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
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 80 10.00% 3.00% 87.50% $1,456 10/28/08 0-80: 8.50
Fixed @ 3.25% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point Cap 1 Year Monthly Average Participation
2-Year Monthly Averaging 1-Year S&P 500 Daily Average Cap
OM Financial Life Ins. Co.
OM Accelerator Bonus 14
14 yrs 85 10.00% 1.10% 87.50% $1,122 11/01/08 0-79: 8.50
80-85: 4.25
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Cap
2-Year S&P 500 Monthly Averaging with Cap 1-Year S&P 500 Point-to-Point with Participation Rate
1-Year S&P 500 Monthly Averaging with Cap Fixed Interest Option @ 3.25%
OM Financial Life Ins. Co.
Spectrum Choice Bonus
14 yrs 85 6.00% 1.00% 87.50% $1,066 11/01/08 0-79: 10.00
80-85: 5.00
1-Year S&P 500 Monthly Averaging Cap 2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Annual Point-to-Point Fixed @ 3.20%
Surrender Charges Last 13 Years
OM Financial Life Ins. Co.
Spectrum Reserve Bonus
13 yrs 85 4.00% 1.10% 104.00% $1,247 11/01/08 0-79: 9.00
80-85: 4.50
3-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point
2-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average
1-Year S&P 500 Monthly Point-to-Point Fixed @ 3.70%
OM Financial Life Ins. Co.
Spectrum Rewards Reserve
13 yrs 85 4.00% 1.00% 100% $1,184 11/01/08 0-79: 9.00
80-85: 4.50
1-Year S&P 500 Monthly Averaging Cap 3-Year Option Monthly Cap
2-Year Option Monthly Cap 1-Year S&P 500 Point-to-Point Cap
Fixed @ 3.40% 1-Year Option Monthly Cap
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 4.00% 3.00% 90.00% $1,335 11/05/08 0-75: 9.00
76-80: 5.00
81-85: 3.50
2-Year Term Account 1-Year Term Account
Fixed @ 4.60%
Lincoln Financial Group
Lincoln OptiPoint 12 -Low
12 yrs 75 4.00% 2.00% 88.00% $1,161 11/08/08 0-75: 8.00
Performance Triggered 2-Year Monthly Cap
Fixed @ 4.50% 2-Year Point to Point
Lincoln Financial Group
Lincoln OptiPoint 12 -High
12 yrs 75 4.00% 2.00% 88.00% $1,161 11/08/08 0-75: 8.00
Fixed @ 4.50% 2-Year Point to Point
Performance Triggered 2-Year Monthly Cap
OM Financial Life Ins. Co.
Loyalty Rewards Escalator 12
12 yrs 85 1.00% 1.00% 87.50% $ 996 11/01/08 0-79: 7.50
80-85: 3.75
1-Year S&P 500 Annual Point-to-Point Fixed @ 3.75%
1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Monthly Point-to-Point
Surrender Charges Last 10 Years
Amer. General Life Ins. Co.
AIG Global Bonus Index
10 yrs 80 5.00% 3.00% 100% $1,411 11/05/08 0-75: 7.00
76-80: 4.50
Annual Point-to-Point Account with Participatin Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 4.45%
Amer. General Life Ins. Co.
Emerging Edge Indexed Annuity
10 yrs 80 3.00% 90.00% $1,210 11/05/08 0-75: 7.00
76-80: 4.00
100% Participation w/ Annual Cap 80% Participation w/ Annual Cap
Fixed @ 5.20% Floating Annual Participation w/ No Cap
Amer. General Life Ins. Co.
Vision Maximizer
10 yrs 75 5.00% 3.00% 90.00% $1,270 11/05/08 0-75: 8.00
Monthly Average Account w/Index Spread Adjustable Participation Rate
100% Participation Rate w/Index Cap Fixed Interest Account 5-Year @ 4.35%
EquiTrust Life Ins. Co.
Market Value Index
10 yrs 80 3.00% 87.50% $1,176 10/28/08 0-80: 10.00
2-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Monthly Average
1-Year S&P 500 Monthly Averaging w/ Participation 1-Year S&P 500 Point-to-Point
Fixed @ 3.85%
ING USA Annuity and Life
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00% 3.00% 87.50% $1,235 10/29/08 0-80: 8.00
Fixed @ 3.75% Monthly Cap Index
Monthly Averaging Index Point-to-Point Cap Index
Point-to-Point Participation Index
ING USA Annuity and Life
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00% 3.00% 87.50% $1,235 10/29/08 0-80: 8.00
Point-to-Point Participation Index Fixed @ 3.75%
Monthly Cap Index Monthly Averaging Index
Point-to-Point Cap Index
ING USA Annuity and Life
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00% 3.00% 87.50% $1,211 10/29/08 0-80: 6.00
Point-to-Point Cap Index Point-to-Point Participation Index
Monthly Cap Index Fixed @ 3.75%
Monthly Averaging Index
ING USA Annuity and Life
Selectra Multi Strategy SP
10 yrs 80 3.00% 87.50% $1,176 10/29/08 0-80: 8.00
Monthly Average Index Strategy Fixed @ 4.10%
Monthly Cap Index Strategy
OM Financial Life Ins. Co. (NY)
NY Spectrum Freedom 10
10 yrs 85 2.00% 1.85% 100% $1,225 11/01/08 0-80: 5.00
81-85: 2.50
Fixed @ 4.70% S&P 500 Monthly Averaging
S&P 500 Monthly Point-to-Point S&P 500 Annual Point-to-Point
OM Financial Life Ins. Co. (NY)
NY Spectrum Independence 10
10 yrs 85 1.85% 100% $1,201 11/01/08 0-80: 5.00
81-85: 2.50
Fixed Interest @ 5.00% S&P 500 Annual Point-to-Point
S&P 500 Monthly Point-to-Point S&P 500 Monthly Average
Standard Life of Indiana
Strategist 10
10 yrs 85 3.00% 100% $1,344 11/12/08 0-80: 5.50
10 Year S&P 500 Highest Anniversary 10 Year DJ EURO STOXX Highest Anniversary
10 Year HFRX Global Hedge Fund Highest Anniversary 10 Year S&P 500 Point-to-Point
10 Year DJ EURO STOXX Point-to-Point 10 Year HFRX Global Hedge Fund Point-to-Point
Showing 1-20 of 104    Display: Page:   1 | 2 | 3 | 4 | 5 | 6

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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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