Fixed Annuity Detail Sheet
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
%

Showing 1-30 of 127    Display: Print/Save |<  <<   Page 1 of 5   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 15 Years

National Western Life

Confidence Flex 85
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:75
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 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

FL PR VI WY
Qualified
0-75: 7.00+
Non-Qual
0-80: 7.00+
81-85: 4.00+
Withdrawal Notes: Prem Bonus: 5.00-8.00
Withdrawal Charges 15 years:
25 25 25 25 25 25 22.5 20 17.5 15 12.5 10 7.5 5 2.5
Rate Changed: 08/27/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.53 3.53

American Equity Investment Life Insurance Company

Premier Eagle 10 (FPDA-7-08)
Non-Qualified
Owner:80
Annuitant:
Qualified
Owner:80
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IN MN NY OR PA PR TX VI WA 		0-75: 6.00+
76-80: 4.50+
Withdrawal Notes: Prem Bonus: 3.00-10.00
Withdrawal Charges 15 years: 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 9.5 5 2.5
Age 76+ (15 years): 15 14 13 12 11 9.5 8 6.5 5 2.5 0 0 0 0 0
Rate Changed: 07/20/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.7 3.35 1.76

National Western Life

Confidence Flex 45
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:75
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 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

PR VI WY
Qualified
0-69: 9.00+
70-75: 8.75+
Non-Qual
0-69: 9.00+
70-80: 8.75+
81-85: 5.75+
Withdrawal Notes: Prem Bonus: 4.00-5.00
Withdrawal Charges 15 years:
25 25 25 25 25 25 22.5 20 17.5 15 12.5 10 7.5 5 2.5
Rate Changed: 08/27/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.34 3.34

National Western Life

NWL Future Assurance
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT MS NY OR TX
Qualified
0-70: 7.00+
71-75: 3.00+
76-80: 2.00+
Non-Qual
0-75: 7.00+
76-80: 5.00+
Withdrawal Notes: Prem Bonus: 2.00-10.00
For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
For states DE, IL, IN, MA, MN, NJ, PA, UT, WA (9 years): 9.25 8.25 7.25 6.25 5 4 3 2 1
Rate Changed: 08/27/10
Guaranteed Minimum Value: 87.5% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.5 1.50 2.15 2.15
Surrender Charges Last 14 Years

North American Company

North American Flex III
Non-Qualified
Owner:75
Annuitant:
Qualified
Owner:75
Annuitant:
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA 		0-75: 4.50+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.55 2.00 3.25 2.74

National Western Life

NWL Benefit Assurance
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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  No- Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE FL IL IN MA MN MS NJ NY OR PA TX UT WA
Qualified
0-70: 10.00+
71-75: 7.50+
76-80: 5.50+
81-85: 2.50+
Non-Qual
0-75: 10.00+
76-80: 8.00+
81-85: 5.50+
Withdrawal Notes: Prem Bonus: 4.00-5.00
Withdrawal Charges 14 years:
16 16 15.7 15 14 13.2 12.5 11.5 10.7 10 8 6 4 2
Rate Changed: 08/27/10
Guaranteed Minimum Value: 87.5% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.5 1.50 1.85 1.85
Surrender Charges Last 12 Years

American Equity Investment Life Insurance Company

FPDA-11 (MVA)
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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:

AK AL CT IL MN NY OR PR UT VI WA 		0-75: 3.75+
76-80: 2.81+
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 12 years:
14 14 13 12 11 10 9 8 7 6 4 2
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.50 3.50

American Equity Investment Life Insurance Company

FPDA-10 (MVA)
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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:

AK CT MN NY OR PR UT VI 		0-75: 7.50+
76-80: 5.63+
Withdrawal Notes: Premium Bonus: 2.00
Withdrawal Charges 12 years:
14 13 12.5 12 11.5 11 9.5 8 6.5 5 3.5 2
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.17 3.17
Surrender Charges Last 10 Years

American Equity Investment Life Insurance Company

Premier Eagle 12 (FRG-09)
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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:

AK AL CT DE IN MN NV NY OK OR PA PR SC TX UT WA 		0-78: 6.00+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 10 years:
12.5 12 12 11 10 9 8 7 6 4
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 3.48 2.12

Guaranty Income Life

Flex 10
Non-Qualified
Owner:79
Annuitant:79
Qualified
Owner:79
Annuitant:79
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV 		0-74: 7.75
75-85: 5.75
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 6 5 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 4.2 3.30 1.32

American Equity Investment Life Insurance Company

FPDA 1
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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 

Only
Available in:

OR 		0-75: 5.25+
76-80: 3.94+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 5 3.00 3.20 3.20

National Western Life

NWL Prevail Seven
Non-Qualified
Owner:85
Annuitant:90
Qualified
Owner:85
Annuitant:75
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 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CA CT FL KY MN NY OR UT WA
Qualified
0-75: 5.75
Non-Qual
0-75: 5.75
76-85: 1.50
86-90: 1.20
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 10 9 9 8 7 6 5 5 5
Rate Changed: 08/27/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 9.35 2.00 3.03 2.71

North American Company

North American Flex II
Non-Qualified
Owner:79
Annuitant:
Qualified
Owner:79
Annuitant:
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA 		0-75: 4.50+
76-79: 3.38+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
15 14 13 12 11 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 3.00 2.55

RBC Insurance

Value Master SPDA
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 
Yes-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  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK HI MN NJ NY PR VI 		0-75: 7.00
76-80: 5.00
81-85: 4.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.00 3.00

North American Company

Boomer Annuity
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MN MS NY OR PA PR TX UT VI WA 		0-75: 7.00+
76-79: 5.25+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
15 14 13 12 11 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.35 3.00 2.85 3.44

National Western Life

NWL Accumulator Five
Non-Qualified
Owner:85
Annuitant:90
Qualified
Owner:85
Annuitant:75
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 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CA CT FL KY MN NY OR UT WA
Qualified
0-75: 7.00+
Non-Qual
0-75: 7.00+
76-90: 3.20+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 10 9 9 7 5 5 5 5 5
Rate Changed: 08/27/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7.35 2.00 2.84 2.52

Aviva Life & Annuity

MultiChoice Freedom Xtra (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
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:

AK CT DE MN NY OR PA PR UT WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VI, VT, WA, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 5
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

Aviva Life & Annuity

MultiChoice Freedom Xtra (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
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:

AK CT DE MN NY OR PA PR UT WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VI, VT, WA, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 5
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

Aviva Life and Annuity

Income Select Spirit Bonus (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
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 
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 CT DE MN NJ NY OR PA PR UT VI WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

Aviva Life and Annuity

Income Select Spirit Bonus (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
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:

AK CT DE MN NJ NY OR PA PR UT VI WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

American National Insurance Company

Palladium Century 7
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 9 2.00 2.68 2.68

Aviva Life & Annuity

MultiChoice Freedom Plus (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
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 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VI, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states CT, DE, MN, OR, PA, WA (0 years):
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Aviva Life and Annuity

Income Select Spirit Plus

Low-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
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 
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 CT DE MN NJ NY OR PA PR SC TX UT VI WA 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years: 16 15 14 13 12 11 10 8 6 4
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Aviva Life and Annuity

Income Select Spirit Plus

High-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
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:

AK CT DE MN NJ NY OR PA PR SC TX UT VI WA 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years: 16 15 14 13 12 11 10 8 6 4
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Forethought Financial

Secure Bonus 115sm

Low-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 
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:

AK CA MO NY OR PR UT VI WA 		0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Bonus 115sm

Mid-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:

AK CA MO NY OR PR UT VI WA 		0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Bonus 115sm

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
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:

AK CA MO NY OR PR UT VI WA 		0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Income 125

Low-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 
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:

CA MA MN MT NV NY OR PR VA VI WA 		0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Income 125

Mid-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  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:

CA MA MN MT NV NY OR PR VA VI WA 		0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Income 125

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
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:

CA MA MN MT NV NY OR PR VA VI WA 		0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15
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Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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

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

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