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
Featured Products
Surrender Charges Last 10 Years
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-78: 5.50+
Fixed Strategy @ 1.45%
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-78: 5.50+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Average Index Strategy Fixed @ 1.40%
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Average Index Strategy Fixed @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Point-to-Point Index Strategy
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 4.00 1.00% 100% $1,149 02/01/12 0-75: 7.00+
76-80: 4.75+
Fixed Account @ 1.00%
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 5.00 1.00% 100% $1,160 02/01/12 0-75: 7.00+
76-80: 4.75+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 4.00 1.00% 100% $1,149 02/01/12 0-75: 7.00+
76-80: 4.75+
2-Year Point-to-Point Indexed Account 2-Year Monthly Cap Indexed Account
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 5.00 1.00% 100% $1,160 02/01/12 0-75: 7.00+
76-80: 4.75+
2-Year Monthly Cap Indexed Account 2-Year Point-to-Point Indexed Account
Fixed Account @ 1.00%
Surrender Charges Last 8 Years
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 02/01/12 0-75: 6.00
76-80: 4.00
81-85: 2.00
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 02/01/12 0-75: 6.00
76-80: 4.00
81-85: 2.00
2-Year Monthly Cap Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 02/01/12 0-75: 6.00
76-80: 4.00
81-85: 2.00
2-Year Monthly Cap Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 02/01/12 0-75: 6.00
76-80: 4.00
81-85: 2.00
2-Year Point-to-Point Indexed Account Fixed Account @ 1.00%
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 02/01/12 0-75: 6.00
76-80: 4.00
81-85: 2.00
Fixed Account @ 1.00% 2-Year Point-to-Point Indexed Account

Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-05) DE
17 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
1-Year S&P 500 Point-to-Point Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25% 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)
16 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
1 Year S&P 500 Monthly Average Participation Rate 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average with Cap
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Annual Point-to-Point Participation Rate
1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap
Surrender Charges Last 15 Years
Life of the Southwest
SecurePlus Accumulator 5
15 yrs 80 5.00 1.00% 87.50% $1,067 01/29/12 0-70: 7.00+
71-75: 6.00+
76-80: 4.00+
Declared Interest Account @ 2.45% Average Index Account
Ending Index Account
Life of the Southwest
SecurePlus Platinum (after 3/21/06)
15 yrs 80   1.00% 87.50% $1,016 11/22/11 0-70: 10.00
71-74: 9.00
75-UP: 8.00
Average Index Account Ending Index Account
Declared Interest Account @ 2.25%
National Western Life
NWL Ultra Future
15 yrs 55 (NQ) 4.75
to 10.00 		1.00% 87.50% $1,117 08/18/11
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option D: Monthly Cap Option B: Fixed Account @ 1.90%
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 75 10.00 2.00% 87.50% $1,270 10/24/11 0-75: 8.50+
2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation 1-Year Fixed Interest Account @ 1.50%
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Daily Average Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs 75 6.00 2.00% 87.50% $1,224 10/24/11 0-75: 9.00
1-Year Fixed Account @ 1.15% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Monthly Average Participation 2-Year Monthly Average Cap
Fidelity & Guaranty Life
FG AccumulatorPlus 14
14 yrs (NQ)   1.00% 87.50% $1,006 02/02/12 0-85: 7.50
1 Year S&P 500 Point-to-Point with Cap 1-Year Fixed Account @ 3.00%
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average with Cap
1 Year Index Gain Option with Declared Rate
Fidelity & Guaranty Life
Prosperity Elite 14
14 yrs (NQ)   1.00% 87.50% $1,006 02/02/12 0-79: 8.00
80-85: 4.00
Fixed Account @ 2.50% 3-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Average with A Cap 2-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced
14 yrs (NQ) 6.00 1.00% 87.50% $1,066 02/02/12 0-79: 8.00
80-85: 4.00
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap Fixed Account @ 2.50%
1-Year S&P 500 Monthly Average with A Cap 3-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 14 Protection
14 yrs (NQ) 9.00 1.00% 87.50% $1,096 02/02/12 0-79: 8.00
80-85: 4.00
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
Fixed Account @ 2.50% 2-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap
National Western Life
NWL Ultra Benefit
14 yrs 85 4.00
to 5.00 		1.00% 87.50% $1,056 08/18/11
Qualified
0-70: 6.00+
71-75: 3.50+
76-81: 1.50+
Non-Qualified
0-75: 6.00+
76-80: 4.00+
81-85: 1.50+
Option B: Fixed Interest Rate @ 1.00% Option D: Monthly Cap Annual Reset
Option A: Monthly Average Annual Reset
North American Company
Charter 14
14 yrs (NQ) 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+
1-Year Fixed @ 1.50% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year S&P 400 Annual Daily Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Annual Daily Average 1-Year Hindsight Index Strategy
North American Company
Charter 14 (TX)
14 yrs 75   1.00% 87.50% $1,006 01/19/12
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 400 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point
1-Year Russell 2000 Annual Daily Average 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year Dow Jones Annual Point-to-Point 1-Year Fixed @ 2.00%
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Fixed @ 3.35% 1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1 -Year NASDAQ Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Annual Point-to-Point S&P 500 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1 -Year NASDAQ Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Fixed @ 3.05% 1-Year Annual Point-to-Point S&P 500
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Fixed @ 3.10% 1-Year S&P 400 Annual Point-to-Point
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 2.70%
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
North American Prizm Plus 14
14 yrs 75 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+
1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year DJIA Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year Russell 2000 Monthly Averaging
1-Year S&P 400 Monthly Average 1-Year Fixed @ 1.50%
1-Year DJIA Monthly Average 1-Year Russell 2000 Point-to-Point
1-Year S&P 500 Monthly Average 1-Year Nasdaq -100 Monthly Point-to-Point
1-Year Nasdaq 100 Point-to-Point
North American Company
Precision 14
14 yrs 75 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year Dow Jones Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Hindsight Index
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 1.50% 1-Year Russell 2000 Annual Point-to-Point
Surrender Charges Last 13 Years
National Western Life
NWL Ultra Classic
13 yrs 80 (NQ)   1.00% 87.50% $ 996 08/18/11
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qualified
0-75: 10.00+
76-80: 8.50+
Option D: Monthly Cap Annual Reset Option B: Fixed Account @ 2.40%
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co.
Bonus 5 (INDEX-3-07-WA)
12 yrs (NQ) 3.00
to 5.00 		1.50% 87.50% 10/08/11 0-57: 6.00+
58-80: 4.00+
1 Year S&P 500 Monthly Average with Cap Traditional Fixed Value @ 1.75%
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year S&P 500 Monthly Point-to-Point
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00 1.50% 90.00% $1,130 01/30/12 0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.55%
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12 (CA)
12 yrs 85 5.00 2.00% 90.00% $1,198 01/30/12 0-75: 8.00
76-80: 4.00
81-85: 2.50
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 2.00%
Great Amer. Life Ins. Co.
American Valor II
12 yrs 85 3.00
to 5.00 		1.00% 100% $1,183 08/22/11
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 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point
Declared Rate Strategy @ 1.00%
Liberty Life Insurance Co.
Enhanced Choice 12
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/18/12 0-75: 6.50+
76-UP: 3.50+
1-Year S&P 500 Annual Point-to-Point Cap 8 Year Fixed Fixed @ 2.00%
1-Year DJIA Quarterly Point-to-Point Cap 1-Year DJIA Monthly Average Cap
1-Year S&P 500 Monthly Additive Point-to-Point Cap
Life of the Southwest
SecurePlus Elite
12 yrs   1.00% 87.50% $ 986 11/22/11
Call
Average Index Account Ending Index Account
Declared Interest Account @ 1.75%
Life of the Southwest
SecurePlus Elite 5 403(b) & 457
12 yrs   1.95% 87.50% $1,103 11/15/11
Call
1 Year Russell 2000 Annual Point-to-Point 1 Year S&P 500 Annual Point-to-Point
Declared Interest Account @ 1.95%
Life of the Southwest
SecurePlus Premier 8
12 yrs 80 3.00 1.95% 90.00% $1,169 08/29/11 0-75: 8.00+
76-80: 5.00+
81-85: 4.00+
S&P 500 Ending Index Rate Option 2 S&P 500 Ending Index Rate Option 1
Declared Fixed Account @ 1.95% Russell 2000 Ending Index Rate Option 1
1-Year S&P 500 Average Russell 2000 Ending Index Rate Option 2
North American Company
NA Performance Choice 12
12 yrs (NQ)   1.00% 87.50% $ 986 01/19/12 0-75: 6.50+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq 100 Monthly Point-to-Point Cap
1-Year Russell 2000 Point-to-Point 1-Year Nasdaq 100 Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
Inverse Performance Trigger 1-Year Dow Jones Point-to-Point
1-Year S&P 400 Point-to-Point 1-Year Fixed @ 2.50%
1-Year Hang Seng Point-to-Point
North American Company
NA Performance Choice 12 Plus
12 yrs (NQ) 8.00 1.00% 87.50% $1,065 01/19/12 0-75: 6.50+
1-Year Nasdaq 100 Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Hang Seng Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq 100 Monthly Point-to-Point Cap
1-Year Russell 2000 Point-to-Point Inverse Performance Trigger
1-Year Dow Jones Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 1.75%
Surrender Charges Last 10 Years
Forethought Financial
Destination Income 15 -Mid
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00
Fixed Account Strategy @ 2.00%
Forethought Financial
Destination Income 15 -High
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00
Fixed Account Strategy @ 2.00%
Forethought Financial
Destination Income 15 -Low
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00
Fixed Account Strategy @ 2.00%
American National Ins. Co.
Value Lock 10
10 yrs 80   1.00-1.75% 90.00% $1,071 02/01/12 0-75: 10.00
76-80: 8.00
S&P 500 10 Year Point-to-Point
Allianz Life Ins. Co. of North America
Allianz 360 Annuity
10 yrs 80   1.00-1.35% 87.50% $1,001 01/31/12 0-75: 7.00
76-80: 5.00
1-Year Blended Annual Point-to-Point Cap 1-Year Blended Monthly Average Spread
1-Year Eurostoxx 50 Annual Point-to-Point 1-Year Eurostoxx 50 Monthly Sum Cap
1-Year Nasdaq 100 Annual Point-to-Poiont 1-Year Nasdaq 100 Monthly Sum Cap
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Sum Cap
1-Year Fixed Interest Account @ 1.80%
Allianz Life Ins. Co. of North America
Allianz 365i Annuity
10 yrs (NQ) 8.00 2.15% 87.50% $1,169 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year EuroSTOXX 50 Monthly Sum Cap 1 Year EuroSTOXX 50 Point-to-Point Cap
1 Year Nasdaq 100 Point-to-Point Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 SELECT Annual Point-to-Point Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1-Year Nasdaq 100 Monthly Sum Cap 1-Year S&P 500 Monthly Sum Cap
1 Year Fixed Interest Account @ 1.50%
Allianz Life Ins. Co. of North America
Endurance Plus
10 yrs 80   1.50% 90.00% $1,044 01/31/12 0-75: 7.00+
76-80: 3.50+
1 Year Blended Monthly Average 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1-Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point
1-Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point
1 Year Fixed Interest Account @ 1.90% 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year S&P 500 SELECT Point-to-Point Cap
Allianz Life Ins. Co. of North America
MasterDex 10 Plus Annuity
10 yrs 80 10.00 1.00% 87.50% $1,063 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
Fixed Interest Account @ 2.20%
Allianz Life Ins. Co. of North America
MasterDex 3 Plus
10 yrs (NQ) 3.00 2.00% 87.50% $1,099 01/31/12 65-69: 7.00
70-80: 5.00
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Sum
Blended Index Annual Point-to-Point Blended Index Monthly Averaging
FTSE 100 Annual Point-to-Point FTSE 100 Monthly Sum
Nasdaq 100 Annual Point-to-Point Nasdaq 100 Monthly Sum
1-Year Fixed Interest Option @ 1.50%
Allianz Life Ins. Co. of North America
MasterDex 5 Plus Annuity
10 yrs 80 3.00
to 5.00 		2.00% 87.50% $1,120 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
Fixed Interest Account @ 1.50%
Allianz Life Ins. Co. of North America
MasterDex X Annuity
10 yrs 80 6.00 1.95-2.05% 87.50% $1,136 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year Euro STOXX 50 Monthly Cap 1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 SELECT Annual Point-to-Point Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year Fixed Interest Account @ 1.60%
Amer. Equity Investment Life Ins. Co.
10/10 Gold (Index 6-05)
10 yrs (NQ)   1.50% 87.50% 10/08/11 0-75: 6.00+
76-80: 4.50+
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Point-to-Point
10 Year U.S. Treasury Bond Value with Cap
Amer. Equity Investment Life Ins. Co.
Advantage Gold
10 yrs (NQ) 5.00 1.50% 84.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Point-to-Point Cap Traditional Fixed Value @ 1.65%
1 Year S&P 500 Monthly Average with Cap
Amer. Equity Investment Life Ins. Co.
Benefit Gold (ICC10 IDX 110*)
10 yrs (NQ) 5.00 1.50% 87.50% 10/08/11 0-75: 5.25+
76-80: 3.94+
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.60%
1 Year S&P 500 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co.
Millenium Platinum (WA)
10 yrs (NQ)   1.50% 87.50% 10/08/11 0-75: 6.00+
76-80: 4.50+
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average Participation Rate
10 Year U.S. Treasury Bond Value with Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)
10 yrs (NQ) 5.00
to 8.00 		1.50% 87.50% 10/08/11 0-78: 6.00+
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Point-to-Point
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (INDEX-4-10-FL)
10 yrs (NQ) 8.00 1.50% 87.50% 10/08/11 0-64: 6.00+
65-75: 5.25+
76-78: 4.50+
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Point-to-Point Cap
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Annual Point-to-Point Participation Rate
Amer. Equity Investment Life Ins. Co.
Retirement Gold (RG-FIA-09)
10 yrs (NQ) 6.00 1.50% 87.50% 10/08/11 0-78: 5.25+
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Annual Point-to-Point Participation Rate
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00 1.50% 100% $1,219 01/30/12 0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 1.85%
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity (CA)
10 yrs 80 5.00 2.00% 100% $1,280 01/30/12 0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 2.00%
Amer. General Life Ins. Co.
AG Vision Maximizer
10 yrs 75 5.00 1.50% 90.00% $1,097 01/30/12 0-75: 8.00+
Annual Point-to-Point Account with Adjustable Participation Annual Point-to-Point Account with Cap
Monthly Average Account with Index Spread Fixed Interest Account @ 1.50%
Amer. General Life Ins. Co.
AG Vision Maximizer (CA)
10 yrs 75 5.00 2.00% 90.00% $1,152 01/30/12 0-UP: 8.00
Annual Point-to-Point with Adjustable Participation Annual Point-to-Point with Cap
Monthly Average Account with Index Spread Fixed Interest Account @ 2.00%
American National Ins. Co.
ANICO Strategy Indexed Annuity 10
10 yrs 85   1.00% 90.00% $ 994 02/01/12 0-75: 8.00+
76-80: 6.50+
81-85: 5.00+
1 Year S&P 500 Point-to-Point Declared Rate Interest Account @ 1.00%
Americo
Future Provider
10 yrs 0 (NQ)   2.00% 100% $1,219 01/08/12 0-80: 8.25
81-85: 6.50
86-90: 3.00
Declared Interest Option @ 1.00% I-Year S&P 500 Performance Triggered; The EZ Option
1-Year S&P 500 Point-to-Point Participation Rate & Spread 1-Year S&P 500 Monthly Averaging Participation Rate & Spread
1-Year S&P 500 Point-to-Point Participation Rate & Cap 1-Year NASDQ-100 Point-to-Point Participation Rate & Spread
Americo
Future Provider Bonus
10 yrs (NQ) 4.00 2.00% 100% $1,268 01/08/12
Call
1-Year S&P 500 Point-to-Point Participation Rate & Cap 1-Year S&P 500 Monthly Averaging Participation Rate & Spread
1-Year S&P 500 Point-to-Point Participation Rate & Spread Declared Interest Option @ 1.00%
1-Year NASDQ-100 Point-to-Point Participation Rate & Spread I-Year S&P 500 Performance Triggered; The EZ Option
EquiTrust Life Ins. Co.
Market Ten Bonus Index
10 yrs 80 6.00 1.00% 100% $1,171 10/24/11 0-80: 6.00+
2-Year S&P 500 Monthly Average Cap 1-Year Interest Account @ 1.15%
1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Monthly Average Participation Index Account
1-Year S&P 500 Monthly Cap Index Account 1-Year S&P 500 Point-to-Point Cap Index Account
EquiTrust Life Ins. Co.
Market Value Index
10 yrs 80   2.00% 87.50% $1,067 10/24/11 0-80: 6.50+
1-Year Monthly Average Cap Index Account 2-Year Monthly Average Cap Index Account
1-Year Monthly Average Participation Index Account 1-Year Point-to-Point Cap Index Account
1-Year Monthly Cap Index Account 1-Year Fixed Interest Account @ 2.40%
Fidelity & Guaranty Life
FG AccumulatorPlus 10
10 yrs (NQ)   1.00% 87.50% $ 967 02/02/12 0-79: 6.25+
80-85: 3.13+
1 Year Index Gain Option with Declared Rate 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap 1-Year Fixed Account @ 2.50%
1 Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
FG Index-Accelerator 10
10 yrs 85 6.00 1.00-1.10% 87.50% $1,035 02/02/12 0-79: 7.50+
80-85: 3.75+
Fixed Interest Option @ 1.50% 2-Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average
1-Year S&P 500 Monthly Cap
Fidelity & Guaranty Life
Prosperity Elite 10
10 yrs (NQ)   1.00% 87.50% $ 967 02/02/12 0-79: 7.00+
80-85: 3.50+
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
Fixed Account @ 2.25% 3-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Average with A Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 10 Enhanced
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 02/02/12 0-79: 7.00+
80-85: 3.50+
Fixed Account @ 2.25% 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year Performance Triggered Account 2-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Average with A Cap 3-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 10 Protection
10 yrs (NQ) 8.00 1.00% 87.50% $1,044 02/02/12 0-79: 7.00+
80-85: 3.50+
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Average with A Cap 3-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 2.25% 1-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap
Forethought Financial
Bonus Advantage
10 yrs 80 5.00 1.00% 87.50% $1,015 02/01/12 55-75: 7.00
76-80: 5.00
Monthly Point-to-Point with Monthly Cap Monthly Average with Annual Cap
Annual Point-to-Point with Cap Fixed Account @ 1.00%
Forethought Financial
Guaranteed Destinations WA -Low
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Fixed Account Strategy @ 2.00%
Forethought Financial
Guaranteed Destinations WA -Mid
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Monthly Point-to-Point with Cap Annual Cap with Monthly Averaging
Forethought Financial
Guaranteed Destinations WA -High
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Short-Term Account Strategy @ 1.00% Fixed Account Strategy @ 2.00%
Forethought Financial
Guaranteed Destinations WA -Low
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Annual Cap with Monthly Averaging
Forethought Financial
Guaranteed Destinations WA -High
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Annual Cap with Monthly Averaging
Forethought Financial
Guaranteed Destinations WA -Mid
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Short-Term Account Strategy @ 1.00%
Forethought Financial
Guaranteed Destinations WA -Low
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Monthly Point-to-Point with Cap
Forethought Financial
Guaranteed Destinations WA -Mid
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Fixed Account Strategy @ 2.00%
Forethought Financial
Guaranteed Destinations WA -High
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Monthly Point-to-Point with Cap
Forethought Financial
Guaranteed Destinations WA -Low
10 yrs 85 5.00 1.00% 87.50% $1,015 02/01/12 0-75: 7.00
76-85: 5.00
Short-Term Account Strategy @ 1.00%
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -Low
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.00% Monthly Point-to-Point with Cap
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.00% Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.00% Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.00%
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap Annual Point-to-Point with Cap
Fixed Account Strategy @ 1.00%
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.00%
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+
Annual Point-to-Point with Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1 Year Fixed Rate Strategy @ 1.00%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
10-Year Fixed Rate Strategy @ 1.60%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Performance Trigger Strategy 1-Year S&P 500 Annual Cap Strategy
1 Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy 10-Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy 10-Year Fixed Rate Strategy @ 1.50%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1 Year Fixed Rate Strategy @ 1.35%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy 1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy
Great Amer. Life Ins. Co.
American Valor® 10
10 yrs 85 2.00 1.00% 100% $1,127 08/22/11
Qualified
18-75: 6.00+
76-80: 4.50+
81-UP: 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 Declared Rate Strategy @ 1.40%
1 Year S&P 500 Monthly Average with Cap
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85   1.00% 100% $1,105 08/22/11
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+
1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average with Cap
Declared Rate Strategy @ 1.10%
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00 2.00% 87.50% $1,099 01/18/12 0-80: 6.00+
Point-to-Point Cap Index Strategy Fixed Rate Strategy @ 1.50%
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00 2.00% 87.50% $1,099 01/18/12 0-80: 6.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00 2.00% 87.50% $1,099 01/18/12 0-80: 6.00+
Monthly Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00 2.00% 87.50% $1,099 01/18/12 0-80: 6.00+
Fixed Rate Strategy @ 1.50%
Liberty Life Insurance Co.
Choice 10
10 yrs (NQ)   1.00% 87.50% $ 967 01/18/12 0-75: 6.50+
76-UP: 3.50+
1-Year Fixed Account @ 3.00% 1-Year S&P 500 Annual Point-to-Point Cap
1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap
1-Year DJIA Quarterly Point-to-Point Cap
Life of the Southwest
SecurePlus Elite 3 403(b) & 457
10 yrs   1.95% 87.50% $1,061 11/15/11
Call
1 Year Russell 2000 Annual Point-to-Point 1 Year S&P 500 Annual Point-to-Point
Declared Interest Account @ 1.95%
Life of the Southwest
SecurePlus Flex - Gold (H)
10 yrs 85 (NQ)   1.95% 90.00% $1,092 09/22/11 0-75: 7.00
76-80: 5.00
81-85: 3.00
Interest Account @ 1.95% 1-Year SP & 500 Point-to-Point
Life of the Southwest
SecurePlus Gold (Issued on or after 9/14/2010)
10 yrs 85   1.00% 87.50% $ 967 11/22/11 0-75: 7.00+
76-80: 6.00+
81-85: 4.00+
Declared Interest Account @ 1.75% Average Index Account
Ending Index Account
Life of the Southwest
SecurePlus Marquee 10
10 yrs 80   01/29/12
Call
S&P 500 Point-to-Point Daily Average S&P 500 Point-to-Point Option 1
Declared Fixed Rate @ 1.50% S&P 500 Point-to-Point Option 2
Russell 2000 Point-to-Point Option 1 Russell 2000 Point-to-Point Option 2
Life of the Southwest
SecurePlus Marquee 3
10 yrs 85 3.00 01/29/12
Call
Russell 2000 Point-to-Point Option 2 S&P 500 Point-to-Point Daily Average
S&P 500 Point-to-Point Option 1 S&P 500 Point-to-Point Option 2
Russell 2000 Point-to-Point Option 1 Declared Fixed Rate @ 1.00%
Life of the Southwest
SecurePlus Premier 10
10 yrs (NQ)   1.00% 87.50% $ 967 08/29/11
Call
S&P 500 Ending Index Rate Option 1 Declared Fixed Account @ 2.45%
Russell 2000 Ending Index Rate Option 1 S&P 500 Ending Index Rate Option 2
1-Year S&P 500 Average Russell 2000 Ending Index Rate Option 2
Lincoln Benefit Life
Saver's Index Annuity Premier
10 yrs 85 3.00 1.00% 100% $1,138 01/30/12 0-75: 3.45+
76-85: 2.40+
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Low WaterMark
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average w/Cap
Fixed Account @ 1.00%
Lincoln Benefit Life
Savers Index III
10 yrs 85 (NQ)   3.00% 90.00% $1,210 08/15/11 0-75: 3.45+
76-90: 2.40+
Option II Option I
National Western Life
NWL IMPACT 10
10 yrs 80 (NQ) 7.00 1.00% 87.50% $1,034 08/18/11
Qualified
0-70: 6.50+
71-75: 5.00+
76-80: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Option A: 1 Year Annual Point to Point with Monthly Average Option K: 1 Year Annual Poin to Point with Monthly Average
Option D: 1 Year Annual Point to Point with Monthly Cap Option B: Fixed Interest Rate @ 1.80%
Option J: 1 Year Annual Point to Point with Cap
North American Company
Charter 10
10 yrs 79 5.00 1.00% 87.50% $1,015 01/19/12 0-75: 7.50+
76-79: 5.63+
1-Year Russell 2000 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point
1- Year Hindsight Index 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1 -Year NASDAQ Monthly Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 400 Annual Daily Average 1-Year Fixed @ 1.30%
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
North American Company
Charter 10 (TX)
10 yrs (NQ)   1.00% 87.50% $ 967 01/19/12
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 400 Annual Daily Average
1-Year Russell 2000 Annual Daily Average 1-Year S&P 500 Monthly Point-to-Point Cap
1 -Year NASDAQ Monthly Point-to-Point Cap 1-Year Fixed @ 2.00%
1-Year Nasdaq-100 Annual Point-to-Point 1- Year Hindsight Index
1-Year S&P 500 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.35% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Fixed @ 2.70%
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.40%
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.00% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
North American Paramount Choice Ten
10 yrs (NQ) 7.00 1.00% 100% $1,182 01/19/12 0-75: 6.50+
76-79: 4.88+
1-Year Russell 2000 Monthly Averaging 1-Year S&P 400 Annual Point-to-Point
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Dow Jones Industrial Monthly Averaging
1-Year DJ EuroSTOXX 50 Annual Point-to-Point 1-Year Fixed @ 1.10%
1-Year S&P 400 Monthly Averaging 1-Year Nasdaq100 Monthly Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year Dow Jones Industrial Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 500 Monthly Averaging
North American Company
North American Prizm Plus 10
10 yrs 79 5.00 1.00% 87.50% $1,015 01/19/12 0-75: 7.50+
76-79: 5.63+
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Dow Jones Monthly Average
1-Year Russell 2000 Point-to-Point 1-Year Fixed @ 1.30%
1-Year Russell 2000 Monthly Averaging 1-Year Nasdaq 100 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Point-to-Point
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 400 Monthly Average
1-Year S&P 500 Monthly Average 1-Year S&P 400 Point-to-Point
1-Year S&P 500 Point-to-Point
North American Company
North American Ten
10 yrs 79 7.00 1.00% 100% $1,182 01/19/12 0-75: 6.50+
76-79: 4.88+
1-Year Fixed Account @ 1.15% 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average 1-Year Dow Jones Annual Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year Hindsight Index Strategy 1-Year S&P 400 Monthly Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Monthly Average
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Russell 2000 Monthly Average
North American Company
Pillar
10 yrs (NQ) 5.00 01/19/12 0-75: 6.50+
76-80: 4.87+
S&P 400 Point-to-Point w/ Cap S&P 500 Annual Point-to-Point with Cap
S&P 500 Daily Averaging w/ Participation DJ Eurostoxx Point-to-Point w/ Cap
DJIA Point-to-Point w/ Cap 1-Year Fixed @ 1.00%
NASDAQ-100 Monthly Point-to-Point S&P 400 Daily Average w/ Participation
Russell 2000 Point-to-Point w/ Cap DJIA Daily Average w/ Participation
Russell 2000 Daily Average w/ Participation Hindsight Index Strategy
S&P 500 Monthly Point-to-Point NASDAQ-100 Point-to-Point w/ Cap
North American Company
Precision 10
10 yrs 79 5.00 1.00% 87.50% $1,015 01/19/12 0-75: 7.50+
76-79: 5.63+
1-Year S&P 400 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Hindsight Index Strategy 1-Year Fixed @ 1.30%
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
North American Company
Precision 10 (TX)
10 yrs (NQ)   1.00% 87.50% $ 967 01/19/12
1-Year Dow Jones Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year Hindsight Index Strategy
1-Year Russell 2000 Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 400 Annual Daily Average 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 2.00%
Surrender Charges Last 9 Years
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 -Low
9 yrs 75   3.00% 90.00% $1,174 01/23/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 -High
9 yrs 75   3.00% 90.00% $1,174 01/23/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 GROP -Low
9 yrs 75   3.00% 90.00% $1,174 01/23/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 GROP -High
9 yrs 75   3.00% 90.00% $1,174 01/23/12
Call
1-Year S&P 500 Annual Point-to-Point
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9
9 yrs 85 3.00
to 4.00 		1.50% 90.00% $1,070 01/30/12 0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.40%