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
Featured Products
Surrender Charges Last 12 Years
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 12
12 yrs 76   1.00% 87.50% $ 986 12/02/11 0-76: 7.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 50.00% 50.00% 1.00% 2.95
Allocation Option B 40.00% 60.00% 1.00% 1.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 12 - 6% Bonus
12 yrs 76 6.00 1.00% 87.50% $1,045 12/02/11 0-76: 7.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 50.00% 50.00% 1.00% 2.95
Allocation Option B 40.00% 60.00% 1.00% 1.95
Surrender Charges Last 8 Years
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8
8 yrs 80   1.00-2.25% 87.50% $1,045 12/02/11 0-75: 6.00+
76-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 35.00% 65.00% 1.00% 1.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8 - 4% Bonus
8 yrs 80 4.00 1.00-2.25% 87.50% $1,087 12/02/11 0-74: 6.00+
75-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option B 35.00% 65.00% 1.00% 1.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8S
8 yrs 80   1.00% 87.50% $ 948 12/02/11 0-75: 6.00+
76-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 35.00% 65.00% 1.00% 1.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8S - 4% Bonus
8 yrs 80 4.00 1.00% 87.50% $ 985 12/02/11 0-75: 6.00+
76-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option B 35.00% 65.00% 1.00% 1.95

Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-05) DE
17 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
1-Year S&P 500 Point-to-Point Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25% 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)
16 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
1 Year S&P 500 Monthly Average Participation Rate 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap 1-Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate Traditional Fixed Value @ 1.75%
1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap
Surrender Charges Last 14 Years
North American Company
Charter 14
14 yrs (NQ) 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+
1-Year Russell 2000 Annual Daily Average 1-Year S&P 400 Annual Daily Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Hindsight Index Strategy 1-Year Dow Jones Annual Daily Average
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Dow Jones Annual Point-to-Point 1-Year Fixed @ 1.50%
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Charter 14 (TX)
14 yrs 75   1.00% 87.50% $1,006 01/19/12
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year Dow Jones Annual Point-to-Point 1-Year Fixed @ 2.00%
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year Russell 2000 Annual Daily Average 1-Year S&P 400 Annual Daily Average
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year NASDAQ-100 Monthly Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Fixed @ 3.05%
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Annual Point-to-Point S&P 500 1 -Year NASDAQ Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Annual Point-to-Point S&P 500 1-Year Fixed @ 3.35%
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Fixed @ 2.70%
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Fixed @ 3.10% 1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
North American Prizm Plus 14
14 yrs 75 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+
1-Year S&P 500 Monthly Average 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq -100 Monthly Point-to-Point
1-Year Russell 2000 Monthly Averaging 1-Year Fixed @ 1.50%
1-Year S&P 400 Monthly Average 1-Year DJIA Monthly Average
1-Year S&P 500 Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year DJIA Point-to-Point
North American Company
Precision 14
14 yrs 75 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+
1-Year Fixed @ 1.50% 1-Year Dow Jones Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point
1-Year Hindsight Index 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 400 Annual Daily Average 1-Year Russell 2000 Annual Daily Average
1-Year Dow Jones Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co.
Bonus 5 (INDEX-3-07-WA)
12 yrs (NQ) 3.00
to 5.00 		1.50% 87.50% 10/08/11 0-57: 6.00+
58-80: 4.00+
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1-Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Annual Point-to-Point Participation Rate
Annexus (Aviva Life & Annuity)
BPASelect 12
12 yrs 76   2.25% 100% $1,306 12/02/11 0-75: 7.50+
76-80: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 28.00% 72.00% 1.50% 0.95
Allocation Option B 38.00% 62.00% 1.50% 1.60
Allocation Option D 18.00% 82.00% 1.50% 0.00
Allocation Option A 48.00% 52.00% 1.50% 2.65
Annexus (Aviva Life & Annuity)
BPASelect 12 – 7% Bonus
12 yrs 76 7.00 2.25% 100% $1,397 12/02/11 0-75: 7.50+
76-UP: 4.50+
Option Index Declared Declared
Rate		 Fee
Allocation Option A 48.00% 52.00% 1.50% 2.65
Allocation Option B 38.00% 62.00% 1.50% 1.60
Allocation Option D 18.00% 82.00% 1.50% 0.00
Allocation Option C 28.00% 72.00% 1.50% 0.95
Great Amer. Life Ins. Co.
American Valor II
12 yrs 85 3.00
to 5.00 		1.00% 100% $1,183 08/22/11
Qualified
18-75: 6.00+
76-80: 4.50+
81-85: 2.50+
Non-Qualified
0-75: 6.00+
76-80: 4.50+
81-UP: 2.50+
Declared Rate Strategy @ 1.00% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point
North American Company
NA Performance Choice 12
12 yrs (NQ)   1.00% 87.50% $ 986 01/19/12 0-75: 6.50+
1-Year Nasdaq 100 Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Dow Jones Point-to-Point
Inverse Performance Trigger 1-Year Hang Seng Point-to-Point
1-Year Fixed @ 2.50% 1-Year S&P 400 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point Cap
North American Company
NA Performance Choice 12 Plus
12 yrs (NQ) 8.00 1.00% 87.50% $1,065 01/19/12 0-75: 6.50+
1-Year S&P 400 Point-to-Point 1-Year Fixed @ 1.75%
1-Year Dow Jones Point-to-Point Inverse Performance Trigger
1-Year S&P 500 Point-to-Point 1-Year Nasdaq 100 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Hang Seng Point-to-Point
1-Year Russell 2000 Point-to-Point
Surrender Charges Last 10 Years
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-78: 5.50+
Fixed Strategy @ 1.45%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.45%
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-78: 5.50+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.00%
American National Ins. Co.
Value Lock 10
10 yrs 80   1.00-1.75% 90.00% $1,071 02/01/12 0-75: 10.00
76-80: 8.00
S&P 500 10 Year Point-to-Point
Amer. Equity Investment Life Ins. Co.
10/10 Gold (Index 6-05)
10 yrs (NQ)   1.50% 87.50% 10/08/11 0-75: 6.00+
76-80: 4.50+
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Annual Point-to-Point Participation Rate
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Monthly Point-to-Point
10 Year U.S. Treasury Bond Value with Cap
Amer. Equity Investment Life Ins. Co.
Advantage Gold
10 yrs (NQ) 5.00 1.50% 84.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
10 Year U.S. Treasury Bond Value with Cap Traditional Fixed Value @ 1.65%
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Monthly Point-to-Point
Amer. Equity Investment Life Ins. Co.
Retirement Gold (RG-FIA-09)
10 yrs (NQ) 6.00 1.50% 87.50% 10/08/11 0-78: 5.25+
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Point-to-Point Cap
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
American National Ins. Co.
ANICO Strategy Indexed Annuity 10
10 yrs 85   1.00% 90.00% $ 994 02/01/12 0-75: 8.00+
76-80: 6.50+
81-85: 5.00+
Declared Rate Interest Account @ 1.00% 1 Year S&P 500 Point-to-Point
Americo
Future Provider
10 yrs 0 (NQ)   2.00% 100% $1,219 01/08/12 0-80: 8.25
81-85: 6.50
86-90: 3.00
1-Year S&P 500 Point-to-Point Participation Rate & Spread 1-Year S&P 500 Monthly Averaging Participation Rate & Spread
1-Year S&P 500 Point-to-Point Participation Rate & Cap 1-Year NASDQ-100 Point-to-Point Participation Rate & Spread
Declared Interest Option @ 1.00% I-Year S&P 500 Performance Triggered; The EZ Option
Americo
Future Provider Bonus
10 yrs (NQ) 4.00 2.00% 100% $1,268 01/08/12
Call
Declared Interest Option @ 1.00% I-Year S&P 500 Performance Triggered; The EZ Option
1-Year NASDQ-100 Point-to-Point Participation Rate & Spread 1-Year S&P 500 Point-to-Point Participation Rate & Cap
1-Year S&P 500 Monthly Averaging Participation Rate & Spread 1-Year S&P 500 Point-to-Point Participation Rate & Spread
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 10
10 yrs (NQ)   1.00% 87.50% $ 967 12/02/11
Call
Option Index Declared Declared
Rate		 Fee
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 50.00% 50.00% 1.00% 2.95
Allocation Option B 40.00% 60.00% 1.00% 1.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 10 - 7% Bonus
10 yrs (NQ) 7.00 1.00% 87.50% $1,034 12/02/11
Call
Option Index Declared Declared
Rate		 Fee
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option B 60.00% 40.00% 1.00% 1.95
Allocation Option A 50.00% 50.00% 1.00% 2.85
Annexus (Aviva Life & Annuity)
BPASelect 10
10 yrs 78   2.25% 100% $1,249 12/02/11 0-75: 6.00+
76-78: 4.00+
Option Index Declared Declared
Rate		 Fee
Allocation Option B 34.00% 66.00% 1.50% 1.45
Allocation Option C 20.00% 80.00% 1.50% 0.45
Allocation Option A 48.00% 52.00% 1.50% 2.45
Annexus (Aviva Life & Annuity)
BPASelect 10 – 4% Bonus
10 yrs 78 4.00 2.25% 100% $1,299 12/02/11 0-75: 6.00+
76-78: 4.00+
Option Index Declared Declared
Rate		 Fee
Allocation Option C 20.00% 80.00% 1.50% 0.45
Allocation Option A 48.00% 52.00% 1.50% 2.45
Allocation Option B 34.00% 66.00% 1.50% 1.45
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Point-to-Point Index Strategy Fixed Strategy @ 1.00%
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Average Index Strategy Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 1.00% 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
Fixed Strategy @ 1.00% 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
1-Year Average Index Strategy Fixed @ 1.40%
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-78: 5.50+
Fixed @ 1.00% 1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point DJ EUROSTOXX 50 1-Year S&P500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Monthly Cap 1-Year Point-to-Point Hang Seng
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year S&P500 Point-to-Point Fixed @ 2.00%
1-Year Point-to-Point Hang Seng
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
Fixed @ 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50
1-Year S&P 500 Point-to-Point Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
Fixed @ 2.00% 1-Year S&P 500 Point-to-Point Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Monthly Cap 1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 01/06/12 0-75: 5.00+
76-78: 3.00+
1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate 1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year S&P 500 Point-to-Point 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 1.00% 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 1.55% 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 01/06/12 0-75: 5.00+
76-78: 3.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
Fixed Strategy @ 2.00% 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 01/06/12 0-75: 6.50+
76-78: 4.50+
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Multiple Index Strategy (no spread)
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy (no spread) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy 1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Participation Index Strategy (no cap)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Participation Index Strategy (no cap)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate 1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -High
10 yrs (NQ) 5.00
to 7.00 		1.00% 87.50% $1,034 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Lifetime Solutions Annuity -Low
10 yrs (NQ) 3.00
to 6.00 		1.00% 87.50% $1,025 01/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.40%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 01/06/12 0-75: 7.50+
76-79: 5.50+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 1.55%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 1.00% 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Point-to-Point S&P 500 Index Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Average Index Strategy 1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+
1-Year Monthly Cap Index
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Performance Trigger Strategy 1 Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
10-Year Fixed Rate Strategy @ 1.60%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1 Year Fixed Rate Strategy @ 1.00% 10-Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy 10-Year Fixed Rate Strategy @ 1.50%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1 Year Fixed Rate Strategy @ 1.35%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 1.00% 100% 12/12/11 0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy
Great Amer. Life Ins. Co.
American Valor® 10
10 yrs 85 2.00 1.00% 100% $1,127 08/22/11
Qualified
18-75: 6.00+
76-80: 4.50+
81-UP: 2.50+
Non-Qualified
0-75: 6.00+
76-80: 4.50+
81-UP: 2.50+
1 Year S&P 500 Annual Point-to-Point Declared Rate Strategy @ 1.40%
1 Year S&P 500 Monthly Average with Cap
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85   1.00% 100% $1,105 08/22/11
Qualified
18-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average with Cap
Declared Rate Strategy @ 1.10%
North American Company
Charter 10
10 yrs 79 5.00 1.00% 87.50% $1,015 01/19/12 0-75: 7.50+
76-79: 5.63+
1-Year Fixed @ 1.30% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 400 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point
1- Year Hindsight Index 1-Year Russell 2000 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
North American Company
Charter 10 (TX)
10 yrs (NQ)   1.00% 87.50% $ 967 01/19/12
1-Year Fixed @ 2.00% 1- Year Hindsight Index
1-Year S&P 500 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 400 Annual Daily Average 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.35% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 2.70%
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.00%
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point Cap
1-Year Fixed @ 2.40%
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 01/19/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
North American Paramount Choice Ten
10 yrs (NQ) 7.00 1.00% 100% $1,182 01/19/12 0-75: 6.50+
76-79: 4.88+
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Industrial Monthly Averaging
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Russell 2000 Monthly Averaging
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Averaging
1-Year S&P 400 Monthly Averaging 1-Year Dow Jones Industrial Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year DJ EuroSTOXX 50 Annual Point-to-Point 1-Year Fixed @ 1.10%
1-Year Nasdaq100 Monthly Point-to-Point
North American Company
North American Prizm Plus 10
10 yrs 79 5.00 1.00% 87.50% $1,015 01/19/12 0-75: 7.50+
76-79: 5.63+
1-Year Nasdaq 100 Point-to-Point 1-Year Dow Jones Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Monthly Averaging
1-Year Fixed @ 1.30% 1-Year S&P 500 Monthly Average
1-Year Dow Jones Monthly Average 1-Year Russell 2000 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year S&P 400 Monthly Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year S&P 400 Point-to-Point
North American Company
North American Ten
10 yrs 79 7.00 1.00% 100% $1,182 01/19/12 0-75: 6.50+
76-79: 4.88+