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Annuity Type Fixed Annuity Fixed Indexed Annuity MYGA State - AK AL AR AZ CA CO CT 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 NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Age Premium Qualified? - Yes No Flexible Premium? - No Flex Premium Yes, Flex Premium Flex for 2+ years Flex for 3+ years Flex for 4+ years Flex for 5+ years Flex for 6+ years Flex for 7+ years Flex for 8+ years Flex for 9+ years Flex for 10+ years Flex for All Years

Premium Bonus Less than Exactly At Least - 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% Surrender Charges Less than Exactly At Least - 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years Commission Less than Exactly At Least % AM Best Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company  (Hold Ctrl key to select multiple) - Any - Amer. General Life Ins. Co. Amer. Investors Life Ins. Co., Inc, an Aviva Co American National Ins. Co. Annuity Investors Life (Great Amer. Life) Assurity Life Aviva Life & Annuity Beneficial Financial Group EquiTrust Life Ins. Co. Forethought Financial Great Amer. Life Ins. Co. ING USA Annuity and Life Integrity Life Insurance Lafayette Life Liberty Bankers Life Lincoln Financial Group Lincoln Life & Annuity of New York North American Company OM Financial Life Ins. Co. OM Financial Life Ins. Co. (NY) Presidential Life RBC Insurance West Coast Life

Rates Rate Guaranteed Less than Exactly At Least - 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Initial Rate (Base Rate +bonus) Less than Exactly At Least - 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00%     Base Rate Less than Exactly At Least - 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% Bonus Rate Less than Exactly At Least - 0.50% 0.75% 1.00% 1.25% 1.50% 1.75% 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00%   Guaranteed Yield to SurrenderTM Less than Exactly At Least - 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% Current Yield to SurrenderTM Less than Exactly At Least - 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00%

Rates Cap - Any - - No Cap - At least 1.0% At least 1.5% At least 2.0% At least 2.5% At least 3.0% At least 3.5% At least 4.0% At least 4.5% At least 5.0% At least 5.5% At least 6.0% At least 6.5% At least 7.0% At least 7.5% At least 8.0% At least 8.5% At least 9.0% At least 9.5% At least 10.0% At least 10.5% At least 11.0% At least 11.5% At least 12.0% At least 12.5% At least 13.0% Spread - Any - - No Spread - No more than 1.0% No more than 1.5% No more than 2.0% No more than 2.5% No more than 3.0% No more than 3.5% No more than 4.0% No more than 4.5% No more than 5.0% No more than 5.5% No more than 6.0% No more than 6.5% No more than 7.0% No more than 7.5% No more than 8.0% No more than 8.5% No more than 9.0% No more than 9.5% No more than 10.0% No more than 10.5% No more than 11.0% No more than 11.5% No more than 12.0% No more than 12.5% No more than 13.0% Particpation Rate - Any - 100% At least 90% At least 80% At least 70% At least 60% At least 50% At least 40% At least 30% At least 20% At least 10%

Indicies DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 DJ EuroStoxx 50 Hang Seng Nikkei 225 HFRX Global Hedge Fund LB US Aggregate Bond Calculation Method Point to Point High Water Low Water Performance Triggered Monthly Crediting Other Averaging Method None Daily Monthly Annual Monthly Sum Quarterly Sum Reset Period - Any - Length of Policy Annual Biennial Triennial 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-year 11-Year 12-Year 13-Year 14-Year 15-Year

Tax Sheltered Systematic Withdrawals Allowed Bail Out Provision Available Loan Provision Available Market Value Adjustment MRD Front End Fee No Annual Maintenance Fee Return of Premium

Disability Waiver Terminal Illness Waiver Long Term Care Waiver Nursing Home Waiver Hospitalization Waiver Unemployment Waiver Return of Premium Rider Annualization Waiver

Market Value Adjustment Extended Free Look Period Death Benefit Rider Flexible Withdrawal Rider Flexible Annuity Option Rider Home Health Care Waiver Survivor Benefit Rider Extended Care Rider