Fixed Indexed Annuities

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% Premium

Return per $1000

Last Change

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Age: Rate

Featured Products

Surrender Charges Last 10 Years

NEW! "THE" 10-year, 10% bonus product, featuring the innovative Income Edge rider and the unique Multiple Index Strategy

Amer. Investors Life Ins. Co., Inc, an Aviva Co
Income Select Bonus -Low

10 yrs

10.00%

1.00%

100%

$1,215

01/05/09

0-80: 8.00

1 - Year S&P 500 Point-to-Point	1 - Year S&P 500 Poin-to-Point w/ Participation
1 - Year Multiple Index Average w/ No Spread	1 - Year Point to Point Dow Jones EUROSTOXX 50
1 - Year Fixed @ 3.00%

Company / Product

SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 14 Years

EquiTrust Life Ins. Co.
Market Power Bonus Index

14 yrs

10.00%

3.00%

87.50%

$1,456

10/28/08

0-80: 8.50

Fixed @ 3.25%	1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point Cap	1 Year Monthly Average Participation
2-Year Monthly Averaging	1-Year S&P 500 Daily Average Cap

North American Company
Charter 14

14 yrs

11.00%

2.00%

100%

$1,465

01/05/09

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

3.00%

87.50%

$1,324

01/05/09

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

3.00%

87.50%

$1,324

01/05/09

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

3.00%

87.50%

$1,324

01/05/09

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

3.00%

87.50%

$1,324

01/05/09

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

10.00%

3.00%

87.50%

$1,456

01/05/09

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

2.00%

100%

$1,319

01/05/09

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

10.00%

2.00%

100%

$1,451

01/05/09

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

10.00%

2.00%

100%

$1,451

01/05/09

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

OM Financial Life Ins. Co.
Spectrum Rewards Reserve

13 yrs

4.00%

1.00%

100%

$1,184

01/01/09

0-79: 9.00
80-85: 4.50

1-Year S&P 500 Monthly Averaging Cap	3-Year Option Monthly Cap
2-Year Option Monthly Cap	1-Year S&P 500 Point-to-Point Cap
Fixed @ 2.50%	1-Year Option Monthly Cap

Surrender Charges Last 12 Years

Lincoln Financial Group
Lincoln OptiPoint 12 -Low

12 yrs

4.00%

2.00%

88.00%

$1,161

12/08/08

0-75: 8.00

Performance Triggered	2-Year Monthly Cap
Fixed @ 4.30%	2-Year Point to Point

Lincoln Financial Group
Lincoln OptiPoint 12 -High

12 yrs

4.00%

2.00%

88.00%

$1,161

12/08/08

0-75: 8.00

Fixed @ 4.30%	2-Year Point to Point
Performance Triggered	2-Year Monthly Cap

RBC Insurance
RBC Enhanced Choice 12

12 yrs

5.00%

1.00%

87.50%

$1,035

01/01/09

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 @ 4.40%
1-Year DJIA Monthly Average

Surrender Charges Last 10 Years

NEW! "THE" 10-year, 10% bonus product, featuring the innovative Income Edge rider and the unique Multiple Index Strategy

Amer. Investors Life Ins. Co., Inc, an Aviva Co
Income Select Bonus -High

10 yrs

10.00%

1.00%

100%

$1,215

01/05/09

0-80: 8.00

1 - Year S&P 500 Monthly Cap	1 - Year Point to Point Hang Seng Index
1 - Year S&P 500 Average w/ No Spread	1 - Year S&P 500 Point-to-Point
1 - Year S&P 500 Poin-to-Point w/ Participation	1 - Year Multiple Index Average w/ No Spread
1 - Year Fixed @ 3.20%	1 - Year Point to Point Dow Jones EUROSTOXX 50

Looking for one of the highest caps in the industry- look no further- 10% annual cap! WOW!

Amer. Investors Life Ins. Co., Inc, an Aviva Co
Income Select Platinum -Low

10 yrs

2.75%

87.50%

$1,148

01/05/09

0-80: 6.00
81-82: 4.50

1 - Year Point to Point Hang Seng Index	1 - Year Fixed @ 4.25%
1 - Year Point to Point Guaranteed Cap	1 - Year S&P 500 Point-to-Point Index
1 - Year Point to Point Dow Jones EUROSTOXX 50	1 - Year S&P500 Point-to-Point Participation

Looking for one of the highest caps in the industry- look no further- 10% annual cap! WOW!

Amer. Investors Life Ins. Co., Inc, an Aviva Co
Income Select Platinum -High

10 yrs

2.75%

87.50%

$1,148

01/05/09

0-80: 6.00
81-82: 4.50

1 - Year Point to Point Dow Jones EUROSTOXX 50	1 - Year S&P500 Point-to-Point Participation
1 - Year Point to Point Hang Seng Index	1 - Year Fixed @ 4.45%
1 - Year S&P 500 Point-to-Point Index	1 - Year Point to Point Guaranteed Cap

Surrender Charges Last 9 Years

Give your clients a 5% premium bonus in first 5 contract years with the Equitrust MarketBooster fixed-indexed annuity!

EquiTrust Life Ins. Co.
Market Booster Index

9 yrs

5.00%

3.00%

87.50%

$1,199

10/28/08

0-80: 8.00

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Monthly Averaging w/ Participation
2-Year S&P 500 Monthly Average Cap	Fixed @ 3.25%
1-Year S&P 500 Daily Average

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.

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"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.