Fixed Annuity Detail Sheet

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Company - Any - Amer. General Life Ins. Co. American National Ins. Co. Aviva Life and Annuity EquiTrust Life Ins. Co. Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Great Amer. Life Ins. Co. ING USA Annuity and Life Integrity Life Insurance Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York National Integrity Life Ins. North American Company OM Financial Life Ins. Co. OM Financial Life Ins. Co. (NY) RBC Insurance Sun Life Financial Sun Life Ins. and Annuity of New York Symetra Life Insurance Co.

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 14 Years
North American Company North American Flex III	Non-Qualified Owner: 75 Annuitant: Qualified Owner: 75 Annuitant:	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MA MN NV NY OR PR TX UT VI WA	0-75: 4.50+ 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	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.55 2.00 3.25 2.74
Surrender Charges Last 10 Years
North American Company North American Flex II	Non-Qualified Owner: 79 Annuitant: Qualified Owner: 79 Annuitant:	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MA MN NV NY OR PR TX UT VI WA	0-75: 4.50+ 76-79: 3.38+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		15 14 13 12 11 10 8 6 4 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 2.00 3.00 2.55
RBC Insurance Value Master SPDA	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  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 HI MN NJ NY PR VI	0-75: 7.00 76-80: 5.00 81-85: 4.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 3 3.00 3.00 3.00
North American Company Boomer Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MS NY OR PA PR TX UT VI WA	0-75: 7.00+ 76-79: 5.25+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		15 14 13 12 11 10 8 6 4 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.35 3.00 2.85 3.44
American National Insurance Company Palladium Century 7	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  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  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: AL CT IL MA MN NJ NY OR PA PR UT VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 11 10 9 8 6 4 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 7% 9 2.00 2.68 2.68
Forethought Financial Secure Bonus 115sm Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA MO NY OR PR UT VI WA	0-75: 7.00+ 76-85: 4.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
Forethought Financial Secure Bonus 115sm Mid-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  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 CA MO NY OR PR UT VI WA	0-75: 7.00+ 76-85: 4.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
Forethought Financial Secure Bonus 115sm High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA MO NY OR PR UT VI WA	0-75: 7.00+ 76-85: 4.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
Forethought Financial Secure Income 125 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA MA MN MT NV NY OR PR VA VI WA	0-75: 7.00+ 76-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
Forethought Financial Secure Income 125 Mid-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA MA MN MT NV NY OR PR VA VI WA	0-75: 7.00+ 76-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
Forethought Financial Secure Income 125 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA MA MN MT NV NY OR PR VA VI WA	0-75: 7.00+ 76-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
American National Insurance Company Palladium Century 5	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  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  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: AL CT IL MA MN NJ NY OR PA PR UT VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 6 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 5% 7 2.00 2.49 2.49
American General Life Insurance Company AG HorizonMYG	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 MN NJ NY PR UT VI	0-75: 7.50+ 76-80: 5.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 6 Yield to SurrenderTM Current Guarant'd 6 Year Fixed with Bonus 6 Years 4% 6 2.00 2.39 2.39
American National Insurance Company Palladium Century 3	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-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  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: AL CT IL MA MN NJ NY OR PA PR UT VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		11 10 9 8 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 3% 5 2.00 2.30 2.30
Forethought Financial Secure Bonus 115 Plussm Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA IN MO NY OR PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 3% 5 1.00 2.30 1.39
Forethought Financial Secure Bonus 115 Plussm Mid-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA IN MO NY OR PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 3% 5 1.00 2.30 1.39
American National Insurance Company Palladium Century 1	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-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  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: AL CT IL MA MN NJ NY OR PA PR UT VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 1% 3 2.00 2.10 2.10
Forethought Financial Secure Bonus 115 Plussm High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA IN MO NY OR PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2	Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2 1.00 2.00 1.10
Surrender Charges Last 9 Years
North American Company North American Director	Non-Qualified Owner: 85 Annuitant: 0 Qualified Owner: 85 Annuitant: 0	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 MA MN NV NY OR PR TX UT VI WA	0-80: 5.50+ 81-85: 4.13+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		12 11 10 9 8 7 6 4 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 3% 5.5 3.00 2.83 3.27
EquiTrust Life Insurance Company ChoiceFour (MVA Option)	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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 IN MA MD MN NY OK OR PR TX UT VI VT WA	0-80: 5.50 81-85: 4.13 see notes
	Withdrawal Notes:			Premium Bonus: 1.50
	Withdrawal Charges 9 years:		12 11 10 9 8 7 6 4 2	Rate Changed: 09/02/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 2.00 2.67 2.22
American General Life Insurance Company AG HorizonPlus	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: MN NJ NY OR PA PR UT VI WA	0-75: 6.00 76-80: 3.20 81-85: 1.35
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 6 Yield to SurrenderTM Current Guarant'd 6 Year Fixed with Bonus 6 Years 6% 8 2.00 2.65 2.65
EquiTrust Life Insurance Company ChoiceFour (Base Contract)	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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 IN MA MD MN NY OK OR PR TX UT VI VT WA	0-80: 5.50 81-85: 4.13 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		12 11 10 9 8 7 6 4 2	Rate Changed: 09/02/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 2.5 2.00 2.50 2.06
Surrender Charges Last 8 Years
American General Life Insurance Company AG HorizonFlex	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 NY PR UT VI	0-75: 5.00 76-80: 4.00 81-85: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		8 8 8 7 6 5 3 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed with Bonus 1 Year 2% 4 2.00 2.25 2.25
Surrender Charges Last 7 Years
Integrity Life Insurance New Momentum QIO	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- 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  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: ME NH NY PR VI VT WA	0-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 7 6 5 4 3 2	Rate Changed: 08/31/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 4.25 1.50-3.00 4.25 1.89
Symetra Life Insurance Company Symetra Custom 7 (3) Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- 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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.50 86-90: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : 09/07/10
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 3 Yield to SurrenderTM Current Guarant'd 3 Year Fixed with Bonus 3 Years 0.5% 3.6 3.10 3.17 2.25
American National Insurance Company The Eagle Annuity	Product has been withdrawn from sale effective 09/01/2010
Symetra Life Insurance Company Symetra Custom 7 (3) Year Mid-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- 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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.50 86-90: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : 09/07/10
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 3 Yield to SurrenderTM Current Guarant'd 3 Year Fixed with Bonus 3 Years 0.5% 3.55 3.05 3.12 2.23
American National Insurance Company Palladium Group Fixed Deferred	Non-Qualified Owner: Annuitant: 85 Qualified Owner: Annuitant: 80	Non-Qualified Single: 1,200 Monthly: 1,200 Qualified Single: 1,200 Monthly: 1,200	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AL CT IL MA MN OR PA WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 3 2.00 3.00 2.14
Symetra Life Insurance Company Symetra Custom 7 (3) Year Mid-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 50,000 Monthly: 50,000	No- 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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.50 86-90: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : 09/07/10
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 3 Yield to SurrenderTM Current Guarant'd 3 Year Fixed with Bonus 3 Years 0.5% 3.35 2.85 2.92 2.15
Symetra Life Insurance Company Symetra Custom 7 (5) Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- 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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.50 86-90: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : 09/07/10
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year Fixed with Bonus 5 Years 0.5% 3.25 2.75 2.82 2.46

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