Fixed Indexed Annuities

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Age

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% Premium

Return per $1000

Last Change

States

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

1.75%

90.00%

$1,071

09/01/10

Not
Available in:

MA MN ND NJ NY OR PR VI VT

S&P 500 10 Year Point-to-Point

Allianz Life
MasterDex 10 Plus Annuity

10 yrs

10.00%

1.50%

87.50%

$1,117

08/03/10

Not
Available in:

CA CT NY OR PA PR UT VI WA

Fixed @ 3.00%	1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year S&P 500 Monthly Cap
1 Year S&P 500 Point-to-Point Cap

Allianz Life
MasterDex 5 Plus Annuity

10 yrs

5.00%

2.00%

87.50%

$1,120

08/03/10

Not
Available in:

NY OR PR VI

Fixed Interest Option @ 2.15%	1 Year S&P 500 Monthly Sum Cap
1 Year S&P 500 Point-to-Point Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap	1 Year Nasdaq 100 Monthly Sum Cap
1 Year Nasdaq 100 Point-to-Point Cap

Allianz Life
MasterDex X Annuity

10 yrs

10.00%

2.50%

87.50%

$1,232

08/03/10

Not
Available in:

CT NY OR PR VI WA

1 Year Fixed @ 2.15%	1 Year S&P 500 Monthly Cap
1 Year S&P 500 Point-to-Point Cap	1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Euro STOXX 50 Monthly Cap	1 Year Nasdaq 100 Monthly Cap
1 Year Nasdaq 100 Point-to-Point Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread

Amer. General Life Ins. Co.
AG Global Bonus Index Annuity

10 yrs

5.00%

2.00%

100%

$1,280

08/27/10

Not
Available in:

AK CT DE MN NJ NY OR PA PR TX UT VI VT WA

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

5.00%

2.00%

90.00%

$1,152

08/27/10

Not
Available in:

AK DE IL MN MS NJ NY OR PA PR TX UT VI VT WA

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

1.00%

100%

$1,105

09/01/10

Not
Available in:

MA MN NY OR PA PR UT VI VT

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Point-to-Point

Lincoln Benefit Life
Saver's Index Annuity Premier -Low

10 yrs

3.00%

1.50%

100%

$1,195

08/30/10

Not
Available in:

AK CT MN NJ NY PA PR UT VI WA

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

3.00%

1.50%

100%

$1,195

08/30/10

Not
Available in:

AK CT MN NJ NY PA PR UT VI WA

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

Not
Available in:

NY OR PR VI

Option 1

Account B

Lincoln Benefit Life
Savers Index III -High

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

08/30/10

Not
Available in:

NY OR PR VI

Option 1

Account B

Lincoln Financial Group
Lincoln OptiPoint 10 -Low

10 yrs

3.00%

1.80%

100%

$1,231

09/01/10

Not
Available in:

AK MN NY OR UT

Fixed @ 2.10%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Lincoln Financial Group
Lincoln OptiPoint 10 -High

10 yrs

4.00%

1.80%

100%

$1,243

09/01/10

Not
Available in:

AK MN NY OR UT

2-Year Monthly Cap	2-Year Point to Point
Performance Triggered	Fixed @ 2.10%

Surrender Charges Last 9 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9

9 yrs

4.00%

2.00%

90.00%

$1,119

08/27/10

Not
Available in:

AK MN NJ NY OK OR PR UT VI VT WA

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

2.00%

90.00%

$1,076

08/27/10

Not
Available in:

AK CT DE MN NJ NY OR PA PR TX UT VI VT WA

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

Lincoln Financial Group
Lincoln OptiChoice 9 -Low

9 yrs

1.75%

100%

$1,169

09/01/10

Not
Available in:

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

1.75%

100%

$1,169

09/01/10

Not
Available in:

1-Year Monthly Cap	1-Year Monthly Average
1-Year Point-to-Point	Fixed @ 2.05%

Surrender Charges Last 8 Years

Amer. General Life Ins. Co.
AG Global 8 Index Annuity

8 yrs

2.00%

90.00%

$1,054

08/27/10

Not
Available in:

NY PR VI VT

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

2.00%

100%

$1,172

09/01/10

Not
Available in:

Fixed @ 2.35%	Performance Triggered
2-Year Point to Point

Lincoln Financial Group
Lincoln New Directions 8 -High

8 yrs

2.00%

100%

$1,172

09/01/10

Not
Available in:

Performance Triggered	2-Year Point to Point
Fixed @ 2.50%

Lincoln Financial Group
Lincoln OptiPoint 8 -Low

8 yrs

2.00%

1.60%

100%

$1,158

09/01/10

Not
Available in:

MN NY OR UT

Fixed @ 2.10%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Lincoln Financial Group
Lincoln OptiPoint 8 -High

8 yrs

3.00%

1.60%

100%

$1,169

09/01/10

Not
Available in:

MN NY OR UT

Performance Triggered	2-Year Point to Point
2-Year Monthly Cap	Fixed @ 2.10%

Surrender Charges Last 7 Years

American National Ins. Co.
Value Lock 7

7 yrs

1.75%

90.00%

$1,016

09/01/10

Not
Available in:

IL MD MN ND NJ NY OR PR UT VI VT

S&P 500 7 Year Point-to-Point

Allianz Life
Endurance 10

7 yrs

08/03/10

Check with carrier

1 Year S&P 500 Monthly Average Spread	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point	Fixed Account @ 2.50%
1 Year Nasdaq 100 Monthly Average Spread	1-Year Nasdaq 100 Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point	1-Year FTSE 100 Monthly Point-to-Point
1-Year FTSE 100 Point-to-Point	1 Year FTSE 100 Monthly Average Spread
1 Year Blended Monthly Average Spread	1-Year Blended Point-to-Point

Allianz Life
MasterDex Plus Annuity

7 yrs

1.50%

87.50%

$ 971

08/03/10

Not
Available in:

NY OR PR VI

1 Year S&P 500 Monthly Cap	1 Year S&P 500 Point-to-Point Cap
Fixed Account @ 2.15%	1 Year Nasdaq 100 Monthly Cap
1 Year Nasdaq 100 Point-to-Point Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread

Amer. General Life Ins. Co.
VisionAdvantage 7

7 yrs

2.00%

90.00%

$1,034

08/27/10

Not
Available in:

CT DE MN NJ NY OR PA PR UT VI VT WA

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

1.00%

90.00%

$ 965

09/01/10

Not
Available in:

MA MN NY OR PA PR UT VI VT

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Annual Point-to-Point

Lincoln Benefit Life
Savers Index I -Low

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

08/30/10

Not
Available in:

AK NJ NY OR PR UT VI VT WA

Option 2

Option 1

Lincoln Benefit Life
Savers Index I -High

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

08/30/10

Not
Available in:

AK NJ NY OR PR UT VI VT WA

Option 1

Option 2

Lincoln Financial Group
Lincoln OptiChoice 7 -Low

7 yrs

1.50%

100%

$1,110

09/01/10

Not
Available in:

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

1.50%

100%

$1,110

09/01/10

Not
Available in:

Fixed @ 1.85%	1-Year Point-to-Point
1-Year Monthly Average	1-Year Monthly Cap

Surrender Charges Last 6 Years

American National Ins. Co.
ANICO EIA

6 yrs

1.50-3.00%

90.00%

$1,075

09/01/10

Not
Available in:

MN ND NY OK OR PR VI WA

Performance Triggered

Lincoln Financial Group
Lincoln New Directions 6 -Low

6 yrs

1.75%

100%

$1,110

09/01/10

Not
Available in:

Fixed @ 2.10%	Performance Triggered
2-Year Point to Point

Lincoln Financial Group
Lincoln New Directions 6 -High

6 yrs

1.75%

100%

$1,110

09/01/10

Not
Available in:

Performance Triggered	2-Year Point to Point
Fixed @ 2.25%

Surrender Charges Last 5 Years

Lincoln Benefit Life
Saver's Index Annuity Plus -Low

5 yrs

1.50%

100%

$1,077

08/30/10

Not
Available in:

NY PR VI

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

1.50%

100%

$1,077

08/30/10

Not
Available in:

NY PR VI

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 Financial Group
Lincoln OptiChoice 5 -Low

5 yrs

1.25%

100%

$1,064

09/01/10

Not
Available in:

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

1.25%

100%

$1,064

09/01/10

Not
Available in:

1-Year Point-to-Point	1-Year Monthly Cap
1-Year Monthly Average	Fixed @ 1.65%

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.