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Fixed Annuities

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Showing 1-205 of 205    Print/Save
Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Surrender Charges Last 15 Years
American Equity Investment Life Insurance Company
Premier Eagle 10 (FPDA-7-08)
A- 1 10/08/11 2.00 0.00 2.00 3.00
to 10.00 		12.20 2.20
to 2.65 		1.73
to 2.18 		0-75: 5.00+
76-80: 3.75+
National Western Life
NWL Future Assurance [LOAN]
A 1 12/01/11 1.00 0.00 1.00 2.00
to 10.00 		11.10 1.13
to 1.64 		1.13
to 1.64 		0-75: 5.00+
76-80: 3.00+
Surrender Charges Last 14 Years
North American Company
North American Flex III [MVA, LOAN]
A+ 1 01/19/12 1.85 0.00 1.85 10.00 12.03 2.55 1.75 0-75: 4.50+
National Western Life
NWL Benefit Assurance [LOAN]
A 1 12/01/11 1.00 0.00 1.00 4.00
to 5.00 		6.05 1.28
to 1.35 		1.28
to 1.35 		0-75: 8.00+
76-80: 6.00+
81-85: 3.50+
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company
FPDA-10 (MVA) [MVA]
A- 1 10/08/11 2.25 0.00 2.25 2.00 4.30 2.42 2.42 0-75: 6.00+
76-80: 4.50+
Surrender Charges Last 10 Years
Guaranty Income Life
FlexPlus 10 (3% Bonus)
B 1 01/01/12 2.70 3.00 5.70     3.00 1.46 0-74: 4.25
75-79: 1.75
Guaranty Income Life
FlexPlus 10 (2% Bonus)
B 1 01/01/12 2.70 2.00 4.70     2.90 1.36 0-74: 5.25
75-79: 2.75
Guaranty Income Life
FlexPlus 10 (1% Bonus)
B 1 01/01/12 2.70 1.00 3.70     2.80 1.27 0-74: 6.25
75-79: 3.75
Guaranty Income Life
FlexPlus 10
B 1 01/01/12 2.70 0.00 2.70     2.70 1.17 0-74: 7.25
75-79: 4.75
American Equity Investment Life Insurance Company
Premier Eagle 12 (FRG-2-09)
A- 1 10/08/11 1.60 0.00 1.60 9.00 10.74 2.48 1.93 0-78: 6.00+
American General Life Insurance Company
AG HorizonMYG (CA)
A 6 02/06/12 2.00 4.00 6.00     2.39 2.39 0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
North American Company
North American Flex II [MVA, LOAN]
A+ 1 01/19/12 1.80 0.00 1.80 5.00 6.89 2.30 1.57 0-75: 4.50+
76-79: 3.38+
American National Insurance Company
Palladium Century 7
A 1 02/01/12 1.55 7.00 8.55     2.23 1.73 0-74: 5.00+
75-80: 3.00+
North American Company
Boomer Annuity [MVA, LOAN]
A+ 1 01/19/12 1.65 0.00 1.65 5.00 6.73 2.15 1.56 0-80: 7.00+
81-80: 5.25+
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) High-Band
A 1 01/06/12 1.55 0.00 1.55 2.00
to 5.00 		6.63 1.75
to 2.05 		1.26
to 1.55 		0-75: 6.50+
76-78: 4.50+
American National Insurance Company
Palladium Century 5
A 1 02/01/12 1.55 5.00 6.55     2.04 1.54 0-74: 6.00+
75-80: 3.50+
Aviva Life & Annuity (MultiChoice Series)
Freedom Xtra (1-Year) High-Band
A 1 01/06/12 1.60 0.00 1.60 4.00 5.66 2.00 1.46 0-75: 6.00+
76-78: 4.00+
Aviva Life & Annuity (Income Series)
Income Select Spirit Bonus (1-Year) High-Band
A 1 01/06/12 1.60 0.00 1.60 4.00 5.66 2.00 1.46 0-75: 6.00+
76-78: 4.00+
American National Insurance Company
Palladium Century 3
A 1 02/01/12 1.55 3.00 4.55     1.85 1.35 0-74: 7.00+
75-UP: 4.50+
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus High-Band
A 1 01/06/12 1.55 0.00 1.55 2.00 3.58 1.75 1.26 0-75: 6.50+
76-78: 4.50+


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus S High-Band
A 1 01/06/12 1.25 0.00 1.25 2.00
to 5.00 		6.31 1.45
to 1.75 		1.23
to 1.52 		0-75: 5.00+
76-78: 3.00+
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) S High-Band
A 1 01/06/12 1.25 0.00 1.25 2.00
to 5.00 		6.31 1.45
to 1.75 		1.23
to 1.52 		0-75: 6.50
76-78: 4.50
American General Life Insurance Company
AG HorizonMYG [MVA]
A 6 02/06/12 1.35 4.00 5.35     1.74 1.60 0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
American National Insurance Company
Palladium Century 1
A 1 02/01/12 1.55 1.00 2.55     1.65 1.15 0-74: 8.00+
75-90: 5.50+
ReliaStar Life Insurance Company
ING StrataFlex (TSA/457) [LOAN]
A 1 02/01/12 1.45 1.50 2.95     1.60 1.29 0-75: 6.50+
Forethought Financial
Secure Bonus 115sm Low-Band [MVA]
A- 1 02/01/12 1.50 0.00 1.50     1.50 1.05 0-75: 7.50+
76-85: 5.00+
Forethought Financial
Secure Bonus 115sm Mid-Band [MVA]
A- 1 02/01/12 1.50 0.00 1.50     1.50 1.05 0-75: 7.50+
76-85: 5.00+
Forethought Financial
Secure Bonus 115sm High-Band [MVA]
A- 1 02/01/12 1.50 0.00 1.50     1.50 1.05 0-75: 7.50+
76-85: 5.00+
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) S Low-Band
A 1 01/06/12 1.00 0.00 1.00 2.00
to 5.00 		6.05 1.20
to 1.49 		1.20
to 1.49 		0-75: 6.50
76-78: 4.50
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus S Low-Band
A 1 01/06/12 1.00 0.00 1.00 2.00
to 5.00 		6.05 1.20
to 1.49 		1.20
to 1.49 		0-75: 5.00+
76-78: 3.00+
Aviva Life & Annuity (MultiChoice Series)
Freedom Plus (1-Year) Low-Band
A 1 01/06/12 1.00 0.00 1.00 2.00
to 5.00 		6.05 1.20
to 1.49 		1.20
to 1.49 		0-75: 6.50+
76-78: 4.50+
Aviva Life & Annuity (Income Series)
Income Select Spirit Bonus (1-Year) Low-Band
A 1 01/06/12 1.00 0.00 1.00 4.00 5.04 1.40 1.40 0-75: 6.00+
76-78: 4.00+
Aviva Life & Annuity (MultiChoice Series)
Freedom Xtra (1-Year) Low-Band
A 1 01/06/12 1.00 0.00 1.00 4.00 5.04 1.40 1.40 0-75: 6.00+
76-78: 4.00+
Forethought Financial
Secure Bonus 115 Plussm Low-Band [MVA]
A- 1 02/01/12 1.00 3.00 4.00     1.30 1.30 0-75: 7.50+
76-85: 5.00+
Forethought Financial
Secure Bonus 115 Plussm Mid-Band [MVA]
A- 1 02/01/12 1.00 3.00 4.00     1.30 1.30 0-75: 7.50+
76-85: 5.00+
Forethought Financial
Secure Bonus 115 Plussm High-Band [MVA]
A- 1 02/01/12 1.00 3.00 4.00     1.30 1.30 0-75: 7.50+
76-85: 5.00+
Forethought Financial
Secure Income 125 Low-Band
A- 1 02/01/12 1.25 0.00 1.25     1.25 1.03 0-75: 7.00+
76-85: 5.00+
Forethought Financial
Secure Income 125 Mid-Band
A- 1 02/01/12 1.25 0.00 1.25     1.25 1.03 0-75: 7.00+
76-85: 5.00+
Forethought Financial
Secure Income 125 High-Band
A- 1 02/01/12 1.25 0.00 1.25     1.25 1.03 0-75: 7.00+
76-85: 5.00+
Aviva Life & Annuity (Income Series)
Income Select Spirit Plus Low-Band
A 1 01/06/12 1.00 0.00 1.00 2.00 3.02 1.20 1.20 0-75: 6.50+
76-78: 4.50+


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
ReliaStar Life Insurance Company
ING StrataFlex (NQ)
A 1 02/01/12 1.00 1.00 2.00     1.10 1.20 0-74: 6.50+
75-80: 4.90+
Surrender Charges Last 9 Years
EquiTrust Life Insurance Company
ChoiceFour (MVA Option) [MVA]
B+ 1 10/24/11 2.50 0.00 2.50 1.50 4.04 2.67 2.22 0-80: 5.50
81-85: 4.13
American General Life Insurance Company
AG HorizonPlus (CA) [MVA]
A 6 02/06/12 2.00 6.00 8.00     2.65 2.65 0-75: 6.00
76-80: 3.20
81-85: 1.35
EquiTrust Life Insurance Company
ChoiceFour (Base Contract)
B+ 1 10/24/11 2.50 0.00 2.50     2.50 2.06 0-80: 5.50
81-85: 4.13
North American Company
North American Director
A+ 5 01/19/12 1.80 3.00 4.80     2.13 1.77 0-80: 5.50+
81-85: 4.13+
American General Life Insurance Company
AG HorizonPlus [MVA]
A 6 02/06/12 1.25 6.00 7.25     1.90 1.82 0-75: 6.00
76-80: 3.20
81-85: 1.35
Presidential Life
FPDA, No Load Flex
B++ 1 08/24/11 1.65 0.00 1.65     1.65 1.16 0-75: 3.50
76-80: 2.60
81-85: 0.75
National Western Life
NWL Value Assurance [LOAN]
A 1 12/01/11 1.00 0.00 1.00 2.00 3.02 1.22 1.22 0-75: 5.00+
76-80: 3.00+
ReliaStar Life Insurance Company
ING Retirement Plus (TSA/457) [LOAN]
A 1 02/01/12 1.20 0.00 1.20     1.20 1.00 0-55: 4.50+
56-75: 4.50+
The Standard
FPDA
A 1 01/01/12 1.00 0.00 1.00     1.00 1.00 0-80: 5.50+
81-90: 2.25+
ReliaStar Life Insurance Company
ING Retirement Plus (NQ)
A 1 02/01/12 1.00 0.00 1.00     1.00 1.00 0-70: 5.00+
71-74: 5.00+
75-UP: 2.75+
Surrender Charges Last 8 Years
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA High-Band
A+ 5 02/01/12 1.85 1.00 2.85     2.47 2.15
Call
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA Mid-Band
A+ 5 02/01/12 1.85 0.75 2.60     2.32 2.00
Call
American General Life Insurance Company
AG HorizonFlex (CA)
A 1 02/06/12 2.00 2.00 4.00     2.25 2.25 0-75: 5.00
76-80: 4.00
81-85: 3.00
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA Mid-Band
A+ 5 02/01/12 1.85 0.50 2.35     2.16 1.84
Call
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 5 MVA Low-Band
A+ 5 02/01/12 1.85 0.25 2.10     2.01 1.69
Call
American General Life Insurance Company
AG HorizonFlex
A 1 02/06/12 1.60 2.00 3.60     1.85 1.76 0-75: 5.00
76-80: 4.00
81-85: 3.00
Surrender Charges Last 7 Years
Symetra Life Insurance Company
Symetra Custom 7 (3) Year High-Band
A 3 01/23/12 3.10 0.50 3.60     3.17 1.97 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 3.10 0.50 3.60   3.17 1.97 No Change  
Guaranty Income Life
FlexPlus 7 (3% Bonus)
B 1 01/01/12 2.60 3.30 5.90     3.07 1.69 0-79: 1.50
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year High-Band
A 3 01/23/12 2.95 0.50 3.45     3.02 1.90
Call


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Symetra Life Insurance Company
Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.85 0.50 3.35     2.92 1.86 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 2.85 0.50 3.35   2.92 1.86 No Change  
Guaranty Income Life
FlexPlus 7 (2% Bonus)
B 1 01/01/12 2.60 2.00 4.60     2.88 1.51 0-74: 2.50
75-79: 0.50
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.70 0.50 3.20     2.77 1.80
Call
Guaranty Income Life
FlexPlus 7 (1% Bonus)
B 1 01/01/12 2.60 1.00 3.60     2.74 1.37 0-74: 3.50
75-79: 1.50
Symetra Life Insurance Company
Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.55 0.50 3.05     2.62 1.73 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 2.55 0.50 3.05   2.62 1.73 No Change  
Guaranty Income Life
FlexPlus 7
B 1 01/01/12 2.60 0.00 2.60     2.60 1.23 0-74: 4.50
75-79: 2.50
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year Mid-Band
A 3 01/23/12 2.40 0.50 2.90     2.47 1.67
Call
Symetra Life Insurance Company
Symetra Custom 7 (5) Year High-Band
A 5 01/23/12 2.35 0.50 2.85     2.42 2.03 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 2.35 0.50 2.85   2.42 2.03 No Change  
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5) Year High-Band
A 5 01/23/12 2.20 0.50 2.70     2.27 1.93
Call
Symetra Life Insurance Company
Symetra Custom 7 (5) Year Mid-Band
A 5 01/23/12 2.15 0.50 2.65     2.22 1.89 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 2.15 0.50 2.65   2.22 1.89 No Change  
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP) High-Band
A 3 01/23/12 2.15 0.50 2.65     2.22 1.56 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 2.15 0.50 2.65   2.22 1.56 No Change  
Presidential Life
Patriot 1 Year SPDA
B++ 1 08/24/11 2.20 0.00 2.20     2.20 1.26 0-75: 3.00
76-80: 2.50
81-91: 1.67
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3-Year ROP) High-Band
A 3 01/23/12 2.00 0.50 2.50     2.07 1.50
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5) Year Mid-Band
A 5 01/23/12 2.00 0.50 2.50     2.07 1.78
Call
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP) Mid-Band
A 3 01/23/12 1.90 0.50 2.40     1.97 1.46 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.90 0.50 2.40   1.97 1.46 No Change  
Reliance Standard Life
Apollo MVA [MVA]
A 1 09/29/11 1.80 1.00 2.80     1.94 1.26 0-75: 5.25
76-80: 4.20
81-85: 3.15
Symetra Life Insurance Company
Symetra Custom 7 (5) Year Mid-Band
A 5 01/23/12 1.80 0.50 2.30     1.87 1.64 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.80 0.50 2.30   1.87 1.64 No Change  
Symetra Life Insurance Company
Symetra Custom 7 (5-Year ROP) High-Band
A 5 01/23/12 1.80 0.50 2.30     1.87 1.64 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.80 0.50 2.30   1.87 1.64 No Change  
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3-Year ROP) Mid-Band
A 3 01/23/12 1.75 0.50 2.25     1.82 1.39
Call
Genworth Life Insurance Company
SecureLiving SmartRate High-Band
A 1 02/08/12 1.55 1.75 3.30     1.80 1.33 0-75: 4.50
76-80: 2.70
81-85: 1.05


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Reliance Standard Life
Apollo SP [MVA]
A 1 09/29/11 1.65 1.00 2.65     1.79 1.23 0-75: 5.25
76-80: 4.20
81-85: 3.15
The Standard
Advantage Growth Annuity 7 High-Band [MVA]
A 1 01/01/12 1.50 2.00 3.50     1.78 1.35 0-79: 4.50
80-84: 2.25
85-90: 1.75
Great American Life Insurance Company
Secure American [LOAN]
A 1 10/03/11 1.60 1.00 2.60     1.74 1.23 18-70: 6.50+
71-80: 5.25+
81-89: 5.00+
Symetra Life Insurance Company
Symetra Custom 7 (3) Year Low-Band
A 3 01/23/12 1.65 0.50 2.15     1.72 1.35 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.65 0.50 2.15   1.72 1.35 No Change  
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5) Year Mid-Band
A 5 01/23/12 1.65 0.50 2.15     1.72 1.54
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5-Year ROP) High-Band
A 5 01/23/12 1.65 0.50 2.15     1.72 1.54
Call
Genworth Life of New York
SecureLiving SmartRate NY (1) High-Band
A 1 02/08/12 1.50 1.50 3.00     1.71 1.28 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate Mid-Band
A 1 02/08/12 1.55 1.00 2.55     1.69 1.22 0-75: 4.50
76-80: 2.70
81-85: 1.05
The Standard
Advantage Growth Annuity 7 Low-Band [MVA]
A 1 01/01/12 1.40 2.00 3.40     1.68 1.34 0-79: 4.50
80-84: 2.25
85-90: 1.75
Symetra Life Insurance Company
Symetra Custom 7 (5-Year ROP) Mid-Band
A 5 01/23/12 1.60 0.50 2.10     1.67 1.50 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.60 0.50 2.10   1.67 1.50 No Change  
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP) Mid-Band
A 3 01/23/12 1.60 0.50 2.10     1.67 1.33 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.60 0.50 2.10   1.67 1.33 No Change  
American National Insurance Company
Citadel 7 Diamond High-Band
A 2 02/01/12 1.35 2.00 3.35     1.63 1.38 0-80: 3.50+
81-85: 2.50+
Genworth Life of New York
SecureLiving SmartRate NY (1) Mid-Band
A 1 02/08/12 1.50 0.75 2.25     1.61 1.18 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate Low-Band
A 1 02/08/12 1.55 0.25 1.80     1.59 1.11 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate 3 High-Band
A 3 02/08/12 1.20 0.90 2.10     1.58 1.47 0-75: 4.50
76-80: 2.70
81-85: 1.05
Symetra Life Insurance Company
Symetra Custom 7 (5) Year Low-Band
A 5 01/23/12 1.50 0.50 2.00     1.57 1.43 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.50 0.50 2.00   1.57 1.43 No Change  
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3) Year Low-Band
A 3 01/23/12 1.50 0.50 2.00     1.57 1.29
Call
North American Company
North American Flex I [MVA, LOAN]
A+ 1 01/19/12 1.55 0.00 1.55     1.55 1.08 0-75: 4.50+
76-80: 3.38+
81-85: 2.25+
American National Insurance Company
Palladium Century
A 1 02/01/12 1.55 0.00 1.55     1.55 1.08
American National Insurance Company
Citadel 7 Diamond Low-Band
A 2 02/01/12 1.25 2.00 3.25     1.53 1.35 0-80: 3.50+
81-85: 2.50+


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3-Year ROP) Mid-Band
A 3 01/23/12 1.45 0.50 1.95     1.52 1.26
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5-Year ROP) Mid-Band
A 5 01/23/12 1.45 0.50 1.95     1.52 1.39
Call
Aviva Life & Annuity (MultiChoice Series)
Freedom 7 (1-Year) High-Band
A 1 01/06/12 1.50 0.00 1.50     1.50 1.07 0-75: 3.00+
76-80: 1.75+
81-81: 1.75+
Aviva Life & Annuity (Income Series)
Income Select Spirit 7 (1-Year) High-Band
A 1 01/06/12 1.50 0.00 1.50     1.50 1.07 0-75: 3.00+
76-80: 1.75+
81-81: 1.75+
Genworth Life of New York
SecureLiving SmartRate NY (1) Low-Band
A 1 02/08/12 1.50 0.00 1.50     1.50 1.07 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate 5 High-Band
A 5 02/08/12 1.05 0.60 1.65     1.48 1.46 0-75: 4.50
76-80: 2.70
81-85: 1.05
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5) Year Low-Band
A 5 01/23/12 1.35 0.50 1.85     1.42 1.32
Call
Genworth Life Insurance Company
SecureLiving SmartRate 3 Mid-Band
A 3 02/08/12 1.20 0.50 1.70     1.41 1.30 0-75: 4.50
76-80: 2.70
81-85: 1.05
American National Insurance Company
Palladium Advisor [MVA]
A 1 02/01/12 1.25 1.00 2.25     1.39 1.18 0-80: 3.00+
81-UP: 1.00+
Genworth Life Insurance Company
SecureLiving SmartRate 5 Mid-Band
A 5 02/08/12 1.05 0.40 1.45     1.34 1.32 0-75: 4.50
76-80: 2.70
81-85: 1.05
Symetra Life Insurance Company
Symetra Custom 7 (5-Year ROP) Mid-Band
A 5 01/23/12 1.25 0.50 1.75     1.32 1.25 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.25 0.50 1.75   1.32 1.25 No Change  
Genworth Life of New York
SecureLiving SmartRate NY (3) High-Band
A 3 02/08/12 1.20 0.80 2.00     1.31 1.20 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life of New York
SecureLiving SmartRate NY (3) Mid-Band
A 3 02/08/12 1.20 0.40 1.60     1.26 1.14 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate 3 Low-Band
A 3 02/08/12 1.20 0.10 1.30     1.24 1.13 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life of New York
SecureLiving SmartRate NY (3) Low-Band
A 3 02/08/12 1.20 0.00 1.20     1.20 1.09 0-75: 4.50
76-80: 2.70
81-85: 1.05
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5-Year ROP) Mid-Band
A 5 01/23/12 1.10 0.50 1.60     1.17 1.14
Call
Genworth Life of New York
SecureLiving SmartRate NY (5) High-Band
A 5 02/08/12 1.05 0.55 1.60     1.13 1.11 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life of New York
SecureLiving SmartRate NY (5) Mid-Band
A 5 02/08/12 1.05 0.35 1.40     1.10 1.09 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate 5 Low-Band
A 5 02/08/12 1.05 0.05 1.10     1.09 1.07 0-75: 4.50
76-80: 2.70
81-85: 1.05
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (5-Year ROP) Low-Band
A 5 01/23/12 1.00 0.50 1.50     1.07 1.07
Call


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7 (3-Year ROP) Low-Band
A 3 01/23/12 1.00 0.50 1.50     1.07 1.07
Call
Symetra Life Insurance Company
Symetra Custom 7 (5-Year ROP) Low-Band
A 5 01/23/12 1.00 0.50 1.50     1.07 1.07 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.00 0.50 1.50   1.07 1.07 No Change  
Symetra Life Insurance Company
Symetra Custom 7 (3-Year ROP) Low-Band
A 3 01/23/12 1.00 0.50 1.50     1.07 1.07 0-75: 4.00
76-85: 2.25
86-90: 1.00
Next Rate: 02/13/12 1.00 0.50 1.50   1.07 1.07 No Change  
Genworth Life of New York
SecureLiving SmartRate NY (5) Low-Band
A 5 02/08/12 1.05 0.00 1.05     1.05 1.04 0-75: 4.50
76-80: 2.70
81-85: 1.05
Aviva Life & Annuity (Income Series)
Income Select Spirit 7 (1-Year) Low-Band
A 1 01/06/12 1.00 0.00 1.00     1.00 1.00 0-75: 3.00+
76-80: 1.75+
81-81: 1.75+
Aviva Life & Annuity (MultiChoice Series)
Freedom 7 (1-Year) Low-Band
A 1 01/06/12 1.00 0.00 1.00     1.00 1.00 0-75: 3.00+
76-80: 1.75+
81-81: 1.75+
American National Insurance Company
Palladium Group Fixed Deferred
A 1 02/01/12 1.00 0.00 1.00     1.00 1.00 0-UP: 4.00+
Surrender Charges Last 6 Years
Sagicor Life Insurance Company
Sage Choice [MVA]
A- 1 10/03/11 2.50 0.00 2.50   1.00   2.50 2.08
Call
Genworth Life of New York
SecureLiving Independence NY High-Band
A 2 02/08/12 2.05 2.00 4.05     2.38 2.01 0-75: 2.25
76-80: 1.31
81-85: 0.94
Genworth Life of New York
SecureLiving Independence NY Mid-Band
A 2 02/08/12 2.05 1.50 3.55     2.30 1.93 0-75: 2.25
76-80: 1.31
81-85: 0.94
Genworth Life Insurance Company
SecureLiving Independence High-Band
A 2 02/08/12 2.05 1.50 3.55     2.30 1.93 0-75: 2.25
76-80: 1.31
81-85: 0.94
Genworth Life Insurance Company
SecureLiving Liberty 1-Year Guaranty High-Band
A 1 02/08/12 1.85 2.75 4.60   1.25   2.30 1.59 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life of New York
Liberty NY 1-Yr Guaranty High-Band
A 1 02/08/12 1.85 2.75 4.60   1.25   2.30 1.59 0-75: 3.00
76-80: 1.95
81-UP: 1.05
ReliaStar Life Insurance Company
ING Premier 5 High-Band [LOAN]
A 1 02/01/12 1.45 0.00 1.45 5.00 6.52 2.28 1.90
Call
ReliaStar Life Insurance Company
ING Premier 5 Low-Band [LOAN]
A 1 02/01/12 1.45 0.00 1.45 0.00
to 5.00 		6.52 1.45
to 2.28 		1.07
to 1.90
Call
EquiTrust Life Insurance Company
Choice Four (Liquidity & MVA Option) [MVA]
B+ 1 10/24/11 2.00 0.00 2.00 1.50 3.53 2.25 2.25 0-80: 5.50
81-85: 4.13
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 3 MVA High-Band
A+ 3 02/01/12 1.75 1.00 2.75     2.25 1.87
Call
Genworth Life Insurance Company
SecureLiving Independence Mid-Band
A 2 02/08/12 2.05 1.00 3.05     2.22 1.85 0-75: 2.25
76-80: 1.31
81-85: 0.94
Genworth Life of New York
SecureLiving Independence NY Low-Band
A 2 02/08/12 2.05 1.00 3.05     2.22 1.85 0-75: 2.25
76-80: 1.31
81-85: 0.94
Genworth Life Insurance Company
SecureLiving Liberty 3-Year Guaranty High-Band
A 3 02/08/12 1.65 1.10 2.75   1.25   2.20 1.87 0-75: 3.00
76-80: 1.95
81-85: 1.05


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Genworth Life Insurance Company
SecureLiving Liberty 5-Year Guaranty High-Band
A 5 02/08/12 1.65 0.65 2.30   1.25   2.19 2.08 0-75: 3.00
76-80: 1.95
81-UP: 1.05
Genworth Life Insurance Company
SecureLiving Liberty 1-Year Guaranty Mid-Band
A 1 02/08/12 1.85 2.00 3.85   1.25   2.18 1.47 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life of New York
Liberty NY 1-Yr Guaranty Mid-Band
A 1 02/08/12 1.85 2.00 3.85   1.25   2.18 1.47 0-75: 3.00
76-80: 1.95
81-UP: 1.05
Genworth Life Insurance Company
SecureLiving Independence Low-Band
A 2 02/08/12 2.05 0.50 2.55     2.13 1.77 0-75: 2.25
76-80: 1.31
81-85: 0.94
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 3 MVA Mid-Band
A+ 3 02/01/12 1.75 0.75 2.50     2.12 1.75
Call
Genworth Life Insurance Company
SecureLiving Liberty 3-Year Guaranty Mid-Band
A 3 02/08/12 1.65 0.90 2.55   1.25   2.10 1.77 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life Insurance Company
SecureLiving Liberty 5-Year Guaranty Mid-Band
A 5 02/08/12 1.65 0.50 2.15   1.25   2.07 1.96 0-75: 3.00
76-80: 1.95
81-UP: 1.05
Genworth Life Insurance Company
SecureLiving Liberty 1-Year Guaranty Low-Band
A 1 02/08/12 1.85 1.00 2.85   1.25   2.02 1.31 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life of New York
Liberty NY 1-Yr Guaranty Low-Band
A 1 02/08/12 1.85 1.00 2.85   1.25   2.02 1.31 0-75: 3.00
76-80: 1.95
81-UP: 1.05
EquiTrust Life Insurance Company
ChoiceFour (Liquidity Option)
B+ 1 10/24/11 2.00 0.00 2.00     2.00 2.00 0-80: 5.50
81-85: 4.13
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 3 MVA Mid-Band
A+ 3 02/01/12 1.75 0.50 2.25     2.00 1.62
Call
ReliaStar Life Insurance Company
ING Premier 3 High-Band
A 1 02/01/12 1.45 0.00 1.45 3.00 4.49 1.95 1.57
Call
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 3 MVA Low-Band
A+ 3 02/01/12 1.75 0.25 2.00     1.87 1.50
Call
ReliaStar Life Insurance Company
ING Premier 3 Mid-Band
A 1 02/01/12 1.45 0.00 1.45 2.50 3.99 1.87 1.49
Call
ReliaStar Life Insurance Company
ING Premier 5 Mid-Band [LOAN]
A 1 02/01/12 1.45 0.00 1.45 2.50 3.99 1.87 1.49
Call
Genworth Life of New York
Liberty NY 3-Yr Guaranty High-Band
A 3 02/08/12 1.65 1.10 2.75   1.25   1.83 1.51 0-75: 3.00
76-80: 1.95
81-85: 1.05
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 2 MVA High-Band [MVA]
A+ 2 02/01/12 1.65 0.00 1.65 1.00 2.67 1.82 1.38
Call
Genworth Life of New York
Liberty NY 3-Yr Guaranty Mid-Band
A 3 02/08/12 1.65 0.90 2.55   1.25   1.80 1.47 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life Insurance Company
SecureLiving Liberty 3-Year Guaranty Low-Band
A 3 02/08/12 1.65 0.30 1.95   1.25   1.80 1.47 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life of New York
Liberty NY 5-Yr Guaranty High-Band
A 5 02/08/12 1.65 0.65 2.30   1.25   1.76 1.65 0-75: 3.00
76-80: 1.95
81-85: 1.05


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Genworth Life of New York
Liberty NY 5-Yr Guaranty Mid-Band
A 5 02/08/12 1.65 0.50 2.15   1.25   1.73 1.62 0-75: 3.00
76-80: 1.95
81-85: 1.05
Genworth Life Insurance Company
SecureLiving Liberty 5-Year Guaranty Low-Band
A 5 02/08/12 1.65 0.10 1.75   1.25   1.73 1.62 0-75: 3.00
76-80: 1.95
81-UP: 1.05
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 2 MVA Mid-Band [MVA]
A+ 2 02/01/12 1.65 0.00 1.65 0.50 2.16 1.73 1.30
Call
Genworth Life of New York
Liberty NY 3-Yr Guaranty Low-Band
A 3 02/08/12 1.65 0.30 1.95   1.25   1.70 1.37 0-75: 3.00
76-80: 1.95
81-85: 1.05
ReliaStar Life Insurance Company
ING Premier Flex Annuity [LOAN]
A 1 02/01/12 1.45 0.00 1.45 1.50 2.97 1.70 1.33
Call
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 2 MVA Low-Band [MVA]
A+ 2 02/01/12 1.65 0.00 1.65 0.25 1.90 1.69 1.26
Call
Genworth Life of New York
Liberty NY 5-Yr Guaranty Low-Band
A 5 02/08/12 1.65 0.10 1.75   1.25   1.67 1.56 0-75: 3.00
76-80: 1.95
81-85: 1.05
ReliaStar Life Insurance Company
ING Premier 3 Low-Band
A 1 02/01/12 1.45 0.00 1.45     1.45 1.07
Call
The Standard
Secured Rate Annuity 1 High-Band
A 1 01/01/12 1.10 1.00 2.10 0.20
to 1.00 		1.10 3.12 1.30
to 1.43 		1.22
to 1.35 		0-80: 4.00
81-85: 2.00
86-UP: 1.45
The Standard
Secured Rate Annuity 1 Low-Band
A 1 01/01/12 1.00 1.00 2.00 0.20
to 1.00 		1.00 3.02 1.20
to 1.33 		1.20
to 1.33 		0-80: 4.00
81-85: 2.00
86-UP: 1.45
Surrender Charges Last 5 Years
Guaranty Income Life
FlexPlus 5
B 1 01/01/12 2.50 0.00 2.50     2.50 1.30 0-74: 2.00
75-79: 1.00
Reliance Standard Life
Eleos MVA [MVA]
A 1 09/29/11 2.00 1.00 3.00     2.20 1.40 0-75: 3.25
76-80: 2.60
81-85: 1.95
Reliance Standard Life
Eleos SP
A 1 09/29/11 1.85 1.00 2.85     2.05 1.37 0-75: 3.25
76-80: 2.60
81-85: 1.95
Symetra Life Insurance Company
Symetra Custom 5 (3) Year High-Band
A 3 01/23/12 1.60 0.50 2.10     1.70 1.46 0-75: 2.50
76-85: 1.50
86-90: 1.00
Next Rate: 02/13/12 1.60 0.50 2.10   1.70 1.46 No Change  
Symetra Life Insurance Company
Symetra Custom 5 (3) Year Mid-Band
A 3 01/23/12 1.55 0.50 2.05     1.65 1.43 0-75: 2.50
76-85: 1.50
86-90: 1.00
Next Rate: 02/13/12 1.55 0.50 2.05   1.65 1.43 No Change  
Symetra Life Insurance Company
Symetra Custom 5 (3) Year Mid-Band
A 3 01/23/12 1.45 0.50 1.95     1.55 1.37 0-75: 2.50
76-85: 1.50
86-90: 1.00
Next Rate: 02/13/12 1.45 0.50 1.95   1.55 1.37 No Change  
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 (3 Year) High-Band
A 3 01/23/12 1.45 0.50 1.95     1.55 1.37
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 (3 Year) Mid-Band
A 3 01/23/12 1.40 0.50 1.90     1.50 1.34
Call
Aviva Life & Annuity (MultiChoice Series)
Freedom 5 (1-Year) High-Band
A 1 01/06/12 1.50 0.00 1.50     1.50 1.10 0-75: 2.00+
76-79: 1.05+
80-83: 0.95+
Aviva Life & Annuity (Income Series)
Income Select Spirit 5 (1-Year) High-Band
A 1 01/06/12 1.50 0.00 1.50     1.50 1.10 0-75: 2.00+
76-80: 1.05+
81-83: 0.95+


Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Bail Out Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
ReliaStar Life Insurance Company
ING QuintaFlex (TSA/457) [LOAN]
A 1 02/01/12 1.15 1.50 2.65     1.45 1.53 0-70: 5.00+
71-74: 4.00+
75-UP: 2.50+
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 1 Non MVA High-Band
A+ 1 02/01/12 1.25 1.00 2.25     1.45 1.25
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 (3 Year) Mid-Band
A 3 01/23/12 1.30 0.50 1.80     1.40 1.28
Call
American National Insurance Company
Citadel 5 Diamond High-Band
A 2 02/01/12 1.20 1.00 2.20     1.40 1.28 0-80: 3.00
81-85: 2.00
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 1 Non MVA Mid-Band
A+ 1 02/01/12 1.25 0.50 1.75     1.35 1.15
Call
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 1 Non MVA Mid-Band
A+ 1 02/01/12 1.25 0.35 1.60     1.32 1.12
Call
SBLI -Savings Bank Life Insurance of MA
SBLI Optimizer 1 Non MVA Low-Band
A+ 1 02/01/12 1.25 0.25 1.50     1.30 1.10
Call
American National Insurance Company
Citadel 5 Diamond Low-Band
A 2 02/01/12 1.10 1.00 2.10     1.30 1.24 0-80: 3.00
81-85: 2.00
ReliaStar Life Insurance Company
ING QuintaFlex (NQ)
A 1 02/01/12 1.00 1.50 2.50     1.30 1.50 0-60: 4.50+
61-75: 2.00+
76-UP: 1.25+
Symetra Life Insurance Company
Symetra Custom 5 (3-Year ROP) High-Band
A 3 01/23/12 1.15 0.50 1.65     1.25 1.19 0-75: 2.50
76-85: 1.50
86-91: 1.00
Next Rate: 02/13/12 1.15 0.50 1.65   1.25 1.19 No Change  
Symetra Life Insurance Company
Symetra Custom 5 (3-Year ROP) Mid-Band
A 3 01/23/12 1.10 0.50 1.60     1.20 1.16 0-75: 2.50
76-85: 1.50
86-91: 1.00
Next Rate: 02/13/12 1.10 0.50 1.60   1.20 1.16 No Change  
Symetra Life Insurance Company
Symetra Custom 5 (3-Year ROP) Low-Band
A 3 01/23/12 1.00 0.50 1.50     1.10 1.10 0-75: 2.50
76-85: 1.50
86-91: 1.00
Next Rate: 02/13/12 1.00 0.50 1.50   1.10 1.10 No Change  
Symetra Life Insurance Company
Symetra Custom 5 (3-Year ROP) Mid-Band
A 3 01/23/12 1.00 0.50 1.50     1.10 1.10 0-75: 2.50
76-85: 1.50
86-91: 1.00
Next Rate: 02/13/12 1.00 0.50 1.50   1.10 1.10 No Change  
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 3-Year (ROP) Low-Band
A 3 01/23/12 1.00 0.50 1.50     1.10 1.10
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 3-Year (ROP) Mid-Band
A 3 01/23/12 1.00 0.50 1.50     1.10 1.10
Call
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5 3-Year (ROP) Mid-Band
A 3 01/23/12 1.00 0.50 1.50     <