Fixed Indexed Annuities

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SC yrs

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SC Years

Issue
Age

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Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 15 Years

National Western Life
Liberty Champion

15 yrs

5.00%

02/21/10

Qualified

0-70: 9.25+
71-75: 7.75+

Non-Qualified

0-70: 9.25+
71-80: 7.75+
81-85: 5.50+

see notes

Fixed @ 2.85%	Option D: Annual Reset with Monthly Cap
Option A: Annual Reset with Monthly Averaging

National Western Life
NWL Ultra Future

15 yrs

10.00%

2.00%

87.50%

$1,295

02/21/10

Qualified

0-70: 7.00+
71-75: 3.50+
76-80: 2.00+

Non-Qualified

0-75: 7.00+
76-80: 5.00+

see notes

Option A: Monthly Averaging Annual Reset	Option D: Monthly Cap
Option B: Fixed Account @ 3.40%

Surrender Charges Last 14 Years

Annuity Investors Life (Great Amer. Life)
FlexMax 14

14 yrs

5.00%

2.00%

90.00%

$1,247

01/21/10

Qualified

18-55: 8.00+
56-70: 4.75+

Non-Qualified

0-55: 8.00+
56-70: 4.75+
71-80: 3.95+

see notes

Declared Rate Strategy @ 2.50%

1 Year S&P 500 Annual Point-to-Point

National Western Life
NWL Ultra Benefit

14 yrs

(NQ)

5.00%

2.00%

87.50%

$1,212

02/21/10

Qualified

0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 1.00+

Non-Qualified

0-75: 8.00+
76-80: 6.00+
81-85: 3.50+

see notes

Fixed @ 2.50%	Option A: Monthly Average Annual Reset
Option D: Monthly Cap Annual Reset

North American Company
Charter 14

14 yrs

11.00%

1.10%

87.50%

$1,132

02/23/10

0-75: 8.50+

see notes

1-Year Fixed @ 2.60%	1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Daily Average	1-Year S&P 500 Annual Point-to-Point
1-Year NASDAQ-100 Monthly Point-to-Point	1-Year Nasdaq-100 Annual Point-to-Point
1-Year Lehman Bros. US Aggregate	1-Year Russell 2000 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point	1-Year Dow Jones Annual Daily Average
1-Year Dow Jones Annual Point-to-Point	1-Year Hindsight Index Strategy
1-Year Dow Jones EuroStoxx 50 Point-to-Point	1-Year S&P 400 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point

North American Company
Freedom Choice (5%) 14 -Low

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Fixed @ 4.85%	1-Year Annual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500	1-Year Annual Point-to-Point DJIA
1-Year Annual Point-to-Point DJ EuroSTOXX 50	1-Year Annual Point-to-Point S&P 400
1-Year Annual Point-to-Point Russell 2000	1-Year Annual Point-to-Point LB U.S. Aggregate
1-Year Annual Point-to-Point NADAQ 100	1-Year Monthly Point-to-Point NASDAQ 100

North American Company
Freedom Choice (5%) 14 -High

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Annual Point-to-Point S&P 500	1-Year Monthly Point-to-Point S&P 500
1-Year Fixed @ 5.20%	1-Year Annual Point-to-Point NADAQ 100
1-Year Monthly Point-to-Point NASDAQ 100	1-Year Annual Point-to-Point LB U.S. Aggregate
1-Year Annual Point-to-Point Russell 2000	1-Year Annual Point-to-Point S&P 400
1-Year Annual Point-to-Point DJ EuroSTOXX 50	1-Year Annual Point-to-Point DJIA

North American Company
Freedom Choice 14 -Low

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Fixed @ 4.40%	1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 500	1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point DJIA	1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point Russell 2000	1-Year Anual Point-to-Point LB U.S. Aggregate
1-Year Anual Point-to-Point NADAQ 100	1-Year Monthly Point-to-Point NASDAQ 100

North American Company
Freedom Choice 14 -High

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Anual Point-to-Point S&P 500	1-Year Monthly Point-to-Point S&P 500
1-Year Fixed @ 4.80%	1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point NADAQ 100	1-Year Anual Point-to-Point LB U.S. Aggregate
1-Year Anual Point-to-Point Russell 2000	1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point DJIA	1-Year Anual Point-to-Point DJ EuroSTOXX 50

North American Company
North American Prizm Plus 14

14 yrs

10.00%

1.10%

87.50%

$1,122

02/23/10

0-75: 8.50+

see notes

1-Year Fixed @ 3.00%	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point	1-Year S&P 500 Monthly Average
1-Year S&P 400 Point-to-Point	1-Year S&P 400 Monthly Average
1-Year DJ EuroStoxx 50 Point-to-Point	1-Year DJIA Point-to-Point
1-Year DJIA Monthly Average	1-Year Russell 2000 Point-to-Point
1-Year Russell 2000 Monthly Averaging	1-Year Lehman Bros. U.S. Aggregate Point-to-Point
1-Year Nasdaq -100 Monthly Point-to-Point	1-Year Nasdaq 100 Point-to-Point

North American Company
Precision 14

14 yrs

11.00%

1.10%

87.50%

$1,132

02/23/10

0-75: 8.50+

see notes

Fixed @ 2.60%	Lehman Bros. US Aggregate
Nasdaq -100 Monthly Point-to-Point	Nasdaq-100 Annual Point-to-Point
Russell 2000 Annual Daily Average	Russell 2000 Annual Point-to-Point
Dow Jones Annual Daily Average	Dow Jones Annual Point-to-Point
Dow Jones EuroStoxx 50 Point-to-Point	1 - Year Hindsight Index Strategy
S&P 400 Annual Daily Average	S&P 400 Annual Point-to-Point
S&P 500 Monthly Point-to-Point Cap	S&P 500 Annual Daily Average
S&P 500 Annual Point-to-Point

Surrender Charges Last 13 Years

National Western Life
NWL Ultra Classic

13 yrs

2.00%

87.50%

$1,132

02/21/10

Qualified

0-70: 12.00+
71-75: 10.00+
76-80: 9.00+

Non-Qualified

0-75: 12.00+
76-80: 10.50+

see notes

Option B: Fixed Account @ 3.80%	Option A: Monthly Averaging Annual Reset
Option D: Monthly Cap Annual Reset

Surrender Charges Last 12 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12

12 yrs

5.00%

2.00%

90.00%

$1,198

03/05/10

0-75: 8.00+
76-80: 4.00+
81-85: 2.50+

see notes

Monthly Additive Account with Cap	2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 2.80%

Annuity Investors Life (Great Amer. Life)
FlexMax 12

12 yrs

2.00%

90.00%

$1,141

01/21/10

Qualified

18-60: 9.25+
61-70: 6.75+

Non-Qualified

0-60: 9.25+
61-85: 6.75+

see notes

Declared Rate Strategy @ 2.50%

1 Year S&P 500 Annual Point-to-Point

Great Amer. Life Ins. Co.
American Valor II

12 yrs

5.00%

1.00-2.00%

100%

$1,332

01/21/10

Qualified

18-75: 6.50+
76-80: 5.35+
81-85: 3.60+

Non-Qualified

0-75: 6.50+
76-80: 5.35+
81-85: 3.60+

see notes

Declared Rate Strategy @ 2.75%	1 Year S&P 500 Annual Point-to-Point
1 Year S&P 500 Monthly Average with Cap

Lincoln Financial Group
Lincoln OptiPoint 12 -Low

12 yrs

4.00%

2.00%

100%

$1,319

03/01/10

0-75: 8.00+

see notes

Fixed @ 2.55%	Performance Triggered
2-Year Point to Point	2-Year Monthly Cap

Lincoln Financial Group
Lincoln OptiPoint 12 -High

12 yrs

5.00%

2.00%

100%

$1,332

03/01/10

0-75: 8.00+

see notes

2-Year Monthly Cap	2-Year Point to Point
Performance Triggered	Fixed @ 2.55%

National Western Life
Liberty Challenge

12 yrs

85 (NQ)

2.00%

02/21/10

Qualified

0-70: 9.00+
71-75: 8.00+

Non-Qualified

0-70: 9.00+
71-80: 8.00+
81-85: 6.25+

see notes

Fixed @ 2.85%	Option D: Annual Reset with Monthly Cap
Option A: Annual Reset with Monthly Averaging

RBC Insurance
RBC Enhanced Choice 12 SPDA

12 yrs

5.00%

1.00%

87.50%

$1,035

03/01/10

0-75: 8.00+
76-80: 6.00+
81-85: 4.00+

see notes

Fixed Account @ 1.90%	1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap	1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

3.00%

1.75%

90.00%

$1,103

03/01/10

0-75: 10.00
76-80: 8.00

S&P 500 10 Year Point-to-Point

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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