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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 16 Years

9% bonus, & 7% compound rollup.
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 Point-to-Point Cap 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate Traditional Fixed Value @ 1.75%
1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap
10 Year U.S. Treasury Bond Value with Cap
Surrender Charges Last 14 Years

18% bonus on rider, w/ 7.25% compound rollup--10 yrs only. Heirs can take income acct. over 5 or 10 yrs, depending if client is 70 or under at issue. Cost is 1.10%. If cannot do 2 of 6 ADLs, income pay doubles for single, or x1.5 for joint.
Fidelity & Guaranty Life
Prosperity Elite 14 Protection
14 yrs (NQ) 9.00 1.00% 87.50% $1,096 02/02/12 0-79: 8.00
80-85: 4.00
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap 2-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Average with A Cap 3-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 2.50%
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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 1-Year Dow Jones Annual Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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 Monthly Point-to-Point Cap 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 Fixed @ 3.35%
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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 EuroStoxx 50 Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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 Annual Point-to-Point S&P 500 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year Russell 2000 Annual Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
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
Surrender Charges Last 13 Years

11% Commission to age 75. 10% liquidity, cumulative to 50% in year 5.

Only writes to age 57 in TX.
National Western Life
NWL Ultra Classic
13 yrs 80 (NQ)   1.00% 87.50% $ 996 08/18/11
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qualified
0-75: 10.00+
76-80: 8.50+
Option D: Monthly Cap Annual Reset Option B: Fixed Account @ 2.40%
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 10 Years
20% Bonus, vested over first 10 yrs when income is taken over yrs 11 thru 20. LIAV can be death benefit--taken over 5 yrs.
Allianz Life Ins. Co. of North America
Endurance Plus
10 yrs 80   1.50% 90.00% $1,044 01/31/12 0-75: 7.00+
76-80: 3.50+
1 Year Blended Monthly Average 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1-Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point
1-Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point
1 Year Fixed Interest Account @ 1.90% 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year S&P 500 SELECT Point-to-Point Cap
LIAV can be taken as death benefit over 5 years.
Allianz Life Ins. Co. of North America
MasterDex 5 Plus Annuity
10 yrs 80 3.00
to 5.00 		2.00% 87.50% $1,120 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
Fixed Interest Account @ 1.50%

8% Simple-interest rollup on income rider. Cost 60 bps.
Allianz Life Ins. Co. of North America
MasterDex X Annuity
10 yrs 80 6.00 1.95-2.05% 87.50% $1,136 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year Euro STOXX 50 Monthly Cap 1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 SELECT Annual Point-to-Point Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year Fixed Interest Account @ 1.60%
Only EIA w/ Return Of Premium, bonus, and Income Rider. Non-Core Carrier.
EquiTrust Life Ins. Co.
Market Ten Bonus Index
10 yrs 80 6.00 1.00% 100% $1,171 10/24/11 0-80: 6.00+
1-Year S&P 500 Daily Average Cap 1-Year Interest Account @ 1.15%
1-Year S&P 500 Point-to-Point Cap Index Account 1-Year S&P 500 Monthly Cap Index Account
2-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Monthly Average Participation Index Account
8% Bonus, 10 yr surrender, 8% commission.
Fidelity & Guaranty Life
FG Index-Accelerator 10
10 yrs 85 6.00 1.00-1.10% 87.50% $1,035 02/02/12 0-79: 7.50+
80-85: 3.75+
1-Year S&P 500 Monthly Cap 2-Year S&P 500 Monthly Average with Cap
Fixed Interest Option @ 1.50% 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Average
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+
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Average
1-Year Hindsight Index Strategy 1-Year S&P 400 Monthly Average
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Russell 2000 Monthly Average
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq 100 Annual Point-to-Point
1-Year Dow Jones Monthly Average 1-Year Fixed Account @ 1.15%
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
Surrender Charges Last 9 Years
NO CAP on global strategy! Credited 41.14% on 3/11/2010.
National Western Life
NWL Global Lookback
9 yrs 80 (NQ)   1.00% 87.50% $ 957 08/18/11
Qualified
0-70: 6.50+
71-75: 4.00+
76-80: 2.00+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Option J: S&P 500 Point-to-Point w Cap Option A: S&P 500 Monthly Average
Option K: Global Lookback Option D: S&P 500 Monthly Cap
Option B: Fixed Interest Rate @ 2.10%

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 15 Years
National Western Life
NWL Ultra Future
15 yrs 55 (NQ) 4.75
to 10.00 		1.00% 87.50% $1,117 08/18/11
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option B: Fixed Account @ 1.90% Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 75 10.00 2.00% 87.50% $1,270 10/24/11 0-75: 8.50+
1 Year S&P 500 Monthly Average Participation 2-Year S&P 500 Monthly Averaging Cap Account
1-Year S&P 500 Point-to-Point Cap 1-Year Fixed Interest Account @ 1.50%
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Daily Average Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs 75 6.00 2.00% 87.50% $1,224 10/24/11 0-75: 9.00
1-Year Fixed Account @ 1.15% 2-Year Monthly Average Cap
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Daily Average Cap
1-Year S&P 500 Monthly Average Participation 1-Year S&P 500 Point-to-Point Cap
Fidelity & Guaranty Life
FG AccumulatorPlus 14
14 yrs (NQ)   1.00% 87.50% $1,006 02/02/12 0-85: 7.50
1 Year S&P 500 Point-to-Point with Cap 1-Year Fixed Account @ 3.00%
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average with Cap
1 Year Index Gain Option with Declared Rate
Fidelity & Guaranty Life
Prosperity Elite 14
14 yrs (NQ)   1.00% 87.50% $1,006 02/02/12 0-79: 8.00
80-85: 4.00
Fixed Account @ 2.50% 3-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
1-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced
14 yrs (NQ) 6.00 1.00% 87.50% $1,066 02/02/12 0-79: 8.00
80-85: 4.00
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 2.50%
1-Year S&P 500 Monthly Average with A Cap 2-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap
National Western Life
NWL Ultra Benefit
14 yrs 85 4.00
to 5.00 		1.00% 87.50% $1,056 08/18/11
Qualified
0-70: 6.00+
71-75: 3.50+
76-81: 1.50+
Non-Qualified
0-75: 6.00+
76-80: 4.00+
81-85: 1.50+
Option B: Fixed Interest Rate @ 1.00% Option D: Monthly Cap Annual Reset
Option A: Monthly Average Annual Reset
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 Fixed @ 1.50% 1-Year Dow Jones Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year Dow Jones 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 400 Annual Daily Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 Annual Daily Average 1-Year Hindsight Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
North American Company
Charter 14 (TX)
14 yrs 75   1.00% 87.50% $1,006 01/19/12
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
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 Nasdaq-100 Annual Point-to-Point
1-Year Hindsight Index Strategy 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 2.00%
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
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
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 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 Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
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 Nasdaq-100 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 500 Annual Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
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
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 Monthly 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 Russell 2000 Annual 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 Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year DJIA Point-to-Point
1-Year Fixed @ 1.50% 1-Year S&P 500 Point-to-Point
1-Year Russell 2000 Monthly Averaging 1-Year DJIA Monthly Average
1-Year S&P 400 Monthly Average 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq -100 Monthly Point-to-Point 1-Year Nasdaq 100 Point-to-Point
1-Year S&P 500 Monthly Average
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 S&P 400 Annual Daily Average 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year Russell 2000 Annual Daily Average 1-Year Dow Jones Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Hindsight Index
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 1.50% 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual 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+
1 Year S&P 500 Monthly Average with Cap Traditional Fixed Value @ 1.75%
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year S&P 500 Monthly Point-to-Point
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00 1.50% 90.00% $1,130 01/30/12 0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.55%
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12 (CA)
12 yrs 85 5.00 2.00% 90.00% $1,198 01/30/12 0-75: 8.00
76-80: 4.00
81-85: 2.50
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 2.00%
F&G Life (Legacy)
AmeriMark Freedom
12 yrs 85   1.00% 87.50% $ 986 02/01/12 0-80: 8.00
81-85: 4.00
Annual Point-to-Point 3 Yr Highwater Annual Point-to-Point
Fixed @ 2.00% Declared Rate on Gain Strategy
2-Year Monthly Average w/ Cap Monthly Cap Strategy
3 Year Monthly Average w/ Spread
F&G Life (Legacy)
AmeriMark Freedom SE
12 yrs 85 4.00 1.00% 87.50% $1,025 02/01/12 0-80: 7.00
81-85: 3.50
Monthly Cap Strategy 2-Year Monthly Average w/ Cap
Fixed @ 1.75% Declared Rate on Gain Strategy
Annual Point-to-Point Annual Point-to-Point 3 Yr Highwater
3 Year Monthly Average w/ Spread
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+
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point
Declared Rate Strategy @ 1.00%
North American Company
NA Performance Choice 12
12 yrs (NQ)   1.00% 87.50% $ 986 01/19/12 0-75: 6.50+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq 100 Monthly Point-to-Point Cap
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
1-Year Russell 2000 Point-to-Point Inverse Performance Trigger
1-Year Hang Seng Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 2.50%
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 Dow Jones Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year Nasdaq 100 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
Inverse Performance Trigger 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 1.75%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus
12 yrs (NQ) 5.00
to 10.00 		1.00% 87.50% $1,085 01/01/12 0-75: 7.50+
76-80: 5.00+
81-86: 3.00+
Performance Trigger Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Global
Monthly Point to Point Indexed Account - 1 year S&P 500 Fixed Account @ 0.85%
Point to Point Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Domestic
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Rainbow Point to Point Indexed Account - 1 year Domestic
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Monthly Point to Point Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Domestic
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Point to Point Indexed Account - 1 year S&P 500
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Rainbow Point to Point Indexed Account - 1 year Global
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Performance Trigger Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Fixed Account @ 2.50%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Monthly Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Performance Trigger Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Rainbow Point to Point Indexed Account - 1 year Global
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Fixed Account @ 2.50%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 6%
12 yrs (NQ) 6.00 1.00% 87.50% $1,045 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00
Fixed Account @ 0.75% Rainbow Point to Point Indexed Account - 1 year Global
Performance Trigger Indexed Account - 1 year S&P 500 Point to Point Indexed Account - 1 year S&P 500
Rainbow Point to Point Indexed Account - 1 year Domestic Monthly Point to Point Indexed Account - 1 year S&P 500
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%
Forethought Financial
Destination Income 15 -High
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00
Fixed Account Strategy @ 2.00%
Forethought Financial
Destination Income 15 -Mid
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00
Fixed Account Strategy @ 2.00%
Forethought Financial
Destination Income 15 -Low
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00
Fixed Account Strategy @ 2.00%
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%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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
Allianz Life Ins. Co. of North America
Allianz 360 Annuity
10 yrs 80   1.00-1.35% 87.50% $1,001 01/31/12 0-75: 7.00
76-80: 5.00
1-Year Blended Annual Point-to-Point Cap 1-Year Blended Monthly Average Spread
1-Year Eurostoxx 50 Annual Point-to-Point 1-Year Eurostoxx 50 Monthly Sum Cap
1-Year Nasdaq 100 Annual Point-to-Poiont 1-Year Nasdaq 100 Monthly Sum Cap
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Sum Cap
1-Year Fixed Interest Account @ 1.80%
Allianz Life Ins. Co. of North America
Allianz 365i Annuity
10 yrs (NQ) 8.00 2.15% 87.50% $1,169 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year EuroSTOXX 50 Monthly Sum Cap 1 Year EuroSTOXX 50 Point-to-Point Cap
1 Year Nasdaq 100 Point-to-Point Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 SELECT Annual Point-to-Point Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1-Year Nasdaq 100 Monthly Sum Cap 1-Year S&P 500 Monthly Sum Cap
1 Year Fixed Interest Account @ 1.50%
Allianz Life Ins. Co. of North America
MasterDex 10 Plus Annuity
10 yrs 80 10.00 1.00% 87.50% $1,063 01/31/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
Fixed Interest Account @ 2.20%
Allianz Life Ins. Co. of North America
MasterDex 3 Plus
10 yrs (NQ) 3.00 2.00% 87.50% $1,099 01/31/12 65-69: 7.00
70-80: 5.00
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Sum
Blended Index Annual Point-to-Point Blended Index Monthly Averaging
FTSE 100 Annual Point-to-Point FTSE 100 Monthly Sum
Nasdaq 100 Annual Point-to-Point Nasdaq 100 Monthly Sum
1-Year Fixed Interest Option @ 1.50%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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+
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Average Participation Rate 10 Year U.S. Treasury Bond Value with Cap
1 Year S&P 500 Monthly Point-to-Point
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 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
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Point-to-Point Cap
Traditional Fixed Value @ 1.65%
Amer. Equity Investment Life Ins. Co.
Benefit Gold (ICC10 IDX 110*)
10 yrs (NQ) 5.00 1.50% 87.50% 10/08/11 0-75: 5.25+
76-80: 3.94+
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.60%
1 Year S&P 500 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co.
Millenium Platinum (WA)
10 yrs (NQ)   1.50% 87.50% 10/08/11 0-75: 6.00+
76-80: 4.50+
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 1 Year S&P 500 Monthly Average Participation Rate
10 Year U.S. Treasury Bond Value with Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)
10 yrs (NQ) 5.00
to 8.00 		1.50% 87.50% 10/08/11 0-78: 6.00+
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Point-to-Point
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (INDEX-4-10-FL)
10 yrs (NQ) 8.00 1.50% 87.50% 10/08/11 0-64: 6.00+
65-75: 5.25+
76-78: 4.50+
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average Participation Rate
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 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
1 Year S&P 500 Monthly Average with Cap Traditional Fixed Value @ 1.60%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00 1.50% 100% $1,219 01/30/12 0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 1.85%
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity (CA)
10 yrs 80 5.00 2.00% 100% $1,280 01/30/12 0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 2.00%
Amer. General Life Ins. Co.
AG Vision Maximizer
10 yrs 75 5.00 1.50% 90.00% $1,097 01/30/12 0-75: 8.00+
Annual Point-to-Point Account with Adjustable Participation Annual Point-to-Point Account with Cap
Monthly Average Account with Index Spread Fixed Interest Account @ 1.50%
Amer. General Life Ins. Co.
AG Vision Maximizer (CA)
10 yrs 75 5.00 2.00% 90.00% $1,152 01/30/12 0-UP: 8.00
Annual Point-to-Point with Adjustable Participation Annual Point-to-Point with Cap
Monthly Average Account with Index Spread Fixed Interest Account @ 2.00%
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
Guaranteed One-Year Fixed Interest Crediting @ 1.50%
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® Five-Year Point-to-Point Strategy Guaranteed One-Year Fixed Interest Crediting @ 1.50%
S&P 500® One-Year Point-to-Point Strategy Capped
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Two-Year Monthly Average Strategy
S&P 500® One-Year Point-to-Point Strategy Capped S&P 500® Five-Year Point-to-Point Strategy
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra
10 yrs 90   1.00-1.75% 100% $1,189 02/01/12 0-75: 7.00
76-90: 5.50
Guaranteed One Year @ 2.35% Index Corporate Bond @ 2.84%
Guaranteed One Year Current Market @ 1.35% Index 10 Year Treasury @ 1.75%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra (TX, UT, WA)
10 yrs 90   1.00% 100% $1,105 02/01/12 0-75: 6.75
76-90: 5.25
Guaranteed One Year Current Market @ 1.20% Guaranteed One Year @ 2.20%
Index Corporate Bond @ 2.69% Index 10 Year Treasury @ 1.57%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 2
10 yrs 90   1.00-1.75% 100% $1,189 02/01/12 0-75: 6.30
76-90: 4.80
Index Corporate Bond @ 2.79% Guaranteed One Year Current Market @ 1.30%
Index 10 Year Treasury @ 1.67% Guaranteed One Year @ 2.30%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 2 (TX, UT, WA)
10 yrs 90   1.00% 100% $1,105 02/01/12 0-75: 6.00
76-90: 4.50
Index Corporate Bond @ 2.64% Index 10 Year Treasury @ 1.52%
Guaranteed One Year @ 2.15% Guaranteed One Year Current Market @ 1.15%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 4
10 yrs 85   1.00-1.75% 100% $1,189 02/01/12 0-75: 5.60
76-UP: 4.10
Guaranteed One Year Current Market @ 1.25% Index 10 Year Treasury @ 1.62%
Guaranteed One Year @ 2.25% Index Corporate Bond @ 2.74%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 4 (TX, UT, WA)
10 yrs 85   1.00% 100% $1,105 02/01/12 0-75: 5.25
76-UP: 4.00
Guaranteed One Year @ 3.10% Index 10 Year Treasury @ 1.47%
Guaranteed One Year Current Market @ 1.10% Index Corporate Bond @ 2.59%
Performance trigger crediting: full interest rate credited in every year the index is not down.
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
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
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+
Fixed Strategy @ 1.55%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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+
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 Fixed Strategy @ 1.00%
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+
1-Year Point-to-Point Index Strategy Fixed Strategy @ 1.00%
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+
1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
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 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
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
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 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 Monthly Cap Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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+
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+
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 Average 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+
Fixed @ 1.00%
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&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 1-Year Point-to-Point Hang Seng
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&P500 Point-to-Point 1-Year S&P 500 Monthly Cap
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 1-Year S&P500 Point-to-Point
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 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+
Fixed @ 2.00%
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 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%
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 Point-to-Point w/ Participation
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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 Point to Point Dow Jones EUROSTOXX 50
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%
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 Cap 1-Year S&P 500 Monthly 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+
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 Point-to-Point w/ Participation 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 Fixed Crediting Rate @ 1.35%
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
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
1-Year Fixed Crediting Rate @ 1.35% 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 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 (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 S&P 500 Point-to-Point 1-Year Average Index Strategy
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%
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%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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 Monthly Cap 1-Year Average Index Strategy
1-Year S&P 500 Point-to-Point
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 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+
1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00%
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 Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Index Strategy
1-Year Monthly Cap 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 Participation 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 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 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®)
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 (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap 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 Point-to-Point Participation Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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)
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point 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 Guaranteed Cap Index Strategy (Hang Seng Index) 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 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
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 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+
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Fixed Strategy @ 2.00%
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®) 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 Guaranteed Cap Index Strategy (Hang Seng Index) 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+
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 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 Monthly Cap Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
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 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 Point-to-Point Index Strategy 1-Year Average 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 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 Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
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 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 -Low
10 yrs 78 6.00 1.00% 100% $1,171 01/06/12 0-75: 6.00+
76-78: 4.00+
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 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% 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)
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 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
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
1-Year Fixed Crediting Rate @ 1.35%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: 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
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 (Mult