New York MYGA

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
American National Life Insurance Company of NY Palladium MYG 10 High-Band	A	100,000	05/01/12	1	3.55	2.65	0-79: 4.00 80-85: 2.00
	A	100,000	05/01/12	2-10	2.55	2.65	0-79: 4.00 80-85: 2.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	05/01/12	1-10	2.55	2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	05/01/12			2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
American National Life Insurance Company of NY Palladium MYG 10 Low-Band	A	5,000	05/01/12	1	3.45	2.55	0-79: 4.00 80-85: 2.00
	A	5,000	05/01/12	2-10	2.45	2.55	0-79: 4.00 80-85: 2.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	05/01/12	1-10	2.40	2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
Rate Guaranteed 9 Years
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	A+	100,000	05/01/12	1-9	2.55	2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	05/01/12			2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	A+	10,000	05/01/12	1-9	2.40	2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
Rate Guaranteed 8 Years
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 8 [MVA]	A+	10,000	05/01/12	1-8	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	A+	10,000	05/01/12	1-8	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
Rate Guaranteed 7 Years
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 7 High-Band [MVA]	A+	100,000	05/01/12	1-7	2.40	2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	05/01/12			2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
American National Life Insurance Company of NY Palladium MYG 7 High-Band	A	100,000	05/01/12	1	3.15	2.29	0-79: 2.50 80-85: 0.50
	A	100,000	05/01/12	2-7	2.15	2.29	0-79: 2.50 80-85: 0.50
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 7 Low-Band [MVA]	A+	10,000	05/01/12	1-7	2.25	2.25	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.25	0-75: 2.50 76-80: 1.60 81-85: 1.00
American National Life Insurance Company of NY Palladium MYG 7 Low-Band	A	5,000	05/01/12	1	3.05	2.19	0-79: 2.50 80-85: 0.50
	A	5,000	05/01/12	2-7	2.05	2.19	0-79: 2.50 80-85: 0.50

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 6 Years
American National Life Insurance Company of NY Palladium MYG 6 High-Band	A	100,000		05/01/12	1-6	2.00	2.00	0-79: 2.50 80-85: 0.50
	A	100,000		05/01/12			2.00	0-79: 2.50 80-85: 0.50
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 6 High-Band [MVA]	A+	100,000		05/01/12	1-6	2.00	2.00	0-75: 2.25 76-80: 1.50 81-85: 0.75
	A+	100,000		05/01/12			2.00	0-75: 2.25 76-80: 1.50 81-85: 0.75
American National Life Insurance Company of NY Palladium MYG 6 Low-Band	A	5,000		05/01/12	1-6	1.90	1.90	0-79: 2.50 80-85: 0.50
	A	5,000		05/01/12			1.90	0-79: 2.50 80-85: 0.50
Principal Financial Group Select Series 6 High-Band [MVA]	A+	100,000	1.15	05/15/12	1-6	1.70	1.89	0-79: 3.00 80-85: 1.60
Principal Financial Group Select Series 6 High-Band [MVA]	A+	100,000	1.15	05/15/12			1.89	0-79: 3.00 80-85: 1.60
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 6 Low-Band [MVA]	A+	10,000		05/01/12	1-6	1.85	1.85	0-75: 2.25 76-80: 1.50 81-85: 0.75
	A+	10,000		05/01/12			1.85	0-75: 2.25 76-80: 1.50 81-85: 0.75
Principal Financial Group Select Series 6 Mid-Band [MVA]	A+	50,000	0.25	05/15/12	1-6	1.65	1.69	0-79: 3.00 80-85: 1.60
Principal Financial Group Select Series 6 Mid-Band [MVA]	A+	50,000	0.25	05/15/12			1.69	0-79: 3.00 80-85: 1.60
Principal Financial Group Select Series 6 Low-Band [MVA]	A+	5,000	0.25	05/15/12	1-6	1.55	1.59	0-79: 3.00 80-85: 1.60
Principal Financial Group Select Series 6 Low-Band [MVA]	A+	5,000	0.25	05/15/12			1.59	0-79: 3.00 80-85: 1.60
Principal Financial Group Principal Secure Fixed Annuity 6-Year Guarantee High-Band	A+	100,000	1.15	05/15/12	1-6	1.30	1.49	0-79: 3.00 80-84: 2.00 85-90: 1.05
	A+	100,000	1.15	05/15/12			1.49	0-79: 3.00 80-84: 2.00 85-90: 1.05
Principal Financial Group Principal Secure Fixed Annuity 6-Year Guarantee Mid-Band	A+	50,000	0.25	05/15/12	1-6	1.15	1.19	0-79: 3.00 80-84: 2.00 85-90: 1.05
	A+	50,000	0.25	05/15/12			1.19	0-79: 3.00 80-84: 2.00 85-90: 1.05
Principal Financial Group Principal Secure Fixed Annuity 6-Year Guarantee Low-Band	A+	5,000	0.25	05/15/12	1-6	1.05	1.09	0-79: 3.00 80-84: 2.00 85-90: 1.05
	A+	5,000	0.25	05/15/12			1.09	0-79: 3.00 80-84: 2.00 85-90: 1.05
Rate Guaranteed 5 Years
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 5 High-Band [MVA]	A+	100,000		05/01/12	1-5	1.70	1.70	0-75: 2.00 76-80: 1.30 81-85: 0.75
	A+	100,000		05/01/12			1.70	0-75: 2.00 76-80: 1.30 81-85: 0.75
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 5 Low-Band [MVA]	A+	10,000		05/01/12	1-5	1.55	1.55	0-75: 2.00 76-80: 1.30 81-85: 0.75
	A+	10,000		05/01/12			1.55	0-75: 2.00 76-80: 1.30 81-85: 0.75
American National Life Insurance Company of NY Palladium MYG 5 High-Band	A	100,000		05/01/12	1	2.10	1.30	0-79: 3.00 80-85: 1.00
	A	100,000		05/01/12	2-5	1.10	1.30	0-79: 3.00 80-85: 1.00
American National Life Insurance Company of NY Palladium MYG 5 Low-Band	A	5,000		05/01/12	1	2.00	1.20	0-79: 3.00 80-85: 1.00
	A	5,000		05/01/12	2-5	1.00	1.20	0-79: 3.00 80-85: 1.00
Principal Financial Group Principal Guaranteed Annuity 5-Year Guaranty	A+	5,000		05/15/12	1-5	1.00	1.00	0-80: 4.10 81-85: 2.75 86-90: 1.45
	A+	5,000		05/15/12			1.00	0-80: 4.10 81-85: 2.75 86-90: 1.45

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 4 Years
Principal Financial Group Principal Secure Fixed Annuity 4-Year Guarantee High-Band	A+	100,000	0.50	05/15/12	1-4	1.00	1.13	0-79: 2.25 80-84: 1.50 85-UP: 0.75
	A+	100,000	0.50	05/15/12			1.13	0-79: 2.25 80-84: 1.50 85-UP: 0.75
Principal Financial Group Principal Secure Fixed Annuity 4-Year Guarantee Mid-Band	A+	50,000	0.00	05/15/12	1-4	1.00	1.00	0-79: 2.25 80-84: 1.50 85-UP: 0.75
	A+	50,000	0.00	05/15/12			1.00	0-79: 2.25 80-84: 1.50 85-UP: 0.75
Principal Financial Group Principal Secure Fixed Annuity 4-Year Guarantee Low-Band	A+	5,000	0.00	05/15/12	1-4	1.00	1.00	0-79: 2.25 80-84: 1.50 85-UP: 0.75
	A+	5,000	0.00	05/15/12			1.00	0-79: 2.25 80-84: 1.50 85-UP: 0.75

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

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

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

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

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