Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 14 Years
EquiTrust Life Insurance Company Market Power Bonus Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	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: CT DE FL MN NY OR PR TX UT VI WA	0-80: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (14 years): 20 20 19 19 18 17 16 14 12 10 8 6 4 2 For states IL (10 years): 17 16 15 15 14 13 12 11 10 9.5 For states AK (10 years): 17 15 14 12 10 9 7 4 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%  (GMR/1000 $1,456)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Interest Account 1-Year Fixed Rate (no bonus) 2.85% 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     7.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     6.00 2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     100.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.65 1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 70
EquiTrust Life Insurance Company MarketTwelve Bonus	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	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 CT DE MN NY OR PR TX UT VI WA
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		20 20 19 19 18 17 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%  (GMR/1000 $1,403)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.60% 1-Year S&P 500 Point-to-Point w/Cap S&P 500 Point to Point Annual None     5.50 1-Year S&P 500 Daily Average w/ Cap S&P 500 Point to Point Annual Daily     6.00 1-Year S&P 500 Monthly Average w/Participation S&P 500 Point to Point Annual Monthly 65     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.40 2-Year Monthly Average Cap S&P 500 Point to Point Biennial Monthly     20.00
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	0-75: 8.50+ see notes
	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 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 Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None     3.00 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 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 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 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	0-75: 5.50+ see notes
	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 DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.50 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     10.25 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	0-75: 5.50+ see notes
	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 Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.80 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.45 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 DJIA DJIA Point to Point Annual None     11.10 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     11.35
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	0-75: 5.50+ see notes
	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 NADAQ 100 Nasdaq 100 Point to Point Annual None     8.10 1-Year Anual Point-to-Point Russell 2000 Russell 2000 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	0-75: 5.50+ see notes
	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 Russell 2000 Russell 2000 Point to Point Annual None     9.00 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 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	0-75: 8.50+ see notes
	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 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     1-Year Lehman Bros. U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None 55
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	0-75: 8.50+ see notes
	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% Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None 50   5.50 Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 50   5.50 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 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 Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 50   5.50 1 - Year Hindsight Index Strategy Blended Indicies 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 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	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	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%
Great American Life Insurance Company American Valor II	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- 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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT NY PR VI	Qualified 18-75: 6.50+ 76-80: 5.35+ 81-85: 3.60+ Non-Qual 0-75: 6.50+ 76-80: 5.35+ 81-85: 3.60+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Age 58+ (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 0 to 57 (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00-2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 100   6.50 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     7.00 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.75%
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	0-75: 8.00+ see notes
	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% 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
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	0-75: 8.00+ see notes
	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% 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
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	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	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	0-75: 10.00 76-80: 8.00
	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
EquiTrust Life Insurance Company Market Value Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	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: NY OR PR TX VI	0-80: 7.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 12 12 12 12 11 10 8 6 4 2 For states AK, CT, MN, UT, WA (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%  (GMR/1000 $1,176)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.25% 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     7.00 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     8.00 2-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Biennial Monthly     100.00 1-Year S&P 500 Monthly Averaging w/ Participation S&P 500 Point to Point Annual Monthly 80     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     3.00
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	0-75: 8.00 76-90: 5.50
	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 Account B S&P 500 Point to Point Annual None 100 0.00 5.00
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	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  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 MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,231)
	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 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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 MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,243)
	Account Name Indicie Type Reset Averaging Part Spread Cap 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 Fixed 1-Year Fixed Rate (no bonus) 2.55%
OM Financial Life Insurance Company OMIndex-Escalator 10	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  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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI VT WA	0-79: 6.50+ 80-85: 3.25+ see notes
	Withdrawal Notes:			Premium Bonus: 1.00
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 For states AK, CT, MN, UT (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $976)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     5.00 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     5.00

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