MYGA Detail Sheet

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Premium

Qual

Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Allianz Life Allianz Life of NY Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Aviva Life & Annuity Genworth Life Ins. Co. Genworth Life of New York ING USA Annuity and Life John Hancock Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York North American Company Presidential Life Principal Financial Group ReliaStar Life Ins. Co. of NY Sun Life Financial Sun Life Ins. and Annuity of New York The Hartford The Standard Transamerica Life United of Omaha United States Life Ins. Co. (NY) West Coast Life

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Surrender Charges Last 10 Years
John Hancock JH Signature Fixed Annuity High-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  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: NY OR PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 12/22/09
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 4 1.50 4.00 4.00
John Hancock JH Signature Fixed Annuity 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  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: NY OR PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 12/22/09
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.9 1.50 3.90 3.90
North American Company NA Guarantee Choice 10 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 6 4 2	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.85 2.00 3.85 3.85
West Coast Life Sure Advantage 10 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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: DE MN NY PR VI VT
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 1.50 3.85 3.85
American National Insurance Company Palladium MYG Annuity 8 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 3.8 1.50-2.00 3.80 3.80
ING USA Annuity and Life Guaranteed Choice 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 12/10/09
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : 03/17/10
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 4.7 3.70 3.80 3.80
American General Life Insurance Company AG HorizonSelect 10	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 OR PA PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/08/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 2.00 3.75 3.75
American National Insurance Company Palladium MYG Annuity 10 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 4.65 3.65 3.75 3.75
John Hancock JH Signature Fixed Annuity Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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: NY OR PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 12/22/09
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 1.50 3.75 3.75
West Coast Life Sure Advantage 10 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  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: DE MN NY PR VI VT
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 1.50 3.75 3.75
American National Insurance Company Palladium MYG Annuity 8 Low-Band	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	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: NY PR UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 3.7 1.50-2.00 3.70 3.70
ING USA Annuity and Life Guaranteed Choice 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 12/10/09
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : 03/17/10
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.7 1.50 3.70 3.70
Allianz Life Dominator Plus 10 High-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  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-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: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 03/02/10
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.65 3.00 3.65 3.65
American National Insurance Company Palladium MYG Annuity 10 Low-Band	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	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: NY PR UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 4.55 3.55 3.65 3.65
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 High-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: CA IL MN MO NV OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.65 1.70 3.65 3.65
North American Company NA Guarantee Choice 10 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 6 4 2	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.65 2.00 3.65 3.65
American National Insurance Company Palladium MYG Annuity 7 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 4.45 3.45 3.59 3.59
Allianz Life Dominator Plus 10 Mid-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  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-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: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 03/02/10
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.55 3.00 3.55 3.55
American National Insurance Company Palladium MYG Annuity 9 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 5.3 3.30 3.52 3.52
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: CA IL MN MO NV OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 1.70 3.50 3.50

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