Fixed Indexed Brief

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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
OM Financial Life Ins. Co.	OM Index-Spectrum 9	9	3.00	1.00-1.10	103.00	$1,171		up to 9.00%
Surrender Charges Last 10 Years
8% Simple-interest rollup on income rider. Cost 60 bps.
Allianz Life	MasterDex X Annuity [LOAN]	10	10.00	1.50	90.00	$1,149		up to 7.00%
Surrender Charges Last 13 Years
12% Commission to age 75. 10% liquidity, cumulative to 50%.
National Western Life	NWL Ultra Classic [LOAN]	13		1.50	87.50	$1,062		up to 12.00%
Surrender Charges Last 16 Years
8% Rollup on income rider. 45 bps. Or 5% roll up free.
Amer. Equity Investment Life Ins. Co.	Bonus Gold (Index 1-07)	16	10.00	3.00	84.00			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 3 Years
Forethought Financial	Forethought Destination Indexed 3 Low-Band [MVA]	3		3.00	90.00	$ 983		up to 1.00%
Forethought Financial	Forethought Destination Indexed 3 Mid-Band [MVA]	3		3.00	90.00	$ 983		up to 1.00%
Forethought Financial	Forethought Destination Indexed 3 High-Band [MVA]	3		3.00	90.00	$ 983		up to 1.00%
Surrender Charges Last 5 Years
ING USA Annuity and Life	ING Secure Index Five Low-Band	5		1.50	100.00	$1,077		up to 4.00%
ING USA Annuity and Life	ING Secure Index Five High-Band	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) Low-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) High-Band	5		1.50	100.00	$1,077		up to 3.45%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
The Standard	Index Growth Annuity 5 Low-Band	5		1.00	100.00	$1,051		up to 4.50%
The Standard	Index Growth Annuity 5 High-Band	5		1.00	100.00	$1,051		up to 4.50%
The Standard	Index Growth Annuity 5 w PG Low-Band	5		1.00	100.00	$1,051		up to 4.50%
The Standard	Index Growth Annuity 5 w PG High-Band	5		1.00	100.00	$1,051		up to 4.50%
Aviva Life and Annuity	Income Select 5 Low-Band [MVA]	5		2.75	87.50	$1,002		up to 3.00%
Aviva Life and Annuity	Income Select 5 High-Band [MVA]	5		2.75	87.50	$1,002		up to 3.00%
Life of the Southwest	SecurePlus Saver [TSA, LOAN]	5		1.95	90.00	$ 991		up to 4.00%
Reliance Standard Life	Keystone 5 Index Annuity	5		1.15	87.50	$ 926		up to 4.00%
Allianz Life	Endurance Elite	5		1.00	87.50	$ 920		up to 5.00%
Allianz Life	Allianz Pro V1 [LOAN]	5						up to 3.25%
North American Company	North American Formula Choice [TSA, MVA, LOAN]	5						up to 5.00%
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		1.75	100.00	$1,110		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		1.75	100.00	$1,110		up to 3.50%
Forethought Financial	Forethought Destination Indexed 6 Low-Band [MVA]	6		3.00	90.00	$1,075		up to 3.50%
Forethought Financial	Forethought Destination Indexed 6 Mid-Band [MVA]	6		3.00	90.00	$1,075		up to 3.50%
Forethought Financial	Forethought Destination Indexed 6 High-Band [MVA]	6		3.00	90.00	$1,075		up to 3.50%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six Plus Low-Band [MVA]	6	3.00	1.75	87.50	$1,000		up to 5.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six Plus High-Band [MVA]	6	3.00	1.75	87.50	$1,000		up to 5.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six Low-Band [MVA]	6		1.75	87.50	$ 971		up to 6.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six High-Band [MVA]	6		1.75	87.50	$ 971		up to 6.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six SE 3 Low-Band [TSA, MVA]	6	3.00	1.00	87.50	$ 957		up to 5.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six SE 3 High-Band [TSA, MVA]	6	3.00	1.00	87.50	$ 957		up to 5.00%
OM Financial Life Ins. Co.	OM Index-Escalator 6	6	1.00	1.00	87.50	$ 938		up to 4.00%
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six SE Low-Band [TSA, MVA]	6		1.00	87.50	$ 929		up to 6.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500 Six SE High-Band [TSA, MVA]	6		1.00	87.50	$ 929		up to 6.00%
Aviva Life and Annuity	Income Preferred Six Low-Band	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life and Annuity	Income Preferred Six High-Band	6		1.00	87.50	$ 929		up to 5.00%
Great Amer. Life Ins. Co.	Safe Outlook Low-Band [LOAN]	6						up to 4.00%
Great Amer. Life Ins. Co.	Safe Outlook High-Band [LOAN]	6						up to 4.00%
Amer. Equity Investment Life Ins. Co.	Integrity Gold (Index 5-07)	6		3.00	87.50			up to 4.13%
American National Ins. Co.	ANICO FEIA	6					07/01/10	up to 5.00%
Surrender Charges Last 7 Years
OM Financial Life Ins. Co.	OM Index-Safety 7 Low-Band	7		3.00	100.00	$1,230		up to 5.50%
OM Financial Life Ins. Co.	OM Index-Safety 7 High-Band	7		3.00	100.00	$1,230		up to 5.50%
Great Amer. Life Ins. Co.	American Legend II [LOAN]	7		1.00-2.00	100.00	$1,149		up to 5.50%
OM Financial Life Ins. Co.	OM Index-Accelerator 7	7	3.00	1.00-1.10	100.00	$1,112		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Lincoln Benefit Life	Savers Index I Low-Band	7		3.00	90.00	$1,107		up to 3.45%
Lincoln Benefit Life	Savers Index I High-Band	7		3.00	90.00	$1,107		up to 3.45%
Lincoln Benefit Life	Savers Index I (ROP) Low-Band	7		3.00	90.00	$1,107		up to 3.45%
Lincoln Benefit Life	Savers Index I (ROP) High-Band	7		3.00	90.00	$1,107		up to 3.45%
Dearborn National	Index Fortifier VII	7		1.05	100.00	$1,076		up to 5.50%
ING USA Annuity and Life	ING Secure Index Seven Low-Band	7		1.00	100.00	$1,072		up to 5.00%
ING USA Annuity and Life	ING Secure Index Seven High-Band	7		1.00	100.00	$1,072		up to 5.00%
The Standard	Index Growth Annuity 7 Low-Band	7		1.00	100.00	$1,072		up to 5.50%
The Standard	Index Growth Annuity 7 High-Band	7		1.00	100.00	$1,072		up to 5.50%
The Standard	Index Growth Annuity 7 w PG Low-Band	7		1.00	100.00	$1,072		up to 5.50%
The Standard	Index Growth Annuity 7 w PG High-Band	7		1.00	100.00	$1,072		up to 5.50%
Aviva Life and Annuity	Income Select 7 Low-Band [MVA]	7		2.75	87.50	$1,058		up to 4.00%
Aviva Life and Annuity	Income Select 7 High-Band [MVA]	7		2.75	87.50	$1,058		up to 4.00%
Amer. General Life Ins. Co.	VisionAdvantage 7 [MVA]	7		2.00	90.00	$1,034		up to 6.00%
Annuity Investors Life (Great Amer. Life)	FlexMax [TSA, LOAN]	7		2.00	90.00	$1,034		up to 5.20%
Life of the Southwest	SecurePlus Silver [TSA, LOAN]	7		1.95	90.00	$1,030		up to 5.00%
American National Ins. Co.	Value Lock 7 [MVA]	7		1.75	90.00	$1,016	07/01/10	up to 6.00%
Allianz Life	Endurance 10 [LOAN]	7		1.50	90.00	$ 999		up to 5.00%
OM Financial (Legacy)	AmeriMark Freedom 7 SE	7	5.00	1.00	87.50	$ 985		up to 4.00%
Allianz Life	MasterDex Plus Annuity [MVA, LOAN]	7		1.50	87.50	$ 971		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 7	7		1.00	90.00	$ 965
Reliance Standard Life	Keystone 7 Index Annuity	7		1.15	87.50	$ 948		up to 5.00%
North American Company	North American Prizm Plus 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 7.50%
North American Company	Precision 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 7.50%
North American Company	Charter 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 7.50%
OM Financial (Legacy)	AmeriMark Freedom 7	7		1.00	87.50	$ 938		up to 4.00%
EquiTrust Life Ins. Co.	Market Seven Index [MVA]	7		1.00	87.50	$ 938		up to 7.50%
Surrender Charges Last 8 Years
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		2.00	100.00	$1,172		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		2.00	100.00	$1,172		up to 4.50%
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	3.00	1.60	100.00	$1,169		up to 6.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	2.00	1.60	100.00	$1,158		up to 6.00%
Amer. General Life Ins. Co.	AG Global 8 Index Annuity	8		2.00	90.00	$1,054		up to 6.00%
Life of the Southwest	SecurePlus Saver Select [TSA, LOAN]	8		1.95	90.00	$1,050		up to 6.00%
RBC Insurance	RBC Enhanced Choice 8 SPDA [MVA]	8	2.00	1.00	87.50	$ 966		up to 6.00%
OM Financial Life Ins. Co.	OM Index-Escalator 8	8	1.00	1.00	87.50	$ 957		up to 5.50%
North American Company	Freedom Choice (5%) 8 Low-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
North American Company	Freedom Choice (5%) 8 High-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
North American Company	Freedom Choice 8 Low-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
North American Company	Freedom Choice 8 High-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
Surrender Charges Last 9 Years
Forethought Financial	Forethought Destination Indexed 9 Low-Band [MVA]	9		3.00	90.00	$1,174		up to 5.50%
Forethought Financial	Forethought Destination Indexed 9 Mid-Band [MVA]	9		3.00	90.00	$1,174		up to 5.50%
Forethought Financial	Forethought Destination Indexed 9 High-Band [MVA]	9		3.00	90.00	$1,174		up to 5.50%
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.75	100.00	$1,169		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.75	100.00	$1,169		up to 7.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 [MVA]	9	4.00	2.00	90.00	$1,119		up to 6.00%
Life of the Southwest	SecurePlus Premier 3 [TSA, LOAN]	9	3.00	1.95	90.00	$1,103		up to 6.00%
Dearborn National	Index Fortifier IX	9		1.05	100.00	$1,099		up to 6.50%
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity Low-Band [MVA]	9		1.00	100.00	$1,094		up to 1.50%
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity High-Band [MVA]	9		1.00	100.00	$1,094		up to 1.50%
ING USA Annuity and Life	ING Envoy Nine Fixed Index Annuity Low-Band [MVA]	9		1.00	100.00	$1,094		up to 6.50%
ING USA Annuity and Life	ING Envoy Nine Fixed Index Annuity High-Band [MVA]	9		1.00	100.00	$1,094		up to 6.50%
Amer. General Life Ins. Co.	VisionAdvantage 9 [MVA]	9		2.00	90.00	$1,076		up to 6.00%
EquiTrust Life Ins. Co.	Market Booster Index [MVA]	9	7.00	1.00	87.50	$1,024		up to 7.00%
National Western Life	NWL Ultra Value [LOAN]	9	2.00	1.50	87.50	$1,020		up to 6.00%
National Western Life	NWL Global Lookback [LOAN]	9		1.50	87.50	$1,000		up to 7.00%
Investors Ins. (Legacy)	PremierMark SE	9		1.00	87.50			up to 7.00%
Investors Ins. (Legacy)	PremierMark SE Plus (7%)	9	7.00	1.00	87.50			up to 4.00%
Investors Ins. (Legacy)	PremierMark SE Plus (10%)	9	10.00	1.00	87.50			up to 2.50%
National Western Life	NWL Ultra Future (2% Bonus states)	9	2.00	3.00
National Western Life	Liberty Classic [LOAN]	9						up to 8.00%
Surrender Charges Last 10 Years
Forethought Financial	Guaranteed Destinations WA Low-Band	10	8.00	87.50	2.00	$11,600		up to 5.00%
Forethought Financial	Guaranteed Destinations WA Mid-Band	10	8.00	87.50	2.00	$11,600		up to 5.00%
Forethought Financial	Guaranteed Destinations WA High-Band	10	8.00	87.50	2.00	$11,600		up to 5.00%
North American Company	North American Ten [MVA, LOAN]	10	10.00	3.00	100.00	$1,478		up to 6.50%
OM Financial Life Ins. Co.	OM Index-Safety 10 Low-Band	10		3.00	100.00	$1,344		up to 7.00%
OM Financial Life Ins. Co.	OM Index-Safety 10 High-Band	10		3.00	100.00	$1,344		up to 7.00%
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity [MVA]	10	5.00	2.00	100.00	$1,280		up to 7.00%
Lincoln Financial Group	Lincoln OptiPoint 10 High-Band [MVA]	10	4.00	1.80	100.00	$1,243		up to 7.00%
Great Amer. Life Ins. Co.	American Icon II	10	0.00-1.50	1.00-2.00	100.00	$1,237		up to 7.50%
Lincoln Financial Group	Lincoln OptiPoint 10 Low-Band [MVA]	10	3.00	1.80	100.00	$1,231		up to 7.00%
Great Amer. Life Ins. Co.	Safe Return [TSA, LOAN]	10		1.00-2.00	100.00	$1,219		up to 6.50%
Lincoln Benefit Life	Savers Index III (ROP) Low-Band	10		3.00	90.00	$1,210		up to 3.45%
Lincoln Benefit Life	Savers Index III (ROP) High-Band	10		3.00	90.00	$1,210		up to 3.45%
Lincoln Benefit Life	Savers Index III Low-Band	10		3.00	90.00	$1,210		up to 3.45%
Lincoln Benefit Life	Savers Index III High-Band	10		3.00	90.00	$1,210		up to 3.45%
Aviva Life and Annuity	Income Select Plus Low-Band [MVA]	10	5.00	2.75	87.50	$1,205		up to 7.50%
Aviva Life and Annuity	Income Select Plus High-Band [MVA]	10	5.00	2.75	87.50	$1,205		up to 7.50%
Aviva Life and Annuity	Income Select Plus S Low-Band [MVA]	10	5.00	2.75	87.50	$1,205		up to 6.00%
Aviva Life and Annuity	Income Select Plus S High-Band [MVA]	10	5.00	2.75	87.50	$1,205		up to 6.00%
Lincoln Benefit Life	Saver's Index Annuity Premier Low-Band	10	3.00	1.50	100.00	$1,195		up to 3.45%
Lincoln Benefit Life	Saver's Index Annuity Premier High-Band	10	3.00	1.50	100.00	$1,195		up to 3.45%
Aviva Life and Annuity	Income Select Bonus Low-Band [MVA]	10	8.00	1.00	100.00	$1,193		up to 7.00%
Aviva Life and Annuity	Income Select Bonus High-Band [MVA]	10	8.00	1.00	100.00	$1,193		up to 7.00%
Dearborn National	Index Fortifier X	10	5.00	1.05	100.00	$1,166		up to 8.50%
Amer. General Life Ins. Co.	Vision Maximizer [MVA]	10	5.00	2.00	90.00	$1,152		up to 8.00%
Life of the Southwest	SecurePlus Accumulator 3 [TSA, LOAN]	10	3.00	2.45	87.50	$1,148		up to 5.00%
Aviva Life and Annuity	Income Select 10 Low-Band [MVA]	10		2.75	87.50	$1,148		up to 7.50%
Aviva Life and Annuity	Income Select 10 High-Band [MVA]	10		2.75	87.50	$1,148		up to 7.50%
Aviva Life and Annuity	Income Select Platinum Low-Band [MVA]	10		2.75	87.50	$1,148		up to 5.00%
Aviva Life and Annuity	Income Select Platinum High-Band [MVA]	10		2.75	87.50	$1,148		up to 5.00%
Allianz Life	MasterDex 5 Plus Annuity [MVA, LOAN]	10	3.00-5.00	2.00	87.50	$1,120		up to 8.00%
ING USA Annuity and Life	ING Secure Index Opportunities Plus Low-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
ING USA Annuity and Life	ING Secure Index Opportunities Plus High-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
Annuity Investors Life (Great Amer. Life)	FlexMax Plus [TSA, LOAN]	10	2.00	2.00	90.00	$1,119		up to 5.90%
Allianz Life	MasterDex 10 Plus Annuity [MVA, LOAN]	10	10.00	1.50	87.50	$1,117		up to 8.00%
Allianz Life	MasterDex 10 [LOAN]	10	10.00	1.50	87.50	$1,117		up to 9.00%
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	100.00	$1,105
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten Plus Low-Band [MVA]	10	6.00	1.75	87.50	$1,103		up to 7.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten Plus High-Band [MVA]	10	6.00	1.75	87.50	$1,103		up to 7.00%
American National Ins. Co.	Value Lock 10 [MVA]	10	3.00	1.75	90.00	$1,103	07/01/10	up to 10.00%
ING USA Annuity and Life	ING Secure Index Outlook Annuity Low-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
ING USA Annuity and Life	ING Secure Index Outlook Annuity High-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
Life of the Southwest	SecurePlus TLC [LOAN]	10		1.95	90.00	$1,092		up to 8.00%
Life of the Southwest	SecurePlus Gold (After 4/21/2006) [TSA, LOAN]	10		1.95	90.00	$1,092		up to 7.00%
North American Company	North American Paramount Choice Ten [MVA, LOAN]	10	10.00	1.10	87.50	$1,074		up to 6.50%
Forethought Financial	Income 125 Low-Band	10		2.00	87.50	$1,067		up to 7.50%
Forethought Financial	Income 125 Mid-Band	10		2.00	87.50	$1,067		up to 7.50%
Forethought Financial	Income 125 High-Band	10		2.00	87.50	$1,067		up to 7.50%
Life of the Southwest	SecurePlus Premier 10 [LOAN]	10		1.95	87.50	$1,061
OM Financial (Legacy)	AdvanceMark	10	8.00	1.10-1.15	87.50	$1,059		up to 8.00%
OM Financial Life Ins. Co.	OM Index-Accelerator 10	10	8.00	1.00-1.10	87.50	$1,054		up to 8.00%
Allianz Life	Endurance Plus [LOAN]	10		1.50	90.00	$1,044		up to 8.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten SE 8 Low-Band [MVA]	10	8.00	1.00	87.50	$1,044		up to 7.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten SE 8 High-Band [MVA]	10	8.00	1.00	87.50	$1,044		up to 7.00%
Aviva Life and Annuity	Income Preferred Bonus Low-Band	10	8.00	1.00	87.50	$1,044		up to 7.00%
Aviva Life and Annuity	Income Preferred Bonus High-Band	10	8.00	1.00	87.50	$1,044		up to 7.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten Low-Band [MVA]	10		1.75	87.50	$1,041		up to 8.00%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten High-Band [MVA]	10		1.75	87.50	$1,041		up to 8.00%
North American Company	Charter 10 [TSA, MVA, LOAN]	10	5.00	1.10	87.50	$1,025		up to 7.50%
North American Company	North American Prizm Plus 10 [TSA, MVA, LOAN]	10	5.00	1.10	87.50	$1,025		up to 7.50%
North American Company	Precision 10 [TSA, MVA, LOAN]	10	5.00	1.10	87.50	$1,025		up to 7.50%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten SE 5 Low-Band [TSA, MVA]	10	5.00	1.00	87.50	$1,015		up to 7.50%
Amer. Natl. Ins. (Legacy)	BenchMark 500SM Ten SE 5 High-Band [TSA, MVA]	10	5.00	1.00	87.50	$1,015		up to 7.50%
RBC Insurance	RBC Enhanced Choice 10 SPDA [MVA]	10	5.00	1.00	87.50	$1,015		up to 7.00%
Reliance Standard Life	Keystone 10 Index Annuity	10		1.15	87.50	$ 981		up to 8.50%
OM Financial Life Ins. Co.	OM Index-Escalator 10	10	1.00	1.00	87.50	$ 976		up to 6.50%
North American Company	Freedom Choice 10 Low-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
North American Company	Freedom Choice 10 High-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
North American Company	Freedom Choice (5%) 10 Low-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
North American Company	Freedom Choice (5%) 10 High-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
RBC Insurance	RBC Choice 10 SPDA [MVA]	10		1.00	87.50	$ 967		up to 10.00%
EquiTrust Life Ins. Co.	Market Value Index [MVA]	10		1.00	87.50	$ 967		up to 7.50%
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	Index Bonus 115sm Low-Band [MVA]	10		1.00	87.50	$ 967
Forethought Financial	Index Bonus 115sm Mid-Band [MVA]	10		1.00	87.50	$ 967
Forethought Financial	Index Bonus 115sm High-Band [MVA]	10		1.00	87.50	$ 967
Aviva Life and Annuity	Income Preferred Ten Low-Band	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life and Annuity	Income Preferred Ten High-Band	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life and Annuity	Income Preferred Ultra Low-Band	10		1.00	87.50	$ 967	07/02/10	up to 7.50%
Aviva Life and Annuity	Income Preferred Ultra High-Band	10		1.00	87.50	$ 967	07/02/10	up to 7.50%
Amer. Equity Investment Life Ins. Co.	Benefit Gold (ICC10 IDX 110*)	10	5.00	2.25	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 (RG-FIA-09)	10	6.00	2.25	87.50			up to 5.25%
Amer. Equity Investment Life Ins. Co.	Millenium Platinum (Index-6-05)	10		3.00	87.50
Forethought Financial	Guaranteed Destinations Low-Band	10	5.00					up to 5.00%
Forethought Financial	Guaranteed Destinations Mid-Band	10	5.00					up to 5.00%
Forethought Financial	Guaranteed Destinations High-Band	10	5.00					up to 5.00%
Amer. Equity Investment Life Ins. Co.	10/10 Gold (Index 6-05)	10	1.20	3.00	87.50			up to 6.00%
Amer. Equity Investment Life Ins. Co.	Advantage Gold	10	5.00	3.00	84.00
Surrender Charges Last 12 Years
Lincoln Financial Group	Lincoln OptiPoint 12 High-Band [MVA]	12	5.00	2.00	100.00	$1,332		up to 8.00%
Great Amer. Life Ins. Co.	American Valor II [LOAN]	12	3.00-5.00	1.00-2.00	100.00	$1,332		up to 6.50%
Lincoln Financial Group	Lincoln OptiPoint 12 Low-Band [MVA]	12	4.00	2.00	100.00	$1,319		up to 8.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 12 [MVA]	12	5.00	2.00	90.00	$1,198		up to 8.00%
Life of the Southwest	SecurePlus Premier 8 [TSA, LOAN]	12	3.00	1.95	90.00	$1,169		up to 8.00%
Life of the Southwest	SecurePlus Elite	12		1.95	90.00	$1,135
RBC Insurance	RBC Enhanced Choice 12 SPDA [MVA]	12	5.00	1.00	87.50	$1,035		up to 8.00%
OM Financial (Legacy)	AmeriMark Freedom	12		1.00	87.50	$ 986		up to 9.00%
National Western Life	Liberty Challenge [LOAN]	12	2.00					up to 9.00%
Amer. Equity Investment Life Ins. Co.	Income Gold (Index 3-07)	12	5.00	3.00	87.50			up to 5.63%
Amer. Equity Investment Life Ins. Co.	Bonus 5 (INDEX-3-07-WA)	12	3.00-5.00					up to 6.00%
Surrender Charges Last 14 Years
National Western Life	NWL Ultra Benefit [LOAN]	14	5.00	1.50	87.50	$1,132		up to 8.00%
North American Company	Precision 14 [TSA, MVA, LOAN]	14	10.00	1.10	87.50	$1,122		up to 7.50%
North American Company	Charter 14 [TSA, MVA, LOAN]	14	10.00	1.10	87.50	$1,122		up to 7.50%
North American Company	North American Prizm Plus 14 [TSA, MVA, LOAN]	14	10.00	1.10	87.50	$1,122		up to 7.50%
EquiTrust Life Ins. Co.	Market Power Bonus Index [MVA]	14	10.00	1.00	87.50	$1,106		up to 8.50%
EquiTrust Life Ins. Co.	MarketTwelve Bonus [MVA]	14	6.00	1.00	87.50	$1,066		up to 9.00%
North American Company	Freedom Choice (5%) 14 Low-Band [TSA, MVA, LOAN]	14		1.10	87.50	$1,020		up to 5.50%
North American Company	Freedom Choice (5%) 14 High-Band [TSA, MVA, LOAN]	14		1.10	87.50	$1,020		up to 5.50%
North American Company	Freedom Choice 14 Low-Band [TSA, MVA, LOAN]	14		1.10	87.50	$1,020		up to 5.50%
North American Company	Freedom Choice 14 High-Band [TSA, MVA, LOAN]	14		1.10	87.50	$1,020		up to 5.50%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (02-09)	14	5.00-10.00	2.25	87.50			up to 6.00%
Surrender Charges Last 15 Years
Life of the Southwest	SecurePlus Accumulator 5	15	5.00	2.45	87.50	$1,321		up to 7.00%
Life of the Southwest	SecurePlus Platinum [TSA, LOAN]	15		2.45	87.50	$1,258		up to 10.00%
National Western Life	NWL Ultra Future [LOAN]	15	4.75-10.00	1.50	87.50	$1,203		up to 7.00%
National Western Life	Liberty Champion [LOAN]	15	5.00					up to 9.25%
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.	Bonus Gold (Index-1-05 & Index-7-05-OK)	17	10.00	3.00	84.00			up to 8.20%

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