Fixed Indexed Annuities
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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 80 10.00% 1.00% 87.50% $1,106 09/02/10 0-80: 8.50+
1-Year Fixed Interest Account @ 2.00% 1-Year S&P 500 Daily Average Cap
1-Year S&P 500 Point-to-Point Cap 2-Year S&P 500 Monthly Averaging Cap Account
1 Year S&P 500 Monthly Average Participation 1-Year S&P 500 Monthly Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs (NQ) 6.00% 1.00% 87.50% $1,066 09/02/10 0-80: 9.00
Fixed @ 1.50% 1-Year S&P 500 Point-to-Point w/Cap
1-Year S&P 500 Daily Average w/ Cap 1-Year S&P 500 Monthly Average w/Participation
1-Year S&P 500 Monthly Cap 2-Year Monthly Average Cap
North American Company
Charter 14
14 yrs 75 10.00% 1.10% 87.50% $1,122 09/01/10 0-75: 7.50+
1-Year Fixed @ 2.15% 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point
1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Hindsight Index Strategy
1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75 1.10% 87.50% $1,020 09/01/10 0-75: 5.50+
1-Year Fixed @ 3.55% 1-Year Annual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500 1-Year Annual Point-to-Point DJIA
1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point Russell 2000
1-Year Annual Point-to-Point S&P 400
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75 1.10% 87.50% $1,020 09/01/10 0-75: 5.50+
1-Year Annual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
1-Year Fixed @ 3.90% 1-Year Annual Point-to-Point S&P 400
1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point DJ EuroSTOXX 50
1-Year Annual Point-to-Point DJIA
North American Company
Freedom Choice 14 -Low
14 yrs 75 1.10% 87.50% $1,020 09/01/10 0-75: 5.50+
1-Year Fixed @ 3.15% 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500
North American Company
Freedom Choice 14 -High
14 yrs 75 1.10% 87.50% $1,020 09/01/10 0-75: 5.50+
1-Year Fixed @ 3.55% 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA
North American Company
North American Prizm Plus 14
14 yrs 75 10.00% 1.10% 87.50% $1,122 09/01/10 0-75: 7.50+
1-Year Fixed @ 2.15% 1-Year S&P 400 Point-to-Point
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 S&P 500 Monthly Average
1-Year Russell 2000 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 DJIA Point-to-Point 1-Year DJIA Monthly Average
1-Year DJ EuroStoxx 50 Point-to-Point
North American Company
Precision 14
14 yrs 75 10.00% 1.10% 87.50% $1,122 09/01/10 0-75: 7.50+
Fixed @ 2.15% Dow Jones EuroStoxx 50 Point-to-Point
Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point
Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point
Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point
1 - Year Hindsight Index Strategy S&P 500 Monthly Point-to-Point Cap
S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point
S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00% 2.00% 90.00% $1,198 08/27/10 0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 2.00%
Great Amer. Life Ins. Co.
American Valor II
12 yrs 85 5.00% 1.00-2.00% 100% $1,332 08/21/10
Qualified
18-75: 6.00+
76-80: 4.50+
81-85: 2.50+
Non-Qualified
0-75: 6.00+
76-80: 4.50+
81-UP: 2.50+
1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap
Declared Rate Strategy @ 2.00%
Lincoln Financial Group
Lincoln OptiPoint 12 -Low
12 yrs 75 4.00% 2.00% 100% $1,319 09/01/10 0-75: 4.00
Fixed @ 2.10% Performance Triggered
2-Year Monthly Cap 2-Year Point to Point
Lincoln Financial Group
Lincoln OptiPoint 12 -High
12 yrs 75 5.00% 2.00% 100% $1,332 09/01/10 0-75: 4.00
Fixed @ 2.10% 2-Year Point to Point
2-Year Monthly Cap Performance Triggered
RBC Insurance
RBC Enhanced Choice 12 SPDA
12 yrs 85 5.00% 1.00% 87.50% $1,035 09/01/10 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Fixed Account @ 1.05% 1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap
Surrender Charges Last 10 Years
American National Ins. Co.
Value Lock 10
10 yrs 80 1.75% 90.00% $1,071 09/01/10 0-75: 10.00
76-80: 8.00
S&P 500 10 Year Point-to-Point
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00% 2.00% 100% $1,280 08/27/10 0-75: 7.00
76-80: 4.50
Fixed Interest Account @ 2.00% Global Multiple Index Account with Cap
Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap
Amer. General Life Ins. Co.
Vision Maximizer
10 yrs 75 5.00% 2.00% 90.00% $1,152 08/27/10 0-75: 8.00+
Fixed Interest Account @ 2.00% Monthly Average Account with Index Spread
Annual Point-to-Point Account with Cap Annual Point-to-Point Account with Adjustable Participation
American National Ins. Co.
ANICO Strategy Indexed Annuity 10
10 yrs 85 1.00% 100% $1,105 09/01/10
Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Aviva Life and Annuity
Income Select 10 -Low
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.00% 1-Year S&P500 Point-to-Point
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1-Year Point-to-Point DJ EUROSTOXX 50 1-Year Point-to-Point Hang Seng
Aviva Life and Annuity
Income Select 10 -High
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.40% 1-Year S&P500 Point-to-Point
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1-Year Point-to-Point Hang Seng 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life and Annuity
Income Select Bonus -Low
10 yrs 78 8.00% 1.00% 100% $1,193 08/06/10 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 2.00% 1-Year Multiple Index Strategy
1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life and Annuity
Income Select Bonus -High
10 yrs 78 8.00% 1.00% 100% $1,193 08/06/10 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Participation Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
1-Year Average Index Strategy 1-Year Multiple Index Strategy
Aviva Life and Annuity
Income Select Platinum -Low
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 5.00+
76-78: 3.00+
1-Year Fixed @ 2.40% 1-Year S&P 500 Point-to-Point Participation Index
1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy
1 - Year Point to Point Hang Seng Index 1-Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity
Income Select Platinum -High
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500
1-Year Point to Point Guaranteed Cap Index Strategy 1-Year Fixed @ 3.20%
1-Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity
Income Select Plus -Low
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.00% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation
1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity
Income Select Plus -High
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 7.50+
76-78: 5.50+
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.20%
1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity
Income Select Plus S -Low
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 6.00+
76-78: 4.00+
Fixed @ 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50
1 - Year Point to Point Hang Seng Index 1-Year S&P 500 Point-to-Point w/ Participation
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap
Aviva Life and Annuity
Income Select Plus S -High
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 6.00+
76-78: 4.00+
Fixed @ 2.00% 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
EquiTrust Life Ins. Co.
Market Value Index
10 yrs 80 1.00% 87.50% $ 967 09/02/10 0-80: 6.50
1-Year Fixed Interest Account @ 2.40% 2-Year Monthly Average Cap Index Account
1-Year Average Participation Index Account 1-Year Monthly Cap Index Account
1-Year Point-to-Point Cap Index Account 1-Year Monthly Average Cap Index Account
Forethought Financial
Guaranteed Destinations -Low
10 yrs 85 5.00% 1.00% 87.50% $1,015 08/06/10 0-75: 5.00+
76-85: 3.50+
Monthly Point-to-Point with Cap Fixed Account Strategy: @ 2.25%
Short-Term Account Strategy @ 1.50%
Forethought Financial
Guaranteed Destinations -Mid
10 yrs 85 5.00% 1.00% 87.50% $1,015 08/06/10 0-75: 5.00+
76-85: 3.50+
Fixed Account Strategy: @ 2.25% Short-Term Account Strategy @ 1.50%
Monthly Point-to-Point with Cap
Forethought Financial
Guaranteed Destinations -High
10 yrs 85 5.00% 1.00% 87.50% $1,015 08/06/10 0-75: 5.00+
76-85: 3.50+
Monthly Point-to-Point with Cap Fixed Account Strategy: @ 2.25%
Short-Term Account Strategy @ 1.50%
Forethought Financial
Guaranteed Destinations WA -Low
10 yrs 85 6.00% 1.00% 87.50% $1,025 08/06/10 0-75: 7.00
76-85: 5.00
Fixed Account Strategy @ 2.00% Short-Term Account Strategy @ 1.25%
Annual Cap with Monthly Averaging Monthly Point-to-Point with Cap
Forethought Financial
Guaranteed Destinations WA -Mid
10 yrs 85 6.00% 1.00% 87.50% $1,025 08/06/10 0-75: 7.00
76-85: 5.00
Monthly Point-to-Point with Cap Annual Cap with Monthly Averaging
Short-Term Account Strategy @ 1.25% Fixed Account Strategy @ 2.00%
Forethought Financial
Guaranteed Destinations WA -High
10 yrs 85 6.00% 1.00% 87.50% $1,025 08/06/10 0-75: 7.00
76-85: 5.00
Fixed Account Strategy @ 2.00% Short-Term Account Strategy @ 1.25%
Annual Cap with Monthly Averaging Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -Low
10 yrs (NQ) 2.00% 87.50% $1,067 08/06/10 0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ) 2.00% 87.50% $1,067 08/06/10 0-75: 7.00+
76-85: 5.00+
Monthly Point-to-Point with Cap Fixed Account Strategy @ 2.00%
Forethought Financial
Income 125 -High
10 yrs (NQ) 2.00% 87.50% $1,067 08/06/10 0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-85: 5.00+
Fixed Account Strategy @ 2.00% Annual Point-to-Point with Cap
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-85: 5.00+
Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -High
10 yrs 85 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-85: 5.00+
Fixed Account Strategy @ 2.00% Annual Point-to-Point with Cap
Monthly Point-to-Point with Cap
Great Amer. Life Ins. Co.
American Icon II
10 yrs 85 1.50% 1.00-2.00% 100% $1,237 08/21/10
Qualified
18-75: 5.00+
76-80: 4.00+
81-85: 1.50+
Non-Qualified
0-75: 5.00+
76-80: 4.00+
81-UP: 1.50+
Declared Rate Strategy @ 2.00% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85 1.00-2.00% 100% $1,219 08/21/10
Qualified
18-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Declared Rate Strategy @ 2.00% 1 Year S&P 500 Annual Point-to-Point
1 Year S&P 500 Monthly Average with Cap
ING USA Annuity and Life
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00% 2.00% 87.50% $1,120 09/01/10 0-80: 7.00+
Fixed Rate Strategy @ 1.50% Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00% 2.00% 87.50% $1,120 09/01/10 0-80: 7.00+
Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy
ING USA Annuity and Life
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00% 2.00% 87.50% $1,099 09/01/10 0-80: 6.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.50%
ING USA Annuity and Life
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00% 2.00% 87.50% $1,099 09/01/10 0-80: 6.00+
Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy
Lincoln Benefit Life
Saver's Index Annuity Premier -Low
10 yrs 85 3.00% 1.50% 100% $1,195 08/30/10 0-75: 3.45+
76-85: 2.40+
Fixed @ 1.00% 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low WaterMark 1-Year S&P 500 Monthly Average w/Cap
1-Year S&P 500 Monthly Cap
Lincoln Benefit Life
Saver's Index Annuity Premier -High
10 yrs 85 3.00% 1.50% 100% $1,195 08/30/10 0-75: 3.45+
76-85: 2.40+
Fixed @ 1.00% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Monthly Average w/Cap 1-Year S&P 500 Point-to-Point Low WaterMark
1-Year S&P 500 Point-to-Point
Lincoln Benefit Life
Savers Index III -Low
10 yrs 85 (NQ) 3.00% 90.00% $1,210 08/30/10 0-75: 3.45+
76-90: 2.40+
Option 1 Account B
Lincoln Benefit Life
Savers Index III -High
10 yrs 85 (NQ) 3.00% 90.00% $1,210 08/30/10 0-75: 3.45+
76-90: 2.40+
Option 1 Account B
Lincoln Benefit Life
Savers Index III (ROP) Low-Band
Product has been withdrawn from sale effective 08/16/2010
Lincoln Benefit Life
Savers Index III (ROP) High-Band
Product has been withdrawn from sale effective 08/16/2010
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 3.00% 1.80% 100% $1,231 09/01/10 0-75: 3.50
76-80: 2.37
Fixed @ 2.10% 2-Year Monthly Cap
2-Year Point to Point Performance Triggered
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 4.00% 1.80% 100% $1,243 09/01/10 0-75: 3.50
76-80: 2.37
2-Year Monthly Cap 2-Year Point to Point
Performance Triggered Fixed @ 2.10%
North American Company
Charter 10
10 yrs 79 5.00% 1.10% 87.50% $1,025 09/01/10 0-75: 7.50+
76-79: 5.63+
1-Year Fixed @ 2.00% 1-Year S&P 400 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1- Year Hindsight Index
1-Year S&P 500 Monthly Point-to-Point Capped 1-Year S&P 500 Annual Daily Average
1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1 -Year NASDAQ Monthly Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79 1.10% 87.50% $ 976 09/01/10 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.85% 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79 1.10% 87.50% $ 976 09/01/10 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 3.20% 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA
North American Company
Freedom Choice 10 -Low
10 yrs 79 1.10% 87.50% $ 976 09/01/10 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.45% 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point NASDAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 400
North American Company
Freedom Choice 10 -High
10 yrs 79 1.10% 87.50% $ 976 09/01/10 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.90% 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company
North American Paramount Choice Ten
10 yrs (NQ) 10.00% 1.10% 87.50% $1,074 09/01/10 0-75: 6.50+
76-79: 4.88+
Fixed @ 1.35% S&P 400 Monthly Averaging
S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point
S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point
Dow Jones Industrial Annual Point-to-Point Dow Jones Industrial Monthly Averaging
DJ EuroSTOXX 50 Annual Point-to-Point Russell 2000 Annual Point-to-Point
Russell 2000 Monthly Averaging Nasdaq100 Monthly Point-to-Point
Nasdaq 100 Annual Point-to-Point
North American Company
North American Prizm Plus 10
10 yrs 79 5.00% 1.10% 87.50% $1,025 09/01/10 0-75: 7.50+
76-79: 5.63+
1-Year Fixed @ 2.00% 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year Dow Jones Monthly Average 1-Year Dow Jones Point-to-Point
1-Year Russell 2000 Monthly Averaging 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point
1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point
1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
North American Ten
10 yrs 79 10.00% 3.00% 100% $1,478 09/01/10 0-75: 6.50+
76-79: 4.88+
1-Year Fixed Account @ 1.30% 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones Monthly Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Russell 2000 Monthly Average
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 400 Monthly Average
1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1 - Year Hindsight Index Strategy
North American Company
Pillar
10 yrs (NQ) 5.00% 09/01/10 0-75: 6.50+
76-79: 4.88+
Fixed @ 1.65% S&P 500 Daily Averaging w/ Participation
S&P 500 Annual Point-to-Point w/Participation S&P 500 Annual Point-to-Point w/ Cap
S&P 500 Monthly Point-to-Point
North American Company
Precision 10
10 yrs 79 5.00% 1.10% 87.50% $1,025 09/01/10 0-75: 7.50+
76-79: 5.63+
Fixed @ 2.00% S&P 500 Monthly Point-to-Point Cap
S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point
S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point
Nasdaq-100 Annual Point-to-Point 1 - Year Hindsight Index Strategy
Dow Jones EuroStoxx 50 Point-to-Point Russell 2000 Annual Daily Average
Russell 2000 Annual Point-to-Point Nasdaq - 100 Monthly Point-to-Point
Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point
OM Financial Life Ins. Co.
OM Index-Accelerator 10
10 yrs 85 8.00% 1.00-1.10% 87.50% $1,054 09/01/10 0-79: 8.00+
80-85: 4.00+
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average
1-Year S&P 500 Point-to-Point 2-Year S&P 500 Monthly Average with Cap
Fixed Interest Option @ 1.10%
OM Financial Life Ins. Co.
OM Index-Escalator 10
10 yrs 85 1.00% 1.00% 87.50% $ 976 09/01/10 0-79: 6.50+
80-85: 3.25+
Fixed Account @ 1.25% 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Annual Point-to-Point
OM Financial Life Ins. Co.
OM Index-Safety 10 -Low
10 yrs 85 2.50% 100% $1,280 09/01/10 0-79: 7.00+
80-85: 3.50+
1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap
1 Year S&P 500 Monthly Average Cap Fixed Account @ 1.75%
OM Financial Life Ins. Co.
OM Index-Safety 10 -High
10 yrs 85 2.50% 100% $1,280 09/01/10 0-79: 7.00+
80-85: 3.50+
Fixed Account @ 2.00% 1 Year S&P 500 Monthly Point-to-Point Cap
1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap
OM Financial Life Ins. Co. (NY)
OMNY Index-Spectrum 10
10 yrs 85 2.00% 1.00% 100% $1,127 09/01/10 0-80: 5.00
81-85: 2.50
S&P 500 Monthly Point-to-Point S&P 500 Monthly Averaging
S&P 500 Annual Point-to-Point Fixed @ 2.00%
RBC Insurance
RBC Choice 10 SPDA
10 yrs 85 1.00% 87.50% $ 967 09/01/10 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
1-Year Fixed Account @ 2.05% 1 Year S&P 500 Annual Point to Point Cap
1 Year S&P 500 Monthly Additive Point to Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap
RBC Insurance
RBC Enhanced Choice 10 SPDA
10 yrs 85 5.00% 1.00% 87.50% $1,015 09/01/10 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Fixed Account @ 1.05% 1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account
1-Year DJIA Monthly Average Indexed Account
Surrender Charges Last 9 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9
9 yrs 85 4.00% 2.00% 90.00% $1,119 08/27/10 0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
Fixed Interest Account @ 2.00% Monthly Additive Account with Cap
2-Year Point-to-Point Account with Cap
Amer. General Life Ins. Co.
VisionAdvantage 9
9 yrs 80 2.00% 90.00% $1,076 08/27/10 0-75: 6.00
76-80: 5.00
Fixed Interest Account @ 2.30% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Monthly Average Account with Index Spread
EquiTrust Life Ins. Co.
Market Booster Index
9 yrs 80 4.00% 1.00% 87.50% $ 995 09/02/10 0-80: 6.00+
1-Year Fixed Interest Account @ 1.50% 1-Year S&P 500 Point-to-Point Cap Index Account
1-Year S&P 500 Daily Average Cap Index Account 1-Year S&P 500 Monthly Averaging Participation Index Account
1-Year S&P 500 Monthly Cap
Forethought Financial
Forethought Destination Indexed 9 -Low
9 yrs 78 3.00% 90.00% $1,174 08/06/10 0-75: 5.50
76-78: 3.50
Fixed Account @ 2.50% 3-Year S&P 500 Point-to-Point Cap
3-Year Monthly Point-to-Point Cap
Forethought Financial
Forethought Destination Indexed 9 -Mid
9 yrs 78 3.00% 90.00% $1,174 08/06/10 0-75: 5.50
76-78: 3.50
Fixed Account @ 2.50% 3-Year Monthly Point-to-Point Cap
3-Year S&P 500 Point-to-Point Cap
Forethought Financial
Forethought Destination Indexed 9 -High
9 yrs 78 3.00% 90.00% $1,174 08/06/10 0-75: 5.50
76-78: 3.50
Fixed Account @ 2.50% 3-Year S&P 500 Point-to-Point Cap
3-Year Monthly Point-to-Point Cap
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -Low
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 6.50+
Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 6.50+
Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -Low
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 1.50+
Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -High
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 1.50+
Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80 1.75% 100% $1,169 09/01/10 0-75: 7.00+
76-80: 5.25+
Fixed @ 1.90% 1-Year Point-to-Point
1-Year Monthly Average 1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80 1.75% 100% $1,169 09/01/10 0-75: 7.00+
76-80: 5.25+
1-Year Monthly Cap 1-Year Monthly Average
1-Year Point-to-Point Fixed @ 2.05%
OM Financial Life Ins. Co.
OM Index-Spectrum 9
9 yrs 85 3.00% 1.00-1.10% 103.00% $1,171 09/01/10 0-79: 9.00
80-85: 4.50
Fixed Account @ 1.50% 1-Year S&P 500 Monthly Point-to-Point
2-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point
Surrender Charges Last 8 Years
Amer. General Life Ins. Co.
AG Global 8 Index Annuity
8 yrs 80 2.00% 90.00% $1,054 08/27/10 0-75: 6.00
76-80: 4.75
Fixed Interest Account @ 2.00% Annual Point-to-Point Account with Participation Rate
Monthly Additive Account with Cap Global Multiple Index Account with Cap
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85 2.00% 100% $1,172 09/01/10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Fixed @ 2.35% Performance Triggered
2-Year Point to Point
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85 2.00% 100% $1,172 09/01/10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Performance Triggered 2-Year Point to Point
Fixed @ 2.50%
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 2.00% 1.60% 100% $1,158 09/01/10 0-75: 3.00
76-80: 2.00
81-85: 1.00
Fixed @ 2.10% 2-Year Monthly Cap
2-Year Point to Point Performance Triggered
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 3.00% 1.60% 100% $1,169 09/01/10 0-75: 3.00
76-80: 2.00
81-85: 1.00
Performance Triggered 2-Year Point to Point
2-Year Monthly Cap Fixed @ 2.10%
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85 1.10% 87.50% $ 955 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 2.70% 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85 1.10% 87.50% $ 955 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 3.05% 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100
1-Year Anual Point-to-Point DJIA 1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company
Freedom Choice 8 -Low
8 yrs 85 1.10% 87.50% $ 955 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 2.35% 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Anual Point-to-Point S&P 400
North American Company
Freedom Choice 8 -High
8 yrs 85 1.10% 87.50% $ 955 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500
1-Year Fixed @ 2.75% 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50
OM Financial Life Ins. Co.
OM Index-Escalator 8
8 yrs 85 1.00% 1.00% 87.50% $ 957 09/01/10 0-79: 5.50+
80-85: 2.75+
Fixed Account @ 1.25% 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Annual Point-to-Point
RBC Insurance
RBC Enhanced Choice 8 SPDA
8 yrs 85 2.00% 1.00% 87.50% $ 966 09/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.50+
Fixed Account @ 1.05% 1-Year S&P 500 Annual Point-to-Point Cap
1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account
1-Year DJIA Monthly Average Indexed Account
Surrender Charges Last 7 Years
American National Ins. Co.
Value Lock 7
7 yrs 80 1.75% 90.00% $1,016 09/01/10 0-75: 6.00
76-80: 4.00
S&P 500 7 Year Point-to-Point
Amer. General Life Ins. Co.
VisionAdvantage 7
7 yrs 85 2.00% 90.00% $1,034 08/27/10 0-75: 6.00
76-85: 5.00
Fixed Interest Account @ 2.00% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Monthly Average Account with Index Spread
American National Ins. Co.
ANICO Strategy Indexed Annuity 7
7 yrs 85 1.00% 90.00% $ 965 09/01/10
Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Annual Point-to-Point
Aviva Life and Annuity
Income Select 7 -Low
7 yrs 81 2.75% 87.50% $1,058 08/06/10 0-75: 4.00+
76-80: 2.75+
81-81: 2.75+
Fixed @ 2.00% 1-Year DJ EUROSTOXX 50 Point-to-Point
1-Year Hang Seng Point-to-Point 1 Year S&P500 Point-to-Point
1 Year S&P500 Point-to-Point w/ Participation 1-Year S&P500 Monthly Cap
Aviva Life and Annuity
Income Select 7 -High
7 yrs 81 2.75% 87.50% $1,058 08/06/10 0-75: 4.00+
76-80: 2.75+
81-81: 2.75+
Fixed @ 2.40% 1-Year S&P500 Monthly Cap
1 Year S&P500 Point-to-Point w/ Participation 1 Year S&P500 Point-to-Point
1-Year Hang Seng Point-to-Point 1-Year DJ EUROSTOXX 50 Point-to-Point
EquiTrust Life Ins. Co.
Market Seven Index
7 yrs 80 1.00% 87.50% $ 938 09/02/10 0-80: 5.50
1-Year Fixed Interest Account @ 1.50% 1-Year Point-to-Point Cap Index Account
1-Year S&P 500 Daily Average Cap Index Account 1-Year S&P 500 Monthly Averaging w/ Participation
1-Year Monthly Cap Index Account
Great Amer. Life Ins. Co.
American Legend II
7 yrs 85 1.00-2.00% 100% $1,149 08/21/10
Qualified
18-75: 5.50+
76-80: 5.10+
81-85: 3.50+
Non-Qualified
0-75: 5.50+
76-80: 5.10+
81-85: 3.50+
Declared Rate Strategy @ 2.00% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Sum
ING USA Annuity and Life
ING Secure Index Seven -Low
7 yrs 80 1.00% 100% $1,072 09/01/10 0-80: 5.00+
Fixed Rate Strategy @ 1.80% Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Secure Index Seven -High
7 yrs 80 1.00% 100% $1,072 09/01/10 0-80: 5.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.80%
Lincoln Benefit Life
Savers Index I -Low
7 yrs 75 (NQ) 3.00% 90.00% $1,107 08/30/10 0-75: 3.45
76-90: 2.40
Option 2 Option 1
Lincoln Benefit Life
Savers Index I -High
7 yrs 75 (NQ) 3.00% 90.00% $1,107 08/30/10 0-75: 3.45
76-90: 2.40
Option 1 Option 2
Lincoln Benefit Life
Savers Index I (ROP) -Low
7 yrs 75 (NQ) 3.00% 90.00% $1,107 08/30/10 0-75: 3.45
76-90: 2.40
Option 1 Option 2
Lincoln Benefit Life
Savers Index I (ROP) -High
7 yrs 75 (NQ) 3.00% 90.00% $1,107 08/30/10 0-75: 3.45
76-90: 2.40
Option 1 Option 2
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85 1.50% 100% $1,110 09/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed @ 1.70% 1-Year Monthly Cap
1-Year Monthly Average 1-Year Point-to-Point
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85 1.50% 100% $1,110 09/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed @ 1.85% 1-Year Point-to-Point
1-Year Monthly Average 1-Year Monthly Cap
North American Company
Charter 7
7 yrs 85 1.10% 87.50% $ 945 09/01/10 0-75: 7.50+
76-80: 5.63+
81-85: 3.75+
1-Year Fixed @ 1.45% 1-Year S&P 400 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1- Year Hindsight Index Strategy
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Daily Average
1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year NASDAQ Monthly Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
North American Prizm Plus 7
7 yrs 85 1.10% 87.50% $ 945 09/01/10 0-75: 7.50+
76-80: 0.56+
81-85: 3.75+
1-Year Fixed @ 1.45% 1-Year S&P 500 Monthly Average
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Monthly Average
1-Year Russell 2000 Point-to-Point 1-Year Nasdaq100 Monthly Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year Dow Jones Monthly Average
1-Year Dow Jones Point-to-Point
North American Company
Precision 7
7 yrs 85 1.10% 87.50% $ 945 09/01/10 0-75: 7.50+
76-80: 5.63+
81-85: 3.75+
Fixed @ 1.45% Dow Jones Annual Daily Average
Dow Jones Annual Point-to-Point Dow Jones EuroStoxx 50 Point-to-Point
Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point
Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point
1 - Year Hindsight Index Strategy S&P 400 Annual Daily Average
S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point Cap
S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point
OM Financial Life Ins. Co.
OM Index-Accelerator 7
7 yrs 85 3.00% 1.00-1.10% 100% $1,112 09/01/10 0-79: 5.00+
80-85: 2.50+
Fixed Interest Option @ 1.75% 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point
2-Year S&P 500 Monthly Average with Cap
OM Financial Life Ins. Co.
OM Index-Safety 7 -Low
7 yrs 85 2.50% 100% $1,189 09/01/10 0-79: 5.50
80-85: 2.75
Fixed Account @ 1.75% 1 Year S&P 500 Monthly Point-to-Point Cap
1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap
OM Financial Life Ins. Co.
OM Index-Safety 7 -High
7 yrs 85 2.50% 100% $1,189 09/01/10 0-79: 5.50
80-85: 2.75
1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap
1 Year S&P 500 Monthly Average Cap Fixed Account @ 2.00%
OM Financial Life Ins. Co. (NY)
OMNY Index-Safety 7
7 yrs 85 1.00% 100% $1,072 09/01/10 0-80: 4.50
81-85: 2.25
Fixed @ 2.00% S&P 500 Monthly Point-to-Point
S&P 500 Monthly Averaging S&P 500 Annual Point-toPoint
Surrender Charges Last 6 Years
American National Ins. Co.
ANICO EIA
6 yrs 85 1.50-3.00% 90.00% $1,075 09/01/10 0-79: 5.00
80-85: 3.00
Performance Triggered
Forethought Financial
Forethought Destination Indexed 6 -Low
6 yrs 80 3.00% 90.00% $1,075 08/06/10 0-75: 3.50
76-80: 2.25
3-Year S&P 500 Point-to-Point Cap 3-Year Monthly Point-to-Point Cap
Fixed Account @ 2.50%
Forethought Financial
Forethought Destination Indexed 6 -Mid
6 yrs 80 3.00% 90.00% $1,075 08/06/10 0-75: 3.50
76-80: 2.25
Fixed Account @ 2.50% 3-Year S&P 500 Point-to-Point Cap
3-Year Monthly Point-to-Point Cap
Forethought Financial
Forethought Destination Indexed 6 -High
6 yrs 80 3.00% 90.00% $1,075 08/06/10 0-75: 3.50
76-80: 2.25
Fixed Account @ 2.50% 3-Year S&P 500 Point-to-Point Cap
3-Year Monthly Point-to-Point Cap
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85 1.75% 100% $1,110 09/01/10 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Fixed @ 2.10% Performance Triggered
2-Year Point to Point
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85 1.75% 100% $1,110 09/01/10 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Performance Triggered 2-Year Point to Point
Fixed @ 2.25%
North American Company
Freedom Choice (5%) 6 -Low
6 yrs 85 1.10% 87.50% $ 934 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 1.75% 1-Year Anual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Anual Point-to-Point S&P 400
North American Company
Freedom Choice (5%) 6 -High
6 yrs 85 1.10% 87.50% $ 934 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
1-Year Fixed @ 2.15% 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA
North American Company
Freedom Choice 6 -Low
6 yrs 85 1.10% 87.50% $ 934 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 1.45% 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
1-Year Anual Point-to-Point S&P 400
North American Company
Freedom Choice 6 -High
6 yrs 85 1.10% 87.50% $ 934 09/01/10 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
1-Year Fixed @ 1.90% 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50
OM Financial Life Ins. Co.
OM Index-Escalator 6
6 yrs 85 1.00% 1.00% 87.50% $ 938 09/01/10 0-79: 4.00
80-85: 2.00
Fixed Account @ 1.25% 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Annual Point-to-Point
Surrender Charges Last 5 Years
Aviva Life and Annuity
Income Select 5 -Low
5 yrs 83 2.75% 87.50% $1,002 08/06/10 0-75: 3.00+
76-80: 2.05+
81-83: 1.95+
Fixed @ 2.00% 1-Year S&P 500 Point-to-Point (Participation)
1-Year S&P500 Point-to-Point 1-Year S&P500 Monthly Cap
1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year Hang Seng Point-to-Point
Aviva Life and Annuity
Income Select 5 -High
5 yrs 83 2.75% 87.50% $1,002 08/06/10 0-75: 3.00+
76-80: 2.05+
81-83: 1.95+
Fixed @ 2.05% 1-Year Hang Seng Point-to-Point
1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year S&P500 Monthly Cap
1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point (Participation)
ING USA Annuity and Life
ING Secure Index Five -Low
5 yrs 80 1.50% 100% $1,077 09/01/10 0-80: 4.00+
Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50%
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP)
ING USA Annuity and Life
ING Secure Index Five -High
5 yrs 80 1.50% 100% $1,077 09/01/10 0-80: 4.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP)
Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50%
Lincoln Benefit Life
Saver's Index Annuity Plus -Low
5 yrs 85 1.50% 100% $1,077 08/30/10 0-75: 3.45
76-85: 2.40
Fixed @ 1.00% 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low Watermark 1-Year S&P 500 Monthly Average w/ Cap
1-Year S&P 500 Monthly Cap
Lincoln Benefit Life
Saver's Index Annuity Plus -High
5 yrs 85 1.50% 100% $1,077 08/30/10 0-75: 3.45
76-85: 2.40
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low Watermark
1-Year S&P 500 Monthly Average w/ Cap 1-Year S&P 500 Monthly Cap
Fixed @ 1.00%
Lincoln Benefit Life
Saver's Index Annuity Plus (ROP) -Low
5 yrs 85 1.50% 100% $1,077 08/30/10 0-75: 3.45
76-85: 2.40
Fixed @ 0.85% 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low Watermark 1-Year S&P 500 Monthly Average w/ Cap
1-Year S&P 500 Monthly Cap
Lincoln Benefit Life
Saver's Index Annuity Plus (ROP) -High
5 yrs 85 1.50% 100% $1,077 08/30/10 0-75: 3.45
76-85: 2.40
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low Watermark
1-Year S&P 500 Monthly Average w/ Cap 1-Year S&P 500 Monthly Cap
Fixed @ 0.85%
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85 1.25% 100% $1,064 09/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Fixed @ 1.50% 1-Year Point-to-Point
1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85 1.25% 100% $1,064 09/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Point-to-Point 1-Year Monthly Cap
1-Year Monthly Average Fixed @ 1.65%
North American Company
North American Formula Choice
5 yrs 85 09/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Fixed @ 1.50% 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point
1-Year Dow Jones Industrial Average Point-to-Point
Surrender Charges Last 3 Years
Forethought Financial
Forethought Destination Indexed 3 -Low
3 yrs (NQ) 3.00% 90.00% $ 983 08/06/10 0-75: 1.00
76-85: 0.25
Fixed Account @ 2.50% 3-Year Monthly Point-to-Point Cap
3-Year S&P 500 Point-to-Point Cap
Forethought Financial
Forethought Destination Indexed 3 -Mid
3 yrs (NQ) 3.00% 90.00% $ 983 08/06/10 0-75: 1.00
76-85: 0.25
3-Year S&P 500 Point-to-Point Cap 3-Year Monthly Point-to-Point Cap
Fixed Account @ 2.50%
Forethought Financial
Forethought Destination Indexed 3 -High
3 yrs (NQ) 3.00% 90.00% $ 983 08/06/10 0-75: 1.00
76-85: 0.25
Fixed Account @ 2.50% 3-Year Monthly Point-to-Point Cap
3-Year S&P 500 Point-to-Point Cap
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