Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Surrender Charges Last 15 Years
National Western Life Liberty Champion	Non-Qualified Owner: 85 Annuitant: 85 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  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: WY
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		20 20 20 20 20 20 18 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.85% Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 65 0.75
National Western Life NWL Ultra Future	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  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MS NY OR
	Withdrawal Notes:			Prem Bonus: 4.75-10.00
	Withdrawal Charges 15 years:		19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,295)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 3.40% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 65 0.25   Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.75
Surrender Charges Last 14 Years
National Western Life NWL Ultra Benefit	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 14 years:		16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,212)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 55 0.75   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     2.00 Fixed 1-Year Fixed Rate (no bonus) 2.50%
North American Company Charter 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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  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 PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 11.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.60% 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.80 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     7.15 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     6.00 1-Year Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None     3.00 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 4.60 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     5.20 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.60 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     4.55 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.35 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     6.20 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   5.05 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     5.25 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 4.70
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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  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 MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 4.85% 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     10.70 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.10 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     10.25 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.50 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.25 1-Year Annual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.75 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.00 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.05 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.25
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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  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 MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     11.45 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.35 1-Year Fixed 1-Year Fixed Rate (no bonus) 5.20% 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.45 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.80 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.75 1-Year Annual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     7.00 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     10.50 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     11.35 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     11.10
North American Company Freedom Choice 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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  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 MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 4.40% 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     9.70 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.85 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     9.15 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     9.40 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.15 1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.25 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.10 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     8.10 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     8.10
North American Company Freedom Choice 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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  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 MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.10 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     10.65 1-Year Fixed 1-Year Fixed Rate (no bonus) 4.80% 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.00 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.00 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.25 1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.75 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.20 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.45 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     10.20
North American Company North American Prizm Plus 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 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  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: AK AL CT DE MN NV NY OR PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.00% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     3.00 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 35     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 60     1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 25     1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 40     1-Year DJIA Point-to-Point DJIA Point to Point Annual None 35     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 60     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35     1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 25     1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 45     1-Year Lehman Bros. U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None 55     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     2.30 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 30
North American Company Precision 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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  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 PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 11.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.60% Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 60   100.00 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 75   5.50 Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None 50   5.50 Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 50   5.50 Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 45   100.00 Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 50   5.50 1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 50   5.50 Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 50   5.50 S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   2.80 S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 60   100.00 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 70   6.50 S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 45   100.00 S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 55   5.50
Surrender Charges Last 13 Years
National Western Life NWL Ultra Classic	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  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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE IL IN MA MN MS NJ NY OR PA UT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 13 years:		15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 3.80% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 65 0.25   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     2.75
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- 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 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     14.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.80%
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 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) 2.55% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90 2-Year Point to Point S&P 500 Point to Point Biennial None     10.90 Performance Triggered S&P 500 Perf Trig Annual None     4.60
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 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) 2.55% Performance Triggered S&P 500 Perf Trig Annual None     4.60 2-Year Point to Point S&P 500 Point to Point Biennial None     10.90 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.90
National Western Life Liberty Challenge	Non-Qualified Owner: 99 Annuitant: 85 Qualified Owner: 99 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  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL PR WY
	Withdrawal Notes:			Premium Bonus: 2.00
	Withdrawal Charges 12 years:		15 15 15 15 15 15 15 15 12 9 6 3
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.85% Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 65 0.75
RBC Insurance RBC Enhanced Choice 12 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-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: AK CA CT DE HI MN NJ NY OK OR PA PR UT VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years): 14 13 12 11 10 9 8 7 6 5 4 3 For states CA (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.90% +1.00 Bonus 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.50 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 5.25 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.75 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00
Surrender Charges Last 10 Years
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:			Premium Bonus: 3.00
	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: 03/01/10
	Guaranteed Minimum Value:		90% of Premium at 1.75%  (GMR/1000 $1,103)	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 Monthly 100
Allianz Life MasterDex 10	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  Yes-Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-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: CA CT PA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 10 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,117)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 3.00% 1-Year SP 500 Monthly Point to Point S&P 500 Point to Point Annual Monthly Sum     3.10 1-Year Nasdaq-100 Monthly Point to Point Nasdaq 100 Point to Point Annual Monthly Sum     3.10
Allianz Life MasterDex 10 Plus 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  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-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: NY OR PR VI
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 10 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,117)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.00% 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     7.75 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   2.00   1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     3.00 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     7.75 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     7.50 1 Year FTSE 100 Monthly Cap FTSE 100 Point to Point Annual Monthly Sum     2.90 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     7.00 1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.90
Allianz Life MasterDex 5 Plus 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  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-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: NY OR PR VI
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 15 15 15 15 12 10 8 6 4 2 For states AL, DE, IA, KY, MS (10 years): 9.1 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9 For states CT, MN, NJ, PA, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Option 1-Year Fixed Rate (no bonus) 2.15% 1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.20 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.50 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.40 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     5.75 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     5.00 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     2.20 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     5.50 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   2.00
Allianz Life of NY New York Bonus MasterDex	Non-Qualified Owner: 85 Annuitant: 0 Qualified Owner: 85 Annuitant: 0	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NY
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 10 10 10 10 8.5 7 5.5 4 2.5
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,195)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.50% S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.20 Nasdaq 100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20
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 NV NY OR PA PR 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 Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   4.00   Annual Point-to-Point Account with Cap S&P 500 Point to Point Annual None     6.00 Annual Point-to-Point Account with Adjustable Participation S&P 500 Point to Point Annual None 35     Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.65%
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 1.10%  (GMR/1000 $1,116)
	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     5.80
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  Yes-Annualization  No- Activities of Daily Living  Yes-Home Health Care Waiver  Yes-Guaranteed Purchase Option	Not Available in: CT DE MN NY OR PA PR VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4
	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     4.50 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     2.00 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 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- 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  Yes-Home Health Care Waiver  Yes-Guaranteed Purchase Option	Not Available in: CT DE MN NY OR PA PR VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4
	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) 2.80% 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 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     5.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     5.50
Aviva Life & Annuity 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- 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  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI
	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 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.20% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.75 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     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 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- 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  Yes-Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI
	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 Fixed Strategy 1-Year Fixed Rate (no bonus) 3.00% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     6.25 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     2.25 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     5.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     5.50
Aviva Life and Annuity Income Select 10 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	Not Available in: NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.20% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.75 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly   8.00   1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select 10 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	Not Available in: NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     6.25 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.25 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly   8.00   1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     Fixed 1-Year Fixed Rate (no bonus) 3.00% 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     5.50 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     5.50
Aviva Life and Annuity Income Select Platinum 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	Not Available in: CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.00% 1-Year S&P 500 Point-to-Point Participation Index S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Index S&P 500 S&P 500 Point to Point Annual None     7.00 1-Year Point to Point Guaranteed Cap Index Strategy S&P 500 Point to Point Annual None     4.50 1-Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select Platinum 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	Not Available in: CT DE MN NJ NV NY OR PA PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Participation Index S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Index S&P 500 S&P 500 Point to Point Annual None     8.50 1-Year Point to Point Guaranteed Cap Index Strategy S&P 500 Point to Point Annual None     6.00 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.80% 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     5.50 1-Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     5.50
Aviva Life and Annuity Income Select 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	Not Available in: CT DE MN NJ NY OR PA PR VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.50 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select 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- 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: CT DE MN NJ NY OR PA PR VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.25 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     6.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     Fixed 1-Year Fixed Rate (no bonus) 2.80% 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     5.50 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     5.50
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) 2.40% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.75
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) 2.40% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     6.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.60
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     5.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.25 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.40%
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) 2.40% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     6.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.60
Lincoln Benefit Life Saver's Index Annuity Premier Low-Band	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- 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 MN NJ NY PA PR UT VI WA
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		12 11 10 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,195)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.25% 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     5.00 1-Year S&P 500 Point-to-Point Low WaterMark S&P 500 Low Water Annual None     4.80 1-Year S&P 500 Monthly Average w/Cap S&P 500 Point to Point Annual Monthly     4.75 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.80
Lincoln Benefit Life Saver's Index Annuity Premier High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: AK CT MN NJ NY PA PR UT VI WA
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		12 11 10 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,195)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.25% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.90 1-Year S&P 500 Monthly Average w/Cap S&P 500 Point to Point Annual Monthly     5.75 1-Year S&P 500 Point-to-Point Low WaterMark S&P 500 Low Water Annual None     5.30 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     5.50
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   5.50