Rate |
% Premium |
Return per $1000 |
Last Change |
Commissions Age: Rate
|
Surrender Charges Last 15 Years
|
|
National Western Life
Liberty Champion
|
15 yrs
|
85 (NQ)
|
5.00%
|
|
|
|
11/20/08 |
| Qualified |
0-70: 6.00 71-80: 4.00 81-85: 2.00
|
| Non-Qualified |
0-70: 9.25 71-80: 7.75 81-85: 5.50
|
|
|
Option A: Annual Reset with Monthly Averaging
|
Option D: Annual Reset with Monthly Cap
|
|
Fixed @ 3.25%
|
|
|
National Western Life
NWL Ultra Future
|
15 yrs
|
85
|
10.00%
|
3.00% |
87.50% |
$1,500 |
11/20/08 |
| Qualified |
0-70: 8.00 71-75: 4.50 76-80: 2.00
|
| Non-Qualified |
0-75: 8.00 76-80: 6.00 81-85: 4.50
|
|
|
Option B: Fixed Account @ 3.85%
|
Option D: Monthly Cap
|
|
Option A: Monthly Averaging Annual Reset
|
|
Surrender Charges Last 14 Years
|
|
National Western Life
NWL Ultra Benefit
|
14 yrs
|
85
|
5.00%
|
3.00% |
87.50% |
$1,390 |
11/20/08 |
| Qualified |
0-70: 8.00 71-75: 5.50 76-80: 3.50
|
| Non-Qualified |
0-75: 8.00 76-80: 6.00 81-85: 2.00
|
|
|
Fixed @ 2.85%
|
Option D: Monthly Cap Annual Reset
|
|
Option A: Monthly Average Annual Reset
|
|
|
North American Company
Charter 14
|
14 yrs
|
75
|
11.00%
|
2.00% |
100% |
$1,465 |
10/10/08 |
0-75: 8.50
|
|
1-Year NASDAQ-100 Monthly Point-to-Point
|
1-Year S&P 500 Annual Daily Average
|
|
1-Year S&P 400 Annual Daily Average
|
1-Year Russell 2000 Annual Daily Average
|
|
1-Year Hindsight Index Strategy
|
1-Year Lehman Bros. US Aggregate
|
|
1-Year Nasdaq-100 Annual Point-to-Point
|
1-Year Dow Jones Annual Daily Average
|
|
1-Year S&P 400 Annual Point-to-Point
|
1-Year S&P 500 Monthly Point-to-Point Cap
|
|
1-Year S&P 500 Annual Point-to-Point
|
1-Year Dow Jones Annual Point-to-Point
|
|
1-Year Russell 2000 Annual Point-to-Point
|
1-Year Fixed @ 3.00%
|
|
1-Year Dow Jones EuroStoxx 50 Point-to-Point
|
|
|
North American Company
Freedom Choice (5%) 14
-Low
|
14 yrs
|
75
|
|
3.00% |
87.50% |
$1,324 |
10/10/08 |
0-75: 5.50
|
|
1-Year Annual Point-to-Point Russell 2000
|
1-Year Annual Point-to-Point DJ EuroSTOXX 50
|
|
1-Year Fixed @ 5.00%
|
1-Year Annual Point-to-Point S&P 500
|
|
1-Year Monthly Point-to-Point NASDAQ 100
|
1-Year Annual Point-to-Point S&P 400
|
|
1-Year Annual Point-to-Point NADAQ 100
|
1-Year Annual Point-to-Point LB U.S. Aggregate
|
|
1-Year Annual Point-to-Point DJIA
|
1-Year Monthly Point-to-Point S&P 500
|
|
|
North American Company
Freedom Choice (5%) 14
-High
|
14 yrs
|
75
|
|
3.00% |
87.50% |
$1,324 |
10/10/08 |
0-75: 5.50
|
|
1-Year Annual Point-to-Point LB U.S. Aggregate
|
1-Year Annual Point-to-Point DJIA
|
|
1-Year Monthly Point-to-Point S&P 500
|
1-Year Annual Point-to-Point Russell 2000
|
|
1-Year Annual Point-to-Point DJ EuroSTOXX 50
|
1-Year Annual Point-to-Point S&P 500
|
|
1-Year Fixed @ 5.35%
|
1-Year Annual Point-to-Point S&P 400
|
|
1-Year Monthly Point-to-Point NASDAQ 100
|
1-Year Annual Point-to-Point NADAQ 100
|
|
|
North American Company
Freedom Choice 14
-Low
|
14 yrs
|
75
|
|
3.00% |
87.50% |
$1,324 |
10/10/08 |
0-75: 5.50
|
|
1-Year Anual Point-to-Point NADAQ 100
|
1-Year Anual Point-to-Point LB U.S. Aggregate
|
|
1-Year Anual Point-to-Point DJIA
|
1-Year Monthly Point-to-Point S&P 500
|
|
1-Year Anual Point-to-Point Russell 2000
|
1-Year Anual Point-to-Point DJ EuroSTOXX 50
|
|
1-Year Anual Point-to-Point S&P 500
|
1-Year Fixed @ 4.60%
|
|
1-Year Anual Point-to-Point S&P 400
|
1-Year Monthly Point-to-Point NASDAQ 100
|
|
|
North American Company
Freedom Choice 14
-High
|
14 yrs
|
75
|
|
3.00% |
87.50% |
$1,324 |
10/10/08 |
0-75: 5.50
|
|
1-Year Anual Point-to-Point DJ EuroSTOXX 50
|
1-Year Anual Point-to-Point S&P 500
|
|
1-Year Anual Point-to-Point S&P 400
|
1-Year Fixed @ 5.00%
|
|
1-Year Monthly Point-to-Point NASDAQ 100
|
1-Year Anual Point-to-Point NADAQ 100
|
|
1-Year Anual Point-to-Point LB U.S. Aggregate
|
1-Year Monthly Point-to-Point S&P 500
|
|
1-Year Anual Point-to-Point DJIA
|
1-Year Anual Point-to-Point Russell 2000
|
|
|
North American Company
North American Classic Plus
|
14 yrs
|
75
|
10.00%
|
3.00% |
87.50% |
$1,456 |
10/10/08 |
0-75: 7.00
|
|
1-Year Russell 2000 Point-to-Point
|
1-Year DJIA Daily Average
|
|
1-Year Russell 2000 Daily Average
|
1-Year DJIA Point-to-Point
|
|
1-Year S&P 500 Daily Average
|
1-Year S&P 400 Point-to-Point
|
|
1-Year S&P 400 Daily Average
|
1-Year S&P 500 Monthly Point-to-Point
|
|
1-Year NASDAQ 100 Monthly Point-to-Point
|
1-Year Fixed @ 3.60%
|
|
1-Year S&P 500 Point-to-Point
|
1-Year NASDAQ-100 Point-to-Point
|
|
|
North American Company
North American Prizm 14
|
14 yrs
|
75
|
|
2.00% |
100% |
$1,319 |
10/10/08 |
0-75: 8.50
|
|
1-Year S&P 400 Monthly Average
|
1-Year S&P 500 Monthly Point-to-Point
|
|
1-Year S&P 500 Point-to-Point
|
1-Year Russell 2000 Monthly Averaging
|
|
1-Year Nasdaq 100 Point-to-Point
|
1-Year Nasdaq 100 Monthly Point-to-Point
|
|
1-Year Lehman Bros. U.S. Aggregate Point-to-Point
|
1-Year Dow Jones Point-to-Point
|
|
1-Year S&P 400 Point-to-Point
|
1-Year Fixed @ 4.15%
|
|
1-Year Russell 2000 Point-to-Point
|
1-Year S&P 500 Monthly Average
|
|
1-Year Dow Jones Monthly Average
|
1-Year DJ EuroStoxx 50 Point-to-Point
|
|
|
North American Company
North American Prizm Plus 14
|
14 yrs
|
75
|
10.00%
|
2.00% |
100% |
$1,451 |
10/10/08 |
0-75: 8.50
|
|
1-Year Russell 2000 Point-to-Point
|
1-Year S&P 500 Monthly Average
|
|
1-Year Nasdaq -100 Monthly Point-to-Point
|
1-Year Nasdaq 100 Point-to-Point
|
|
1-Year Lehman Bros. U.S. Aggregate Point-to-Point
|
1-Year DJIA Monthly Average
|
|
1-Year Fixed @ 3.25%
|
1-Year S&P 400 Monthly Average
|
|
1-Year Russell 2000 Monthly Averaging
|
1-Year S&P 500 Point-to-Point
|
|
1-Year DJIA Point-to-Point
|
1-Year DJ EuroStoxx 50 Point-to-Point
|
|
1-Year S&P 400 Point-to-Point
|
1-Year S&P 500 Monthly Point-to-Point
|
|
|
North American Company
Precision 14
|
14 yrs
|
75
|
10.00%
|
2.00% |
100% |
$1,451 |
10/10/08 |
0-75: 8.50
|
|
Dow Jones EuroStoxx 50 Point-to-Point
|
Dow Jones Annual Daily Average
|
|
S&P 400 Annual Daily Average
|
Nasdaq -100 Monthly Point-to-Point
|
|
Russell 2000 Annual Daily Average
|
S&P 500 Monthly Point-to-Point Cap
|
|
Lehman Bros. US Aggregate
|
S&P 500 Annual Point-to-Point
|
|
1 - Year Hindsight Index Strategy
|
Nasdaq-100 Annual Point-to-Point
|
|
Dow Jones Annual Point-to-Point
|
Fixed @ 3.00%
|
|
S&P 400 Annual Point-to-Point
|
S&P 500 Annual Daily Average
|
|
Russell 2000 Annual Point-to-Point
|
|
Surrender Charges Last 13 Years
|
|
National Western Life
NWL Ultra Classic
|
13 yrs
|
85
|
|
3.00% |
87.50% |
$1,285 |
11/20/08 |
| Qualified |
0-70: 13.00 71-75: 11.00 76-80: 10.00
|
| Non-Qualified |
0-75: 13.00 76-80: 11.50 81-85: 10.00
|
|
|
Option A: Monthly Averaging Annual Reset
|
Option B: Fixed Account @ 4.25%
|
|
Option D: Monthly Cap Annual Reset
|
|
Surrender Charges Last 12 Years
|
|
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
|
12 yrs
|
85
|
4.00%
|
3.00% |
90.00% |
$1,335 |
11/05/08 |
0-75: 9.00 76-80: 5.00 81-85: 3.50
|
|
2-Year Term Account
|
1-Year Term Account
|
|
Fixed @ 4.60%
|
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
-Low
|
12 yrs
|
75
|
4.00%
|
2.00% |
88.00% |
$1,161 |
11/08/08 |
0-75: 8.00
|
|
Performance Triggered
|
2-Year Monthly Cap
|
|
Fixed @ 4.50%
|
2-Year Point to Point
|
|
|
Lincoln Financial Group
Lincoln OptiPoint 12
-High
|
12 yrs
|
75
|
4.00%
|
2.00% |
88.00% |
$1,161 |
11/08/08 |
0-75: 8.00
|
|
Fixed @ 4.50%
|
2-Year Point to Point
|
|
Performance Triggered
|
2-Year Monthly Cap
|
|
|
National Western Life
Liberty Challenge
|
12 yrs
|
85 (NQ)
|
2.00%
|
|
|
|
11/20/08 |
| Qualified |
0-70: 9.00 71-75: 8.00
|
| Non-Qualified |
0-70: 9.00 71-80: 8.00 81-85: 6.25
|
|
|
Option A: Annual Reset with Monthly Averaging
|
Option D: Annual Reset with Monthly Cap
|
|
Fixed @ 3.25%
|
|
|
RBC Insurance
RBC Enhanced Choice 12
|
12 yrs
|
85
|
5.00%
|
1.85% |
87.50% |
$1,145 |
11/01/08 |
0-75: 9.00 76-80: 7.00 81-85: 5.00
|
|
1-Year DJIA Quarterly Point-to-Point Annual Reset
|
8-Year Fixed Account @ 3.65%
|
|
1-Year DJIA Monthly Average
|
|
Surrender Charges Last 10 Years
|
|
Sun Life Financial
SunDex Bonus 7%
|
10 yrs
|
(NQ)
|
7.00%
|
1.75% |
87.50% |
$1,114 |
11/17/08 |
|
|
1-Year S&P 500 Monthly Average w/Particpation
|
|
|
Sun Life Financial
SunDex Bonus
-Low
|
10 yrs
|
0 (NQ)
|
6.00%
|
1.75% |
87.50% |
$1,103 |
11/17/08 |
0-75: 8.00 76-80: 6.50
|
|
1-Year S&P 500 Monthly Averaging w/ Participation
|
|