Fixed Indexed Brief

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. F&G Life (Legacy) Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. Guaranty Income Life ING Annuity and Asset Sales Lincoln Benefit Life Lincoln Financial Group National Western Life North American Company Phoenix Life Insurance Co. Presidential Life Reliance Standard Life ReliaStar Life Ins. Co. Sagicor Life Insurance Co. SBLI -Savings Bank Life Ins. of MA Symetra Life Insurance Co. The Standard SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age Comm % More Search Options Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Featured Products
Surrender Charges Last 9 Years
NO CAP on global strategy! Credited 41.14% on 3/11/2010.
National Western Life	NWL Global Lookback [LOAN]	9		1.00	87.50	$ 957		up to 6.50%
Surrender Charges Last 10 Years
North American Company	North American Ten [MVA, LOAN]	10	7.00	1.00	100.00	$1,182		up to 6.50%
Only EIA w/ Return Of Premium, bonus, and Income Rider. Non-Core Carrier.
EquiTrust Life Ins. Co.	Market Ten Bonus Index [MVA]	10	6.00	1.00	100.00	$1,171		up to 6.00%
8% Simple-interest rollup on income rider. Cost 60 bps.
Allianz Life Ins. Co. of North America	MasterDex X Annuity [LOAN]	10	6.00	1.95-2.05	87.50	$1,136		up to 7.00%
LIAV can be taken as death benefit over 5 years.
Allianz Life Ins. Co. of North America	MasterDex 5 Plus Annuity [LOAN]	10	3.00-5.00	2.00	87.50	$1,120		up to 7.00%
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 [LOAN]	10		1.50	90.00	$1,044		up to 7.00%
8% Bonus, 10 yr surrender, 8% commission.
Fidelity & Guaranty Life	FG Index-Accelerator 10	10	6.00	1.00-1.10	87.50	$1,035		up to 7.50%
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 [LOAN]	13		1.00	87.50	$ 996		up to 10.00%
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	9.00	1.00	87.50	$1,096		up to 8.00%
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company	Freedom Choice (5%) 14 Low-Band [TSA, MVA, LOAN]	14		1.00	87.50	$1,006		up to 5.50%
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company	Freedom Choice (5%) 14 High-Band [TSA, MVA, LOAN]	14		1.00	87.50	$1,006		up to 5.50%
Surrender Charges Last 16 Years
9% bonus, & 7% compound rollup.
Amer. Equity Investment Life Ins. Co.	Bonus Gold (Index 1-07)	16	10.00	1.50	80.00			up to 6.00%

Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 5 Years
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
The Standard	Index Growth Annuity 5 Low-Band	5		1.00	100.00	$1,051		up to 4.00%
The Standard	Index Growth Annuity 5 High-Band	5		1.00	100.00	$1,051		up to 4.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Five Low-Band	5		1.00	100.00	$1,051		up to 2.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Five High-Band	5		1.00	100.00	$1,051		up to 2.00%
North American Company	North American Formula Choice [TSA, MVA, LOAN]	5		1.00	100.00	$1,051		up to 5.00%
Reliance Standard Life	Keystone 5 Index Annuity	5		1.00	100.00	$1,051		up to 4.00%
Symetra Life Insurance Co.	Symetra Edge Pro 5 Low-Band [MVA]	5		1.00	100.00	$1,051		up to 3.50%
Symetra Life Insurance Co.	Symetra Edge Pro 5 High-Band [MVA]	5		1.00	100.00	$1,051		up to 3.50%
North American Company	North American Formula Choice (TX) [TSA, MVA, LOAN]	5		1.00	100.00	$1,051
Aviva Life & Annuity (Income Series)	Income Select 5 Low-Band [MVA]	5		2.75	87.50	$1,002		up to 2.00%
Aviva Life & Annuity (Income Series)	Income Select 5 High-Band [MVA]	5		2.75	87.50	$1,002		up to 2.00%
5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales	ING Secure Index Five Low-Band	5		1.00	87.50	$ 920		up to 3.25%
5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales	ING Secure Index Five High-Band	5		1.00	87.50	$ 920		up to 3.25%
Allianz Life Ins. Co. of North America	Endurance Elite 5 [LOAN]	5		1.00	87.50	$ 920		up to 4.50%
Allianz Life Ins. Co. of North America	Allianz Pro V1 [LOAN]	5		1.00	87.50	$ 920		up to 3.25%
Amer. Equity Investment Life Ins. Co.	Heritage Gold (ICC11-IDX2)	5		1.00	87.50			up to 0.50%
Surrender Charges Last 6 Years
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
American National Ins. Co.	ANICO EIA	6		1.00	90.00	$ 955	02/01/12	up to 5.00%
Great Amer. Life Ins. Co.	Safe Outlook Low-Band [LOAN]	6		1.00	90.00	$ 955		up to 4.00%
Great Amer. Life Ins. Co.	Safe Outlook High-Band [LOAN]	6		1.00	90.00	$ 955		up to 4.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Six Low-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Six High-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Preferred Six Low-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Preferred Six High-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
Amer. Equity Investment Life Ins. Co.	Integrity Gold (Index 5-07)	6		1.50	87.50			up to 4.13%
Surrender Charges Last 7 Years
Fidelity & Guaranty Life	FG Index-Accelerator 7	7	3.00	1.00-1.10	100.00	$1,112		up to 5.00%
Reliance Standard Life	Keystone 7 Index Annuity	7		1.00	100.00	$1,072		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.00	100.00	$1,072		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.00	100.00	$1,072		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Seven Low-Band	7		1.00	100.00	$1,072		up to 3.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Seven High-Band	7		1.00	100.00	$1,072		up to 3.00%
The Standard	Index Growth Annuity 7 Low-Band	7		1.00	100.00	$1,072		up to 5.00%
The Standard	Index Growth Annuity 7 High-Band	7		1.00	100.00	$1,072		up to 5.00%
Great Amer. Life Ins. Co.	American Legend II [LOAN]	7		1.00	100.00	$1,072		up to 5.50%
Fidelity & Guaranty Life Ins. Co. of New York	FGNY Index-Safety 7	7		1.00	100.00	$1,072
Symetra Life Insurance Co.	Symetra Edge Pro 7 Low-Band [MVA]	7		1.00	100.00	$1,072		up to 4.50%
Symetra Life Insurance Co.	Symetra Edge Pro 7 High-Band [MVA]	7		1.00	100.00	$1,072		up to 4.50%
Aviva Life & Annuity (Income Series)	Income Select 7 Low-Band [MVA]	7		2.75	87.50	$1,058		up to 3.00%
Aviva Life & Annuity (Income Series)	Income Select 7 High-Band [MVA]	7		2.75	87.50	$1,058		up to 3.00%
Amer. General Life Ins. Co.	AG Vision Advantage 7 (CA) [MVA]	7		2.00	90.00	$1,034		up to 6.00%
American National Ins. Co.	Value Lock 7	7		1.00-1.75	88.70	$1,002	02/01/12	up to 6.00%
Amer. General Life Ins. Co.	AG Vision Advantage 7 [MVA]	7		1.50	90.00	$ 999		up to 6.00%
F&G Life (Legacy)	AmeriMark Freedom 7 SE	7	5.00	1.00	87.50	$ 985		up to 4.00%
National Western Life	NWL IMPACT 7 [LOAN]	7	5.00	1.00	87.50	$ 985		up to 5.50%
Fidelity & Guaranty Life	Prosperity Elite 7 Protection	7	5.00	1.00	87.50	$ 985		up to 5.00%
National Western Life	NWL IMPACT 7 S [LOAN]	7	5.00	1.00	87.50	$ 985		up to 4.50%
Allianz Life Ins. Co. of North America	MasterDex Plus Annuity [LOAN]	7		1.50	87.50	$ 971		up to 6.00%
Fidelity & Guaranty Life	Prosperity Elite 7 Enhanced	7	3.00	1.00	87.50	$ 966		up to 5.00%
Performance trigger crediting: full interest rate credited in every year the index is not down.
American National Ins. Co.	ANICO Strategy Indexed Annuity 7	7		1.00	90.00	$ 965		up to 5.00%
North American Company	Precision 7 [TSA, MVA, LOAN]	7		1.00	87.50	$ 938		up to 7.50%
North American Company	Charter 7 [TSA, MVA, LOAN]	7		1.00	87.50	$ 938		up to 7.50%
ING Annuity and Asset Sales	ING Secure Index Seven Low-Band	7		1.00	87.50	$ 938		up to 5.00%
ING Annuity and Asset Sales	ING Secure Index Seven High-Band	7		1.00	87.50	$ 938		up to 5.00%
F&G Life (Legacy)	AmeriMark Freedom 7	7		1.00	87.50	$ 938		up to 5.00%
North American Company	North American Prizm Plus 7 [TSA, MVA, LOAN]	7		1.00	87.50	$ 938		up to 7.50%
Fidelity & Guaranty Life	Prosperity Elite 7	7		1.00	87.50	$ 938		up to 5.00%
North American Company	Precision 7 (TX) [TSA, MVA, LOAN]	7		1.00	87.50	$ 938
North American Company	Charter 7 (TX) [TSA, MVA, LOAN]	7		1.00	87.50	$ 938
Genworth Life and Annuity Ins. Co	SecureLiving Index 7 Low-Band [MVA]	7		1.00	100.00			up to 5.00%
Genworth Life and Annuity Ins. Co	SecureLiving Index 7 Mid-Band [MVA]	7		1.00	100.00			up to 5.00%
Genworth Life and Annuity Ins. Co	SecureLiving Index 7 High-Band [MVA]	7		1.00	100.00			up to 5.00%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	4.00	1.00	100.00	$1,126		up to 6.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	3.00	1.00	100.00	$1,115		up to 6.00%
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group	Lincoln New Directions 8 Low-Band [MVA]	8		1.00	100.00	$1,083		up to 4.50%
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group	Lincoln New Directions 8 High-Band [MVA]	8		1.00	100.00	$1,083		up to 4.50%
Amer. General Life Ins. Co.	AG Global 8 Index Annuity (CA)	8		2.00	90.00	$1,054		up to 4.75%
Amer. General Life Ins. Co.	AG Global 8 Index Annuity	8		1.50	90.00	$1,014		up to 4.75%
North American Company	NA Performance Choice 8 Plus [MVA]	8	5.00	1.00	87.50	$ 995		up to 5.50%
North American Company	NA Performance Choice 8 [MVA]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice (5%) 8 Low-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice (5%) 8 High-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice 8 Low-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice 8 High-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
Surrender Charges Last 9 Years
Sagicor Life Insurance Co.	Platinum Series Fixed Indexed Annuity w/Bonus [MVA]	9	5.00	2.00	100.00	$1,255
Sagicor Life Insurance Co.	Platinum Series Fixed Indexed Annuity	9		2.00	100.00	$1,195
Fidelity & Guaranty Life	FG Index-Choice 9	9	3.00	1.00-1.10	103.00	$1,171		up to 9.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 (CA) [MVA]	9	3.00-4.00	2.00	90.00	$1,119		up to 6.00%
EquiTrust Life Ins. Co.	Builder Bonus Index [MVA]	9	5.00-6.00	2.00	87.50	$1,108		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.00	100.00	$1,094		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.00	100.00	$1,094		up to 7.00%
EquiTrust Life Ins. Co.	Market Booster Index [MVA]	9	4.00	2.00	87.50	$1,088		up to 6.00%
Amer. General Life Ins. Co.	AG Vision Advantage 9(CA) [MVA]	9		2.00	90.00	$1,076		up to 6.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 [MVA]	9	3.00-4.00	1.50	90.00	$1,070		up to 6.00%
Amer. General Life Ins. Co.	AG Vision Advantage 9 [MVA]	9		1.50	90.00	$1,029		up to 6.00%
National Western Life	NWL Ultra Value [LOAN]	9	2.00	1.00	87.50	$ 976		up to 5.00%
ING Annuity and Asset Sales	ING Envoy Nine Fixed Index Annuity Low-Band [MVA]	9		1.00	87.50	$ 957		up to 6.00%
ING Annuity and Asset Sales	ING Envoy Nine Fixed Index Annuity High-Band [MVA]	9		1.00	87.50	$ 957		up to 6.00%
National Western Life	NWL Ultra Future (2% Bonus states) [LOAN]	9	2.00	3.00				up to 5.00%
Surrender Charges Last 10 Years
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity (CA) [MVA]	10	5.00	2.00	100.00	$1,280		up to 5.25%
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity [MVA]	10	5.00	1.50	100.00	$1,219		up to 5.25%
Lincoln Benefit Life	Savers Index III	10		3.00	90.00	$1,210		up to 3.45%
Aviva Life & Annuity (Income Series)	Income Select Plus S Low-Band	10	3.00-5.00	2.75	87.50	$1,205		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Select Plus S High-Band	10	3.00-5.00	2.75	87.50	$1,205		up to 5.00%
Amer. Natl. Ins. (Legacy)	BenchMark Reliance Extra [MVA]	10		1.00-1.75	100.00	$1,189		up to 7.00%
Amer. Natl. Ins. (Legacy)	BenchMark Reliance Extra 2 [MVA]	10		1.00-1.75	100.00	$1,189		up to 6.30%
Amer. Natl. Ins. (Legacy)	BenchMark Reliance Extra 4 [MVA]	10		1.00-1.75	100.00	$1,189		up to 5.60%
North American Company	North American Paramount Choice Ten [MVA, LOAN]	10	7.00	1.00	100.00	$1,182		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Xtra Low-Band [MVA]	10	6.00	1.00	100.00	$1,171		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Xtra High-Band [MVA]	10	6.00	1.00	100.00	$1,171		up to 6.00%
Allianz Life Ins. Co. of North America	Allianz 365i Annuity [LOAN]	10	8.00	2.15	87.50	$1,169		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus S Low-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 5.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus S High-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 5.00%
Lincoln Financial Group	Lincoln OptiPoint 10 High-Band [MVA]	10	5.00	1.00	100.00	$1,160		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus Low-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus High-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 6.50%
Amer. General Life Ins. Co.	AG Vision Maximizer (CA) [MVA]	10	5.00	2.00	90.00	$1,152		up to 8.00%
Lincoln Financial Group	Lincoln OptiPoint 10 Low-Band [MVA]	10	4.00	1.00	100.00	$1,149		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Select 10 Low-Band [MVA]	10		2.75	87.50	$1,148		up to 6.50%
Aviva Life & Annuity (Income Series)	Income Select 10 High-Band [MVA]	10		2.75	87.50	$1,148		up to 6.50%
Lincoln Benefit Life	Saver's Index Annuity Premier	10	3.00	1.00	100.00	$1,138		up to 3.45%
Fidelity & Guaranty Life Ins. Co. of New York	FGNY Index-Choice 10	10	2.00	1.00	100.00	$1,127
Great Amer. Life Ins. Co.	American Valor® 10 [TSA, LOAN]	10	2.00	1.00	100.00	$1,127		up to 6.00%
ING Annuity and Asset Sales	ING Secure Index Opportunities Plus Low-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
ING Annuity and Asset Sales	ING Secure Index Opportunities Plus High-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
Return of Premium, with bailout feature. And, an income rider with 10% simple rollup.
Great Amer. Life Ins. Co.	Safe Return [TSA, LOAN]	10		1.00	100.00	$1,105		up to 6.50%
Reliance Standard Life	Keystone 10 Index Annuity	10		1.00	100.00	$1,105		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Ten Low-Band	10		1.00	100.00	$1,105		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Ten High-Band	10		1.00	100.00	$1,105		up to 6.50%
Amer. Natl. Ins. (Legacy)	BenchMark Reliance Extra (TX, UT, WA) [MVA]	10		1.00	100.00	$1,105		up to 6.75%
Amer. Natl. Ins. (Legacy)	BenchMark Reliance Extra 2 (TX, UT, WA) [MVA]	10		1.00	100.00	$1,105		up to 6.00%
Amer. Natl. Ins. (Legacy)	BenchMark Reliance Extra 4 (TX, UT, WA) [MVA]	10		1.00	100.00	$1,105		up to 5.25%
Allianz Life Ins. Co. of North America	MasterDex 3 Plus [LOAN]	10	3.00	2.00	87.50	$1,099		up to 7.00%
ING Annuity and Asset Sales	ING Secure Index Outlook Annuity Low-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
ING Annuity and Asset Sales	ING Secure Index Outlook Annuity High-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
Forethought Financial	Destination Income 15 Low-Band	10		2.00	90.00	$1,097	02/01/12	up to 6.50%
Forethought Financial	Destination Income 15 Mid-Band	10		2.00	90.00	$1,097	02/01/12	up to 6.50%
Forethought Financial	Destination Income 15 High-Band	10		2.00	90.00	$1,097	02/01/12	up to 6.50%
Amer. General Life Ins. Co.	AG Vision Maximizer [MVA]	10	5.00	1.50	90.00	$1,097		up to 8.00%
American National Ins. Co.	Value Lock 10 [MVA]	10		1.00-1.75	90.00	$1,071	02/01/12	up to 10.00%
EquiTrust Life Ins. Co.	Market Value Index [MVA]	10		2.00	87.50	$1,067		up to 6.50%
Allianz Life Ins. Co. of North America	MasterDex 10 Plus Annuity [LOAN]	10	10.00	1.00	87.50	$1,063		up to 7.00%
F&G Life (Legacy)	AdvanceMark	10	8.00	1.00-1.10	87.50	$1,054		up to 7.50%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus Low-Band [MVA]	10	6.00-8.00	1.00	87.50	$1,044		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus High-Band [MVA]	10	6.00-8.00	1.00	87.50	$1,044		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra Low-Band [MVA]	10	6.00-8.00	1.00	87.50	$1,044		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra High-Band [MVA]	10	6.00-8.00	1.00	87.50	$1,044		up to 7.00%
Fidelity & Guaranty Life	Prosperity Elite 10 Protection	10	8.00	1.00	87.50	$1,044		up to 7.00%
National Western Life	NWL IMPACT 10 [LOAN]	10	7.00	1.00	87.50	$1,034		up to 6.50%
Aviva Life & Annuity (Income Series)	Lifetime Solutions Annuity High-Band [MVA]	10	5.00-7.00	1.00	87.50	$1,034		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Lifetime Solutions Annuity High-Band [MVA]	10	5.00-7.00	1.00	87.50	$1,034		up to 7.00%
Phoenix Life Insurance Co.	Phoenix Index Select Gold Bonus	10	7.00	1.00	87.50	$1,034		up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Lifetime Solutions Annuity Low-Band [MVA]	10	3.00-6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (Income Series)	Lifetime Solutions Annuity Low-Band [MVA]	10	3.00-6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus Pro Low-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus Pro High-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MulitChoice Xtra Pro Low-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MulitChoice Xtra Pro High-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Fidelity & Guaranty Life	Prosperity Elite 10 Enhanced	10	5.00	1.00	87.50	$1,015		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Ultra Low-Band [MVA]	10	3.00-5.00	1.00	87.50	$1,015	01/06/12	up to 7.50%
Aviva Life & Annuity (Income Series)	Income Preferred Ultra High-Band [MVA]	10	3.00-5.00	1.00	87.50	$1,015	01/06/12	up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Advantage Low-Band [MVA]	10	3.00-5.00	1.00	87.50	$1,015	01/06/12	up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Advantage High-Band [MVA]	10	3.00-5.00	1.00	87.50	$1,015	01/06/12	up to 7.50%
Forethought Financial	Bonus Advantage [MVA]	10	5.00	1.00	87.50	$1,015		up to 7.00%
Phoenix Life Insurance Co.	Phoenix Index Select Gold Bonus FL,IA,IN,KY,MD,MS,NV,NH,OH,OK,PA,TX,UT	10	5.00	1.00	87.50	$1,015		up to 7.50%
Phoenix Life Insurance Co.	Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA Low-Band	10	5.00	1.00	87.50	$1,015		up to 7.50%
Phoenix Life Insurance Co.	Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA High-Band	10	5.00	1.00	87.50	$1,015		up to 7.50%
Forethought Financial	Guaranteed Destinations WA Low-Band	10	5.00	1.00	87.50	$1,015		up to 7.00%
Forethought Financial	Guaranteed Destinations WA Mid-Band	10	5.00	1.00	87.50	$1,015		up to 7.00%
Forethought Financial	Guaranteed Destinations WA High-Band	10	5.00	1.00	87.50	$1,015		up to 7.00%
North American Company	North American Prizm Plus 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	Charter 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	Precision 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra (S) Low-Band [MVA]	10	3.00-4.00	1.00	87.50	$1,005		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra (S) High-Band [MVA]	10	3.00-4.00	1.00	87.50	$1,005		up to 6.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus S Low-Band	10	4.00	1.00	87.50	$1,005		up to 6.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus S High-Band	10	4.00	1.00	87.50	$1,005		up to 6.00%
Allianz Life Ins. Co. of North America	Allianz 360 Annuity [LOAN]	10		1.00-1.35	87.50	$1,001		up to 7.00%
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		1.00	90.00	$ 994		up to 8.00%
North American Company	Freedom Choice 10 Low-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice 10 High-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice (5%) 10 Low-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice (5%) 10 High-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten SE Low-Band [TSA, MVA]	10		1.00	87.50	$ 967		up to 8.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten SE High-Band [TSA, MVA]	10		1.00	87.50	$ 967		up to 8.00%
Forethought Financial	Income 125 Low-Band	10		1.00	87.50	$ 967		up to 7.00%
Forethought Financial	Income 125 Mid-Band	10		1.00	87.50	$ 967		up to 7.00%
Forethought Financial	Income 125 High-Band	10		1.00	87.50	$ 967		up to 7.00%
Phoenix Life Insurance Co.	Phoenix Reflections Gold (State Specific)	10		1.00	87.50	$ 967		up to 7.50%
Phoenix Life Insurance Co.	Phoenix Reflections Gold (AK, MN, MO, NC, NJ, VA, WA)	10		1.00	87.50	$ 967		up to 7.50%
North American Company	Charter 10 (TX) [TSA, MVA, LOAN]	10		1.00	87.50	$ 967
North American Company	Precision 10 (TX) [TSA, MVA, LOAN]	10		1.00	87.50	$ 967
Fidelity & Guaranty Life	FG AccumulatorPlus 10	10		1.00	87.50	$ 967		up to 6.25%
Fidelity & Guaranty Life	Prosperity Elite 10	10		1.00	87.50	$ 967		up to 7.00%
Phoenix Life Insurance Co.	Phoenix Personal Income Annuity [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Phoenix Life Insurance Co.	Personal Income Annuity (Low Surrender) [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Phoenix Life Insurance Co.	Personal Income Annuity (Low Surrender - Alternate) Low-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Phoenix Life Insurance Co.	Personal Income Annuity (Low Surrender - Alternate) High-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Phoenix Life Insurance Co.	Phoenix Reflections Gold Low-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Phoenix Life Insurance Co.	Phoenix Reflections Gold High-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (Income Series)	Income Preferred Ten Low-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (Income Series)	Income Preferred Ten High-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Ten Low-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Ten High-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Forethought Financial	Index Bonus 115sm Low-Band [MVA]	10		1.00	87.50	$ 967		up to 8.00%
Forethought Financial	Index Bonus 115sm Mid-Band [MVA]	10		1.00	87.50	$ 967		up to 8.00%
Forethought Financial	Index Bonus 115sm High-Band [MVA]	10		1.00	87.50	$ 967		up to 8.00%
Amer. Equity Investment Life Ins. Co.	Benefit Gold (ICC10 IDX 110*)	10	5.00	1.50	87.50			up to 5.25%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (INDEX-4-10-FL)	10	8.00	1.50	87.50			up to 6.00%
Genworth Life and Annuity Ins. Co	SecureLiving Index 10 Plus Low-Band [MVA]	10	5.00	1.00	100.00			up to 7.00%
Genworth Life and Annuity Ins. Co	SecureLiving Index 10 Plus Mid-Band [MVA]	10	5.00	1.00	100.00			up to 7.00%
Genworth Life and Annuity Ins. Co	SecureLiving Index 10 Plus High-Band [MVA]	10	5.00	1.00	100.00			up to 7.00%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (RG-FIA-09)	10	6.00	1.50	87.50			up to 5.25%
North American Company	Pillar [LOAN]	10	5.00					up to 6.50%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (02-09)	10	5.00-8.00	1.50	87.50			up to 6.00%
Amer. Equity Investment Life Ins. Co.	Millenium Platinum (WA)	10		1.50	87.50			up to 6.00%
Amer. Equity Investment Life Ins. Co.	Advantage Gold	10	5.00	1.50	84.00			up to 6.00%
Amer. Equity Investment Life Ins. Co.	10/10 Gold (Index 6-05)	10		1.50	87.50			up to 6.00%
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 12 (CA) [MVA]	12	5.00	2.00	90.00	$1,198		up to 8.00%
Great Amer. Life Ins. Co.	American Valor II [LOAN]	12	3.00-5.00	1.00	100.00	$1,183		up to 6.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 12 [MVA]	12	5.00	1.50	90.00	$1,130		up to 8.00%
Phoenix Life Insurance Co.	Phoenix Reflections Gold Bonus [MVA]	12	5.00-10.00	1.00	87.50	$1,085		up to 7.50%
North American Company	NA Performance Choice 12 Plus [MVA]	12	8.00	1.00	87.50	$1,065		up to 6.50%
Phoenix Life Insurance Co.	Phoenix Reflections Gold Bonus 6% [MVA]	12	6.00	1.00	87.50	$1,045		up to 7.50%
Phoenix Life Insurance Co.	Phoenix Reflections Gold Bonus 5% Low-Band [MVA]	12	5.00	1.00	87.50	$1,035		up to 7.50%
F&G Life (Legacy)	AmeriMark Freedom SE	12	4.00	1.00	87.50	$1,025		up to 7.00%
F&G Life (Legacy)	AmeriMark Freedom	12		1.00	87.50	$ 986		up to 8.00%
Phoenix Life Insurance Co.	Phoenix Reflections Gold Bonus 5% High-Band [MVA]	12		1.00	87.50	$ 986		up to 7.50%
North American Company	NA Performance Choice 12 [MVA]	12		1.00	87.50	$ 986		up to 6.50%
Amer. Equity Investment Life Ins. Co.	Bonus 5 (INDEX-3-07-WA)	12	3.00-5.00	1.50	87.50			up to 6.00%
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.	Market Power Bonus Index [MVA]	14	10.00	2.00	87.50	$1,270		up to 8.50%
EquiTrust Life Ins. Co.	MarketTwelve Bonus [MVA]	14	6.00	2.00	87.50	$1,224		up to 9.00%
North American Company	North American Prizm Plus 14 [TSA, MVA, LOAN]	14	10.00	1.00	87.50	$1,106		up to 7.50%
North American Company	Precision 14 [TSA, MVA, LOAN]