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Fixed Annuities

Company / Product Name	AM Best	Years Gtd	Last Change	Base Rate	Bonus Rate	Current Rate	Premium Bonus	Bail Out	Effective Rate	CUR	GTD	Commissions Age: Rate
Company / Product Name	AM Best	Years Gtd	Last Change	Base Rate	Bonus Rate	Current Rate	Premium Bonus	Bail Out	Effective Rate	Yield to Surrender		Commissions Age: Rate
Surrender Charges Last 8 Years
SBLI -Savings Bank Life Insurance of MA SBLI Optimizer 5 MVA High-Band	A+	5	02/01/12	1.85	1.00	2.85				2.47	2.15	Call
SBLI -Savings Bank Life Insurance of MA SBLI Optimizer 5 MVA Mid-Band	A+	5	02/01/12	1.85	0.75	2.60				2.32	2.00	Call
SBLI -Savings Bank Life Insurance of MA SBLI Optimizer 5 MVA Mid-Band	A+	5	02/01/12	1.85	0.50	2.35				2.16	1.84	Call
SBLI -Savings Bank Life Insurance of MA SBLI Optimizer 5 MVA Low-Band	A+	5	02/01/12	1.85	0.25	2.10				2.01	1.69	Call

MYGAs

Company / Product Name	AM Best	Years Gtd	Last Change	Base Rate	Bonus Rate	Current Rate	CUR	GTD	Commissions Age: Rate
Yield to Surrender
Rate Guaranteed 7 Years
Athene Annuity 7 MYG	B++	7	01/18/12	3.10	1.00	4.10	3.24	3.24	0-75: 2.75 76-UP: 1.50
Rate Guaranteed 5 Years
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA)	A-	5	02/07/12	2.10	0.00	2.10	2.10	2.10	0-75: 2.50 76-80: 1.50

Company / Product Name

AM
Best

Bonus
Rate

Commissions
Age: Rate

Yield to Surrender

Rate Guaranteed 7 Years

Athene Annuity
7 MYG

B++

01/18/12

3.10

1.00

4.10

3.24

0-75: 2.75
76-UP: 1.50

Rate Guaranteed 5 Years

American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA)

A-

02/07/12

2.10

0.00

2.10

0-75: 2.50
76-80: 1.50

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

For use by licensed insurance agents/brokers only - not authorized for use by the public.