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MYGA

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Current Interest Rates and Commissions
May Vary by State and Age

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Featured Products
Rate Guaranteed 5 Years
Sentinel Security Life Insurance Company Personal Choice Annuity 5	B++	2,500	01/01/12	1-5	3.60	3.60	0-80: 2.25 81-90: 1.50
	B++	2,500	01/01/12			3.60	0-80: 2.25 81-90: 1.50
	Next Rate:		02/13/12	1-5	3.45	3.45	-0.15 DOWN
	Next Rate:		02/13/12			3.45	-0.15 DOWN
Sentinel Security Life Insurance Company Personal Choice Annuity 5 FL	B++	2,500	01/01/12	1-5	3.50	3.50	0-80: 2.25 81-90: 1.50
	B++	2,500	01/01/12			3.50	0-80: 2.25 81-90: 1.50
	Next Rate:		02/13/12	1-5	3.35	3.35	-0.15 DOWN
	Next Rate:		02/13/12			3.35	-0.15 DOWN
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA)	A-	10,000	02/07/12	1-5	2.10	2.10	0-75: 2.50 76-80: 1.50
	A-	10,000	02/07/12			2.10	0-75: 2.50 76-80: 1.50

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
Sentinel Security Life Insurance Company Personal Choice Annuity 10	B++	2,500	01/01/12	1-10	4.00	4.00	0-80: 2.75 81-90: 2.00
	B++	2,500	01/01/12			4.00	0-80: 2.75 81-90: 2.00
	Next Rate:		02/13/12	1-10	3.85	3.85	-0.15 DOWN
	Next Rate:		02/13/12			3.85	-0.15 DOWN
Sentinel Security Life Insurance Company Personal Choice Annuity 10 FL	B++	2,500	01/01/12	1-10	3.90	3.90	0-80: 2.75 81-90: 2.00
	B++	2,500	01/01/12			3.90	0-80: 2.75 81-90: 2.00
	Next Rate:		02/13/12	1-10	3.75	3.75	-0.15 DOWN
	Next Rate:		02/13/12			3.75	-0.15 DOWN
North American Company Guarantee Choice 10 High-Band [MVA]	A+	200,000	01/19/12	1-10	3.40	3.40	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	A+	200,000	01/19/12			3.40	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12	1-10	3.25	3.25	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12			3.25	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
American National Insurance Company Palladium MYG Annuity 10 High-Band [MVA]	A	100,000	02/01/12	1	3.55	2.65	0-79: 4.00 80-85: 2.00
	A	100,000	02/01/12	2-10	2.55	2.65	0-79: 4.00 80-85: 2.00
American National Insurance Company Palladium MYG Annuity 10 Low-Band [MVA]	A	5,000	02/01/12	1	3.45	2.55	0-79: 4.00 80-85: 2.00
	A	5,000	02/01/12	2-10	2.45	2.55	0-79: 4.00 80-85: 2.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	02/01/12	1-10	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	02/01/12	1-10	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
American General Life Insurance Company AG HorizonSelect 10 [MVA]	A	5,000	02/06/12	1-10	2.35	2.35	0-80: 4.00+ 81-85: 3.00+ see notes
	A	5,000	02/06/12			2.35	0-80: 4.00+ 81-85: 3.00+ see notes
Phoenix Life Insurance Company Phoenix Select Plus® 10-year [MVA]	B+	5,000 Q:2,000	01/01/12	1-10	2.35	2.35	0-80: 3.50 81-90: 2.00
	B+	5,000 Q:2,000	01/01/12			2.35	0-80: 3.50 81-90: 2.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	02/01/12	1-10	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	02/01/12	1-10	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
ING Annuity and Asset Sales Guarantee Choice 10 High-Band [MVA]	A	75,000	01/18/12	1	3.00	2.10	0-80: 3.25+ see notes
	A	75,000	01/18/12	2-10	2.00	2.10	0-80: 3.25+ see notes
Allianz Life Insurance Company of North America Dominator Plus 10 High-Band [MVA, LOAN]	A	100,000	02/07/12	1-10	2.00	2.00	0-75: 4.00 76-80: 3.00 81-85: 2.00
	A	100,000	02/07/12			2.00	0-75: 4.00 76-80: 3.00 81-85: 2.00
ING Annuity and Asset Sales Guarantee Choice 10 Low-Band [MVA]	A	15,000	01/18/12	1-10	2.00	2.00	0-80: 3.25+ see notes
	A	15,000	01/18/12			2.00	0-80: 3.25+ see notes
Allianz Life Insurance Company of North America Dominator Plus 10 Low-Band [MVA, LOAN]	A	25,000	02/07/12	1-10	1.90	1.90	0-75: 4.00 76-80: 3.00 81-85: 2.00
	A	25,000	02/07/12			1.90	0-75: 4.00 76-80: 3.00 81-85: 2.00

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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