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 12 Years
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 12
12 yrs 76   1.00% 87.50% $ 986 12/02/11 0-76: 7.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 40.00% 60.00% 1.00% 1.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 50.00% 50.00% 1.00% 2.95
Surrender Charges Last 10 Years
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%
Surrender Charges Last 8 Years
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8
8 yrs 80   1.00-2.25% 87.50% $1,045 12/02/11 0-75: 6.00+
76-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 35.00% 65.00% 1.00% 1.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option C 30.00% 70.00% 1.00% 0.95

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 Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap
10 Year U.S. Treasury Bond Value with Cap
Surrender Charges Last 15 Years
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 Monthly Average Participation
1-Year S&P 500 Point-to-Point Cap 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
2-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 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
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with a Cap
Fixed Account @ 2.50% 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 14 Protection
14 yrs (NQ) 9.00 1.00% 87.50% $1,096 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 1-Year S&P 500 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
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 Dow Jones EuroStoxx 50 Point-to-Point 1-Year Fixed @ 1.50%
1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 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 Dow Jones Annual Daily Average
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 400 Annual Daily Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 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 S&P 500 Monthly Point-to-Point Cap 1-Year NASDAQ-100 Monthly Point-to-Point
1-Year Russell 2000 Annual Daily Average 1-Year S&P 400 Annual Daily Average
1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Hindsight Index Strategy 1-Year S&P 400 Annual Point-to-Point
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 -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 (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 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 S&P 400 Annual Point-to-Point
1-Year Fixed @ 3.35% 1-Year Annual Point-to-Point S&P 500
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
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 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 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 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 (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
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 S&P 500 Annual Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
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 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 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 Dow Jones Annual 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 Fixed @ 3.10%
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 1-Year Fixed @ 2.70%
1-Year S&P 400 Annual 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 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
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
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 DJ EuroStoxx 50 Point-to-Point 1-Year DJIA Point-to-Point
1-Year Russell 2000 Monthly Averaging 1-Year S&P 500 Point-to-Point
1-Year Fixed @ 1.50% 1-Year S&P 400 Monthly Average
1-Year DJIA Monthly Average 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq -100 Monthly Point-to-Point 1-Year Nasdaq 100 Point-to-Point
1-Year S&P 500 Monthly Average
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 S&P 400 Annual Daily Average 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year Russell 2000 Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Hindsight Index
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 1.50% 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 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%
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 12 - 6% Bonus
12 yrs 76 6.00 1.00% 87.50% $1,045 12/02/11 0-76: 7.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 40.00% 60.00% 1.00% 1.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 50.00% 50.00% 1.00% 2.95
Annexus (Aviva Life & Annuity)
BPASelect 12
12 yrs 76   2.25% 100% $1,306 12/02/11 0-75: 7.50+
76-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 38.00% 62.00% 1.50% 1.60
Allocation Option A 48.00% 52.00% 1.50% 2.65
Allocation Option D 18.00% 82.00% 1.50% 0.00
Allocation Option C 28.00% 72.00% 1.50% 0.95
Annexus (Aviva Life & Annuity)
BPASelect 12 – 7% Bonus
12 yrs 76 7.00 2.25% 100% $1,397 12/02/11 0-75: 7.50+
76-UP: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 28.00% 72.00% 1.50% 0.95
Allocation Option A 48.00% 52.00% 1.50% 2.65
Allocation Option B 38.00% 62.00% 1.50% 1.60
Allocation Option D 18.00% 82.00% 1.50% 0.00
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%
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 Russell 2000 Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point Cap 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 Dow Jones Point-to-Point Inverse Performance Trigger
1-Year Hang Seng Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 2.50%
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 Dow Jones Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Hang Seng Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point Cap 1-Year Russell 2000 Point-to-Point
Inverse Performance Trigger 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 1.75%
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 (MultiChoice Series)
MultiChoice Advantage -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.45%
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 -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 -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%
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 (MultiChoice Series)
MultiChoice Advantage -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.00%
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
Endurance Plus
10 yrs 80   1.50% 90.00% $1,044 01/31/12 0-75: 7.00+
76-80: 3.50+
1 Year S&P 500 SELECT Point-to-Point Cap 1 Year S&P 500 SELECT Monthly Sum Cap
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%
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%
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+
1 Year S&P 500 Annual Point-to-Point Participation Rate Traditional Fixed Value @ 1.75%
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+
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average 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%
I-Year S&P 500 Performance Triggered; The EZ Option 1-Year NASDQ-100 Point-to-Point Participation Rate & Spread
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 10
10 yrs (NQ)   1.00% 87.50% $ 967 12/02/11
Call
Option Index Declared Declared
Rate		 Fee
Allocation Option B 40.00% 60.00% 1.00% 1.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 50.00% 50.00% 1.00% 2.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 10 - 7% Bonus
10 yrs (NQ) 7.00 1.00% 87.50% $1,034 12/02/11
Call
Option Index Declared Declared
Rate		 Fee
Allocation Option B 60.00% 40.00% 1.00% 1.95
Allocation Option A 50.00% 50.00% 1.00% 2.85
Allocation Option C 30.00% 70.00% 1.00% 0.95
Annexus (Aviva Life & Annuity)
BPASelect 10
10 yrs 78   2.25% 100% $1,249 12/02/11 0-75: 6.00+
76-78: 4.00+
Option Index Declared Declared
Rate		 Fee
Allocation Option A 48.00% 52.00% 1.50% 2.45
Allocation Option B 34.00% 66.00% 1.50% 1.45
Allocation Option C 20.00% 80.00% 1.50% 0.45
Annexus (Aviva Life & Annuity)
BPASelect 10 – 4% Bonus
10 yrs 78 4.00 2.25% 100% $1,299 12/02/11 0-75: 6.00+
76-78: 4.00+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 20.00% 80.00% 1.50% 0.45
Allocation Option A 48.00% 52.00% 1.50% 2.45
Allocation Option B 34.00% 66.00% 1.50% 1.45
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
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 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+
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+
1-Year Average Index Strategy Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index Strategy Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy Fixed Strategy @ 1.00%
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy 1-Year Average 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 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 Point-to-Point 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 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 Monthly Cap Index Strategy 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 Average Index Strategy Fixed @ 1.40%
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P500 Point-to-Point 1-Year Point-to-Point DJ EUROSTOXX 50
1-Year S&P 500 Point-to-Point w/ Participation 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Hang Seng
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.00%
1-Year S&P 500 Monthly Cap 1-Year Point-to-Point Hang Seng
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Monthly Cap 1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1 - Year Point to Point Dow Jones EUROSTOXX 50 1-Year S&P 500 Point-to-Point Cap
1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Point-to-Point Cap
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate 2-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate 2-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap Fixed Strategy @ 1.55%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy (no spread)
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Average Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35% 1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Average Index Strategy 1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Monthly Cap Index Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.40%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -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 S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -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 S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -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 (MultiChoice Series)
MultiChoice Xtra -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% 1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -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 S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -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 (MultiChoice Series)
MultiChoice Xtra -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 (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
Fixed Strategy @ 1.00% 1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point S&P 500 Index Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy 1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index
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+
1-Year S&P 500 Daily Average Cap 1-Year Interest Account @ 1.15%
1-Year S&P 500 Point-to-Point Cap Index Account 1-Year S&P 500 Monthly Cap Index Account
1-Year S&P 500 Monthly Average Participation Index Account 2-Year S&P 500 Monthly Average Cap
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 Participation Index Account 1-Year Point-to-Point Cap Index Account
2-Year Monthly Average Cap Index Account 1-Year Monthly Average Cap Index Account
1-Year Fixed Interest Account @ 2.40% 1-Year Monthly Cap Index Account
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 S&P 500 Monthly Point-to-Point 1 Year Index Gain Option with Declared Rate
1 Year S&P 500 Point-to-Point with Cap 1 Year S&P 500 Monthly Average with Cap
1-Year Fixed Account @ 2.50%
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+
1-Year S&P 500 Monthly Average 2-Year S&P 500 Monthly Average with Cap
Fixed Interest Option @ 1.50% 1-Year S&P 500 Point-to-Point
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
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 2.25%
1-Year S&P 500 Monthly Average 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+
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 Fixed Account @ 2.25%
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 S&P 500 Monthly Average with A Cap
1-Year Performance Triggered Account 1-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap Fixed Account @ 2.25%
3-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life Ins. Co. of New York
FGNY Index-Choice 10
10 yrs 85 2.00 1.00% 100% $1,127 02/02/12
S&P 500 Monthly Point-to-Point Fixed @ 2.50%
S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point
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
Fixed Account @ 1.00% Annual Point-to-Point with Cap
Monthly Point-to-Point with Monthly Cap Monthly Average with Annual 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
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 -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 -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 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
Fixed Account Strategy @ 2.00%
Forethought Financial
Guaranteed Destinations WA -Low
10 yrs <