SPIA Products

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 Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Aviva Life & Annuity (Income Series) EquiTrust Life Ins. Co. Fidelity & Guaranty Life First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Great Amer. Life Ins. Co. ING Annuity and Asset Sales Integrity Life Insurance Liberty Life Insurance Co. Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York National Integrity Life Ins. North American Company SBLI -Savings Bank Life Ins. of MA Symetra Life Insurance Co. Age Comm %

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Company / Product Name	AM Best	Impaired Risk	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Insurance Company of North America Single Premium Immediate Elite Annuity	A		99	99	25,000	25,000	0-99: 3.00 see notes
American Equity Investment Life Insurance Company SPIA-1	A-		90	90	10,000	10,000	0-90: 4.00
American General Life Insurance Company AG Platinum Income	A		0	0	10,000	10,000	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A		90	90	15,000	3,500	see notes
EquiTrust Life Insurance Company Confidence Income	B+		90	90	30,000	30,000	0-90: 3.00 see notes
Fidelity & Guaranty Life FG Immediate-Income	B++		100	100	10,000	10,000	0-90: 2.00 see notes
Fidelity & Guaranty Life FG Immediate-Safeguard	B++		100	100	5,000	5,000	see notes
First Symetra Nat’l Life Ins Co of NY First Symetra Advantage Income	A		95	95	10,000	10,000	0-95: 3.00
First Symetra Nat’l Life Ins Co of NY Freedom Income	A		95	95	10,000	10,000	0-95: 4.00
ING Annuity and Asset Sales ING SPIA	A		80	80	15,000	15,000	0-95: 3.00
Integrity Life Insurance Income Source	A+		95	95	10,000	10,000	see notes
Lincoln Benefit Life IncomeReadySMSPIA	A+		90	90	5,000	5,000	see notes
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+		85	85	50,000	50,000	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes
National Integrity Life Insurance Income Source	A+		95	95	10,000	10,000	0-95: 3.75
North American Company NA Income	A+		85	85	10,000	2,000	0-85: 2.00 see notes
SBLI -Savings Bank Life Insurance of MA Single Premium Immediate Annuity	A+		90	90	10,000	10,000	Call
Symetra Life Insurance Company Advantage Income	A		95	95	10,000	10,000	0-95: 3.00
Symetra Life Insurance Company Freedom Income Annuity	A		95 (Q: 70)	95 (Q: 70)	10,000	10,000	0-95: 5.00

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